Congress is gearing up to send out stimulus checks to Americans across the country to combat the recession being created by the coronavirus pandemic. With stores, restaurants, and more being closed, and most other Americans forced to work from home, the country is gearing up for a recession or depression that is hasn't seen in almost a century.
With lessons learned from the Depression and Great Recession, one of the biggest ways to stimulate the economy and keep American's financially safe is to simply give them cash to spend - to pay rent, buy food, and take care of their families.
Let's look at the history of stimulus checks, and give you an idea of what to expect, how to prepare, and what you should seriously consider spending your stimulus check on given what we've learned from history.
Note: On May 15, 2020, the House passed the HEROES Act, which provides another round of stimulus checks. This isn't law yet, but we have the proposal below.
Updates: This post is updated as fast as possible. The IRS is announcing updates almost daily. Please check the dates of comments if you're looking for specific answers.
The 2020 CARES Act Stimulus Checks
The COVID-19 response has included stimulus checks. Here's what they are as part of the Coronavirus Aid, Relief, and Economic Security (CARES) Act.
The stimulus check amount for 2020 is adults would get $1,200 each (so $2,400 for couples filing jointly) and children $500 each (children are qualifying children according to IRS rules claimed in the household under 17 years old). The benefit would start to phase out at a rate of $5 for every additional $100 in income.
You also cannot be claimed as a dependent on someone else's return.
The benefit phaseout starts at:
- $75,000 in adjusted gross income for singles
- $112,500 for heads of household
- $150,000 for married couples filing jointly
- Completely phase out at $99,000 for singles and $198,000 for couples (with no children)
The current bill as written requires you to have filed a 2019 tax return or a 2018 return if you haven't filed your 2019 return yet by the time the checks go out, and it would send the benefit checks to the address listed on the tax return. See below for updating your information with the IRS.
Update: Low-income taxpayers, senior citizens, Social Security recipients, some veterans and individuals with disabilities who are otherwise not required to file a tax return , the IRS has released a Non-Filer Stimulus Check form you can fill out.
For Those On Social Security
Updated on April 1, 2020.
The IRS will use the information on the Form SSA-1099 or Form RRB-1099 to generate Economic Impact Payments to recipients of benefits reflected in the Form SSA-1099 or Form RRB-1099 who are not required to file a tax return and did not file a return for 2019 or 2019. This includes senior citizens, Social Security recipients and railroad retirees who are not otherwise required to file a tax return.
Since the IRS would not have information regarding any dependents for these people, each person would receive $1,200 per person, without the additional amount for any dependents at this time.
If you need to add or update dependents that qualify, use this form: IRS Non-Filer Stimulus Check Info Form.
For Those On SSDI
This law will also include payments to those whose income comes entirely from non-taxable benefits, such as SSDI benefits.
No action will be required and your check will be delivered in the way you get your normal benefits (whether direct deposit or paper check).
The only exception is if you need to claim dependents. In that case, you need to use the Non-Filer Form or file a simple return. Note: this must be done by April 22, 2020 or you might not get your dependent check with your regular stimulus check.
For Those On SSI
Updated on April 15, 2020.
This IRS announced those that receive Supplemental Security Income (SSI) will automatically receive automatic Economic Impact Payments (stimulus checks). No extra steps will be necessary.
The IRS estimates that your payments will go out in early May.
However, if you have eligible dependents, you need to file a simple tax return. You can also enter dependent information if you're an SSI non-filer and have dependents that are eligible. Note: this must be done by April 22, 2020 or you might not get your dependent check with your regular stimulus check.
Read the IRS notice here.
For Those Who Receive VA Benefits
Updated on April 17, 2020
Veterans and their beneficiaries who receive Compensation and Pension (C&P) benefit payments from VA will receive a $1,200 Economic Impact Payment with no further action needed on their part. Timing on the payments is still being determined. Our guess is early May based on what we're hearing.
If you have a dependent, you may still need to file a simple tax return to claim your dependent. Note: this must be done by April 22, 2020 or you might not get your dependent check with your regular stimulus check.
Read the IRS notice here.
Is This Income, A Tax Credit, Or What?
This stimulus check is a refundable tax credit for 2020, being paid to you early. You will have to claim in on your 2020 taxes, but there is nothing to pay back... unless:
- You received an incorrect amount based on household or filing (such as you're now divorced and should have received just a single check, etc.).
- You received a check for a deceased person (i.e. you received $2,400 because you received an extra $1,200 for your spouse - you'll be required to pay back the extra $1,200).
- We are currently uncertain what happens if your earnings in 2020 exceed the AGI limits. However, it appears they will not claw back the check if your 2020 earnings exceed the AGI limits.
Proposal: HEROES Act Stimulus Checks
On May 15, 2020, the HEROES Act passed the House, and it included a second round of stimulus checks for Americans.
This next round is slightly more generous that the first round - but a lot of the same rules apply.
The checks are the same for adults: $1,200 for singles, or $2,400 for couples.
The benefit phaseout starts at:
- $75,000 in adjusted gross income for singles
- $112,500 for heads of household
- $150,000 for married couples filing jointly
- Completely phase out at $99,000 for singles and $198,000 for couples (with no children)
The difference with this new proposal is that eligible children receive $1,200 (limit three).
The new bill also has a few correction:
- They make it clear that SSA, SSI, SSDI, VA, and RRB recipients don't need to file a tax return
- They fix the child age limits to be 17 or under at the end of the tax year
- It would remove the offsets for child support
- It would prevent state banks from garnishing bank accounts with stimulus checks
Note: This isn't a recurring check. It's another one-time payment. The recurring checks have been proposed, but haven't gained any traction.
Other 2020 Stimulus Programs
Beyond the direct checks to individuals and families, there are a variety of other programs that are providing tax credits and loans to individuals and small businesses.
We will update this section as programs emerge.
Families First Coronavirus Response Act (FFCRA)
The biggest stimulus program right now is the Families First Coronavirus Response Act (FFCRA), which expanded paid leave and sick leave for millions of Americans. It also has tax breaks to help small businesses provide these expanded benefits.
The biggest component of the FFCRA is the emergency paid leave. You can qualify for leave if you meet any of the following six requirements:
- You are subject to a federal, state, or local quarantine or isolation order related to COVID-19.
- You are quarantined at the direction of a health authority or healthcare provider to prevent spread of COVID-19.
- You are experiencing symptoms of COVID-19 and is seeking a diagnosis.
- You are caring for another person who is subject to #1 or #2 above.
- You are caring for a child or another person due to closure of a school or other facility due to COVID-19.
- You are experiencing similar conditions that have been specified by the US Department of Health and Human Services (HHS).
Full-time employees can get up to 80 hours of paid leave, which would be covered by the US Government (so it's not a monetary burden to your employer).
The amount of the benefit is determined by which reasons you qualify for. If you qualify due to reasons #1, #2, or #3, you will receive the greater of: your rate of pay, Federal minimum wage, or your local minimum wage. The maximum benefit is $511 per day, or a total of $5,110.
If you qualify due to reasons #4, #5, or $6, the amount is 2/3's the rate above, with a maximum benefit of $200 per day, or a total of $2,000.
These are other benefits as well, check out this guide for more.
Student Loan Relief
The Department of Education has issued a lot of special options for families with student loan debt during this crisis.
The law that just past includes a freeze on payments and interest on student loans through September 30, 2020. This would be a huge win for borrowers.
We have a full guide to it here: Coronavirus student loan relief programs.
Expanded Unemployment Benefits
To cope with the massive amounts of jobs being lost, Congress also expanded unemployment benefits to those that have lost their job due to the COVID-19 crisis.
Eligible workers can get up to $600 extra a week from the Federal government, on top of state benefits.
Learn more in our full guide here: Expanded Unemployment Benefits Due To Coronavirus.
History Of Stimulus Checks
Stimulus checks aren't a new idea. In fact, in the last 20 years, the United States has given out stimulus checks three times. They've been used as a tool to combat major recessions in the United States.
Here are some past examples:
2001: Economic Growth and Tax Relief Reconciliation Act of 2001 provided $300 for single filer taxpayers and $600 for joint filers.
2008: Economic Stimulus Act of 2008 provided $300 to $600 per person, $1,200 for married couples, and $300 per child.
2009: Economic Recovery Payment of 2009 provided $250 for beneficiaries of select retirement programs, including Social Security, Veterans Affairs, and Railroad Retirement.
How To Get A 2020 Stimulus Check
The Department of Treasury will hopefully start sending out checks to qualified households as soon as possible. They typically use the IRS records to send out checks to families.
You must have filed a 2019 tax return, or a 2018 tax return if you haven't filed 2019 yet since the tax deadline was extended. If you haven't filed your taxes yet, don't delay and get started now.
If you are receiving Social Security retirement income, or SSDI, and are not required to file a tax return, the IRS will use your information on file with the Social Security Administration to send your stimulus check.
The same is true for individuals on SSI or those that receive VA benefits.
In 2008, it took two months to start distributing the stimulus checks after the law was signed. President Trump is pushing to have that start much sooner this year.
For those that may qualify and didn't file a tax return, and aren't eligible to have their information automatically used by the Social Security Administration, there will likely be an IRS form you can submit later this year.
You can read our full guide to How To Get Your Stimulus Check If It Doesn't Come Automatically.
When To Expect My Stimulus Check
The Treasury Secretary has said they hope to start issuing checks within three weeks of the bill passing, with the remainder of the checks to be mailed by the end of May. The IRS has testified to Congress that it could take up to 20 weeks to deliver most of the checks. That's 5 months - that means up to September for some folks.
For those on SSI, SSDI, or VA benefits, the IRS said it's working with it's partner agencies (the Social Security Administration and Department of Veterans Affairs) to get the checks sent out in early-to-mid May.
Based on past checks, we think this is pretty aggressive, and see it more likely being in May.
You can check the status of your stimulus check here: IRS Get My Payment Tool. Note: This tool only works for those that are required to file a tax return. Social Security recipients and others won't be able to track their check here *yet*. Plus, your checks aren't expected until May.
The Washington Post shared an IRS internal memo which said paper checks will start going out April 24 and continue until September, based on the taxpayers earnings. If you're waiting on a paper check, see these dates to get your check mailed:
- Earning $10,000 or less - April 24th
- Earning $20,000 or less - May 1st
- Earning $30,000 or less - May 8th
- Earning $40,000 or less - May 15th
- Earning $50,000 or less - May 22nd
- Earning $60,000 or less - May 29th
- Earning $70,000 or less - June 5th
- Earning $80,000 or less - June 12th
- Earning $90,000 or less - June 19th
- Earning $100,000 or less - June 26th
The schedule continues in the same rate - increasing to those earning $10,000 more each week. This continues until the final checks, to joint taxpayers who earn $200,000 or less, on September 4th.
Remember, these are estimates!
How Does The IRS or Treasury Know My Address?
Checks will start using information from tax returns. The IRS has an "Update My Information" tool that allows you to provide your updated address to make sure your check isn't delayed.
If you aren't required to file a tax return, you can use this tool for non-filers: IRS Non-Filer Tool.
Here is the tool: IRS Update My Information Tool.
Can I Update My Direct Deposit Information?
The IRS announced plans to roll-out a new website that would allow you to update your direct deposit information. More to come on this.
How Will The IRS Send My Money
Direct Deposit is the best way to get your stimulus check because it will be the fastest. The Treasury Department will use your tax return information to process a direct deposit (just like your tax return).
If you need a paper check, it typically adds 2-3 weeks to the process for the Treasury Department to print and mail your check.
If you filed a return and got it on a financial instrument (like a prepaid card or tax advance loan), you'll receive a paper check.
Is My Stimulus Check Subject To Offset Or Garnishment?
No, your stimulus check is not subject to an offset for Federal debts, tax debt, student loans, unemployment. However, it is subject to offset for child support.
It may also be subject to garnishment by your state. State laws vary - and while some states have passed laws to prevent this, other states haven't.
Best Ways To Use Your Check
One of the biggest questions I get is how to use your stimulus check to do the most good. This is a tough question because it varies so much from person to person, and family to family.
However, here's an order of operations to consider for the best ways to use your stimulus check.
First - Get A Bank Account
If you don't have your own checking account, you need one now. Yes, you can receive a paper check and use a check-cashing service, but that's a waste of your own money.
Yes, it's not required... it's just the smart money move and I'm here to help you make better money decisions!
Check out this list of the best free checking accounts and set yourself up for success right now. If you've been denied a bank account in the past, here's a list of second-chance checking accounts that will let you open an account.
Essentials
Obviously, if you're struggling, you have to take care of yourself first. Food, housing, medical supplies, children's essentials. Take care of yourself and your family. That's the biggest reason these checks are being issued - so Americans can take care of themselves in this time of crisis.
Eliminate Debt
Chances are this crisis is going to last a substantial amount of time. One of the biggest things that hurts most household budgets is debt. If you have debt, like credit cards or student loans, it could make sense to apply the payment to your debts.
If you have student loans, there are other coronavirus relief programs for student loans, and it might not make sense to put it towards your student loan debt.
Save For The Future
Most of us have upcoming expenses we may not be able to avoid. This could be a tax bill (property taxes or other - and remember the IRS moved the tax deadlines this year), or something else.
Plus, we're going into a big period of uncertainty, and job losses are spiking. You need to protect yourself and your family, and cash is king.
If You Don't Need The Money, Donate It
If you are financially prepared, consider donating your stimulus check to an organization that can use the money. Since fundraisers are basically non-existent right now, and charities everywhere are seeing increased demand, anything you can do will help.
Beware Of Scams
With everything, if money is involved, there is a scammer out there trying to take it from you. We see this every year with tax refunds - those robocalls pretending to be the IRS and getting you to pay them. We're undoubtedly going to see it with the stimulus checks as well.
If anyone calls you about the stimulus checks, it's 100% a scam. The government doesn't call people. They send letters and mail. That's how you'll be contacted.
Second, the government doesn't need your personal details! They have all your information already. If you need to update your information - use the IRS website we provided above.
Finally, you never have to pay anyone anything to receive a check. This is your money, you don't need to pay for it.
2020 Stimulus Check FAQs
Okay, that was a lot of information. Here are some basic FAQs about everything.
How much will my stimulus check be?
The baseline of the law is adults would get $1,200 each and children $500 each. The benefit would start to phase out at a rate of $5 for every additional $100 in income.
How quickly will I receive my stimulus check?
The Treasury Department is trying to get checks out as early as April and through May, but that would be aggressive based on history.
The IRS estimates that most checks will be sent in April and May, but continue all the way through September.
You can use the IRS Get My Payment Tool to check the status.
How does the government know where to send the check?
The government will send it to the address on your tax return. You must have filed a 2018 or 2019 tax return in order to get a stimulus check.
If you're a SSA, SSDI, SSI, or VA benefit recipient, the government will send your check to your payment method on file (including Direct Express cards).
If you aren't required to file a tax return, you must use this new form: IRS Non-Filer Stimulus Payment Tool.
What if I need to update my information?
The IRS has an "Update My Information" tool where you can submit your updated address and information so that you don't miss anything from the IRS, or miss your stimulus check.
Is this a one-time check or an ongoing check?
Currently, it's set to be a one-time check. However, there are multiple proposals to make it ongoing.
How do I know if I qualify for a stimulus check?
You must file a 2018 or 2019 tax return, and meet the income requirements of the program. The checks completely phase out at $99,000 for singles and $198,000 for couples (with no children). There is no income minimum.
Can I use my check for student loan debt?
Yes, you can, but it might not be the best way to use your check right now given that student loan interest is frozen. You might consider paying off other debts if your essentials are taken care of.
Can they garnish my stimulus check for child support, back taxes, or student loan debt?
No, your stimulus check is not subject to offset, with the exception of past due child support. However, your state can also garnish your check, and some states are actively doing this.
Will I have to pay this back?
This check is a tax credit for your 2020 return. It's technically based on your 2020 income. So, if your income rises above the AGI limits, you might have to pay it back (this is uncertain at the moment).
Another scenario is if your filing status changed and you were overpaid, you may also have to pay back the difference.
Finally, the IRS has confirmed that you will owe money back if you receive money for a deceased person (such as a deceased spouse).
Before You Comment:
First, search the comments. Many questions have been answered already.
Second, check the post dates. We update this article with the latest information as we get it from the IRS and other sources. Things have changed (a lot, honestly) since this was first announced. Some comments may no longer be accurate or relevant. Some of the policies have changed. See the above article for reference.
Third, all comments are moderated. Don't post the same question multiple times. Realize your question may not be answered if it's similar to the 1,500+ other comments that have been made.
Robert Farrington is America’s Millennial Money Expert® and America’s Student Loan Debt Expert™, and the founder of The College Investor, a personal finance site dedicated to helping millennials escape student loan debt to start investing and building wealth for the future. You can learn more about him here.
He regularly writes about investing, student loan debt, and general personal finance topics geared towards anyone wanting to earn more, get out of debt, and start building wealth for the future.
He has been quoted in major publications including the New York Times, Washington Post, Fox, ABC, NBC, and more. He is also a regular contributor to Forbes.
Audora says
My ? Is this my tax retturn was auto deposited in my bank account will this b done the same way as our tax return was deluvered??? Thank u
Robert Farrington says
Yes, that would be the plan when it happens. They would use your same direct deposit information provided on your 2019 tax return.
Myra says
What if I had my taxes put on a prepaid card. And no longer have access to that account. Is it a number I can call to get a paper check
Robert Farrington says
You will get a paper check. They won’t send a stimulus check to your prepaid card.
You should strongly consider getting a checking account.
Sara Herrmann says
I have a checking account but my tax preparer added it onto a prepaid card??.
Robert Farrington says
You’ll get a check in the mail.
Jack Jonson says
If you’re currently working will you receive a stimulus check ?
Robert Farrington says
Yes, subject to the rules and income restrictions above.
Joshua says
What if the bank account you had when filing in 2019, you are no longer with?
Robert Farrington says
You’ll get a paper check.
Andre says
How can I change my prepaid account to my bank account
Robert Farrington says
You can’t at this point. You’ll get a paper check.
Senithea says
Iowa State and I’ve had my whole entire income taxes taken two years in a row will Will it still be offset it is unclear because no one seems to know whether he will or won’t certain things we all are certain things we got mine is the state not student loan not back taxes the state will I still receive the stimulus shack and thank you so much for your patience
Robert Farrington says
What is it for? The only offset being enforced is child support.
Heidi says
Go to irs.gov and “update my information.” Do it now so things don’t get twisted.
Kurt says
Robert Farrington, the reason people keep asking the same question over and over is they are unsure what “offsets” are. Answering the ? over and over with the same terminology without an explanation isn’t clarifying the matter.
Please explain what “offsets” are.
