April 15, 2025

IRS Identity Protection Pin, Why Should I Have One?

IRS Identity Protection Pin, Why Should I Have One?

Today is tax day! Do you have your IRS IP Pin? Do you know what an IRS IP Pin is?
Joyce will discuss her experience with tax related identity theft when someone filed a tax return in her name and social security number. A six digit IP Pin could have...

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Season 1

Today is tax day! Do you have your IRS IP Pin? Do you know what an IRS IP Pin is?
Joyce will discuss her experience with tax related identity theft when someone filed a tax return in her name and social security number. A six digit IP Pin could have protected her account. You can get your IRS IP Pin at
https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin
Listen in to learn about Joyce's experience and what you can do to protect your IRS account.

Let’s Talk About Scams is broadcast live Tuesdays at 8AM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Let’s Talk About Scams TV Show is viewed on Talk 4 TV (www.talk4tv.com).

Let’s Talk About Scams Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

Disclaimer: The information contained in this podcast is intended for informational purposes only and is not a substitute for individual professional / legal advice. The podcast information was carefully compiled from vetted sources and references; however, R.O.S.E. Resources / Outreach to Safeguard the Elderly cannot guarantee that you will not fall victim to a scam.

WEBVTT

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This program is designed to provide general information with regards

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to the subject matters covered. This information is given with

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the understanding that neither the hosts, guests, sponsors, or station

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are engaged in rendering any specific and personal medical, financial,

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legal counseling, professional service, or any advice.

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You should seek the services.

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Of competent professionals before applying or trying any suggested ideas.

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The information contained in this podcast is intended for informational

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purposes only and is not a substitute for individual professional

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legal advice. The podcast information was carefully compiled from vetted

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sources and references. However, Rose Resources outreach to safeguard the

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elderly cannot guarantee that you will not fall.

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Victim to a scam.

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Let's talk about scams. It's the must listen show for

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anyone who wants to protect themselves and their loved ones

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from scams. Every Tuesday at am Pacific time on K

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four HD Radio, Joyce Petrowski, founder of Rose, and her

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guests will provide valuable insights and practical tips on how

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to recognize and protect yourself from scams. And now here

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is your host, Joyce Petrowski.

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Welcome back, everybody, It's April fifteenth, It's text day. How

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many of you out there like April fifteenth? I don't

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think many people do. But anyways, I'm Joyce Petrowski, your

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host and board president and founder of Rose Resources Outreach

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to Safeguard the elderly. You can find more resources on

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our website at Roseadvocacy dot org. You can also find

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our social media links, and you can sign up for

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our newsletters. We send one out via email and one

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in the mail. There are links down towards the bottom

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there to sign up for those the bottom of the homepage. Today,

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I want to talk about the IRS identity protection pin

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and why you should have one. It is tax day.

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Tax returns are due today, but if you haven't gotten

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a PIN yet, you can still get one. You should

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go ahead and file your tax return. But because it's

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due today, but you can still get a PIN. You

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can get an identity protection pin at any time throughout

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the throughout the year. So what is an identity protection pin?

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So the I r S came up with this years

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ago and it's a six digit number PIN number that

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is confidential information. You should not share this with anybody.

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If you have a tax prepare that prepares and e

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files your tax return for you. Then they're going to

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have to know the number because it has to be

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on your tax return. But outside of that, no one

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else should know this number. You put it away in

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a safe hiding place, in a locked place with all

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of your other personal confidential information. And the reason the

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IRS came out with it, or I should say probably

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one of the reasons is they started to see a

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huge uptick in a tax related identity theft. So what

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exactly is tax related identity theft. Well, one of the

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situations with tax related identity theft is someone files a

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tax return in your name, in your sole security number.

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It happens all the time. Now, if you had this

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identity protection pin assigned to you, it doesn't matter who

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files the tax return, whether it's someone else or even

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if it's you. If that return does not have your

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identity protection pin on it, it'll get rejected. So it's

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a great protection tool for your IRS account and your

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identity because if someone files a fraudulent return in your

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name and social Security number and you do have this

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identity protection pin and it is not on that return,

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that return gets automatically rejected. So it doesn't even get

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into your account. And I'm going to give you a

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little bit of some personal experience that I've had with this,

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And I said a little bit. But as I said that,

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I'm thinking it's probably going to take a few minutes,

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probably five or ten minutes to go through the story.

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So I had found out about this identity protection PIN

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probably about a year ago, maybe a little longer, and

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I said to myself, you know, since everything I file

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married filing jointly with my husband, and since everything happens

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to be like withholdings and estimated tax payments or even

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if you know it all seems to be tagged to

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the first sold security number that's on the return, which

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is his. So I immediately got him one and I

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didn't think about getting me one. And then last summer,

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I think it was I was doing some more research

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on this identity protection PIN and one of the things

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they have in their frequently asked questions is why need

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the identity protection PIN? And yes, both spouses do need

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it because what affects one spouse affects the joint account.

