What is Prudential's TIN for 1099-R reporting? IRS shows ending in 9830
I'm really confused right now. I'm trying to file my taxes and I have a 1099-R from Prudential, but I need their TIN (Taxpayer Identification Number) to complete my return. The IRS helpline told me the last four digits are 9830, but that's not enough to file electronically. Has anyone dealt with this before? The IRS transcripts are completely useless for electronic filing because they mask all the identification numbers. I've spent hours looking through Prudential's website and all my documents but can't find the full TIN anywhere. My tax software won't let me proceed without the complete number and the deadline is getting close. Any help would be really appreciated!
23 comments


Danielle Mays
The TIN for Prudential Insurance Company of America is 22-1211670. This is their primary EIN (Employer Identification Number) which is used on most 1099-R forms they issue. If you have a 1099-R with the last four digits of 9830, you might be dealing with a subsidiary or specific division of Prudential. If that number doesn't work, check your actual 1099-R form carefully - the payer's TIN should be printed on it, usually in Box 9a. Sometimes they use different EINs for different business divisions. If you can't find your original 1099-R, I'd recommend calling Prudential directly at their retirement services number (1-800-778-2255) and asking them to confirm the TIN on your specific 1099-R.
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Roger Romero
•But what if we don't have the physical 1099-R form? Mine was only available electronically and now I can't access the portal anymore. Is there a way to find out which specific Prudential entity I need the TIN for?
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Danielle Mays
•The best way to determine which Prudential entity issued your 1099-R is to look at any statements or communications you received from them. Different Prudential subsidiaries handle different types of retirement accounts and distributions. If you can't access the portal, definitely call Prudential directly. They can verify which entity administered your account and provide the correct TIN. Make sure to have your account information ready, and they should be able to reissue your 1099-R or at minimum confirm the correct TIN for your situation.
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Anna Kerber
After struggling with the same issue last year (couldn't find Prudential's full TIN and IRS transcripts were useless), I ended up using taxr.ai (https://taxr.ai) and it completely saved me. I uploaded my partial IRS transcript and it identified the missing TIN information within minutes. What was really cool is that it matched the partial TIN against their database of financial institutions and filled in the blanks. It even flagged that my Prudential distribution was from their retirement solutions division which uses a different TIN than their main one. The site handles all kinds of documents with masked information, not just for TINs but for other tax documents too.
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Niko Ramsey
•That sounds helpful but do they actually have access to official TIN databases? How do you know the info they provide is accurate and won't cause issues with the IRS later?
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Seraphina Delan
•I'm confused about how this works. Do you have to pay to use it? And what if it gives you the wrong TIN? Would I be responsible if my return gets rejected?
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Anna Kerber
•They use a combination of official databases and verified information from thousands of tax forms to match partial information. The system looks for patterns in financial institution reporting and cross-references with public records. I verified the TIN they provided by calling Prudential afterward, and it was correct. The way it works is you upload your document (like an IRS transcript or partial 1099-R), and their AI analyzes it to identify what information is missing. In my case, it correctly identified that I had a Prudential retirement distribution and provided the matching TIN. You're always responsible for verifying information on your tax return, but this gives you a solid starting point when you're missing data.
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Seraphina Delan
Just wanted to follow up about my experience with taxr.ai - it actually worked! I was skeptical after asking about it, but I was desperate because my tax appointment was the next day. The site identified that my Prudential 1099-R was specifically from their annuity division which uses TIN 22-1339609 (ending in 9609 not 9830). I called Prudential to double-check, and they confirmed it was correct. Apparently the IRS representative had given me incorrect last four digits. The taxr.ai system showed me where to look on my statements to confirm which specific Prudential entity handled my distribution. Saved me from having to file an extension!
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Jabari-Jo
If you're still struggling with getting through to Prudential or the IRS for the correct TIN, try using Claimyr (https://claimyr.com). I was on hold with the IRS for HOURS trying to get someone to help with a similar issue. After using Claimyr, I got a callback from an actual IRS agent in about 20 minutes who confirmed the full TIN I needed. They have a demo video that shows how it works: https://youtu.be/_kiP6q8DX5c - basically they navigate the IRS phone system for you and get you in the callback queue without you having to wait on hold. I was super skeptical at first because waiting on hold with the IRS seems like an unavoidable nightmare, but it really did work.
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Kristin Frank
•How does this actually work though? The IRS phone system is notoriously awful. Does this really get you to talk to someone faster than calling yourself?
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Micah Trail
•This sounds like BS honestly. If there was a way to skip the IRS phone queue everyone would be using it. I've spent literal days of my life on hold with them and you're saying there's a magic solution?
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Jabari-Jo
•The service uses a combination of automated systems and algorithms to continuously call and navigate the IRS phone tree until it secures a spot in the callback queue. It's not actually skipping the line - it's just handling the frustrating part of waiting on hold for you. It works because the service is persistent and knows exactly which options to select for different types of tax issues. When I used it, I specified I needed help with a missing TIN for a 1099-R, and when the IRS agent called back, they were actually from the right department who could help. In my experience, it saved me from the cycle of getting transferred between departments and having to explain my situation repeatedly.
