The plan wraps in far more workers than are usually eligible for unemployment benefits, including self-employed people and part-time workers.

The bottom line: Those who are unemployed, are partly unemployed or cannot work for a wide variety of coronavirus-related reasons will be more likely to receive benefits.

It depends on your state.

Benefits will be expanded in an attempt to replace the average worker’s paycheck, explained Andrew Stettner, a senior fellow at the Century Foundation, a public policy research group. The average worker earns about $1,000 a week, and unemployment benefits often replace roughly 40 to 45 percent of that. The expansion will pay an extra amount to fill the gap.

Under the plan, eligible workers will get an extra $600 per week on top of their state benefit. But some states are more generous than others. According to the Century Foundation, the maximum weekly benefit in Alabama is $275, but it’s $450 in California and $713 in New Jersey.

So let’s say a worker was making $1,100 per week in New York; she’d be eligible for the maximum state unemployment benefit of $504 per week. Under the new expansion, she gets an additional $600 of federal pandemic unemployment compensation, for a total of $1,104, essentially replacing her original paycheck.

States have the option of providing the entire amount in one payment, or sending the extra portion separately. But it must all be done on the same weekly basis.

Apply for unemployment insurance benefits right away. The CARES Act provides a bunch of money for states to pay out folks who lose their jobs or get furloughed. Here’s how to apply: https://www.careeronestop.org/WorkerReEmployment/UnemploymentBenefits/unemployment-benefits.aspx

Next, experts say, assess your financial situation. Do you have money saved? Do you have any other sources of income? Take that all into account and make a new monthly budget. Use it as an opportunity to find out what expenses you can do without. Maybe you don’t need a paid subscription to a music streaming service. Maybe you can cancel a gym membership.

[Stimulus package offers relief for retirees with RMD waiver, penalty-free 401(k) withdrawals]

“You may see people making jokes about engaging in online retail therapy to deal with the boredom, but don’t buy into that,” said Kelley Long, a member of the financial education advocates committee at the American Institute of CPAs. “This is the time to brag about your frugality and prove to yourself how little you truly need to live on in.”

If you have a 401(k) retirement account and are younger than 59½, you can withdraw as much as $100,000 without incurring the 10 percent penalty, which has been temporarily waived under the CARES Act. You’ll still be on the hook for taxes, though.

Finally, start dusting off your resume. It’s never too early to start looking for your next job, said David M. Smith, professor of economics at Pepperdine University in Malibu, Calif. Even though businesses in your field may not be hiring during the coronavirus crisis, you’ll be better off when jobs do start appearing for having prepared for those openings.

“Use the time you have to upskill and prepare for when the country is open for business again,” he said. “Set aside adequate time for this. Make it your ‘job’ to prepare yourself for your next position.”

Before you do anything else, see if there’s any relief available for some of your bills.

If you have a mortgage, federal officials have imposed a nationwide halt to foreclosures and evictions for more than 30 million Americans with home loans backed by the Federal Housing Administration or two government-controlled companies, Fannie Mae and Freddie Mac. (Check to see if your mortgage is backed by Fannie Mae here and Freddie Mac here.)

But close to 5 million homeowners with loans valued at $3.7 trillion are not covered by federal moratoriums, according to Inside Mortgage Finance, an industry research group. Some states, including California and New York, have paused foreclosure and eviction that would also apply to those borrowers. In other states, homeowners may have to negotiate arrangements with their mortgage provider. Regulators are encouraging banks and other mortgage providers to simply extend the life of the mortgage to make up for any missed payments brought on by joblessness.

For renters, the CARES Act in most cases forbids landlords from evicting tenants for 120 days on properties secured by government-backed mortgages (though renters’ credit scores could get dinged if their landlord reports them for non-payment). But that leaves 40 million renters without protection. Some municipalities, including Los Angeles, have passed laws temporarily banning evictions. Others, and some nonprofits, have launched rental assistance funds for residents struggling to make payments.

(Here’s a blog that’s compiling information about eviction moratoriums and advice for renters who are not covered by them.)

If your landlord is an individual, rather than a management company, contact them personally to tell them you’re struggling financially, said Long, from the American Institute of CPAs, and ask for flexibility with how much you’ll pay per month until you get back on your feet.

“Call every single one of your bills and ask them what they have to offer people who are experiencing a temporary reduction in income,” she said. “Take notes and ask about any fees, additional interest, and whether they report any postponed payments to credit bureaus.”

The new law also automatically suspends payments for six months for the 42 million Americans holding $1.5 trillion in federal student loan debt.

Yes, self-employed people are newly eligible for unemployment benefits.

Benefit amounts will be calculated based on previous income, using a formula from the Disaster Unemployment Assistance program, according to a congressional aide.

