The Premium Tax Credit verification process requires manual review by an IRS examiner, which is why it takes longer than standard processing. When faxing your Form 8962 and Form 1095-A, ensure you're using the correct fax number from your notice (typically CP12C or Letter 0012C). The processing timeframe after receipt is generally 6-8 weeks, though current backlog conditions may extend this slightly. Don't worry though - this is a routine verification, not an audit.

I just went through this same verification process last month! Here's my timeline to give you a realistic expectation: I received the CP12C notice on February 5th, faxed my 8962 and 1095-A on February 8th, called to confirm receipt on February 15th (they had it), and finally received my refund on March 25th - so about 7 weeks total from when they confirmed receipt. The most stressful part was not knowing if they actually got my fax, so definitely call to confirm within a week or two. Also, make sure your 1095-A matches exactly what you put on Form 8962 - any discrepancies will cause additional delays. Good luck!

Has anyone actually had success approaching their nanny family about this after the fact? I'm in the same boat and worried about creating an awkward situation or even losing my job if I bring it up.

I'm dealing with a similar situation right now! Reading through all these responses has been really helpful. It sounds like the consensus is that you should definitely push for proper W2s since you're clearly an employee, not a contractor. From what I'm gathering, your best options are: 1. Approach the families with educational materials about household employment laws 2. If they refuse, file Form 8919 to report the wages and avoid overpaying self-employment tax 3. Consider Form SS-8 if there's a dispute about worker classification The point about losing $2,500+ by filing as self-employed really hit home - that's a huge amount! I think I'm going to try the educational approach first with my family, and if that doesn't work, I'll look into those IRS forms or maybe one of those services people mentioned to get proper guidance. Thanks everyone for sharing your experiences - it's reassuring to know I'm not alone in this situation and there are actual solutions available!

The Taxpayer Advocate Service can sometimes help if you're experiencing financial hardship due to not receiving your refund. Their number is 1-877-777-4778, and they might be easier to reach than the main IRS line.

Another option that's worked for me - if you have a local IRS Taxpayer Assistance Center (TAC) near you, you can schedule an appointment through the IRS website. Sometimes it's faster than trying to get through on the phone, especially if your issue requires looking at documents. You'll need to bring all your tax paperwork, but at least you're guaranteed to talk to someone face-to-face. You can find locations and schedule at irs.gov/help/contact-your-local-irs-office.

Don't forget to check if your state has additional tax benefits for hurricane victims! Florida has some additional tax benefits that can help rental property owners affected by hurricanes. The state property tax relief programs sometimes get overlooked when everyone's focused on the federal tax implications. Your county property appraiser might have programs to reassess your property value after the hurricane damage which could lower your property taxes.

I went through something very similar with my rental property in Orlando after Hurricane Ian. The key thing that helped me decide between Schedule E and Form 4684 was looking at my overall tax situation for the year. Since you mentioned you're out $7,500 after insurance, that's a significant amount that could really benefit from the casualty loss treatment on Form 4684, especially if you have other income that could absorb the loss. The casualty loss route also gives you more flexibility with carryforward provisions if the loss exceeds your rental income. One thing I learned the hard way - make sure you document EVERYTHING. Take photos of the damage before any repairs start, keep all contractor estimates (even the ones you didn't use), and track every penny you spend on materials if you do any work yourself. The IRS is pretty reasonable about hurricane damage claims, but they want to see proper documentation. Also, don't forget about potential FEMA reimbursements or SBA disaster loans - these can affect how much you can actually claim as a loss, so factor those into your calculations even if you haven't received them yet.

For anyone still wondering, I just went through this process for my visa application to the UK. Here's what worked for me: 1. For the most recent year (2024 taxes), I was able to go back into TaxAct and download the full return which included the Form 9325 equivalent. 2. For older years (2022-2023), I couldn't access my old TaxAct account, so I got Tax Return Transcripts from the IRS instead. 3. I included a brief cover letter explaining that the Tax Return Transcripts serve as official IRS confirmation that my taxes were filed and processed for those years. The visa was approved without any issues. From what the visa officer told me, they're mainly looking for proof that you've been tax compliant for the specified years, not specifically for Form 9325.

I'm dealing with this exact same situation right now! Just wanted to add that if you're using TurboTax, there's actually a specific way to find your Form 9325. After logging into your TurboTax account, go to "My Account" then "Tools" and look for "Prior Year Products." When you download your return, make sure you're downloading the "Complete PDF" version, not just the tax return itself. In my case, the Form 9325 was actually embedded in the very last pages of the complete PDF package. It wasn't a separate document but was included as part of the full filing package. The form shows your electronic filing PIN, date of acceptance, and confirmation that the IRS received your return electronically. Also, for anyone whose visa appointment is really soon - some embassies will accept a signed statement from your tax preparer (if you used one) confirming that your returns were e-filed and accepted. Obviously this won't work if you self-prepared, but it's worth checking if your embassy accepts this alternative documentation. Good luck with your visa application! I know how stressful this process can be when you're missing what seems like a critical document.