To help answer via my past personal experience, the 2008 stimulus went towards my back federal taxes/penalties/fees. Whether that will happen this time around for those that owe these, I don’t know.
Robert Farrington says
An offset is when your government payment (whether a tax refund, stimulus check, Social Security, etc.) is taken from you to pay something else. I.e. it’s offset.
The most common offsets are: unpaid taxes (both federal and state), student loan debt in default, other federal or state debt, and past-due child support.
Angela Deckman says
Will the stimulus check be held as income, when it comes to figuring out my sec 8 rent amount?
Robert Farrington says
No, it’s a refundable tax credit.
Lucille Williams says
So if my child turn 17 years old in Feb 2019 does she qualify?
Robert Farrington says
No, she won’t.
Brandi says
If I owe the IRS for previous year’s taxes will I still receive a stimulus check?
Robert Farrington says
In the past, tax offsets have continued. However, it’s yet to be seen.
Candice says
It says that it will take about 2 months to get a check.. I am on social security disability so I have direct deposit.. how long will it take for the money to go into my account.. thank you
Robert Farrington says
Likely about 2 months. They are hoping for early April… I can’t see any way logistically that will happen. Likely end of April or May at the earliest.
sam says
I am sure they will keep it from past personal experience. But, hey, at least it will help getting them paid off.
Robert Farrington says
Sadly, it rarely does. Most of the offset/garnishment goes to collection costs and fees. And if no progress is made year to year, the loan grows bigger than it was this year…
Jur says
So if we owe taxs from a previous year we will not get a check?
Robert Farrington says
There will be no offsets on the stimulus check.
faye says
I was wondering about previous years owed taxes as well. It will not help if the IRS just takes it. I am hoping they do not intercept. I guess we will find out soon.
Robert Farrington says
No offsets for the stimulus check.
Matthew Tortolini says
Anymore clarity on this?
Robert Farrington says
There will be no offset on the stimulus check.
Vins says
Tax offsets are confusing to me. Does mean no check I
if the back taxes are more than the stimulus check.
Robert Farrington says
There will be no offset on the stimulus check.
Tammy says
Would that include those who are currently on a payment plan? Im the only one working in the home, so it has been a struggle.
Robert Farrington says
What do you mean payment plan?
Deb says
Does that mean my stimulus check will be applied to my tax debt?
Robert Farrington says
It’s unclear as of now. We hope not, but haven’t seen the final language about offsets.
cece says
If you owe back taxes will you still receive check
Robert Farrington says
It’s unclear at this time. It appears the IRS is going to stop some collections, but we are waiting on the final answer.
Tammy says
Earlier I posted about how I am currently paying my back taxes with an installment agreement. Wouth the offset still apply?
Thanks so much,
Cece says
the article does not mention offsets and most people don’t know what that means .
Taryn says
How will a person know if their stimulus check will be intercepted from the offset program?
Robert Farrington says
There will be no offset on the stimulus check.
Kanard Allen Williams says
Trump stated there would be a forbearance in tax collections, am I wrong in assuming that extends to taxes owed? If Im correct, those on payment plans would receive a check/deposit. There are alot of people, in the millikns, who owe taxes who would be upset otherwise if check was offset.
Robert Farrington says
The IRS announced a bunch of things related to collections here, but nothing is specific on the tax offset program. It’s all about other collection efforts.
Ray says
Wait, so if i am entitled to $1200….the IRS can apply that amount toward a prior IRS tax debt? Actually i wouldn’t mind, but would rather get the funds up front to take care of other “essentials”…i am also on a pymt agreement with the IRS…wouldn’t that prohibit them from offsetting these funds? I still get my NYS refund every year.
Robert Farrington says
They can… but they’re not right now.
There will be no offset on the stimulus check.
Kenneth Nowlin says
What does it mean in the past tax offsets have continued? My question was the same….I owe for past taxes…does this mean I won’t get a check?
Robert Farrington says
There will be no offset on the stimulus check.
Angela says
What does tax offsets mean?
Robert Farrington says
A tax offset is when the IRS keeps your money due to a debt owed. That debt can be student loans, taxes, child support, unemployment overpayment, and state debts as well.
Donna says
I am sorry I am confused by your answers. If owe the IRS money will I receive a check or will they take it for payment
Robert Farrington says
It’s uncertain. We don’t have that guidance yet.
Linda Price says
I’m sorry I’m confused. I still owe 1,900 in back taxes I have been paying down over the past five years I started out owing almost 17,000.00 I’m on a payment plan with IRS will I receive the stimulus check?
Robert Farrington says
Yes, you should receive your check.
Tenesha says
Amen thank u! No offsets! Things are so crazy… They can offset anything else but not emergency funds.. thT wud be so cruel..
Sue says
What does offsets mean?
Robert Farrington says
An offset is when the IRS takes your money from a government payment (like a tax refund or stimulus check).
Dana says
I have this question as well. Since this is suppose to help people with money and job loss do you think they will let us get the check if we owe the irs? Especially since they extended tax deadlines.
Robert Farrington says
There will be no offset on the stimulus check.
Stacey Bartock says
Robert Farrington keeps saying there will be no offset to the check but than he says the government has been unclear to whether the stimulus check would be taken for back child support. Which is it?!
Robert Farrington says
We are clear on the following: no offset for tax debt, student loans, unemployment overpayments, and state debts.
The only offset we’re not clear about is child support offset. It was the only thing not clearly defined in the written bill. So it’s legally allowed, and we need the IRS to clarify if they will or won’t do it.
Jamie says
Ok so he is being difficult about what your asking, basically if you have an offset, that means that you have money that is owed by an agency who has the power to intercept it and take it to put towards your debt, so if you have an offset then they take it, he is saying that there will be no offsets on this money, meaning no matter what you owe or what you owe it for, they are not going to touch it to pay it towards that debt. You will get the stimulus check no matter whether you owe or not. They are not touching it for debts.
sam says
The guy is doing his best to answer. He can only answer it as he reads the bill. My understanding after much research is that it won’t be offset for back taxes or federal debt. But possibly for child support. We have yet to see what the IRS decides. Personally If I get it great, If they apply to taxes owed, great. I understand many need the money now. Times are tough. I would keep a watch on the IRS website that is started for this. I’m sure they will update as soon as possible. That said: I would not spend it ahead of time though.
Peg says
Can they garnish my stimulus check for child support, back taxes, or student loan debt?
No, your stimulus check is not subject to offset.
Robert Farrington says
There will be no offset on the stimulus check.
Jamie says
Ok so he is being difficult about what your asking, basically if you have an offset, that means that you have money that is owed by an agency who has the power to intercept it and take it to put towards your debt, so if you have an offset then they take it, he is saying that there will be no offsets on this money, meaning no matter what you owe or what you owe it for, they are not going to touch it to pay it towards that debt. You will get the stimulus check no matter whether you owe or not. They are not touching it for debts.
Tanya says
They are garnishing for past due child support.
Rhonda Ford says
I’ve read, listened and keep seeing the same question being asked and answered. So if I may say so to the redundant question of- will the IRS take or not give me a stimulus package because I owe(past) offset bills..The answer to this question is NO!
James says
Why are they saying the disabled people won’t get them
Robert Farrington says
The final draft has language that now includes SSI, but we’re waiting for it to be official.
Jennifer says
You have got to be kidding me unreal. The ones in the worst shape are forgotten. Thank you
Amy says
SSI is different than Social Security Disability (SSDI)
Robert Farrington says
Yes.
Alice says
Is there a time frame, for the final draft? I’m sure they’re trying to get loose ends tied up. When that is done, can you please post the information concerning those on SSI. My husband is a Representative Payee and he will need to be informed of any additional funds, for that person. It’s so much misinformation, some say yes, some say no about SSI and the stimulus check. Thanks.
Robert Farrington says
There is no income minimum – that’s clear. As a result, SSI recipients qualify. The IRS released guidance that a “simple tax return” is required.
Andrea says
Okay so if we don’t have a bank account,and its coming on paper check how would i cash it if it over 1000$ with out a bank account?
Robert Farrington says
Good question… get a checking account?
cece says
If you owe back taxes and on installment plan will you receive a check ?
Jessica says
Yes you will get the stimulus check.
Reshema says
So with that being said!They would use the same account as Jackson Hewitt have ? American Express
Robert Farrington says
No, you would receive a check.
Katie says
My 2018 income tax was direct deposited into my bank account, but they had me put my 2019 income tax on a FasterMoney card by Meta Bank, will they direct deposit into my account based on my 2018 taxes?
Robert Farrington says
No, you’ll likely get a paper chcek.
Jan says
Robert
Thank you for all that you have done. You have got to be the most patient person that I’ve ever seen. Great job sir!
Kim says
I agree. Thank you for your hard work
Sandra says
I 1000% agree with you Jan I would have nowhere near the patience it was aggravating me just reading it LOL you are a good man Robert🏅🏆
David A Felker says
I have drawn SSDI since 2009. I am 39 years old. I live with my mother. She claimed me are 2019 taxes. I know they are saying that people on SSDI will automatically get it. Do I still qualify even though my mother claim me as a dependent?
Robert Farrington says
No, dependents should not get it.
Janeth says
I’m 17 I’m on ssdi my mom claim me do I get my stimulus check
Robert Farrington says
If you’re claimed as a dependent, you do not receive a stimulus check.
Theresa says
Will we have to pay this back 2021 tax season or will it be taxed like earned income?
Robert Farrington says
No, it’s a refundable tax credit.
AL says
Meaning what exactly? To my understanding refundable tax credits are basically taking out a loan on your next year’s taxes. So say I’m to get $1,500 back next year, they take this $1,200 check out of it and just send me the $300? This doesn’t seem right. I thought it was relief not temporary relief.
Robert Farrington says
A refundable tax credit means that, even if you owe no taxes, you’ll still get the tax credit/refund. Some other common examples of this are Earned Income Tax Credit and Additional Child Tax Credit.
So, this is a totally new addition to the tax code and a totally extra payment. It doesn’t impact your future return in any way (i.e. it’s not an “advance” on your future refund).
Fy says
Will I be able to claim the 1200 stimulus check when I file my 2020 taxes as my parents claim me as a dependent and claim the Life Time Learning Credit
Robert Farrington says
Are you saying they claimed you 2019, but won’t in 2020. If that’s the case, then yes.
Joseph says
If i have different direct deposit information this year how will i receive it
Robert Farrington says
Paper check.
anastasha s says
hi i have an tax offset for student loans will my stimulus check be effected?
Robert Farrington says
No. There will be no offset on the stimulus check.
Tracey A Swaner says
No offset on back taxes
Robert Farrington says
Correct, no offset for back taxes.
Denise says
My taxes were offset in Feb for student loan, if I’m reading correctly we will get the refund, is this correct
Robert Farrington says
If they were offset before March 13, no (at least that’s how we are interpreting it as that was the start of the declared emergency). If you hear something different or get a refund, please let us know. Of course, if we see more, we’ll also update it.
Henny says
I thought they was an offset for stimulus check for past due child support
Robert Farrington says
For child support – yes. The comment you’re replying to is for student loan debt, which is no.
Rich says
I owe past child support-my kids are both over 18.- I’m on a court ordered plan that I’m current on and have been for years..I also owe a small amount of back taxes…Do I qualify for the stimulus check..?
Robert Farrington says
Qualifying is based on the requirements above. Whether they will offset it is still to be seen.
SC says
When will we know if they will be taken for back pay?
Robert Farrington says
When the IRS announces it… they’ve announced other initiatives, but the offset program isn’t clear yet.
Lisa says
So yes or no? Will child support arrears take a chunk? (Same situation)
Robert Farrington says
Don’t know yet. Will update the article when we know.
Rich says
How & when will we know if there going to offset ? It’s never mentioned online/ on Television etc:
Is there site to go to etc:
Thx..
Tom says
My wife passed away in 2017. I used the widow status for my taxes in 2018 &2019 and make less than $75,000 will I get a $1,200 or $2.400 check?
Robert Farrington says
Single.
Heather w. says
Do people read what you wrote ?? You very clearly stated they haven’t said yet what will or will not be off set and yet you are getting one question after another wanting you to tell them what it’s going to be off set !! Hello people… he doesn’t know yet and neither does anyone else because they haven’t ANNOUNCED IT YET !!! Did you guys hear THAT ??? Jeez it’s like talking to brick walls on here sometimes. You are such a patient man, Robert, to put up with these repetitive questions !!
Stacie says
Will the stimulus check be taxed?
Robert Farrington says
No, it’s not taxable.
Debbi Farrelly says
If you lost your job because of the virus, can you receive the stimulus check and unemployment?
Robert Farrington says
Stimulus check has nothing to do with your unemployment claim. Although unemployment payments are also increasing for many.
Ren says
Well done sir! Seriously ? Finally! Some clarity ?Thanks Robert…a panicked herd will run off the cliff…
Amy says
If I owe back taxes but am in an installment agreement, will they keep the stimulus check and put that towards my tax debt?
Robert Farrington says
The IRS should not hold your stimulus check if you’re making progress on an installment payment plan.
Sandra says
OMG it is like everyone keeps asking that same question Robert till you tell them what they want to hear I guess
Are you sure you’re not a robot Robert I have never seen anyone so patient I’m just kidding
Nadege Guerrier says
I m 17 years old and my mother claims me as a dependent can I get a Coronavirus check?
Robert Farrington says
No, you aren’t eligible to receive a stimulus check.
Kelly says
I filed my 2019 yesterday but I only made 1,100 because I was unemployed most of the year will I get a check?
Robert Farrington says
If that amount is less than the limits, then I think so…
Russ says
What if you still haven’t received your w2’s from 2018 ??
Robert Farrington says
See this. They should have arrived over a year ago.
T says
Will I get the check deposited in same bank account I use for my ssi I received Ssi
Robert Farrington says
Yes, it should be.
Heather w says
You should have gotten your w2’s for 2018 a year ago and just recently gotten your w2’s for 2019 and files your taxes for last year (2019) which is what they will be using to pay these checks to people. How are you literally a year behind ? You need to call your employer and get THIS YEAR’S w2 (2019) and file as quickly as you can and worry about last year (2018) after you’re done with the current tax season. Every year from February to April 15 (this year that date has been pushed back) we file our taxes on the previous year’s income…. example: in 2020 we are filing our 2019 taxes , in 2019 between February and April 15 we filed on our 2018 income (or we all SHOULD HAVE at least) and since they are basing these stimulus payments on your 2019 tax return then it’s the one you literally JUST FILED in the last 2 months !! So if you haven’t done it yet.. you need to immediately file your tax return for the year 2019 which is due NOW and worry about previous years returns later (even though they should have been done a year ago, they won’t have any bearing on the stimulus checks.) Correct me if I’m wrong please Robert. This was how it was explained to me by my economics professor the other day in our online class.
Denicia Lewis says
If I owe child support which they already take from my pay check will I receive this money
Robert Farrington says
It’s unclear if child support is exempted for offset.
sherah says
Hello I am from Indiana and a quick yet truthful answer to child support is YES. My daughters father just called me Friday upset and furious. He told me that on 04/29/2020 his stimulus check was intercepted for back child support payments. I have no clue when I will receive this but he did send me a picture of the letter they are being taken by the Treasury Offset Program. If anyone has any idea when they will be sending these payments to the custodial parent please let me know. Thank you for your time stay safe
Robert Farrington says
Depends on the state – anywhere from two to three weeks, to upwards of six months. How long does it normally take for your tax refund offset to arrive?
Caryn says
Now I’m just starting to laugh. I’m ashamed. Do they still teach english, spelling, writing? I bet you wish, Mr. Farrington, that you never had to do this job. You should get a raise.
Heather W says
He should get an award at the very least for his patience with some of these folks for sure. The article had just about all if the answers to many of these questions in it and the few extra points he has made are very clearly stated in the first few questions yet people keep asking the exact same question over and over and over again and then they get angry with him for not wanting to answer it again and again and again !! Obviously these folks know how to read and write because they found this article and typed in these ridiculous questions yet they couldn’t be bothered to read anything that he ALREADY wrote here and see if any of it answers their question before they take the time to ask the same question over and over. He has the patience of a saint because I would be giving folks hell for asking a question I had already answered !!
Shaughne G. says
AMEN!!!! I am so confused as to why no one has READ this simple, well written article? My god, how many times can the SAME question be asked and given the same, exact answer…every time?!?!
Mr. Farrington, thank you so much for your time and patience.
Amy Jobe says
I am on public assistance welfare and receive food stamps and cash assistance. Will I be getting a stimulus check too?
Robert Farrington says
There is no income minimum to qualify.
Patricia Williams says
Hi I filed my income taxes with H&R Block and had my refund direct deposit on to their emerald card. Will I receive my stimulus check on that card?
Robert Farrington says
You’ll likely get a paper check.
Kelly Miller says
Will it be deposited to my Direct express card i use for SSI payments
Robert Farrington says
It should come in whatever form of payment you have setup at the SSA.
Trae says
i used a tax preparer had fees and a loan and i just got mines direct deposit on my chime card so not true
Robert Farrington says
That’s great to hear. H&R Block has directly said they don’t know if the Stimulus check will go on an Emerald Card (which is what the original poster asked about).
Amy says
What if my tax preparer checked the box for savings instead of checking . Which means it would get to my bank and it would be returned . Can I change that to checking somehow now through the irs website or call the irs??
Robert Farrington says
No that doesn’t matter. You’ll get a direct deposit into the account you provided as long as it’s a valid account.
Jackson says
Hi Amy, did this work out for you? I just did the opposite bonehead move myself today when setting up the direct deposit info – selected checking instead of savings.
Thanks!
Joshua says
Will they take out arrears for child support
Robert Farrington says
Yes they will.
candace miller says
Does people on ssi get the stimulus payment
Robert Farrington says
Yes, but it will likely require you to file a “simple tax return”.
Carrie says
Had there been any update on this, do Ssi recipients still need to file a simple tax return? Thanks so much!!
Robert Farrington says
Yes, as of now they do… The IRS is supposed to release more guidance and an online portal next week. We’ll see.
Gary H says
you need to stop lying to people you need to stop lying to people about them having to file a simple tax return that are on SSI they do not need to do anything unless they dependents under the age of 18 that they would claim on their taxes this also applies to people on SSDI we don’t have to do anything further .
Robert Farrington says
Did you read the article and the updates (with dates posted as when they change AND links to the IRS website to prove it)? Things have changed and they may change into the future – maybe you should read it before you leave snide comments. We’re delivering the information as fast as it’s coming out of DC. And your other comment about Forbes – check the author, I may have written it. I write there as well…
Rebecca says
If your on SSI will they deduct your monthly income because of the stimulus check?
Robert Farrington says
No, it will have no impact on your existing benefits.
