Stimulus checks and SSDI, SSI: Third payment changes, how to claim missing money and moreFebruary 17, 2021
If you’re one of the millions of Americans who receive Supplemental Security Income or Social Security Disability Insurance, you were supposed to automatically receive a. But for many people, that money never appeared, leaving you wondering: How can I , even if ? Will I be able to get a ? Will any of the change?
Congress continues work this this week onwith a . The , is set to include some significant changes around , and the and their can get. If you started or stopped receiving SSI or SSDI in either 2019 or 2020, the timing of when you file your taxes this year from a .
If you never received all or part of youror — or if any payments for your eligible are missing — we’ll walk you through right now. We’ve also got answers to questions about stimulus checks, SSI and SSDI, including eligibility, how your third payment might arrive and what else to expect. This story is updated often.
I never received a first or second stimulus payment. What happened?
According to the IRS, people who receive Social Security retirement, SSDI, SSI and Railroad Retirement benefits, as well as Veterans Affairs beneficiaries, were automatically eligible for both payments. With the first check, it’s possible you for or to pay a specific kind of creditor, but the rules changed with a second check. However, an .
How can I claim missing stimulus money?
If you receive SSI or SSDI but still haven’t gotten a stimulus check either round — and the first one, especially — the IRS may still need more information about your eligibility.
To receive your money now, you’ll need to claim the additional amount, using the . Even , you will have to do so to get those funds.
In some cases — like if you, but you never actually got the money — you may need to .
What can I do if I haven’t filed a tax return in the past several years?
If you receive federal benefits, including SSI and SSDI, as your only form of income, youin 2018 or 2019. Under the CARES Act passed in March, you were still and should’ve received one automatically (no need to file a simple tax return, as the IRS had originally said). If that money didn’t arrive, then you will have to file a 2020 tax return this year. We’ve got instructions on , even if you haven’t filed taxes in a while.
Third stimulus check eligibility for SSI and SSDI recipients: What to know
While the details are still being finalized, it seems likely that people who receive SSI and SSDI will once again automatically qualify to receive a, as they did for the first and second round of payments. For the first two rounds, those individuals were eligible so long as they had a Social Security number and weren’t on someone else’s tax return, and so long as their household income didn’t exceed the threshold set ($75,000 single, $112,500 head of household, $150,000 married).
President Joe Biden’s, however, , including and . It would also increase the amount allotted for those dependents to . Congress is also debating — it’s possible that the income threshold will lower, so , while others could get less or none at all.
Those receiving Railroad Retirement and Veterans Affairs benefits also should automatically qualify for a payment, as they did in the first and second round.
When would your third stimulus check arrive?
Other than theand , here are some other things you might like to know about how a so far:
- It could start being sent in early March (here’s a ).
- The IRS and Treasury would use your previous information on file to automatically send you a check.
- The Treasury would “conduct outreach to non-filers to inform them of how to file” for their third payment, if extra information is needed, according to this proposal (PDF).
- Any missing payment from a third check would be paid out as part of tax season 2021, a year from now. You would likely have to file a tax return to claim it, if the IRS were to follow the same pattern for missing stimulus check money as now (more below).
All the ways you could get your third stimulus check
Most SSI and SSDI recipients didn’t receive their first payments via their Direct Express card, though this is usually what the government uses to distribute federal benefits. Instead, the payment arrived through a non-Direct Express bank account or as a paper check, if you didn’t have your bank account information on file with the IRS.
For the second round of payments, the IRS said on its website that SSI and SSDI recipients should have gotten their stimulus check money the same way they received their first stimulus checks, possibly faster, as the IRS already has the payment system set up. For those who received the first round of payments via Direct Express, they should have received the second payment the same way, the IRS said. It’s likely that the same will be true of a third check, if one is sent out (here’s).
If you receive SSI but not Social Security benefits, and did not file for taxes in 2019, the IRS will automatically send your payment the same way you normally receive your SSI benefits, such as by , Direct Express card or .
Dependents could be eligible for more money with a third stimulus check
For the second stimulus check, as long as your children were, they would contribute $600 toward the final total of your household’s second stimulus check. You can use our to figure your family’s total estimate.
Under the CARES Act, qualified people with dependents age 16 or younger were eligible for up to $500 per child dependent, but not everyone.
The proposedwould make dependents of all ages eligible for up to $1,400 that would apply to the household’s total payment, not just children under 17. That would include and college-age children as well.
Here’s who the IRS counts as an.
How to file for missing stimulus money for dependents
If you used the IRS’ Non-Filers tool from May 5 through Aug. 15 of 2020, the IRS should’ve automatically issued the catch-up payment for your dependents in October 2020. If you received your, you should’ve gotten the catch-up payment the same way. Others would’ve received it in the mail.
If you filed for your missing dependent money by Nov. 21, the payment should have arrived by the end of 2020 in the same way you received your first payment (likely direct deposit or by mail). If you missed the deadline, your check will be included, if you file for a Recovery Rebate Credit.
To check the status of your or your dependent’s payment,.
If you receive SSI or SSDI benefits but don’t live within the US, here’s what to know
If you’re a Social Security beneficiary with a foreign address whose monthly benefit is deposited into a foreign bank account, you’ll receive your stimulus payment as a check in the mail. (The IRS isn’t meant to deposit money into foreign banks.) The IRS planned to start sending the first raft of checks to those recipients at the end of July 2020.
If you live abroad but receive your monthly benefits through a US bank, you should have received your first payment by direct deposit to that account by the end of July as well. It isn’t clear what will happen to this group with the second check, but if it wasn’t distributed by Jan. 15, it will have to be claimed as part of a tax return. Find out.