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What Happens when your Data is Breached?

A data breach or cyber hack could involve the loss of your personal information like your social security number, credit card numbers, bank account information, email address, and/or passwords. Having personal
information compromised could have serious repercussions and can hurt businesses and consumers in a number of different ways and can be a costly expense with the potential to damage lives and reputations.

With the severe levels of harm a data breach could cause, what can you do to prevent identity theft or having your personal information stolen? Hackers are looking for any opportunity to steal your personal data at any given time. They look for any weak spots you may have in your data security in order to breach your data and use your personal information against you. Here are some of the popular ways people’s accounts are hacked:

  • Weak passwords. It is important to ensure that you are utilizing complex and unique passwords for any accounts that may hold highly sensitive information. The weaker a password it, the more open you are to potentially get hacked. 
  • Unintentionally downloading a virus. You could accidentally download a virus or malware by downloading certain software you come across. 
  • Failure to keep your security software up to date. Always be sure to check that your firewalls, anti-virus, and anti-spyware software have all been updated in order to avoid a data breach. 

With so many ways for a stranger to access your personal information, it may seem as though there is no hope to prevent any fraudulent activity from occurring. There are in fact many ways you can avoid becoming the next victim of a data breach or a cyber hack. Here are a few ways that you can protect yourself:

  • Monitor your bank accounts. Check your accounts regularly to ensure that no unauthorized charges were made to your account. It is also important to double-check that no credit cards were opened in your name and to report any changes made without your consent.  
  • Utilize a credit monitoring tool. Utilizing software that monitors your credit could potentially (the rest of this sentence is missing)
  • Try not to overshare on social media. Avoid posting pictures showing you are away on vacation or when you’re not anywhere near your home. This could potentially lead to burglars breaking into your home and stealing your personal belongings, including sensitive and personal information. 
  • Protect your phone. ake sure that you always have a password on your phone to ensure that no one else can gain access. Having a password on your phone will stop any intruders from attempting to steal credit card or password information. 
  • Halt any suspicious activity immediately. If you see suspicious activity, don’t hesitate to contact your financial institution. It could also be beneficial for you to activate your alerts so you could be notified of any fraudulent occurrences. 

It is important to build your awareness of potential security breaches and cyber hacks to ensure you avoid being the next victim. Always be sure to keep yourself up to date on all security measures to ensure that your information is not vulnerable to theft of any kind. If you believe your information has been compromised or want to learn more about it, you can visit the IRS website.

Optima Tax Relief provides assistance to individuals struggling with unmanageable IRS tax burdens. To assess your tax situation and determine if you qualify for tax relief, contact us for a free consultation.

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What Should You do if You Owe the IRS Money?

Having a tax liability with the IRS can be stressful to deal with.  It may even sound easier to avoid your debt altogether. For some taxpayers, paying back your balance to the IRS can prove to be difficult, especially if you don’t have the means to do so. You may feel as though you are backed up against a wall and that there is no hope to help resolve your current situation.  However, there are solutions to keep yourself compliant and out of collections with the IRS so you don’t have to live in constant fear that the IRS is coming after you. The IRS offers solutions for those having difficulty paying their balances in full.

Setting up a Payment Plan

It is important to first understand how much you owe. You can verify the amount owed by referring to your tax returns or by directly contacting the IRS to discuss your balance, including any tacked-on penalties and fees.  The IRS will provide you with a 433F form to fill out your income and expenses. When completing the form, be sure to exclude non-allowable expenses, such as credit card payments, pet-related expenses, or magazine subscriptions.  The IRS typically accepts payment agreements if your balance is under $10,000 and the proposed payment will pay the balance in full.  Your agreement is also required to include any accrued interest and/or penalties.

