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14 I'm not a tax expert, but did you switch jobs in 2024? Sometimes when you start a new job in the middle of the year, the withholding calculations get messed up because the system assumes you'll only make that amount for the full year and withholds at a lower rate. Happened to me when I started a higher-paying job in July - they weren't withholding nearly enough because the payroll system prorated my annual income.
1 I didn't switch jobs, but I did get a significant raise in March 2024. Maybe that affected the calculations? My salary went from about $75,000 to $82,500, so it was a pretty big jump. Could that have messed up the withholding calculations? I'm wondering if my employer's payroll system just didn't adjust properly.
5 Did you check if your employer might have classified too much of your income as non-taxable benefits? Sometimes if you have a lot of pre-tax deductions like health insurance, HSA, dependent care FSA, or retirement contributions, it can significantly reduce your taxable wages, which would result in less withholding. Might be worth checking your paystubs to see if there's anything unusual in how your taxable wages were calculated.
1 I did start maxing out my 401k contributions this year, which is about $22,500. And I also contribute to an HSA ($3,850) and have health insurance premiums taken out pre-tax (about $4,500 annually). So that's around $30,850 in pre-tax deductions. Would that be enough to cause such a dramatic reduction in withholding? My total federal withholding for the entire year was only $1,250 which seems incredibly low even with those deductions.
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For what it's worth, your situation screams "the company is not reporting these payments to the IRS." Companies that pay contractors properly don't dodge providing 1099s - it's literally a basic business function. Here's what I think is happening: They're either classifying these payments as something else in their books or they're not recording them properly at all. Either way, it likely means they're trying to reduce their tax liability by not properly documenting contractor payments. As others have said, you MUST report your income regardless. I'd strongly recommend keeping documentation of your attempts to get the 1099 from them. Take screenshots of emails or texts where you're requesting the form. This creates a paper trail showing you were trying to comply properly.
That's what I'm afraid of. Do you think there's any chance the IRS would come after me if the company is doing something sketchy, even if I report all my income correctly?
If you accurately report all your income, you're protecting yourself regardless of what the company does. The IRS is generally more interested in people who don't report income than in those who report it correctly, even when there are discrepancies in how it's documented. Keep detailed records of all payments you received, your communications with the company requesting the 1099, and any business expenses related to this work. If questions ever arise, these records show you acted in good faith and tried to do everything properly. The company would be the one with potential problems for failing to issue required tax forms and potentially misclassifying payments in their accounting.
One thing nobody's mentioned - if you've been a contractor making that much ($24k) and haven't been making quarterly estimated tax payments, you might have an underpayment penalty coming. Since no taxes are being withheld, you're supposed to be making those quarterly payments yourself. The good news is you can avoid the penalty if you owe less than $1,000 after accounting for any withholding from other jobs, or if you paid at least 90% of this year's tax or 100% of last year's tax (whichever is smaller). Just something to be aware of when filing!
This is super important advice. I got hit with a pretty significant penalty my first year of contracting because I had no idea about quarterly payments. The penalty isn't huge but definitely an unnecessary expense.
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Lilly Curtis
Just wanted to add - make sure you double-check the numbers on your 1095-A when you get it! Mine had an error last year where they reported the wrong premium amount for two months. The Marketplace had to issue a corrected form, which delayed everything. If anything looks off based on what you remember paying, call and verify before submitting your 8962 to the IRS. Common errors include: - Wrong months of coverage - Incorrect premium amounts - Missing family members on the policy - Wrong SLCSP (second lowest cost silver plan) amount
This happened to me too! My 1095-A showed I had coverage in January when I didn't sign up until February. Took almost a month to get the corrected form. Did you have to file an extension while waiting for the correction?
Lilly Curtis
ā¢I did file an extension because I was cutting it close to the April deadline. But since you already filed and are just responding to an IRS letter, you're working with their 20-day timeline instead. If you notice errors, call the Marketplace immediately and explain your situation with the IRS deadline. Sometimes they can rush a corrected form, but if not, I'd recommend sending a letter to the IRS explaining that you've requested a corrected 1095-A and will submit the 8962 as soon as you receive it. Documentation of your efforts goes a long way with the IRS.
