[August 2020 update] This IRS has fixed certain stimulus payment issues (which were due to a programming errors) for non-filer groups, many of whom are yet to receive their first $500 dependent stimulus credit. The resolved $500 dependent stimulus (economic impact) payments were being seen by several eligible recipients from early August for each qualifying child.
Further the IRS has announced it will reopen the registration period – starting Aug. 15 through Sept. 30 – for eligible non-filing federal beneficiaries (e.g. SSDI, Retirees and SSI recipients) who were eligible for the $500 per child payments but had not filed or needed to update payment details to get their payment. Those who file (via the IRS Non-filer tool) and are deemed eligible should start seeing their payments by Mid-October.
For those Social Security, SSI, Department of Veterans Affairs and Railroad Retirement Board beneficiaries who have already used the Non-Filers tool to provide information on children, no further action is needed. The IRS will automatically make a payment in October.
The above is great news for those who were in limbo about their payment and hopefully addresses many of the comments below.
2020 Tax Return Claimants (paid in 2021)
Any beneficiary who misses the Sept. 30 deadline will need to wait until next year and claim it as a credit on their 2020 federal income tax return. If you are not sure of your payment, you can check the status on the Get My Payment tool on IRS.gov.
Update and news on another Dependent Stimulus Payment in 2020
With a second stimulus check now almost a certainty it is also likely that Congress will soon pass another $500 dependent stimulus check to be paid in August 2020. Democrats had proposed that the payment be increased to $1000 but limited to 3 dependents, however it looks like the $500 amount will stay consistent given the increased number of dependents that will be eligible for this payment.
Democrat and Republican proposals, HEROS and HEALS acts respectively, also addressed the main issue with the original dependent stimulus (as discussed below) where it was limited to dependents under the age of 17. This has now been expanded under both parties’ proposals (which means it will be in the final bill) so that dependents under the age of 24 in high school or college will also be getting this dependent stimulus check. This will expand eligibility to another three million potential dependents.
At this stage it is likely that the $500 stimulus will be paid along with a second stimulus check towards the end of August 2020 in the same manner it was paid the first time around.
Stay tuned for additional updates once formal details are released.
Updated in May with answers at the end of this article. Several readers have asked questions around the additional $500 child dependent stimulus payment approved under the CARES stimulus bill. This is in addition to the $1200 individual and $2400 couple stimulus checks being paid to qualifying Americans. To get the supplementary child stimulus check payment you must have filed a recent (2018 or 2019) tax return, claimed the child as dependent AND the child must be younger than 17-years-old. They must also be related to you by blood, marriage, or adoption. There is no limit to the number of dependents who can qualify for the additional $500 in one household.
[Updated answer to the 700+ comments] By far the most common comment I am seeing on this article is where parent(s) have received their $1200/$2400 stimulus check but did not get their $500 kid stimulus credit for one or more of their eligible dependent children. This reader comment is a good example of this, “My husband and I filed married filing jointly and claimed our two boys 10 , and 6. We have filed it this way for years! And we only received the stimulus for us and nothing for them! And we have no idea who to call or how to fix this. It was obviously an error. Which is understandable considering all the people they have to do this for. But I just wish there was a way we could get the extra $1,000. Before filing next year.”
You can scroll down to see further examples (and some underlying reasons) like this but at this point there is little recourse for most people to resolve this in the near future as the IRS is not taking calls on this.
This age limit to get the dependent stimulus check is much younger than what is used by the IRS in the qualifying child test where a child must be younger than 19 years old or be a “student” younger than 24 years old as of the end of the calendar year. Hence the confusion being caused for many trying to claim this stimulus payment. So just remember if your child or eligible dependent is 17 or over at the end of 2020 you cannot claim the stimulus dependent payment for them. The full qualifying criteria for this payment is shown below.
College and High School Seniors Dependents
Thousands of college students and high school kids who are older than 17, but are still being claimed as a dependent by their parents or relative on their federal tax return, are unfortunately ineligible for the additional $500 payment based on current rules.
However if you are a college student AND filed a 2018 or 2019 tax return (file for free at Turbo tax), you may qualify for the $1200 stimulus check per standard rules. Note that you can still file a tax return (and must, if you want to get a refund of federal or state tax withholding) AND be a dependent on your parents return. So many 17 to 26 year old’s who filed federal returns will still not get a stimulus payment because they are considered dependents on their parents return (and their parents likely received a $500 tax credit for their dependency on the original return). A parent could technically file a revised tax return in which they no longer claim their college student (giving up $500) that would allow their child to claim the $1200 normal stimulus. This however may take a while to get paid out.
