Can I Still Get A Stimulus Check
If you think youre eligible for a COVID stimulus payment or the 2021 child tax credit, and didnt already receive those funds, you can file a simple tax return by visiting ChildTaxCredit.gov.
But youll need to move quickly. Thats because if youre not required to file a tax return, this year’s deadline to file a simplified return is November 15. If you are required to file, but missed the April 18 filing deadline, you have until on ChildTaxCredit.gov and see if youre eligible to receive a stimulus payment or child tax credit.
However, if you don’t owe taxes to the IRS, the IRS has said that you can still file your 2021 tax return, and claim the Child Tax Credit for the 2021 tax year, at any point until April 15, 2025. But because that can get confusing, it’s probably best to file for the 2021 tax year as soon as you can.
According to the Government Accountability Office, groups that were most likely to have missed out on pandemic relief stimulus payments or the child tax credit , were people who never filed a tax return or who filed for the first time during the pandemic. The federal government also had difficulty getting stimulus checks and child tax credits to people without bank accounts or reliable internet access, and people who were experiencing homelessness in 2020 and 2021.
Who Is Eligible For The Second Stimulus Check
Eligibility is primarily based on four requirements:
1. Income: The income requirements to receive the full payment are the same as the first stimulus check.There is no minimum income needed to qualify for the payment. Households with adjusted gross income up to $75,000 for individuals will receive the full payment. This stimulus payment starts to phaseout for people with higher earnings. The second stimulus check maximum income limit is lower than the first stimulus check. Single filers who earned more than $87,000 in 2019 are ineligible for the second stimulus check.
View the chart below to compare income requirements for the first and second stimulus checks.
|Income to Receive Full Stimulus Payment||First Stimulus Check Maximum Income Limit||Second Stimulus Check Maximum Income Limit|
2. Social Security Number: This requirement differs from the original eligibility for the first stimulus check. Originally under the first stimulus check, if you were married filing jointly, both spouses needed valid Social Security numbers . If one spouse had an Individual Taxpayer Identification Number , then both spouses were ineligible for the stimulus check. For married military couples, the spouse with an SSN could still get the stimulus check for themselves but not the other spouse with an ITIN.
Former first stimulus check rules:
Second stimulus check rules:
Former first and second stimulus check rules for military filers:
Is There A Deadline To Get My Second Stimulus Check
All second stimulus checks were issued by January 15, 2021. If you didnt get a second stimulus check by then , you can claim your second stimulus check as the Recovery Rebate Tax Credit on your 2020 tax return or use GetCTC.org if you dont have a filing requirement.
If youre required to file taxes:
The deadline to file your 2020 tax return was May 17, 2021. The tax filing extension deadline is October 15, 2021. Many tax filing software programs close after this date. If you can find an online tax filing program that is still accepting 2020 tax returns, you can file a tax return to get your stimulus checks even though the deadline has passed.
If you dont owe taxes, there is no penalty for filing late. If you owe taxes, you may be subject to penalties and fines for not filing or not paying taxes. The government may reduce your tax refund to pay for any taxes you owe and other federal and state debts.
If youre not required to file taxes:
The deadline to use GetCTC.org is November 15, 2021. You can get the Recovery Rebate Credit using GetCTC.org, a simplified tax filing portal for non-filers. GetCTC is an IRS-approved service created by Code for America in partnership with the White House and U.S. Department of Treasury. You can use the portal even if youre not signing up for the Child Tax Credit advance payments.
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What To Do If One Of The Three Stimulus Checks Hasnt Arrived
About 15 days after the IRS sends out your check, you should receive a letter from the agency confirming the payment. When the first round of stimulus checks went out last year, that letter included two hotline phone numbers because thousands of agents were available to help. But with the second and third rounds of checks, the IRS changed its tune, and these phone numbers may be disconnected.
Here are common scenarios that might indicate you need to look into your stimulus payment:
- If youre one of the millions of people who qualified for the first stimulus check but never got it.
- If your second stimulus check has still not arrived.
- If you got a letter from the IRS saying your third check was sent, but never received the payment. Or, if the IRS Get My Payment portal said your payment was sent, but you didnt get it.
- If you got some of your stimulus money from any payment, but not all of it.
You should also confirm youre qualified to get the stimulus payment, since not everyone who received a previous check is qualified this time. If you think its time to take action, read for more options.
