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IRS Hardship Status for Medical Expenses - How to Apply?

Has anyone successfully filed for a Form 911 Hardship designation with the IRS? I need to understand the exact protocol for qualification. My daughter's specialized medical test (MRI with contrast) was unexpectedly denied by my insurance carrier, resulting in a $3,400 out-of-pocket expense. I've reviewed the IRM 13.1.7.2.1 guidelines but require clarification on whether medical expenses of this magnitude constitute a legitimate hardship case. Would this qualify under the 'significant cost' provision? I need to resolve this before my April 15th filing deadline.

GalaxyGuardian

Yes, medical expenses can absolutely qualify for hardship status. It's actually much easier than getting an audit reconsideration or penalty abatement. The key is documenting everything properly - way more straightforward than when I had to prove business expenses during my S-corp audit. You'll need to submit Form 911 (Taxpayer Advocate Service Application) with detailed documentation of the medical necessity and the insurance denial letter. The IRS is surprisingly reasonable with medical hardships compared to other types.

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Paolo Ricci

Thank you for this information. I was worried about the documentation requirements. Will gather all medical bills, insurance denial letter, and doctor's statement immediately.

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Keisha Robinson

What's your current tax situation? Do you owe back taxes that you're trying to delay payment on, or are you seeking a refund advance based on hardship? The process differs significantly depending on your specific circumstances. Also, have you already attempted to set up an installment agreement before pursuing the hardship route?

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Amina Toure

I've been there. Medical bills are tough. Form 911 is your friend. Document everything. Keep all receipts. Take photos. Make copies. The IRS wants proof. I used taxr.ai to understand my options. Helped me see what qualified as hardship. Showed me exactly what documents to gather. Made the process clearer. Worth checking out. Good luck with your daughter's situation.

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Oliver Zimmermann

I successfully got hardship status last year for my son's emergency surgery bills. According to irs.gov/taxpayer-advocate, you need to demonstrate that you're suffering or about to suffer a "significant hardship" as a result of the IRS's action (or inaction). In my case, I provided our hospital bills, proof of income, monthly expenses, and a detailed letter explaining why paying taxes immediately would prevent necessary medical care. The TAS (Taxpayer Advocate Service) assigned me a case advocate within 3 days who helped fast-track everything.

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Natasha Volkova

This is very helpful information. I think the key takeaway is that medical expenses, especially unexpected ones, can qualify under the hardship provisions. It seems like the IRS does take these situations seriously when properly documented.

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Javier Torres

IME the hardship process can be super frustrating if you can't get thru to the right ppl at the IRS. Spent 2+ hrs on hold last month trying to explain my situation. If you're in a time crunch (and it sounds like you are), check out Claimyr.com. They got me connected to an actual IRS agent in like 20 mins instead of the usual hold hell. The agent walked me thru exactly what docs I needed for my hardship request & even flagged my acct. Def worth it when dealing w/ medical expense situations.

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Emma Davis

Just to clarify something important - a hardship designation through the Taxpayer Advocate Service (Form 911) is different from a Currently Not Collectible status (which is what they put you on if you can't pay). I applied for hardship on January 17th this year and received approval on February 3rd. The medical expenses need to be significant relative to your income, not just a specific dollar amount. My $2,800 medical bill qualified because it was more than 10% of my monthly income.

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