An Identity Protection PIN, or IP PIN, is a six-digit number the IRS says prevents someone else from filing a tax return using your Social Security number. Only you and the IRS know it. Anyone with an SSN or ITIN who can verify their identity may enroll, according to the IRS. Last week's issue covered credit freezes; this one covers a protection the IRS offers for your tax filing.
Step 1. Choose how to enroll
By mail, Form 15227. The IRS offers this if your adjusted gross income on your last return was below $84,000 (individual) or $168,000 (married filing jointly) and you cannot set up an online account. You need a valid SSN or ITIN and a phone, because the IRS calls the number on the form to verify you. The PIN usually arrives by mail in four to six weeks.
In person. Make an appointment at a Taxpayer Assistance Center and bring one federal or state photo ID plus one more ID. The PIN usually arrives by mail in about three weeks.
Step 2. Use the PIN each year
The PIN is good for one calendar year and a new one is generated each year.
If you enrolled online, you retrieve the new PIN online each year, starting in early January. The IRS says it can generally be viewed online from mid-January through mid-November, and you will not get a mailed notice.
Enter it when you e-file. On a joint return, each spouse who has an IP PIN enters their own. If you claim a dependent who has one, you enter theirs too.
Know before you enroll
An incorrect or missing IP PIN gets an e-filed return rejected. A paper return takes longer to process.
The IRS says it will never ask for your IP PIN. A call, email or text asking for it is a scam.
Lost it? Retrieve it from your online account or the IRS app. If that fails, the IRS says to call 800-908-4490 and that an assistor verifies you and mails it within 21 days.
Enrolled voluntarily and want out? The IRS says you may be eligible to opt out if you have not been a victim of tax-related identity theft. After opting out, allow up to 72 hours before you e-file without a PIN.
Up next · Monday
This week's privacy news, one story, clearly explained.