If I Had A Baby In 2021 Can I Get Stimulus Money For Them When I File My Taxes
If you had a baby in 2021, the IRS did not have information on your new baby when they issued the third round of stimulus payments based on your latest tax filing . Since they didnt have the information for your new baby, you can get the stimulus for your new baby in the form of a recovery rebate credit when you file your 2021 taxes.
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How To Claim Your Recovery Rebate Credit
If you never received your third stimulus check, you can still get your funds. Rather than free money, this check was actually an advance on a tax credit called the Recovery Rebate Credit. People who received the third stimulus check arent eligible to receive the credit on their taxes. If you have never received your third stimulus check, however, you may be able to claim the Recovery Rebate Credit on your taxes. Similarly, many parents received advance payments on their Child Tax Credit throughout 2021.
If you didnt get your check by the time youre ready to file taxes for 2021 in 2022, you could claim the 2021 Recovery Rebate Credit on your taxes. The IRS stopped issuing the third stimulus check in December 2021. Keep in mind that filing for the tax credit doesnt automatically mean youll get an extra $1,400 in your refund. Rather, the tax credit reduces your taxable income by the number of dollars the credit is worth. If you were eligible for $2,800 in third stimulus payments and your taxable income was $50,000, for example, you could subtract the $2,800 from the $50,000 to be taxed on $47,200 instead.
Although its not the same as getting a check, it has a similar financial impact to putting the amount of the check back in your pocket. The reduction in taxable income lowers the amount of taxes youll owe. If you owe money on your taxes, youll owe less by claiming the rebate credit. If you receive a refund, itll become higher.
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How To Track Your Stimulus Payment
The good news is that in many cases, the third stimulus payment may still be on the way if you havent received it yet. If youre still waiting on your money, you can keep an eye on the mail for a paper check or prepaid debit card.
If you want to see whats landing in your mailbox before the mailman arrives, you can use the USPS Informed Delivery system tool to keep an eye on any paper checks or debit cards headed your way.
You can also track your payment through the IRSs Get My Payment tool. This tool gives you information on whether youre in line to receive a stimulus payment. If you are, the tool will tell you how and when it will be sent to you.
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What If Letter 6475 Says That I Received Money But I Didn’t
First, the IRS recommends that you check your bank account records for 2021 to make sure. They particularly advise looking for deposits from the IRS in spring or early summer.
Next, check your online IRS account. The info on the IRS website will be more up to date than Letter 6475, particularly if a payment was returned. If your online account says that you received stimulus payments, but you didn’t see the money, you should contact the IRS immediately to see if a payment trace is required.
I Got A Notice 1444 In The Mail Should I Keep It
Yes. Notice 1444 specifies the payment amount you received for the first Economic Impact Payment in 2020, while Notice 1444-B will note the amount of your second stimulus payment. If you need to complete the Economic Recovery Rebate Credit worksheet on your 2020 tax return, youâll need to refer to Notice 1444 and Notice 1444-B for the amount you received. Even if you received the full stimulus payment amount, retain this notice with your 2020 tax records.
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Find Out Which Payments You Received
To find the amounts of your Economic Impact Payments, check:
Your Online Account: Securely access your individual IRS account online to view the total of your first, second and third Economic Impact Payment amounts under the Economic Impact Payment Information section on the Tax Records page.
IRS EIP Notices: We mailed these notices to the address we have on file.
- Notice 1444: Shows the first Economic Impact Payment sent for tax year 2020
- Notice 1444-B: Shows the second Economic Impact Payment sent for tax year 2020
- Notice 1444-C: Shows the third Economic Impact Payment sent for tax year 2021
Letter 6475: Through March 2022, we’ll send this letter confirming the total amount of the third Economic Impact Payment and any plus-up payments you received for tax year 2021.
You will need the total payment information from your online account or your letter to accurately calculate your Recovery Rebate Credit. For married filing joint individuals, each spouse will need to log into their own online account or review their own letter for their half of the total payment.
Why Did I Receive A Debit Card
The IRS issued millions of debit cards to taxpayers in lieu of second stimulus checks, but will be sending out fewer debit cards out for the third payment. The prepaid Visa debit cards, issued by MetaBank, are called Economic Impact Payment cards. Your EIP card will arrive in a white envelope with “Economic Impact Payment Card” in the return address. You’ll need to activate the card by calling the phone number that comes with the card and choosing a 4-digit PIN number.
