If you don’t usually file taxes because you’re on SSI or SSDI, you’re retired, or you don’t meet the IRS’ income threshold, you’ll need to take an extra step to claim your missing stimulus money.
Although the stimulus check formula used by the IRS for both payments is based on specific elements of your taxes, millions of nonfilers are still eligible for both checks. Though most of these nonfilers should have gotten a second stimulus check automatically (and likely the third stimulus check, too), if you’re missing stimulus money from either payment, you can claim it. But this year, you’ll have to file taxes to do so.
There are several reasons why your second stimulus check may be missing: an IRS direct deposit mistake, a change of home address, a child dependent not counted, an accidental garnishment. Most nonfilers will need to claim the money as a Recovery Rebate Credit on a tax return this year. (In some cases, you’ll have to request an IRS Payment Trace.)