IRS Announces Surprise Stimulus – Apply by May 15 to Receive Your 2025 Payment

If you missed out on the third round of stimulus checks worth up to $1,400 during the COVID-19 pandemic, the IRS is giving you one last chance to claim it—but time is running out. You have until May 15, 2025, to file a 2021 federal tax return and receive the Recovery Rebate Credit (RRC). This overlooked credit could put hundreds or even thousands of dollars back in your pocket.

Whether you’re a low-income earner, retiree, veteran, student, or non-filer, here’s everything you need to know to claim your stimulus check before it’s too late.

Overview

This is your final shot to claim one of the largest single payments from the pandemic era—and all you need to do is file a 2021 tax return.

Purpose

Why now? Millions of Americans missed out on the third stimulus due to missed tax filings or incorrect information. To fix this, the IRS is offering the Recovery Rebate Credit to help you get what you’re owed.

This last-chance stimulus is especially aimed at helping:

• Seniors who don’t usually file taxes
• Low-income households
• Veterans and disability recipients
• People who had no income in 2021

Recovery Rebate Credit

The RRC is a refundable tax credit, meaning it can result in a refund even if you owe no taxes. It was created to ensure that everyone eligible for the third stimulus payment gets another shot at claiming it.

• $1,400 per adult
• $1,400 per dependent (no age limit)

That means a family of four could receive up to $5,600.

Eligibility

To qualify, you must have been eligible for the third stimulus but didn’t receive it in full. The 2021 tax year income guidelines are as follows:

Even if you had zero income in 2021, you may still qualify. This includes people on Social Security, SSI, SSDI, or unemployment.

How to Claim It

Log in to your IRS Online Account and look for IRS Letter 6475. This confirms how much of the third stimulus you received in 2021. If it says $0 or less than expected, you’re likely eligible for the RRC.

Gather Documents

You’ll need:

• Social Security Number or ITIN
• Any proof of income (W-2s, 1099s, if applicable)
• Direct deposit info for faster refunds
• Personal ID and proof of residency

File Your 2021 Tax Return

There are several ways to file:

• IRS Free File: For income under $73,000
• Paid software or tax preparer: For more complex returns
• Paper Form 1040: Download and mail it

If you need help, check out VITA (Volunteer Income Tax Assistance) programs near you.

Track Your Refund

Use the IRS “Where’s My Refund” tool after you file. You’ll need your SSN, filing status, and expected refund amount.

Already Filed But Didn’t Claim?

If you forgot to claim the Recovery Rebate Credit, don’t panic. You can file an amended return using Form 1040-X. Visit the IRS amendment portal for guidance. It’s the most reliable way to receive your missed payment.

1. Earned Income Tax Credit (EITC)

You could receive:

• Up to $6,728 for families with three or more children
• Up to $1,502 for low-income workers without kids

2. Child Tax Credit (CTC)

In 2021, families could claim:

• $3,600 per child under 6
• $3,000 per child aged 6–17

It’s fully refundable, which means you get the full amount even if you owe no taxes.

Don’t leave this money on the table. Filing a 2021 return could unlock thousands of dollars you’re entitled to.

FAQs