The IRS Offers Hardship Options

For those who are either unable to pay back their tax liability in full with the IRS or don’t have the ability to be on a monthly payment plan due to financial difficulty, the IRS offers hardship options. The IRS has two options available to those who need temporary relief. The first is a Currently Non Collectable agreement. The IRS will review your income, expenses, and assets to see if you are earning very little to no income. Another hardship option the IRS provides is the Partial Pay agreement. This agreement is similar to a regular installment agreement where you would make monthly payments to the IRS. However, with this agreement, you are only paying back part of the taxes you owe over time. The IRS will review this agreement approximately every two years to see if your financial income has changed. If your income has changed or you have started a new job, the IRS will send you a notice informing you that your income reflects that you have the ability to pay and request that you set up a payment plan with them. If you are attempting to request a hardship agreement with the IRS, they will request the following:

  • Last three months’ worth of bank statements 
  • Proof of income for the last three months
  • The market value for all assets
  • A list of everything that a taxpayer may own (Retirement savings, bank accounts, all sources of income, real estate property, vehicle statements, life insurance policies, etc.)

Request for an Extension 

If you do have the ability to pay your balance in full but need some time to get the money together, the IRS will allow you to request a one-time extension. You can request up to 120 days to pay your tax balance in full. It is important to keep in mind that the IRS will apply a 0.5% penalty per month for the unpaid balance and will only allow you to make this extension once. If you do miss the extension date, you will fall back into collections.

The IRS offers an array of options to ensure that you stay compliant and out of collections. If you are having difficulty paying your full tax balance to the IRS right away, it is important to know your options and what you can do to protect yourself. If you are unsure of what to do, you can always speak to a tax relief company such as Optima Tax Relief or the IRS to get a better understanding of what works best for you. 

Optima Tax Relief provides assistance to individuals struggling with unmanageable IRS tax burdens. To assess your tax situation and determine if you qualify for tax relief, contact us for a free consultation.

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The Difference Between a Lien, Levy, and Garnishment

The IRS can be problematic to deal with – especially if you don’t have a clue about anything tax-related. For those who owe a liability to the IRS, it is important to understand how the IRS works in addition to any potential action the IRS can take against you. If a tax balance is owed, they can place you into collections, garnish your paychecks, place a lien on your physical assets, or even levy your bank account(s). Here is what you need to know about the IRS taking action against you, and how to prevent yourself from falling into collections.

Liens

A lien is something that the IRS can place against you if you owe a tax liability. The IRS has the ability to place liens on physical assets such as a home or vehicle in order to ensure they receive the maximum amount of money if a taxpayer intends on selling their assets; they will take a portion of the profit of the sold asset and apply it to the balance owed to them. You can avoid having a lien placed against you by paying your balance owed in full and on time or, if you cannot afford to pay your balance off, you can contact the IRS to see what type of payment plan options you can be placed on. 

Levies

The IRS will send several collection notices warning a taxpayer of their intent to levy if the balance owed has yet to be paid in full. A levy occurs once the IRS considers you a delinquent taxpayer and they will go after your bank accounts, wages, or property in order to settle the debt that is owed. In some cases, the IRS will only seize a small sum of money from a taxpayer.  Other times, they will take a taxpayer’s entire savings and apply it to their tax balance. To stop an IRS levy, you can contact them directly and request they release the levy if you can prove that you are currently in a hardship. They will also release their levy if you can pay the amount owed in full, the collection period to collect the liability on your balance has ended, or the value of your property is more compared to the amount owed to the IRS. 

Garnishments

The IRS can also garnish your wages if you have an unpaid balance. The IRS can legally seize your income and apply it to the balance owed to them and garnish your paychecks, commissions, or any bonuses. There are a couple of ways to stop the IRS from garnishing you, you can either pay your balance in full or contact the IRS to set up a payment plan or hardship agreement if you qualify. 

The IRS will act against those who fail to pay their tax balance and they can and potentially will attempt to garnish, levy, or place a lien against you should you ever owe a tax liability. It is expected that all taxpayers remain compliant with the IRS and adhere to the most current tax laws in order to stay out of collections. 

Optima Tax Relief provides assistance to individuals struggling with unmanageable IRS tax burdens. To assess your tax situation and determine if you qualify for tax relief, contact us for a free consultation.

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Criteria for Qualifying for a First-Time Abatement

The IRS’s first-time abatement penalty waiver was created as a way to combat penalties that accrued on a specified tax year due to either a failure-to-file, failure-to-pay, or failure-to-deposit penalty. Although this waiver was introduced over a decade ago, most taxpayers don’t realize that this form is accessible for them to remove any penalties that were tacked on to one of their tax years. If you meet one of the following criteria, this form may be able to help you reverse any penalties that were applied to your balance.

