If your third stimulus check has arrived, could you be eligible for a plus-up payment from the IRS, too?Sarah Tew/CNET
If you're still waiting for your third stimulus payment, that $1,400 check may not be all you'll get from the IRS once the money arrives. In addition to a check with this third round, you may be eligible for a "plus-up" payment if the IRS underestimated the amount you qualify for by using an older tax return when it calculated your dollar amount.
Since March, the IRS has sent 163 million payments, mainly in weekly batches. But it's not done and more weekly payments are teed-up for those who are eligible, including nonfilers who don't normally file a tax return and for those who receive SSI and SSDI benefits. With the extended tax season running this year till May 17, you may still be waiting your tax refund too. And after you receive your stimulus payment, you should be on the lookout for a letter from President Joe Biden with information about your check. See below for why you want to hold on to this confirmation letter.
Here's what to know about the IRS timeline for payments, including how to report a stimulus check problem and when it's time to file a payment trace. If you have kids, keep an eye out for child tax credit payments for up to $3,600 to start this summer, and how to claim up to $16,000 for child care expenses. Also, here's how to check on the status of your tax refund. In a speech, last week, Biden talked about what money you could receive as part of his administration's next two stimulus proposals, beyond the American Rescue Plan, including talk of a fourth check. This story is frequently updated.
IRS is sending plus-up stimulus payments each week alongside the third round of checks
If you've already received your third stimulus check, you could be due a plus-up payment as well. The IRS may have calculated the amount of your payment using an older tax form instead of your 2020 filing. If that happened to you, once the IRS receives your 2020 tax return and calculates your third payment again, under the American Rescue Plan, you could be due more money based on information from your current filing -- or on other factors if you don't usually file.
The IRS said it will automatically send these plus-up stimulus payments if it needs to square up the amount it owes you, but to double-check the math, you may want to confirm how much money you should expect this stimulus round, and then track your payment.
Stimulus payment timeline through December 2021
Most of the third stimulus check payments have gone out from the IRS and US Department of the Treasury based on what information the IRS has on hand to determine payment amounts. The March stimulus law, however, gives these federal agencies until Dec. 31, 2021, to send out all the third checks. That gives the IRS room to process 2020 tax returns and square up payments for those who are owed plus-up amounts, folks who file a 2020 tax extension and other groups, like those who moved or don't have a fixed address (such as people experiencing homelessness).
If all or part of your stimulus check doesn't arrive by then, you'll need to claim missing money via a 2021 tax return in April 2022, a year from now. This would be similar to the Recovery Rebate Credit for claiming missing money from the first two checks, which is currently in effect for 2020 taxes.
Stimulus check payments made to date
|90 million ($242 billion)||150,000 ($442 million)||Not disclosed||Not disclosed||Not disclosed|
|17 million ($38 billion)||15 million ($34 billion)||5 million ($11 billion)||Not disclosed||Not disclosed|
|2 million ($5 billion)||2 million ($5 billion)||Not disclosed||Not disclosed||Not disclosed|
|24 million ($33 billion)||1 million ($3 billion)||Not disclosed||3.1 million||1 million ($2 million)|
|1.2 million ($2 billion)||800,000 ($1.4 billion)||Not disclosed||Not disclosed||700,000 ($1.2 billion)|
|900,000 ($1.5 billion)||1.1 million ($1.8 billion)||Not disclosed||Not disclosed||700,000 ($1.2 billion)|
|1.1 million ($2.5 billion)||850,000 ($1.8 billion)||Not disclosed||Not disclosed||730,000 ($1.3 billion)|
Hold on to that Biden stimulus letter from the IRS
Keep that letter the IRS is sending you from Biden that confirms your stimulus payment, including the amount. That IRS letter -- officially called Notice 1444-C -- is your proof the IRS sent a payment in case you don't actually receive it or if received less than you qualify for and need to claim the missing amount later. Here's more on what to do with that IRS letter.
Should you track your stimulus check using the IRS tracker app?
Knowing the status of your payment is an important part of making sure you know where your full payment stands. Keep an eye out in the Get My Payment tracker tool for plus-up payments or other information about your payment. The details are updated once a day and the tool can flag if there's a problem with your payment that you may need to address by giving you a message.
You can also use a free tool from the USPS to track your mailed stimulus payment.
Now playing: Watch this: Stimulus plus-up payments: What you need to know
The IRS may owe you money from the first and second stimulus checks
These plus-up payments are now going out weekly along with the third round of checks, but they may not be the only money you're due. For money missing from the first two checks, you need to claim that on your 2020 taxes. You have less than three weeks left to do that. Tax Day is May 17. We suggest making sure you also know where to find your adjusted gross income. Tax nonfilers may need to be proactive about claiming a new dependent, too.
