A Look at What’s in the Stimulus Package Trump Signed


The $900 billion package provides more relief beyond the $600 checks that have become the focus in Washington.

President Trump finally signed a $900 billion stimulus bill that includes much more than just direct payments to households.
President Trump finally signed a $900 billion stimulus bill that includes much more than just direct payments to households.Credit...Al Drago for The New York Times
Zach Montague

WASHINGTON — The $900 billion stimulus bill that President Trump finally signed into law on Sunday evening goes well beyond providing the $600 checks that became a huge sticking point in getting the legislation across the finish line.

The relief package casts a wide net with a variety of measures aimed at addressing the needs of millions of Americans, including those who have lost their jobs, as well as small businesses, nursing homes, colleges, universities and K-12 schools.

The package extends some provisions of the original stimulus package that was passed in the spring, while adding new measures to help working families who have continued to suffer amid the pandemic.

The full text of the bill ran almost 5,600 pages. Here’s a look at what’s included.

Among the most anticipated components of the legislation is the direct payment, with $600 going to individual adults with an adjusted gross income of up to $75,000 a year based on 2019 earnings. Heads of households who earn up to $112,500 and a couple (or someone whose spouse died in 2020) who make up to $150,000 a year would get twice that amount.

Eligible families with dependent children would receive an additional $600 per child.

In a change from the last round, payments will not be denied to citizens married to someone without a social security number, allowing some spouses of undocumented immigrants to claim the benefit this time around.

On Tuesday night, President Trump threatened to veto the bill because he said the payments were too low. He is advocating payments of $2,000. House Democrats planned to bring up an amendment to the bill on Thursday, an aide who was familiar with the proposal said. It is not clear how the House and Senate will act.

With millions of Americans still unemployed, Congress acted to extend multiple programs to help those out of work, albeit at less generous levels than in the spring.

The agreement would revive enhanced federal jobless benefits for 11 weeks, providing a lifeline for hard-hit workers until March 14. The new benefit, up to $300 per week, is half the amount provided by the original stimulus bill in the spring.

The legislation also extends Pandemic Unemployment Assistance — a program aimed at a broad set of freelancers and independent contractors — for the same period, providing an additional $100 per week.

School budgets have been severely crippled by the pandemic and left some of the most vulnerable students in dire academic and financial straits. The bill provides $82 billion for education, including about $54 billion for K-12 schools and $23 billion for colleges and universities.

While the package provides far more money for K-12 schools than the first stimulus bill in March, the funds still fall short of what both sectors say they need to blunt the effect of the pandemic. Many school districts that transitioned to remote learning this year were forced to make expensive adjustments to accommodate students while often shedding staff to balance their budgets. Colleges and universities are also facing financial constraints amid rising expenses and falling revenue.

“The money provided in this bill will provide some limited relief, which is welcome news to struggling students and institutions. But it is not going to be nearly enough in the long run or even the medium term,” Ted Mitchell, president of the American Council on Education, said in a statement.

The legislation includes $7 billion for expanding access to high-speed internet connections, nearly half of which will go toward helping cover the cost of monthly internet bills by providing up to $50 per month to low-income families.

The deal also sets aside $300 million for building out infrastructure in underserved rural areas and $1 billion in grants for tribal broadband programs.

The agreement sets aside $285 billion for additional loans to small businesses under the Paycheck Protection Program, renewing the program created under the initial stimulus legislation.

Updated Dec 28, 2020

The economic relief package will issue payments of $600 and distribute a federal unemployment benefit of $300 for at least 10 weeks. Find more about the measure and what’s in it for you. For details on how to get assistance, check out our Hub for Help.

    • Will I receive another stimulus payment? Individual adults with adjusted gross income on their 2019 tax returns of up to $75,000 a year would receive a $600 payment, and heads of households making up to $112,500 and a couple (or someone whose spouse died in 2020) earning up to $150,000 a year would get twice that amount. If they have dependent children, they would also get $600 for each child. People with incomes just above these levels would receive a partial payment that declines by $5 for every $100 in income.
    • When might my payment arrive? Treasury Secretary Steven Mnuchin told CNBC that he expected the first payments to go out before the end of the year. But it will be a while before all eligible people receive their money.
    • Does the agreement affect unemployment insurance? Lawmakers agreed to extend the amount of time that people can collect unemployment benefits and restart an extra federal benefit that is provided on top of the usual state benefit. But instead of $600 a week, it would be $300. That would last through March 14.
    • I am behind on my rent or expect to be soon. Will I receive any relief? The agreement would provide $25 billion to be distributed through state and local governments to help renters who have fallen behind. To receive assistance, households would have to meet several conditions: Household income (for 2020) cannot exceed more than 80 percent of the area median income; at least one household member must be at risk of homelessness or housing instability; and individuals must qualify for unemployment benefits or have experienced financial hardship — directly or indirectly — because of the pandemic. The agreement said assistance would be prioritized for families with lower incomes and that have been unemployed for three months or more.

The latest version includes stricter terms that appear intended to correct some of the unpopular elements of the original program. It caps loans at $2 million and makes them available only to borrowers with fewer than 300 employees that experienced at least a 25 percent drop in sales from a year earlier in at least one quarter. The agreement also sets aside $12 billion specifically for minority-owned businesses. And publicly traded companies will be ineligible to apply this time around.

The legislation sets aside nearly $70 billion for a range of public health measures, including $20 billion for the purchase of vaccines, $8 billion for vaccine distribution and an additional $20 billion to help states continue their test-and-trace programs.

The bill also allows a federal program that insures mortgages for nursing homes to dole out emergency loans aimed at helping hard-hit elder care centers.

The bill provides $10 billion for the child care industry, with those funds intended to help providers struggling with reduced enrollment or closures stay open and continue paying their staffs. The funds are also supposed to help families struggling with tuition payments.

In an unusual rebuke of the Trump administration’s climate policy, the deal includes new legislation to regulate hydrofluorocarbons, the powerful greenhouse gases common in air-conditioners and refrigerators.

It also allocates $35 billion to fund wind, solar and other clean energy projects.

The package will also help millions of Americans avoid unexpected — and often exorbitant — medical bills that can result from visits to hospitals.

The bill makes it illegal for hospitals to charge patients for services like emergency treatment by out-of-network doctors or transport in air ambulances, which patients often have no say about.

The compromise would protect tenants struggling with rent by extending a moratorium on evictions for another month, through Jan. 31. The Department of Housing and Urban Development separately issued a similar moratorium on Monday that protects homeowners against foreclosures on mortgages backed by the Federal Home Administration. It runs until Feb. 28.

The bill also provides $25 billion in rental assistance.

Expanding one of the most reliable channels of aid, the agreement increases monthly food stamp benefits — known as the Supplemental Nutrition Assistance Program, or SNAP — by 15 percent for six months, beginning on Jan. 1.

The overall legislation provides $13 billion for increased nutrition assistance, $400 million of which will support food banks and food pantries. An additional $175 million is earmarked for nutrition programs under the Older Americans Act, such as Meals on Wheels.