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What affects the other spouse affects the joint account. Well,

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Hindsight's twenty twenty, as we all know. And yes, I

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should have taken five minutes right then and there to

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get online, set up my account and get verified and

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get my PIN. It's a pretty quick process when you

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do it online. And I didn't. And so come early

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September and we still had not filed our tax return

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for twenty twenty three. But come early September, I'm going

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through the mail and here's this envelope from the IRS,

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and it's addressed just to me, And I'm like, well,

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that's weird. Why is it addressed just to me? You know,

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we've been filing joint for thirty years. And I open

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it up and sure enough, it's a letter telling me

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that they've received a tax return under my name and

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my sole security number, and it gives you specific instructions.

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If this was you, you know, fine. If it wasn't you,

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well then these are the steps you need to take.

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And then this is where the long process started. To

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get my account in order. There was a phone number

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for tax related identity theft. If you were a victim

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of tax related identity theft, they have a specific phone

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number for you to call. So I called. I had

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to go through a verification process because they want to

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make sure they're talking to me and I get that.

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So I went through that process and then they did

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tell me that yes, there was a tax return, and

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you know, I asked them, can you tell me you

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know what address it was being sent to? And they

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are not allowed to give you any information about that

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fraudulent return. So what they did is the lucky thing

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for me was that the IRS had flagged that return

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as being possibly fraudulent, so they had not started to

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process it fully yet and so then I verified that

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it was fraudulent that we had not filed a return

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and verbally over the phone. But then there's this form,

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a tax related identity THEFT affidavit that you have to

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fill out, and you can do it I believe I

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did it, and send it in online, but you can

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also do it and send it in the mail as well.

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And then you have to give them time to process

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that that form, and they did. The lady, very nice lady,

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did let me know on my first phone call with

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them to confirm that this was a fraudulent return that

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this whole process can take up to She said either

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five hundred and thirty days or six hundred and thirty days.

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I don't remember if it was five hundred and thirty

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or six hundred and thirty, but it doesn't matter. It's

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still a long long time in order for this fraudulent

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return to be taken off of our account. And like

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I said earlier, because I'm on a joint account with

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my husband, it not only affects me, it affects him

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because we're both on that joint account. And so I

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was like, okay, and she said, if you are expecting

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a refund, you're not going to get that refund until

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we have this process completed. And I went, okay, well

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we are expecting you know. I didn't say this to her,

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but talking to our tax prepair, I said, well, the

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refund's going to get held up, so just apply it

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to twenty twenty four. So that's what That's what she did,

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our tax prepair, and we sent our tax returns are

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valid tax returns in in early October, well in December.

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Then I tried calling I'd given them, you know, two

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and a half three months, and I tried calling them,

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and I got someone on the phone and they started

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looking into it, and we got disconnected. So then I

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had to call back and you know, when you call

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the IRS, you're going to be on there's a chance,

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you're a good chance you're going to be on hold

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for a while. So I had to call back, and

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then I got someone who wanted to put me on

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hold again. And I said, now, listen, I got disconnected

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last time, and this I'm already an hour and a

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half into this process. No, no, no, no, I'm not going

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to disconnect you. Okay, fine, And he went and did

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what he needed to do, came back on the phone,

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you know, told me he was going to go do

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one other thing. And when he put me on hold

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that time, we got disconnected. Now whether that was my

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cell phone doing it or whether it was their phones,

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I have no idea. The bottom line is I got

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disconnected again. And it's a pain in the butt right

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because you're getting frustrated. I don't think anyone really carves

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out time in their day to where they're, you know,

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a couple hours where they're going to call the IRS

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and have to do something. Well, it was frustrating to

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keep getting disconnected. It was frustrated because it was taking

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up hours in my day when I had other things

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that I had going on. So I just said, you

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know what, it's December, it's the holiday time. They might

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be busy, extra busy. I don't know. I'm not even

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going to get frustrated anymore with it. I'm going to

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wait until after the first of the year and try

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them again. Well, then a couple days later, my husband

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got a letter from the IRS and the Mail, and

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I got one from the IRS and the Mail, and

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it said the same exact thing. It said, the amount

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of your overpayment that we're crediting to twenty twenty four

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is zero. So we're like, okay, we have money sitting

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there that's owed us. We're not getting it refunded now,

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we're not getting it credited to twenty twenty four. So

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when we file our tax return for twenty four, we

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can't even show that in there. And if it shows

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we owe more money, because they're not taking that into consideration,

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we're going to have to pay it. And then who

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Like we said, we could have to wait five hundred

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and thirty days or six hundred and thirty days to

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get it back. So it ended up being probably the

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beginning of March. I did get a hold of the IRS,

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and on this instance, when I called I was only

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on hold for maybe five or ten minutes, so I

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was pleasantly surprised at that one. But the lady was

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very helpful. They had to verify me over the phone,

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which was fine. You're gonna want to have your previous

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years tax returns out, probably the previous two years at

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least out, because they're going to go back to one

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of those years and they're going to want to know

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some information off that return that they have in their system.

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That's one of the things they do to verify you.

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They go through multiple questions and you know, if you

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don't pass it, they're not going to give you any information.

