Stimulus check eligibility: What you need to know about your qualification status - CNET

If you weren't eligible for the first stimulus payment earlier this year, you still may qualify to get money in a second round, if both Republican and Democratic leaders can pass legislation for a new stimulus bill with a second direct payment that broadens the requirement parameters.

A second stimulus payment worth as much as $1,200, and an expansion of who would qualify as a dependent, is part of each partisan proposal. As we wait for negotiations to progress toward agreement on a bill, we can look at everything we currently know. For additional information, check out what you need to know about stimulus checks and try CNET's stimulus check calculator to get an idea of how much you could receive in a potential second round of direct payments. We update this story often as news develops.

Stimulus check: How to know if you could be eligible

We won't know for certain who will qualify for a new stimulus payment until Congress passes the legislation. We can, however, draw from the first stimulus check's eligibility requirements and the Heroes Act and HEALS Act proposals (neither of which is law) to get an idea of who may or may not get a second check, including a few unexpected qualifiers below. 

The common denominator in setting income limits is adjusted gross income, or AGI, which determines how much of the $1,200 for individuals and $2,400 for married couples you could receive if you meet the other requirements.

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More dependents could qualify for money

While the initial payments authorized under the CARES Act included $500 for dependents aged 16 and younger, the HEALS and Heroes Act would both loop in any dependent, regardless of age, including college students and adult dependents. (Here's the youngest you can be to qualify for your own stimulus check.)

The Democratic plan would extend $1,200 each, for up to three dependents, so a family of five people could receive a maximum of $6,000. The Republican plan would provide $500 for each dependent you claim on your taxes, but the HEALS Act doesn't specify a cap on the number of dependents.

Nonfilers would likely need to take an extra step

Those who weren't required to file a federal income tax return in either 2018 or 2019 could still be eligible for a stimulus check under the CARES Act. If that guideline doesn't change for a second stimulus check, this group would qualify again. Here are reasons you might not have been required to file:

• You're over 24, not claimed as a dependent and your income is less than $12,200
• You're married filing jointly and together your income is less than $24,400
• You have no income
• You receive federal benefits, such as Social Security or Social Security Disability Insurance (SSDI). See below for more on SSDI.

With the first stimulus check, nonfilers needed to provide the IRS with some information before they could receive their checks. The IRS is reaching out to 9 million Americans who may fall in this category but have not requested their payment to notify them they may be due a payment.

SSDI recipients and another stimulus check

Those who are part of the Social Security Disability Insurance program also qualify for a check under the CARES Act. Recipients would not receive their payments through their Direct Express card, which the government usually uses to distribute federal benefits, but through a non-Direct Express bank account or through a paper check. SSDI recipients also need to use the IRS' Non-Filers tool to request a payment for themselves and dependents.

This is who wasn't part of the first stimulus round 

For the payments authorized under the CARES Act, which became law in March, these groups were excluded:

• Single taxpayers with an AGI over $99,000.
• Heads of households with an AGI over $136,500.
• Married couples with an AGI over $198,000.
• Children over 16 and college students under age 24.
• Nonresident aliens, as defined by the US government.
• People who are incarcerated.
• People who died since the previous tax filing. (Their families may not collect on their behalf and are expected to return the payment.)

For more, here's what we know about the major proposals for a second stimulus package. We also have information on unemployment insurance, what you can do if you've lost your job, if you could receive two refund checks from the IRS and what to know about evictions.