Many Americans may not realize it, but if you missed your stimulus check during the pandemic, you still have a chance to claim that money—but only if you act before April 15, 2025.
The CARES Act, passed by Congress on March 27, 2020, gave direct payments to help people during the COVID-19 crisis. While most people received their payments automatically, millions of Americans—especially those living abroad or with changing income—may still be eligible to claim money they never received.
What Was the 2020 CARES Act Stimulus Payment?
The Coronavirus Aid, Relief, and Economic Security (CARES) Act was a $2 trillion relief package designed to support Americans during the early months of the COVID-19 pandemic. It included:
- $1,200 for eligible individuals
- $2,400 for married couples
- $500 for each qualifying child
These payments were based on your 2018 or 2019 tax return, but some people didn’t qualify at first due to higher income, late filings, or changes in their financial situation.
Can Americans Abroad Get a Stimulus Check?
Yes. U.S. citizens living overseas were also eligible to receive the stimulus payment. Even if you’re not living in the United States, you can still claim your money—as long as you filed a tax return or were eligible to do so.
This applies to nearly 9 million Americans living abroad, according to the U.S. State Department, many of whom may not have realized they qualified.
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How to Claim the 2021 Unclaimed Stimulus Check
If you didn’t receive your full stimulus payment, you can still claim the money through the Recovery Rebate Credit (RRC). This credit is part of your 2020 federal tax return.
Requirements:
- You must file Form 1040 or Form 1040-SR
- Include the Recovery Rebate Credit Schedule
- Report any partial payments you already received
Even if you weren’t required to file taxes, you can still file now and claim the credit. This is a refundable tax credit, which means you could get a refund even if you owe no taxes.
Income Thresholds:
The full stimulus amount is based on the following income limits:
- $75,000 for single filers
- $112,500 for head of household
- $150,000 for married couples
If you earned more in 2018 or 2019, but your income dropped in 2020, you may now qualify. For example, someone who earned $80,000 in 2019 but dropped to $70,000 in 2020 may be eligible to claim the full $1,200 payment.
Important Deadline: April 15, 2025
To claim your unclaimed stimulus check, you must file your 2020 tax return with the Recovery Rebate Credit by April 15, 2025. After that date, the money goes to the U.S. Treasury, and you will lose your chance to claim it forever.
If you’re unsure how to file or whether you’re eligible, it’s recommended to talk to a tax professional or visit the official IRS website for assistance.