As identity theft and tax-related fraud continue to rise, the Internal Revenue Service (IRS) has taken significant steps to protect taxpayers. One of the most powerful tools available today is the Identity Protection Personal Identification Number (IP PIN). This unique six-digit number helps prevent fraudulent tax filings using a stolen Social Security number (SSN) and plays a vital role when filing Form 1040—the standard U.S. individual income tax return.
In this blog, we’ll explore what the IP PIN is, why it matters, who should get one, and how to properly use it when filing your tax return on Form 1040. Whether you’ve been a victim of identity theft or simply want to add a layer of protection, this guide is essential reading.
What Is an IRS Identity Protection PIN (IP PIN)?
The IRS Identity Protection PIN is a six-digit number assigned annually to eligible taxpayers to protect their tax return from identity theft. This number is known only to the taxpayer and the IRS and acts as a security feature. When you include your IP PIN on your tax return, it helps verify your identity and ensures that no one else can file a return using your SSN.
Once issued, the IP PIN must be used on all individual federal tax returns (e.g., Form 1040) and any amended returns (e.g., Form 1040-X) for the calendar year it applies to.
Who Should Use an IP PIN?
Initially, IP PINs were issued only to victims of tax-related identity theft. However, the program is now available voluntarily to all taxpayers who can verify their identity.
You should consider getting an IP PIN if:
- You’ve been a victim of identity theft or attempted tax fraud
- You want to prevent someone from filing a false tax return in your name
- You live in the United States and can pass the IRS identity verification process
Even dependent children can receive IP PINs if their identities are at risk.
How to Get an IP PIN
You can obtain your IP PIN using the IRS’s online portal. The process involves identity verification and access through an IRS.gov account.
Steps to Apply Online:
- Visit the IRS IP PIN page.
- Click “Get an IP PIN” and sign in with your ID.me or IRS username and password.
- Complete the identity verification process (upload documents, take a selfie, answer questions).
- Receive your six-digit IP PIN online immediately.
If you can’t access the online system, you may apply by mail using Form 15227 or schedule an appointment at an IRS Taxpayer Assistance Center.
Using the IP PIN on Form 1040
If you have been assigned an IP PIN, it is mandatory to include it when filing your Form 1040, whether on paper or electronically.
Where to Enter the IP PIN:
- On the paper Form 1040, there is a special field labeled “Identity Protection PIN” near the signature area on page 2.
- For joint filers, both taxpayers (if assigned IP PINs) must include their respective IP PINs in the appropriate fields.
- If you’re using tax preparation software or working with a tax professional, they will ensure the IP PIN is included properly during electronic filing.
Failure to include your IP PIN may delay your refund or result in the IRS rejecting your return for security reasons.
What Happens If You Lose or Forget Your IP PIN?
If you’ve misplaced your IP PIN, you can retrieve it online by logging into your IRS account. The IRS does not allow IP PINs to be retrieved via phone or email for security purposes.
You’ll receive a new IP PIN each January, either online or by mail. It’s important to keep it in a secure location and not share it with anyone who is not your authorized tax preparer.
Filing Without an IP PIN (When One Is Required)
If the IRS has issued you an IP PIN and you fail to include it when filing Form 1040, the IRS will reject your electronic return or delay processing of a paper return. You will likely receive a letter requesting the missing information.
Always double-check that your IP PIN is correctly entered before submitting your return. Mistakes, even a single digit off, will trigger a rejection or delay.
Should You Share Your IP PIN With Your Tax Preparer?
If you’re working with a trusted tax professional, you must provide them with your IP PIN so they can include it on your Form 1040. However, exercise caution and ensure your preparer is a legitimate, credentialed individual or firm.
Never share your IP PIN through unsecured methods like text messages or email.
Common IP PIN FAQs
1. Is the IP PIN permanent?
If you voluntarily opted in, you’ll receive a new IP PIN every year unless you opt out. If you were assigned an IP PIN due to confirmed identity theft, you must use it indefinitely.
2. Can you opt out of the IP PIN program?
If you volunteered for the program, yes. But if the IRS assigned it due to identity theft, it is mandatory.
3. Does the IP PIN protect state returns?
No. It only applies to federal tax returns filed with the IRS. Some states have their own identity protection programs.
Tips for IP PIN Security
- Store your IP PIN in a secure place—treat it like a bank password
- Never share it with anyone except your authorized tax preparer
- Be alert for phishing scams that ask for your IP PIN
- Use the IRS online account to manage your PIN securely
Conclusion: An Extra Layer of Security You Shouldn’t Ignore
With tax fraud on the rise, the IP PIN provides a much-needed security shield for your federal tax return. By ensuring only you (or your authorized representative) can file using your Social Security number, it protects your refund and identity.
Filing Form 1040 with your IP PIN is easy—but essential if you’ve opted into the program or the IRS has required it. Whether you’re a first-time filer or someone who has experienced identity theft, taking advantage of the IP PIN program can offer peace of mind during tax season.
Make it a part of your annual tax routine—and stay one step ahead of fraudsters.