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So have those previous years tax returns. I'd even go

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back and maybe if you have them handy gets. You

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don't know how far they're going to go back. But

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I got verified, and the nice lady was able to

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tell me that they had already gone through the process

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and they were working on getting that fraudulent return off

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of my separate account. She kind of told me I

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had a separate account. I think when I filed the

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identity theft AFTA David form, they kind of put that

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into a totally separate account and they were able to

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take our overpayment from twenty twenty three and credited into

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twenty twenty four in our joint return. I verified that

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with them, and I also verified the estimated tax payments

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we made that they had that all listed in our

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joint account, and so she said, go ahead and file

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your twenty twenty four return the way you normally would.

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So luckily for me, that only took about six months

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to get that handled. And I'm not one hundred percent

222
00:14:08.279 --> 00:14:11.639
for sure on this, but I believe that it only

223
00:14:11.679 --> 00:14:16.840
took six months because they hadn't actually processed that fraudulent

224
00:14:16.879 --> 00:14:20.320
return and put it through the system, and I'm sure

225
00:14:20.360 --> 00:14:22.480
it had a refund on it, you know, and paid

226
00:14:22.480 --> 00:14:28.200
out the money to whoever it belonged to. So I'm

227
00:14:28.279 --> 00:14:31.120
very thankful to the irs that they flagged it as

228
00:14:31.200 --> 00:14:34.159
possibly fraudulent and wanted to get some more information from me.

229
00:14:34.840 --> 00:14:38.120
But just know, if that doesn't happen, and that's not

230
00:14:38.159 --> 00:14:41.000
a guarantee that it's going to get flagged as possibly

231
00:14:41.039 --> 00:14:46.840
fraudulent on your account, it probably would still be going on.

232
00:14:47.519 --> 00:14:50.720
We probably wouldn't have that refund credited to our account,

233
00:14:51.320 --> 00:14:54.639
our joint account, and you might have money sitting with

234
00:14:54.679 --> 00:14:57.840
the IRS that you can't get your hands on for

235
00:14:58.879 --> 00:15:01.120
would I say five hundred thirty or six hundred and

236
00:15:01.120 --> 00:15:06.440
thirty days. So the Identity Protection PIN is a very

237
00:15:06.559 --> 00:15:15.159
valuable protection tool for everybody, and spouses should have it

238
00:15:15.200 --> 00:15:19.000
as well. And they said even dependents can get it

239
00:15:19.120 --> 00:15:24.840
because you know, if you're I wouldn't put it past

240
00:15:24.879 --> 00:15:29.039
someone you know, a scammer or you know, to file

241
00:15:29.120 --> 00:15:33.679
a fraudulent return if they had your your dependence name

242
00:15:33.759 --> 00:15:37.840
and Social Security number, and you know, you might think, well,

243
00:15:37.879 --> 00:15:41.240
they don't even file returns. You know, how's that going

244
00:15:41.320 --> 00:15:45.279
to affect them? Or even you know, maybe people you

245
00:15:45.320 --> 00:15:54.279
know that our senior maybe maybe they don't file returns either,

246
00:15:56.559 --> 00:15:59.759
and you might think, well, it's not going to bother me,

247
00:16:00.120 --> 00:16:02.200
you know, if I don't have to file tax returns, Well,

248
00:16:04.120 --> 00:16:08.039
it's still on your account, your account with the IRS,

249
00:16:08.399 --> 00:16:11.440
and so it's still good to have one because it

250
00:16:11.519 --> 00:16:15.720
protects that account and at some point you're going to

251
00:16:15.799 --> 00:16:18.679
have to go through the process to clear that account up.

252
00:16:19.840 --> 00:16:25.279
So it doesn't take that long to get one. The

253
00:16:25.399 --> 00:16:29.600
fastest and quickest way to get one is to do

254
00:16:29.639 --> 00:16:34.200
it online and you just go to IRS dot gov

255
00:16:34.879 --> 00:16:37.840
and there's a link in the notes in the show

256
00:16:37.919 --> 00:16:44.360
notes with that website address and click on apply for

257
00:16:44.440 --> 00:16:47.919
an ip pin or when you go to IRS dot gov.

258
00:16:47.919 --> 00:16:50.360
I'm sorry, go up in the search bar and put

259
00:16:51.320 --> 00:16:54.440
ippin and it'll take you right to the page and

260
00:16:54.480 --> 00:16:58.320
then click on apply for an ippin and you can

261
00:16:58.399 --> 00:17:01.600
do it online. And that is the quickest, fastest way

262
00:17:01.639 --> 00:17:03.399
to do it. And as I said before, you are

263
00:17:03.440 --> 00:17:07.000
going to have to verify yourself, So have your driver's license.

264
00:17:07.279 --> 00:17:09.680
You know, you're going to have to upload that they

265
00:17:09.759 --> 00:17:13.640
I believe they use id me is what it's called.

266
00:17:14.359 --> 00:17:18.359
Like I said, it's been six months since I did mine,

267
00:17:18.359 --> 00:17:20.480
but I believe that was the website that they used.

