This is so frustrating! I'm going through the exact same thing with Jackson Hewitt - denied twice when I was approved easily last year. My refund is around $4,800 and I can't figure out what changed. Reading through these comments about IRS flags and income verification makes me think that's probably what's happening. Has anyone had luck calling Jackson Hewitt directly to ask why they're denying? Or is it really just a matter of waiting for the IRS to clear whatever review they're doing? I'm tempted to try that taxr.ai thing everyone's mentioning just to get some answers instead of being left in the dark.

Hey! I went through this exact same thing with Jackson Hewitt last month. Got denied twice for my RAL when I was approved no problem the year before. Turns out the IRS had flagged my return for additional review because I claimed a new dependent (my nephew I'm caring for). The crazy part is Jackson Hewitt never explained WHY I was denied - they just kept saying "denied by the bank" which made me think it was credit related. It wasn't until I got my account transcript that I saw the review codes. With a $5,600 refund, the IRS is probably just being extra cautious with verification. The good news is once they finish their review (took about 3 weeks for me), you'll get your full refund directly deposited. It's just frustrating being left in the dark about what's actually happening with your return!

My company did the same thing! No code DD on my W-2 this year. I called HR and they didn't even know what I was talking about 🤦‍♀️ When I explained it was the health insurance cost reporting, they just said "we follow all IRS requirements" and brushed me off. Really frustrating when you're trying to understand your own compensation.

This is a really common issue that I've seen come up a lot lately. The code DD reporting requirement is still active under the ACA, but as others mentioned, it only applies to employers who issued 250 or more W-2s in the previous tax year. One thing to keep in mind is that if your employer changed payroll providers or went through a merger/acquisition, this could affect how they count towards that 250 threshold. Also, some employers mistakenly think this reporting is optional because there aren't heavy penalties specifically for missing code DD. If you want to find out your actual health insurance costs, you can also check your Summary Plan Description (SPD) or Annual Notice that your employer is required to provide. These documents usually break down the total premium costs. Your employee benefits portal might also have this information under plan details or cost summaries.

As someone who's been through this confusion myself, I can confirm what everyone has said - you absolutely get $1,500 for EACH spouse over 65. So your calculation of $30,700 total ($27,700 + $1,500 + $1,500) is correct! The IRS really should make this clearer in their publications. I think the confusion comes from the way they phrase it as "additional standard deduction for taxpayers 65 and older" without explicitly stating it's per person on joint returns. But yes, each qualifying spouse gets their own additional amount. One tip: if you're using tax software, double-check that it calculated this correctly. Most do it automatically when you enter birth dates, but it's worth verifying the final numbers match what you expect. And as others mentioned, definitely review your prior year returns to make sure you didn't miss out on claiming the full amount you were entitled to.

This is such a helpful thread! I'm 66 and my husband is 68, and we've been filing jointly for years but I honestly wasn't sure if we were getting the full senior deduction we're entitled to. Reading through everyone's explanations really clarifies that we should be getting $30,700 total ($27,700 base + $1,500 for me + $1,500 for him). I'm definitely going to go back and check our last couple years' returns now. It sounds like a lot of people have discovered they weren't claiming the full amount they qualified for. Better late than never to figure this out! One thing I'm curious about - when does the "65 or older" qualification kick in exactly? Is it based on your age on December 31st of the tax year, or does it matter when during the year you turned 65?

I'm getting the exact same Transaction 107460787274-1 error! Been trying to access my cycle 5 transcript since around 6 AM and hitting that same "unrecoverable error" message every single time. It's honestly such a relief to find this thread and see I'm not the only one dealing with this frustrating issue. I was genuinely starting to panic thinking something was wrong with my return or that my account got flagged somehow, but seeing everyone getting the identical transaction error code really confirms this is just the IRS servers being completely overwhelmed today. Makes perfect sense since we're all cycle 5 folks frantically trying to check if our refunds processed overnight. The late night strategy that multiple people have mentioned sounds like the smart approach - definitely going to wait until after 11 PM when traffic dies down instead of continuing to refresh every few minutes like I have been all morning. You'd think the IRS would anticipate these predictable traffic spikes by now and beef up their server capacity! Thanks everyone for sharing your experiences and tips. This community is seriously a lifesaver for understanding what's normal IRS system chaos versus actual problems with our returns! 🤞

I'm experiencing the exact same Transaction 107460787274-1 error! Been trying since around 7 AM and keep getting that frustrating "unrecoverable error" message. As a cycle 5 filer, I was really hoping to see if my transcript updated with any refund information today. Reading through all these comments has been such a huge relief - I was genuinely worried something was wrong with my specific account or return. The fact that we're all getting the identical transaction error code really confirms this is just widespread server overload on cycle 5 update day when everyone's checking simultaneously. Really appreciate all the advice about trying late at night when traffic dies down. Makes total sense that 11 PM would have way less users than early morning when we're all frantically refreshing hoping for updates. Going to resist the urge to keep checking constantly and wait until tonight instead. This community is amazing for helping each other understand what's normal IRS system chaos versus actual problems with our returns. Thanks everyone for sharing your experiences! 🙏

This is such a helpful discussion! I just wanted to add that if you're dealing with this decision, it's also worth considering your personal financial situation. If you're someone who struggles with budgeting or prefers having more money available throughout the year for expenses, the weekly option might be better even if the withholding is more accurate. On the flip side, if you're disciplined with money and don't mind essentially giving the government an interest-free loan, daily pay with overwithholding can work as a forced savings plan - you'll get that money back at tax time. Also, don't forget to factor in any processing fees your employer might charge for daily payments. Some companies charge a small fee (like $1-3) for each daily payment, which could eat into your earnings over time. Make sure to ask about any associated costs before making your decision!

This thread has been super enlightening! I work in payroll for a mid-sized company and can confirm everything that's been said about the withholding calculations. One thing I'd add is that if you do choose daily pay and notice overwithholding, don't wait until the end of the year to address it. You can submit an updated W-4 to your employer at any time during the year to adjust your withholding allowances. Also, regarding the question about irregular daily hours - yes, this makes the withholding calculation even more unpredictable. On a day when you work 10 hours and earn $300, the system might calculate as if you'll earn $78,000 annually and withhold at an even higher rate. Then on a 4-hour day earning $120, it calculates as if you'll earn $31,200 annually. The withholding percentages can swing wildly from day to day, which is why most payroll professionals recommend weekly or bi-weekly pay for employees with variable hours. If you're stuck with daily pay due to company policy, I'd strongly suggest monitoring your first few paychecks closely and adjusting your W-4 accordingly to avoid a massive refund (which is essentially an interest-free loan to the government).