Self-employed workers will also be eligible for the additional $600 weekly benefit provided by the federal government.

What if I’m a part-time worker who lost my job because of a coronavirus reason, but my state doesn’t cover part-time workers? Am I still eligible?

Yes. Part-time workers are eligible for benefits, but the benefit amount and how long benefits will last depend on your state. They are also eligible for the additional $600 weekly benefit.

If you’ve received a diagnosis, are experiencing symptoms or are seeking a diagnosis — and you’re unemployed, partly unemployed or cannot work as a result — you will be covered. The same goes if you must care for a member of your family or household who has received a diagnosis.

If you rely on a school, a day care or another facility to care for a child, elderly parent or another household member so that you can work — and that facility has been shut down because of coronavirus — you are eligible.

What if I’ve been advised by a health care provider to quarantine myself because of exposure to coronavirus? And what about broader orders to stay home?

People who must self-quarantine are covered. The legislation also says that individuals who are unable to get to work because of a quarantine imposed as a result of the outbreak are eligible.

You’re eligible for benefits. You will also be covered if you were immediately laid off from a new job and did not have a sufficient work history to qualify for benefits under normal circumstances.

It depends. Let’s say your employer didn’t lay you off but you had to quit because of a quarantine recommended by a health care provider, or because your child’s day care closed and you’re the primary caregiver. Situations like that are covered.

But this provision wasn’t intended to cover people who quit (or want to quit) because they fear that continuing to work puts them at risk of contracting coronavirus, according to congressional aides.

Yes. If you are unemployed, partly unemployed or unable to work because your employer closed down, you’re covered under the bill.

The breadwinner of my household has died as a result of coronavirus. I relied on that person for income, and I’m not working. Is that covered?

Yes.

Workers who are able to work from home, and those receiving paid sick leave or paid family leave are not covered. New entrants to the work force who cannot find jobs are also ineligible.

Many states already provide 26 weeks of benefits, though some states have trimmed that back while others provide a sliding scale tied to unemployment levels.

The bill provides all eligible workers with an additional 13 weeks. So participants in states with 26 weeks would be eligible for a total of 39 weeks. The total amount cannot exceed 39 weeks, but it may be shorter in certain states.

The extra $600 payment will last for up to four months, covering weeks of unemployment ending July 31.

How long would the broader program last?

Expanded coverage would be available to workers who were newly eligible for unemployment benefits for weeks starting on Jan. 27, 2020, and through Dec. 31, 2020.

I’m already receiving unemployment benefits. Will I receive any help?

Yes. Even if you’re already receiving unemployment benefits for reasons unrelated to the coronavirus, your state-level benefits will still be extended by 13 weeks. You will also receive the extra $600 weekly benefit from the federal government.

My unemployment recently ran out — could I sign up again?

Yes. If you’ve exhausted your benefits, eligible workers can generally reapply. But how much you get and for how long depends on the state where you worked. Everyone gets at least another 13 weeks, along with the extra $600 payment through July 31.

Are any unemployment benefits retroactive?

Maybe. If you are newly eligible for benefits, you may be able to claim state-level benefits retroactively, back to Jan. 27. But it will ultimately be determined by your state, which will consider the date that you became unemployed and any extenuating circumstances that prevented you from filing earlier, according to a representative for the Department of Labor.

People who are already receiving unemployment will not get any retroactive benefits. If your benefits run out, you’ll be eligible for the added 13 weeks of state-level benefits (as long as you continue to meet the eligibility criteria).

The extra $600 payment being paid by the federal government is also not retroactive.

Will this income disqualify me from any other programs?

Maybe. The additional $600 benefit counts as income when determining eligibility for means-tested programs, except for Medicaid and the Children’s Health Insurance Program, known as CHIP.

How long will I need to wait for benefits?

States have been incentivized to waive the one-week waiting period, but it’s unclear how long it will take to process claims — especially with state offices so strained by a flood of them.

How large will the payments be?

Most adults will get $1,200, although some would get less. For every qualifying child age 16 or under, the payment will be an additional $500.

How many payments will there be?

Just one. Future bills could order up additional payments, though.

How do I know if I will get the full amount?

It depends on your income. Single adults with Social Security numbers who have an adjusted gross income of $75,000 or less will get the full amount. Married couples with no children earning $150,000 or less will receive a total of $2,400. And taxpayers filing as head of household will get the full payment if they earned $112,500 or less.

Above those income figures, the payment decreases until it stops altogether for single people earning $99,000 or married people who have no children and earn $198,000. According to the Senate Finance Committee, a family with two children will no longer be eligible for any payments if its income surpassed $218,000.