Grandparent, Step Parents and Relatives
It’s not uncommon for a grandparent, close relative or a step parent to claim a child living with them as a dependent. In these cases, the payment goes to the person who claimed that child as a dependent on the most recent tax return. They will still also have to meet the standard rules to qualify for the overall stimulus check payment. Just ensure multiple people don’t claim the same person as a dependent or like your tax refund, the stimulus payment could be delayed a long time as the IRS figures out the right person to pay.
Most people who qualify for this payment will get it along with their stimulus check payment (direct deposit or check). The IRS has already started making these payments. In special circumstances or where the IRS needs to investigate further, the payment will come separately at a later date. This payment is not taxable and does not have to be paid back. You also won’t be required to repay any of the stimulus check even if your qualifying dependent turns 17 in 2020.
The one exception to this are for veterans or those who receive Social Security retirement or disability benefits (SSDI), Railroad Retirement benefits or SSI and have a qualifying child. The IRS does not have their qualifying dependent information so they will have to explicitly register via the IRS’ Non Filers payment update tool by April 22nd to receive the $500 per dependent child payment in addition to their $1,200 individual payment. If beneficiaries in these groups do not provide their information they will have to wait until later in the year to receive their $500 per qualifying child payment.
Frequently Asked Questions (FAQ)
I am getting several hundred questions on this topic! Based on the IRS website and what I am seeing across several other reputable sites, I have tried to group and answer some of more common questions. Please consider this informational as everyone has a unique tax and life situation.
If parents or the primary filer does not qualify for $1200/$2400 stimulus check can they still get the $500 dependent stimulus?
It depends and the IRS guidelines are not very clear on for this. The ruling is that eligible taxpayers who filed tax returns for either 2019 or 2018 will automatically receive an economic impact payment of up to $1,200 for individuals or $2,400 for married couples AND up to $500 for each qualifying child. So it appears that both parents have to be eligible under standard rules to get the dependent stimulus. Note that the entire stimulus payment is subject to the income phase out – $5 for every $100 between the lower and higher Adjusted Gross Income (AGI) range – shown in the table below.
But where it gets a little complicated is that if you have kids, the maximum AGI threshold limits to get some of the $500 stimulus rise since your phase out limit is tied to your credit ($5 of credit for every $100 AGI). This allows you add $10,000 to your AGI limit for every child you claim as a dependent. For example if your income was exactly $99,000 as a single (or $198,000 joint) and you had no kids it would completely disqualify you for the standard $1,200 (or $2,400). But if you had two kids and were married filing jointly in 2019 you would still get some type of the $500 dependent stimulus until your AGI reaches $218,000.
|Status||Income Below Which FULL Dependent Stimulus is Paid||Max Income To Qualify for Stimulus (no kids)||Max Income to Qualify with 1 Child||Max Income to Qualify with 2 Children|
|Single or married filing separate||$75,000||$99,000||$109,000||$119,000|
|Head of household||$112,500||$136,500||$146,500||$156,000|
|Married filing jointly||$150,000||$198,000||$208,000||$218,000|
Why didn’t I get the child dependent stimulus payment I was expecting
This is by far the most common theme I see questions around. While everyone has a unique situation when it comes to a qualifying dependent here are some answers I found from my research on why you didn’t get a payment or where it was much lower than expected. I have also addressed questions in the many comments below so please review those before adding a new one.
Your child was claimed by someone else according to IRS records. In this case you won’t get the $500 payment and will need to lodge a claim with the IRS (process still to be confirmed).
While you may have qualified for the stimulus payment based on income thresholds (shown above) your dependent child wasn’t qualified per IRS records and CARES stimulus rules summarized below. This is even more strict than the Child Tax Credit (CTC) criteria.
- They must be related to you (blood, marriage, or adoption)
- They must either be under the age of 17 by the end of 2020
- You must claim them as a dependent on your tax return
- They cannot provide more than half of their financial support during the tax year and must have lived with you for at least half of the year
- They must be a U.S. citizen, a U.S. national or a U.S. resident alien
Note if you didn’t qualify for the CTC in your 2018 or 2019 tax return, you will not qualify for this stimulus payment either!
You get Social Security retirement, disability benefits (SSDI), Railroad Retirement benefits or SSI. Per the section above you need to take an extra step and explicitly register via the IRS’ Non Filers payment update tool to receive the $500 per dependent child payment
Children born or adopted in 2020 or Change in Dependent status
If you had or adopted a child in 2020 or there was a change in dependent status since your 2019 tax filing the parent or qualifying relative could still be eligible for the $500 payment. But it will not be paid in via the current batch of stimulus check payments and will instead need to be claimed in your 2020 tax return as an additional credit. This is because the IRS is basing stimulus check payments on information from your 2019 or 2018 tax return, which won’t reflect children born or adopted this year, or any change in dependent status.