268
00:17:21.240 --> 00:17:23.880
So have your driver's license handy and go through the

269
00:17:23.960 --> 00:17:28.079
verification process and get that pin. Now, it's going to

270
00:17:28.240 --> 00:17:31.119
take some time for them to mail that pin to

271
00:17:31.160 --> 00:17:32.920
you and for you to get it in the mail,

272
00:17:34.319 --> 00:17:37.799
But just know you can always log back into your

273
00:17:37.839 --> 00:17:40.920
account and your PIN number is going to be on

274
00:17:40.960 --> 00:17:47.440
your account. So as another precaution for identity theft, you're

275
00:17:47.480 --> 00:17:50.880
going to want to make sure that whatever device that

276
00:17:50.920 --> 00:17:55.359
you are logging into your IRS account with or if

277
00:17:55.400 --> 00:18:00.400
you have saved that pin on your device. You are

278
00:18:00.400 --> 00:18:02.720
going to want to make sure you have that device

279
00:18:02.880 --> 00:18:05.759
locked down, you have all the security measures on it,

280
00:18:06.200 --> 00:18:09.400
you have the anti virus, anti malware software on there,

281
00:18:09.480 --> 00:18:14.240
so it's always looking for malicious things and viruses and

282
00:18:14.240 --> 00:18:18.359
malware that are trying to take over your device twenty

283
00:18:18.400 --> 00:18:21.960
four to seven. It's always looking for those because, yes,

284
00:18:22.079 --> 00:18:24.640
it is a great thing to have for a tax

285
00:18:24.680 --> 00:18:30.799
related identity theft. But if you've got an infected device

286
00:18:31.000 --> 00:18:34.480
and you're accessing your IRS account through that infected device,

287
00:18:34.519 --> 00:18:36.920
and you might not even know your device is infected,

288
00:18:37.799 --> 00:18:43.480
then whoever has that malware or virus on your device

289
00:18:43.519 --> 00:18:47.680
in the background, guess what, They're now able to see

290
00:18:47.720 --> 00:18:50.480
what you're doing, and then they can see your IP pins.

291
00:18:50.519 --> 00:18:54.599
So be careful of that. Make sure your device is

292
00:18:54.640 --> 00:18:57.720
always protected and always scanning twenty four to seven for

293
00:18:58.319 --> 00:19:07.079
those malware and viruses. Now, if you don't have access

294
00:19:07.319 --> 00:19:10.200
to get online, not comfortable, don't want to have to

295
00:19:10.200 --> 00:19:14.440
deal with getting online. To do this, you can also

296
00:19:14.799 --> 00:19:19.279
fill out an application for an IP PIN and that's

297
00:19:19.400 --> 00:19:22.319
right down there. If you you know, underget an identity

298
00:19:22.319 --> 00:19:26.400
protection pin, you can scroll down. Uh, well, you're not

299
00:19:26.440 --> 00:19:30.599
going to be on the website. So but you're going

300
00:19:30.680 --> 00:19:34.000
to have to find somebody that can get you that

301
00:19:34.079 --> 00:19:37.640
application and download it so you can fill it out

302
00:19:37.680 --> 00:19:39.839
and send it in. But you're going to then have

303
00:19:39.920 --> 00:19:43.680
to make yourself available by phone where the I r

304
00:19:43.799 --> 00:19:46.680
S can where either you or the IR where the

305
00:19:46.720 --> 00:19:49.680
I r S can contact you and you can get

306
00:19:49.799 --> 00:19:52.279
verified that it is you before they issue you the pin.

307
00:19:52.839 --> 00:19:57.359
Now you can also uh go down to an I

308
00:19:57.480 --> 00:19:59.440
r S office, find out where the I r S

309
00:19:59.519 --> 00:20:03.039
office is in your area and make an appointment and

310
00:20:03.079 --> 00:20:06.960
go down there and do it in person. But you're

311
00:20:06.960 --> 00:20:09.519
going to want to make sure you bring the necessary

312
00:20:09.559 --> 00:20:14.079
documents that you need to identify yourself. So again I

313
00:20:14.119 --> 00:20:19.559
would go have somebody go on the IRS's website and

314
00:20:19.599 --> 00:20:21.960
scroll down as to what documents you're going to need

315
00:20:22.000 --> 00:20:26.200
to bring with you for an person appointment, or ask

316
00:20:26.279 --> 00:20:28.799
the person on the phone that you're making the appointment

317
00:20:28.839 --> 00:20:34.799
with what you're going to need. So some important information

318
00:20:34.960 --> 00:20:39.240
to know about these identity protection pins. They are only

319
00:20:39.319 --> 00:20:43.559
valid for one year, which is great, so it puts

320
00:20:43.599 --> 00:20:48.000
a cap on when a timeframe cap on when that

321
00:20:48.119 --> 00:20:51.960
pin is valid, and they will automatically send you a

322
00:20:52.000 --> 00:20:56.880
new pin every year in the mail. You will get

323
00:20:56.920 --> 00:20:59.599
a letter in the mail from the IRS that says

324
00:20:59.640 --> 00:21:03.039
we've a signed you a new identity protection PIN. Again,

