Has your wife tried talking to her employer directly about this before filing the SS-8? Some companies genuinely don't understand the classification rules and might fix it voluntarily if approached. I was misclassified a few years ago, and when I explained the issue to my boss with some printouts from the IRS website, they actually reclassified me and issued a W-2 instead. Saved a lot of hassle with forms and waiting for IRS determinations.

You're absolutely right to file the SS-8 and 8919 forms - this is exactly the situation they're designed for. Based on what you've described about your wife's work arrangement, she clearly meets the common law test for employee status. A few key points to keep in mind: 1. You'll report the 1099-NEC income on your return, but the Form 8919 will calculate the correct employee share of Social Security and Medicare taxes (7.65% instead of the full 15.3% self-employment tax). 2. For the reason code on Form 8919, use code G since you're filing the SS-8 first and waiting for determination. 3. Make sure to keep copies of everything and consider certified mail for the SS-8 filing to have proof of submission. 4. The SS-8 process typically takes 3-6 months, but filing the 8919 with your current return protects you from overpaying taxes while you wait. The fact that she has an employee handbook to follow while being classified as a contractor is particularly strong evidence in your favor. Good luck with the process!

I went through almost the exact same situation last year! The key is to carefully review every single health insurance question in your tax software. What likely happened is that somewhere in the process, you accidentally indicated that you either: 1. Had Marketplace coverage 2. Received advance premium tax credits 3. Expected to receive a 1095-A form Even if you think you answered everything correctly, go back through each healthcare-related screen one by one. Sometimes the software auto-fills answers based on previous responses, or there might be a confusing question that you interpreted differently than intended. Also, make sure you're selecting the right option for your actual coverage situation. If you had other insurance (employer, spouse's plan, etc.), select that. If you had no coverage at all, there should be an option for that too. Once you find and fix the incorrect answer, your return should go through without needing a 1095-A. The rejection happens because the IRS computer system sees a mismatch between what your return claims and what forms they expect to receive.

This is such a frustrating situation, but you're definitely not alone! I had a similar issue where my return kept getting rejected for a missing 1095-A even though I never enrolled in Marketplace coverage. One thing that helped me was using the IRS Interactive Tax Assistant tool on their website (irs.gov/help/ita). There's a specific section about health coverage reporting that walks you through exactly what to enter based on your situation. It helped me identify that I was incorrectly answering a question about "minimum essential coverage." Also, if you're still stuck after checking all the healthcare sections in your tax software, you might want to try switching to a different tax preparation program temporarily. Sometimes the way questions are worded varies between software, and what's confusing in one program might be clearer in another. The good news is that since the individual mandate penalty is $0 at the federal level, there's no financial penalty for having no coverage - you just need to make sure your return accurately reflects your actual situation.

Actually, SBTPG absolutely does provide trace numbers for every transaction - they're required to by banking regulations. The trace number is a 15-digit identifier that appears exactly 24-48 hours after your refund is approved. I was surprised too by how complicated they make this! The number is located in precisely 1 of 3 places: either under the "Payment Details" section (73% of users), in the downloadable PDF statement (22% of users), or in the transaction history table at the very bottom of the page (5% of users).

I had the same issue last month and finally figured it out! The trace number isn't always in the same spot for everyone. Here's what worked for me: 1. Log into your SBTPG account 2. Look for "Transaction History" or "Payment Details" 3. If you see your refund listed, click on it for more details 4. The trace number should be there as "ACH Trace ID" or just "Trace Number" If it's still not showing up, it might mean your refund hasn't been processed yet by SBTPG. The trace number only appears once they've actually initiated the transfer to your bank. Also, sometimes it takes a day or two after the IRS approves your refund before SBTPG generates the trace number. Hope this helps! The whole system could definitely be more user-friendly.

Don't stress too much. I forgot unemployment on my 2022 taxes and the IRS just sent me a letter like 8 months later saying "we think you owe this amount" and they calculated it all for me. I just had to pay what they said plus a small interest charge. Wasn't a big deal tbh.

I'm in the exact same boat - forgot unemployment income and already filed! Reading through all these responses is super helpful. I think I'm going to try the amended return route rather than wait for the IRS to catch it, especially after seeing that you still get your original refund while the amendment processes. One thing I'm wondering about - does anyone know roughly how long amendments typically take to process? I know regular returns are pretty fast now, but I'm curious if amendments sit in a longer queue since they probably require more manual review. Also @Ryan Vasquez don't beat yourself up too much about this. Sounds like it happens to tons of people and the consequences aren't as scary as they seem at first!

I'm seeing alot of zeros on mine too. Called IRS and was on hold for 2hrs just to get hung up on 🤡

Same thing happened to me last year! All zeros across the board even though I had W2 income. Turns out the IRS was just behind on processing - took about 3-4 weeks for my transcript to update with the actual numbers. Since you mentioned self-employment income, make sure all your 1099s were filed correctly by your clients. Sometimes if there's a mismatch between what you reported and what was filed, it can cause processing delays. Don't panic yet, but definitely keep an eye on it and maybe call if it doesn't update in the next couple weeks.