Past-due child support and garnishment lowered payment
The $500 child stimulus, like the regular adult stimulus payment, can be offset only by past-due child support or can be garnished by creditors once it hits your bank account. Both these reasons could mean a lowered stimulus payment that may look like you didn’t get the $500 additional kid stimulus. You will need to wait for a letter from the Bureau of the Fiscal Service to confirm the offset. For garnishments you will need to check with your bank to see which creditors have taken this payment.
IRS payment errors and missing dependent payments
The most common error I am seeing across the comments on this article is around the following examples:
“I claimed my [son or daughter] for [2018 or 2019] taxes and didn’t receive $500! What’s going on?????
My husband and I received 1200 each but nothing for our 13 year old son. We are under the income guidelines, no child support involved, and he has always been claimed on our taxes. I sure hope there is a solution to this soon. It’s so strange that this has happened to so many people.
“We received our $2400.00 stimulus check on April 15, but didn’t get the additional $500 for our son/daughter. Is there something additional I need to fill out?”
So today I finally received my 1200 stimulus payment, which was suppose to be 1700 with the 500 for my son who is 8. I filed my taxes with him as a dependent and don’t understand why I did not receive the 500!! This is pretty heartbreaking that our country is falling apart and the only money I had coming in to support us during this time I didn’t even receive the full amount.
I used the IRS non filers tool to get my stimulus check. I received the $1200 stimulus payment, but did not receive the dependent portion for my 8 year old son. Upon review of the 1040 form I downloaded after submitting my personal information for my son and I, using the IRS Non-Filers Tool. I noticed that the box for the child tax credit was not [✔]checked off. Even though my son does qualify for the dependent stimulus payment. This is definitely an error on the IRS side. Checking the box was not an option when filling out the form online. It was something that had to be done when the form was generated using the tool. Anyway, my theory is that the “box” not being checked is the reason myself and many others did not receive their dependent portions of the stimulus payments.
Readers have left several comments along these lines and at a high level it looks the IRS is either not paying the $500 correctly for qualifying dependents or missing payments for families with multiple dependents, despite the adults getting the standard $1200 or $2400 stimulus.
But even if you do see a clear error or miss in your payments it might be difficult to get a hold of someone in the IRS to correct the issue in the near future. This is because the IRS teams are focused on getting the remaining stimulus payments out and have staffing constraints due to Coronavirus/COVID-19 related absences.
Also note if the IRS is still processing your 2019 tax return or refund it will likely use your 2018 tax return data to process this stimulus payment, so if your dependent information changed between your 2018 and 2019 return (e.g you had a kid) you may have a missed payment that would have been accounted if your 2019 tax return had actually been processed.
Can I contact the IRS for Stimulus Check Payment Issues or Errors?
The IRS has been mailing Economic Impact Payment (EIP) letters to each eligible recipient’s last known address 15 days after the stimulus check payment is made. It was supposed to provide details on how the payment was made and how to report any failure or underpayments (e.g a way to report the missing $500 payment). Unfortunately the letter has been of little help as discussed in this article. It provides a number to call which gets you an automated line that directs you to the IRS website for details. But if you stay on the line you can get connected to an IRS representative (after a long wait) to discuss general questions about the payment and your situation. See details and numbers to call in this article.
Update – The IRS has confirmed that those who did not receive the full amount of stimulus payment they believe they were entitled to – including the $500 child dependent payment – will need to claim the additional amount when they file their 2020 tax return. This is tough news for many families who needed/expected the $500 payment as soon as possible and were hoping to get a supplementary or corrective payment in the mail sometime in the near future. You’ll now need to wait till 2021 when you file your tax return to fix this.
For VA and SSI recipients who don’t have a filing requirement and have a child, they need to use the Non-Filers tool (see above) to have the $500 added automatically to their standard stimulus check payment.
It has also been nearly impossible to contact the IRS via numbers provided in the EIP for your issues with the $500 child stimulus per this article. But also note that the IRS will not contact you about your stimulus check payment details either. Watch out for scams and people trying to steal this information from you in the name of expediting your Economic Impact Payments.
Finally you will also likely be able to claim any missing payments in your 2020 tax return. All this unfortunately will mean delays in getting your stimulus payment until issues are worked through.
Now everyone has different tax and dependent situations so I first suggest you review the above FAQs in this article to ensure you meet income and qualifying dependent criteria per your most recently filed tax return. You can also search for many articles on this website for commonly reported stimulus check errors. Before leaving a comment see what others have written and lessons learned. And most of all, be nice to each other.
This article was updated on August 15