325
00:21:03.160 --> 00:21:07.519
if you and and that's confidential information, you don't share

326
00:21:07.559 --> 00:21:13.759
it with anyone. If you don't file tax returns anymore,

327
00:21:14.519 --> 00:21:16.519
or you know, or if it's a dependent that doesn't

328
00:21:16.519 --> 00:21:20.279
file tax returns, keep that in a safe, secure place

329
00:21:21.079 --> 00:21:23.960
where it's not just like sitting in a file folder

330
00:21:24.079 --> 00:21:27.480
where someone that might be in your fixing some fixing

331
00:21:27.519 --> 00:21:29.440
something you know in your house, can open it up

332
00:21:29.480 --> 00:21:32.880
and snap pictures of it. So put it in a safe, secure,

333
00:21:33.200 --> 00:21:39.599
locked place so no one has access to it. You

334
00:21:39.599 --> 00:21:42.400
can also, as we said, if you've lost your PIN,

335
00:21:42.599 --> 00:21:46.119
you can also log back into your account and it'll

336
00:21:46.119 --> 00:21:51.759
have it in there. You can also call the I

337
00:21:51.880 --> 00:21:54.880
r S and again they're going to have to verify

338
00:21:54.920 --> 00:21:58.640
that it's you, but they can send you in the mail.

339
00:22:00.480 --> 00:22:02.559
It'll be on a letter what your PIN is. But

340
00:22:02.640 --> 00:22:06.920
again that could take I think we got ours in

341
00:22:06.960 --> 00:22:11.079
the mail, maybe three to four weeks. It took before

342
00:22:11.079 --> 00:22:16.680
we got ours in the mail. So that's the different

343
00:22:16.680 --> 00:22:20.440
ways that you can apply for a PIN. And then

344
00:22:20.480 --> 00:22:22.839
what happens when you get it and you do file

345
00:22:22.920 --> 00:22:26.880
tax returns. Well, if you have someone that prepares your

346
00:22:26.880 --> 00:22:29.920
tax return for you, and you've signed the form with

347
00:22:30.000 --> 00:22:34.160
them to have them electronically file your tax return, then

348
00:22:34.160 --> 00:22:36.519
you're going to have to give them your PIN number

349
00:22:36.640 --> 00:22:39.240
because it has to be on your tax return. They're

350
00:22:39.240 --> 00:22:41.480
going to have to put it on your tax return

351
00:22:41.839 --> 00:22:47.680
before they file it electronically. Now, if you have somebody

352
00:22:47.680 --> 00:22:51.640
that prepares your return, but they give it to you

353
00:22:51.839 --> 00:22:55.000
and you manually sign it and put it in the mail,

354
00:22:55.160 --> 00:22:57.920
they don't need that because when you sign the return,

355
00:22:58.640 --> 00:23:00.599
you're going to sign it, put the day and then

356
00:23:00.680 --> 00:23:02.440
right next to the date, it's going to ask for

357
00:23:02.519 --> 00:23:04.759
that identity protection pin, and that's where you're going to

358
00:23:04.799 --> 00:23:06.480
put it, and you're going to want to put it.

359
00:23:06.640 --> 00:23:10.079
There's a place for the taxpayer and the spouse as well.

360
00:23:14.240 --> 00:23:20.839
And as I said before at the beginning, if you

361
00:23:20.960 --> 00:23:24.160
file your return and you have one of those pins

362
00:23:24.519 --> 00:23:27.640
and you do not put it on your return, it's

363
00:23:27.640 --> 00:23:32.279
going to get rejected. And it could take some time

364
00:23:32.680 --> 00:23:38.279
right before you know that that return was rejected. And

365
00:23:38.359 --> 00:23:44.240
then if you and if it's past the deadline when

366
00:23:44.319 --> 00:23:47.359
it was supposed to have been filed, then guess what,

367
00:23:47.480 --> 00:23:50.839
you could file it and have your PIN on it

368
00:23:50.960 --> 00:23:54.480
the second time. But say it's after April fifteenth that

369
00:23:54.559 --> 00:23:58.359
you found out that it was rejected, and now it's

370
00:23:58.440 --> 00:24:01.160
in May or June, in your filing the return with

371
00:24:01.279 --> 00:24:04.079
your IPPIN on it. Well, let's past the deadline, and

372
00:24:04.119 --> 00:24:06.519
if you didn't get an extension, you're going to have

373
00:24:06.559 --> 00:24:09.480
some penalties to pay because it's a late filing penalty.

374
00:24:09.599 --> 00:24:13.119
So please, please please make sure you put your ippen

375
00:24:13.359 --> 00:24:20.519
on your tax return. That same website that we talked

376
00:24:20.519 --> 00:24:23.079
about IRS dot gov, and then in the search bar

377
00:24:23.160 --> 00:24:25.680
at the top, you put ippin in and it'll take

378
00:24:25.720 --> 00:24:28.160
you right to the page. It'll give you a bunch

379
00:24:28.200 --> 00:24:33.039
of information about how to get an identity protection PIN,

380
00:24:33.519 --> 00:24:38.079
what it's for. It'll give you links to click on

381
00:24:38.480 --> 00:24:42.759
to get you to the application to file, to complete

382
00:24:42.799 --> 00:24:45.920
the application for an ippin, to send it in, request

383
00:24:45.960 --> 00:24:52.480
an in person request an in person authentication for an ippin.

