The IRS started sending out checks for the third stimulus for $1,400 on March 12th. However, the question that our readers have been asking is this – When will Social Security Get Stimulus Check? Specifically, when can Social Security, SSDI, SSI, and Direct Express cardholders expect to receive the $1,400 third stimulus? We can help you get the answers below.
In this post, we will walk you through the third stimulus eligibility criteria.
Next, we will provide the latest timeline for when we expect the IRS to send stimulus payments to Social Security, SSDI, SSI, and Direct Express cardholders and people who don’t file taxes.
Also, we will answer questions around whether your stimulus check can be taken by debit collectors or garnished for child support and other debts.
Lastly, we will answer other frequently asked questions about the third round of stimulus.
This post will cover:
- Will people on Social Security get a stimulus check?
- What is the Third Stimulus Check Eligibility and Income Limit?
- When will Social Security Get Stimulus Check?
- Social Security Stimulus Check Deposit Timeline
- Can Stimulus Checks be Garnished – for Debt or Child Support?
- Are Stimulus Checks Taxable Income?
- Stimulus Check FAQs
Will people on Social Security get a stimulus check?
Yes, Social Security beneficiaries, SSDI beneficiaries, and railroad retirement beneficiaries will get a stimulus check
In fact, anyone who receives Social Security benefits qualifies for all three stimulus checks including:
- Retired Seniors
- Railroad retirees
- SSDI beneficiaries
- SSI Recipients
If you haven’t received your stimulus payment yet, it may just be a matter of time.
Continue reading and we’ll outline the details for you.
What is the Third Stimulus Check Eligibility and Income Limit?
Here’s the income limit for the Third Round of stimulus checks signed into law by President Biden.
How much you are eligible for in the third round of stimulus depends on your income.
In general, the IRS will use the most recent tax return information it has on file to determine eligibility for the stimulus payments.
That means that if you are yet to file your 2020 return, your 2019 return will be used.
Here’s the income eligibility for stimulus round three based on Adjusted Gross Income (AGI) from your tax returns:
$1,400 for qualifying adults
2,800 for qualifying couples who file a joint tax return
$1,400 for each dependent child under the age of 17
$1,400 for each qualifying adult dependent
If you’re a single filer, your payment is reduced if your adjusted gross income (AGI) is above $75,000.
For married couples filing jointly, the phaseout begins at an AGI of $150,000. If you file as head of household, the reductions begin at $112,500.
Here is a summary of the income thresholds for the third stimulus payments.
|Full $1,400 per person maximum (based on AGI)||Not eligible (based on AGI)|
|Single taxpayer||Less than $75,000||$100,000 or more|
|Head of household||Less than $112,500||$150,000 or more|
|Married couples filing jointly||Less than $150,000||$200,000 or more|
The payments are based on either 2019 or 2020 income.
If you have filed your 2020 tax returns already, your 2020 income will be used to determine your eligibility for the $1,400 stimulus payment.
Who is NOT eligible?
- Individuals who earned more than $80,000
- Married couples who earned more than $160,000, and
- Heads of household who earned more than $120,000
When will Social Security Get Stimulus Check?
To date, the IRS has sent out about 90 million of the third stimulus checks in the first batch of deposits.
The second batch of those $1,400 checks is due to arrive via direct deposit by Wednesday, March 24th.
Additionally, more payments have also been sent by mail as a paper check or prepaid debit card.
As the IRS continues to send stimulus checks by direct deposit to millions of Americans, one group that has been left out is Social Security beneficiaries.
This includes SSI and SSDI recipients, and those that do not make enough money to file taxes.
Congress Wants a Date for Social Security Recipients
This has caught the attention of Congress.
Some lawmakers have expressed concern that recipients of Social Security and other federal benefits have yet to get their stimulus money.
The IRS has not provided a timeline for when payments will be sent.
However, the lawmakers have asked for an update by Friday, March 26, on when federal beneficiaries will receive the money.
Here’s what we know about the timeline for when Social Security and other federal benefits recipients will get their money:
Social Security Stimulus Check Deposit Timeline
|Process Remaining for Stimulus Bill||Actual and Future Possible Dates|
|House of Representatives Passes Bill||February 27, 2021|
|Senate Passes Stimulus Bill||March 6, 2021|
|House of Representatives Votes on Senate Bill||March 9, 2021|
|Stimulus bill signed into law by President Biden||Thursday, March 11|
|First direct deposit check sent by IRS||March 12 (pending), March 17 (official)|
|Direct Deposit Continues||March 15 – March 31|
|First paper checks sent by IRS||Week of March 22|
|SSI and SSDI checks sent||Not yet announced (Likely end of March and entire month of April)|
|First batch of paper checks arrive||April 1 – April 15|
|First EIP Prepaid Debit Card sent by IRS||Week of March 29|
|First batch of EIP Prepaid Debit Cards arrive||April 7-21|
|IRS deadline to finish sending checks||Dec. 31, 2021 (mandated by the bill)|
|Last date to receive a check||January 2022 (if checks sent late December)|
|Claims for missing stimulus money open||2021 tax season likely (in 2022)|
Can Stimulus Checks be Garnished – for Debt or Child Support?
