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If I could give 10 stars I would If I could give 10 stars I would Such an amazing service so needed during the times when EDD almost never picks up Claimyr gets me on the phone with EDD every time without fail faster. A much needed service without Claimyr I would have never received the payment I needed to support me during my postpartum recovery. Thank you so much Claimyr!
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Really made a difference, save me time and energy from going to a local office for making the call.
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Was a bit nervous or untrusting at first, but my calls went thru. First time the wait was a bit long but their customer chat line on their page was helpful and put me at ease that I would receive my call. Today my call dropped because of EDD and Claimyr heard my concern on the same chat and another call was made within the hour.
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An incredibly helpful service! Got me connected to a CA EDD agent without major hassle (outside of EDD's agents dropping calls ā which Claimyr has free protection for). If you need to file a new claim and can't do it online, pay the $ to Claimyr to get the process started. Absolutely worth it!
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Used this service a couple times now. Before I'd call 200 times in less than a weak frustrated as can be. But using claimyr with a couple hours of waiting i was on the line with an representative or on hold. Dropped a couple times but each reconnected not long after and was mission accomplished, thanks to Claimyr.
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I tried for weeks to get thru to EDD PFL program with no luck. I gave this a try thinking it may be a scam. OMG! It worked and They got thru within an hour and my claim is going to finally get paid!! I upgraded to the $60 call. Best $60 spent!
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- DO post questions about your issues.
- DO answer questions and support each other.
- DO post tips & tricks to help folks.
- DO NOT post call problems here - there is a support tab at the top for that :)
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12 Has anyone noticed if using different tax software gives different results too? I used FreeTaxUSA last year and TurboTax this year and got different amounts even with almost identical income.
8 YES! I tried three different software packages with the exact same numbers and got differences of up to $300. The main difference I found was in how they interpreted business expenses and handled the home office deduction. TurboTax seemed to be more aggressive with certain deductions, while H&R Block was more conservative. The differences usually came down to how the questionnaires were worded - they led me to enter slightly different information based on how they asked the questions.
12 Thanks for sharing that experience! This makes me feel less crazy about the differences I saw. I think I'm going to run my numbers through a third software just to see if there's a consensus between two of them. It's frustrating that there can be so much variation when the tax code is supposedly the same regardless of which software you use.
5 Another thing to check - are you including your quarterly estimated tax payments correctly in your calculations? I found that was throwing off my estimates by a similar amount to what you're describing.
3 This is an excellent point! I made this mistake my first year self-employed. The calculators were telling me how much tax I would owe TOTAL, but I wasn't accounting for the estimated payments I had already made during the year. So when I went to file, it looked like I owed less than the calculators said - because I had already paid some of it!
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Sienna Gomez
Did your preparer have you sign the return before filing? They're required to get your signature on Form 8879 which confirms you've reviewed the return. Always check your return before signing!
They did have me sign, but honestly I just glanced at the refund amount and signed the authorization. I didn't go through all the forms because I trusted them to do it right. Lesson learned - I'll definitely review everything carefully from now on.
Make sure you save all your communication with the preparer about fixing this issue! If the IRS ever questions you about it, having evidence that you took immediate steps to correct the error once you discovered it will help show you weren't trying to claim credits you knew you weren't eligible for.
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Just want to add something that helped me understand my 1095-C better. If you look at Line 14, there should be a code there (like 1E or 1F or something). This code tells you what type of coverage was offered. If it shows one of the offer codes but you declined, that matches your situation - they offered it, you said no thanks, but they still have to report what it would have cost you.
I see code 1E in Line 14! What does that mean exactly?
Code 1E means your employer offered you minimum essential coverage that meets the minimum value requirements, and they also offered coverage for your spouse and dependents. It's basically saying they offered you a comprehensive health plan that would have covered your whole family. But since you said you're on your spouse's plan, it makes perfect sense that you declined this coverage, even though it was offered. The form is just documenting that they met their obligation as an employer to offer suitable coverage.
Another thing to know - check your pay stubs for any "pre-tax deductions" or similar section. Sometimes health insurance contributions appear there rather than as a separate line item, which can be confusing.
Also worth noting that if you elected to contribute to an HSA or FSA, those will show up as deductions even if you declined the actual health insurance. Could that be what OP is seeing on their paystub?
Just double-checked my latest pay stub and don't see any health insurance deductions at all, pre-tax or otherwise. I do have dental and vision which I did sign up for, but no actual health insurance deductions. I guess this confirms what everyone is saying - the amount on the 1095-C is theoretical and not actually being deducted. Such a relief!
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7 Have you considered a 401k loan instead of a withdrawal? If your plan allows it, you can typically borrow up to 50% of your vested account balance (up to $50,000). The benefits are huge compared to a withdrawal: - No taxes or penalties - Repay the loan with interest to yourself - Usually 5 years to repay through payroll deductions The downside is if you leave your job, you'd need to repay the full amount pretty quickly (usually 60-90 days) or it converts to a distribution with all the penalties and taxes.
12 How does the interest work though? Like if I'm paying interest to my own account, isn't that just moving money from one pocket to another?
7 The interest works in your favor actually. When you pay interest on a 401k loan, that interest goes back into your own account. So yes, you're essentially paying yourself, which is much better than paying interest to a bank or credit card company. The interest rate is typically prime rate plus 1-2%, so around 6-8% currently. This money gets added to your 401k balance, so in a way, it forces you to contribute a bit extra to your retirement. The only real "cost" is the potential investment growth you miss out on for the money while it's out of your account.
4 Another option to consider - if you're buying your first home or have qualifying education expenses, you might be able to avoid the 10% penalty (though you'd still pay income tax on the withdrawal). Just as a data point, I took out about $3k last year for qualified education expenses and only had to pay the income tax portion.
9 Do medical bills count for avoiding the penalty? I have some medical debt I'm trying to clear.
Zainab Ismail
From a client perspective, I HATE phone calls, but I do appreciate a text or email reminder. Phone calls feel pushy and sales-y to me, especially from a business relationship that only happens once a year. I've actually switched tax preparers before because one kept calling me multiple times trying to "check in" when an email would have been fine.
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Connor O'Neill
ā¢Do you think age plays a factor in this preference? I wonder if older clients prefer the phone calls while younger ones prefer digital communication. Maybe tax preparers should note communication preferences in their systems?
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Zainab Ismail
ā¢Age might be a factor for some, but I think it's more about personality and individual preferences than a strict generational divide. I'm in my 50s and strongly prefer text/email, while my 28-year-old daughter likes talking on the phone for business matters. I think you hit the nail on the head with your second point - tax preparers should definitely ask clients about their preferred contact method and make a note in their system. A simple field in the client database would solve this whole issue. Good communication is about respecting how people want to be communicated with.
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QuantumQuester
Maybe this is an unpopular opinion, but I actually appreciate the reminder calls from my tax person. I'm super busy and taxes aren't exactly top of mind until suddenly it's April 10th and I'm panicking. Last year I got a friendly call in February from my CPA's office and it prompted me to get organized early.
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Yara Nassar
ā¢I feel exactly the same way! My tax situation is complicated with rental properties and self-employment, and I always need that nudge to start gathering documents. My preparer sends one email in January and then one phone call in February if I haven't scheduled yet. Perfect system.
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