If you’re a senior who missed out on the third round of stimulus checks back in 2021, there’s some good news — but you need to act fast. The IRS is offering one final chance to claim the $1,400 payment through what’s called the Recovery Rebate Credit, and the deadline to file is April 15, 2025.
Here’s what you need to know to make sure you don’t miss out.
Who’s Still Eligible?
Not everyone qualifies for this late payment, but many seniors do — especially those who didn’t file a tax return in 2021 or didn’t realize they had to claim the credit to receive their check.
You may be eligible if:
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You never got the third stimulus check (worth $1,400).
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You didn’t file a 2021 tax return, or you filed one but didn’t claim the Recovery Rebate Credit.
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You aren’t listed as a dependent on someone else’s return.
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Your income in 2021 was within the qualifying range (less than $75,000 if single or $150,000 for married couples).
Even if you’re receiving Social Security, SSI, or SSDI, you could still qualify — especially if you typically don’t file taxes.
How Do I Claim It?
It’s actually pretty straightforward.
If you didn’t file taxes for 2021, you’ll need to do that now — yes, even though it’s 2025. When filling out your return (Form 1040 or 1040-SR), make sure to include the Recovery Rebate Credit on Line 30.
If you did file a 2021 return but didn’t claim the credit and never received the money, don’t worry — you can file an amended return using Form 1040-X to fix it.
Also, check your mail or online IRS account for Letter 6475, which outlines what you were paid in 2021. That’ll help confirm whether you missed the third check.
When Will the Money Arrive?
The IRS began issuing these catch-up payments in late March. They’re being sent in waves, mostly based on your birth date.
Here’s the current schedule for April 2025:
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If you were born between the 1st and 10th of any month: Payment expected around April 9
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Born between the 11th and 20th: Look for it around April 16
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Born between the 21st and 31st: Your payment should arrive by April 23
Seniors born before 1997 who receive SSDI or SSI may have already seen their payments land in early April.
Payments are going out via direct deposit first. If the IRS doesn’t have your bank information, you’ll likely get a paper check or a prepaid debit card in the mail.
How Can I Track It?
You can follow your payment’s progress using the IRS’s “Where’s My Refund?” tool online. It’s updated daily and works whether you filed electronically or mailed in your return. You can also create or log into your IRS account to see your 2021 payment history.
If you’re worried about scams — and there are definitely some out there — remember this: the IRS will never call, text, or email you about a stimulus check. If you get a message like that, it’s a red flag.
The Clock’s Ticking
April 15 is just around the corner. If you’re a senior who didn’t get your $1,400 check and you qualify, this is your last chance to claim it.
Don’t assume you missed the boat. Even if it’s been a few years, the money is still there — but only if you take action now. Filing your 2021 return might feel like a hassle, but for $1,400, it’s well worth the effort.
If you need help, check out IRS.gov or ask a trusted tax preparer. Just don’t wait too long — because after April 15, the opportunity is gone for good.
