The 2021 American Rescue Plan left the door open for those who did not receive the $1,400 from the third stimulus check plan. The good news: the IRS will continue to accept claims until April 15, 2025. This applies even if you did not file taxes that year or received income from benefits such as Social Security.
The key is the Recovery Rebate Credit, which applies to not only you but also dependents such as university students or grandparents who live with you. Many people are unaware that these groups now qualify, which could result in hundreds or thousands of dollars in additional benefits. However, time is running out, and taxpayers must act quickly.
Hurry up: you’ve got to claim your stimulus check ASAP
Your eligibility is based on your 2021 adjusted gross income (AGI). The limit for singles is $75,000, while for couples it is $150,000. If you exceed these limits, the credit will be gradually reduced until it disappears. For example, if you earned $78,000 as a single, you will receive a portion of that total. If you reach $80,000, nothing remains.
Did not file taxes in 2021? Not a problem. Use IRS Free File to file your return for free, even if you have no income. Choose direct deposit to expedite the process. Since last December, the IRS has sent automatic payments to 1 million people; however, if you are not on that list, you must claim.
Errors that could cost you the tax refund
A common misconception is that benefits such as SSI or SNAP exclude you. False: These payments have no effect on your eligibility. Another myth is that adult dependents do not count.
If you have a university student or someone with a disability in charge, add $1,400 per person. Check IRS Letter 6475 or your online account to confirm your payment.
There is also confusion about deadlines. Some argue that by not working in 2021, they should not declare. Without that statement, the IRS cannot process your credit. Also, be cautious: if they contact you via message and offer payment, it is most likely a scam. The agency never initiates communication through text.
Case studies: how much could you receive?
Assume a couple with two children has an AGI of $145,000 in 2021. When filing, they could claim $5,600 (1,400 for each adult and dependent). If your AGI was $160,000, the credit is deducted. To access the full amount, a retiree with non-taxable income should simply submit the return along with their benefit information.
If you have already filed your 2021 return but forgot to include the credit, you can still correct it using Form 1040-X. Of course, this is a slower process, so complete it as soon as possible. If you have any questions, a tax professional can assist you, particularly if your case involves non-traditional dependents.
Key tools to avoid getting left behind
The IRS website provides credit calculators and step-by-step guides. If you use IRS Free File, the system will direct you automatically. Would you prefer in-person assistance? Some community centers provide free assistance. Just make sure you have your 2021 documents on hand, such as a W-2, 1099, or proof of social benefits.
One important detail: while the IRS has begun sending automatic payments, this only applies to those who have already filed their 2021 return but did not include the credit. If you never sent it, the money will not arrive on its own. You must take the initiative before the deadline in April 2025.
Don’t wait any longer: Claim your stimulus check NOW
There are less than two weeks until April 15. The IRS estimates that there is $2.4 billion unclaimed, and once the deadline passes, those funds will be lost. This money could help many families pay off debts, cover medical expenses, or deal with emergencies. Even if you believe your contribution is small, every dollar counts.
Do not wait until the last day. Online systems may become overloaded, and a technical error could jeopardize your chances. If you send your return via mail, use certified service to obtain proof of delivery. Remember that after 2025, there will be no more extensions or exceptions.