Failure to file your tax return or filing it late

Tax season can be one of the most stressful times of the year. Not knowing whether you’re going to receive a refund or owe the IRS can cause some taxpayers to avoid filing their tax returns altogether. For every tax year that is not filed or is filed late, the IRS will automatically tack on penalties for a failure to file. According to the IRS, the penalty for filing late or not filing at all is 5% on your balance every month. 

Failing to pay on time or make estimated tax payments

If you owe a balance after filing your tax return, the IRS will expect that you pay it off by the tax deadline. For those who are 1099 earners, it is strongly suggested that you make estimated tax payments throughout the year to ensure that you do not owe after you file your taxes. In the event that you fail to pay your balance in full, make estimated tax payments or negotiate an agreement with the IRS by the requested date, the IRS will begin to place penalties and interest against you until your balance has been paid in full. 

Failure to deposit certain taxes as required

Employers are responsible for withholding taxes from their employee’s paychecks. If they fail to periodically remit these amounts to the United States Treasury, the IRS will assess a failure to deposit penalty. The IRS sends a letter to every business that has employees that explains its federal tax deposit schedule, ensuring the business is aware of how frequently it is required to make its federal tax deposits. If a business fails to make them as scheduled in the correct amount or by the requested timeline, the IRS will charge a federal tax deposit penalty. 

It is safe to assume that most taxpayers don’t want to pay their taxes in addition to any penalties and interest that may have accrued, which is why the IRS created the First Time Penalty Abatement. To qualify, the IRS usually requires you to not have incurred any penalties for the past three years, have filed all your tax returns or an extension, and have made payment arrangements for any outstanding debt with the IRS. Taxpayers can request this form from the IRS or visit the IRS website to download the form.

Optima Tax Relief provides assistance to individuals struggling with unmanageable IRS tax burdens. To assess your tax situation and determine if you qualify for tax relief, contact us for a free consultation.

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What Could Happen If You Don’t File Your Tax Return?

It is not hard to fall behind on your taxes. This can happen for a number of different reasons, such as you were unable to afford any tax services, you simply forgot about the tax deadline, or you suffered a serious illness which left you unable to file your tax return. It can be easy to avoid filing your tax return and ignore any serious repercussions – until the IRS starts sending you notices informing you of your unfiled tax years or a delinquent debt you have failed to pay. The IRS has the ability to take action against you for failure to file so it is important to know what the possible consequences could be for not filing your tax returns. 

The IRS can file a substitute return for you

The IRS can file a Substitute for Return, or SFR, on your behalf if they notice a failure to file for any tax year or years. The IRS does not file an SFR as a courtesy for those who fail to file their tax return and will not include any exemptions or deductions. Because of this, filed SFRs can reflect that a taxpayer owes a tax liability. The IRS will also send out an informative collection notice stating that a substitute return was filed or if there is a tax balance associated with the SFR.

The IRS has no time limit to collect from you

When it comes to the IRS taking collection action, the IRS has no timeline as to when they can stop. Once the IRS assesses a balance against you, they can garnish your wages, levy your bank accounts, and place liens on your physical assets. Just because you have past tax years that are unfiled, it does not mean the IRS has forgotten. It could even mean that the IRS will have the ability to hold you liable for your tax balance for up to 10 years from the date that your balance was assessed. 

Failure to file your tax return could be considered a crime

For some taxpayers, failing to file your tax return could mean getting in serious trouble. The IRS could consider this a crime and assume that you are evading the liability that they have assessed on your behalf. Consequences for not filing your tax return could mean jail time or fines as high as $250,000. 

Why it is beneficial to file your missing tax return

Filing all outstanding tax returns is important in order to avoid having the IRS take collection action against you. Although there is not a time limit for you to file any past tax years, the IRS does put a limit on receiving a refund for a previous tax return. The IRS also allows you to collect on a tax refund for up to three years from the due date of your return.

