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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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Aaron Lee
One thing nobody mentioned yet - you need to file the returns with "DECEASED" written across the top and the date of death. Also, you should be filing Form 1040 with Form 1310 (Statement of Person Claiming Refund Due a Deceased Taxpayer) if you're not the surviving spouse. For investment accounts, if they were small, you might receive 1099-B forms in the mail in January/February for the tax year. If not, try contacting banks where he had accounts to see if they have records of investment accounts. Many people have small brokerage accounts attached to their checking accounts these days.
Chloe Green
ā¢Thank you for mentioning those specific forms! I hadn't heard about Form 1310 yet. I'll definitely make sure to write "DECEASED" on the returns too. I've contacted his bank but they weren't very helpful without a court order or something official showing I have authority. I'm going to try again with his last bank statement to see if there are any transfers to investment accounts I can trace.
Aaron Lee
ā¢You're welcome. The Form 1310 is crucial - the IRS won't issue the refund without it when filing for a deceased taxpayer. And make sure you're using your uncle's final address on the return, which sounds like it should be the State B address where he actually lived. For the bank issues, you might need to get Letters Testamentary or Letters of Administration from the probate court, depending on your state's processes. Even for small estates, many states have a simplified probate process that gives you the legal authority you need. Without those documents, financial institutions are legally restricted in what information they can share, even with family members.
Be careful about the state residency issue. My cousin filed for my aunt using the wrong state and ended up with penalties from both states! State B will probably consider your uncle a resident if that's where he actually lived, especially if he had utility bills, a driver's license, or was registered to vote there. If possible, look for these documents to determine his legal domicile: - Driver's license - Voter registration - Utility bills - Property tax statements - Car registration The state where most of these documents point to is likely his legal residence for tax purposes.
This is so true! My brother got hit with double taxation when he tried to file my dad's taxes incorrectly. Both Michigan and Indiana came after him because dad worked in one state but lived in the other. It was a complete mess to untangle.
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Make sure you check if any of your transactions qualify for special tax treatment before you report them all as non-ECI on your attachment. Some foreign income might qualify for treaty benefits or exclusions depending on the country. I made that mistake and ended up overpaying my taxes significantly last year.
Aisha Khan
ā¢Can you give an example of the special treatment you're talking about? I have income from Canada and want to make sure I'm not missing anything.
For Canadian income specifically, you should check the US-Canada tax treaty to see if your type of income qualifies for reduced withholding or special classification. For example, certain royalties from Canada are subject to a maximum 10% withholding rate rather than standard rates. Also important for Canadian transactions - if you have income from Canadian retirement accounts, there are specific reporting requirements and potential treaty benefits. Some Canadian investment income might not need to be on Schedule NEC at all if it meets certain treaty qualifications. Review Article XI and XII of the treaty for investment income and royalties.
Ethan Taylor
Has anyone tried using TurboTax for handling excess Schedule NEC transactions? Does it have a way to add the extra transactions or do I need to create a separate statement no matter what software I use?
Yuki Ito
ā¢TurboTax Premium with the foreign tax package can handle additional non-ECI transactions. It automatically creates the attachment when you exceed the limit. I've used it for the past two years with no issues.
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Another approach is to make sure you satisfy one of the safe harbor provisions. If you pay 100% of last year's tax liability (or 110% if your AGI was over $150k), you won't face underpayment penalties regardless of how much you actually end up owing for 2025. If your 2024 total tax was relatively low, this might be an easier target than trying to estimate your 2025 liability perfectly.
Oliver Weber
ā¢How would I calculate that 100% of last year's tax liability? Is that just the total amount on my 2024 return, or some specific line number?
Look at your 2024 Form 1040, line 24. That's your "total tax" - the number you need to meet or exceed through withholding and/or estimated payments to satisfy the safe harbor provision. If that amount was $10,000, for example, then as long as you have at least $10,000 withheld or paid via estimated payments for 2025, you won't face any underpayment penalties - even if your actual 2025 tax liability ends up being much higher due to your combined income sources.
Omar Zaki
Don't forget about state taxes too! Everyone's talking about federal, but depending on your state, you might need to make separate estimated state tax payments. Some states have different rules than the IRS about withholding coverage.
Chloe Taylor
ā¢Good point! In California they're super strict about quarterly payments for self-employment income. I got hit with a penalty even though I paid everything by tax day.
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Liam Brown
Have you considered a 1031 exchange? If you're interested in owning other investment property, you could defer ALL the capital gains taxes by purchasing another investment property of equal or greater value. There are strict timelines though - you need to identify potential replacement properties within 45 days and complete the purchase within 180 days of selling your lake house.
Arjun Kurti
ā¢Would the 1031 exchange work even though this was inherited property that I've been using personally as a vacation home? I was under the impression those were only for investment properties.
Liam Brown
ā¢You're right to question this - a 1031 exchange would not work in your situation. For a property to qualify for a 1031 exchange, it needs to have been held for productive use in a trade or business or for investment purposes. A personal vacation home that's not rented out wouldn't qualify. If you had been renting it out consistently when not using it personally, there might be a partial argument, but from your description, this sounds like a purely personal-use vacation property which wouldn't be eligible for 1031 treatment.
Don't forget about state capital gains taxes too! The federal long-term rate might be 15% for you, but depending on your state, you could owe additional state taxes on the gain. Some states tax capital gains as regular income.
Noah Lee
ā¢This is so important! I sold property in California last year and was shocked at the additional 9.3% state tax on my capital gains. Nearly doubled my tax bill from what I was expecting.
Zoe Walker
Most companies these days structure these as taxable cash payments because the formal HRAs require a lot more administration and paperwork. You can easily check by looking at your first paystub after the reimbursement kicks in - if they're withholding taxes from it, there's your answer! Also worth asking if they offer a Section 125 Cafeteria Plan instead, which can make these benefits pre-tax. But honestly, even with taxes taken out, $375/month is still free money if you're already covered elsewhere.
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Elijah Brown
ā¢Can you explain what a Section 125 Cafeteria Plan is? Never heard of this before. Is this something I should specifically ask my HR about?
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Zoe Walker
ā¢A Section 125 Cafeteria Plan (named after the section of the tax code) allows employees to pay for certain benefits with pre-tax dollars. It's essentially a menu of benefit options where you can choose between taxable benefits (like cash) and non-taxable benefits (like health insurance, FSAs, etc.). Yes, definitely ask your HR if they have this plan option. If they do, and you opt for the cash option within this plan, it might be structured in a way that reduces your tax burden. But be aware that most small to medium companies don't have this set up because it's administratively complex. Still worth asking though!
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Maria Gonzalez
My company does this too! They call it a "health stipend" and deposit $400/month into my checking account for waiving coverage, but they absolutely do withhold taxes on it. It shows up on my paystub as "Benefit Waiver Pay" and gets taxed just like regular income. I did the math and even after taxes, I still come out ahead by about $3200/year by staying on my wife's insurance and taking the taxable payment. Just be prepared that $375/month will probably be more like $250-275 after taxes depending on your tax bracket.
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Natalie Chen
ā¢This matches my experience too. My employer gives $320/month for declining their insurance, and it's definitely taxed. Shows up as "Benefit Opt-Out Pay" on my paystub.
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