Will Senior Citizens Get a Coronavirus Stimulus Check in 2020?

Coronavirus Stimulus Checks

Many are asking, will senior citizens get a stimulus check in 2020? There’s been some confusion over who will receive and when coronavirus stimulus checks will be sent.

Coronavirus Guide for Senior Citizens (COVID-19)

Our senior citizen readers are especially concerned as so many are on a fixed income or are considered low-income.

According to the government, it estimates that checks will be sent as early as April 6th, 2020.  We suspect it could take a few weeks according to what’s being reported.

[Update: The bipartisan bill (H.R. 748) passed in the Senate on the evening of March 25th, 2020 by a vote of 96 to zero. ]

What’s New in the Final Stimulus Bill?

  • New consideration was given to Head of Household filers
  • Social Security recipients / non-filers are included in the stimulus
  • Tax Liability requirements removed
  • Minimum income requirements removed

The “Coronavirus Aid, Relief, and Economic Security Act” or the “CARES Act” has been described as a bill “to provide emergency assistance and health care response for individuals, families, and businesses affected by the 2020 coronavirus pandemic.”

In reference to stimulus checks, the bill was written to consider income from your filed tax return from 2018 (2019 if filed and when the previous year is unavailable) or social security 1099. Income and US residency is the only determining factor, NOT age.

Here are the common questions we are receiving from seniors about this stimulus package.

Will Low-Income Seniors Get a Coronavirus Stimulus Check?

Yes, the bipartisan bill that passed removed the “qualifying income” requirements and tax liability limitations making more seniors eligible.

Any income to include social security can now be considered in this bill.

Many have espoused this bill as being somewhat less generous with low-income earners. Take a look back at our article on the 2001 stimulus package:

Are Retired Seniors Included in the Stimulus Package?

Yes, from what we can tell, all seniors will receive something as long as their income isn’t above the stated limitations below. Most retired seniors aren’t making over $75,000 a year, so we can safely assume you’ll receive the full amount.

Will Seniors Who Don’t File Taxes (or Social Security) Get Money from this Stimulus?

Yes, you are not required to file federal income taxes to receive a stimulus check.

Will Coronavirus Affect Social Security for Seniors?

The government will use either your Form SSA-1099 (Social Security Benefit Statement) or Form RRB-1099 (Social Security Equivalent Benefit Statement) to determine how much you will receive.

Will Some Seniors Be Excluded from the 2020 Stimulus Package?

Yes, but only high-income earners with no qualifying dependent children.

Can Banks Keep Stimulus Payments from Seniors?

What are some examples of seniors that will be left out?

  • Single seniors making over $99,000 per year with no dependent children
  • Married joint-filing seniors making over $198,000 per year with no dependent children

How and When Will Seniors Receive Their Stimulus Check?

How seniors receive their stimulus payment totally depends on the individual. For those that receive direct deposit through social security or when they file taxes will get it that way. For those that have physical checks mailed to them, will get them that way.

We suspect that payments will start sometime in April 2020.

The IRS has now provided the option for you to check your payment status.

You can do the following on the IRS Economic Impact Payments webpage:

  • Monitor your payment
  • Select check or direct deposit payment
  • Enter banking direct deposit information
  • Update your mailing address for checks

How Much Will My Coronavirus Stimulus Check Be?

Hint: Check out our calculator below.

We’ve put together a simple table for you to estimate how much you receive according to this bill.

By default, your stimulus check will be $1,200 ($2,400 for joint filers).

An additional $500 stipend will be added for each qualifying dependent children.

Dependent Children
Qualifying Children Check
Number of Children = x $500(x)*

* Example, 3 qualifying children = $1,500

Single Filers / Non-Filers^
Adjusted Gross Income Check
up to $75,000 $1,200
$75,000 + $100(x) $1,200 – $5(x)
$99,000+ $0

+ Example $75,100 would receive $1,195 (or Tax Liability if lesser)
* Form 1040 line 22 for most (i.e. “Amount You Owe” line)
^ Non-Filers include Social Security and pension recipients

Head of Household Filers
Adjusted Gross Income Check
up to $112,500 $1,200
$112,500 + $100(x) $1,200 – $5(x)
$136,500+ $0

+ Example $112,600 would receive $1,195 (or Tax Liability if lesser)
* Form 1040 line 22 for most (i.e. “Amount You Owe” line)

Joint Filers
Adjusted Gross Income Check
up to $150,000 $2,400
$150,000 + $100(x) $2,400 – $5(x)
$198,000+ $0

+ Example $150,100 would receive $2,395 (or Tax Liability if lesser)
* Form 1040 line 22 for most (i.e. “Amount You Owe” line)

More pages: Next »

Our Sponsors

Your ad could be here.

Advertise on Suddenly Senior


This top-ranked site now has over 4,000 pages of humor, nostalgia, senior advocacy and useful information for seniors 50+. Updates weekly!

The daily e-zine for everyone over 50 who feels way too young to be old.

"...the perfect mix of Andy Rooney, Dave Barry, and Garrison Keilor, combining knee-slapping humor with useful information and genuine compassion."

"Thousands look to and trust Suddenly Senior. Other Websites pale in comparison to the real-life, intimate look into senior lives. What sets apart Suddenly Senior is its blistering honesty and its incomparable encouragement. Millions need guidance."

Suzette Martinez Standring

"Best Senior Site ever on the Web! Great, up-to-date information on how seniors can save money on drugs. Wonderful nostalgia. Hard-hitting senior advocacy pieces that get read in high places. Wonderful humor. It's all at Suddenly Senior."


Now read by 3.1 million in 83 newspapers from Florida's St. Petersburg Times to the Mumbai, India News.