Q. I qualify for the fully refundable child tax credit. How do I get it?
A. You file a ta return, claiming your 2 children as dependents. You cannot efile a tax return with 0 income, so you will have to mail the return.
Some people recommend reporting $1 of interest income so that you can e-file. I assume that works, since I've seen that recommendation frequently.
Are you sure your disability income is non taxable? "Because it is 2/3 of my base income" is not usually a reason for the income to be tax free.
If you receive a form W-2 or 1099-R, for the income, it is taxable. For a detailed explanation, see:
https://ttlc.intuit.com/community/disability/help/is-disability-income-taxable/00/26023
and
https://www.ameriprise.com/research-market-insights/tax-center/tax-planning/taxation-of-disability-i...
