Stimulus Check: Why You Might Not Get Another Payment

Immigrants

First up, stimulus checks might be even more fraught for immigrants and their spouses in the second round than they were back in March. The CARES Act prevented people with "nonresident alien" status from receiving a stimulus check, even if they paid taxes to the U.S. government. The main requirement was that they have a Social Security number, so even noncitizens could qualify in some circumstances.

This time around, the Democrats' new plan would extend the eligibility to those with a "taxpayer identification number" as well — a designation by the IRS to keep track of noncitizen taxpayers. This would also smooth the process for spouses of nonresident aliens, who were left out of the stimulus check program in some cases if they filed taxes jointly with their partner. Those issues may be avoided this time around.

Child Support

The first stimulus check was exempt from nearly all debt collection, with the exception of overdue child support payments. The Democrats' HEROES Act would change that in its current form, preventing even this money from being taken out of emergency aid funding. However, the Republicans' latest HEALS Act kept this provision in, meaning overdue child support would be garnished from your stimulus check before you received it.

Deceased

Stimulus check eligibility is determined by the data from your latest tax filing, and for many Americans, things have changed since then. That often includes otherwise eligible taxpayers passing away, only for their loved ones to receive stimulus checks months later.

The IRS mistakenly sent about 1.1 million stimulus checks to deceased Americans in April, according to a report by CNET, and they are hoping not to repeat that mistake again. However, there could be complications if a spouse has passed away after filing joint taxes with a widow or widower, or if a dependant has passed away. Keep in mind what information the IRS may have on your family structure as the next stimulus check approaches.

Incarcerated

A contentious legal battle broke out in the spring when the IRS argued that inmates in prison and jail were not eligible for stimulus checks. A federal judge in California reportedly forced them to rescind this policy, allowing inmates to file for payments since there was no specific language preventing it in the CARES Act. However, the IRS has appealed this decision, so the eligibility rules could be more specific when the next bill rolls around.

Ineligible - Single

The simplest reason you might be ineligible for a stimulus check is your adjusted gross income — or, AGI — which was recorded on your most recent tax filing. For a single taxpayer, they will get the full $1,200 stimulus check if their AGI is $75,000 per year or lower.

The check will then decrease by $5 for every additional $100 on their AGI — so, a person who made $75,100 on their last tax filing would get $1,195, a person making $75,200 would get $1,190, and so on. With an AGI of $99,000 or more, there would be no stimulus check.

Ineligible - Head of Household

A similar structure is in place for taxpayers who file as a "head of household" — meaning, those who do not file taxes jointly, but do claim a dependent. For them, they would get a full stimulus check with an AGI of $112,500 or lower. Once again, the amount decreases incrementally up to an AGI of $146,500.

Ineligible - Joint Filers

Finally, married couples who both work and who file taxes jointly have their own eligibility system in place, with all the amounts basically doubled from those of a single taxpayer. The couple would get a $2,400 stimulus check if their combined AGI was $150,000 or less. The amount would decrease incrementally from there, and with an AGI of $198,000 or more, there would be no stimulus check at all.