Child tax credit 2021 schedule – Here's why you didn't get October payment as IRS shares customer service phone number

THE Child Tax Credit schedule has caused confusion for some parents who are missing their October payment.

For October, most families were slated to get up to $300 in child tax credits per child.

You should check with the IRS to be sure your banking and address information is correct and up to date if you haven't received your October payment.

The IRS has an online portal that Americans can use to check the status of their checks.

Americans can also use USPS Informed Delivery, which refers to the agency's free mail-tracking service that scans your letters and can send you an image each time your letter is delivered, to check on mailed payments.

It is good for Americans who do not have bank accounts and are receiving money by check, which takes seven or more delivery days.

Read our child tax credit live blog for the latest news and updates…

  • Jocelyn Cook

    NEW TOOL OFFERED IN TWO LANGUAGES

    To help those who may not have any other tech, a new mobile-friendly sign-up tool – GetCTC.org – launched on October 12.

    Rolled out in collaboration with the White House, the US Treasury, and Code for America, a nonprofit tech organization, it’s designed to ensure eligible families can easily claim the child tax credit cash they’re due.

    The website also lets you claim the three stimulus checks you’re eligible for.

    It’s free to use, works on both desktops and mobile devices, and is available in both English and Spanish.

  • Jocelyn Cook

    CHILD TAX CREDIT CALCULATOR

    You can calculate how much you’ll get in child tax credits by using the free online calculator by Intuit Turbotax.

  • Jocelyn Cook

    WHO QUALIFIES?

    Single parents or parents who file their taxes as single will qualify for the full checks if they make $75,000 or less.

    If you make more than $75,000, the monthly check is reduced by $50 for every $1,000 over the cap and eventually phases out completely.

  • Jocelyn Cook

    FAMILIES SKIPPED

    Some families may have been skipped if they lived in the United States for less than half of 2019 or 2020, or if their financial situations in those years disqualified them from receiving payments–even if those circumstances have changed in 2021.

    Families who have new babies or adopted dependents need to update their information in the IRS portal to make sure they receive the credit.

  • Jocelyn Cook

    WHEN IS THE AGE CUT OFF DATE FOR DETERMINING CTC AMOUNTS?

    “Age is determined on December 31, 2021. If your child turns 18 this year, then they are not eligible for the monthly Child Tax Credit,” explained Congressman Steve Cohen.

    “However, the American Rescue Plan did provide for a one-time credit of $500 for dependent children aged 18 and for dependent full-time college students aged between 19 and 24.”

  • Jocelyn Cook

    CHILD TAX CREDITS PAYMENTS RUN THROUGH DECEMBER

    There have already been four child tax credit payments issued this year.

    There are two payments left: one in November, and the last one, which arrives in December.

    For those wondering why their child tax credit payments – which started in July – have not been processed at all, there are a number of factors, such as the IRS not having knowledge of one’s qualification, due to a family not filing a tax return in 2019 or 2020.

  • Jocelyn Cook

    FAMILIES WHO DID NOT FILE TAXES CAN STILL BENEFIT

    The GetCTC.org tool is for those households who haven’t filed tax returns for 2019 and 2020.

    You typically didn’t have to file a tax return if you earned less than $12,200 as a single taxpayer in the 2020 tax year or $24,400 as a married couple filing jointly.

    Under the tool, you’ll need your Social Security number or an individual taxpayer ID number.

  • Jocelyn Cook

    IF YOUR CHILD TAX CREDIT IS DELAYED…

    If you’re eligible for the child tax credit “stimulus” payments, but haven’t gotten yours for October yet, it’s worth double-checking the information the IRS has before you do anything else.

    It’s important to check that there are no errors in the info, including in your account information and routing numbers.

    You can choose to get your payment sent directly to your bank account, otherwise, it should come by mail.

  • Jocelyn Cook

    WHY HAVEN’T I RECEIVED MY CHECK?

    If the IRS does not have your correct income information from your 2020 tax return, and is instead using information from your 2019 tax returns to determine eligibility, there might be a delay.

    If your income information changed in 2020 or you had a child, the IRS will automatically adjust your payments once your 2020 tax return is processed.

    If you did not file taxes, there’s a tool called the Child Tax Credit Non-filer Sign-up Tool where you can add your information to see if you qualify.

  • Jocelyn Cook

    WHEN DID CHILD TAX CREDIT PAYMENTS BEGIN?

    The payments began on July 15.

    The tax credit payments were included in President Joe Biden’s Covid rescue package signed in March.

    Couples earning less than $150,000 — $75,000 for single earners — will continue to receive money every month for each of their children between ages six and 17 for the rest of 2021, acting as a sort of bonus “stimulus” payment for millions of Americans.

  • Jocelyn Cook

    NEW TOOL OFFERED IN TWO LANGUAGES

    To help those who may not have any other tech, a new mobile-friendly sign-up tool – GetCTC.org – launched on October 12.

    Rolled out in collaboration with the White House, the US Treasury, and Code for America, a nonprofit tech organization, it’s designed to ensure eligible families can easily claim the child tax credit cash they’re due.

    The website also lets you claim the three stimulus checks you’re eligible for.

    It’s free to use, works on both desktops and mobile devices, and is available in both English and Spanish.

  • Jocelyn Cook

    CAN UNDOCUMENTED IMMIGRANTS RECEIVE THE CTC?

    Previously families with mixed-migration status were shut out of the program, but undocumented parents with children who are US citizens can now apply for this benefit.

