Millions of Americans have already received a third stimulus check (either by direct deposit or paper check). But if nothing has shown up in your bank account or mailbox yet, it might be because you're not eligible for a third payment. Some people may have gotten the impression that everyone is entitled to a third stimulus check. Unfortunately, that's just not the case.
There are a few reasons why you could be left without a third stimulus check. It could be because of your income, age, immigration status, or some other disqualifying factor. Here's a list of people who won't be getting a third stimulus check from Uncle Sam. Hopefully, you're not on the list and you'll get a nice payment soon — especially if you're one of the millions of Americans struggling financially because of the COVID-19 pandemic.
[Stay on top of all the new stimulus bill developments – Sign up for the Kiplinger Today E-Newsletter (opens in new tab). It's FREE!]
Third-round stimulus checks start at $1,400 per eligible person ($2,800 for married couples who file a joint tax return). If you have any dependent, there'll be an extra $1,400 tacked on for each one of them. So, for example, a married couple with two dependent children can get up to $5,600. (Use our Third Stimulus Check Calculator (opens in new tab) to figure out how much you will get.)
However, third stimulus checks are quickly phased-out for people at certain income levels (based on your 2019 or 2020 tax return). If your income is high enough, your check will be completely phased out and you'll get nothing! For single people, that happens if your adjusted gross income (AGI) is above $80,000. If you're married and file a joint tax return, you'll get nothing if your AGI exceeds $160,000. If you claim the head-of-household filing status on your tax return, your payment will be reduced to zero if your AGI tops $120,000.
If you're claimed as a dependent on someone else's tax return, you won't receive a stimulus check. That means no payments to children living at home who are 17 or 18 years old, or to college students who are 23 or younger at the end of the year who don't pay at least half of their own expenses.
Other dependents won't receive stimulus payments, either. For example, an elderly parent living with an adult child is out of luck and won't get a check.
However, if you're a dependent, at least the person claiming you as a dependent on their tax return will get an extra $1,400 added to their third stimulus check. Maybe, if you're nice, they'll give you some of that money.
A person who is a nonresident alien is not eligible for a third stimulus check. Generally, a "nonresident alien" is not a U.S. citizen, doesn't have a green card, and is not physically present in the U.S. for the required amount of time.
See IRS Publication 519 (opens in new tab) for more information on the taxes for nonresident aliens.
People Without a Social Security Number
Generally, you must have a Social Security number to get a stimulus check. To get the extra $1,400 for a dependent, the dependent must also have a Social Security number. If they don't, then you probably won't get the addition amount.
There are, however, a few exceptions to this rule. First, an adopted child can have an adoption taxpayer identification number (ATIN) instead of a Social Security number. Second, for married members of the U.S. armed forces, only one spouse needs to have a Social Security number. And, third, if your spouse doesn't have a Social Security number, you can still receive a third stimulus check, including any extra money for dependents, if you have a Social Security number.
It may seem obvious that a deceased person isn't eligible for a third stimulus payment. However, only people who died before 2021 are ineligible. Essentially, they're treated as if they don't have a Social Security number. However, if a person who died before 2021 was a member of the U.S. military, his or her surviving spouse can still receive a third stimulus check even if the spouse doesn't have a Social Security number. In addition, the extra $1,400 for each dependent is not available if the parent died before 2021 or, in the case of a joint return, both parents died before then.
People Who the IRS Doesn't Know About
The IRS will automatically send a third stimulus payment to people who filed a 2019 or 2020 federal income tax return. People who receive Social Security, Supplemental Security Income, Railroad Retirement benefits, or veterans benefits will receive a third payment automatically, too. However, if the IRS can't get the information it needs from your tax records, or from the Social Security Administration, Railroad Retirement Board, or Veterans Administration, then it can't send you a check.
However, if you don't get a third stimulus check now, you won't lose out on the money if you're eligible for a payment — but you'll have to wait until next year to get it. You'll be able to claim the proper amount as a Recovery Rebate tax credit when you file your 2021 tax return, which is due by April 18, 2022 (April 19 for residents of Maine and Massachusetts).
