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  • COVID-19: Stimulus Bill (Phase 3)
    Updated On: Apr 01, 2020

    Stimulus Bill (Phase 3)

    The "Phase 3" stimulus bill which originated in the US Senate has now passed the US House and has been signed by the President. Below is basic information about the bill, as well as a link to a calculator created by the Washington Post which gives an estimate for the amount of your stimulus check, and a link to a thorough Frequently Asked Questions article about the stimulus bill by the New York Times.

    Washington Post Stimulus Bill - Check Estimate Calculator

    New York Times Stimulus Bill Frequently Asked Questions (FAQ)

    This stimulus bill, also being referred to as Phase 3, includes several important provisions to help the American working class during the COVID-19 crisis. It is expected to be followed by a Phase 4 bill in late April to further address the situation as it stands at that point.

    Included in the bipartisan bill are direct stimulus checks that will be sent to working people, and a massive expansion of unemployment insurance for those who have lost their jobs, been laid off, or furloughed as a result of COVID-19.

    Stimulus Checks

    Most American adults will receive $1,200 dollar checks. There will also be additional $500 dollar checks for every qualifying child who is 16 or younger. Single adults making less than $75,000 should get the full amount of the stimulus check. Married couples filing jointly making less than $150,000 should receive a total of $2,400, or more with children. Those who make more than these amounts will see the checks decrease incrementally until there is no check at all for single adults making $99,000 or more, and married couples with no children making $198,000 or more.

    The stimulus checks will be based on your adjusted gross income on your 2019 tax returns, or your 2018 tax returns if you have not filed taxes this year.

    For further information about the stimulus checks, please check the New York Times FAQ linked here.

    Unemployment Insurance Expansion

    Unemployment has been expanded in the phase 3 stimulus bill to assist those who have been laid off, furloughed, or lost their job entirely as a result of the COVID-19 outbreak. In addition, it expands eligibility to more part-time workers, and also self-employed, gig economy, and independent contractor workers who have been impacted.

    The expansion is an attempt to replace the average worker's paycheck. The bill allows for a Federal supplement of up to $600 dollars per week on top of whatever unemployment benefit a person is receiving from their state. This additional payment will last for up to four months.

    The expansion has also extended unemployment benefits for an additional 13 weeks on top of what is already offered in your state, up to a maximum of 39 weeks.

    For further information about the Unemployment Expansion, please check the New York Times FAQ linked here.

    Student Loans

    Until September 30th, automatic payments will be suspended for any student loan held by the federal government.

    For further information about the Student Loan Payment Freeze, please check the New York Times FAQ linked here.

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