Dawn says
My question keeps getting shoved around or avoided. I’m on SSI and ss. Does the stimulus check have to be paid back and how will that take place??
Robert Farrington says
No, that’s very clear in the article.
lrn2read says
Did you read the article.. it was ALL in there.
CrazyRN says
Omg thank you, every question was explained in the article if these people would just read it they wouldnt b wasting this guys time!!!
Bussey says
Thank you I was thinking to myself has ANYONE read the article lol
Janet Henderson Henderson says
My son was a dependent in 2019 but is not in 2020. Will he get the credit on his 2021 taxes?
Robert Farrington says
That’s a last resort. There will likely be some way to claim it before then, we’re waiting to see what the IRS announces.
Karen says
My question is similar, and please forgive me if u have already answered it. I claim my daughter in 19 taxes because she was still full time student. But she is done school and i will not claim her in 2020. Will she get a stimulus check?
Robert Farrington says
When she files her 2020 tax return, she can receive one if she was eligible.
Sandra says
These are the kind of folks that will ask you the same question all day long until you give them the answer that they want so that they feel they are justified or just to have someone to blame if it does not go their way but they think if someone told them that this is the way you need to do it so when their way blows up in their face you are the one to blame and not them
Beth says
What income is it based on? W-2? Total reported income including taxable IRA distributions, capital gains, etc?
Robert Farrington says
You total AGI.
Stacie White says
Will ssi and social security get stimulus check
Robert Farrington says
It’s in the article above…
Zack says
If i owe back child support & the irs will i get a stimulus check?
Robert Farrington says
In past stimulus checks, they’ve continued the offset program. No word on if that will change this year.
Jackie says
I owe back child airport but been paying on it for 5 years plus if my work is still open through all this will that stop me from getting it
Ashley Bales says
what does that mean? ‘they’ve continued the offsets’? does that mean they’ve given the person money even if they owe child support or they take it?
Jim Miller says
thats the question I have if you owe back child support will you still get a check?
Robert Farrington says
It’s not clear yet. In past stimulus checks, it would have been offset.
Dru Petruzzi says
We make just around 23000.00 yr. Will we recieved a stimulus ck? Do we have to apply? How will we receive it?
Robert Farrington says
See the article income limits and requirements.
Sherrell says
What is SSDI?
Robert Farrington says
Social Security Disability Insurance.
Angel says
Why wasn’t that question answered like every other question that has been asked that was in the article as well
Robert Farrington says
What question?
Sandra says
Robert these people need to maybe write it down the article write the article down over and over and over until it gets stuck into their head I’m talkin like 500 times small print OMG
Beth Rogers says
The IRS takes my money for owed taxes, will I still get a stimulus check?
Robert Farrington says
There will be no offset on the stimulus check.
SC says
But you aren’t sure if child support back pay with be offset even if we’re on a payment plan?
Sandra says
SC irs.gov maybe if you read it on a different site maybe it’ll sink in a little better try this website while you’re at it to irs.gov/ Coronavirus here is you another one to look at Indiana.gov/treasurySecretary
Feleci Pearson says
I haven’t worked in a long time and I am on food stamp benefits will I get a stimulus check
Robert Farrington says
There is no income minimum to receive a stimulus check. However, you may need to file a simple return or non-filer form to get your refund if you don’t currently receive SS, SSDI, or SSI.
Katie says
I haven’t filed my taxes for 2018 and 2019 yeah because I’m sure I’m going to owe well I still get the check
Robert Farrington says
Yikes! If you owe, you need to file. You’re going to face awful penalties the longer you wait.
Kurt says
File now! Put bluntly waiting because you know you’re going to owe money and you want to delay it is a fool’s errand.
Interest/fees/penalties are almost an exponential self inflicted punishment the longer you wait.
I did the same thing as you for some casino winnings in 2002, I ended up paying over nine times my original taxes in interest/fees/penalties alone.
Put another way, I paid 1000%, 10× my original federal taxes.
Joseph Bach says
If you owe child support arrears will you still get a stimulus check or will they take it??? Can anybody give me an answer on this????
Heather W says
NO…. no one can give you an answer yet because… just like its been stated about 1000 times already by those on here who actually read the comments… they haven’t SAID YET whether they will off set for back child support !! When the government decides whether they will or not I’m sure they will make that announcement and THEN and ONLY THEN will anyone be able to answer that question for you and the 5000 other people who keep asking and getting the same answer of “no one knows yet”. Is that as clear as it can be now ?? I sure hope so. But I’m also sure that very same question will be asked again by someone who doesn’t read anything.
Brad says
Do we gotta pay it back?
Robert Farrington says
No, you don’t have to pay it back.
Laura Staffeld says
If I’m living in a DV shelter with my kids and I’m separate from my husband. What would happen?
Robert Farrington says
It’s unclear, but it past years you could file a special return to claim your stimulus check.
Rich says
Any word on the offset rules ??
Robert Farrington says
Student loan offsets are suspended, but no word on others.
Lakita Simpson says
Did they say anything about unemployment offsets
Robert Farrington says
I haven’t seen anything about offsets other than student loans yet.
Mark H says
So that means defaulted student loans will not affect this check? Because they they took my taxes and sent me a check for 1 dollar. That was seriously uncalled for and extremely immature for a government agency???
Robert Farrington says
You should receive your stimulus check even if you have defaulted student loans right now.
Karen Floody says
If the IRS is already taking my taxes for student loan repayment will I receive a stimulus check and also will they take my taxes this year too?
Robert Farrington says
NO. There will be no offset on the stimulus check.
Now get out of student loan default this week – it’s never been easier to do it.
Sandra says
SC irs.gov maybe if you read it on a different site maybe it’ll sink in a little better try this website while you’re at it to irs.gov/ Coronavirus here is you another one to look at Indiana.gov/treasurySecretary
Sheila Turner says
I think this answers my question but I want to make sure I understand.
Does student loan offsets being suspended me they will not take this stimulus?
The Department of Education is getting $125 a month from my disability payments for student loans and they took my husband’s and my joint income tax this year. I was worried they will take this stimulus too. I applied by phone for student loan forgiveness based on disability but apparently did not get the paperwork to complete and send back.
I have tried to work on the ticket to work program but kept getting sick.
Robert Farrington says
There will be no offset on the stimulus check.
Now is the time to get out of default too. Payment suspended, no interest. Stop the madness!
Bobbye Delcambre says
Get in touch with NELNET. When I became disabled and started receiving my disability all my student loans were forgiven.
Robert Farrington says
Look at Disability Discharge.
R says
I draw ssi and never filed taxes will i receive a stimulus check?
Robert Farrington says
According to updated guidance, you will need to file a simple tax return.
David Meadows says
Has there been an update on Ssi requirements?
Robert Farrington says
Not yet. Our article is still up to date above.
Mat douangdala says
What if I havent filed neither 2018 or 2019 taxes yet?
Robert Farrington says
Why haven’t you?
Sandra says
Robert start telling everybody every single thing you owe offsets the stimulus money
I have to quit reading the stuff and get off here before I start pulling my hair out don’t know how you do it more power to you you have a good day Robert the best you can stay safe
Kim says
Are these funds considered a loan? Will the money need to be paid back to the Government by the individuals who receive it?
Robert Farrington says
No, they are a refundable tax credit. You will not have to pay this back.
Debbie says
If I filed electronicly with direct deposit but I changed banks since then and have a new bank..how will I get my stemulous check then..
Robert Farrington says
You’ll get a paper check.
Sarah Flint says
I did my taxes with H&R Block and got my taxes on an Emerald Card well my stimulus get put on my Emerald card or will I get a paper check
Robert Farrington says
You’ll likely get a paper check.
Sellie says
Read the information above. It answered your question
Dale Rice says
If I owe back child support, will I still get a stimulus check!
Mike says
Will childsupport offset my stimulus check?
Robert Farrington says
There will be no offset on the stimulus check.
Amanda says
If i filed taxes 2019 and the student loan took my taxes offset im not on a payment plan yet will i still get the stimulis check ?
Robert Farrington says
No, there will be no offset on the stimulus check.
CM. says
Good Morning . Do you know as of yet , if we owe back taxes and in installment agreement , if we are eligible for stimulus check ?
Robert Farrington says
Back tax offsets are waived for it.
Amber says
My 2019 federal return was taken by a Treasury offset for student loans, can I get that refunded now due to covid19 hardship?
Robert Farrington says
If it was taken after the March 13 declaration of emergency, yes. If prior to that, no.
Vanessa smith says
If u filed ur taxes and ur deposit was send back for the wrong acct had the right numbers for my saving . Rejected because they put it in checking. So they had send me paper check. So I get ssd fromsocial security. So will my money come in my acct. Or a check.
Robert Farrington says
You’ll get a paper check.
Kara says
My only income is disability and I am not required to file income taxes. Will the government just use my bank that I get my disability check directly deposit to it or would I need to file taxes
Robert Farrington says
Sadly, the IRS announced yesterday you will need to file a simple tax return. It’s quick and only takes minutes, but it is an additional hurdle you need to go through to get your stimulus check.
Tawanna Parlor says
what day will they post the SSA, SSDI, SSI rececipions who did not file a income tax but already have direct deposit come. The request is for a calendar date of when to expect the payment. We expect payments. We are living broke no matter how wealthy.
Robert Farrington says
The estimates are early May.
Sandra Childress says
Do the disabled get a check
Robert Farrington says
Subject to the rules above, yes.
era A lindsey says
I don’t see anything about SSI or social security or disable all I see is u have to file taxes to get it people on social security don’t file taxes so how they gone get it
Robert Farrington says
Read the section about it… you will require to file a “simple tax return”.
Caryn says
Is anyone here bothering to read the whole article? For God’s sake stop asking the same questions over and over when the answer is in front of your nose.
Diana K McManus says
I had to quit reading the questions….I don’t think ANYONE read the article..ALL of their questions were answered there..
Nancy A Brown says
You obviously didnt read the article!
Caryn says
I have never, ever seen such ignorance. PLEASE read the entire article. All your questions are answered.
Mark says
I agree. I can’t believe this person has to answer the same few questions over and over.
Daisy Cruz says
That sound good I hope I get a check I’m not working I don’t no till wen I’m hoping I go back April 20 I’m a bus matron I got rent to pay this will be great
Helen says
I have direct deposit but my 2019 tax return came in a paper check. Will i get my stimulus payment thru direct deposit or by mail??
Robert Farrington says
Likely paper check as well.
Cherie Jerkins says
Good Evening I wanted to ask about people who are on social security and disability do they get a check to and how much?
Robert Farrington says
Subject to the rules above, yes.
John Darrell says
What are the rules fo people on SSI &SSDI?
Robert Farrington says
It’s in the article above!
SSI – appears to have made it to the final bill, but we need to see.
SSDI – does qualify.
Kevin snyder says
I’m on ssdi I. Do I get a check
Robert Farrington says
According to what is currently proposed, yes.
Sondra Cornett says
Wow people! Read the article!!!
Keith H. says
Holy Crap, is anyone actually READING this damn thing? I am on SSDI and I learned that I qualify for this payment due to READING the article, I have no questions. Pay attention people. Surrounded by morons….we are doomed.
Nicole Cates says
What about the people here in limbo,no taxes,filed for ssdi but do not have a answer. Will they be receiving a stimulus check?
Robert Farrington says
Limbo? I’m not sure I understand what you mean?
Carrie says
I think she is saying she is waiting on a decision on whether she will get Ssi or not. She needs to go to the ssa website and there’s a way to get a fast decision under certain circumstances.
Laurie says
2018 or 2019 tax return? I heard 2018 as some like myself are waiting to hear from tax accountant? And yes I’m due a refund. But her husband has cancer and she is behind?
Robert Farrington says
As of today it’s only 2019 tax returns. They changed it, but it could change back…
Daniel Barnes says
What if you didn’t file taxes will you still get one
Robert Farrington says
One of the requirements is to file a tax return for 2019. They may extend it to include 2018, but you still would need to have filed one this year or last year.
Brandy Jones says
Since i filed last year for 2018 would i get a check also me and my daughter are living with my parents and i really need my own place again please help
Robert Farrington says
Right now, the law says you need a 2019 tax return filed.
Bernadette Hartman says
If I only have income from a 1099-r
Do I qualify
Robert Farrington says
It’s based on your AGI.
Sara Herrmann says
The filing year is very important to me… only because their father claimed our 2 children as dependents in 2018 and I filed them as dependents in 2019.
Sheila says
I did not file a 2019 tax return because I stayed home to care for my child. So I did not work last year. Will I still get a check?
Robert Farrington says
The easiest thing to do is file your taxes now with little/no income to report.
However, if it’s like 2007, chances are the irs will create a special form to file with your tax return for next year to claim it.
Cherice G says
What if your Dependents are 18 and over college students
Robert Farrington says
Nothing sadly.
Robin Michaud says
What about 17?! I keep reading 16 and under but nothing about 17 year old dependents
Robert Farrington says
Under 17 means 16 years of age or younger. There’s a good comment a little higher up that breaks it down further.
John Boeck says
I am retired and became a widower. My income is 32,000. Will I qualify for a stimulus check?
Robert Farrington says
Yes, as of the current proposal, as long as you filed a 2019 tax return.
Russell says
If someone owes back child support would they still get the stinulas check ?
Robert Farrington says
In past years, you’d still have the offset. However, they are discussing avoiding it. More to come.
Jean says
Where can I see where this is being discussed?
Robert Farrington says
Literally all over the internet? News sites? Blogs? Google it?
Sheila Maglicco says
I haven’t yet to find where it discusses if someone owes back child support and has lost their job due to this virus will receive a 2020 stimulus check to financially help them. Please advise
Blaine says
Read the article it tells you all anyone knows at the moment. Until the final bill is voted on and passed there really are no answers. A lot could change between now and Friday.
Key says
What if they owe back child support?
Vanessa Stevens says
I filled as single however i have myself and my boyfriend who did not file and children… How would i recieve for him who was not on my return and how would my mother receive who is on social security and did not file.
Robert Farrington says
Why didn’t you claim your children? Why didn’t your boyfriend file a tax return?
You need to fix these issues so you can get a stimulus check in the future for them.
Jessica says
If I didn’t file my taxes yet dis year but I’ve done so last year do I qualify
Robert Farrington says
Maybe. Right now it’s just 2019. They are proposing 2018 counts, but it’s not official yet.
M.D says
Irs took my refund the past 2 years will they take this away too??
Robert Farrington says
That’s called a tax offset. In the past, tax offsets have remained… it’s unclear if they will waive them for this.
Why are you getting your refund garnished?
Tiffany says
Could you explain what this offset means? Does it mean that you won’t get this check and that it will just apply to what you own in past taxes?
Robert Farrington says
An offset is where the IRS takes your refund or check to pay a debt (student loans, tax, child support, etc.).
Kellyne Phaurestal says
Student loans
Robert Farrington says
You’re safe. Now get out of default this week so this stops happening.
Jay says
Student loan in default
Robert Farrington says
Student loan offsets are paused. See this: student loan tax offsets.
Brooke Dedie says
If I received my tax return as direct deposit should I expect to get my stimulus check the same way?
Robert Farrington says
Yes you should!
Lolly says
My elderly father passed away in April 2019. Social security was informed immediately, the death was also noted on my mom’s 2019 taxes that we filed in February- yet she still received the married stimulus amount of $2400. Should she send them a check back? Will she be in violation if she does nothing. How do we inform them of the error? Thank you for your assistance!
Robert Farrington says
It’s unclear right now. We believe you’ll correct the error when you file your 2020 tax return.
Jason says
What I gather from that article is that Student Loan offsets are paused/refunded if they were in “pending” status as of March 13. If I filed early, does that mean no refund or can my tax return be amended and reprocessed?
Robert Farrington says
No, sadly…
Gregory G says
They have paused all tax offsets if you have filed you tax return after March 13th this year! You will get your tax refund and your stimulus check but I suggest you fix why they have been taking your money in the first place. Don’t listen to the idiot above giving out false info left and right because he feels entitled since he found out he is getting a check. Richard stop giving false info!!!!!
Jessica T. says
Do you happen to know, if I owe the IRS for back taxes and I filed my 2019 tax return on 3/26/20 will I get my tax return because of this bill? Or is it that are they only giving people their returns (when usually they would keep them) if it’s because of student loans in default?
Robert Farrington says
No, all offsets were waived except for child support, so you should receive your check.
Larry Tabler says
Why do they make it so complicated oh yes it’s the government
Elizabeth says
What if my son is 17 will he get his own check? He did file in 2019 he works part time
Robert Farrington says
No.
Sherry says
What if you got your 2019 on an emerald card but this year you did direct deposit
Robert Farrington says
You will receive a paper check for your stimulus check.
Derek Pyatt says
I didn’t fill taxes last year but I did this year,do that count?
Robert Farrington says
As of the bill proposed, no. They are asking 2019. However, there are proposals for 2018 to count, and for it to simply be counted in 2020 when you do your taxes. We will see.
Timmy says
Robert Farrington you sir, are a patient, patient, man for being able to calmly answer these same moronic questions over and over. I found myself ashamed for America reading all that bad grammar and spelling too. Wow.
P.S. so when do I get the check then?
Robert Farrington says
Probably in May.
Jenn says
Patience is definitely a virtue. Please READ the article. So many wasted, dumb questions
( and yes, dumb – these people either don’t understand the English language or chose to take the East way out and have someone read it for them
Caryn says
I feel the same Timmy. Unreal how many ignorant people there are in America. I never knew. READ THE ARTICLE. ALL OF IT. Stop asking STUPID questions. The answers are all above. I need a drink.
Gregory G says
Go on the IRS website and change your info to receive it via direct deposit to your bank account.
Kala says
Ready for some relief thanks for the information ?
Summer says
How do I change my address with the IRS? And do you know how long the checks will take?
Robert Farrington says
As of now, you can use the link above in the article to change your address.
The IRS is saying that direct deposits will hopefully come in about 3 weeks. We think that’s pretty aggressive and most should expect something in May.
F.tanesha says
So someone on SSI would be able get the help too
Robert Farrington says
SS – Social Security Retirement Income
SSI – Supplemental Security Income
SSDI – Social Security Disability Insurance
Michael says
Can you tell me how you know this information? I am on ssdi and raise three kids under 12 but not taxes filed. Should I file taxes to get this?
Robert Farrington says
It’s written in the bill that Congress is voting on and negotiating. I read it (along with about a dozen analysis of it).
Heather w says
I love how people keep questioning your knowledge when they could have researched all this stuff themselves with a few Google searches and done very long winded reading sessions of the bills being looked at… but they didn’t want to do that.. they want you to do the dirty work and then question you when it doesn’t go their way. Why did they name it “common” sense when it’s so uncommon ?? This comment section is filled with people who should have googled answers for themselves. They need the education.
