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12月21日,美国国会投票通过了9000亿美金的新冠救助法案包括向美国人直接支付600美元并在未来11周内提供每周300美元的失业补助金等。
自1月1日起,许多小伙伴都陆续收到了这笔补助金 direct deposit 转账!美国税务局 IRS 官方则称,补助金将于1月4起开始发放,1月底完成发放,所有符合条件的家庭和个人将自动收到补助金。
然而还有很多小伙伴翘首以待,好玩君今天就给大家带来详细攻略,解答关于第二轮补助金的发放条件,以及没有收到补助金的小伙伴如何补申的方法
赶紧分享给你身边的亲人朋友,尤其是需要手动填报申报的人千万不要错过这一大笔钱哦~ (注:全部资料来自国税局官网 IRS.gov)
1. 谁能拿到补助?
只要你在2020年是美国公民 U.S. citizen 或美国居民外国人 U.S. resident alien 拥有社安号 social security number(在2020税年有效),并且不是其他人的 dependent,你就将会收到补助。如果你2019税年没有报税,你需要主动申请领取补助金
Generally, you are eligible to receive an Economic Impact Payment if you were a U.S. citizen or U.S. resident alien in 2020, cannot be claimed as a dependent of another taxpayer for tax year 2020, and have a Social Security number valid for employment that is issued before the due date of your 2020 tax return (including extensions).
2. 补助金有多少?
个人年收入低于 $75,000 美金的纳税人,可以拿到$600
夫妻合计年收入少于 $150,000 美金,可以拿到$1200
每个17岁以下的孩子可以拿到$600;17岁及以上的dependent拿不到补助金。
The $600 checks will only go out to individuals making less than $75,000 a year or couples making less than $150,000. In addition, those with qualifying children will also receive $600 for each qualifying child. Dependents who are 17 and older are not eligible for the child payment.
年收入在$ 75,000到$ 100,000之间的个人,补助金额将逐渐按比例减少,而年收入在$ 100,000以上的个人将不会获得补助。
Similar to the CARES Act, individuals making between $75,000 and $100,000 will receive gradually smaller payments while individuals making $100,000 or more will not receive a stimulus check.
3. 个人收入如何计算?
个人收入将根据2019报税金额计算
The government will use 2019 tax returns to set the payment amounts.
4. 是否有更多人能收到第二次经济补助?
会。根据4月份的《 CARES法案》,夫妇中只有一个成员具有社安号的夫妇,通常没有资格获得补助金(除非是军人)。但第二次经济补助的新法律修改并扩展了该条款,使更多的人符合资格
Under the earlier CARES Act, joint returns of couples where only one member of the couple had a Social Security number were generally ineligible for a payment – unless they were a member of the military. But this month’s new law changes and expands that provision, and more people are now eligible. 
因此,上述例子的家庭中,符合条件(具有工作资格 SSN)的纳税人和家庭中的子女,将能够收到补助金。没有收到付款,可以在2020报税中申请  Recovery Rebate Credit “回收回扣信用额度”。
In this situation, these families will now be eligible to receive payments for the taxpayers and qualifying children of the family who have work-eligible SSNs. People in this group who don’t receive an Economic Impact Payment can claim this when they file their 2020 taxes under the Recovery Rebate Credit. 
5. 补助金如何发放?
大部分符合条件的纳税人都会自动收到经济补助,包括:
  1. 如果你有进行2019年报,并且向IRS报备了你的银行账户信息,这笔补助金会直接通过 direct deposit 转账到你的银行账户
  2. 如果你领取退休金、残疾人或幸存者补助金,如果你领取铁路退休金,如果你是补充安全收入(SSI)和退伍军人事务受益人,即使你没有2019年报税,该笔补助金也将用同样的方式打到你的账户。
Payments are automatic for eligible taxpayers who filed a 2019 tax return, those who receive Social Security retirement, survivor or disability benefits (SSDI), Railroad Retirement benefits as well as Supplemental Security Income (SSI) and Veterans Affairs beneficiaries who didn’t file a tax return. 
如果你在第一次补助金发放期间,有在IRS的官网 IRS.gov 上登记你的信息(即在2020年11月21日之前,使用 Non-Filers tool 主动登记你的资料),你也会自动收到补助金
Payments are also automatic for anyone who successfully registered for the first payment online at IRS.gov using the agency’s Non-Filers tool by November 21, 2020 or who submitted a simplified tax return that has been processed by the IRS.
如果你没有直接存款信息 direct deposit 登记在册,你将以邮寄支票 check 或借记卡 debit card 的形式收到付款。对于此类人员,付款将在1月底完成
For those without current direct deposit information on file, they will receive the payment as a check or debit card in the mail. For those in this category, the payments will conclude in January.
你可以登录国税局官网查询你的补助金发放情况。
you may check the status of your payment at IRS.gov/getmypayment

