It's an unfortunate truth that identity theft is a growing concern, and tax-related identity theft can be particularly stressful. Imagine the frustration of filing your tax return only to have it rejected because a fraudulent one was already submitted in your name! This is where the IRS Identity Protection Personal Identification Number (IP PIN) comes in. It's a crucial tool designed to add an extra layer of security to your tax filings.
So, you want to protect your tax identity? Excellent choice! Let's dive into the step-by-step guide on how to get an IRS IP PIN. This comprehensive guide will walk you through the process, ensuring you're well-equipped to safeguard your financial information.
What is an IRS IP PIN and Why Do You Need It?
Before we jump into the "how," let's understand the "what" and "why." An Identity Protection PIN (IP PIN) is a six-digit number issued by the Internal Revenue Service (IRS) to eligible taxpayers. It acts as a secret key that only you and the IRS know. When you file your federal tax return, whether electronically or by paper, you must include this IP PIN. If you don't, or if you enter it incorrectly, your return will be rejected (for e-filed returns) or significantly delayed (for paper returns).
Why is it so important? The IP PIN helps prevent tax-related identity theft. It ensures that even if a fraudster gets hold of your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), they cannot successfully file a fraudulent tax return in your name without your unique IP PIN. Think of it as a personal password for your tax return.
Important Note: An IP PIN is different from an e-file PIN (which is a 5-digit number you choose yourself for e-filing). The IP PIN is specifically for identity protection and is provided by the IRS.
 |
| How To Get An Irs Pin Number |
Step 1: Determine Your Eligibility and Method of Application
Are you ready to take control of your tax security? The first step is to understand who can get an IP PIN and the different ways you can apply. The IRS has expanded its IP PIN Opt-In Program, making it available to anyone with a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) who can verify their identity.
There are primarily three ways to obtain an IP PIN:
QuickTip: Look for patterns as you read.
- Online (Fastest and Recommended): Through your IRS Online Account. This is the quickest and most convenient method if you can successfully verify your identity online.
- By Mail (Form 15227): If you can't verify your identity online or if your Adjusted Gross Income (AGI) falls below a certain threshold. This method takes longer.
- In-Person (Taxpayer Assistance Center - TAC): If the online and mail options aren't feasible for you. This is typically a last resort and requires an appointment.
Let's break down each method in detail.
Step 2: Applying for Your IP PIN Online (The Easiest Way)
This is the most efficient way to get your IP PIN. If you're comfortable with online processes and have access to the necessary information, this is your best bet.
Sub-heading: Accessing Your IRS Online Account
- Navigate to the IRS Website: Open your web browser and go to the official IRS website. Search for "Get an Identity Protection PIN" or directly visit
IRS.gov/getanippin. - Log In or Create an Account:
- Existing Users: If you already have an IRS Online Account (perhaps you've used it to check your refund status or view tax records), simply log in using your credentials.
- New Users: If you don't have an account, you'll need to create one. This involves a rigorous identity verification process through a third-party service like ID.me. This process is crucial to ensure only you can access your tax information.
Sub-heading: The Identity Verification Process (for New Accounts)
Creating an IRS Online Account requires strong identity verification. This is for your protection! Be prepared to provide:
- Your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
- A valid email address.
- A phone number capable of receiving a security code (for multi-factor authentication).
- Information from your most recent tax return (e.g., Adjusted Gross Income, filing status).
- Potentially, information about a financial account (e.g., credit card number, loan account number) to further confirm your identity. The IRS will ask a series of personal questions based on public records and your financial history.
Pro-Tip: Ensure the information you provide exactly matches what the IRS has on file. Any discrepancy can lead to delays or inability to verify your identity.
Sub-heading: Requesting Your IP PIN Once Verified
Once your identity is successfully verified and you're logged into your IRS Online Account:
- Go to Your Profile: Look for a "Profile" or similar section within your online account.
- Find the IP PIN Option: Within your profile, you should see an option to "Get an Identity Protection PIN" or "Opt-In to the IP PIN Program."
- Request Your PIN: Follow the prompts to request your IP PIN. The six-digit IP PIN will be immediately displayed on the screen.
Crucial Step: Write down your IP PIN immediately and store it in a secure place! This PIN is unique to you and is valid for the current calendar year. You will need a new one each year.