Stay on Top of Stimulus Check Developments
Follow Kiplinger for the latest news and insights on federal stimulus payments (and other important personal-finance matters). Stay with us on:
- email. Sign up free for our daily Kiplinger Today e-newsletter (opens in new tab).
- social media. Follow us on Instagram, Twitter and Facebook.
- podcasts. Subscribe free to our weekly Your Money's Worth podcast. Apple (opens in new tab) | Google Podcasts | Spotify (opens in new tab) | Overcast (opens in new tab)
See some of our other coverage of the third stimulus check:
- Your Third Stimulus Check: How Much? When? And Other FAQs
- Third Stimulus Check Calculator (opens in new tab)
- 8 Reasons Why Your Third Stimulus Check Could Be Delayed or Denied
- Supplemental "Plus-Up" Payments Are On the Way
- Is Your Stimulus Check Taxable?
- Will Your Stimulus Check Increase Your Tax on Social Security Benefits?
- Where's My Stimulus Check? Use the IRS's "Get My Payment" Portal to Get an Answer
- 6 Money-Smart Ways to Spend Your Third Stimulus Check
- Where Can I Cash My Stimulus Check?
- Who Should Return Their Third Stimulus Check to the IRS?
Rocky is a Senior Tax Editor for Kiplinger with more than 20 years of experience covering federal and state tax developments. Before coming to Kiplinger, he worked for Wolters Kluwer Tax & Accounting and Kleinrock Publishing, where he provided breaking news and guidance for CPAs, tax attorneys, and other tax professionals. He has also been quoted as an expert by USA Today, Forbes, U.S. News & World Report, Reuters, Accounting Today, and other media outlets. Rocky has a law degree from the University of Connecticut and a B.A. in History from Salisbury University.
3 Mistakes Business Owners Can't Afford to Make When Planning Their Exit Strategy
Getting an early start on laying the groundwork for your exit is imperative. Empowering others to make decisions and delegating responsibilities also play key roles.
By Christopher C. Giambrone, CFP®, AIF® • Published
Stock Market Today: Stocks Stay Shaky Amid Fed Uncertainty
The energy sector was a notable decliner as U.S. crude futures slumped to their lowest close of the year.
By Karee Venema • Published
15 States That Tax Military Retirement Pay (and Other States That Don't)
retirement Taxes on military retirement pay vary from state-to-state. How generous is your state when it comes to helping retired veterans at tax time?
By Sandra Block • Published
5 Tax Deadlines for October 17
tax deadline Many taxpayers know that October 17 is the due date for filing an extended tax return, but there are other tax deadlines on this date.
By William Neilson • Last updated
5 States With No State Sales Tax
Tax Breaks A handful of states don't impose a sales tax, but that doesn't necessarily make them the best states for low taxes.
By Rocky Mengle • Published
Penalties for Filing Your Tax Return Late
tax deadline Stiff penalties await those who didn't file their return (or pay any tax owed) by the tax filing deadline.
By Rocky Mengle • Last updated
10 Tax Deadlines for April 18 (Today is Not Just the Due Date for Your Tax Return)
tax deadline Between requesting a tax extension, making IRA or HSA contributions, and meeting other tax deadlines, there's more to do today than just filing your federal income tax return.
By Rocky Mengle • Last updated
Self-Employed? Watch Out for These IRS Audit Red Flags
taxes If you're in business for yourself, minimize the odds of the IRS giving your tax return a second look by avoiding these audit triggers.
By Joy Taylor • Published
Why This Tax Filing Season Could Be Ugly
Coronavirus and Your Money National Taxpayer Advocate Erin M. Collins warns the agency will continue to struggle with tight budgets and backlogs. Her advice: File electronically!
By Sandra Block • Published
2021 Tax Returns: What's New on the 1040 Form This Year
tax filing If you're a last-minute filer, familiarize yourself with potential changes for your 2021 tax return before tackling your 1040.
By Rocky Mengle • Published