Millions of Americans received economic stimulus payments during the COVID-19 pandemic, but many may not realize that it’s still possible to claim the third round of stimulus checks—worth up to $1,400 per person. The IRS is encouraging eligible individuals who missed out to take action before the final deadline. Here’s what you need to know.
Who Qualifies for the $1,400 Stimulus Check?
The third round of stimulus checks was authorized by the American Rescue Plan Act of 2021, providing payments of up to $1,400 per individual and $2,800 for married couples filing jointly, plus $1,400 per dependent.
You may still be eligible if:
- You didn’t receive the third stimulus check in 2021.
- Your income in 2021 was below the following thresholds:
- $75,000 for single filers
- $150,000 for married couples filing jointly
- $112,500 for heads of household
- You have a valid Social Security number.
- You were not claimed as a dependent on someone else’s tax return.
If your income was too high in 2020 but dropped in 2021, you might now qualify.
How to Claim Your Stimulus Payment
If you didn’t receive the third stimulus check, you can still get it by filing a 2021 tax return and claiming the Recovery Rebate Credit. Even if you don’t normally file taxes due to low income, you must file a return to get the payment.
Here’s how to do it:
- File a 2021 tax return using IRS Free File or tax software.
- Enter your personal information accurately.
- On Line 30 of Form 1040, claim the Recovery Rebate Credit.
- Submit your return electronically for faster processing.
Important Deadline: May 17, 2025
You have three years from the original tax deadline (April 18, 2022) to file a return and claim your Recovery Rebate Credit. That means:
You must file by May 17, 2025 to receive your $1,400 payment.
After this date, the window to claim the stimulus check will close permanently.
What If You Already Filed?
If you filed your 2021 taxes and didn’t claim the Recovery Rebate Credit, or you think the IRS made a mistake, you can file an amended return using Form 1040-X. Be sure to include documentation showing that you were eligible.
Can You Track Your Payment?
If you’re unsure whether you received the third stimulus payment, check IRS Letter 6475, which was mailed to recipients in early 2022. It details the amount you received. If you don’t have the letter, log into your IRS online account to view your payment history.
Quick Overview: Stimulus Check Eligibility
| Criteria | Requirement |
|---|---|
| Maximum Individual Payment | $1,400 |
| Income Limit (Single) | $75,000 |
| Income Limit (Married Filing Jointly) | $150,000 |
| Dependent Bonus | $1,400 per dependent |
| Filing Deadline | May 17, 2025 |
If you missed your third stimulus payment, the good news is there’s still time to claim it. Make sure to file your 2021 tax return by the May 2025 deadline. Don’t leave money on the table—it could mean $1,400 (or more) back in your pocket.
FAQs:
Do I have to pay back the stimulus check later?
No, stimulus payments are not loans and do not need to be repaid.
Can I still get the first or second stimulus checks?
You had until May 17, 2024, to claim those by filing a 2020 return. That deadline has now passed.
Is the stimulus check taxable income?
No, it’s not considered taxable and won’t affect your refund or tax bracket.