During the COVID-19 pandemic, the federal government sent stimulus payments to millions of eligible Americans. Those stimulus payments, made from April 2020 to December 2021, included temporarily enhanced child tax credits that helped reduce child poverty in the U.S.
But it turns out that millions of people, including lower-income individuals and families, who are eligible for the COVID stimulus payments, and the enhanced child tax credit, didn't receive them.
Thankfully though, the IRS says that some eligible taxpayers may be able to get missed stimulus payments.
Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
Depending on your circumstances, you may still be able to file a 2021 tax return to find out if you’re eligible to get your stimulus payment, the 2021 child tax credit, or the earned income tax credit.
Can I still get a stimulus payment?
If you think you’re eligible for a COVID stimulus payment or the 2021 child tax credit and haven’t already received those funds, you may still be able to file your 2021 tax return to see if you're eligible to get those funds.
That's because concerning the child tax credit, if you don't owe taxes to the IRS, the IRS has said that you can file your 2021 tax return and claim the child tax credit for the 2021 tax year, at any point until April 15, 2025.
But because that can get confusing, it's probably best to file for the 2021 tax year as soon as you can. Visit ChildTaxCredit.gov for more information.
According to the Government Accountability Office, groups that were most likely to have missed out on pandemic relief stimulus payments or the child tax credit (or both), were people who never filed a tax return or who filed for the first time during the pandemic.
The federal government also had difficulty getting stimulus checks and child tax credits to people without bank accounts or reliable internet access, and people who were experiencing homelessness in 2020 and 2021.
If the IRS had banking information on file, COVID stimulus payments were directly deposited. Other stimulus payments and child tax credits were mailed. So, if you didn’t receive stimulus money, or didn’t receive the third stimulus payment, you might be able to claim a recovery rebate credit on your 2021 tax return.
To help get the word out about these tax benefits, the IRS announced it was sending letters to individuals and families who appeared to qualify for these stimulus benefits but did not claim them by filing a 2021 federal income tax return. That included people eligible not only for the 2021 recovery rebate credit and the child tax credit but also the earned income tax credit.
Who was eligible for the 2022 enhanced child tax credit?
Eligible Americans with income below $75,000, or married couples with income below $150,000, were eligible for the full amount of three rounds of stimulus payments that were made by the federal government in 2020 and 2021.
Those stimulus income limitations also applied to the enhanced child tax credit although partial child tax credits were available for people with higher incomes.
Advance payments of the enhanced child tax credits were sent to people from July to December 2021. The monthly payments were up to $250 or $300 per child, for six months.
Even though you may be able to file a 2021 tax return to get your child tax credit (if you didn’t receive it), the federal enhanced 2021 child tax credit program has expired.
There is a chance that Congress could pass legislation to reinstate the enhanced child tax credit, but you’ll probably have to wait until the end of this year to see if that happens.
Is there still a federal stimulus check?
In addition to the pandemic relief stimulus payments and the 2021 child tax credit, you may have heard about so called state stimulus checks. Those stimulus checks are essentially rebates coming from various states—not pandemic stimulus payments from the federal government.
Why are states sending rebate checks? Because of pandemic relief funding, many states have extra cash on hand, and so are sending rebate checks to their residents.
To learn more about state stimulus checks, see States Sending Stimulus Checks.
Related
- IRS Sending Up to $1,400 to One Million People: What to Know
- How Much is the 2024 Child Tax Credit?
- Earned Income Tax Credit Explained
-
How to Navigate Your Medicare Advantage Plan in a DisasterIf you're a Medicare Advantage member in an area that has been impacted by a disaster, you might be worried about access to care and medicine. Here's what you need to know.
-
Older Investors: Boost Your Savings and Retire EarlierThis one measure can help older investors retire up to two years earlier and potentially double their retirement savings.
-
Ask the Editor, August 8: Tax Questions on Roth IRA ConversionsAsk the Editor In this week's Ask the Editor Q&A, we answer tax questions from readers on converting a traditional IRA to a Roth IRA.
-
Texas Sales Tax-Free Weekend 2025Tax Holiday What you need to know about the Texas sales tax holiday.
-
Retirees Should Watch These Four Key Tax Changes in 2025Tax Changes This year brings key tax changes that could affect your retirement taxes and income.
-
The Most Tax-Friendly State for Retirement in 2025: Here It IsRetirement Tax How do you retire ‘tax-free’? This state doesn’t tax retirement income, has a low median property tax bill, and even offers savings on gas. Are you ready for a move?
-
Ask the Editor, August 1: Tax Questions on Standard DeductionsAsk the Editor In this week's Ask the Editor Q&A, we answer tax questions from readers on claiming standard deductions on your tax return.
-
Tariff Stimulus Checks Coming? New Proposal Seeks Tax Rebates for US WorkersTax Breaks A new GOP bill proposes to send $600 in tariff rebate checks to eligible taxpayers. Is there a catch?
-
Biggest Winners and Losers in Trump's New Tax PlanTax Law Trump’s mega tax overhaul, known as the ‘One Big Beautiful Bill,’ has distinct winners and losers. Which group do you fall into?
-
Ask the Editor, July 25: Questions on Four New Tax DeductionsAsk the Editor In this week's Ask the Editor Q&A, we answer tax questions from readers on four new tax deductions in the "One Big Beautiful Bill."
