So does this mean I definitely have to file an amended return? I'm still waiting on my refund to come through and I'm worried this is going to create a huge mess.

Yes, you'll need to file an amended return since you claimed a deduction you weren't eligible for. Form 1040-X is what you'll need to submit. The sooner you do this, the better, as penalties and interest can accrue on any additional tax you end up owing. I would recommend not waiting for your original refund to come through before filing the amendment. The IRS is experiencing significant delays this year, and the longer you wait, the more complicated it could become. If your original refund does arrive, you'll likely need to return some portion of it when your amended return is processed.

This is good advice. I work at a financial institution, and while the April 15 deadline is generally firm, there are occasionally extenuating circumstances or specific situations where other options might be available. It's always worth asking.

Where do you find this form? I looked on the healthcare.gov site and couldn't locate an EO-001 form.

I tried this route once and the insurance company told me they couldn't help with 1095-A forms since those come directly from the Marketplace. They only deal with 1095-B forms for non-Marketplace coverage they provide. They did suggest contacting my state's Department of Insurance consumer assistance program, which surprisingly was helpful in escalating my case with the Marketplace. Might be worth trying if you're hitting walls with the regular channels.

Thanks for sharing your experience! Did you file the amended 941-X forms yourself or use an accountant? Did the IRS contact you for additional information after you filed?

I used our regular farm accountant to file the 941-X forms. I wouldn't recommend trying to do it yourself unless you're very familiar with payroll tax filings - there are some tricky calculations involved. The IRS did contact us about 4 months after filing for additional documentation. They specifically wanted proof of the government orders we were subject to and documentation showing how those orders impacted our operations. We had prepared for this and had saved all the relevant county health department orders plus our own written policies we implemented in response. They accepted our documentation without issue and processed the refund about 2 months later.

From what I've heard, the IRS has definitely increased scrutiny on ERTC claims. They announced it as an enforcement priority last fall. Farms seem to be getting extra attention because many agricultural operations didn't actually have government-mandated shutdowns like retail or restaurants did.

The transcript trick is legit. Go to irs.gov and search for "Get Transcript Online." You'll need to create an account if you don't have one (they verify your identity with credit report info). Look for the Account Transcript for 2024 once you're in. Check for codes like 846 (refund issued) or 570/971 (hold/notice).

Nope, I'm not claiming either of those. Just a standard return with W-2 income. Thanks for the suggestion though! I'm just going to be patient based on what everyone is saying. Seems like this is pretty normal even though it's frustrating.

1 But if the money is going directly to my US account, would I still need to file an FBAR? I won't actually have a foreign account at all in this transaction - the buyer is wiring the money directly to my account in America.

23 You're right that if the money goes directly to your US account and you never have it in a foreign account, you wouldn't trigger FBAR requirements based on this specific transaction. However, be careful about any other foreign accounts you might have, even temporarily. For example, if you have a foreign account set up to handle any aspect of the sale closing, or if there's an escrow account in the foreign country that you have signature authority over, even briefly, that could potentially trigger FBAR requirements if the amount exceeds $10,000.

16 You might have missed something. Even without a tax treaty, you can usually claim a Foreign Tax Credit on Form 1116 for taxes paid to foreign governments on the same income. Did your tax preparer look into this? It doesn't eliminate all double taxation but should have reduced your US tax liability.