Code 810 is definitely stressful when you first see it! I went through this exact same thing about 2 months ago and was convinced I'd messed something up on my return. Turns out it was just routine verification for my EIC claim - they were cross-checking my income against employer records. The good news is that most 810 freezes do resolve, it just takes patience (which I know is easier said than done when you're waiting on your refund!). Mine took about 9 weeks total but I've seen others clear faster. One thing that really helped my anxiety was getting a clear explanation of what was actually happening instead of just guessing. Keep checking your transcripts weekly and definitely don't miss any mail from the IRS - sometimes they'll send requests for additional documentation that can speed things up if you respond quickly. Hang in there, you're definitely not alone in dealing with this! 💪

Hey Mei! I totally get the stress you're feeling right now - I went through the exact same thing about 3 months ago when Code 810 first appeared on my transcript. Was checking it multiple times a day and losing sleep over it! Turns out it was just routine verification for my EIC claim. The IRS is being super thorough this year with credits and they were just cross-referencing my income with my employer's records. Took about 7 weeks to clear but it did eventually resolve. The waiting is honestly the worst part because you have no idea what's happening or how long it'll take. What really helped me was understanding exactly what they were reviewing instead of just sitting in the dark wondering if I'd made some terrible mistake on my return. Keep checking your transcript weekly and definitely watch your mail closely - sometimes they'll send specific requests that can actually speed up the process if you respond quickly. You're definitely not alone in this, especially with EIC claims this year. Hang in there! 🤞

psst... call your local tax advocate. they can tell you exactly wuts happening

Been dealing with this exact same issue! My transcript shows 846 code but WMR is still stuck on "processing" - it's so frustrating when you need that money ASAP. From what I've learned lurking here, if your transcript doesn't show "DPC" next to the 846 code, you're probably getting a paper check. Also check if there's any freeze codes (like 971 or 570) that might indicate why they switched from DD to check. The IRS systems are definitely not synced up properly between transcript and WMR updates 🙄

I'm currently going through this exact same situation and this entire thread has been absolutely invaluable! I hit the SS cap at my previous employer in late October and just started my new position this week. Reading through everyone's experiences has given me so much confidence about how to handle this properly. I was initially overwhelmed by the complexity, but the step-by-step approaches shared here - especially the IRS withholding estimator recommendations and the "SS overwithholding packet" idea - have made this feel completely manageable. One thing I wanted to add for anyone else in this situation: I called my previous employer's HR department to get a written statement confirming my final YTD Social Security wages. Even though it's on my final paystub, having that additional documentation felt helpful for my new employer's records. They were very understanding and provided it immediately. I'm planning to meet with my new company's HR team next week with the comprehensive packet approach several people mentioned. Based on all the success stories shared here, I'm feeling optimistic about getting this resolved quickly. Thank you to everyone who took the time to share their detailed experiences and practical advice. This thread should honestly be required reading for anyone dealing with mid-year job changes after hitting the SS cap. The combination of technical knowledge and real-world implementation tips has been incredible!

I'm currently facing this exact situation after hitting the SS cap in September and starting a new job in November. This thread has been absolutely incredible - the level of detailed, practical advice from everyone's real experiences is amazing! One thing I wanted to add that I learned from my tax attorney: if you're in a high-income bracket and dealing with both SS overwithholding AND the Net Investment Income Tax (NIIT), make sure your withholding adjustments don't accidentally create an underpayment situation for NIIT. The 3.8% NIIT applies to investment income when your modified AGI exceeds certain thresholds, and it's not subject to withholding like regular income. I almost made the mistake of being too aggressive with reducing my income tax withholding to offset the SS overwithholding, which could have left me short on my total tax liability when factoring in NIIT. The IRS withholding estimator that everyone recommends doesn't account for NIIT, so if you have significant investment income, you might need to be more conservative with your adjustments. Also wanted to echo what others said about acting quickly - I let this slide for two weeks after starting my new job and already have over $600 in unnecessary SS overwithholding. Definitely creating that comprehensive documentation packet this weekend and meeting with HR first thing Monday morning. This community's willingness to share detailed experiences and solutions is truly remarkable. Thank you all for making what seemed like an impossible tax situation feel totally manageable!

Just throwing this out there - I made the mistake of NOT including Form 5329 with my tax return in a similar situation (had already mailed it separately). Ended up getting a confusing notice from the IRS 6 months later suggesting I hadn't requested the waiver at all! Had to call and explain everything all over again. Better to include all relevant forms with your tax return, even if redundant. Makes your return complete and consistent. TurboTax is actually doing you a favor by generating it correctly!

Based on all the discussion here, I'm convinced that including the Form 5329 with your tax return is the right move, even though you already submitted one separately. The consistency between both forms (showing the missed RMD amount and requesting the penalty waiver) actually strengthens your case. What really helped me understand this was seeing how other people handled similar situations. The key seems to be that the IRS systems are designed to handle these types of duplicate submissions, and having the form included with your complete tax return creates a more comprehensive record. Since TurboTax is generating the form correctly with the proper notation (missed RMD amount to the side of line 54 and "0" on line 54), I'd go ahead and include it. The worst case scenario is redundancy, which is much better than having an incomplete return that might trigger confusing notices later. Your situation with the December payment not clearing until January is a classic example of reasonable cause, so documenting it consistently across both submissions should work in your favor for the penalty waiver.

One thing nobody's mentioned yet - if you file for an extension and pay what you think you'll owe, you'll avoid the late filing penalty (which is much higher than the late payment penalty). The late filing penalty is 5% of unpaid taxes for each month your return is late, while the late payment penalty is just 0.5% per month.

Your plan is actually quite sound! As someone who's been through similar complexity with multiple 1099s and investment income, I'd suggest one additional consideration: make sure you're calculating your estimated payments correctly if you switch from accrual to cash accounting mid-year. The accounting method change can affect not just your current year taxes, but also create a Section 481(a) adjustment that might spread over multiple years. This could impact your estimated payment calculations for the rest of 2024. Also, regarding those K-1s - many partnerships and REITs routinely file extensions themselves, so don't be surprised if some don't arrive until September. Having that extension in place gives you flexibility to incorporate them into a superseding return rather than dealing with multiple amendments. One tip: keep detailed records of all your estimated payment calculations and the reasoning behind them. If you do face any underpayment penalties later, having documentation that shows you made reasonable estimates based on available information can help if you need to request penalty relief. The superseding return approach is definitely the way to go in your situation. Just make sure to file it before your extended deadline to maintain that advantage over an amended return.