In an era where data breaches and identity theft are becoming increasingly common, protecting your personal and financial information is more critical than ever. The Internal Revenue Service (IRS) offers a powerful tool to help taxpayers safeguard their tax identity: the Identity Protection Personal Identification Number, or IP PIN. This unique six-digit number serves as an added layer of security when filing your federal tax return. In this comprehensive guide, we’ll explore what the IRS IP PIN is, why it matters, who can get one, and how to apply for it.
1. What Is the IRS Identity Protection PIN (IP PIN)?
The Identity Protection PIN is a six-digit number assigned by the IRS to help prevent fraudulent use of your Social Security Number (SSN) on tax returns. Once enrolled, only a return filed with your unique IP PIN will be accepted for processing by the IRS. This system blocks cybercriminals from using your SSN to file a fraudulent return and claim a refund in your name.
The IP PIN is used only when filing your federal tax return. It must be entered accurately on the return to verify your identity. A new IP PIN is issued each calendar year to maintain security.
2. Why the IP PIN Matters
Tax-related identity theft occurs when someone uses your stolen personal information to file a tax return and fraudulently claim a refund. The IRS IP PIN program was initially launched for confirmed victims of tax-related identity theft. However, due to its success, the IRS has expanded the program to allow any taxpayer to voluntarily opt in for added protection.
The benefits of having an IP PIN include:
- Preventing fraudulent returns: No return can be filed under your SSN without the correct IP PIN.
- Peace of mind: Added security knowing your tax identity is protected.
- Free and easy to obtain: There is no cost to enroll in the program.
3. Who Is Eligible for an IP PIN?
As of 2021, the IRS made the IP PIN program available to all taxpayers nationwide—not just those who were victims of identity theft. You can request an IP PIN if:
- You are a U.S. taxpayer with a valid SSN or Individual Taxpayer Identification Number (ITIN)
- You can verify your identity with the IRS
- You are filing a tax return (individuals only; not available for businesses or trusts)
Even minors and dependents can receive an IP PIN if requested by a parent or legal guardian, as long as identity verification is successful.
4. How to Get an IP PIN
The fastest and most secure way to obtain an IP PIN is through the IRS’s Get an IP PIN tool on their website. Here’s how the process works:
Step-by-Step: Online IP PIN Enrollment
- Visit the IRS website at www.irs.gov/getanippin.
- Click on “Get an IP PIN” to access the tool.
- Sign in using your IRS account or create one if you don’t have one.
- Verify your identity by providing:
- Full name, date of birth, and SSN or ITIN
- Filing status and mailing address
- Access to financial account information (credit card, mortgage, etc.) for verification
- Once verified, the IRS will display your current IP PIN.
This tool is available from mid-January through mid-November each year. A new IP PIN will be generated and available each January.
Alternate Methods to Request an IP PIN
A. Form 15227 (for Those with Income Under $73,000)
If you can’t verify your identity online, you may submit Form 15227, Application for an Identity Protection Personal Identification Number. You qualify to use this method if:
- Your income is $73,000 or less (for individuals) or $146,000 or less (for married couples)
- You have a valid SSN or ITIN
- You have a U.S. phone number and can pass a phone verification interview
After your identity is verified by phone, you’ll receive your IP PIN by mail in about four to six weeks.
B. In-Person IRS Appointment
If you don’t qualify for online or phone verification, you can schedule an in-person visit at an IRS Taxpayer Assistance Center (TAC). You must bring valid photo identification and documents to verify your identity. After verification, your IP PIN will be mailed to you within three weeks.
5. How to Use the IP PIN When Filing Taxes
Once you have your IP PIN, you must include it on your federal income tax return. Whether you file electronically or by paper, the IP PIN must be entered accurately in the designated section.
Failure to include the correct IP PIN may result in the rejection of your return, processing delays, or increased scrutiny from the IRS. If you’re using tax software or a preparer, be sure to provide your current IP PIN to avoid any issues.
6. Important Facts About the IP PIN
- New PIN Every Year: The IRS assigns a new IP PIN each calendar year for security reasons. Be sure to retrieve your latest PIN each January.
- Only Use on Federal Returns: Currently, the IP PIN is only used for federal tax filing—not for state returns.
- Don’t Share It: Treat your IP PIN like your SSN—keep it secure and never share it with anyone except a trusted tax preparer.
- No Opt-Out: Once you opt in to the IP PIN program, you cannot opt out. You must use the IP PIN every year moving forward.
7. Lost or Forgotten IP PIN
If you misplace your IP PIN, you can retrieve it through your online IRS account. Simply log in and access the IP PIN tool. If you are unable to retrieve it online, you may call the IRS at 800-908-4490 for assistance. Note that the IRS does not reissue IP PINs by email or phone for security reasons. They will send your IP PIN by mail.
8. What If Someone Else Has Already Filed Using My SSN?
If you believe your tax identity has already been compromised—such as receiving a notice from the IRS about a duplicate return—take these steps immediately:
- Respond to the IRS notice promptly
- File Form 14039 (Identity Theft Affidavit)
- Work with the IRS Identity Theft Victim Assistance unit to resolve the issue
- Request an IP PIN for all future returns
9. Benefits of Voluntary Enrollment
Even if you haven’t experienced identity theft, enrolling in the IP PIN program provides proactive protection. With an increasing number of data breaches affecting both private and public institutions, even careful taxpayers may find their data compromised. The IP PIN helps block cybercriminals from using stolen data to file fake tax returns in your name.
10. Conclusion
The IRS Identity Protection PIN is one of the most effective tools available to protect yourself from tax-related identity theft. By adding a secure, annually-changing six-digit PIN to your return, you gain control over your tax identity and reduce the risk of fraud. The enrollment process is simple, free, and available to all taxpayers nationwide.
Whether you’ve been a victim of identity theft or simply want to take proactive security measures, applying for an IP PIN is a smart move. Visit the IRS website today, complete the verification steps, and take a meaningful step toward protecting your financial future.
