Talk to the IRS and ask your qestion. When the stimulus money for the retired went thru the last two years, people who would qualify but do not file taxes - were able to file just for the stimulus money.
I believe this will be the same for you. You can file a tax return to get the 8K - I believe that you will qualify for the full amount.
Good luck - here is the web site http://www.irs.gov/
First to remember: it is UP TO $8,000.
Second, if your indome does not create income tax, how could you get a credit?
I suggest you to contact your local IRS office for the best and accurate answer.
It is free.
Check the link.