[:en]What to find out about SSDI, SSI and stimulus checks: New {qualifications}, lacking cash, extra[:]

[:en]What to find out about SSDI, SSI and stimulus checks: New {qualifications}, lacking cash, extra[:]



The principles for a 3rd stimulus verify aren’t ultimate but, however this is what we all know thus far in the case of SSI and SSDI.

Sarah Tew/CNET

The timeline to receive a third stimulus check is not completely nailed down, however now that the $1.9 trillion COVID-19 relief package has passed the House of Representatives, the momentum behind a new $1,400 payment is constructing — and you may see it as quickly as March. In case you obtain Social Safety Incapacity Insurance coverage or Supplemental Safety Earnings, you’ll have questions abut this third stimulus check, and perhaps even the primary two.

For instance, how are the principles for dependents changing, in addition to the qualifications overall? What may assist you get a bigger check this time and would changes to the fine print of the stimulus formula impression you in any respect? How else would the $1,400 stimulus check compare to the earlier $600 and $1,200 payments?

Not all the things is easy; for instance, when you stopped or began receiving SSI or SSDI in 2019 or 2020, your scenario may become complicated this tax season. We’ll clarify  claim any money you’re missing from the first two stimulus checks — even when you don’t usually file taxes — and can assist reply how your third fee may arrive. This story was lately up to date.

SSI and SSDI: Third stimulus verify eligibility guidelines thus far

Whereas the main points are nonetheless being accomplished, it appears possible that individuals who obtain SSI and SSDI will as soon as once more robotically qualify to obtain a third stimulus check for $1,400, as they did for the primary and second spherical of funds. 

For the primary two rounds, these people had been eligible as long as that they had a Social Safety quantity and weren’t claimed as a dependent on another person’s tax return, and as long as their family revenue did not exceed the brink set ($75,000 single, $112,500 head of family, $150,000 married). 

President Joe Biden’s $1.9 trillion stimulus proposal, nevertheless, expands stimulus payment eligibility for dependents of all ages, together with young adults age 17 to 24 and older adult dependents. It might additionally enhance the quantity allotted for these dependents to $1,400 each. Congress can also be debating how “targeted” the third checks should be — it is attainable that the revenue threshold will decrease, so some families could get more money, whereas others may get much less or none in any respect.

These receiving Railroad Retirement and Veterans Affairs advantages additionally ought to robotically qualify for a fee, as they did within the first and second spherical. 

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Stimulus check No. 3: What you need to know


When your third stimulus payment could arrive

Other than the $1,400 maximum per adult and dependent, here are some other things you might like to know about how a third stimulus check is shaping up so far:

  • The first checks could go out in March. When you get a new payment could depend on how you get your funds.
  • The IRS and Treasury would use your previous information on file to automatically send you a check.
  • The Treasury would “conduct outreach to nonfilers 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).

The rules surrounding the second stimulus check can get confusing, fast.

Sarah Tew/CNET

How would the third stimulus check money arrive? 

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. People who received the first round of payments via Direct Express should have received the second payment the same way, according to the IRS. It’s likely that the same will be true of a third check, if one is sent out (here’s a possible timeline for when the IRS could send out a third check). 

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 deposit, Direct Express card or paper check

Dependents could count for more money than ever in a third round of payments

For the second stimulus check, as long as your children were 16 years old or younger, they would contribute $600 toward the final total of your household’s second stimulus check. You can use our stimulus check calculator to figure your family’s total estimate.


If you’re missing stimulus money for yourself or your dependents, you’ll need to claim it on your tax return.

Angela Lang/CNET

Under the CARES Act, qualified people with dependents age 16 or younger were eligible for up to $500 per child dependent, but not everyone actually received that extra money

The proposed third stimulus check would 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 older adult relatives and college-age children as well.

Here’s who the IRS counts as an adult to receive their own stimulus check.

Missing money from the first stimulus two checks and don’t file taxes? Read this

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 the first two payments. If you receive these federal benefits as your only form of income, you weren’t required to file a federal income tax return in 2018 or 2019. Under the CARES Act passed in March 2020, you should have received a stimulus check automatically (no need to file a simple tax return, as the IRS had originally said).

If that money didn’t arrive, it’s possible you might have had a payment garnished for child support or to pay a specific kind of creditor, but the rules changed with a second check. However, an IRS error could also be one potential culprit, or that the IRS needed more information about your eligibility. 

To receive your money now, you’ll need to claim the additional amount as part of tax season 2020, using the Recovery Rebate Credit. Even if you don’t usually file taxes, you will have to do so to get those funds. 

In some cases — like if you received a letter from the IRS confirming that your payment was sent, but you never actually got the money — you may need to contact the IRS to request a payment trace


It isn’t too late to claim missing stimulus money, but you have to file a tax return to do so. 

Sarah Tew/CNET

How to claim missing stimulus check money for your 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 original stimulus money by direct deposit, you should’ve gotten the catch-up payment the same way. Others would have received it in the mail. 

If you filed for your missing dependent money by Nov. 21, 2020, 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 should be included on your 2020 tax return in 2021, if you file for a Recovery Rebate Credit.

To check the status of your or your dependent’s payment, use the IRS’ online tool to track it.

If you’re an SSI or SSDI recipient who lives outside the US, here’s what to know

If you’re a Social Security beneficiary with a foreign address whose monthly benefit is deposited in a foreign bank account, you’ll receive your stimulus payment as a check in the mail. (The IRS doesn’t usually 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 everything you need to know about stimulus checks, citizenship and living abroad here.

Here’s everything else we know about third stimulus checks so far, including when they could arrive.

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