    While the child tax credit was expanded this year to include families with no income and undocumented parents with children who have Social Security numbers, the IRS said an “issue” caused families with parents who have an Individual Taxpayer Identification Number (ITIN) to not receive the first July payment.

    Those families were supposed to get both the July and August payments by now.

  • Jocelyn Cook

    WHEN DO CHILD TAX CREDIT CHECKS GO OUT?

    The Child Tax Credit checks will go out on the 15th of every month until the end of 2021.

    If you still have questions or concerns about your Child Tax Credit check, the IRS website may be the best bet, as the agency has limited assistance available due to a backlog of tax returns and delayed stimulus payments.

  • Jocelyn Cook

    GROUP SUGGESTS INCREASING CTC COVERAGE WOULD HELP REDUCE HARDSHIP

    Finally, the NBER found, "increasing the CTC coverage rate would be required in order for material hardship to be reduced further."

    "Self-reports suggest the lowest-income households were less likely than higher-income families to receive the first CTC payments," the paper added.

    "As more children receive the benefit in future months, material hardship may decline further."

    "Even with imperfect coverage, however, our findings suggest that the first CTC payments were largely effective at reducing food insufficiency among low-income families with children."

  • Jocelyn Cook

    PAYMENTS REDUCED FOOD INSUFFICIENCY IN MARGINALIZED GROUPS

    The Bureau also found that child tax credit payments helped certain specific groups more strongly.

    "The effects on food insufficiency are concentrated among families with 2019 pre-tax incomes below $35,000, and the CTC strongly reduces food insufficiency among low-income Black, Latino, and White families alike," the study found.

  • Jocelyn Cook

    CTC PAYMENTS 'STRONGLY REDUCED FOOD INSUFFICIENCY'

    The National Bureau of Economic Research released a paper on the impacts of the child tax credit payments and revealed startling findings.

    First, the child tax credit payments "strongly reduced food insufficiency: the initial payments led to a 7.5 percentage point (25 percent) decline in food insufficiency among low-income households with children," according to the study.

  • Jocelyn Cook

    'SURPRISE STIMULUS'

    The new adjustments to the Child and Dependent Care Credit for 2021 mean that working American families who hit certain requirements will pocket thousands in extra stimulus funds.

    It covers childcare costs up to $8,000, as well as costs for looking after a spouse or parent who can not care for themselves.

    This increases to $16,000 in expenses for families with two or more dependents.

  • Jocelyn Cook

    CONTACTING THE IRS

    The live assistance line might still be limited, as the agency has been busy with delayed stimulus checks, unemployment tax refunds, and tax returns.

    So, it might be quicker to get an answer through the IRS’ frequently asked questions section.

    And it’s important to note that the IRS does not have a separate contact number for child tax credits; the number for tax-related questions is 800-829-1040. 

  • Jocelyn Cook

    SOME FAMILIES HAVE NOT RECEIVED OCTOBER PAYMENT

    One parent vented on Twitter on Friday: “I didn’t get my September and October child tax credit."

    “I got July and August just fine but I’m missing two months.”

    While another added yesterday: “I did not get my October child tax credit but I’ve gotten the ones previously. Really need this badly right now!”

    It comes after a technical glitch last month meant around 2 percent of eligible families – amounting to 700,000 – didn’t get the credits on time.

  • Jocelyn Cook

    CHILD TAX CREDIT AGE CUT OFF

    “Age is determined on December 31, 2021. If your child turns 18 this year, then they are not eligible for the monthly Child Tax Credit,” explained Congressman Steve Cohen.

    “However, the American Rescue Plan did provide for a one-time credit of $500 for dependent children aged 18 and for dependent full-time college students aged between 19 and 24.”

  • Jocelyn Cook

    BIDEN CALLS CHILD TAX CREDIT A 'TAX CUT'

    "My child tax credit is a tax cut for the middle class," President Joe Biden wrote on Twitter.

    "Middle class Americans will get a monthly payment of $300 for a kid under the age of 6, and $250 for kids over the age of 6."

  • Jocelyn Cook

    CHILD TAX CREDIT CALCULATOR

    You can calculate how much you’ll get in child tax credits by using the free online calculator by Intuit Turbotax.

  • Jocelyn Cook

    CHILD TAX CREDITS BEGAN IN JULY, WILL RUN THROUGH DECEMBER

    There have already been four child tax credit payments issued this year.

    There are two payments left: one in November, and the last one, which arrives in December.

    For those wondering why their child tax credit payments – which started in July – have not been processed at all, there are a number of factors, such as the IRS not having knowledge of one’s qualification, due to a family not filing a tax return in 2019 or 2020.

  • Jocelyn Cook

    AMOUNT DEPENDS ON DEPENDENTS’ AGES

    If you’ve always received the monthly child tax credits, you’ll be eligible for $300 per child under six, and $250 per child between six and 17.

    In other words, if you have two children aged two and four, you will receive $600.

    If your children are aged four and nine, then that amount would be reduced to $550.

  • Jocelyn Cook

    HOW LONG DOES BIDEN WANT TO EXTEND THE CHILD TAX CREDITS?

    President Biden has called to extend the child tax credit payments until at least 2025.

    But he would need help from Congress to make it happen.

    Senate Democrats are reportedly considering a three-year extension of the maximum $3,600 per child credit, which could be included in a $3.5trillion spending package.

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