Now playing: Watch this: Stimulus check 3: How much money you'll get
What if you have a problem with your stimulus payment? Start here to see an update on its status
The IRS doesn't want you to call if you have any issue with the delivery or amount of your stimulus check. So what to do instead? Our guide walks you through how to report stimulus check problems, including checks that never arrived (try filing a payment trace), direct deposit payments that go to the wrong account and other issues.
Did you get less money than you expected in your check?
The IRS isn't particularly big on communicating how much money it calculates for your stimulus check. You won't find that figure in the agency's online tracking tool, but you will see it in the confirmation letter you'll receive in the mail. (And here's why you got the payment size you did.)
So what happens if you use our stimulus check calculator and notice the numbers seem way off, or the IRS letter quotes an amount you didn't receive? Start by triple-checking your qualifications to make sure you're eligible for the total you expect. Remember the IRS is automatically sending plus-up payments and that happens after the agency receives your 2020 tax return. If you had a baby or added a dependent in 2020, you won't need to file an amended tax form to claim the supplement.
The IRS could open up claims for missing stimulus money before its Dec. 31 deadline to stop sending checks. If not, you might have to wait a year to claim it -- when you file your 2021 taxes in 2022 (even if you're a nonfiler who isn't typically required to file taxes).
Why your stimulus money may not have arrivedThere was a calculation error and you need to claim an adjustment or wait for a plus-up payment.You receive SSDI or SSI benefits or veterans benefits and are waiting for your check to show up.
Your check is stuck in the mail. (Here's how to track it.)
You may not receive money for all of your dependents, including a new baby or older adult.The IRS based your third stimulus check on your 2019 taxes and you're owed money for your 2020 AGI or dependents.You may be a nonfiler who needs to file a 2020 tax return to claim dependents.Your stimulus check was deposited into a closed or temporary bank account.You moved and the IRS doesn't have your correct mailing address to send a check.Your payment may be garnished by private debt collectors.You accidentally threw away the mailed envelope.
Also, here's what to know if the IRS sent a letter confirming it sent your stimulus payment, but the money never arrived. Here's more information on problems you might encounter with your stimulus check.
Stimulus check delivery start and end dates
|March 17 (official)|
|Week of March 15|
|Week of March 22|
|Weekend of April 3, most arriving April 7|
|Weekend of April 3|
|Week of April 14|
|Dec. 31, 2021 (mandated by the bill)|
|January 2022 (if mailed checks sent late December)|
|2021 tax season likely (in 2022)|
Your 2020 tax return really does make a big difference in your payment total
Taxes are now due May 17. So how will the IRS figure out how much it owes you? It will calculate your total (you can also do that here) based on the most recent tax filing it's processed at the time it's ready to tabulate the amount of your stimulus check.
If you know your tax return was already processed, your total will likely be based on your 2020 adjusted gross income, not on your 2019 AGI. That presents complications if the difference between the two years disqualifies you from getting a third stimulus check.
On the flip side, if the IRS uses your 2019 taxes and you're owed more money based on your 2020 AGI and dependents, you could get a plus-up payment. If you got more money than you're owed, you'll only need to return it to the IRS in some cases.
Millions may wind up getting a smaller check than they're owed, depending on their 2020 taxes.Sarah Tew/CNET
Stimulus check details for Social Security SSI and SSDI recipients and for veterans
Veterans receiving VA benefits and people who get SSDI and SSI benefits are now receiving stimulus checks from the IRS and Treasury. Delivery details should now be available in the Get My Payment tool.
You might get your stimulus money by direct deposit to existing Direct Express cards if this is how you normally receive benefits, and if you didn't file taxes in 2019 or 2020. Otherwise, the money could come in the mail (here's what to look for so you know it's legit). The SSA says that Social Security beneficiaries like SSI and SSDI groups will not receive an EIP debit card.
If you had a new baby in 2020 or 2021, you could get additional stimulus money, once the IRS calculates your dependent.Sarah Tew/CNET
There's more: Extra rules and exceptions to know
Stimulus checks aren't necessarily a one-size-fits-all situation. Here are guides for:Households with dependents, including new 2020 or 2021 babiesPeople who live outside the US or aren't US citizensPeople who aren't sure if they're qualified to receive their own stimulus checkOlder adults and people who are retiredPeople who don't normally pay taxes (tax nonfilers)Families with child support situationsFamilies with mixed-status citizenship