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What to do if You Still Haven't Gotten Any Stimulus Payments From the Government

What to do if You Still Haven't Gotten Any Stimulus Payments From the Government

Almost every part of the world is still feeling the impact of the pandemic, and a way out initiated by the government is through stimulus payment. The Internal Revenue Service distributes the package; over 150 million people have received theirs. However, some people are part of the population that haven't gotten theirs. This happened because the IRS shared the money starting from the closest people. 

The payment was first received by taxpayers that have paid their 2019 or 2018 tax returns. The IRS sent the refund directly to their functioning or registered bank account. But if you haven't gotten your first, second, or third stimulus check, now is the time to take some proactive steps 

Such money is considered a federal tax credit, aka Recovery Rebate Credit, and it's received as a tax credit in the form of a tax refund. However, you can only claim the money through a tax return. Here is what to do if you haven't received your stimulus payments.

Here's what to do if you haven't gotten the rebate:

  1. Check your mail

The IRS made this payment as a paper check by email or through a bank account. And there are rumors that more than 4 million individuals will get a prepaid debit card by mail. Money Network Cardholder Services will send the visa debit cards. The IRS may send the stimulus via debit card to individuals who haven't filled their deposit account with the IRS. 

Such a debit card method is combined with the paper check method to make the allocation faster. However, the technique is limited to only 5 million individuals weekly, and the petite earner gets first. Previously, the IRS still accepted updated bank details online if you intend to get a check by mail. 

  1. File your tax return

You must file a tax return for a particular year to receive the stimulus money. This rule is for individuals with less than $12,200 per annul and couples with less than $24,400 annually. Low-income earners who are not usually obliged to file tax returns must submit some details to the IRS website before receiving the rebate. 

The IRS website is a non-filer tool and requests personal details such as names, DOB, account details, and SSNs. This information must tally with the person filing the tax returns and their dependents. Beware that the official site does not request details concerning your income.

3. Get your PIN

A pin is required to access the stimulus to prevent identity theft. The IRS issued a pin, Personal Identification Number as an added verification factor for filing tax returns. But if you've misplaced or lost the PIN or haven't gotten any, go online to recover one. The method of doing it online is a bit challenging. 

The process requires personal information like a credit card or loan account number to confirm your identity. Those with debit cards cannot use this process. This is where the problem lies, as some people lack this type of account. The only option remaining is to file a paper tax return to the IRS to get your stimulus payment.

Some people aren't qualified for the stimulus payments.

The amount of income determines which individuals are eligible for the stimulus. The rebate is not given to individuals earning above $99,000, a household with a single child earning above $136,500, and couples earning above 198,000 with no children. 

Families with higher earnings but have children are eligible. The number of children in a family determines the phase-out limit. For instance, a family with two kids who earn above $218,000 enjoys a complete phase. Another eligible group is individuals that file dependent tax returns, such as college students as unregistered immigrants with no SSN, including nationalists married to a partner with a taxpayer identification number.  


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Pat Raskob
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