Ron says
I am on ssdi & have NOT filed income taxes (per my tax return agency) because I made less than 25,000 yr. Will social security send my info for stimulus return or do I need to do something? Thank You
Robert Farrington says
Yes, the SSA will handle it if you’re not required to file.
David R Lyman says
File asap!!!
Marion says
I have a son that’s 17 he worked 2019 part time but I filled him 2018 & 2019 will he receive anything ?
Robert Farrington says
If he’s a qualifying child, you’ll receive a check. He won’t.
Ty Johnson says
After an agreement have been made, how long will it take to start receiving the check?
Robert Farrington says
In 2008 it took about 2 months before people started getting the money. We’re hoping it’s much faster this year.
Crystal Henderson says
If I did not work long enough to file taxes will I receive a check
Robert Farrington says
In 2018 or 2019? You could still consider filig?
Denise says
What happens with individuals who owe the IRS?
Robert Farrington says
They should waive the offset, but we don’t have confirmation of that yet.
Jewel says
Have you gotten any word on if someone who always owe IRS; if they will receive the stimulus check.
Robert Farrington says
In past stimulus checks, they’ve continued the offset program. No word on if that will change this year.
Chris DiDonna says
Hes answered this sames questions about 75x
Gina says
Mr Robert..You have the patience of a Saint !..Thank you for answering every question (over and over) …Stay Safe…
Caryn says
Thank you Robert Farrington for answering over and over the same questions. I wouldn’t be as kind as you are being nor as patient.
Jennifer Hutchinson says
I don’t understand what “waive the offset” means. I owe a lot of back taxes to the IRS and am in a payment plan. Will I get a check?
Robert Farrington says
There will be no offset on the stimulus check.
Vellia Tipton says
What happenedif I haven’t done taxes at all an sent in my 2020 census will I still get a check.
Robert Farrington says
The bill says if you’re required to file a return you must have your 2019 completed. Get it done!
Joel Beckler says
Even if little or no income? Is it possible for boyfriend to file his taxes without a w-2 or 1099 and if so and he does right away how do we know if this is the actual bill announced tonight or just anprooosal if what we thought was coming?
Robert Farrington says
Yes, even with little income. He should file his taxes tonight. It takes about 20 minutes if you only have a W2. See our recommendations for the best tax software here.
JoAnn Dunaway says
I’m not filing until I have too so will I get a check since I haven’t filed yet .
Thank you
Robert Farrington says
No. You must have a tax return filed. It’s unclear how late tax filers will be impacted.
Val says
Would people who receive social security benefits be eligible to receive this check?
Robert Farrington says
As of today, the language doesn’t include a minimum income, and social security retirement income and SSDI counts as income for it. So yes, as long as you meet the other requirements.
Latoya says
So when we know 100% for sure they are going to pass this, and not deny it again?.
Robert Farrington says
They likely will vote down a few more times, negotiate a bit more, but by end of week something should pass.
Nothing has changed substantially with the stimulus payments to individuals, but we will update this as anything changes, so bookmark it.
Until then, you should take action in terms of getting your tax return filed, making sure your contact information is correct with the IRS, and making sure you have a checking account ready to go.
Latoya says
Thanks for responding back to me, I’ll be looking forward to an update sometime this week , and yes I’m all set with the other things!!
THANKS AGAIN, TAKE CARE!!!
Alice Heaslet says
I was on. SSDI last year and didn’t get a stimulus check and now I on regular social security. I hope I get one this year. I’m a widow raising a granddaughter granddaughter
Candace says
Hello, I received direct deposit on my 2019 tax return. Will the stimulus check also be direct deposited? Also, my mailing address changed since my 2019 tax return. How do I update my new address?
Robert Farrington says
Yes, direct deposit. See the article above – it has instructions for updating your address.
David R Lyman says
Actually the Democrats have held it up, trying to get more for workers. The republicans had earmarked big time bailouts for corporations with little oversight.
Tracy Jackson says
Can i receive a paper check instead of using my Direct Deposit when i filied my 2019 tax return
Robert Farrington says
According to what the IRS did in 2008: If you designated direct deposit on a tax return, the stimulus payment will go to the account number you designated. If the account number is no longer active, the IRS will send you a paper check. This process may take several weeks.
Mimi Iwelu says
I just wanted to say thank you to Robert Farrington for your time, and all the great information you’re providing people. Including Q&A. You’re doing the community a great service. Great job! God bless.
Robert Farrington says
Thanks! I appreciate it!
E.Bender says
Yes you should be thanked a million times over. You answered the same questions 50 times because people are not reading the q&A . Before posting there questions.
Thank you for all the info And God Bless You and America. Stay Safe.
Robert Farrington says
Thanks!
Madine R says
And I concur with E.Bender’s response.
Sean Clark says
They put my 2019 refund on my hr block emerald card so will the stimalus check go on there direct deposit
Robert Farrington says
No, it will go via paper check. Please consider getting a free checking account.
Tessie Mae Hardin says
What if you filed your 2019 and have to prove your identity to receive your refund will you still get the stimulas check?
Robert Farrington says
Yes, identity theft verification shouldn’t make a difference.
Leon says
I filed my 2019 tax return and received a loan do I get my paper check instead of direct deposit? Leon thanks
Robert Farrington says
Yes, paper check.
Jonathon says
Will full time college students who did not work in 2019 get a check?
Robert Farrington says
Likely not if you didn’t have earned income.
Holly says
If I am a full time college student, but my parents claim me as a dependent, will I get a refund? I have filed my taxes for both 2018 and 2019.
Robert Farrington says
No, people claimed as dependents won’t get it.
Jj says
So if you did direct deposit for your taxes should we expect ours alittle sooner?
Robert Farrington says
Yes, it likely would come sooner.
Keith McGohan says
I’m not finding the answer that I’m looking for. I’m on SSDI and make $20,000 yearly. Direct deposited. In bold letters on my W-2 that I receive yearly it clearly states if this is your only income you don’t need to file a tax return. I don’t file so I don’t have a tax liability. What exactly does this mean for me!
Robert Farrington says
According to updated guidance, you will need to file a simple tax return.
Sharon Cunningham says
Mr Farrington
I receive SSDI how would we receive our check
Robert Farrington says
According to updated guidance, you will need to file a simple tax return.
Stephanie Baldwin says
I’m a little confused I’m ON SSD, so your saying I have to file taxes to get the stimulus check?
Robert Farrington says
According to updated guidance, you will need to file a simple tax return.
Crystal Henderson says
If a person is on workmen comp will they receive a stimulus check
Rebecca says
I file taxes as a head of household; I have 2 children ages 19 and 20, who are full time college students. I made under the 112,000 cutoff. Will my kids get the stimulus money?
Robert Farrington says
No, if you claimed them as dependents they will not get any stimulus money (if the language stays the same in the bill).
Jennifer Smith says
The bill says children under 17. Both my children are over 17 but I claim them as they are full time students. They both work and filed their 2019 tax returns. Will they get a stimulus check?
Robert Farrington says
I don’t think they will based on what we’re seeing right now.
Jennifer Harlan says
If a child is over 18 and still in school would we get the 500 dollars for them?
Robert Farrington says
If claimed as dependent, no.
Beverly says
Hello Mr. Farrington,
I have not been able to find a complete answer to my questions concerning my grandchildren. I hope you can find an answer for me.
I am permanently disabled and receive SSDI monthly, but I also have legal custody of two, dependent, grandchildren under the age of 9. I’ve read that the Social Security Administration will use their information to distribute the Coronavirus Stimulus Checks. I was wondering how would the children receive their portions of $500 each? They receive assistance (cash & foodstamps), from the State Department of Public Welfare, so will their information from this source be used to distribute their portions of the Stimulus?
Thank you for your help.
Robert Farrington says
First, the IRS announced yesterday that they won’t use the SSA information and you need to file a tax return. This works for your favor, as you can claim the grandchildren, and they should be eligible children under the CTC guidelines. That would ensure you get the full credit for yourself and for them.
Jorge t. says
If my 2020 taxes are still been reviewed by the IRS ,would that
Affect me getting a check??
Thank you Robert..
Robert Farrington says
It shouldn’t impact you.
amy says
What if I claimed my 19 year old child that is in college, and she filed her own tax return as well??? She works as well.. Will she get her own check???
Robert Farrington says
She will not get anything.
Dianne Kennedy says
I have a question I do not file income tax because I dont make enough money so therefore I will not get a stimulus check? I only make $885 a month. Please reply
Robert Farrington says
There’s no “lower limit” to filing a tax return. I strongly encourage you to do so – it’s free and takes about 15-20 minutes.
Cierra says
I filed and got my taxes back on a turbo tax debit card, would the check go onto that card or would I get a paper check?
Robert Farrington says
Paper check.
Doug says
Mr Farrington. Never, ever have I seen someone with the patience that you possess!! Amazing!
Robert Farrington says
I appreciate it!
Sarah Montano says
What if we filed but we recieved a letter from the IRS saying ours are refund will be delayed 90 days due to double checking everything is accurate?
Robert Farrington says
You still filed, you should be fine.
Mechel says
Let me ask in a different way, would me and my son who is 7 years old who is receiving social security benefits would also get these stimulus check?
Robert Farrington says
As of today, beneficiaries are not eligible for payments.
John says
Any word on the offset program yet? I owe restitution to the IRS. I doubt they waive that. Lol.
Robert Farrington says
Not yet. They didn’t waive it in 2008, but I believe they did in 2001.
Tboy says
If I got my tax return back on a prepaid card would I get this money back on prepaid card or check?
Robert Farrington says
No you would receive a check. I strongly encourage you to get a free checking account and avoid prepaid cards in the future. It’s risky.
Zornae Sepulveda says
Will stimulus check be taken for child support???
Robert Farrington says
We don’t know yet. In past years, offsets would apply and they would take it. However, they are discussing waiving offsets.
Vrronica says
I have not filed my 2019 taxes yet…will that delay me stimulus?
Robert Farrington says
There are mixed proposals, with one allowing your 2018 return to count, and one to report on your 2020 return. Right now, the main one says 2019. We have to wait to see.
Jessica says
So what if a person was claimed as a dependent on taxes because they don’t work and receive all they’re help from the person that claimed them, the dependant doesn’t get a check right? Only the one that claimed them?
Robert Farrington says
Correct, dependents don’t get a stimulus check under the current proposal.
Lana says
But will we get the $500 for the college student?
Robert Farrington says
Not if they are not a “qualifying child” – so over 17.
Robbie L Schug says
I filed my 2019 taxes and money went on to emerald card will stimulas check go on my emerald card?
Robert Farrington says
No it will be sent as a check. You should strongly consider getting a free checking account online for the future for not just this but for future payments.
Tina says
I was told I didn’t have to file I get SSDI … so what would I have to do
Robert Farrington says
According to updated guidance, you will need to file a simple tax return.
Norry aung says
Only us citizens will get this stimulus
check?
Robert Farrington says
If they use past criteria, you must be a U.S. citizen or resident alien and have a valid Social Security number.
Thomas Farham says
Is the $70,000-$99,000 for a (single no children) amount that you made in total before taxes were taken out or what you actually got to take home after taxes were collected? What part of the W2 are they looking at for that amount?
Thomas Farham says
I made $99,112 for 2019 but I probably had to pay about $30,000 in all tax types so I probably actually made $69,112 take home. Which amount counts? The $69,112 i got to physically keep or the $99,112 that I made but wasn’t yet taxed?
Robert Farrington says
It would use your Adjusted Gross Income (AGI) from your federal tax return. Look at page 1 of your 1040, it’s like 8b.
Josh says
My wife has defaulted student loans that I have to file the injured spouse form every year for. With stimulus checks in 2008 I know they took the money that was supposed to help people and stole it to go to those student loans. Is it the same this time or will they waive the offset and we will actually get help? Or will only I get the stimulus help since my loans are not defaulted?
Robert Farrington says
They are discussing waiving the offset but it hasn’t been finalized yet.
Josh says
Thank you for your reply.
May I ask where you are looking to find the information showing this? Or are you reading the bills directly somehow?
Robert Farrington says
I’ve looked at the bills (they are published online and on various sites like NPR), and I’ve looked at the past IRS guidelines for the 2008/2009 stimulus checks to see how they were handled logistically – since most of these questions are logistics 🙂
Jennette says
Robert, did you find out what’s going on with student loan withholdings/offsets? Would it be different for those that have filed as “single” in the past few tax returns?
Robert Farrington says
There are no offsets for student loans right now for taxes or the stimulus check.
Nicole Caffey says
I went through Taxslayer and had my 2019 tax return direct deposit. So will I receive a paper check?
Robert Farrington says
No, you’d get a direct deposit. Why would you receive a paper check?
Douglas says
I’m curious about this too as the direct deposit from taxslayer when having the fees taken directly out of the refund. Gets deposited through a third party bank then transferred to your bank account. So in short the direct deposit info for federal on taxslayer shows a third party bank that then forwards it to your bank account.
Robert Farrington says
You’ll likely get a paper check.
Lauren O'Neill says
I checked the get my payment. And it says nothing at all?
Robert Farrington says
Did you file a tax return, and were you required to?
Candy says
I have kind of a silly question I am actually awaiting my disability decision, what I’m wanting to know is even though I have not filed taxes for a couple of years will I still get one or is it just for the working community I read the article and I guess I’m just genuinely misunderstanding It?
Robert Farrington says
Tough spot. I don’t have an answer for you. Based on the bill, SSDI recipients would automatically be processed. But since you’re not approved, I can’t tell you one way or another.
Teniliea Caldwell says
I filed and I filed electronic like I usually do however my refund still processing due to identity verification,will I still receive a check?
Robert Farrington says
That shouldn’t be an issue.
Aleanblount says
What if you owe the department of treasury are they going to take it
Robert Farrington says
In the past they have. We don’t know if they will waive that this year.
joseph lamar says
I use a netspend card for all my banking i filed my taxes but they took them because i owed the irs will i get a check and will it be direct deposited on my netspend card like my return was supposed to?
Robert Farrington says
As of now, they are still discussing whether to waive tax offsets or not. If they do waive them, you’ll get a paper check.
Evelyn Fay Holladay says
I have been using NetSpend card for years I draw social security disability which has turned into retirement now at 67. Why won’t they use my information on file? Social security sure doesn’t have a problem depositing my money every month for years.
Robert Farrington says
They exclude financial products from it. No idea why. A checking account is recommended anyway for your financial security.
Tasha .C. says
If the father filed some of the kids and I file some, but they live with me although he help financially with them. Will I receive money for all kids or just the ones I filed.
Robert Farrington says
You would each receive who you claim.
Carolyn says
Ok what if you filed your 2019 tax hoh and 2 children dependents an you got aduit by the IRS and sent everything they requested and you haven’t heard anything from the IRS/haven’t received your income tax. Would you receive the check for you and your kids???
Robert Farrington says
Yes, you should get your check if you qualify.
Hien Aceron says
I haven’t filed my taxes for 2019 yet. In 2018 I claimed my 22 yrs old son College student as a dependent. My son has filed his 2019 tax return as an independent with $65k. I will not claim him as a dependent when I file my 2019 taxes. Will my son still get a stimulus check?
Robert Farrington says
He should.
Aisha Simon says
Is there a certain amount I should have made to receive the stimulus check? If so, what if I made less than that amount?
Robert Farrington says
There is no minimum in the current proposal, but that could change.
Robert martin says
I filed a return for 2019 but i only made $630 for the year, will i get a check? And also a 2nd question, 2019 was the 1st year i filed taxes and they sent me a letter asking me to send a copy of my w2 and my i.d. to prove my identity and still havent recieved my check, will that matter?
Robert Farrington says
Yes, you should get a stimulus check under the current proposal.
Katherine says
So question if someone is in debt and the IRS takes your refund does that mean they will take this money?
Robert Farrington says
Yes, in the past years they’ve done this. That may change this year.
Why are you subject to an offset? If for student loans, now’s the time to get that fixed.
Jeffrey Exum says
Will Federal,State & Municipal workers be entitled to the 80 hrs. Paid leave only after using in existing benefits or as additional benefits to what they have currently?
Robert Farrington says
These are additional benefits. I can’t tell you how they will be used in conjunction with your existing benefits.
Angela Williams says
I received a letter saying my income tax was under review and to wait 30 days for a response before contacting IRS it’s been well over 30 days however I’m on unemployment that should be ending in a week will I qualify for the stimulus as well as an extension on my unemployment?
Robert Farrington says
You should qualify if you meet the criteria above.
Adalberto Mojica says
I already filed and received my tax return through direct deposit but there’s an issue I had it to close my bank account do to not being able to work for a month-and-a-half I do Uber and Lyft but because I am diabetic and it’s more risky for my health issues on catching the coronavirus a fear on doing my job and I am very behind on bills and my rent I do have a wife and my 4 kids
Robert Farrington says
If your bank account is closed, you’ll get a paper check.
Lisa A. Brubaker says
I file income tax in 2019 and student loan took my receiving I would like to be able to receive my stimulus chk and it not go to student loan what do I do so this does not happen?
Robert Farrington says
You need to get your student loans out of default. Now’s the best time to do it thanks to the student loan coronavirus programs available.
Get out of default and save your money from going to garnishments!
Ana says
My question is will we have to pay that money later on? Will it just be an advance on next years taxes?
Robert Farrington says
No. None of the proposals require repayment as of now. Some are considering it a tax credit to be claimed in 2021 for accounting purposes, but that’s to be seen.
Coco says
What if your tax refund went to your tax preparer an not on a card or in mail whould it to to them or your address.
Robert Farrington says
You should get a paper check.
James says
If i filed my return for this year but was receiving $0 because i was unemployed due to my health would i still recieve a check
Robert Farrington says
Yes, there is no minimum income.
LeslieAnn says
Would I be able to ask for refund reversal or forgiveness, if my taxes were taken for student loans. I was hoping to receive my check this year, first time I’ve been able to file for years. Since, I’m able to work because of illness, I was suffering prior.
Robert Farrington says
Tax offsets for student loans have been stopped, so you should still get your stimulus check if you qualify.
You may have other options for your offset if it happened after March 13. See this on student loans tax offsets.
Kim Burch says
I filed my kids (5) on my tax return, would I receive payment for all 5?
Robert Farrington says
You should if you meet the requirements outlined above!
Elizabeth says
I filed but have no dependents but was recently laid off due to virus. Will I receive one. And my income tax came on the Chime card will that also be used if I was to receive a check. Thank you
Robert Farrington says
You’d be receiving a paper check.
Mike says
Are they basing this on the 2018 or 2019 tax return? I claimed my child in 2018 not 2019.
