As the latest federal pandemic relief package makes its way to President Joe Biden's desk, Americans may be wondering when the benefits will reach them.

The $1.9 trillion known as the "American Rescue Plan" is massive, both in size and scope. It includes direct payments to most Americans, aid to small businesses, financial help for schools and much more to help the country recover from the financial ravages of the pandemic.

The house is expected to give its final approval early this week and then it heads to Biden for his signature. The timing of its passage is crucial — most notably because s...