Filing your tax returns may not be the most exciting thing to do and some may even dread the filing season as it comes every year. Regardless of how you feel about having to file, it is a requirement in order to stay compliant and out of collections with the IRS. If you do have unfiled tax years, it can be beneficial to speak with a tax attorney or a tax resolution company in order to resolve any outstanding debt you have for the unfiled years or any tax debt that was assessed against you when the IRS filed an SFR for you. 

Optima Tax Relief provides assistance to individuals struggling with unmanageable IRS tax burdens. To assess your tax situation and determine if you qualify for tax relief, contact us for a free consultation.

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Common Mistakes Taxpayers Make when Filing their Tax Return

Tax season can be stressful, especially when you’re unsure if the information you provided on your tax return was accurate. The IRS encounters errors on a regular basis, often causing delays when processing your tax return or sending your tax refund on time. There are many of these common mistakes taxpayers make when filing their tax returns that lead to these delays.  Here are some ways you can avoid those mistakes and ensure that when you file, you file properly.

Make sure to include all income on your tax return

Many taxpayers underreport their income. This is usually an innocent oversight, such as forgetting to include income from rental property, retirement income, 1099 income, stocks, or other supplementary incomes. It’s important to remember that your income is directly reported to the IRS, so accidentally leaving out any source of income could leave you at risk to be audited. Reporting all income when filing your taxes is necessary for your tax return to properly process and be accepted with the IRS.

Choosing the right filing status

Failing to select the correct filing status on your tax return could potentially cause future tax problems. For example, some married taxpayers will choose to file single when they should have chosen between Married Filing Separate or Married Filing Joint. This could raise a red flag with the IRS if a person repeatedly selects the wrong filing status. Don’t forget – if you are married but living separately, you can still claim single on your tax return. 

Know who you can claim on your tax return

Claiming ineligible dependents on a tax return could also signal a red flag with the IRS. The IRS will only allow you to claim dependents if you are supporting the person that is being claimed and may even ask you to provide substantiation to prove it. Make sure to keep any receipts as proof, because if you are audited and you cannot provide supporting documentation, penalties and interest will be added to whatever balance may be owed – or even be deducted from your refund.

Double-check your tax return

Make sure to never use anything but your full name when filing your taxes. Using a nickname could cause your tax return to be rejected or in a worst-case scenario; the IRS could consider it identity theft if you file your return with your full name the following year. Some other common mistakes that could be avoided by simply double-checking the information provided include, failing to sign your tax return when mailing it off to the IRS or placing incorrect bank account numbers on your return. While these mistakes may seem minor and relatively insignificant, they can cause major problems for your tax returns for years to come.

Always be mindful of how you are filing your taxes and make sure to check your tax return for accuracy before sending it to the IRS. Taking just a few minutes to verify your work can prevent these simple mistakes, and help you get the most out of your tax return.

Optima Tax Relief provides assistance to individuals struggling with unmanageable IRS tax burdens. To assess your tax situation and determine if you qualify for tax relief, contact us for a free consultation.

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Tips to Help Understand and Avoid Tax Scams

You’ve just received a notice from the IRS.  It indicates that, after multiple attempts to get in touch with you, they are going to levy you. You start to panic; you don’t remember the IRS ever attempting to reach out to you.  Maybe you’ve never even owed a tax liability. After calling the number on the notice, the agent on the line tells you to pay up – or face the consequences. Afraid that the IRS will levy your bank account – and possibly seize your house – you provide your payment information over the phone. You check your bank account and your entire savings are gone. You contact the number again, but the line has been disconnected. When you do get in touch with a real IRS Agent, they tell you that you never owed a balance with them in the first place.  You were just scammed.

Millions of Americans will receive communication from scammers impersonating the IRS, using scare tactics to get people to fork over their hard earned money.  These scammers will attempt to take your money by calling your personal phone, sending malicious emails, and sending fake letters like the one in the example above.  Below we will break down these different forms of communication and the different tactics they will take to gain your trust and steal your money.

One of the most common forms of tax scams is by leaving automated voicemails on your personal phone that tell you the IRS will be collecting on owed taxes or that there is a warrant for your arrest. In some cases, they will even mirror their number to make it appear similar to an actual IRS number. These fraudsters will most likely ask for cash payments sent to a temporary address or try to get you to tell them your social security number. Some may even ask for your bank account number directly in an attempt to bleed your account dry.