384
00:24:53.720 --> 00:24:58.160
It also has a bunch of frequently asked questions that

385
00:24:58.279 --> 00:25:03.680
explains exactly what an IPPIN is, who's eligible to get one,

386
00:25:05.039 --> 00:25:08.680
How do you do it if I can't validate my

387
00:25:09.200 --> 00:25:14.119
identity or access my online account? How else can I participate?

388
00:25:15.200 --> 00:25:19.119
What if I use an ip PIN incorrectly on my

389
00:25:19.240 --> 00:25:23.440
tax return? So this is what it says for that

390
00:25:25.200 --> 00:25:28.920
the ip PIN acts as an authentication number to validate

391
00:25:28.960 --> 00:25:32.759
the correct owner of the Social Security number listed on

392
00:25:32.799 --> 00:25:37.640
your tax return. If an ip PIN is not entered

393
00:25:37.680 --> 00:25:41.880
correctly on an E filed return, the IRS is going

394
00:25:41.960 --> 00:25:44.440
to reject the return and you'll need to enter the

395
00:25:44.519 --> 00:25:48.039
correct ip PIN and e file it again. If it's

396
00:25:48.039 --> 00:25:51.319
a paper return, If you have an ip PIN and

397
00:25:51.319 --> 00:25:54.720
you're the primary and or secondary taxpayer and you fail,

398
00:25:54.960 --> 00:25:58.680
which means you're the taxpayer or the spouse, you fail

399
00:25:58.759 --> 00:26:01.880
to enter your ip PIN correctly, your return will take

400
00:26:02.039 --> 00:26:08.640
longer to process while we validate the information. So again,

401
00:26:09.880 --> 00:26:13.359
it could take longer to process on that paper return

402
00:26:13.480 --> 00:26:16.640
if you don't have it on there correctly, or you know,

403
00:26:16.680 --> 00:26:20.000
they could reject it and you get notified because they

404
00:26:20.039 --> 00:26:22.240
couldn't validate it, and now you've got to send it

405
00:26:22.279 --> 00:26:26.559
in again, and is it after the April fifteenth deadline

406
00:26:26.759 --> 00:26:31.079
and you don't have an extension, right, That's that's always

407
00:26:32.279 --> 00:26:35.039
that that could always happen because you don't know how

408
00:26:35.079 --> 00:26:37.119
long it's going to take them to try to validate,

409
00:26:37.680 --> 00:26:39.599
and then if they can't validate, how long is it

410
00:26:39.640 --> 00:26:41.039
going to take for you to get the letter in

411
00:26:41.079 --> 00:26:45.160
the mail? We mentioned it earlier. If you lose your

412
00:26:45.200 --> 00:26:48.480
ip pin, if you did it through an online account,

413
00:26:48.480 --> 00:26:50.559
you can always log in there to get it. You

414
00:26:50.599 --> 00:26:54.079
can also call that IRS number for the ip pins

415
00:26:54.119 --> 00:26:58.240
and you could ask them to send you send you

416
00:26:58.240 --> 00:27:00.960
your ip pin in the mail. Again, it's I think

417
00:27:00.960 --> 00:27:04.920
it took us about three to four weeks to get ours.

418
00:27:05.359 --> 00:27:07.519
Some other things. It does talk about if you're a

419
00:27:07.599 --> 00:27:15.319
victim of identity theft, what you need to do. Let's see,

420
00:27:15.640 --> 00:27:18.279
so there is a question here that says my E

421
00:27:18.319 --> 00:27:21.839
file return was rejected and the reject code said I

422
00:27:21.960 --> 00:27:29.440
need an IP pin? What do I do? So that

423
00:27:29.680 --> 00:27:33.440
means that you at least one of the taxpayers on

424
00:27:33.480 --> 00:27:36.519
that return as an ip pin and it was not

425
00:27:37.160 --> 00:27:41.680
entered on the return, so you need to you need

426
00:27:41.680 --> 00:27:47.680
to enter it on your return. One of the I'm

427
00:27:47.720 --> 00:27:50.640
looking at the other questions on here. We talked about

428
00:27:50.680 --> 00:27:57.640
where to enter it on the return. Oh, this is

429
00:27:57.680 --> 00:28:00.759
a good question. Do I have to use the ip

430
00:28:01.000 --> 00:28:06.720
pin I received this year if I'm filing prior year

431
00:28:06.839 --> 00:28:11.599
returns this year So let's say you've missed filing your

432
00:28:11.640 --> 00:28:15.599
returns for a few years, and now this year you're

433
00:28:15.759 --> 00:28:20.119
making it up and you're filing all those prior year returns.

