What to know about the Second Stimulus Checks – Get It Back (2024)

Congress approved legislation for continued COVID relief that includes a second round of stimulus checks.

The payment is worth up to $600 for each adult and each qualifying child dependent in the household. For example, a family of four would receive up to $2,400.

Click on any of the following links to jump to a section:

• Eligibility
• Getting your Second Stimulus Check
• Troubleshooting

Eligibility is primarily based on four requirements:

1. Income: The income requirements to receive the full payment are the same as the first stimulus check. There is no minimum income needed to qualify for the payment. Households with adjusted gross income (AGI) up to $75,000 for individuals (up to $150,000 if married filing jointly and up to $112,500 if head of household) will receive the full payment. This stimulus payment starts to phaseout for people with higher earnings. The second stimulus check maximum income limit is lower than the first stimulus check. Single filers who earned more than $87,000 ($174,000 if married filing jointly and $124,500 if head of household) in 2019 are ineligible for the second stimulus check.

View the chart below to compare income requirements for the first and second stimulus checks.

2. Social Security Number: This requirement differs from the original eligibility for the first stimulus check. Originally under the first stimulus check, if you were married filing jointly, both spouses neededvalid Social Security numbers(SSNs). If one spouse had an Individual Taxpayer Identification Number (ITIN), then both spouses were ineligible for the stimulus check. For married military couples, the spouse with an SSN could still get the stimulus check for themselves but not the other spouse with an ITIN.

For the second stimulus check, couples that are married filing jointly can qualify for the second stimulus check, even if one spouse has an ITIN. The spouse with a Social Security number and any children with Social Security numbers or Adoption Taxpayer Identification Number (ATIN) can get the payment. If one spouse is an active member of the military, thenbothspouses are eligible for a stimulus check even if only one spouse has an SSN and the other spouse has an ITIN.

The expanded SSN rules for the second stimulus check are retroactive and now apply to the first stimulus check. If you were denied your first stimulus payment because both you and your spouse did not have SSNs,you can claim your first stimulus check as the Recovery Rebate Tax Credit on your 2020 tax return.See the chart and examples below for further explanation of how this works.

Examples

Former first stimulus check rules:

John and Mary are married and filed their taxes jointly. Mary has an SSN and John does not. John and Mary are ineligible for the first stimulus check and miss out on $2,400.

Second stimulus check rules:

John and Mary are married and filed their taxes jointly. Mary has an SSN and John does not. Mary is eligible for a second stimulus check of $600 even though John is ineligible. Since the SSN rule change is retroactive, Mary can also get the first stimulus check of $1,200 as the Recovery Rebate Credit when she and John file their 2020 tax return.

Former first and second stimulus check rules for military filers:

If Mary is an active member of the military, under the former first stimulus rules, Mary could claim the $1,200 payment for herself, even though John did not have an SSN. Under the second stimulus rules, because Mary is an active member of the military and has an SSN, John and Mary can each receive a second stimulus payment of $600, totaling $1,200 for the couple.

3. Dependency: The dependency requirement is the same as the first stimulus check. You cannot be claimed as someone else’s dependent on a tax return to get the second stimulus check. There is no age requirement for the stimulus check. Children must be under 17 to get the additional payment for them.

4. Citizenship or Residence: The citizenship or residency requirements are the same as the first stimulus check. You must be a U.S. citizen, permanent resident, or qualifying resident alien.

The IRS has stated that people who died in 2020 or in 2021 are eligible to receive both the first and second stimulus payment. If they didn’t receive the stimulus payments or didn’t receive the full amounts that they are eligible for, spouses or other family members can file a 2020 federal tax return and claim it as part of their tax refund.

If you are incarcerated, you are eligible to receivebothyour first and second stimulus check if you meet the other eligibility requirements.

Both the first and second stimulus check cannot be reduced to pay any federal or state debts. Unlike the first stimulus check, your second stimulus checkcannotbe reduced if you owe past-due child support payments and is protected from garnishment by creditors and debt collectors.

If you use direct deposit and owe your bank overdraft fees, the bank may deduct these from your payment.

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If you are claiming the payments as part of your 2020 tax refund (known as theRecovery Rebate Tax Credit), the payments are no longer protected from past-due child support payments, creditor and debt collectors, and other federal or state debt that you owe (see IRS FAQs Q E2andQ E3). In other words, if you receive your first and second stimulus checks as part of your tax refund instead of direct checks, it may be reduced.

Just like the first stimulus checks, the second stimulus checks do not count as income when determining your eligibility for means-tested programs like SNAP, TANF, or Medicaid. Stimulus checks are not counted as income for the EITC or unemployment benefits.

Just like the first stimulus checks, the second stimulus checks don’t count as income, so you don’t have to pay taxes on them. You will not be required to pay anything back.

No. For both the first and second stimulus checks, at least one adult must have an SSN for the household to claim the stimulus checks. That adult with the SSN and any qualifying children with SSNs will get the stimulus checks.

