$1,400 stimulus checks coming in July 2025: Many Americans are unaware they can still get money from the third round of government stimulus payments to be distributed in 2021. If you never received your full $1,400 payment or you skipped it altogether, you have one last chance to claim what you’re entitled to through a special tax credit program.
$1702 Stimulus Payment in July 2025 – Full PFD Payment Schedule & Eligibility Guide
Understanding the Recovery Rebate Credit Program
The Recovery Rebate Credit serves as a safety net for those who did not receive their full third stimulus payment during the initial distribution in 2021. The program was designed as part of the American Rescue Plan Act to ensure that no eligible American is left behind during the economic challenges of the pandemic. The credit allows you to recover up to $1,400 per eligible person in your household, including dependents.
The government automatically issued these payments to most people, but millions of people missed out on payments due to a variety of circumstances. The Internal Revenue Service estimates that about one million Americans may still be eligible for this money, representing hundreds of millions of dollars in unclaimed benefits.
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Who Can still Claim This Money?
If your income fell below certain thresholds in 2021, you may be eligible for the Recovery Rebate Credit. Single filers with incomes under $75,000 can receive the full payment, while benefits are gradually reduced for those with incomes between $75,000 and $80,000. Heads of household with incomes under $112,500 are eligible for the full payment, and married couples filing jointly can receive the full amount if their combined income was less than $150,000.
Beyond the income requirements, you must be a citizen or legal resident of the United States with a valid Social Security number. You cannot be claimed as someone else’s dependent, and most importantly, you must file a 2021 federal tax return to claim the credit, even if you had no income that year.
Common Reasons Why People Miss Their Payments
Several groups of people typically missed out on their stimulus payments during the original distribution. Non-filers who typically do not submit tax returns often never received their money because the government had no way of finding them. Young adults who turned 18 in 2021 often missed out on payments because they were not included in their parents’ previous filings.
People who moved houses or changed bank accounts between filing their taxes and having their payments distributed sometimes had their money sent to old addresses or closed accounts. Additionally, individuals whose life circumstances changed significantly, such as getting married, getting divorced, or having new dependents, may receive the wrong payment amount based on out-of-date information.
How to Claim Your Missing Payment
The only way to get your missed stimulus money is to file a 2021 federal tax return, regardless of whether you normally file taxes or not. You can complete this process electronically using free filing software provided by the IRS, commercial tax preparation programs, or by visiting a local tax professional.
When preparing your return, you’ll need to find the Recovery Rebate Credit section on Form 1040. This section will ask you to report any stimulus money you’ve already received, then automatically calculate how much additional money you’ll receive. The process is straightforward, but it’s important to pay attention to the details to make sure you get the right amount.
Important Deadlines and Payment Information
The final deadline to file your 2021 tax return and claim this credit is April 15, 2025. This date cannot be extended, and missing it means your right to this money is gone forever. Once you file your return, you can expect to receive your payment within four to six weeks, with electronic filers typically receiving their money sooner than those who submit paper returns.
If you provide banking information on your tax return, the government will send your payment via direct deposit, or mail a paper check to your address if electronic payment isn’t available.
Disclaimer: This article is for informational purposes only and should not be considered professional tax advice. Tax situations vary according to individual circumstances. For specific guidance about your eligibility or filing requirements, consult a qualified tax professional or visit the official IRS website at IRS.gov for the most current and accurate information.
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