434
00:28:20.160 --> 00:28:23.640
But you have an ip PIN. Do I have to

435
00:28:23.640 --> 00:28:26.440
put it on all those prior year returns? The answer

436
00:28:26.519 --> 00:28:29.480
is yes. You must use your ip PIN to confirm

437
00:28:29.519 --> 00:28:33.079
your identity on your current tax return and any prior

438
00:28:33.160 --> 00:28:37.079
year returns filed during that year that you have that

439
00:28:37.200 --> 00:28:45.599
ip PIN. So there's another question here. I received an

440
00:28:45.640 --> 00:28:49.200
ip PIN for a deceased person. What do I do

441
00:28:49.279 --> 00:28:54.240
with it? If filing a return for a deceased person,

442
00:28:54.920 --> 00:29:02.240
then you do enter the pin as appropriate. We did

443
00:29:02.480 --> 00:29:06.519
mention that you do not reuse your pin every year.

444
00:29:06.599 --> 00:29:16.000
The IRS will automatically issue you a new one. Let's

445
00:29:16.000 --> 00:29:20.680
see what else they have here. Oh, if you're filing

446
00:29:20.680 --> 00:29:26.359
an extension such as a Form forty eight sixty eight

447
00:29:26.400 --> 00:29:32.319
to automatically extend your tax return, or if you're filing

448
00:29:32.359 --> 00:29:36.440
your state tax return, do you include your pin? And

449
00:29:36.559 --> 00:29:40.039
their answer is no. The ip PIN is only used

450
00:29:40.079 --> 00:29:44.839
on federal tax forms. It's not used on your state

451
00:29:44.920 --> 00:29:50.000
tax forms, and it's not used on any extensions. What

452
00:29:50.079 --> 00:29:54.640
if you're filing an amended tax return. And these are

453
00:29:54.640 --> 00:29:57.160
all in the frequently asked questions that are at that

454
00:29:57.440 --> 00:30:00.400
on that website. And the last time I just printed

455
00:30:00.400 --> 00:30:02.519
these off this morning. The last time they went through

456
00:30:02.559 --> 00:30:06.759
an updated information on this was May sixteenth, twenty twenty four.

457
00:30:06.880 --> 00:30:09.640
So it's not to say that they couldn't change the

458
00:30:09.680 --> 00:30:12.079
answer to these questions and then they'll put a new

459
00:30:12.160 --> 00:30:15.119
updated date in there, but this was updated May sixteenth

460
00:30:15.119 --> 00:30:18.480
of twenty four. Should I include my IPPIN when filing

461
00:30:18.480 --> 00:30:22.319
an amended return? Yes, The same requirements for the IPPIN

462
00:30:22.400 --> 00:30:25.799
that exists for filing an original return apply to if

463
00:30:25.799 --> 00:30:34.119
you're filing an amended return. Here's an interesting question, will

464
00:30:34.160 --> 00:30:36.960
I get my refund faster if I use an ippin?

465
00:30:38.680 --> 00:30:41.559
It doesn't. That does not affect how quickly you get

466
00:30:41.599 --> 00:30:52.440
a refund. That depends on your individual return information. So

467
00:30:52.440 --> 00:30:56.000
so the last question they have, and this was actually

468
00:30:56.200 --> 00:31:01.079
just updated on March eighteenth of two, twenty twenty five,

469
00:31:01.200 --> 00:31:06.000
can I opt out of the IPPIN program? And it

470
00:31:06.079 --> 00:31:10.960
says yes. If you voluntarily join the IPPIN program and

471
00:31:11.079 --> 00:31:14.640
have not been a victim of tax related identity theft,

472
00:31:15.000 --> 00:31:19.359
then you may opt out of the IPPIN program. To

473
00:31:19.440 --> 00:31:22.279
find out if you're eligible to opt out, go log

474
00:31:22.359 --> 00:31:31.799
into your online account and it says if you enrolled

475
00:31:31.799 --> 00:31:36.920
into the program through a one time enrollment option, you

476
00:31:37.200 --> 00:31:41.279
opt out at the end of that calendar year. But

477
00:31:41.400 --> 00:31:44.839
once you do opt out, when an opt out selection

478
00:31:45.000 --> 00:31:47.759
is made, you need to allow up to seventy two

479
00:31:47.799 --> 00:31:51.160
hours before you're allowed to opt back in for an

480
00:31:51.160 --> 00:31:56.480
ip PIN, so lots of valuable information on the IRS

481
00:31:56.559 --> 00:32:00.119
dot gov website. In the search bar, put an I,

482
00:32:00.680 --> 00:32:03.519
that's I as an Indigo, p as in Paul, then

483
00:32:03.680 --> 00:32:06.119
pin and it'll take you right to the page and

484
00:32:06.160 --> 00:32:09.720
it has a lot of great information on a variety

485
00:32:09.880 --> 00:32:15.720
of different scenarios. But the main thing here is that

486
00:32:16.400 --> 00:32:20.400
everyone should have an ip PIN and if you don't

487
00:32:20.440 --> 00:32:25.039
have one, you can get one. You can do it online.

