Navigating Stimulus Payments Without a Home

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My partner and I were bewildered when we didn’t receive the first two rounds of stimulus checks. Initially, we felt confusion, then frustration, and eventually uncertainty about what was going on. I checked the IRS stimulus tool multiple times each day, which only added to the stress. Finally, in 2021, a new administration took office, and just like that — we received our third stimulus check. I’m grateful for this financial assistance, which has certainly benefited our family. Thankfully, even without that payment, we would still manage to have food on our table and a roof overhead.

But what about individuals without a home or bank account, struggling to find their next meal? According to End Homelessness, over 567,000 people experienced homelessness in 2019, a staggering number that represents families and individuals who are unable to access their stimulus payments. This is a heartbreaking reality, as a single payment of $1,400 could dramatically alter their circumstances.

While we often focus on the immediate challenges faced by those experiencing homelessness, like securing basic needs, the barriers to receiving economic impact payments are even more complex. Unlike many of us who can easily receive direct deposits, those without homes face additional hurdles. Not having a bank account means they can’t receive a paper check unless they have a mailing address.

Fortunately, some organizations and shelters have stepped in to help. For example, the Coalition for the Homeless in New York provides individuals experiencing homelessness with a safe address for important documents, including stimulus checks.

However, having a physical address is just one of many requirements. To claim their stimulus payments, individuals must have filed a tax return for the previous year. For those who haven’t filed, organizations are available to assist in this process, including the IRS itself. As Jodie Reynolds from the IRS stated, they are “working aggressively with partner groups” to ensure that everyone, including those in the homeless community, can receive their stimulus payments.

Additionally, those who don’t typically need to file taxes—because their income is below $12,200—face even more challenges. They must navigate the IRS’s “Free File” form, which requires internet access and personal information to receive their payments through the “Recovery Rebate Credit.”

Even beyond homelessness, approximately 12 million people remain unclaimed for stimulus payments because they haven’t filed taxes. This issue disproportionately affects communities of color, which have been significantly impacted by the pandemic. A report showed that 27% of those missing out are Black individuals, and 19% are Latino, highlighting the urgent need to ensure low-income people of color receive the payments they deserve.

There are organizations eager to provide assistance to those in need. When a person experiencing homelessness finally receives their stimulus payment, it can provide them with essential resources for food, shelter, and other critical needs. In some cases, their well-being may literally depend on it.

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Summary:

This article discusses the challenges faced by individuals experiencing homelessness in receiving their stimulus payments. With over half a million people unable to secure basic needs, the additional barriers to accessing financial aid are highlighted. Organizations like the Coalition for the Homeless are working to provide support, but many still struggle due to the lack of an address and tax filing requirements. The article emphasizes the importance of ensuring that all eligible individuals receive the assistance they need, particularly in the wake of the COVID-19 pandemic.

Keyphrase: stimulus payments for the homeless

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