You don’t need to do anything if:

• You have filed a tax return for tax year 2019.
• You are a Social Security recipient, including Social Security Disability Insurance (SSDI), railroad retiree. Or, you are a Supplemental Security Insurance (SSI) and Veterans Affairs (VA) beneficiary.
• You have successfully registered for the first stimulus check online using the IRS Non-Filers tool or submitted a simplified tax return that has been processed by the IRS.

The IRS should’ve automatically sent your payment.All second stimulus checks were issued by January 15, 2021. If you didn’t get a second stimulus check by then (mailed checks may take longer to deliver),you can claim your second stimulus check as the Recovery Rebate Tax Credit on your 2020 tax return.

The government began sending direct deposit payments on December 28, 2020. Paper checks were sent out starting on December 30, 2020.

Payments were automatically sent to:

• Eligible individuals who filed a 2019 tax return.
• Social Security recipients, including Social Security Disability Insurance (SSDI), railroad retirees, and Supplemental Security (SSI) and Veteran Affairs (VA) beneficiaries.
• Individuals who successfully registered for the first stimulus check online using the IRS Non-Filers tool or who submitted a simplified tax return that has been processed by the IRS

There is no action that you have to take to get your second stimulus check. People who provided their banking information with the IRS should’ve received their stimulus checks by direct deposit. Social Security and Veterans Affairs (VA) beneficiaries who received the first payment via Direct Express should’ve received the second payment the same way.

The IRS sent paper checks or prepaid debit cards to people who did not provide their banking information. Mailed payments may be delivered in a different format than the first stimulus check.

All second stimulus checks were issued by January 15, 2021. If you didn’t get a second stimulus check by then (mailed checks may take longer to deliver), you can claim your second stimulus check as the Recovery Rebate Tax Credit on your 2020 tax return.

All second stimulus checks were issued by January 15, 2021. If you didn’t get a second stimulus check by then (mailed checks may take longer to deliver), you can claim your second stimulus check as the Recovery Rebate Tax Credit on your 2020 tax return.

Youcanrequest a traceof your stimulus check. You should only request a payment trace if you received IRS Notice 1444-B showing that your second stimulus check was issued or if your IRS account shows your payment amount and you haven’t received your second stimulus check.

Learn more about requesting a payment trace here.

You can get the first and second stimulus check as part of your tax refund after you file a 2020 federal tax return.

You can file a tax return even if you don’t have a filing requirement to get other tax credits like the Earned Income Tax Credit.

All second stimulus checks were issued by January 15, 2021. If you didn’t get a second stimulus check by then (mailed checks may take longer to deliver),you can claim your second stimulus check as the Recovery Rebate Tax Credit on your 2020 tax return.

If you’re required to file taxes:

You have up to 3 years to file a prior year tax return. Since the deadline to file your 2020 tax return was May 17, 2021, you can file a 2020 tax return by May 17, 2024. This year, you can file a 2020 tax return at GetYourRefund.org through October 1, 2023.

If you don’t owe taxes, there is no penalty for filing late. If you owe taxes, you may be subject to penalties and fines for not filing or not paying taxes. The government may reduce your tax refund to pay for any taxes you owe and other federal and state debts.

To learn more about your options if you think you owe taxes, read “Filing Past Due Tax Returns” and “What to Do if I Owe Taxes but Can’t Pay Them.”

If you did not file a 2019 tax return, then the IRS didn’t send your second stimulus check automatically. Instead, if you are eligible to get a payment,you can claim the stimulus check on your 2020 tax return as the Recovery Rebate Credit.

Unfortunately, if your second stimulus check is sent to an account that is closed or no longer active, the IRS will not reissue the payment to you by mail. Instead, if you are eligible to get a payment,you can claim the stimulus check on your 2020 tax return as the Recovery Rebate Credit.

All second stimulus checks were issued by January 15, 2021. If you didn’t get a second stimulus check by then (mailed checks may take longer to deliver), you can claim your second stimulus check as the Recovery Rebate Tax Credit on your 2020 tax return.

Most likely, the IRS wasn’t able to process your 2019 tax return or the information you submitted to the IRS Non-filer tool in time to issue your second stimulus check.

All second stimulus checks were issued by January 15, 2021. If you didn’t get a second stimulus check by then (mailed checks may take longer to deliver), you can claim your second stimulus check as the Recovery Rebate Tax Credit on your 2020 tax return.

If you didn’t receive your first stimulus check in 2020,you can still claim the payment as the Recovery Rebate Tax Credit on your 2020 tax return.

If you need help claiming your first and second payment as the Recovery Rebate tax credit on your 2020 tax return, you can:

• Visit GetYourRefund.org through October 1, 2023.
• Check out theFree Tax Filing page for free resources to file. Contact your localVolunteer Income Tax Assistance(VITA)orAARP Foundation’sTax-Aidesite to get free tax help from an IRS-certified volunteer.

All information on this site is provided for educational purposes only and does not constitute legal or tax advice. The Center on Budget & Policy Priorities is not liable for how you use this information. Please seek a tax professional for personal tax advice.