Sending false emails is a tactic known as “phishing.” When people click on a link in these emails, it uploads a virus that steals your sensitive information, allowing them access to your passwords, and even your bank accounts and credit cards.

Fake IRS notices are sent in an attempt to have you call the number listed on the letter.  Once they have you on the line, they bully you just so they can gain access to your personal information. The letter itself may look like it was directly sent to you by an assigned revenue officer from the IRS, and it can be difficult to tell the difference.

There are ways to protect yourself from scammers. It is important to know that the IRS will never ask for your bank account or card information over the phone, nor will they ever demand you to pay back your supposed balance immediately without first providing you with balance due notices in the mail. The IRS will also never ask you for your payment in one specific or unusual way, such as with gift cards or prepaid cards.  In addition, if the IRS is claiming that there are discrepancies on your tax return and you feel as though their claim is wrong, the IRS will allow you to provide proof your tax return is accurate. Finally, the IRS will never call you and tell you that they are going to have you arrested or sued for not paying your tax liability back to them.

It is important to always verify where the source of notices, phone calls or emails you receive are coming from. Owing the IRS can be frightening, but what’s even scarier is knowing that there are scammers preying on taxpayers, trying to steal from them. Always be cautious and aware of your tax situation and be sure to verify who you’re speaking with and where your money is going. You can contact the IRS directly at 1-800-829-1040 or you can go directly onto the IRS’s website to learn more about preventative measures to take to ensure you won’t get scammed.

Optima Tax Relief provides assistance to individuals struggling with unmanageable IRS tax burdens. To assess your tax situation and determine if you qualify for tax relief, contact us for a free consultation.

How IRS Debt Can Ruin Your Travel Plans (and Jeopardize Your Passport)

The stress of owing the IRS can be overwhelming. The ever-present threat of having a lien placed on your assets, the fear every time you check your bank account to discover it has been levied dry, the strain of having the IRS garnish your monthly wages; these are just a few of the things that millions of Americans go through every day. Now, the IRS has made further changes to crack down on Americans who have not paid their taxes.

As of February 2018, Americans who owe the IRS more than $50,000 are at risk of having their passports revoked. If you have unpaid taxes owed to the IRS, it is important to either pay your balance in full or go on a monthly installment agreement in order to avoid having these travel restrictions placed on you. The State Department is now working alongside the IRS to not only revoke existing passports but to also deny any passport application for those with seriously delinquent tax debt.  (If you are overseas and your passport is denied, the State may issue a temporary passport that has limited validity to return to the United States.)  Essentially, until the tax debt is settled with the IRS, people will be placed on this new “No Passport” list.

There are a few exceptions to be aware of.  You won’t be at risk of being placed on the “No Passport” list if you are currently going through bankruptcy, if the IRS acknowledges you have been the victim of identity theft, or if there is a natural disaster declared on a federal level.  You may also be able to keep or renew your passport if you have a request pending for an installment agreement, have a pending offer in compromise with the IRS or if the IRS has accepted an adjustment that will satisfy your debt. And if you are placed on the “No Passport” list, the IRS will hold your application for 90 days to allow you to resolve your tax liability, pay your balance in full or enter into an installment agreement before revoking your passport.

This is yet another sign that the IRS is escalating their collection efforts against Americans who have unpaid taxes and another reasovn for you, as a taxpayer,  to stay current and compliant with their IRS filings.  If you are in the unfortunate situation of having delinquent IRS debt, it is wise to speak to a qualified tax professional who can help you evaluate your options sooner rather than later. Because when it comes to owing money to the IRS, delaying is almost always a losing strategy. For more information regarding on the IRS passport revocation and denial policy, click here!

Optima Tax Relief provides assistance to individuals struggling with unmanageable IRS tax burdens. To assess your tax situation and determine if you qualify for tax relief, contact us for a free consultation.

