Monetary stimulus check: a payment of $ 1,200 could still follow you in 2020


Start figuring out the maximum payout that could end up in your pocket if another stimulus package comes your way. Sarah Tew / CNET

Democrats and Republicans are unlikely to resume talks on another stimulus program until after Republican National Convention ends Thursday. But if and when the chief negotiators come to the table, both sides already seem to agree that a new package should include a second stimulus check. In their last conversation, however, there was still trillions of dollars in variance over how much the final bill should contain.

For now, with suspended negotiations, the timing of a new round of direct payments for qualified Americans is uncertain. In order to get around the deadlock, the GOP-led Senate is exploring a “skinny” bill that offers fewer measures, removing direct payments. The House of Representatives adopted a $ 25 billion bill to fund USPS Saturday, which the Senate has the power to amend to include more benefits. And a comprehensive bill that tackles more problems may still be in the works.

While we don’t know what will happen in the next few weeks, we have an estimate of how much you might receive from another round of payments – and when it might happen. This story is updated regularly.

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Could you get the full $ 1,200? How to start calculating

the Senate Healing Act starting in July proposed an upper limit of $ 1,200 per qualified person, but that doesn’t mean you’ll get everything. Your tax return status – specifically your adjusted gross income, or AGI – is the most important factor in determining the amount of stimulus money you could receive. Let’s say you are personally eligible for the full $ 1,200 (learn more about income limit qualifications here), but what about the rest of your family?

There is potentially good news out there. The first stimulus check, which is part of the Loi CARES bipartite, omitted dependent children aged 17 or over and students under 24. The Republican HEALS Act plan would include $ 500 for dependents regardless of age, including children and adults that you claim on your tax returns.

The calculations can be tricky, because they take into account your income, your dependents and whether you have declared single, married or head of household. The numbers below are based on this calculator put in place by the Washington Post and could shed some light on what you might get if the HEALS law were passed as is.

Stimulus control calculations

Scenario 1

Scenario 2

Scenario 3

Scenario 4

Filed taxes for 2019?





Filing status


Head of household



2018 or 2019 tax AGI

80 000 $

140 000 $

130 000 $

130 000 $

Dependents under 17 (CARES Law)





Dependents over 17 years old (HEALS law)





Calculated amount of the check

950 $

325 $

3 400 $

4 400 $

What is the maximum amount of stimulus money your household could receive?

Depending on how the negotiations go, the total amount your family might receive might change. Here’s a look at the caps in place to give you an idea of ​​what government leaders think.

Loi CARES: With the CARES law of March, there was no limit to the number of children who could count as dependents, as long as they were under 17 and claimed by the taxpayer on the tax return, according to the Tax foundation. Each dependent would earn the taxpayer $ 500. Theoretically, a family in which two adults and six children under 17 are entitled to the full amount could receive $ 5,400.

HEALS Act: Similar to the CARES Act, the Republican-proposed HEALS Act does not mention a cap on how much a family can receive. The difference is that this does not limit dependents under the age of 17 to qualify for the $ 500 payment.

Heroes Act: The Heroes Act, developed by the Democratic-led House and never taken up or opposed by the Senate, would place a cap of $ 6,000 for households of five or more. Essentially, it is offering $ 1,200 for each adult and dependent, with a maximum of three dependents per family.


How much stimulus money you might get from a second round of checks is still undecided.

James Martin / CNET

Three Ways a New IRS Stimulus Payment Could Happen

While there’s no official plan yet, it’s likely that receiving that second test raise will work a lot like the first time around.

Direct deposit: If you filed taxes in 2018 or 2019 and included direct deposit banking information, you probably can receive your check in direct deposit. Even if you haven’t filed your direct deposit information with the IRS during tax season, you should still have options to register. If you asked an extension on your taxes, you can still file them before the October 15, 2020 deadline and choose to share your direct deposit information with the IRS. If and when a stimulus check occurs, the IRS is likely to reopen the online tool it used for the first round and allow you to record your information afterwards.

A paper check in the Mayl: If you don’t register your bank details with the IRS, you will likely receive a paper check in the mail, which you can deposit or cash. If you have recently moved, be sure to file your change of address documents. The IRS will use your last known address, which could delay delivery of your check or cause a delay.

EIP plan: Under the CARES Act, about 4 million people have also received money in the form of a prepaid “economic impact payment” card, which you spend like cash. The cards came in plain, unmarked envelopes.

Learn about all the finer points of stimulus verification here.

When will Congress decide on the second stimulus control plans?

That’s the trillion dollar question. The Senate is adjourned until after Labor Day, with sessions initially not scheduled to resume until September 8. At this point, it doesn’t look like this bill will include stimulus check payments, but the Senate proposal has yet to be released, so we don’t know for sure.

Here’s more information on how the timeline might play out if a bill passes, including when the IRS was able to send the first checks.

If you are still waiting for your first stimulus control, here are 10 possible reasons for a delay, what you can do if you think your payment is lost or has fallen through the cracks and if you could receive two IRS rebate checks.

Shelby Brown and Alison DeNisco Rayome contributed to this report.


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