The answer is complicated.
Just like in the past, these stimulus checks can’t be garnished by the federal government or the IRS.
First, the $1,400 stimulus payments would be protected from an outstanding tax debt or debt collected by governments including child-support offsets
However, other forms of debt, including state taxes and private lending, are still vulnerable to garnishment.
This means that private companies and debt collectors can garnish your stimulus check, depending on the type of debt you owe.
For example, If you’re behind on credit card payments and the credit card company has filed a judgment against you, they will be able to access your stimulus payments.
For details more details on this topic, see our post on whether the third stimulus can be garnished.
Are Stimulus Checks Taxable Income?
″…the Payment is not includible in your gross income. Therefore, you will not include the Payment in your taxable income on your Federal income tax return or pay income tax on your Payment. It will not reduce your refund or increase the amount you owe when you file your 2020 Federal income tax return.”
The payment will also not impact your income level for purposes of determining eligibility for federal government assistance or benefit programs.
Lastly, If you haven’t received your stimulus money, it will come in form of a tax credit, which means it will be wrapped up with your tax refund.
Here’s what you need to know:
The stimulus checks are considered tax credits, not income.
Therefore, you will not have to report them as income when you file your tax returns in 2021 (or for the third payment next year).
Additionally, any tax refund you are owed this year or next will not be reduced because of the stimulus checks you received.
Furthermore, your stimulus payments will also not impact your income level for purposes of determining eligibility for federal government assistance or benefit programs, such as SNAP or Medicaid.
Stimulus Check FAQs
Here are the most frequently asked Stimulus Check questions:
Will I get a Stimulus Check if I did not File a Tax Return?
Yes, Social Security recipients who typically don’t file a tax return do not need to file a tax return to get their stimulus check.
The IRS is now working with the Social Security Administration and other federal agencies to get your information for your stimulus check.
Also, if you didn’t file a 2019 tax return, the IRS will use your Social Security benefit information (Form SSA-1099 or Form RRB-1099) to determine where to send your payment.
I Moved Since the Last Stimulus Checks. How Will I Get My Money?
If the IRS mails your check to a previous address and you haven’t set up mail forwarding, the payment will get returned to the IRS.
If that happens, you may be able to provide the IRS with your direct deposit information to receive your payment that way.
However, if you do not want to provide direct deposit information, you’ll need to notify the IRS of your new address so it can resend your payment.
How do I check the status of my Stimulus Check with the IRS?
The IRS Stimulus Check Status Tracker is a tool by the IRS to help get the status of your stimulus check.
You can use the IRS Stimulus Check Status Tracker to get the status of your $1,400 stimulus payment and check on the first and second round of stimulus payments.
The first step in getting the status of your stimulus is to visit the “Get my Payment” portal.
Click here to be taken to the Get My Payment portal.
Next, you will be asked to provide your personal information in order to retrieve your stimulus payment status.
- Social Security Number or Tax ID Number
- Date of Birth
- Street Address
- Zip Code
For a step by step instructions on how to use the IRS stimulus tracker, click here.
Can Homeless People Get a Stimulus Check?
Yes, a homeless person can get a stimulus payment.
However, you will have to provide your information to the IRS so they know where to send your check. You can do this for free.
If you do not have a fixed address and you do not have a bank account, here’s what you can do:
You can reach out to a local community or religious organization or with a homeless shelter to see if you have options for getting your mail from the IRS delivered there.
Keep in mind that it may take some time for the IRS to process your tax return and your stimulus payment(s).
When will Social Security Get Stimulus Check Summary?
Here’s the bottom line:
The IRS started sending direct deposits of the third stimulus on Friday, March 12th, 2021.
Additional payments are going out on March 24th.
The IRS will provide a date soon about when Social Security, SSI, and SSDI recipients can
However, you can still get a status update on when you can expect your stimulus check using the IRS Stimulus Check Status Tracker.
To do so, you have to log into the IRS’ “Get My Payment” portal and provide your identifying information to get your check(s) status.
We hope this post on the question – “When will Social Security Get Stimulus Check?” was helpful.
If you have further questions about Stimulus Checks, Social Security, or Disability benefits, please let us know in the comments section below.
Be sure to check out our other articles on:
Third Stimulus Check FAQs
What is the Third Stimulus Check Release Date?
January 2022 SSI Payment Schedule
Direct Express Stimulus Check Deposit Date
Stimulus Debit Card FAQs
Direct Express Dispute Resolution Help
2022 Social Security Payment Dates
Find the Best SSI, SSDI Disability Lawyer