As you may have heard, the U.S. government recently passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act. This law provides economic relief to individuals and families affected by the COVID-19 pandemic. Part of this relief includes one-time stimulus checks.
But will people on Social Security Disability Insurance (SSDI) receive a check? Let’s find out.
Do I Qualify For A Stimulus Check?
The answer is yes. If you are currently receiving SSDI, then you are most likely eligible for a stimulus check under the CARES Act.
This is true even if you don't typically file taxes or are claimed as a dependent on someone else's tax return. The amount of your check will depend on your income level and any dependents that you have claimed in past years, but it could be as much as $600 per individual or $1,200 for couples filing jointly. If you have a child below 17, then that’s another $600 each.
However, if you’ve already claimed as a dependent on another person’s tax return, then you won’t get the stimulus check. The person who claimed you as their dependent will get your check instead.
Remember also that the Stimulus Check you receive depends on the income you’ve filed in the past years. Since many Americans faced financial challenges due to the pandemic, their income would have been significantly reduced. Make sure that reflects on your latest income tax returns.
For individuals relying solely on federal benefits and earning an income below the state threshold, they are not required to file personal income tax returns. If that’s your case, then as long as you remain a beneficiary of a federal benefit, such as the SSDI benefits, then you’d still get your stimulus check.
How Do I Receive My Stimulus Check?
The IRS has stated that people currently receiving Social Security benefits will automatically receive their stimulus checks without having to do anything extra. The money should be deposited directly into your bank account if you provided direct deposit information during your last tax filing.
If not, then a paper check will be sent to the address listed in your most recent tax return or Social Security Administration records.
After much pressure, the IRS conceded to use current information on 1099 benefits statements to distribute the stimulus check. Initially, the plan was to ask individuals to complete a separate form. However, if you still haven’t received your stimulus check but believe you are qualified for one, then check with the local SSA or IRS office.
What Should I Do Now?
If you haven’t done so already, now is the time to ensure that both your bank account information and mailing address are up-to-date with both the IRS and SSA offices so that you can get your payment quickly and accurately when it’s sent out.
You can also use the IRS's "Get My Payment" tool, which allows you to track when your payment is sent out and confirm whether or not they have received all of your necessary information correctly before processing it.
Why Did My SSDI Benefit Get Smaller?
Some people may mistake that the stimulus program reduced their SSDI benefits. But in reality, other factors can reduce your benefit. When applying for an SSDI benefit, remember the eligibility criteria:
- Your diagnosed disability must be part of the eligible disabilities in the SSA Blue Book
- Your disability is expected to last a year or lead to death
- Your disability is a mental or physical condition that impairs your ability to earn an income
- Your disability prevents you from working
Any changes in the factors above can reduce and even remove your benefits. If you suspect the change was done in error, check with your local SSA office and appeal the decision with them.
SSDI Beneficiaries Also Get Stimulus Check
If you're receiving Social Security Disability Insurance (SSDI), then there's good news—you are indeed eligible for a stimulus payment under the CARES Act! All you need to do now is make sure that both your bank account information and mailing address are up-to-date with both the IRS and SSA offices so that you can get your payment quickly when it’s sent out.
And remember – if at any point during this process you need help or have questions about how to access these funds, don't hesitate to reach out to either office for assistance.
Are you wondering if there are SSDI benefits for children with disabilities? Check out our article on SSDI for Children: Eligibility and Benefits.