If you’re still waiting for your $1,400 stimulus check, the good news is you can still claim it, but time is running out. You have until April 15, 2025, to file a 2021 federal tax return and claim your payment through the 2021 Recovery Rebate Credit. This guide breaks down eligibility, filing steps, and what to do if your payment is missing.
What Is the $1,400 Stimulus Payment?
The $1,400 stimulus check is part of the third round of Economic Impact Payments (EIP 3) issued under the American Rescue Plan Act of 2021. This round was aimed at providing relief during the COVID-19 pandemic, targeting low- and middle-income individuals and families.
While most payments were distributed in 2021, some individuals missed out due to issues like incorrect information or changes in their status. If you didn’t receive your $1,400 stimulus check, you may still be eligible to claim it, but you must act quickly by filing your 2021 tax return before the April 15, 2025 deadline.
Who Was Eligible for the $1,400 Stimulus Check?
To qualify for the full $1,400 payment, you must meet the following criteria:
- Income Requirements:
- Single filers: Adjusted Gross Income (AGI) up to $75,000
- Head of household: AGI up to $112,500
- Married filing jointly: AGI up to $150,000
- Payments phase out above these thresholds and are eliminated at $80,000, $120,000, and $160,000, respectively.
- Valid Social Security Number:
- You must have a valid SSN unless you’re a military family with a qualifying spouse.
- You must have a valid SSN unless you’re a military family with a qualifying spouse.
- Not Claimed as a Dependent:
- You cannot be listed as a dependent on another person’s tax return.
- You cannot be listed as a dependent on another person’s tax return.
- U.S. Citizenship or Resident Alien Status:
- You must be a U.S. citizen or resident alien.
What Is the 2021 Recovery Rebate Credit?
The 2021 Recovery Rebate Credit (RRC) was introduced to allow those who missed the third round of stimulus payments to claim the $1,400 check. This is a refundable tax credit, meaning if you qualify and are owed money, the IRS will issue the payment directly to you after you file your tax return.
If you didn’t receive the full $1,400 or didn’t receive any payment at all, filing a 2021 tax return and claiming the Recovery Rebate Credit is your last opportunity to get the payment.
How to Claim the IRS $1,400 Stimulus Payment in 2025
1. Check IRS Payment Records
Visit your IRS Online Account and check for your EIP3 status under “Tax Records.” If the IRS shows that your payment was issued, but you didn’t receive it, you’ll need to request a payment trace.
2. File a 2021 Tax Return
Use IRS Free File or tax software to file your 2021 tax return.
On your return, use the Recovery Rebate Credit worksheet to determine your eligibility and the amount owed.
If you’re unsure about any part of the filing process, consider hiring a tax professional to ensure everything is correct.
3. Request a Payment Trace
If the IRS says your payment was sent but you didn’t receive it, download and complete Form 3911.
Submit the form to the IRS via mail or fax. Be sure to write “EIP3” at the top of the form.
Processing payment trace requests can take up to 6 weeks, so make sure to act promptly.
Avoid Common Filing Mistakes
To avoid delays or disqualification, be mindful of these common mistakes:
Incorrect tax year: Only the 2021 tax return qualifies for the $1,400 Recovery Rebate Credit.
Incorrect AGI entries: Double-check your 2021 income, especially if there were any job changes or unemployment income.
Dependency errors: Ensure that you or your dependents weren’t mistakenly claimed on someone else’s return.
Missing documentation: Make sure to include your direct deposit information or a valid mailing address for checks.
When Will You Receive the Payment After Filing?
Electronically filed returns are usually processed in around 21 days.
Paper returns may take 6 to 8 weeks, especially if submitted close to the April 15, 2025 deadline.
Direct deposit is the fastest way to receive your payment.
Should You Use a Tax Professional?
If you haven’t filed taxes in years, or if you’re unsure about your eligibility, hiring a tax professional can be a smart move. They can help with:
Filing back tax returns efficiently.
Avoiding costly mistakes.
Ensuring you receive the maximum refund or credit.
The deadline to claim your $1,400 stimulus payment through the 2021 Recovery Rebate Credit is April 15, 2025. If you missed out on the payment, filing a 2021 tax return and using the credit can provide you with the relief you deserve. Follow the steps carefully, avoid common mistakes, and get your payment before time runs out.
