06/02/2026
It's Tax Tip Tuesday!
Back in 2020 and 2021, the IRS issued stimulus payments because of the COVID pandemic. The payments were $1,800 for 2020 and $1,400 for 2021, plus additional amounts for dependents. For people who did not receive these payments automatically, a 2020 and/or 2021 tax return had to be filed to claim them.
There was also a major increase to the Child Tax Credit (CTC) in 2021, which allowed even parents with no earned income to receive between $3,000 and $3,600 per child. In addition, people were allowed to use their 2019 earnings to calculate the Earned Income Tax Credit (EITC) for 2020 and 2021 and the CTC for 2020.
Under the normal tax filing rules, the deadline to file a 2020 tax return was April 15, 2024, and the deadline to file a 2021 tax return was April 15, 2025.
There have been recent court decisions and changes to the law that appear to give people until July 10, 2026, to file 2020 and 2021 tax returns. It is not certain that this deadline applies in every case, because these developments happened very recently and the IRS has not yet said whether it agrees.
Still, why not try?
If you did not receive all of your COVID stimulus payments, or if you had children and never filed 2020 or 2021 tax returns, this may be the very last opportunity you will ever have to claim this money.
To take advantage of it, you will need to file your 2020 and 2021 tax returns by July 10, 2026.
At this point, those returns must be mailed to the IRS. You will also need proof that they were mailed by July 10. For that reason, you should send them by Certified Mail through the Post Office so that you receive both a tracking number and proof of timely mailing. Before you mail your returns, make copies for your records, and be sure to keep your tracking slips and receipts.
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