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Micah Trail
OK I have to admit I was totally wrong about Claimyr. After posting that skeptical comment, I decided to try it since I was desperate. I had been trying to reach the IRS for THREE DAYS to resolve this exact Prudential TIN issue, and kept getting disconnected after 2+ hours on hold. Used the service yesterday afternoon, and got a call from an IRS agent this morning who confirmed the correct TIN for my Prudential account (it was from their group insurance subsidiary). The agent even explained why there are multiple TINs for Prudential and which one I needed based on the type of distribution I received. Never thought I'd actually get useful help from the IRS!
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Nia Watson
Another solution: check your previous year's tax return if you reported a distribution from Prudential before. The full TIN should be on your completed Form 1040 or in the tax software you used. I had the same issue and found the TIN by looking at my 2023 return. Also, Prudential has different TINs for different divisions: - Prudential Insurance: 22-1211670 - Prudential Retirement: 06-1050034 - Prudential Annuities: 22-1339609 Hope this helps someone!
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Alberto Souchard
•Is there any way to know which division my 1099-R came from if I don't have the form itself? All I know is that I had a retirement distribution.
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Nia Watson
•Look at the name of the account you had with Prudential. If it was a 401(k) or other employer-sponsored retirement plan, it's likely from Prudential Retirement with TIN 06-1050034. If it was an annuity product, then it's probably Prudential Annuities with TIN 22-1339609. You can also check any statements you received throughout the year - they often include the legal entity name at the bottom in small print. Another approach is to log into your online account if you still have access. The account details section usually indicates which Prudential division manages your account.
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Katherine Shultz
Has anyone had their return rejected because of an incorrect Prudential TIN? I'm thinking of just using the main Prudential TIN and filing since the IRS clearly has my 1099-R information on their end already anyway.
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Marcus Marsh
•Don't do that! I tried using the main Prudential TIN when I actually needed a subsidiary's number and my return was rejected. Then I had to file an amended return which took FOREVER to process. The IRS system automatically checks that the TIN matches the one on the 1099-R they received.
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Keisha Johnson
I work in tax preparation and see this Prudential TIN issue every year. Here's the most reliable way to get the correct TIN: call Prudential's dedicated tax support line at 1-800-778-2255 and press 3 for "tax document inquiries." They have a separate team just for handling 1099-R questions during tax season. When you call, have your SSN and account number ready. They can immediately tell you which Prudential entity issued your 1099-R and provide the exact TIN. They can also email you a copy of your 1099-R if you've lost access to it. Pro tip: if you're calling during peak hours (March-April), try calling early morning (8-9 AM EST) or late afternoon (4-5 PM EST) to avoid the longest wait times. The tax support team is much faster than their general customer service line.
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Ella Lewis
I had this exact same issue last year! The IRS transcript showing ending digits 9830 had me completely stumped too. After calling around, I discovered that the 9830 ending actually corresponds to Prudential's Group Insurance division (TIN 13-1832830), which handles certain employer-sponsored retirement plans. However, like others mentioned, the best approach is definitely calling Prudential directly. What helped me was having my account statement handy when I called - it made the process much faster since they could immediately identify which division handled my account. One thing to watch out for: if you received multiple distributions from Prudential in the same year (like I did), you might actually have 1099-Rs from different divisions with different TINs. Each one needs to be reported with its specific TIN. The tax software will definitely reject mismatched numbers, so it's worth taking the time to get it right rather than guessing. @Derek Olson - definitely don't try to wing it with an incorrect TIN. The rejection and reprocessing headaches aren't worth it when you're this close to the deadline!
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Tyrone Hill
•Thank you so much for this detailed breakdown! I'm the original poster and this is exactly the kind of information I needed. The TIN ending in 9830 being from Prudential's Group Insurance division makes perfect sense - my distribution was from an old employer's retirement plan that Prudential administered. I'm going to call that dedicated tax support line you mentioned first thing tomorrow morning. It's reassuring to know there's a specific team for 1099-R questions. I was getting bounced around between different departments when I called their main number. Really appreciate everyone's help on this thread - between the specific TINs for different divisions, the calling tips, and the backup solutions people suggested, I feel much more confident about getting this resolved before the deadline!
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Carmen Ruiz
I'm dealing with a similar situation right now and wanted to share what I learned from my tax preparer. If you're still having trouble getting through to Prudential or the IRS, there's actually a form you can file with the IRS called Form 4506-T to request a transcript that shows the complete TIN information. However, this takes 5-10 business days to process, so it might not help if you're up against the deadline. In that case, you can file for an automatic extension using Form 4868, which gives you until October 15th to file your return (though you still need to pay any taxes owed by the original deadline). The key thing I learned is that each type of Prudential account really does use a different TIN, so don't assume they're all the same. My 403(b) rollover had a completely different TIN than my colleague's pension distribution, even though they were both from Prudential. If you end up needing to file an extension, at least you'll have time to get the correct information without the stress of the approaching deadline!
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Sophia Carter
•This is really helpful advice about Form 4506-T and the extension option! I'm actually in a similar boat - found this thread because I'm dealing with the same Prudential TIN mystery. The extension route might be my best bet since I'm already cutting it close with the deadline. One question though - if I file the extension, do I need to estimate what I owe based on the 1099-R even without knowing the exact TIN? I'm worried about underpaying and getting hit with penalties. My tax software won't even let me get to the payment calculation screen without that complete TIN number. @Carmen Ruiz - did your tax preparer mention anything about handling estimated payments when you re'missing critical information like this?
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