The Internal Revenue Service (IRS) continues to enhance its security measures to protect taxpayers from identity theft. One of the most powerful tools in its arsenal is the Identity Protection Personal Identification Number (IP PIN). For the 2025 tax year, several updates and procedural refinements have been introduced that directly impact how you file Form 1040 electronically. This guide breaks down the critical changes to the IP PIN program and how they affect your tax filing experience in 2025.
What Is an IP PIN?
An IP PIN is a six-digit number issued annually by the IRS to eligible taxpayers. It acts as an added layer of identity verification, ensuring that only the rightful taxpayer can file a return under their Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
Initially, the IP PIN was limited to confirmed victims of tax-related identity theft. However, in recent years, the IRS has expanded the program to allow all taxpayers to opt in voluntarily, as long as they can verify their identities through IRS-approved methods.
Key IP PIN Changes for 2025
The IRS has announced important changes to how IP PINs will function and be distributed in 2025. These changes are designed to streamline the process while strengthening protections. Here’s what’s new:
- Faster Access via IRS Online Accounts: Taxpayers can now retrieve or regenerate their IP PINs directly through their IRS online accounts, with enhanced multi-factor authentication for better security.
- Optional Auto-Renewal Feature: Taxpayers may opt in to an automatic renewal system, which allows them to retain their IP PIN from the previous year unless a change is requested.
- Improved Mailing Schedule: Paper-based IP PIN letters (Letter CP01A) will now be mailed earlier—starting in mid-December 2024—to give taxpayers more time to prepare for the 2025 filing season.
- State-Level Integration: Some states are beginning to integrate IP PINs into their e-filing systems for state returns, making it more universally relevant.
How to Obtain an IP PIN in 2025
If you’re filing Form 1040 and wish to opt into the IP PIN program for the first time in 2025, follow these steps:
- Visit IRS.gov/GetAnIPPIN.
- Create or log in to your IRS account using Secure Access credentials.
- Pass a multi-factor identity verification check, which may include uploading documents or answering knowledge-based questions.
- Receive your six-digit IP PIN instantly online or request that it be mailed to you.
Once issued, your IP PIN is valid for one calendar year and must be included on your federal tax return to validate it.
Why the IP PIN Matters When E-Filing Form 1040
When submitting Form 1040 electronically, the IP PIN serves as an authentication checkpoint. If you are assigned or opt in to use an IP PIN, it must be entered correctly during the e-filing process, or your return will be rejected.
Here’s how the IP PIN directly affects your electronic filing:
- Prevents fraudulent filings: Identity thieves who do not have your IP PIN will not be able to successfully file a false return using your SSN.
- Reduces processing delays: Filing with a valid IP PIN avoids security flags and manual processing that can delay your refund.
- Required once enrolled: Once you’ve opted in or have been assigned an IP PIN, it must be used for all future tax filings unless you formally opt out.
Entering the IP PIN on Form 1040 in 2025
If you’re preparing your tax return using IRS Free File, commercial tax software, or through a tax professional, the IP PIN entry field will appear during the identity verification portion of the filing process. Each taxpayer (and spouse, if applicable) with an IP PIN must enter it in the proper field:
- On Form 1040: The IP PIN goes in the “Identity Protection PIN” field, typically located on the signature line.
- Electronically filed returns: Tax software will prompt you for the IP PIN before submission.
- Paper returns: Clearly write the IP PIN next to your signature in the space provided.
Failure to provide a correct IP PIN will result in rejection of your e-filed return or delays if mailed.
Lost or Forgotten IP PIN? Here’s What to Do
If you’ve misplaced your IP PIN, don’t panic. The IRS offers several ways to recover it:
- IRS Online Account: Log in to your account to view or regenerate your current year’s IP PIN.
- Call the IRS: For those unable to access the website, you can request a reissuance by calling the IRS Identity Protection Specialized Unit (IPSU) at 800-908-4490.
- In-Person Identity Verification: If you’re locked out online, schedule an appointment at a local IRS Taxpayer Assistance Center (TAC) for in-person help.
Always store your IP PIN in a secure location and avoid sharing it with anyone, including your tax preparer, via unsecured methods like email or text.
Special Cases: Dependents and Joint Filers
If you are claiming a dependent who has been issued an IP PIN, their PIN must also be correctly entered on the return. This especially applies to children who were victims of identity theft or those enrolled in the program voluntarily.
For married couples filing jointly, each spouse who has an IP PIN must enter it separately during the filing process. Failing to include both will result in IRS rejection.
Should You Opt Into the IP PIN Program?
While not mandatory for most taxpayers, enrolling in the IP PIN program is highly recommended if:
- You’ve experienced identity theft or attempted fraud in the past.
- Your personal information has been exposed in a data breach.
- You want an extra layer of protection against fraudulent tax filings.
However, consider the responsibility involved—once enrolled, you’ll need to retrieve and input your new IP PIN every tax year.
Potential Pitfalls to Avoid in 2025
- Missing the mailing deadline: If you request your IP PIN by mail and do not receive it, contact the IRS before filing.
- Entering last year’s PIN: Each year brings a new IP PIN. Using a prior year’s number will result in rejection.
- Confusing PIN with e-filing PIN: The IP PIN is separate from the self-selected five-digit e-filing PIN or AGI used to sign your return electronically.
What Happens If You Don’t Use the IP PIN?
If you’ve been issued an IP PIN and fail to use it, your e-filed return will be automatically rejected by the IRS. For paper returns, the IRS will delay processing and send a letter requesting verification. This delay can significantly impact your refund timing and may even lead to the denial of certain credits until verification is complete.
Conclusion: File Confidently in 2025
The IP PIN program is one of the most robust tools for preventing tax-related identity theft. As the IRS improves its digital infrastructure, using an IP PIN when filing Form 1040 electronically in 2025 is both easier and more important than ever. Whether you’re a seasoned filer or preparing your taxes for the first time, embracing this added layer of security can ensure that your return is filed accurately, promptly, and safely.
To stay proactive, sign up early, retrieve your PIN securely, and include it correctly on your return. This simple step could save you from a lengthy and stressful identity theft resolution process in the future.
