You should by now have received three stimulus payments from the federal government. The last of them, which the IRS processed in April, was for recipients of benefits through the Supplemental Security Income and Social Security Disability Insurance programs administered by the Social Security Administration.
If you did not receive a direct deposit or SSD stimulus check, this article offers information to help you determine what happened to it and resolve any issue that may have prevented you from receiving the stimulus payments. Keep in mind that a Social Security disability advocate at The Daniel Berger Law Office should be the first source you go to for knowledgeable and insightful advice on applications, appeals, and general questions about the SSI and SSDI programs.
The American Rescue Plan that was signed into law earlier in the year included the third round of stimulus payments for all Americans who fall within the income limits included in the legislation. If you receive Social Security disability benefits through the Social Security Disability Insurance or Supplemental Security Income programs, you should have received your check by now.
The following information may be of help to anyone who has not received the most recently approved stimulus payment or either of the two previous rounds of payments. Also, keep in mind that a good place to obtain trusted advice and guidance about Social Security disability benefits is The Daniel Berger Law Office where a Social Security disability advocate is available to answer questions and help with applications and appeals.
Eligibility guidelines for stimulus payments
Eligibility for the economic stimulus payments was limited to individuals whose adjusted gross income as reported on their federal income tax returns did not exceed $75,000. Taxpayers filing their taxes as a head of household qualified for a stimulus payment with an adjusted gross income that did not exceed $122,500. For married couples, their adjusted gross income as shown on a joint tax return could not exceed $150,000.
Individuals who receive benefits through certain government programs automatically qualify for an economic impact payment. The benefit programs include:
- Social Security retirement and survivors benefits
- Railroad retirement and survivors benefits
- Disability, pension, and survivors benefits through the Department of Veterans Affairs
An additional requirement to automatically qualify for the economic impact payment, your income must have been too low for you to be required to file federal income tax returns for the 2018 and 2019 tax years. The eligibility requirement concerning the filing of income tax returns may apply to individuals who receive benefits through SSDI and have substantial reportable income from sources, such as investments, that do not prevent them from qualifying for SSDI but must be reported to the IRS.
How were payments issued to SSI and SSDI beneficiaries?
The IRS, which handled the processing of stimulus payments, used direct deposit information it had for people who filed federal income tax returns for either the 2020 or 2019 tax year. The bank designated in the return for direct deposit of any tax refund would be where the IRS sent stimulus payments.
If you filed a 2020 or 2019 federal tax return and requested a check instead of direct deposit of any refund, the stimulus check would be sent to your address on the tax return. The same address would be used to mail you a debit card, which is the other option instead of a check.
If you receive SSI or SSDI benefits, the IRS uses information obtained from the Social Security Administration to send you the stimulus payment. The IRS sent the payment to the same address where you receive your check SSD or check Social Security Disability.
What to do if you did not get your stimulus check?
Because there were three rounds of stimulus payments, there are different procedures to follow to locate a lost payment for each of them. If you did not get your payment from rounds one and two can be claimed as a recovery rebate credit on your 2020 federal income tax return. It will come to you as a credit against taxes that you owe or as a tax refund. Missing third-round payments may be claimed on your 2021 federal income tax return.
If you check the status of your payment through the IRS and discover that it was issued and never received, you may ask them to trace it. Be aware that the following waiting periods apply before you can ask for a lost payment to be traced:
- Direct deposits – five days.
- Checks mailed to current – four weeks.
- Checks mailed to a former address – six weeks.
- Checks mailed to a foreign address – nine weeks.
Do not let the waiting periods or hassle of having to deal with the IRS stand in the way of getting the money that you are entitled to receive.
The good news about your stimulus check
The good news is that when you finally get your stimulus check, it will not affect the check SSD sends you through SSI. The SSA will not treat it like an SSI resource for 12 months, and the check Social security disability sends you through SSDI will not be affected because the stimulus payment is not earned income.
If you have questions about SSI and SSDI, get answers from The Daniel Berger Law Office. Our Social Security disability advocates are ready to help with all SSD matters.