Step 3: Applying for Your IP PIN by Mail (Form 15227)
If you're unable to verify your identity online, or if your Adjusted Gross Income (AGI) falls below specific thresholds, you can apply for an IP PIN by mail. This method takes longer, so plan accordingly, especially if tax season is approaching.
Tip: Skim once, study twice.
Sub-heading: Eligibility for Form 15227
This option is available if:
- You cannot successfully establish an IRS Online Account.
- Your Adjusted Gross Income (AGI) on your last filed tax return is below:
- $84,000 for individuals.
- $168,000 for married couples filing jointly.
- You have access to a telephone for identity verification.
Sub-heading: Completing and Mailing Form 15227
- Download Form 15227: Go to the IRS website (
IRS.gov) and search for "Form 15227, Application for an Identity Protection Personal Identification Number." Download and print the form. - Fill Out the Form Accurately:
- Provide your complete Social Security Number (SSN) or ITIN.
- Enter your current mailing address.
- Provide a telephone number where you can be reached during business hours. The IRS will use this number to call and verify your identity.
- Ensure all required fields (marked with an asterisk) are completed.
- Mail the Form: Send the completed Form 15227 to the IRS address provided in the form's instructions.
- Await a Call and Mail Delivery: After submitting the form, the IRS will call you at the provided telephone number to validate your identity. Once your identity is verified, you will receive your IP PIN via the U.S. Postal Service, usually within four to six weeks. You will then receive your IP PIN annually through the mail
in subsequent years.
Important Consideration: This method is significantly slower than the online option, so factor in the processing time when deciding which method to use.
Step 4: Applying for Your IP PIN In-Person (Taxpayer Assistance Center - TAC)
If you've exhausted the online and mail options, or if you're ineligible for Form 15227, an in-person visit to a Taxpayer Assistance Center (TAC) is your alternative.
Sub-heading: Scheduling Your Appointment
- Find a Local TAC: Use the IRS's "Taxpayer Assistance Locator" tool on their website or call 844-545-5640 to find the TAC office closest to you.
- Schedule an Appointment: You cannot just walk in. You must schedule an appointment.
- Prepare for Your Visit:
- Bring a current government-issued picture identification document (e.g., driver's license, passport).
- Bring another identification document to further prove your identity.
- Be prepared to answer questions about your tax history and personal information.
Sub-heading: Receiving Your IP PIN After In-Person Verification
Once your identity is successfully verified at the TAC, you will receive your IP PIN via the U.S. Postal Service, usually within three weeks. Similar to the mail option, you will then receive your IP PIN annually through the mail.
 |
Step 5: Using Your IP PIN When Filing Your Taxes
Once you have your shiny new six-digit IP PIN, it's crucial to use it correctly when filing your tax return.
Sub-heading: Electronic Filing
- Tax Software: When using tax software (e.g., TurboTax, H&R Block), there will be a specific prompt to enter your six-digit IP PIN. Make sure to enter it accurately.
- Tax Professional: If you use a tax professional, provide them with your IP PIN. They will enter it into their tax preparation software on your behalf.
Sub-heading: Paper Filing
- Form 1040, 1040-SR, 1040-NR, or 1040-SS: If you are filing a paper return, enter your IP PIN in the designated box. For a primary taxpayer, it's typically found to the right of your signature and occupation. If your spouse also has an IP PIN, they should enter theirs to the right of their signature.
- Dependents with IP PINs: If your dependent has an IRS-issued IP PIN, you must include their IP PIN on your federal tax return as well, if applicable (e.g., Form 2441, Schedule EIC).
Critical Reminder: The IP PIN is valid only for federal income tax returns. If your state issues similar PINs, use those specific PINs for state income tax returns. They are different and not interchangeable.
Step 6: What to Do If You Don't Receive Your IP PIN or Lose It
Life happens, and sometimes things get lost or don't arrive. Don't panic if you don't receive your IP PIN or misplace it.
Tip: Reading carefully reduces re-reading.
Sub-heading: Retrieving a Lost IP PIN
- Online Account (Recommended): The fastest way to retrieve a lost IP PIN is to log back into your IRS Online Account (if you obtained it this way initially). Your current year's IP PIN should be displayed under your "Profile" or "Get an IP PIN" section.
