Second stimulus check: Who would qualify for more IRS money? Here’s what we know today

cash funds running out of money change dollars wallet empty

Just since you got a stimulus always check the first time does not mean you’ll qualify for a second payment, if there is one.


Sarah Tew/CNET

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Another coronavirus relief package that Congress is expected to overlook the end of the month could include a second stimulus check. We have an idea when people might receive an additional IRS payment, but we do not know for sure who’ll be eligible. Even if you got the full $1,200 benefit the first time around, it is not guaranteed you’ll qualify for a second always check or direct deposit.

White House economic advisor Larry Kudlow has reportedly said the 2nd stimulus payment will concentrate on people who are jobless or have lower incomes, Fox Business reported. It’s unclear how that would be calculated.

Senate Majority Leader and Kentucky Republican Mitch McConnell said on July 6, “I think the people who have been hit the hardest are people who make about $40,000 a year or less. Many of them work in the hospitality industry,” when asked of a second stimulus check. “So that could well be a part of it.”

Nancy Pelosi, the House speaker and a California Democrat, questioned that figure. “I don’t know where the $40,000 came from,” she said throughout a July 9 press conference. “I think families making over $40,000 probably need assistance, depending on their situation.”

In San Francisco, for example, the US office of Housing and Urban Development defined “very low income limits” at $60,900 for just one earner and $87,000 for a household of four, based on 50% of the metro area’s median income in 2020. That would be well above any $40,000 cutoff.

Here’s every thing we’ve heard so far about who might or might not be eligible for an extra economic stimulus payment. This story updates frequently in light of new developments.

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Not everybody will qualify for a payment underneath the current proposal.


Sarah Tew/CNET

Who gets another stimulus payment? The big picture

We wont know until another rescue bill is manufactured official, but we can piece together some possibilities. For example, the Heroes Act (PDF) passed by the House of Representatives in May proposes broad financial advantages to individuals, families and categories that were skipped by the very first stimulus always check (scroll down for the list of exclusions), including most college students and folks who are not US citizens.

But the Heroes Act has been strenuously opposed by the Senate and President Donald Trump, who called it DOA. On the other end of the spectrum, McConnell has said that if the Senate, which his Republican party controls, passes yet another relief bill that includes more stimulus checks, the focus will be narrow.

In making these decisions, the Senate and House will aspect in economic data that is at best contradictory. The US economy added 4.8 million jobs in June (PDF), the Labor Department reported the other day, as a result of every state reopening in some way. However, on July 9, the Labor Department reported (PDF) that for the 16th straight week, the number of US workers newly applying for unemployment insurance was above 1 million, with 1.3 million workers filing new state unemployment claims for the week ending July 4 — an indicator that the usa labor market is still shedding jobs. 

And with coronavirus rates now spiking over the US, governors are shutting businesses they had permitted to open just weeks before, threatening to create back new job gains.

Who may potentially qualify for a broad 2nd stimulus payment?

  • Individuals who made significantly less than $99,000 according to the adjusted gross income from their 2018 or 2019 taxes (whichever was lately filed).
  • College students, dependents over 17, disabled relatives and a taxpayer’s parent.
  • Families as high as five people.
  • SSDI recipients
  • People who are not US citizens and file taxation statements, pay taxes and otherwise comply with federal tax law using an individual taxpayer identification number (ITIN) instead of a Social Security number.

Who may possibly not qualify for another payment?

Based on speculation, there are several different ways exclusion from a potential second stimulus check could play out.

Nobody qualifies: A stimulus package could be signed into law that gives tax credits along with other incentives to businesses. It’s possible some individuals could get a travel or dining credit, but not a check.

People who make “too much” money: If another round of stimulus payments does pass, but allocations are smaller for IRS payments, it’s possible there may be a lower maximum yearly income (AGI on the tax form) to qualify. In other words, people who make more when compared to a certain amount (that’s lower than the existing cutoff of $99,000 for individuals) could potentially be left out of a second round. McConnell hinted the cap could be as little as $40,000; Pelosi asks if a $40,000 cap is too low.

Carryover exclusions from the existing CARES Act: Young people between 18 and 24, people who are not US citizens but pay taxes, people who are incarcerated.

President Donald Trump

President Trump has expressed fascination with a second round of checks in 2020.


James Martin/CNET

Who isn’t eligible for the very first stimulus check

Let’s review who’s been excluded in the first round.

  • A single taxpayer by having an adjusted revenues above $99,000
  • A head of a household by having an AGI over $136,500
  • A married couple by having an AGI over $198,000
  • Children over 16 and college students under age 24
  • A nonresident alien as defined by the US government

When will we know more about stimulus always check qualifications?

We wont know such a thing for sure until a stimulus bill comes into clearer focus. You can read more in regards to the suspected timeline here, in general, here is what we know.

McConnell has said again and again — lately on July 6 — when the Senate starts focus on a second package, it will soon be later this month. To fit into McConnell’s timeline, legislators will have to work around a few extended breaks when the Senate is not in session: a scheduled two-week recess running now until July 17 and its August recess, running from Aug. 10 to Sept. 7.

For more, here is what we know in regards to the major proposals for another stimulus package. We also provide information on unemployment insurance, what you can do if you have lost your job and what to know about evictions.

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