You can use your EIP card for purchases or use it to withdraw cash . You can also transfer the funds from your EIP card directly into your own bank account, after you register for online access.
If you use the card wisely, it will be free, but there are some fees to be aware of. If you use an out-of-network ATM or a bank teller to withdraw cash, you may need to pay a fee, and if you check the balance of the debit card, at either an in-network ATM or an out-of-network ATM, you will be charged a small fee.
The IRS has announced that the vast majority of taxpayers should receive their third stimulus payment by direct deposit this time.
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When Will I Get The Recovery Rebate Credit
You will most likely get the Recovery Rebate Credit as part of your tax refunds. If you electronically file your tax return, you will likely receive your refund within 3 weeks. If you mail your return, it can take at least 8 weeks to receive your refund.
Claiming the Recovery Rebate Credit will not delay your tax refund. However, if you dont claim the correct amount of the Recovery Rebate Credit, your refund may be delayed while the IRS corrects the error on your return. The IRS will send you a notice of any changes made to your return.
You can check on the status of your refund using the IRS Check My Refund Status tool.
Who Qualifies To Receive The Stimulus Payment For Minor Children When Parents Are Divorced
Divorce decrees may include a decision about who can claim the minor children as dependents on their tax returns. Parents may take turns claiming children. The parent who claims the children qualifies to receive the stimulus payment. If you believe the other parent received stimulus money in error, you may have to file a tax return to claim the full amount of the stimulus, or you might have to work this out in domestic relations court.
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Filing A Payment Trace To Find Missing Stimulus Money
You can request an IRS payment trace if you received the confirmation letter from the IRS that your payment was sent , or if the Get My Payment tool shows that your payment was issued but you have not received it within certain time frames. This is the case for all three checks. Check out our guide to requesting an IRS Payment Trace here.
What Is The Recovery Rebate Credit
The recovery rebate credit is a refundable tax credit that can be claimed on your 2021 return if you did not receive your third stimulus check or received the wrong amount.
An important thing to understand about the third stimulus payment is that it was technically an advance on the 2021 tax credit. Because the IRS did not yet have access to your 2021 tax information when the advance payments were sent out, the agency relied on the most recent information they had on file for you to determine how much to send you based on that years income, number of dependents and other qualifying information.
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Who Is Eligible For The Third Stimulus Check
1. Income: The income requirements to receive the full payment are the same as the first and second stimulus checks. There is no minimum income needed to qualify for the payment. Households with adjusted gross income up to $75,000 for individuals will receive the full payment. The third stimulus payment starts to phaseout for people with higher earnings. The third stimulus checks maximum income limit is lower than the first and second stimulus check. Single filers who earned more than $80,000 in 2020 are ineligible for the third stimulus check.
View the chart below to compare income requirements for the first, second, and third stimulus checks.
|Income to Receive Full Stimulus Payment||First Stimulus Check Maximum Income Limit||Second Stimulus Check Maximum Income Limit||Third Stimulus Check Maximum Income Limit|
2. Social Security Number: This requirement is different from the first and second stimulus check.
Any family member that has a Social Security number or dependent can qualify for the third stimulus check. For example, in a household where both parents have ITINs, and their children have SSNs, the children qualify for stimulus checks, even though the parents dont.
See the chart below for further explanation of how this works.
What If I Didnt Receive My Stimulus Check
If you believe you didnt get your stimulus check, verify your bank statements from last year.
Add the deposited money from the federal government, and if the math doesnt fail, you have your full amount.
If you requested the money online, sign in and check the economic impact payment information section, or the CTC portal to view your payments.
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What Information Will The Trace Provide Me
The IRS will process your claim for a missing payment in one of two ways:
- If the check was not cashed, they will reverse your payment and notify you. If you find the original check, you must return it as soon as possible. You will need to claim the 2020 Recovery Rebate Credit on your 2020 tax return to receive credit for EIP 1 and EIP 2, and then claim the 2021 Recovery Rebate Credit on your 2021 tax return for EIP 3, if eligible.
- If the check was cashed, the Treasury Departments Bureau of the Fiscal Service will send you a claim package that includes a copy of the cashed check. Follow the instructions. The Treasury Departments Bureau of the Fiscal Service will review your claim and the signature on the canceled check before determining whether the payment can be reversed. If reversed, you will need to claim the Recovery Rebate Credit on your 2020, or 2021 return depending on what EIP payment in reference, if eligible.