You can’t get a payment if someone claims you as a dependent, even if you’re an adult. In any given family and in most instances, everyone must have a valid Social Security number in order to be eligible. There is an exception for members of the military.

You can find your adjusted gross income on Line 8b of the 2019 1040 federal tax return.

Not if anyone claims them as a dependent on a tax return. Usually, students under the age of 24 are dependents in the eyes of the taxing authorities if a parent pays for at least half of their expenses.

2019. If you haven’t prepared a tax return yet, you can use your 2018 return. If you haven’t filed that yet, you can use a 2019 Social Security statement showing your income to see what an employer reported to the I.R.S.

What if my recent income made me ineligible, but I anticipate being eligible because of a loss of income in 2020? Do I get a payment?

The plan does not help people in that circumstance now, but you may benefit once you file your 2020 taxes. That’s because the payment is technically an advance on a tax credit that is available for the entire year. So it will depend on how much you earn.

And there are many other provisions in the legislation. You may be able to file for unemployment or for one of the new loans for small business owners or sole proprietors.

No. If the Internal Revenue Service already has your bank account information from your 2019 or 2018 returns, it will transfer the money to you via direct deposit based on the recent income-tax figures it already has.

What if my direct deposit information has changed or I want to add it for the first time?

On March 30, the I.R.S. said on its website that it would build a portal where people can update their information “in the coming weeks.”

Treasury Secretary Steven Mnuchin has said he expected most people to get their payments by April 17. Presumably those people using the new portal would not get money until a few weeks after they are first able to provide their information. The I.R.S. has not said when those receiving paper checks would get them.

What if I haven’t filed tax returns recently? Will that affect my ability to receive a payment?

It could. “People who typically do not file a tax return will need to file a simple tax return to receive an economic impact payment,” the I.R.S. announced on its website on March 30. Included among those are many low-income taxpayers, veterans and individuals with disabilities.

The I.R.S. was quick to reassure those people that they would not somehow end up owing tax just because they are filing tax returns now, in order to make it easier to receive this one-time payment. It said it would post information “soon” on its coronavirus information page about how to file a return with “simple, but necessary” information, including direct deposit information.

If you’re worried about money that you already owe that you cannot pay, the I.R.S. recommends consulting a tax professional who can help you request an alternative payment plan or some other resolution. You may also be able to apply online without the help of a pro.

Yes.

Will eligible unemployed people get these stimulus payments? Veterans?

Yes and yes.

Yes, as long as they meet the income requirements and have a Social Security number.

According to the bill, you will get a paper notice in the mail no later than a few weeks after your payment has been disbursed. That notice will contain information about where the payment ended up and in what form it was made. If you couldn’t locate the payment at that point, it would be time to contact the I.R.S. using the information on the notice.

No. In fact, the bill temporarily suspends nearly all efforts to garnish tax refunds to repay debts, including those to the I.R.S. itself. But this waiver may not apply to people who are behind on child support.

Unemployment compensation is designed to be a partial replacement of earnings rather than a total compensation for lost wages. An individual may be considered partially unemployed due to the loss of one job, but eligibility for payments will be dependent on earnings for each week of benefits claimed. If earnings for the week are 20% or less of the claimant’s weekly benefit amount, then the full weekly amount may be payable. Earnings over 20% of the weekly benefit amount will reduce the payment dollar for dollar. If the weekly earnings are equal to or greater than the weekly benefit amount, then no benefit will be payable.

Workers must meet these three qualifications: 1) ineligible for any other state or federal unemployment benefits; 2) unemployed, partially unemployed, or cannot work due to the COVID-19 public health emergency; and 3) cannot telework or receive paid leave. This includes workers like those who are self-employed, how independent contractors, gig economy workers, and those who do not have sufficient work history to qualify for regular benefits.

These workers are now eligible for a temporary federal program called Pandemic Unemployment Assistance that provides 39 weeks of unemployment benefits.

If you’re furloughed, you likely will hold on to your health insurance. Check with your employer about how you’ll make contributions while going without a paycheck. If you’ve been laid off, your benefits usually end when you leave your job, which leaves you with two main options. You can keep your employer’s plan for up to three years with a federal program called COBRA, but you have to pay for premiums yourself. (Learn more about COBRA here.) For most people, the cheaper option is purchasing insurance through the Affordable Care Act, commonly known as Obamacare. Since you’ve lost your job, you may get a hefty government subsidy that will make a policy purchased through Healthcare.gov or your state’s health insurance marketplace more affordable. While you’re signing up, the online registration portal will also tell you whether you qualify for Medicaid or if children in your household qualify for the Children’s Health Insurance Plan. (Learn more about Healthcare.gov policies here.)