It's Challenging to Obtain a Stimulus Check When You're Unhoused

My partner and I missed out on the first two rounds of stimulus checks, leaving us perplexed and frustrated. After checking the IRS stimulus tool multiple times daily, we finally received the third round of payments in 2021, thanks to a new administration. I’m thankful for that assistance; it has certainly eased some of our burdens. However, I recognize that many families still struggle to put food on the table or find stable shelter.

According to End Homelessness, in 2019, over 567,000 individuals experienced homelessness, leaving them unable to access stimulus payments. For these individuals, even a single payment of $1,400 can be transformative.

Challenges Faced by the Unhoused

While we often focus on the obvious challenges faced by those without homes, such as obtaining food and shelter, there are additional hurdles, particularly when it comes to receiving economic impact payments. Many of us take for granted our access to bank accounts, the internet, and a permanent address, all of which can complicate the process for unhoused individuals.

Whereas most people receive their stimulus payments via direct deposit into bank accounts, those without such accounts may face further complications. To receive a paper check through the mail, one must have a valid address, which can be a significant barrier for the unhoused.

Organizations like the Coalition for the Homeless in New York offer individuals a safe place to use as a mailing address for important documents, including stimulus checks. Yet, having an address is just one of many requirements. Unhoused individuals must also have filed a tax return in the previous year to be eligible for payments. Fortunately, various organizations are ready to assist them in navigating these requirements.

IRS Collaboration and Resources

According to Jodie Reynolds, a spokesperson for the IRS, they are collaborating with partner organizations to ensure as many individuals as possible receive their stimulus payments. For those lacking internet access, local United Way 2-1-1 numbers can provide information on how to access the IRS stimulus tool.

It’s important to note that many people do not need to file income taxes due to low income levels. The IRS exempts individuals earning below $12,200 from filing. However, those who don’t file must still complete the IRS’s “Free File” form to receive their due payments through the “Recovery Rebate Credit.” In fact, around 12 million people who didn’t file taxes are missing out on these payments, with a significant number being people of color who have already been disproportionately affected by the pandemic.

The Importance of Assistance

Organizations are eager to lend a helping hand, and when unhoused individuals receive their stimulus payments, it can provide vital resources for food and shelter. For many, this assistance is crucial for survival.

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Summary

Obtaining a stimulus check is fraught with challenges for unhoused individuals. Many face barriers such as lacking bank accounts or permanent addresses, complicating their access to vital financial assistance. While organizations are working to help, it’s crucial to recognize the unique hurdles faced by this population.