Robert Farrington says
The law that’s being discussed and voted on says 2019 return.
Daren says
The current version allows looking at 2018 return. My question is on qualifying child, on my 2018 return he was under 17, but currently is not. Which info will they use for the $500? Will we get that for him?
Robert Farrington says
I doubt it, especially since it’s a 2020 tax credit and you’re going to have to report it on your 2020 tax return next year. So, even if they did send it, they’ll probably claw it back.
Yvonne evans says
I use greedot to file my taxes would the check b direct deposit in to my green dot account
Robert Farrington says
You’ll get a paper check.
Sue Wilson says
I just received my last document for 2019 filing. Because of the stay at home I was waiting to bring my tax documents to my tax preparer. I am living off my dwindling 401k for last couple years and qualify this year for SS. Should I get my tax documents I immediately or is it to late to get stimulus money?
Robert Farrington says
I would strongly recommend it, especially if you’re due a refund.
Lisa says
We are being foreclosed upon and about to lose our home due to less working hours. Is there a way to stop this
Robert Farrington says
There are talks to stop foreclosures. You should call your lender and say “I’m impacted by coronavirus” and see if they will pause for a bit.
Rosetta says
So you saying, my mother, who is a retiree need to go ahead and file a 2019 tax return, in order to received a stimulus check,
Thanks,
Rose
Robert Farrington says
If she gets Social Security retirement income and doesn’t make enough to file taxes, According to updated guidance, you will need to file a simple tax return.
Charles vinosky says
well check be drect deposit go on my emerld card from hr block?
l
Robert Farrington says
No, you’d receive a paper check. I strongly consider you get a free checking account instead of using prepaid cards. Much safer.
Vestella J. says
As I did file a 2019 tax return and received the Jackson Hewitt Serve card as a for of direct deposit, will I receive the stimulus on there or a paper check form? Thanks in advance
Robert Farrington says
You’ll get a paper check. You should also consider getting a checking account ASAP to protect your money more.
Niv says
I heard that we have to repay that money with our 2020 tax return
Robert Farrington says
It will likely be a tax credit (refundable) so you don’t repay unless your status changes – for example, if you actually exceeded the income limits, etc. But the language is still in debate on that part.
C marie says
I filed thru turbo tax and had their fees taken out of my refund then direct deposit will i receive a check or direct deposit? Also. If they dont waive the offsets my husband owes back child support will they take it all (2 adults and 2 kids) or just his part?
Robert Farrington says
Check.
If they don’t waive offsets, you’ll lose it.
C marie says
Is there a way to file anything to get mine and the kids share or they just get to take it all if they dont waive offsets!
katesha S hollman says
If your child receives survivor benefits from social security will they receive the stimulus as well?
Robert Farrington says
No, beneficiaries won’t receive a stimulus check.
T D says
What if person receiving stimulus check passes away of covid before cashing it. Can their estate do so?
Robert Farrington says
Yes, the income would be a part of the estate.
Kristen says
I just want to make sure that I am clear and answer question that my children are having. I am well under the income level. I have two children still in high school and I have two in college. Will the two in college be able to receive the stimulus check since I claimed them on my return in 2019 as dependents? And if they would not get the check will I get the amount for dependents even if they are over 18? Thanks in advance
Robert Farrington says
Dependents don’t get a check.
It’s unclear the definition of a child at the moment. More to come on that front.
Sam says
They defined a child as anyone under 17. My parents claimed me as a dependent since I am in college, but I am 21. Am I basically SOL for a check?
Robert Farrington says
Sadly you are.
ELLEN MEISTER says
I understand the yes & no answers to dependants >16yo. I don’t understand the why. It’s as if 17 is a magic age at which you depend on your parents, but cost them nothing. Could you shed some light on this seemingly arbitrarily designated group of disqualified people? Are they supposed to be hunting and gathering to provide for themselves? I’m still buying food, deodorant, laundry supplies; paying for water, electric, internet & cell phone;
AND scrounging & saving for college (if that’s still a thing) in the fall. Can someone please help me to understand why no coverage for these lost boys!?! It’s bad enough senior year is basically cancelled and the class of 2020(-2018ish) has become involuntary hermits… they’ve also become invisible non-humans, with literally an apparent value of $0
Apologies for the rant, thanks for any help. And all the patience!
Robert Farrington says
Good rant. Welcome to the world of taxes. They choose an arbitrary number/rule using the existing tax code for the child tax credit (which is the cutoff). You had to pick a number somewhere, using existing rules, and this is what you get.
Michael Skinner says
Nobody is talking about veterans who recieve and live on monthly disability benefits. What about us?
Robert Farrington says
See the article.
If you’re concerned, speak to your Congressperson ASAP.
Miguel Hernandez says
I’m a uber driver and we are consider independent contractors and I file my taxes that way. Had to pay the irs this year. Do we qualify for a stimulus check as well?
Robert Farrington says
Yes, if you meet the income requirements.
A Brown says
Also what about the small business aspects of this bill? If you filed business taxes, what is the status if this plague impacted your business?
Robert Farrington says
See the FFCRA section above. Some good benefits, like payroll tax credit. There’s a lot more there, but we’re focused on personal finance here (for individuals and families). There are a lot of blogs on the business aspects of the SBA loans and other options.
Linda says
Will they be using the account number for deposits from the 2019 or 2018 tax return? My account from 2018 is closed but the one from my 2019 bank account is current. Thanks for all the info and answering questions.
Robert Farrington says
Your most recent return.
Rikera Watts says
My taxes were taken due to student loan debt this is the first year it has ever happened. Will i still receive a check and is there anyway i can get my original refund back?
Robert Farrington says
In the past, you’d also still lose your stimulus check, but that may change.
No, you cannot get your past money back.
You need to get your loans out of default. Now’s the best time ever to do it as there are so many helpful student loan options for Covid-19 impacted individuals.
Get out of default right now, follow this guide: Get out of student loan default.
Michael R Hall says
I filled head of household and claim my mother in law because I take care of her would I receive extra money on her..and she gets SSI check does that matter thank you
Robert Farrington says
You would get a check if you qualify. Dependents (those claimed as a dependent) are ineligible.
Veda says
If i filed through a tax company and did a tax loan and received a check from them both times one for the loan and one for my return but on my tax return it had direct deposit into they business account will i receive a paper check because it’s not my personal account?
Robert Farrington says
You would receive a paper check.
David says
I take care of a person who’s adult daycare was shut down due to the covid-19 state guideline . if i stayed home to care for her would my employer hold my job or can they terminate you for having to stay home and care for a loved one?
Robert Farrington says
You can qualify for an emergency FMLA leave. We’re not experts in it but your employer should offer leave (even small employers).
Janet says
I get widow pension from husband and I get through social security and I have two kids would I get a check I also didint do a 2019 tax return cause i was told i didn’t have to file taxes on social scurity
Robert Farrington says
In the current rules, Social Security beneficiaries don’t qualify for that income.
Veronica Caudillo says
Are these checks a loan? Do we have to pay this money back?
Robert Farrington says
No, they aren’t a loan. They will likely be a tax credit. You’ll have to report it on your 2021 taxes, but since it’s a credit you won’t have to pay it back.
Roy says
I’m a 25 year old graduate student who is still considered a dependent as I get my health insurance through my parents. However, I don’t live in the same city as my parents and I pay for rent, tuition (federal loans), food, gas, etc. on my own. Under the current bill, will I not get a stimulus check?
Robert Farrington says
If you’re a dependent on someone else’s tax return, no, you won’t get a check.
KarenB says
If you’re 25 (and were at the end of 2019) it’s not likely you would have been your parents’ tax dependent for 2019 regardless of whether or not you’re covered by their insurance. Insurance coverage is not the determining factor for tax dependent status.
ScottV says
Karen is absolutely correct. My question is that my son turned 25 in 2019, but was a dependent in 2018. He only recently filed his 2019 tax return (payment from IRS on 4/9), but “get payment” status is showing he doesn’t qualify so they must have used his 2018 taxes due to when he filed his 2019 taxes. Will the IRS go back and retest for 2019 tax filers that didn’t qualify under their 2018 tax return?
Robert Farrington says
No, they won’t go back. You’ll correct any errors when you/he files his 2020 tax return.
Debra Greene says
Will taxes be taken out of stimulus checks?
Robert Farrington says
No, but it will likely be treated as a tax credit next year that you claim. Still free money (since it’s a credit).
Maggie says
I’m recieving SSI benefits and I’m confused on why people recieving SSI are not able to get a check. It is so unfair. We have to pay out extra along with every body else. You think just because we get a little check from SSI that is gonna cover all the price changes. I don’t get food stamps either so just kick the people that’s on the bottom to the curb.
Joe says
What if my tax return was taken because of an owed student loan. Will this also be intercepted?
Robert Farrington says
In past years, yes. They may change it.
However, now it’s easier than ever to get out of default with the special student loan programs right now.
See this to get your student loan out of default.
Perla says
If my tax return 2019 was offset , can I fight to get it back due to the coronavirus? I mean I need the extra money now!
Robert Farrington says
No. Student loan offsets are waived as of March 13, but nothing has changed with the other types.
Perla says
My offset was for student loans 2019, it was offset at the end of February, am I able to fight to get that back, according to the article it says refunds will be given but to all 2019 offsets or only the ones who filed after March 13?
Johnny M Hunter says
Will a person who have not been imployed with a company since 2015 but have worked through gigs via Craig List and have not filed for tax refunds since 2015 can he still receive the relief payout
Robert Farrington says
If you worked side gigs and had income, you likely should have been filing a tax return this whole time…
Johnny M Hunter says
Will a person who have not been imployed with a company since 2015 but have worked through gigs via Craig List and have not filed for tax refunds since 2015 can he still receive the relief payout,the last tax return filed was 2016 , what do u think the status will be concerning recieving relief fund
Johnny M Hunter says
The last tax return i filed and received funds was 2016 , will i receive the financial relief passed by congress ?
Johnny M Hunter says
If my last income was filed in 2016 will i still receive the relief benifits
Molly Smith says
i collect SS and work a job. My total income before taxes is 28,000.00 and I have one dependent child. Will I be able to get a stimulus check? Will they notify you how much you will receive?
Robert Farrington says
See the above article. Retirement Social Security qualifies.
Kia says
I worked last year only 2 jobs in both was about a week or work I did get a W-2 for both plus did self employed on my tax return money was took out to pay self employed but did get a refund plus had 3 kids on my return will I receive a stimulus check
Robert Farrington says
If you filed a 2019 return and meet the requirements above, yes.
Kia says
What the requirements would it matter that I received SSI but did work last year just for a week plus my kids would I still be able to get a check
JEAN YEARRY says
You will still get a check.
Santo says
I make 75,400 last year my son 19 he’s going to college and I pay for his college and working part time job and his file his tax departed but I claim him my depend in the Incontax I receipt the check ??
Robert Farrington says
It’s based on your AGI (adjusted gross income). See the requirements above.
Nikki says
I do my taxes every year and i get my direct deposit on my american express card. Would i get it there?The card i got it threw jackson hewitt.. I get it there every year
Robert Farrington says
You will receive a paper check. I strongly recommend you get a checking account and avoid prepaid cards for your safety in the future.
Mary says
I am on Social Security disability I worked but I file tax will I get a stimulus check also I filed in 2016 and 17
Robert Farrington says
According to updated guidance, you will need to file a simple tax return.
Rachael says
Will I end up with It on my emerald card or check
Robert Farrington says
Check. I strongly recommend you look into getting a free checking account to avoid prepaid cards in the future.
Agnes says
Havent filed 2019 taxes yet but have filed every year always will I get a stimulus check
Robert Farrington says
They will use 2018 if you haven’t filed 2019 yet.
Rhonda F says
If a person is self employed will they receive a stimulus package? If so how am I supposed to be eligible?
Robert Farrington says
Based on your tax return – subject to the limits in the article above.
Sheila says
If you had your tax refund taking this will it affect this chek
Robert Farrington says
It might. They are discussing waiving it. Why are you seeing your taxes garnished?
Monolethia Cobbs says
I filed my taxes and got them back will my stimulus payment be put on my Jackson Hewitt card
Robert Farrington says
No, you’ll receive a paper check.
Sheila says
What about the offset that they where they take your tax return will this happen with this check
Robert Farrington says
In past years, they’ve kept offsets. However, they are discussing waiving them for this package. More to come.
Gregory F Tapscott says
Thanks Robert! So now it’s based on 2019 year return and not 2018? Sadly, I hadnt filed taxes for 2018 until this week as my only source of income was $10,700 from four gambling taxables.
Robert Farrington says
Correct – as of now the bill is 2019 tax return.
Gregory F Tapscott says
Thanks so much! Either way, I should have filed 2018 on time.
Janet Anderson says
This question is about my son if he makes around 85thousand or a little more but his wife is a stay home mom and thet have a set of twins age 4 .How does that effect him.
Robert Farrington says
See the article above, filing status and income requirements,
Kande says
This is my question as well we file married jointly but my husband works and I’m at home with the 4 kids he made around 80,000 this past year so I’m guessing since filed jointly married and we make under 150,000 then we get the full amount but I’m unclear and have read the article just didn’t see anything specific for my situation
Robert Farrington says
If you file jointly, use the joint income listed above.
Sheila Roary says
If you had gotten your tax return taking because of a offset will this check be taking
Robert Farrington says
In past years, yes. However, they are discussing waiving offsets. More to come.
Tony says
I didn’t file last year or 2018 due to incarcerated but i work full-time with a family of 8 do i qualify for the check to help my family
Robert Farrington says
It’s based on a 2019 return. File now if you haven’t yet.
Anna Larson says
Will stay-at-home parents whose spouses are the primary source of income receive money or just the spouse who is working? My income is $0 but his is within the range.
Robert Farrington says
You would fall into the filing jointly category (if you did), and receive a stimulus check as such to match your situation.
Charlie says
What if i had an offset will the person i owe take my stimlus
Robert Farrington says
In past years, no. However, it’s under discussion whether this will change.
Gail says
What if you need to change direct deposit? Like if you had your return prepared by a business and had fees taken out through refund transfer through their bank. How do you get it direct deposited until your own account?
Robert Farrington says
You’ll likely get it as a check, but you can use the IRS update information tool as well.
debbie guist says
I have recently been diagnosed with Parkinson’s disease I did not work in 2019 due to the disability I am in the process of applying for SSI and SSDI will I get a check?
Robert Farrington says
It’s unclear.
Tosha says
What if you didnt work the whole year but filed what little you did make will I be eligible
Robert Farrington says
If you filed a return and meet the above requirements, yes.
Frank says
Do you have to pay it back or will they take from your taxs when u file say I get 7,000 next year will they take that money that they give u
Robert Farrington says
No, it won’t impact you.
Jennifer Britain says
I filed 2018 and 2019 someone else filed my children this year without my knowledge and my taxes were off set for school loans will i still get a check? If so i field through turbo tax with a deposit going to turbo card how will i get the check deposit on card are a paper check?
Robert Farrington says
You need to get out of student loan default. There’s never been a better/easier time to do it with all the Coronavirus student loan programs.
Shalana Payne says
I filled taxes for 2019 and received a check thru my tax preparer because I opted for the fast loan and received it the next day. Will I receive a check to my address or my tax preparer ?
Robert Farrington says
Check to your address is likely.
Hattie says
do I get a check if I live in a assisted living facility, I get ssi , goes to the facility, how will I get my stimulis check?
hattie says
ssi disability is what I get.
Hattie says
I get ssd and live in assisted living facility, they get my monthly check, will they get my stimulis check or will I get it by mail
Mary says
I made under that 99,000 will i get a check I’m head of household and 13 year old
Robert Farrington says
See the requirements in the article.
Ricardo Davila says
I had issue with my tax preparer putting in wrong acct. Info so I got paper check can I update with IRS so I can get direct deposit with the stimulus money
Robert Farrington says
You can try, but you’ll likely get a paper check again.
Robert Farrington says
Contact your Congressperson. They make the laws.
Alex K says
I’m currently a graduate school student, but I filed my 2019 taxes reporting no income. Would I still be eligible to receive the check? Thank you.
Robert Farrington says
If you filed, yes. There is no “lower” income requirement as of now. May change though. Should know more today or tomorrow.
Barbara K says
Do you know if there are any updates on whether of not those of us that are in student loan default will be able to get a stimulus check? I have a family of 6 and could really use that money since my husband’s hours were cut.
Robert Farrington says
In the past, you’d see your stimulus check offset/garnished. They are discussing changing that.
However, now is the best time to get out of default! You can consolidate immediately (and take the credit hit), but you can see your interest frozen and defer payments for 60 days! Get out of student loan default right now.
Robert Martin says
I filed a 2019 return but its was only for $630, will i get a check?
Robert Farrington says
Yes, there is no minimum income currently.
Robert Farrington says
SSI doesn’t qualify in the current language of the bill.
Sarah says
I’m a 22 y.o. full time college student who also works and filed a 2019 tax return and got my tax refund back already by direct deposit. I’m claimed as a dependent on my parents tax return since I’m a full time student under 24. Will I still get a stimulus check since I filed my 2019 taxes and made under $75k? I read on some of the bills kids over 16 or 18 would get $.
Robert Farrington says
Those claimed as a dependent won’t be eligible.
Robert Farrington says
SSDI – yes.
SSI – no.
Robert Farrington says
Sadly, SSI is not included in the income in the current bill being proposed.
Dolores Freeman says
I am on SSDI but I don’t have any taxable income would I still get a check and do I need to file in order to get the check. I have not filed taxes since 2012
Robert Farrington says
SSDI qualifies, and According to updated guidance, you will need to file a simple tax return.
Angela Dishman says
I’m on SSDI with direct express card but I haven’t filed taxes in 20 years do I qualify
Robert Farrington says
There is no income minimum, so unless you’re claimed as a dependent by someone else, you should qualify.
Robert Farrington says
SSI doesn’t qualify for a stimulus check right now.
Robert Farrington says
SSI does not qualify for a stimulus check under the current proposals.
Robert Farrington says
SSI does not qualify, sadly.
Terry says
My spouse filed for 2019 but did not use direct deposit. Can she still get the IRS that information and use the direct deposit option
Robert Farrington says
No, she’ll receive a paper check now.
Shawna says
If I filled taxes and my return been accepted will I still get check
Robert Farrington says
You should. Chances are these checks won’t be coming for at least 1-2 more months at least.
Rosemary Bulla says
If my refund was on a netspend card will this stimulus check go on the card as well?
Robert Farrington says
Yes, that will go to a paper check. I strongly encourage you to open a free checking account and avoid prepaid cards in the future for your financial safety.
Sharon says
Thank you Robert,All the information that you have given.You are a helpful.