- IRS Identity Protection Specialized Unit: If you are unable to retrieve your IP PIN online, you may call the IRS Identity Protection Specialized Unit at 800-908-4490 for assistance. They are typically available Monday-Friday, 7 a.m. - 7 p.m. local time.
- Form 15227 (if eligible): If you initially applied by mail and meet the AGI thresholds, you can re-submit Form 15227.
- Taxpayer Assistance Center (TAC): As a last resort, you can schedule an in-person appointment at a TAC to have your IP PIN reissued.
Important Note: The IRS will typically not give out IP PINs over the phone unless you contact the specialized unit after online retrieval attempts fail.
Step 7: Ongoing Management of Your IP PIN
Once you have an IP PIN, it's not a one-and-done deal.
Sub-heading: Annual Renewal
- New PIN Each Year: The IRS issues a new IP PIN each calendar year. For security reasons, your old one expires.
- CP01A Notice: If you're a confirmed victim of tax-related identity theft or were previously assigned an IP PIN, the IRS will typically mail you a CP01A Notice with your new IP PIN each year, usually in December or January.
- Online Retrieval for Opt-In Program: If you opted into the IP PIN program online, you will need to retrieve your new IP PIN online each calendar year through your IRS Online Account. The CP01A Notice will not be mailed to you in this case.
Sub-heading: Protecting Your IP PIN
- Keep it Secure: Treat your IP PIN like a password for your bank account. Do not share it with anyone other than your trusted tax professional.
- The IRS Will Not Ask for It: The IRS will never call, email, or text you to request your IP PIN. Be wary of scams!
By following these steps, you can proactively protect your identity and ensure a smoother tax filing experience. It's a small effort that can save you a lot of headache and potential financial distress in the long run.
10 Related FAQ Questions
Here are 10 frequently asked questions about obtaining an IRS IP PIN, with quick answers:
How to Get an IP PIN if I'm a Victim of Identity Theft?
If you are a confirmed victim of tax-related identity theft and the IRS has resolved your account issues, they will automatically mail you a CP01A Notice with a new IP PIN each year. You can also retrieve it online via your IRS Online Account.
How to Retrieve a Lost or Forgotten IP PIN?
The fastest way is to access your IRS Online Account. If that's not possible, you can call the IRS Identity Protection Specialized Unit at 800-908-4490.
How to Get an IP PIN for My Dependent?
Spouses and dependents are eligible for an IP PIN if they can pass the identity verification process. They will need to follow the same steps as the primary taxpayer to obtain their own IP PIN.
Tip: Stop when you find something useful.
How to Use My IP PIN When Filing My Taxes?
Enter the six-digit IP PIN when prompted by your tax software or provide it to your tax professional. If filing a paper return, write it in the designated box next to your signature.
How to Know if I Need an IP PIN?
Anyone with an SSN or ITIN can proactively opt-in to the IP PIN program. If the IRS has previously assigned you an IP PIN (e.g., due to identity theft), you must use it. Your e-filed return will be rejected without it.
How to Get an IP PIN if I Don't Have an IRS Online Account?
You can create an IRS Online Account and verify your identity through their online process. Alternatively, you can apply by mail using Form 15227 if you meet the AGI criteria, or schedule an in-person appointment at a Taxpayer Assistance Center.
How to Get a New IP PIN Each Year?
The IRS issues a new IP PIN annually. If you initially opted in online, you'll retrieve it from your IRS Online Account each year. If you received it via mail (e.g., as an identity theft victim), the IRS will mail you a new CP01A notice each December/January.
How to Avoid IP PIN Scams?
The IRS will never call, email, or text you to request your IP PIN. Only share your IP PIN with the IRS or your trusted tax preparer. Be suspicious of unsolicited requests for your IP PIN.
How to Opt-Out of the IP PIN Program?
Currently, once you have opted in and obtained an IP PIN, you cannot opt-out of the program. You must use an IP PIN to confirm your identity on all federal tax returns you file for that year and in subsequent tax years.
How to Get an IP PIN if I Live Outside the U.S.?
U.S. citizens living abroad with an SSN or ITIN can also obtain an IP PIN. The process is generally the same as for those within the U.S., primarily through the IRS Online Account and its identity verification process.
 |