488
00:32:25.279 --> 00:32:28.480
Set up your online account again, go to the website

489
00:32:28.519 --> 00:32:31.720
IRS dot gov. Type in ippin in the search bar.

490
00:32:31.839 --> 00:32:34.519
It'll take you to the page with all the information

491
00:32:34.839 --> 00:32:37.960
and just click on set up an ippin or get

492
00:32:38.000 --> 00:32:40.880
an ippin and you'll go through the process of setting

493
00:32:40.960 --> 00:32:44.559
up your online account, do the verification process, and then

494
00:32:44.599 --> 00:32:47.000
you'll be issued your PIN. You can also make an

495
00:32:47.000 --> 00:32:50.119
appointment to go to your local IRS office and you

496
00:32:50.160 --> 00:32:52.279
could do it there. There's a form you have to

497
00:32:52.279 --> 00:32:55.799
fill out. You can also mail that form in, but

498
00:32:55.880 --> 00:32:58.359
then you will have to be ready at some point

499
00:32:58.440 --> 00:33:02.119
to do a verification process, says either in person at

500
00:33:02.119 --> 00:33:08.720
the office or over the phone. And it really is

501
00:33:08.759 --> 00:33:14.240
a great protection tool because if someone files a fraudulent

502
00:33:14.279 --> 00:33:18.440
tax return in your name and sol security number, they

503
00:33:18.480 --> 00:33:22.519
do not have the PIN that is required on the return,

504
00:33:22.640 --> 00:33:28.839
so that return will automatically get rejected. Remember my experience

505
00:33:29.039 --> 00:33:31.960
with not having a PIN and having that fraudulent return

506
00:33:32.039 --> 00:33:36.279
being filed. I will tell you that since I was

507
00:33:36.319 --> 00:33:41.000
a victim of tax related identity THEFT, I automatically was

508
00:33:41.119 --> 00:33:43.680
issued an ip PIN. I did not have to go

509
00:33:43.799 --> 00:33:47.720
into the system and generate one and apply for one.

510
00:33:48.480 --> 00:33:51.279
People that are victims of tax related identity THEFT are

511
00:33:51.319 --> 00:33:55.759
automatically enrolled in the program. So I have one now,

512
00:33:56.119 --> 00:33:58.759
so it will be on all of my returns from

513
00:33:58.799 --> 00:34:02.400
here on out. But it is a great preventative tool,

514
00:34:03.319 --> 00:34:07.599
protection tool. With your IRS account. A lot of people

515
00:34:07.680 --> 00:34:11.280
might think, well, yeah, my name's out there, but people

516
00:34:11.320 --> 00:34:13.960
don't have access to my soil security number. I haven't

517
00:34:13.960 --> 00:34:18.280
given it out one of the ways people have your

518
00:34:18.320 --> 00:34:21.719
soil Security number is you know the companies that are

519
00:34:21.719 --> 00:34:25.000
getting hacked into. You have to think about that, how

520
00:34:25.039 --> 00:34:28.400
many of those companies out there have your social Security number?

521
00:34:30.519 --> 00:34:33.519
And then you can see how easy it is for

522
00:34:33.760 --> 00:34:39.280
scammers to get your social Security number. So error on

523
00:34:39.320 --> 00:34:42.559
the side of caution, assume your social security numbers out

524
00:34:42.599 --> 00:34:46.440
there and get this identity protection PIN. Trust me, it

525
00:34:46.480 --> 00:34:51.840
will save you a lot of time and frustration because

526
00:34:51.880 --> 00:34:58.440
these fraudulent returns are getting worse and worse. So thank

527
00:34:58.480 --> 00:35:02.039
you guys for spending your Tuesday morning with me and

528
00:35:02.119 --> 00:35:06.840
learning more about the IRS. Identity Protection PIN thought it

529
00:35:06.880 --> 00:35:09.400
was a great topic to talk about since today's tax Day,

530
00:35:09.480 --> 00:35:11.960
so please don't forget to file your returns or your

531
00:35:12.000 --> 00:35:15.599
extensions and make any payments that you need to make

532
00:35:17.280 --> 00:35:20.400
until next Tuesday. Don't forget to get on our website

533
00:35:20.400 --> 00:35:25.280
at Rosadvocacy dot org and find more resources, find our

534
00:35:25.320 --> 00:35:27.239
social media links, and down at the bottom of the

535
00:35:27.239 --> 00:35:30.840
homepage you can opt into our emailed newsletter and our

536
00:35:30.840 --> 00:35:33.519
mail newsletter. See you next week.

537
00:35:35.079 --> 00:35:38.199
Well that's all the knowledge for this episode. June in

538
00:35:38.280 --> 00:35:42.360
every Tuesday at eight am Pacific time on KFOURHG Radio

539
00:35:42.519 --> 00:35:47.199
at kfourhd dot com as Joyce explores a variety of knowledge,

540
00:35:47.239 --> 00:35:50.840
so you have the power to make scam protection your

541
00:35:51.000 --> 00:35:54.639
healthy habit, and until then, feel free to reach out

542
00:35:54.639 --> 00:35:57.239
to Joyce and let's talk about scams.