Robert Farrington says
Thank you! It’s a difficult time right now. Check back when things are finalized to make sure you’re staying in the know!
Luke says
So your saying they changed the previously proposal of 2500 lower income requirement?
Robert Farrington says
There is no lower income level.
Michael Felix says
What if I work for my self day to day an I don’t have any paperwork?
Robert Farrington says
If you work for yourself you’re considered self-employed and should be filing a tax return…
Drew says
What about dependents? My son is 22 and filed taxes, but is a dependent on our taxes. Will he get a check?
Robert Farrington says
No, if you can be claimed as a dependent you won’t receive a check.
Pamela says
I make 11,000 a year how much will my check be? Thanks
Robert Farrington says
Read the article. There are no lower income limits, only upper income limits.
Jennifer says
Can the Money be deposited on a NetSpend card ?.iv always had my check from work deposited
Thank you
Robert Farrington says
No, it will be a paper check. I strongly encourage you to get a checking account – it’s much safer and more secure.
Donna says
QUESTIONS:
My husband and I have already filed our joint 2019 tax return. Our adjusted income came out to slightly over 175,000 because we took money from our 401K for a down payment on a retirement home. Our income on our work W2’s combined is really 90,500. How does that affect our chance to get a check. Do they take into consideration the withdrawals from 401k”s? Also our son is on our tax return as a qualifying adult dependent, he lived with us most of 2019 year. He only worked for a few weeks in 2019 and made 950.00, he since then has a jobs (part time hours) and has moved out, he did file a 2019 tax return and got back 19.00 will he receive a check? Thank you for being available to answer our questions.
Robert Farrington says
It’s based on your Adjusted Gross Income (AGI).
If your son was claimed on your return as a dependent, he won’t get his own check.
Donna says
So there will not be anything extra for an adult dependent filed on your tax return only a child dependent, correct.
I guess we fall into the deduction of $5.00 per $100 over 150,000 limit for a married filing a joint return. We show 175,000 AGI which includes our 401k withdrawal. I really appreciate you answering everyone’s questions.
Rodney Boggs says
My wife receives social security retirement benefits will she get a stimulus check,& will it be for a couple? Thanks R.Boggs
Robert Farrington says
Retirement benefits qualify. Your check is based on your filing status and income. See the limits above.
Dee says
I just saw your response to the above questions, I was claimed as a dependent so I now have my answer. Thanks!
Toya says
If u file self employed will u be able to get a check
Robert Farrington says
Subject to the income limits above.
Annie says
Between me & my husband we make $22,000 a yr would we quality for the checks ?
Robert Farrington says
Read the income limits above… that’s the clearest part of the whole thing.
Janet says
I owe the IRS from previous years. Will they keep my stimulus check?
Robert Farrington says
Possibly. We don’t know the rules on offsets yet.
Elizabeth says
My husband is a truck driver self-employed (incorporation) and I did contract work as a healthcare consultant. We’re about to file our 2019 taxes. Will we qualify for the stimulus check?
Robert Farrington says
If you file, yes.
Elizabeth says
What’s the timeframe?
We’re scheduled to do our taxes (remotely) with our accountant this Saturday – our accountant will then mail the forms to us. Will we make it on time?
Mary says
Thanks for posting this. I feel so bad that you have to keep answering all the same questions above, but this was much appreciated when looking for answers. I realize the bill isn’t signed yet, but helpful for those of us that are getting a little anxious.
Robert Farrington says
Thanks! I appreciate the positive words!
Felox says
No they will not intercept this one . That had happened to me in 2001 and I owed and still got a 300 check
John says
Oh yeah they did intercept mine in 2001 and 2008. So assume they ARE GOING TO TAKE IT THIS YEAR 2020.
Michelle says
If someone owes money to the IRS on back taxes (2-4 yrs) do they get a stimulus check? I wouldn’t think so!!!
Robert Farrington says
We don’t know. Previous stimulus checks in 2008 had the offset remain.
Ken says
I got my 2019 tax return on an H&R Block Debit Card ( Emerald Card ). Will they deposit the stimulus money on that card?
Robert Farrington says
No, you’ll get a check.
TL Wallace says
Robert…I commend you on answering the same questions over and over and over again?…how did all of these folks miss the well informed lengthy article that explains about 99% of what their inquiry minds want to know?…lazy, just dadgum laziness…I’m cringing right along with you as I read every single one of these repetition questions?…you’re a good and patient man…thanks for towing the line on this one?
John says
Any word on the offset program? I owe restitution to the IRS and they will most likely take my stimulus check as usual, correct?
Robert Farrington says
None yet. In 2008 the offsets remained… there is talk of waiving them this year.
John says
(4) PAYMENTS PROTECTED FROM OFFSET AND
4 RECLAMATION.—Notwithstanding paragraph (3), a
5 payment under subsection (a) shall not be subject to
6 any reduction, offset, or levy pursuant to—
7 (A) section 3716 or 3720A of title 31,
8 United States Code;
9 (B) section 6331 of the Internal Revenue
10 Code of 1986; or
11 (C) subsection (c), (d), (e), or (f) of section
12 6402 of the Internal Revenue Code of 1986. We
Ruby says
I work fulltime and received SS, I also took money form my 401k to do some renovation, as I entitled to the stimulus check.
Robert Farrington says
See the income rules above.
Mr.A. Hines says
I owe arrears in child support but I did file taxes in 2019, so will I get a check so will or can dcse intercept it?
Robert Farrington says
In the past they have. It’s unknown still what the plan is for this year.
Alfred LaGrand says
Where will my check be mailed if I did not have my 2019 tax refund direct deposited into my bank account?
Robert Farrington says
Correct.
Mike bavolar says
I get SSDI and I work plus I filed taxes in 2019 will I get a stimulas check
Robert Farrington says
See the article above. Subject to income phase-outs.
Joshua says
If i owe back taxes still will i receive a stimulus check or will the irs take it?
Robert Farrington says
Unknown yet, but in past stimulus checks they continued the offset program.
Alexandria Doss says
I only made about $18,000 last year but im in nc where they have shut down almost everything an my kids are out of school do to the shutdown they are not supposed to go back until may 15 do i qualify for the check
Robert Farrington says
See the above article for income requirements. There is no minimum income.
JOSHUA MARTIN says
I received my tax return on pre paid card.
Is there a way to give my direct deposit information to the IRS?
Thanks for taking the time to answer.
Robert Farrington says
No, if you received your refund on a financial instrument (like a prepaid card), you’ll receive a check.
It’s highly recommended you get your refund direct deposited in the future for your own safety and security.
Robert Farrington says
Survivor benefits aren’t typically eligible in past bills. I haven’t seen the specifics on that yet, but I would doubt it.
April says
I have a checking account, but was given an Emerald card. Can I update my information with my bank account information and if so how?
Robert Farrington says
No, you will simply receive a paper check. You should keep your information updated anyway (see the link above for the IRS).
Brenda says
Hi I sent my income tax in and my tax had an error so they told me to send a w2 and pay stubs. efiled but they told me to send me to mail it. will that effect my stimulus. check
Robert Farrington says
I don’t think so.
Kay says
If I am working and able to file taxes each year but claimed as a dependent due to also being a student, do I no longer qualify for a stimulus check? I keep seeing conflicting answers and honestly not sure.
Robert Farrington says
No, if you’re claimed as a dependent it’s a no.
Brenda says
Dependents aren’t eligible for stimulus. This is sad because a lot of students need this money as well. I think if they work and filed their own taxes and paid in taxes then they should be eligible for stimulus too no matter if they are dependents
Lauren says
It makes no sense that we have to have filed 2019 taxes when they just extended the filing date to July. Don’t you mean the 2018 taxes that would have been filed in April of 2019?
Respectfully,
Lauren
Robert Farrington says
Looks like the updated draft as of 11pm includes 2018 – but we haven’t seen the final text yet. Yesterday it was only 2019 with verification required on your 2020 return.
Diana says
I recieve widows benefits I am also the beneficiary of my 15 yr.old daughter who receives survivor benefits . Will I receive a check .
Robert Farrington says
Survivor benefits do not qualify.
Danny says
If I filed electronically via third party and my fee was deducted from my refund do I still get direct deposit?
Robert Farrington says
No, you’ll likely receive a paper check.
Debbie says
They said the tax deadline is now July, 15th so that people who owe don’t have to be in a bind and they would go by 2018 filing. But now we must rush and file?
I am a single head of household with a 21 year old full time college student dependent. Would I receive stimulus for her as a dependent or no?
Thank you for your help.
Robert Farrington says
They will use your 2018 return if you haven’t filed your 2019 return. It shouldn’t be a rush anyway – plus, if you get a refund, there’s no reason to wait!
Jay says
If I had a treasury offset on my 2019 tax return, for defaulted student loans, but as of March 24th, I’m currently in a loan rehabilitation program, would I be eligible to receive my stimulus check?
Robert Farrington says
Yes, that shouldn’t impact it. Plus, the Department of Education has waived offsets for 60 days to allow this stimulus check to go through.
Jeanette Whitmore says
Thanks for the information it was very helpful
April says
If you owe the IRS , will you still receive a Stimulus Check?
Robert Farrington says
It’s unclear as of now. We’re waiting on the final bill.
Jenny Robison says
I filed bankruptcy and it was discharged on 2/2019 all I need to do now is file my 2019 taxes and send in my paper check to my lawyer to give to the trustee.
Will I get to keep the stimulus check or will I need to turn that in too?
Robert Farrington says
They shouldn’t keep the stimulus check – it’s a 2020 tax credit.
Kim says
It is very kind of you to answer all these question, thank you!!
Any update as to the tax offsets?
Robert Farrington says
Student loan offsets have been waived. We’re still uncertain about back taxes and child support.
Des says
I file each year with W2 income and also 1099 self employment income with 6 dependant children. I am well under the income limit. Should I be expecting the $1,200 plus $500 (pending finalization) per child, or does the 1099 income change things? Also, I have read that those with $0 tax liability would not receive a payment. Doesn’t this mean if you get a refund rather than owe at the end of the year you are disqualified? Any truth to that? Thank you in advance for your input!
Robert Farrington says
It’s all about your AGI. Whatever your AGI is with all your income is what counts.
And no, that last part makes no sense is and is incorrect.
Tessa says
I don’t Beucase I’m not working I worked about 4 years ago.
Casey says
Me and my wife filed a joint return but she had no income. Will we both get the check or just me?
Robert Farrington says
It’s based on the AGI on your joint return.
Mike l. says
Mr. Farrington, i have filed my 2019 taxes already but they are being held under a review…will my stimulus check be added to my regular return money and push it along faster because the irs is slower then a snail going upstream lol…please and thank you for an answer my friend
Robert Farrington says
It’s separate from your return, but it will use the income from it.
Allison says
Im am unsure of what it means by phase out at 198,000 per xouple. Does that mean we have to make that much to qualify. Or we qualify if we have not made that much?
Robert Farrington says
You don’t qualify (i.e. you get nothing) if you earn more than that.
Sue says
Is there a way to apply if I became unemployed (before Covid) and my 2020 income will be substantially less than the cutoff listed for 2019 taxes?
Robert Farrington says
I’m guessing you say this because your 2019 income didn’t qualify you?
If so, we’re expecting the IRS to release some form to file early to claim the stimulus check if you’re eligible but your past tax returns don’t show it. As a last resort, you’ll likely be able to get it when you file your 2020 taxes in 2021.
Lee Stamp says
How long will it take to receive a paper check in Ohio… Days…..weeks? Donald Trump mentioned he wants them mailed sooner but how much sooner?
Robert Farrington says
We’re thinking most will get their checks in mid to late May.
Ista says
Thank you! You have done a lot of people a lot of good.
Josh says
Have you by chance had a opportunity to read the latest version that was agreed upon and is being voted on? I can’t find it to be able to read.
I was wondering if you saw anywhere if they are including offset waivers in this version?
Thank you for taking the time to answer everyone’s questions it is greatly appreciated!
Lynnie says
I owe student loan I owe irs and I owe social security. I repay all three monthly. Will I get a stimulus check?
Robert Farrington says
Yes if you qualify. There will be no offset on the stimulus check.
stacey says
What if your refund is garnished due to student loan debt. Will you still get the stimilus check
Robert Farrington says
Yes, they are pausing offsets for student loan debt.
But you need to get out of default! There are so many options right now to get help – stop the madness of fees and collection costs and get back on track with your loans.
Rosa says
If they are garnishing my check for child support arrears only. Will i receive a check?
Robert Farrington says
We don’t know yet.
denise rodriguez says
Hello and appreciate that you are here to answer all the repetitive questions.
I filed 2019 taxes Married jointly but the sole income was mine $103k will I get the $2400 or nothing?
Denise Rodriguez says
Hello and appreciate that you are here to answer all the repetitive questions.
I filed 2019 taxes Married jointly but the sole income was mine $103k will I get the $2400 or nothing?
Robert Farrington says
Depends on your joint AGI.
Robert Farrington says
It’s what your filing status is (so married filing jointly). Now look at the table in the article and see what you’re getting.
Brandon says
Will we have to pay this money back at some point?
Robert Farrington says
NO.
Ciera says
Do we have to pay this money back and if so, how do we pay it back?
Robert Farrington says
No you do not.
Nolan carnett says
Will I get a smaller refund next year because of this. Have a child in collage and usually get 3500 back
Robert Farrington says
The stimulus check will have no impact on your future tax return. This is an entirely new tax credit – a complete bonus on top of anything else you would get.
Tj says
I have yet to receive my 2019 tax return will that have an effect on the stimulus?
Robert Farrington says
No it will not.
KATT0628 says
Does anyone know if the check we receive will count as income? I keep hearing it is like a loan and that we will be required to pay it back as well as be taxed on it.
Is this correct info?
Robert Farrington says
It will not. It’s a tax credit.
Anthony says
I am currently in student loan default and usually do not get a refund when I file taxes. Will I get this stimulus check?
Robert Farrington says
Yes you will. And get out of default tomorrow please. It’s super easy right now and so many programs to help.
Mimi says
I filed my 2019 return already but I also just had a baby on 2/11/2020, is there a way my infant can be included in the stimulus payment?
Robert Farrington says
There is likely a way but I don’t know the mechanism yet.
JC says
Will this check be included as income for 2020 when it comes to tax time at the end of the year?
Robert Farrington says
No, it’s a refundable tax credit,
Kathy Stewart says
I to have used Netspend Card for over 10 years or more. My Social Security and other checks are deposit monthly all these years. The Card is through Meta Bank. Why wouldn’t they send my Stimulus Check direct deposit through that Bank. They already have all my information. I fear that if there sending out paper checks a lot of them could be stolen.
Robert Farrington says
They probably will.
In general, it’s recommended you get a free checking account. It’s safer.
TREESE says
Have you gotten any word on if someone who always owe IRS;and has file this years taxes and they withheld them.Will they receive the stimulus check?
Robert Farrington says
Why would owing taxes change anything? It’s based on your AGI.
Eric says
Have you heard anything about waving the offsets??
Robert Farrington says
The Department of Education just announced they are waiving offsets for student loan collections for at least 60 days.
But no word on tax or child support yet.
larry says
will my son who is in college get a check even though I claim him he is 21 they need the money to and he lost his job
Robert Farrington says
No.
Elaine says
My entire tax refund from 2019 was offset to pay for my defaulted federal student loans. I’m currently on a rehabilitation program with the 3rd party debt collector (National Recovery) – started my payments in February. Am I to expect that if I get a stimulus check, it will be offset again?
Robert Farrington says
There will be no offset on the stimulus check.
Monyette Trezevant says
If i owe federal and state taxes will i get a check?
Robert Farrington says
Yes. There will be no offset on the stimulus check.
Lucy says
if we continue to work during this time and filed taxes, do we still get a check? thanks
Robert Farrington says
Subject to the income limits, of course.
Elizabeth M says
If I am an 18 year old who does work and filed for my own taxes, but my parents claimed me on their taxes, will I get a check as an individual?
Robert Farrington says
No, if you’re claimed as a dependent you don’t get a check.
Sara S says
Is this an advance on next years tax refund?
Robert Farrington says
It appears to be a refundable credit. So yes, it’s part of next years tax return, but won’t impact your refund. It’s 100% extra money.
Robert Farrington says
It appears to be a refundable credit. So yes, it’s part of next year’s tax return, but won’t impact your refund. It’s 100% extra money.
Lisa Diane Adams says
I receive $ 457social security retirement. no other income. Do I qualify?
Robert Farrington says
See the restrictions above on the type of social security.
Lisa says
Thanks. You provide a great service.
Gina says
If I owe back taxes will I get a stimulus check?
Robert Farrington says
Yes you will. There will be no offset on the stimulus check.
sue says
if our tax returned was applied to student loans, will the stimulus be applied to the student loan?
Robert Farrington says
No, there will be no offset on the stimulus check.
Valerie York says
If you filed married by filing separate how will the stimulus check work? Will we both get separate checks?
Robert Farrington says
Yes. likely.
Robert S. says
What if you just filed your taxes today? Would you still receive the stimulus check?
Robert Farrington says
You should.
Jerry Cook says
What if my taxes came on a H&M’s block card will they put my stimulus money on it
Robert Farrington says
No, you’ll get it via check.
Marian Pace says
Why would Congress base these relief payment on 2019 tax returns, when the original due date has not yet even passed? Plus haven’t they extended the filing deadline?
Robert Farrington says
Over half of people have filed 2019 already. So even though it’s delayed, it just makes sense.
Plus, it’s technically a 2020 tax credit you’re getting early.
Daniel says
If I don’t qualify based on my 2018 return, but I do on my 2019 return, should I try to file that asap so that it is based on my 2019 return?
Or is too late for that at this point?
Robert Farrington says
Not too late at all.
C. Kowalski says
I owe irs money. Because I receive SS retirement the irs does not ask repayment. Will ths irs keep my stimulus check
Robert Farrington says
No. There will be no offset on the stimulus check.
Joe says
The IRS took our refund for student loans, will we get a stimulus check??
Robert Farrington says
Yes, there will be no offset for student loans on the stimulus check.
L. Gardner says
DO YOU HAVE TO PAY BACK THIS MONEY? Thank You
Robert Farrington says
NO! Don’t type all caps.
C. Smalls says
Hello Sir. My question is since the IRS is waiving IPA payments until July 15 do you have any idea if the State is doing the same. I am current with both but my next payments are due on 4/15 and the waivers would definitely help in paying other bills for the few months allotted. I have looked for the information on the States website but it’s not clear if they are. I do thank you in advance and apologize if it’s in plain sight and I overlooked it.
