It’s true, you can get less money with a second incentive check, if …


If the second has gone through a check, you may not get the full $ 1200 per adult.

Angela Lang / CNET

After months of little agitation in negotiations with New economic relief package, Three new offers on Tuesday To address some pressing issues American economy and people are facing, but will Chances are to skip another direct payment Of Up to $ 1,200 per person.

However, if Congress authorizes a New incentive payment This year or early 2021 – and it is still an open question – The Eligibility rules They can change in ways that can give large or small checks for millions. some There may not be characters. There may also be some uncertainty until the qualification is finalized. How much incentive your house can get.

Regardless, you are Count on next direct payment, You want a realistic picture When the next incentive check may arrive. With this in mind, we set out some scenarios that may result in a small payment. And if you had to wait for the first payment, follow these steps To get the next one faster. We recently updated this story.

Stimulus money: an important thing to know

In First round of excitement checkThe IRS used you for the most part Most Recent Federal Tax Return (2019 0r 2018) When calculating your total payment (people who Usually do not file tax returns In many cases were also eligible). But some people who were eligible for the check have experienced personal or financial changes after filing that may affect future payments in one way or another.


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Did you start a new job, get an increase or earn a higher overall income?

Your Adjusted Gross Income, or AGI, Is a term commonly used for the IRS’s annual return to describe your total income, including your total income (such as stock sales, credits and deductions or an inheritance, for example). Come out of the paycheck. If your AGI goes above a certain income threshold, the first incentive check, and most likely the second, will bite you.

There is a lot of bond Your tax status and incentive check, And any change in your AGI can increase or decrease the size of your check.

For example, if you have received the full $ 1,200 Eligible adult With the first incentive check because your AGI was under the income limit, but then you got a promotion or a new job that paid more (congratulations), then next time your check might be smaller – since the limit IRS pays on a sliding scale – Or you can maximize the range and No longer fit. All told, this is a “good” problem.

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Children grow up, and you can have $ 500 per child.

Sara Tew / CNET

Do you have fewer dependent children now than this year?

Age is an important factor in how much incentive money a household gets, but perhaps not as you think. Older adults are entitled to a stimulation check in many cases. In the first round of direct payments, families were given an additional $ 500 for each “child dependent”. This is a legal minor who is 16 years or younger.

Interestingly, the definition of I.R.S. Dependent children for their taxes (23 or less, and financially dependent on the tax filer) is not the same set of terms used for incentive checks.

If the rules are the same (and there are) Some signs they can’t), Any old dependent you claimed for the first check may be out of entitlement, which means you can get $ 500 less if the rules remain the same.

Are you behind on child support or how did you change your dependent claim?

For the most part, you have full rights to use whatever you like to check any incentive you receive. However, an exception is excluded CARES Act since March There was child support. If you support the child for the other parent of your child, you may have some or all of the incentive check garnishes. If you and your parents received an additional $ 500 to file a dependency claim (this is complicated), and then how did you file in your 2019 tax reserve (for example, if the other parent completed Custody), you cannot change. Get an additional $ 500. Here is mentioned More information about child support situations.

Do you have any debt with creditors or private banks?

Generally, your incentive money cannot be garnished to pay rent or federal tax. However, there are some exceptions, including child support status above. If these rules do not change with the next stimulus bill, there are two groups – Private creditors and banks – One who can legitimately seize all or the first part of your money, and the possibility of the second one, investigate.

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Some entities are allowed to forfeit your incentive money.

Sara Tew / CNET

Some incentive laws may shift, which may disqualify you

Since the terms of The second incentive check has not yet been finalized – And it will not happen until the sitting president signs the bill into law – it is not clear how they can change or not. There is also the possibility that the IRS can interpret the law and withdraw the incentive money. For example, after the CARES Act was signed in March, the IRS sent for the first time People in jail and a provocation check jail, Then sought it back and stopped issuing new checks. A recent decision by a federal judge has restarted him.

If about this law, and others Citizenship Status in US, US territories or abroadHad to change, it could make someone who was previously disqualified for the check.

Did you give the IRS your new address if you moved?

If you left as a result of the COVID-19 epidemic and not Changed address change with USPS or IRS (To take a good measure), the agency may not know where to send the paper check or EIP Card. If you received your first incentive distribution via direct deposit, the IRS will likely go that route again. If you have changed bank accounts, you can To run into a grip Or need to Contact the IRS to file a further claim.

If there is an IRS error or missing step, you will need to file a claim

this Happened with first check And can easily happen to the next. Clerical errors and complicated rules may result in a second future incentive check in your home, which you may actually be entitled to – And your dependents. Or maybe you don’t usually need to file taxes and a rare additional step you need to take is missing. Maybe you left (see above).

Whatever the reason, if some issue prevents you from receiving all or part of your incentive money, you should be able to claim a rebate payment. The IRS is currently sorting through Now these incentive payment defaults For a wide range of groups, and chances are that will happen again A second check arrives.

Has anyone in your family died since your last tax filing?

our condolences. If your household has received an incentive check that includes children dependent on a spouse who died between your last tax filing and the receipt of another incentive check, the IRS will consider your tax filing status, deduction, credit, or AGI There is a possibility of sending a small amount for Changed. If the person has recently died (until the next check arrives), the IRS asks for the refund.

For more information about the excitement, here’s what President-President Joe Biden can do If not go through another incentive bill Until he becomes president, and Everything you need to know about stimulus testing.

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