6. 如果没有收到补助金,如何在2020年报税时补领?
对于那些符合资格但由于某种原因没有收到付款的人(比如:你没有报2019年税,你没有收入or收入太低不需要报税),可以在2021年提交2020年纳税申报表领取补助金。需要在2020报税表格1040或1040-SR中,申报 Recovery Rebate Credit “回收回扣抵免额”选项
For those eligible but who don’t receive the payment for any reason, it can be claimed by filing a 2020 tax return in 2021. 
People will see the Economic Impact Payments (EIP) referred to as the Recovery Rebate Credit (RRC) on Form 1040 or Form 1040-SR since the EIPs are an advance payment of the RRC.
国税局建议大家仔细检查自己是否符合条件,如果没有获得全部补助金,如:2020年新生子女、2020年新毕业工作的大学生2020年薪水大幅缩水到符合补助标准线内
,都可能符合领取补助金,需要在2020年报税时主动申请。

The IRS urges taxpayers who didn’t receive a payment this year to review the eligibility criteria when they file their 2020 taxes; many people, including recent college graduates, may be eligible to claim it. If you didn’t get the full Economic Impact Payment, you may be eligible to claim the Recovery Rebate Credit.
如果2020年你的薪水升值超过了 $75,000(且没有孩子)或夫妻合计收入超过了$150,000(且没有孩子),你不需要退回差额
7. 什么是 Recovery Rebate Credit?
Recovery Rebate Credit “回收回扣信用额度”是由《冠状病毒援助,救济和经济安全(CARES)法案》以及与COVID相关的《税收减免法案》授权的。这是针对您2020年所得税的税收抵免。通常,此抵免额会增加您的退税额减少您所欠的税额
The Recovery Rebate Credit is authorized by the Coronavirus Aid, Relief, and Economic Security (CARES) Act and the COVID-related Tax Relief Act. It is a tax credit against your 2020 income tax. Generally, this credit will increase the amount of your tax refund or decrease the amount of the tax you owe.
Recovery Rebate Credit  “回收回扣信用额度” 适用于2020年和2021年初的两轮补助金,也被成为第一次和第二次经济影响补助金。
The Recovery Rebate Credit was eligible to be paid in two rounds of advance payments during 2020 and early 2021. These advanced payments of the Recovery Rebate Credit are referred to as the first and second Economic Impact Payments.
如果你想要申请 Recovery Rebate Credit “回收回扣信用额度”,即使您通常不需要报税,也必须提交1040表格或1040-SR表格。收入在72,000美元以下的任何人都可以通过IRS免费档案计划,免费以电子方式提交联邦纳税申报表。
You must file Form 1040 or Form 1040-SR to claim the Recovery Rebate Credit even if you are normally not required to file a tax return. Anyone with income of $72,000 or less can file their Federal tax return electronically for free through the IRS Free File Program.
更多信息可以登录网站 www.irs.gov/newsroom/recovery-rebate-credit
8. 我的税收记录会显示我收到了补助金吗?

我们在收到第一轮和第二轮补助金付款后,将收到国税局IRS的通知或信件,说明付款金额。我们需要将这些通知和信件保留,作为报税记录的补充资料

People will receive an IRS notice, or letter, after they receive a payment telling them the amount of their payment. They should keep this for their tax records.

祝大家都顺顺利利得拿到补助金!希望每个人都平平安安度过疫情!
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