Robert Farrington says
Every state is different. Some states have matched the Fed. Others haven’t.
seth s says
Appreciate your response ahead of time. My 2018 tax return my has my old address where I don’t live anymore and just mailed in my 2019 tax return today with current address. I was a student in 2018 and currently a student without any income for both 2018 and 2019 tax returns so I never provided my banking info as I would not be getting a refund. Where would the check be sent? if it goes to the old address I’ll never see it. Thank You
Robert Farrington says
To your 2019 return information if you filed today.
Raine Dyani says
I’m asking for my elderly mom. She took her taxes in to be done for free and the service/office was closed due to the virus, so now she has to wait. How could they require everyone to have filed for 2019 when A) many wait until the last month, and B) if services/offices are closed due to the virus?
Robert Farrington says
It can be 2018 or 2019 information. Have you considered helping her do it online for free? Chances are she has a simple return that will take you like 20 minutes.
Jennifer says
My daughter is about to turn 18 and filed a tax return for 2019. Will she get a check? I read that she’s too old to count as a child.
Robert Farrington says
If you claimed her as a dependent, she won’t get anything and neither will you.
Jarrett says
I’m a college student and claimed by my parents on taxes. I also work two jobs and file my own taxes as well. Will I receive a check as well?
Robert Farrington says
No you will not since you’re claimed as a dependent.
James Davidson says
I have a direct Express card for SSDI. Will it be posted to the card?
Robert Farrington says
It will likely be a paper check.
Renee says
I would like to know if you owe the IRS will you still receive the stimulus check?especially if Its to help the economy not to pay off IRS debt.?
Robert Farrington says
No, there will be no offset on the stimulus check.
Danielle Edoo says
Hello. Just wondering if they waived the offsets?
Robert Farrington says
Student loan offsets were waived today. Unclear about tax and child support.
Jessica G says
My husband and I file and use a 1099 instead of a w2. I’m a stay at home mom and have 3 kids. We make well under the limit for cutoffs but will we still get the stimulus since he’s a 1099 contract labor and I don’t work?
Robert Farrington says
Doesn’t matter. AGI applies.
Kelly says
I got my income tax refund through H&R block, so I would receive my coronavirus stimulus check on my h&r block card
Robert Farrington says
No, paper check.
tim says
will they put stimulus money on your direct express card and what amount for ssd
Robert Farrington says
No, it will be a check.
Stephen says
If the Treasury has a TOP open (debtor) will they intercept this one time stimulus check? I.e One I filed my taxes, my return was intercepted because I owed back child support.
Robert Farrington says
It’s unclear on that at the moment. Student loans aren’t being collected, but we don’t know about taxes or child supportyet.
Monty says
I don’t have a question. I just created an account to tell your Robert How WONDERFUL YOU ARE!!! . I’m just like WOWWWww. 95% of these questions are in the article and you still took the time to answer them. You’re an EXTRAORDINARY TERRIFIC PERSON
Kristen says
Will the stimulus checks need to be repaid with next years taxes?
Robert Farrington says
No, as long as your family size is correct for 2019.
Keith G. says
Up until last May, I was out of work, and had no income. Will I still qualify for a check? Haven’t filed my 2019 taxes yet.
Robert Farrington says
If you haven’t filed for 2019 yet, they will use 2018. Either way, you still had January to May last year, and should file ASAP. You may get a tax refund as well!
Keith G says
Just got done filing. Thank you.
S.smith says
Will the stimulus checks have to be paid back? And how/when will we have to pay them back?
Robert Farrington says
It doesn’t appear they have to be paid back unless your 2020 family size was incorrect when you do your taxes in 2021.
katherine lapointe says
OK… so just to clarify something. I have been on SSDI for 8 years and have not filed taxes because I dont receive enough to file. In the article, you mentioned that SS and SSDI would be processed by social security. Does this mean I do not have to file taxes to get it? Or will I need to file even though my income does not require me to do so. Since Social security has all my income information, my guess is that I would not have to file, but just want to get clarification.. Thanks so much
Robert Farrington says
According to updated guidance, you will need to file a simple tax return.
Dee says
Thank for your replying to questions.
2018 Married filing Jointly income $153,000 AGi Taxable $127,000 with child
2019 Married filing Jointly income $199,000 AGI, Taxable $173,000 due to 401 K No Child to claim ….withdrawals preparing for retirement
Husband retired 1/1/2020 AGI for 2020 will drop below $100,000
Robert Farrington says
Always use your AGI.
Jeff says
If I’m on unemployment and have been for 4 months will I receive a check? I’m single and made more than $100,000 in ‘18 and ‘19.
Robert Farrington says
No, it’s subject to the income limits. Although they are raising unemployment benefits as well. More to come on that.
Teri says
What are the income tax filing implications for this stimulus? Will it have to be added to our income when we file next year for 2020? Will it be taken out of any tax refund? Will we be required to repay it?
Robert Farrington says
It’s a refundable tax credit. No cost to you. Only time you’re required to repay it is if you got something you shouldn’t have (like a joint return amount but you’re single).
PatC says
Have you heard on the waiver if you owe back taxes will you still receive the stimulus?
Robert Farrington says
There will be no offset on the stimulus check.
Tessa says
hi. I’m a stay at home mom. I haven’t worked for a couple of years would I get a check ?
Robert Farrington says
How do you file your taxes?
Tessa says
I don’t Beucase I’m not working I worked about 4 years ago.
Tessa says
I haven’t in 4 years. I’m without work. I stay home with my kids
Jana says
So my question is what about all the people that were unemployed at that time that are working now so are you telling me I don’t qualify for anything and I get absolutely nothing?? I was out of work and not getting paid I’m back to work now I’ve been back to work for 3 months full time supporting my family so you’re telling me know I’m entitled to get nothing to support them???
Robert Farrington says
No idea what you’re talking about – there is no income minimum. Help me understand your situation better to see.
Josie frantz says
How will I be able to know if the offset program will be used with the stimulus check this time or if people will still receive their check
Robert Farrington says
As of now, we don’t know fully. The Department of Education is stopping student loan offsets, but others may remain.
Kimberly R Brennan says
Also i have a Direct Express Card through the Government will they deposit it if I can receive it onto my card
Robert Farrington says
No, payment instruments will likely get a paper check. Consider getting a free checking account… much safer and smarter.
Nadine says
IRS took my refund the past 2 years due to going to PA unemployment will they take this away too?
Robert Farrington says
It’s possible. There is no word on offsets yet, except student loan offsets being waived.
Reid says
If I owe back taxes will I get stimulus check
Robert Farrington says
It’s unclear whether the offset will remain or not as of now.
Becky says
Is the irs took my taxes for payback of unemployment overpay will they take my stimulus relief?
Robert Farrington says
No they won’t. There will be no offset on the stimulus check.
T W says
My 20 year old daughter goes to college and was claimed as a dependant on her dad’s return. She filed a tax retuen to get back the taxes she paid at her part time job. Who will get the stimulus money on her? My daughter or her dad? Is it 500 or 1200 since she is a 20 year old dependant?
Robert Farrington says
Nothing for her since she was claimed as a dependent. Her dad doesn’t get anything either because she’s too old.
Michele says
Hi I have two questions:
will we be required to pay back the stimulus check to the government?
And if so how long do we have to pay it back?
Thanks for time and help! Have a good day!
Robert Farrington says
No, you don’t have to pay it back. It’s a refundable tax credit.
Diane says
When people receive their stimulus check, will we need to claim that as income on our 2020 income taxes?
Robert Farrington says
No, it’s not income. You will need to fill out some paperwork on your 2020 return for it though.
Damien says
Richard,
Great resource here. For those that were ineligible in 2018, but eligible in 2019 (not having filed taxes yet), is there still time to file and be eligible?
Best,
Damien
Robert Farrington says
Yes, still time.
Charles Hodak says
Thank you for the information listed above. It answers all the questions in detail.
May it save America from disaster. GOD BLESS
Candace Crawford says
Wow! You answered all these questions! Amazing! Thank you
I’m on ss retirement and husband on ss disability. Our 2019 reflects this and I understand the income guidelines. One question, does $ received through inheritance on the 2019 return come into play here?
Robert Farrington says
If it impacted your AGI it could.
George B says
Hi, Will my employer automatically give me the “paid time-off” money that I’ll be due, or will I have to somehow apply for it? Thanks in advance?
Robert Farrington says
You need to follow your employer’s guidelines and policies for it. Every employer is different, but they all have to comply with the Federal law for FMLA.
MC says
My friend had his taxes withheld last year for student loans he is on a recovery program but still has two months left to be in good standing. Will his stimulus check be held?
Robert Farrington says
No, the Department of Education stopped the offset program right now.
Michael Schiavi says
I receive SSDI on a direct express card issued by social security that I receive my monthly payments on. Will my Stimulus be direct deposited on to that card?
Michael Schiavi says
Sorry I see you already answered
Derrick willoughby says
I have still have the same direct deposit that use for my 2018 tax return will I get the check the same way but I have a different address since 2018
Robert Farrington says
Should be fine if you haven’t had any issues with it.
Maggie says
Good afternoon,
I see that it says the stimulus check is phased out completely at AGI of $198,000 for married filing joint with no children. Do you happen to know what the phase out is if you have 4 children? Thanks for your help!
Robert Farrington says
Your AGI on your tax return is used… Your children would have already adjusted your income to get to your AGI.
Maggie says
The AGI is from the W-2 though. My taxable income is the amount adjusted by the standard deduction for my children?
Maggie says
The AGI is directly from my W-2 though. It is my taxable income that is adjusted by the standard deduction for my children, but they are using AGI, which hasn’t been adjusted for my children.
Maggie says
The AGI is taken directly from the W-2 though. It is the taxable income that is reduced by the standard deduction, which is adjusted for children. That’s why I am confused. Thanks
Beth says
It is confusing because AGI is just your income from various sources. It doesn’t adjust for dependents. I was kind of thinking that the $1200/ $2400 Single/couple is reduced based on AGI and you get the $500 Dependent separate. If you calculate out the phase out from 75,000 to 99,000 once you hit $99k, the $1200 is $0.
joann says
Your AGI is from your form 1040.It stands for Adjusted Gross Income.That is after adjusting for deductions,children,etc.Your gross income is from your W2.
Beth says
AGI income is income from all sources. Taxable income is after standard or itemized deductions.
John says
What if my 2019 W-2 looks like i made a lot more money due to company supplied relocation, will there be any way in which to differentiate that this was not actual income so that i can possibly get a much needed stimulus check?
My 2018 W-2 is well below the threshold, although 2019 is over due to the company reporting it as income and they paid taxes….
Robert Farrington says
It will go by your AGI.
John says
If I’m still working my 40+ hours a week, will I still get the check?
Robert Farrington says
Subject to the income limits above, I don’t see why not from your comment.
Nicole Krater says
So will these be taxed on next years taxes? Like will they take this out of my return for next year?
Robert Farrington says
No, it’s a refundable tax credit – free money. You will report it on your next tax return for 2020 (filed in 2021), but they don’t take anything back unless you got something you shouldn’t have (like a non-qualifying child, you actually weren’t married, etc).
Denise says
My husband owes back child support. I have filed injured spouse claim the last few years. I have 4 children of my own and have my own income. Will injured spouse be recognized if they do decide to offset this money?
Robert Farrington says
Everything to do with offsets, except for student loans, is still unclear.
Frances Jankowski says
Is this an advancement on our tax return? Taxable income? Or completely tax free?
Robert Farrington says
It’s a refundable tax credit for 2020.
Teri says
refundable tax credit for 2020 tax return? That’s just too good to be true!
Ryan Cook says
Okay so the same questions keep getting asked but after 15 pages there is no clear answer. I did not work last year or the year before therefore I filed no taxes. I need money just as bad as everyone else. Why would my lack of income exclude me from the pool of people that need assistance? I would think those in my situation have the very highest need of anyone seeing as how I have no income? it has not always been the case. I have worked my entire life at least 40 hours a week. I do not wish to go into the reason why I have no income at this time but I’m not incarcerated or anything like that.
Robert Farrington says
Lack of income doesn’t impact you at all – just more work on your part that we don’t know what it will be yet. There is no income minimum, and you’ll likely be required to submit some form to be determined in the next week or two. Then you’ll have to file a 2020 tax return as well.
Matt says
So it will reduce our 202 refund?
Robert Farrington says
Nope
Ashley says
I was claimed as a dependent in 2018 on my parents tax return, but have been independent and am claiming that way on my 2019 return. Is it known when they will begin looking at tax returns, because I will be filing ASAP (working out some kinks in my taxes) but want to be positive I will qualify because I have been laid off from work due to this outbreak.
Robert Farrington says
File your 2019 return ASAP.
Ashley says
I tried to read through comments as to not duplicate a question so I apologize if I missed it.
Is there a cap on the amount this check can be? – i.e. the number of kids you can collect for? I read a previous article that I believe was 4 kids but I cannot find a newer article that addresses this.
Robert Farrington says
No cap on children.
Jovan says
Thanks so much for this information! I don’t understand the 2020 refundable tax credit part. Can you explain how that will look when we file in 2020? I had to pay taxes this year. I adjusted how much tax is taken out of my check and I’m hoping for a refund in 2020? Will this cause me to either have to pay in or not receive as much of a refund?
Second question for a friend — she filed jointly with her husband and is now getting divorced and doesn’t live at the residence anymore. They have three dependents. Will it be one check and will the check have both adult names or the name of the primary filer?
Robert Farrington says
It won’t change anything about how you file next year. You’re getting the credit now. You’ll have to submit the proof in 2021 when you file that you were eligible (like you were still married filing jointly, or whatever your tax situation was). But assuming you received the correct amount of a stimulus check, nothing changes in 2021 when you file.
Your friend could be one example of a taxpayer that will need to “settle-up” in 2021 depending on what she receives for a stimulus check versus her actual status.
Todd says
This didn’t really answer the question – only partially. Something I am curious about too. My friend has gotten divorced and is now the single parent of 2. She hasn’t filed 2019 yet. The refund last year went to his checking account, and according to the details, that’s where it will go again. He is the type that will keep the money all to himself and it seems there is nothing she can do about that. I can’t find a single source addressing this. They know people get divorced right? I am sure this is going to be a very common situation. However to make hers even worse… he filed his 2019 already AND claimed the kids. He has yet to make the amended return as per legal counsel, which is why she is waiting to file hers. So any idea how this will be processed? His 2019 shows single with 2 dependents, she has no 2019 but her 2018 shows married to him, which for stimulus is set up via his 2019 and doubt they will count him twice. Or will they use his 2019 and use her 2018 and send a payment for each? If so, that still means he gets her payment since it was his bank account they used for 2018 return and the details say how the refund of the tax return being used was disbursed is how the stimulus will be disbursed… I have been searching for days and contacted legislatures and news organizations and have come up with NOTHING.
Robert Farrington says
1. She doesn’t have to wait to file her return. She can file her return and force him to sort it out with the IRS (which I would recommend). The IRS will send him letters demanding proof of the kids, and same to your friend (which she will have and she has a lawyer, etc) and she will get her proper refunds.
2. They may initially send the stimulus check to him if your friend doesn’t file ASAP. But, there will be mechanisms to resolve it. The one that is guaranteed is her 2021 tax return, which isn’t helpful, but exists. What will actually happen is the IRS will make a form in the next few months she can file and claim it early.
Regardless, she needs to handle her stuff and stop waiting on him. Force her ex to deal with the IRS.
Dedrea rieson says
Can i change the way i get our check by putting our routing # and bank account # somehow to the irs because we did american express and we know we cant do that ,that away so we wont get a paper check or we cant change that. Thank you for. Your response
Robert Farrington says
No, you’re going to get a paper check.
Jackie Moll says
I see you answered this question (while I was writing) Thank you!
Barbara Hilburn says
If I still have my job on the base and make less than 75000 in income would I still get a stimulus check
Robert Farrington says
It’s all based on your AGI. Look at your tax return.
Dana says
This is the most informative page I’ve seen thank you. Is it certain stimulus will be based upon 2019 tax year, I’ve seen 2018 elsewhere. Thank you
Robert Farrington says
If you filed 2019, that counts. If you haven’t filed 2019, then 2018 will be used.
Dan says
We had a baby in Dec 2019 so that child wasn’t on our 2018 returns but will be on the 2019. Do I need to file my 2019 return to get the $500 for that child or is the fact that the child has a Social Security Number enough?
Robert Farrington says
I would file your 2019 to be safe. 90%+ of Americans should have all the documents needed to file.
carolyn says
Will adjusted gross income from 2019 tax return to be filed electronically by April 3rd be used to determine eligibility amount for the stimulus check? Waiting on accountant to complete it by the 3rd.
Robert Farrington says
That’s probably early enough to count.
Chas says
MY fiancee has been out of work due to medical reasons and hasn’t filed taxes due to not making enough. He won’t get one will he?
Robert Farrington says
Did he file in 2018?
Laura says
Why is the cutoff for the benefit for a child under 17?
Robert Farrington says
I don’t know – ask your Congressperson why they selected that ?♂️
J. Garcia says
Hi! I had a baby in January of 2020. Any idea if this child would be included in the $500 for each child? Thank you for taking the time to answer this question.
Robert Farrington says
No idea on that yet sadly.
Sheila says
I haven’t been able to file 2018 taxes yet due to an ugly separation from my husband. This means I won’t get it correct?
Robert Farrington says
It says 2018 or 2019 tax return if you were required to file one.
Emma says
I claimed my son who is 20, I will not receive anything for him, is that correct?
Robert Farrington says
Correct.
Tym Churchill says
I’m a senior in high school and I turned 18 November 2019. My parents claimed me on their taxes. Will they got $500 for me or $1200?
Robert Farrington says
If you’re claimed as a dependent, you get nothing.
Wil says
Hello,
My wife and I have not filed our 2019 taxes yet, but our AGI in 2018 was $196,000 combined. Our taxes are currently being prepared by our accountant, and our AGI should be less than 2018. We both retired on January 1, 2020 with a substantially smaller pension income, and with no social security benefits. Will the stimulus check be based on our last taxes that we filed, or on our current reduced income?
Robert Farrington says
If you don’t file 2019, it will be based on 2018. One or the other.
Krofton Montgomery says
Will the AGI be the number after deductions that you actually paid taxes on or the root amount ?
Robert Farrington says
The number you actually pay taxes on.
Bryan Gatermann says
Will state and federal taxes be withheld from this stimulus payment, and will I receive a 1099 for the 2020 tax year for this payment ?
Robert Farrington says
No, tax-free. I’m sure you’ll receive some tax form for it.
Nate Carey says
There are rumors going around that you have to pay the money back if you cash the check, is this true?
Robert Farrington says
Not true.
Eveline says
Will he have to pay it back on next years tax returns?
Robert Farrington says
No, it’s a refundable tax credit.
Brian says
That is good news, How do you know?