Leo Simmons
One thing nobody mentioned yet - if your actual income ended up being significantly higher than what you estimated when you enrolled in your marketplace plan, be prepared that you might have to pay back some or all of your premium tax credit when you file Form 8962. I learned this the hard way last year when I got a big promotion mid-year. My income went up about 35%, which pushed me into a different affordability bracket. Had to repay about $1,800 of the premium tax credits I'd received. Just a heads up so you're not shocked when you do the calculations.
Oh no, that's exactly what I'm worried about. I did pick up some freelance work midyear that wasn't part of my original income estimate. Is there any cap on how much they can make you repay? I'm seriously stressing now.
Leo Simmons
ā¢There are repayment caps based on your income level, unless you end up above 400% of the federal poverty line. For tax year 2024, if you're single and your income is less than 200% of FPL, the repayment is capped at $350. Between 200-300% FPL, it's capped at $875. Between 300-400% FPL, it's $1,400. If your income went above 400% FPL, unfortunately there's no cap, and you'd have to repay all the premium tax credits you received. But don't panic yet - calculate your exact Modified Adjusted Gross Income (MAGI) first. Some deductions like student loan interest or HSA contributions can lower your MAGI and might keep you under the threshold.
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Joy Olmedo
Have you considered calling the brokerage firm where the shares were transferred from? Sometimes they maintain historical basis information even when it doesn't transfer correctly during a gift. I was able to get basis info for some gifted Microsoft shares by contacting the original brokerage, and they had records going back to 1998.
Amy Fleming
ā¢That's a great suggestion! I'll give that a try. My grandfather used the same brokerage for decades, so they might have records from when he purchased the shares originally, even if that information didn't transfer when he gifted them to me. Worth a shot before I go with a $0 basis!
Isaiah Cross
Just a heads up - don't forget to check if your grandfather ever received dividend reinvestments on these shares. Each reinvestment would have its own cost basis and holding period, so selling all the shares at once could actually be multiple transactions from a tax perspective. Makes the paperwork more complicated but could help establish at least some basis.
Kiara Greene
ā¢This is super important! My dad gave me some AT&T shares and I almost reported a $0 basis until I realized there had been like 15 years of DRIP (dividend reinvestment plan) purchases that actually had records. Ended up saving me thousands in taxes by properly accounting for all those small basis additions over time.
Amy Fleming
ā¢I'll definitely check on that. I know the company has paid dividends for years, but I'm not sure if my grandfather had them set to reinvest or if he took them as cash. That could make a big difference in the calculation. Thanks for pointing this out!
Alana Willis
One thing to check on your 1099-R - what code is in Box 7? If it's code G, that confirms it was a direct rollover, which is why the taxable amount is $0. Sometimes they use other codes like 1 or 7 that might require reporting even with $0 taxable. Also, double check if you had any tax withholding in Box 4. If they withheld any federal tax, you'd want to amend to get that money back, even if the distribution itself wasn't taxable.
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Jackie Martinez
ā¢Just double checked and it's definitely code G in Box 7, and Box 4 shows $0 withholding. Sounds like I'm all good then? Seems like everything was handled correctly by the financial institution.
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Alana Willis
ā¢Yes, with Code G and $0 withholding, you're 100% fine to leave your return as is. That's the perfect scenario for a non-taxable rollover. The Code G tells the IRS this was a direct rollover to a qualified plan, so their system should recognize it as non-taxable even though you didn't include the form. Just file the 1099-R away with your tax records and you're all set!
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Tyler Murphy
I'm going through this exact same situation right now! Just filed last week and now got a 1099-R from a small 401k I had forgotten about and rolled over. Was freaking out thinking I'd have to amend.
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Sara Unger
ā¢Don't stress about it! As long as it shows $0 taxable and has the right code (usually G for rollover), you're fine. I work at an accounting firm and see this all the time - we never amend for properly coded $0 rollovers.
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Tyler Murphy
ā¢Phew, that's a relief! Mine shows code G and zero taxable amount too. Was worried I'd have to pay someone to amend my return. Tax season is stressful enough without these last-minute forms showing up!
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