Time is running out to claim a stimulus payment you may have missed. If you didn’t receive the full third-round Economic Impact Payment in 2021, there’s still a final opportunity to claim up to $1,400 per person — but you must file your 2021 tax return by April 15, 2025. This article walks you through the Recovery Rebate Credit, who qualifies, how to claim it, and what mistakes to avoid to get your payment as quickly and safely as possible.
What Is the Recovery Rebate Credit?
The Recovery Rebate Credit is not a new stimulus check. It’s a second chance to claim the third stimulus payment originally sent under the American Rescue Plan Act of 2021. While most eligible Americans received this check automatically, nearly 1 million people still haven’t claimed it. That’s why the IRS is offering this final window to file a 2021 return and collect the money you’re owed.
Quick Overview
| Detail | Information |
|---|---|
| Payment Amount | Up to $1,400 per eligible individual |
| Claim Deadline | April 15, 2025 |
| Eligibility | Based on 2021 income, filing status, and more |
| Delivery Method | Direct deposit or paper check |
| Where to File | IRS.gov |
Why People Missed the Third Stimulus Check
Many missed the third stimulus payment for common reasons, including:
- Not filing a 2021 tax return
- Outdated or incorrect bank information
- Changes in mailing address
- Being unaware they qualified due to low or no income
If any of these apply to you, you might still be eligible to claim the full amount or the portion you didn’t receive.
Who Qualifies for the $1,400 Payment?
The eligibility criteria for the third stimulus check are the same as they were in 2021:
Income Thresholds
| Filing Status | Full Payment Up To | Phase-Out Limit |
|---|---|---|
| Single | $75,000 | $80,000 |
| Head of Household | $112,500 | $120,000 |
| Married Filing Jointly | $150,000 | $160,000 |
Even if you received a partial payment in 2021, you can still claim the difference through the Recovery Rebate Credit if you didn’t get the full $1,400.
Additional Requirements
To qualify, you must also:
- Be a U.S. citizen or legal resident
- Have a valid Social Security number
- Not be claimed as a dependent on someone else’s tax return
How to Claim the Recovery Rebate Credit
Claiming your missed stimulus payment is simple, but it does require filing a 2021 federal tax return, even if you had no income that year.
1. File Your 2021 Tax Return
You can use IRS Free File, TurboTax, H&R Block, or another approved e-filing service. Filing electronically will help you get your payment faster.
2. Complete Form 1040
Look for the section labeled Recovery Rebate Credit on your 2021 return. Be sure to fill it out accurately, as this is how the IRS determines what you’re owed.
3. Submit Before April 15, 2025
This is the absolute deadline. If you file after this date, you forfeit your chance to receive the payment permanently.
When to Expect Your Payment
Once your 2021 return is processed, payments are typically issued within 4 to 6 weeks. You’ll receive the money either:
- Via Direct Deposit – If you include valid bank info
- By Paper Check – If no banking info is provided
Some late claimants began receiving payments as early as December 2024, and more are expected in early 2025 as long as they meet the deadline.
Watch Out for Scams
Stimulus payments often attract scammers. Here’s how to protect yourself:
- The IRS will never call, email, or text you for personal information.
- Only use official IRS tools like the Get My Payment tracker.
- Report suspicious activity to phishing@irs.gov.
If someone claims they can “speed up” your payment or asks for money to file your return — it’s a scam. Walk away.
Common Mistakes to Avoid
- Filing the wrong year – Only your 2021 return is valid for this credit.
- Skipping the Recovery Rebate Credit section – It’s essential for processing your claim.
- Missing the deadline – File before April 15, 2025, or risk losing the payment forever.
This is your final opportunity to receive the third stimulus payment. If you or someone you know missed out, take action now.
FAQs
Is this a new stimulus check?
No, it’s a missed 2021 payment that you can still claim using the Recovery Rebate Credit.
Who qualifies for the $1,400 payment?
Anyone under the income limits who didn’t get the full third stimulus in 2021.
How do I claim the payment?
File a 2021 federal tax return and complete the Recovery Rebate Credit section.
What’s the filing deadline?
You must file by April 15, 2025 to receive the payment.
Can I still qualify if I had no income?
Yes. Even individuals with no income are encouraged to file.