Thanks
Robert Farrington says
It’s in the bill! It’s a refundable tax credit for 2020 taxes that can be claimed right now.
David says
I had a child 3 weeks ago. Since that is the case, I would not have claimed her on a previous tax return. Should I still expect to have a $500 check for my child?
Robert Farrington says
No, but there will likely be a way to claim it either on your 2020 tax return or a special form.
Janet says
Will the cut off apply to a disabled adult child?
Janet says
Apologies for duplicate posts. I’m nervous
Janet says
Will the cutoff apply to a disabled adult child?
Linda says
Hello. In 2020 we started a new DJ & Karaoke Business, LLC. We had to shut things down due to the Virus on March 26th. We was averaging about 1200-2000 a month, before we had to stop. Since we started this January 2nd, 2020 and have not filed with the IRS, is there any relief in place, for new, Gig, small businesses ( No Employees?)- I was told it may be considered under Unemployment Benefits?
Thank you for your input
Robert Farrington says
Yes, you should look into unemployment and small business benefits.
Jillian Sullivan says
This question may have already been asked and I do apologize for repeating it if so however, can I change which acct to have the direct deposit go into? I had one acct for direct deposit for my taxes this year it is still active but I use another acct as well. Can I change the direct deposit info and have it deposited into my other acct instead of the one originally listed on my IRS tax return?
Second question. I get confused with the SSI, SSDI, and SSD. My son receives a monthly payment (dependant benefits/survivor benefits?) due to his father receiving benefits (not in our household) would I receive for my son as well or just myself and my other children? Thank you in advance for taking the time to answer these questions. I appreciate it.
Robert Farrington says
No, it will go to the account you have on file.
Survivor benefits don’t count for anything here.
Donald Smith says
The change of address tool is not really a tool. It is a page saying to call or mail in the change form. If you call right now, it is impossible to get through. We need to update our address, would filing for 2019 be the quickest way to do that?
We owe money for 2019. If we file now, will we still have until the July 15 deadline to pay penalty-free?
Thanks for the input.
Robert Farrington says
Yep – you set the direct withdrawal rate for whatever date you want – right up to the deadline. I would personally file and then have it debited on that date.
Tina Leone says
So, I was trying to find the answer to this question, but do we have an update on whether the stimulus check be considered income and will it be taxed at the end of the year? I’m a social worker and I’m curious if the money will be considered income and then put them over for Medicaid, food stamps etc?
Robert Farrington says
No, it’s a refundable tax credit that you’ll get now and claim on your 2020 tax return.
Robert Skidmore says
Is it based on my W2 or my Taxable Income ??
Robert Farrington says
It’s based on your adjusted gross income.
karina says
I read that self employed workers (real estate agent) are eligible for the stimulus check, but what about unemployment since everything is shut down?
Thanks so much!
Robert Farrington says
Yes, self-employment income counts – they will use your AGI.
I honestly haven’t looked at the updated unemployment rules.
Cindy berrios says
What if I did my taxes for 2018 but I don’t plan on doing 2019 due to not working that year . Will I qualify?
Robert Farrington says
Yes, they will still use your 2019 returns.
Michael Ramirez says
My will currently has a school loan that is in default and they took all of our income tax return. Will the stimulus checks be offset as well? We really need them 🙁
Michael Ramirez says
My wife currently has A student loan in default. They took all of our income tax return. Will they also take the stimulus checks?
Robert Farrington says
No, the Department of Education has waived offsets right now. See this.
With all the special programs, now’s a great time to get that loan out of default.
Robert Farrington says
No, the Department of Education has waived offsets. See this.
With all the special programs for your loans, now’s a great time to get the loan out of default and back on track.
Linda says
I took out some money from my 401k when I switched jobs in 2019. My income is below $75000 but my adjusted gross income is over $100000 because of this. Will I still be eligible for the payout?
Robert Farrington says
AGI is what they are using.
Joe W. says
Will the stimulus checks be counted as ‘Gross taxable income’ when filing next years tax returns?
Robert Farrington says
No, they are a refundable tax credit.
Jeremy Ellis says
I have moved since filing my 2019 tax return but my refund was deposited into my bank account, will I need to update my address or will it just be deposited into that account?
Robert Farrington says
If your bank account is the same you should be fine.
Mahogany L Jones says
Hello. What if you are no longer at the address where you last filed, which in my case is in 2018? Is there a way to update your address before the checks are mailed out?
Robert Farrington says
Yes, use the tool in the article.
Adriana says
My question is: eventually will we have to pay back this stimulus check back? Is this taxable?
Robert Farrington says
Nope.
Rose says
We filed taxes in 2018 when we had additional one time income. We have not yet filed for 2019. Our 2019 AGI will easily qualify for the full stimulus check, but our 2018 will not. Will we be able to file now and have the 2019 return used? Or later request an adjustment? Thank you.
Robert Farrington says
If your tax return is done, file now. Easiest solution. If you can’t, you can likely fix it when you file your 2020 tax return, but that’s a way off.
Rose says
Thank you!
Kimberly R Brennan says
I receive RSDI for disability i am not required to file taxes and havent done so for years will i be eligible for receiving a stimulas check i did work all my life prior to becoming disabled i spend every penny on living cost and struggle each month to make sure bills are paid just would like to know if i will receive any relief at all thank you for your time
Keith says
My 2018 AGI is above the 198,000 threshold but my 2019 will not be. Do you have any ‘feel’ for when I need to electronically submit my 2019 taxes so that they are the ones used or will I be able to receive the stimulus check later on after they are received months from now?
Robert Farrington says
I would submit now if you’re done. There’s no harm in filing now. Just set the direct debit date for July.
John says
(4) PAYMENTS PROTECTED FROM OFFSET AND
4 RECLAMATION.—Notwithstanding paragraph (3), a
5 payment under subsection (a) shall not be subject to
6 any reduction, offset, or levy pursuant to—
7 (A) section 3716 or 3720A of title 31,
8 United States Code;
9 (B) section 6331 of the Internal Revenue
10 Code of 1986; or
11 (C) subsection (c), (d), (e), or (f) of section
12 6402 of the Internal Revenue Code of 1986. We
Jason says
What about back child support? Will stimulus package be protected from offsets?
John says
No it will not. Child support arrears will be taken from stimulus check.
Doreen says
Does this mean if I owe back taxes , I will still receive stimulus check?
Robert Farrington says
Yes.
Windy says
Any word on tax offset and getting a stimulus check? If not when do you expect and answer?
Robert Farrington says
There will be no offset on the stimulus check.
Richard says
What about people who filed but there taxes were withheld for defaulted student loans?
Robert Farrington says
Luckily, the Department of Education is suspending tax offsets right now.
Dave says
Is there going to be a different maximum AGI limit for Joint filers with children as currently the limit is given for joint filer with no children?
Robert Farrington says
No, since claiming children already changes your AGI.
Wesley says
Thank you for compiling this information. I’m disappointed in the decision to use 2019 AGI if you have filed it. I have. In 2019, I received a severance payment (because I lost my job), which ran up my income. As a result I’ll lose more than half the benefit.
If I had not filed yet, then my 2018 AGI would have entitled me to full benefit. (For that matter, my 2020 would as well.) Doesn’t seem right that because I was prompt in filing, I’m penalized. Seems like it’s treating people differently. Oh well. Thanks again.
Kevin says
I am in the same boat as Wesley. It appears I also will be punished for doing my taxes well before the deadline. Those who have not done taxes can be rewarded by either hurrying to do them or holding off- whatever works best. I cashed out pension in 2019 to payoff medical bills and other debts and it appears that will cost me few thousand dollars in tax rebate. . Oh well- life isn’t always fair and for those who really, really need the money I hope they get it ASAP. Do you think still a chance that this tax will be paid back or maybe credited off of 2020 return?? (e.g people like Wesley and I who will likely make much less in 2020 from 2019).
Kathleen J DiGregorio says
Robert – you are a good man to answer so many questions – people are really worried right now and you offered good info.
Robert Farrington says
I appreciate it! There’s a lot of information, and sadly it changes all the time. And you can’t always trust what is said – as the actual rules come out and change anyway! So always evolving.
kevin says
can’t seem to get an answer on this but if you are an 18 year old going to college and claimed on your parents tax return do you get anything???
Robert Farrington says
It doesn’t appear to be the case.
Valerie says
I would like to know the answer to this one also
Robert Farrington says
If you are claimed as a dependent on someone else’s return (like your parents), then you don’t get a check.
Kimberly R Brennan says
my apoligies for asking the same question but i cannot see a reply to the first question i receive RSDI and am disabled and im not required to file taxes up until i became disabled i worked everyday my question is would i be eligible to receive a stimulas check from the government every cent of my funds goes out to pay bills each month i live month to month and i have nothing to spare im of course not able to work now but did for years in the past does that make me eligible
Cody says
From what I’ve read in the article, the social security office will handle the process for any and all who are on SSDI. So you should.
Joe Kinner says
If you owe taxes for 2019 or 2018 will you still receive the stimulus check?
Thx.
Robert Farrington says
Owing taxes doesn’t change anything. Many Americans owe taxes. It’s all about your AGI.
Janet says
Do you have to repay this check?
Robert Farrington says
Nope!
Marisela Mendoza says
Hi if a married couple file taxes together and made around $115.000 a year and has 4 children under 17 do they qualify for these benefits?
Robert Farrington says
See the AGI limits in the article.
Cade says
AGI 223k, married filing jointly with 2 kids. Do we receive any stimulus?
Robert Farrington says
Hmmm… check the article. It’s clearly written there.
Elizabeth H says
We claimed our 18 year old son on our taxes this year because he is still in highschool and doesnt work. Does this mean we will not get any money for him or would he need to file his own return showing he doesnt work or have his own income?
Robert Farrington says
You get nothing for him and he gets nothing either.
Tessa says
hi I’m a stay at home mother I haven’t worked for 4 years now. Would I be able to get the check or they won’t give me one since I haven’t done any taxes in 4 years
Mary says
I had my 2019 return filed with a tax preparer. I received $500 on a prepaid card and received the additional money from the IRS direct deposit in my checking account. How will my stimulus check be sent to me – paper or direct deposit?
Robert Farrington says
I’m guessing since you received a direct deposit, you’ll get your stimulus check via direct deposit.
Castillo94 says
So I just curious I got my tax return deposited to my bank last year but this years they gave me a paper check I still have access to the same account so will it be deposited to my bank account or am I receiving a check ??
Robert Farrington says
I don’t know, but you’ll still probably get a check.
Sicario says
A Kurt , Robert F is busting ass trying to answer questions ,don’t be such a good damn prick
Pamela Giarrizzo says
Thank you Robert for your compassion and patience. I have been trying to find the answer to my question and believe I found it here. I am 66 Direct Deposit of Social Security monthly. Do they have the amount of this check any where? I could not find this information. Thank you again!
Robert Farrington says
It’s in the article – based on your filing status and AGI.
Lori says
If someone had their tax refund direct deposited in their checking account but has dropped that checking acct and only has a savings acct (with the same bank) will it automatically go into the savings acct. Or will they get a paper check? Tx
Robert Farrington says
They will get a paper check.
Lisa May says
I am a sole proprietor in business for myself and I filed a 1099 for 2019, do 1099 people still receive this stimulus check?
Robert Farrington says
I hope you filed a full tax return, not just your 1099… anyway, yes – self employed individuals can get the stimulus check subject to the limits above.
Randy S says
From my reading starting at page 35 of the original Senate bill S.3548, Division B, Title I, Section 2101 it appears to say these payments are for a new Tax Credit allowed against the 2020 tax liability. Generally these will be the lesser of $1,200 or your 2020 tax liability, but not less than $600 IF you have “qualifying income” of at least $2,500 or a tax liability greater than 0 and gross income greater than the standard deduction. “Qualifying income” is any of only 3 types, being “earned income,” Social Security benefits or any compensation or pension received under Chapters 11, 13 or 15 of Title 38 of the Tax Code.
I don’t know if these are the rules that have survived into the final approved bill.
However, assuming they are. What if I was out of work in 2019 and only reported $400 of interest income on my filed return, but for 2020 have begun taking withdrawals from my IRA that will total $24,000? If they base my payment on the 2019 return, would I receive a $0 payment? Then when I file my 2020 return would I be allowed to take the $1,200 credit to reduce my 2020 liability to $0? And in that case, would I be allowed to correspondingly reduce my quarterly tax withholding from my IRA withdrawals to $0?
Robert Farrington says
We’re way beyond that original senate bill now. The current bill that is circulating (not publically but we’ve seen it), and it’s based on AGI, and is a refundable tax credit with the only payback requirements if your information is a clerical error (i.e. you received a $2,400 tax credit, but were single and should have only received 1,200). There is no income or tax minimum.
Michelle Tucker says
Just wanted to thank you for all the answers and the helpful FAQ’s. Very helpful in this stressful time.
Johnny M Hunter says
The last tax return i filed and received funds was 2016 , will i receive the financial relief passed by congress ?
Faye says
There seems to be conflicting information about whether SSI recipients are getting a check or not. When will we know for sure if its a yes or no?
Robert Farrington says
Yesterday it was no – they excluded SSI recipients. The bill today has them included – so that’s a positive. However, it’s not signed into law yet, so we just need to keep watching it.
Theresa Reed says
If u filled your taxes with HR Block and your money came on the HR Block card. Will the money come on that?
Robert Farrington says
Paper check.
Marquis says
My husband made around $115.000 last year and we have 4 children under 17,do we qualify for the stimulus,thank you.
Robert Farrington says
It’s up to your total AGI on your tax return.
John says
It looks like the actual legislative bill is going to offset taxes owed to the government. Maybe the IRS may waive it but who knows right now.
Evelyn Villarreal says
If I only made 7800.0 will I get a check
Robert Farrington says
If that amount is less than the income limits above, the yes…
Gigi says
I didn’t receive my tax return because of a school loan, will I still receive a check?
Robert Farrington says
Yes, There will be no offset on the stimulus check.
Now, get out of default ASAP and stop wasting your money on collection costs and fees.
Shawn colvin says
This guy is terrific.. For someone to answer the same questions over and over and over again for what seems to be the stupidest people on earth takes a strong constitution… Thank you sir you are taking these people by the hand and walking them through something that you know only because you read the above articles…something each and everyone of them could have done but chose the ask you the same question for the twentieth time.. God bless you..
………shawn colvin
Jesse says
Unemployment took my taxes due to overpayment. Will I see a stimulus check or will they take this check as well?
Robert Farrington says
No, there will be no offsets for the stimulus checks.
Earl Lewis says
If I owe on my taxes will they send a check without using it towards my owed taxes
Robert Farrington says
No, There will be no offset on the stimulus check.
Becky Jo says
If they are going to just take the stimulus from Americans who owe taxes (which millions of Americans owe taxes) how will that help the economy?
Robert Farrington says
What are you talking about?
Sarah says
Hi. I haven’t seen the following question answered. If I already filed for 2019 and my return was offset by student loans, are those returns being given back? Have you heard anything about this?
Robert Farrington says
If your offset was after March 13, yes it’s being refunded. If before that, no.
Ashley says
Will we have to pay this money back when we file next year?
Will they deduct it from our returns next year?
Robert Farrington says
Nope!
Jennifer walls says
For the last three years we have had our taxes withheld, 1. I owe student loans and 2. My husband is in arrears for child support. We fill joint with our 4 year old daughter. Will this check go to his ex wife, including the $500.00 for our daughter?
Robert Farrington says
There will be no offsets for the stimulus check. Get out of student loan default!
Doreen says
This is what I read on Forbes: Stimulus Checks. Both the House and Senate bills would provide immediate stimulus checks to taxpayers. Both versions would treat checks as variations on refundable tax credits. In both versions, checks would not be subject to reduction or offset.- not sure if this is accurate
Robert Farrington says
It’s accurate as of what passed tonight.
Tinka says
Hello,
FFCRA- how do I apply for this assistance if I have been put on quarantine due to reason #1 (government mandated). I am a full time employee and I have no PTO or sick leave left from my employer?
Robert Farrington says
Contact your employer about the new emergency FMLA provisions.
Christina says
I filed a 2018 return with direct deposit information but a 2019 return with no direct deposit information because I owed. Will they use my direct deposit info from 2018 or will I have to wait for a check in the mail?
Robert Farrington says
You’ll likely get a check in the mail.
Andre says
How can I change my prepaid account to my bank account to get the stimulus check i filed with Jackson hewitt and got a prepaid card
Robert Farrington says
You’ll just receive a check.
Kimberly says
Will my 18 year old receive a check ?
Robert Farrington says
Not if you claim them as a dependent.
Brandy says
I have a question I do not see that has been asked yet. About adults who were claimed as dependents? My 21 yr old son lives with me. He came home injured from the Air Force in 2018. He works a little here and there and was under the income threshold for 2019 Taxes that allowed for me (a single person) to file as head of household and claim him as the “credit for other dependent” since he is over 17. We also filed his 2019 return and put that he was claimed as a dependent. Will we both get a stimulus check, or will he not since I claimed him?
Robert Farrington says
He will not since he’s a dependent on your tax return.
Jess says
Just as they can keep tax returns for old debts or old owed taxes or penalties can they keep any of the stim check? For example my husband still owes student loans -they took all of my return and paid it toward that. Can this happen with the stim check or is it exempt
Robert Farrington says
Student loan offsets have been waived for the time being.
But now’s a great time to get out of default – there are so many benefits and programs right now to help.
Jimmy says
My wifes refund was held for student loans the past couple years by the dept of education. Will her stimulus check be held as well?
Robert Farrington says
No.
With that being said, get out of default! It’s the best time to do it with all the student loan assistance programs right now.
Janice Taylor says
I have a 20 year old daughter and 18 year old son who are both full time students and who each filed their own 2019 taxes. Because they are College students who live with me when not in college my husband and I still claim them on our taxes. Will they each receive the $1200 stimulus checks? Or will we get the $500 for each as dependents?
Robert Farrington says
If they are claimed as dependents, they get nothing. And since they are over 17, you get nothing for them.
Amanda says
I claim both my college student as depended, they don’t do their own taxes. Will they qualify or fall under the nothing bracket?
Robert Farrington says
Nothing.
Stephanie Gonzales says
The IRS kept my refund for 2019. Are they going to keep the stimulus check?
Robert Farrington says
Why did they keep your refund? If for student loans, no. If for something else, maybe.
Maria says
What if your dependent is 19 and a full-time student, will they be excluded from the stimulus or counted as an adult?
Robert Farrington says
If they are claimed as a dependent, they are excluded.
Dominique Johnson says
I filed as Head if Household, married filing separately. My AGI is $128,266 with 4 dependents for 2019. My husband has not filed 2018 or 2019 taxes…will I qualify?