Identity Protection PIN (IP PIN) is a self-contained, extra layer of security designed to prevent tax-related identity theft. By requiring a unique, six-digit number on your federal tax return, the IP PIN makes it harder for impostors to file under your name. This guide explains what an IP PIN is, who should consider it, and the safest ways to obtain one through the Internal Revenue Service (IRS).
What Is An Identity Protection PIN
An Identity Protection PIN is a six-digit number issued annually by the IRS. It must be entered on your federal tax return to validate your identity. The IP PIN is unique to you and your tax return and helps ensure that only you can file a tax return using your personal information. IP PINs are particularly effective against one common form of tax fraud: criminals who file a fraudulent return using a stolen Social Security number or personal data.
Who Should Consider An IP PIN
Most taxpayers do not need an IP PIN. It is especially beneficial for individuals who have previously experienced tax-related identity theft, or who live in high-risk areas and want an added security layer. The IP PIN is also recommended for taxpayers who have been notified by the IRS that their information was involved in a data breach or those who are part of the IRS Identity Protection PIN program. In short, if you want to harden your tax filing against fraud, an IP PIN is a prudent option.
How An IP PIN Protects You
The IP PIN requirement means the IRS will only accept a tax return that includes the correct, current six-digit IP PIN. Even if a thief has your name, Social Security number, and other personal data, they would still need the IP PIN to complete a fraudulent federal tax filing. The IP PIN does not affect state tax returns or other accounts, but it significantly reduces the risk of identity theft for federal filings by adding an extra, personal verification step.
How To Get An IP PIN Online
The online method is the fastest and most convenient way to obtain an IP PIN. The IRS offers a dedicated Get An IP PIN tool within its Identity Protection PIN system. To proceed, you must pass a rigorous identity verification process, which may include answering questions based on your credit history and personal information. Once verified, you can retrieve and use your IP PIN for the current tax year.
Steps to obtain online:
- Visit the IRS Get An IP PIN page and start the online verification process.
- Provide your personal information as it appears on IRS records, including your full name, Social Security number, date of birth, and filing status.
- Complete the identity verification questions. If you’re unable to verify online, you may need to use alternative verification methods or request by mail.
- After successful verification, view and securely store your IP PIN. You can also opt to receive it by mail in some cases, but online access is immediate.
Tips for online enrollment:
- Use a computer in a private network to reduce the risk of interception.
- Keep your IP PIN in a secure location separate from your tax records.
- Do not share your IP PIN with others, and never send it via email or text.
Alternative Ways To Get An IP PIN
If online verification is not feasible, the IRS provides alternative methods to obtain an IP PIN. These options may take longer and require more documentation.
- Phone Assistance: In some cases, the IRS may provide guidance or arrange for IP PIN issuance through official channels after identity verification by phone.
- Mail Request: You may be able to request an IP PIN by mailing a form or correspondence to the IRS, especially if you cannot complete online verification due to protective measures for identity theft victims.
- Tax Professional Assistance: A tax professional with legitimate authorization can help you understand eligibility and assist with obtaining or applying an IP PIN for your filing.
Important: The IP PIN process is tied to identity verification, so expect questions about recent financial activity, previous tax returns, and other identifying details. Prepare documentation that proves your identity, such as a government-issued ID and supporting tax records when requested.
IP PIN Validity And Renewal
IP PINs are issued annually and may change each year for security purposes. Taxpayers must use the current year’s IP PIN on their federal tax return. If you receive a new IP PIN, make sure to update your records and incorporate the latest number when filing. If a taxpayer’s personal information changes significantly, the IRS may re-issue an IP PIN as part of the identity protection process.
What To Do After Receiving An IP PIN
Once you have your IP PIN, include it on your federal tax return where requested. If you file electronically, ensure the IP PIN is entered in the correct field during e-filing. If you file by paper, write the IP PIN clearly on the form as instructed by the IRS. Keep a secure, private copy of the IP PIN for future reference, and monitor your tax accounts for any suspicious activity.
Common Questions About IP PIN
Below are concise answers to frequent concerns:
- Do I need an IP PIN every year? Yes. IP PINs are annual and may change each year.
- Does an IP PIN protect state taxes? No. IP PINs apply to federal tax returns; state tax security programs differ.
- What if I forget my IP PIN? Use the IRS online tool to retrieve or reset it securely, or contact IRS support for guidance.
- Can I opt out of IP PIN? In some cases, you may be able to discontinue participation, but this may depend on eligibility and fraud risk assessment.
Key Takeaways
IP PINs provide a robust, user-specific safeguard against tax-related identity theft. They are especially valuable for those with prior fraud incidents or elevated risk. The fastest path to obtain an IP PIN is through the IRS online Get An IP PIN portal, which offers secure identity verification and immediate PIN access. If online verification is not possible, explore alternative verification routes or consult a tax professional for assistance.