In an era where cybercriminals are becoming increasingly sophisticated, safeguarding personal and financial information is essential for every taxpayer. The IRS has introduced several tools to help protect taxpayers from identity theft and fraud, one of which is the Identity Protection Personal Identification Number (IP PIN). Together with the IRS Online Account, the IP PIN serves as a crucial defense against scammers attempting to file fraudulent tax returns or steal sensitive information.

What Is an IP PIN?

An IP PIN is a six-digit number provided by the IRS that only the taxpayer and the IRS know. This number is used to confirm the taxpayer’s identity when filing federal tax returns, ensuring that even if a fraudster gains access to personal details, they cannot submit a tax return without the correct IP PIN.

While the program is voluntary for most taxpayers, it is strongly recommended, especially for individuals who have previously experienced identity theft. In cases where identity theft has already been proven, the IRS will assign the taxpayer an IP PIN to prevent future incidents.

Key Facts About the IP PIN Program

• Unique Identifier: The IP PIN is a six-digit number known only to the taxpayer and the IRS. It must be used on electronic and paper tax returns.
• Voluntary but Encouraged: While the program is optional, the IRS highly encourages taxpayers to take advantage of the additional layer of security it provides.
• Assigned in Cases of Identity Theft: If a taxpayer has fallen victim to identity theft, they will automatically be assigned an IP PIN to protect them from further fraudulent activity.
• Annual Renewal: Each IP PIN is valid for one year. After it expires, a new number is generated to maintain security.
• Accessibility: Taxpayers can obtain their IP PIN via mail or by using the IRS’s “Get an IP PIN” tool online, provided they successfully verify their identity.
• Mandatory for Tax Filing: Once enrolled in the IP PIN program, taxpayers must use the number for all federal tax filings during the year, including for amended and prior year returns.
• Privacy: IP PINs should only be shared with the IRS and the taxpayer’s authorized tax preparer. The IRS will never contact a taxpayer by phone, email, or text to request an IP PIN, so taxpayers should be vigilant against potential scams.

How to Obtain an IP PIN

To request an IP PIN, taxpayers must verify their identity through the “Get an IP PIN” tool available on the IRS website. Individuals with either a Social Security number or an individual taxpayer identification number (ITIN) can use the tool to secure their IP PIN.

It is important for taxpayers to review the identity verification requirements in advance to ensure they are prepared. For those unable to validate their identity online, the IRS provides alternative options. Taxpayers with income below a specific threshold ($79,000 for individuals and $158,000 for married couples filing jointly in 2024) can apply using Form 15227. Additionally, those facing technical difficulties or other eligibility issues can schedule an in-person appointment at a local Taxpayer Assistance Center.

Why Tax Professionals Recommend IP PINs

Tax professionals strongly recommend that clients affected by identity theft obtain an IP PIN, even if a fraudulent tax return has already been filed in their name. The IP PIN can prevent further tax-related identity theft by ensuring that any future returns must be authenticated using the secure six-digit number.

For individuals who cannot validate their identity online or through Form 15227, the IRS offers support through appointments at Taxpayer Assistance Centers. This in-person option can be particularly useful for those encountering technical barriers or who need additional help with identity validation.

Stay Informed and Protect Yourself

The IRS offers a range of resources to help taxpayers protect themselves from fraud. From its Identity Theft Central page to various publications outlining best practices for safeguarding data, there are multiple tools available for those looking to enhance their security.

By establishing an IRS Online Account and opting into the IP PIN program, taxpayers take important steps toward preventing identity theft and ensuring the safety of their personal information. For those who have been victims of identity theft or who are simply looking to add an extra layer of protection, these tools can make a significant difference in maintaining financial security and peace of mind.

If you have further questions about IP PINs or protecting your tax information, feel free to reach out to us for expert guidance. We are here to help you navigate the complexities of tax security and ensure you have the protection you need.