Navigating Stimulus Checks When You’re Houseless

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The struggle to receive a stimulus check can be incredibly challenging for individuals experiencing houselessness. My partner and I missed out on the first two rounds of payments, which left us feeling perplexed and frustrated. It wasn’t until 2021, with the arrival of a new administration, that we finally received our third stimulus check. This financial boost has certainly made a difference for my family, providing some relief during these trying times. Thankfully, we still have a roof over our heads and food on our table, but what about those who aren’t as fortunate?

In 2019, over 567,000 people experienced houselessness, as reported by the organization End Homelessness. This staggering number reflects individuals and families who are unable to access their stimulus payments due to their situation. For someone without stable housing, a payment of $1,400 can be a transformative lifeline.

While we often think about the immediate needs of houseless individuals, such as food and shelter, there are deeper systemic barriers to receiving economic assistance. Unlike many of us who have bank accounts and internet access to track our payments, those without homes face a multitude of challenges. Direct deposits may not be an option for them, and receiving a paper check requires an address, which many do not have.

Fortunately, some organizations, like the Coalition for the Homeless in New York, provide secure addresses for individuals to receive crucial documents, including stimulus checks. However, simply having an address isn’t enough. To qualify for these payments, individuals must file a tax return, which can be daunting without the necessary resources. The IRS is actively working to assist those in need by collaborating with partner organizations to facilitate access to funds. If internet access is an issue, individuals can call their local United Way 2-1-1 for guidance on how to navigate these processes.

Many individuals, including about 12 million people who don’t file taxes due to low income, are missing out on stimulus payments. This situation disproportionately affects communities of color, who have already faced significant hardships during the pandemic. It’s vital to ensure that low-income people of color receive the support they qualify for, as they are among the hardest hit economically and health-wise.

Organizations are stepping in to help those in need. When a houseless individual receives their stimulus payment, it can provide essential resources for food, shelter, or other basic needs. For many, this financial assistance can be a matter of survival.

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Summary

The challenges of receiving stimulus payments are particularly pronounced for those experiencing houselessness. With barriers such as lack of a permanent address, absence of bank accounts, and the necessity of filing tax returns, many individuals miss out on essential financial support. Organizations are working to bridge these gaps, ensuring that the most vulnerable populations receive the assistance they need.

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