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Why haven't I received my Economic Impact Stimulus Payment??

If you woke up the other day to find the government stimulus check in your bank account, Congratulations! This article isn’t for you.  If you haven't received your Economic Impact payment from the IRS yet, here are some reasons why.

There are a few reasons why you may not be receiving a stimulus check. It could be because of your age, income, immigration status, or some other disqualifying factor. Here's a list of people who won't be getting a stimulus check. (If you are getting a payment, the IRS has setup a page to help to check the status of your payment.)

High Income Individuals

Stimulus checks start at $1,200 per eligible person ($2,400 for married couples who file a joint tax return). If you have children who qualify for the child tax credit (basically, kids 16 years old or younger), there'll be an extra $500 tacked on for each child. So, for example, a married couple with two children can get up to $3,400. (Use our Stimulus Check Calculator to figure out how much you can get.)

However, stimulus payments are gradually phased-out for people at certain income levels (based on your 2018 or 2019 tax return, whichever one you filed most recently). If your income is high enough, your check will be completely phased out and you'll get nothing! For single people, that happens if your adjusted gross income (AGI) is above $99,000. If you're married and file a joint tax return, you'll get nothing if your AGI exceeds $198,000. If you claim the head-of-household filing status on your tax return, your payment will be reduced to zero if your AGI tops $136,500. Stimulus Check Calculator

Dependents on Tax Returns

If you can be claimed as a dependent on someone else's tax return (whether or not you're actually claimed as a dependent), you won't receive a stimulus check. That means no payments to children living at home who are 17 or 18 years old, or to college students who are 23 or younger at the end of the year who don't pay at least half of their own expenses.

Other dependents won't receive stimulus payments, either. For example, an elderly parent living with an adult child is out of luck and won't get a check.

Nonresident Aliens (i.e. ITIN holders)

Nonresident aliens won't be getting a stimulus check in the mail. Generally, a "nonresident alien" is not a U.S. citizen, doesn't have a green card, and is not physically present in the U.S. for the required amount of time.  See IRS Publication 519 for more information on the taxes for nonresident aliens.

People Without a Social Security Number (ITIN Holders)

In general, you must have a Social Security number to get a stimulus check. There are, however, two exceptions to this rule. First, an adopted child can have an adoption taxpayer identification number (ATIN) instead of a Social Security number. Second, for married members of the U.S. armed forces, only one spouse needs to have a Social Security number.

To get the extra $500 for a qualifying child, your son or daughter must also have a Social Security number. If they don't, then you won't get the addition amount.

Individuals that have not filed 2018 or 2019 Tax Returns

The IRS is automatically sending payments to people who filed a 2018 or 2019 federal income tax return. Social Security recipients, including people who receive Supplemental Security Income (SSI), will receive stimulus checks automatically, too. However, if the IRS can't get the information it needs from your tax records or the Social Security Administration, then it can't send you a check. Fortunately, there's a way around this if you want a check now. But it requires some action on your part.

For people who don't file a tax return or receive Social Security benefits, go to the IRS's web-based portal and provide the IRS with the information it needs to cut you a stimulus check. It's a pretty easy process, and you can even provide your bank account information if you want to have your payment deposited directly into your account.

However, even if you don't get a check now, you won't lose out on the money if you're eligible for a payment—you'll just have to wait until next year to get it. You can claim the proper amount as a tax credit next year if you file a 2020 tax return by April 15, 2021.

Individuals who owe back-Child Support 

Stimulus money is generally not subject to reduction or offset to pay back taxes or other debts owed to the federal government. However, if you owe child support, the IRS can use stimulus check money to pay arrears. If your child support debt is greater than your stimulus check amount, you could end up missing out on a stimulus payment entirely.

The above doesn't pertain to you? All is not lost!

So if you do not fall under any of the above, but still haven't received your stimulus payment yet, fear not!  You may be in the large group of taxpayers that can expect a paper check in the mail, however this is expected to be delivered within the next couple of months.

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