Tax Tips for Uber Drivers and those Working in the Gig Economy

So you just joined Uber. Now you have a little extra cash, and you’re the one picking up the tab at dinner when you go out with friends and family. There couldn’t possibly be a downside to earning this additional income, right? Well, while there isn’t necessarily a drawback to having more money in your pocket, there are a few factors to being an Uber driver that you should consider from a tax standpoint. Here are some common questions and tax tips that first time Uber drivers should think about before getting started.

What is the difference between a 1099 earner versus a W2 earner?
If you have taxes being deducted out of every paycheck, you are most likely a W2 earner. At the end of the year, a W2 earner will receive a form that will state their annual wages along with a breakdown of the taxes that were withheld throughout the year.

A 1099 earner, however, does not have any taxes withheld from their income. The total amount of pay you received from Uber (or any other person or entity for whom you were a 1099 earner) during the year will be reported on a 1099 form. It is the responsibility of the 1099 earner to either make estimated tax payments (more on this below) or pay any balance in full at the end of the tax year.

What are estimated tax payments and can they help me avoid owing at the end of the year?
Estimated tax payments, or ETPs, are based on the amount of income that you expect to have earned in the current tax year. ETPs are usually made if a taxpayer believes that they will have a tax balance at the end of the year. A taxpayer may also wish to make ETPs if they are not withholding enough taxes from their paycheck, or if taxes are not being deducted from their income at all. A 1099 earner (or even a W2 earner who does not have enough withholdings listed) has the choice to pay their estimated tax payments bi-weekly, monthly or even quarterly. ETPs must be made in order to avoid owing at the end of the year, and it is even possible to receive a penalty if ETPs are not being made. The IRS allows you to make your estimated tax payments by either mailing a payment in, paying over the phone, or even paying online.

What are tax write-offs and how do I keep track of all my business expenses?
Being that you are a 1099 earner for Uber, it’s a little like running your own business. And just like if you were running your own business, you must document and report any income you have received and expenses you have made. Many of these expenses are tax write-offs. Some expenses that you may experience as an Uber driver include car maintenance, gas, and mileage. You will need to keep proof of your expenses throughout the tax year in order to write them off with the IRS. In order to do this accurately, you will need to keep track of how much of your mileage is used for business and how much is used for your personal life. There are multiple downloadable apps on the market designed to keep track of this for you. If you forgot to do this, don’t worry – you can request this information directly from Uber. Once you know what percentage of your mileage is used for business, you can calculate what percentage of your gas and maintenance can be listed as a tax write-off. Don’t forget to save those receipts; you will need them in case you are ever audited by the IRS!

Whether you’re using Uber to pay the bills or to give you a little extra income on the side, paying your taxes doesn’t have to be scary. Following the steps above and stashing away a little bit of your income can help ensure you don’t get blindsided come tax season. Now get out there and have some fun with your extra cash and remember, drive safe!

Optima Tax Relief provides assistance to individuals struggling with unmanageable IRS tax burdens. To assess your tax situation and determine if you qualify for tax relief, contact us for a free consultation.

Medical Identity Fraud – A Risk to Your Health and Wealth

Imagine this scenario: you’re sitting in a doctor’s office with a long-lasting fever after your camping trip. Because it may be an infection from a tick bite, the doctor decides to give you an antibiotic shot. She glances at your records, swabs your arm with alcohol, picks up the syringe and says “this little dose of penicillin should help…” and you interrupt: “wait, I’m allergic to penicillin.” “But, that’s not what your records say… we gave you penicillin last time you were here.”

Frightening? Yes. Impossible? Not at all.

Medical identity theft is on the rise and it can not only have crippling effects on your finances but can seriously put your health in jeopardy.

The Medical Identity Fraud Alliance, a group of concerned corporate and non-profit partners,  speculate that over 2 million Americans were put at risk of medical identity theft in 2014, a figure that leaped 22% from previous research. This doesn’t even take into account the nearly 80 million individuals affected by the Anthem data breach in 2015 – the country’s largest healthcare breach.

Identity thieves steal personal health information (PHI) such as social security numbers and medical insurance identification numbers for two main reasons:

  • For financial gain by filing fraudulent claims to your health insurer (including Medicaid/Medicare) in order to receive a reimbursement check
  • Free medical care of high cost or elective procedures or to secure prescription medication – specifically narcotics that can be abused or sold on the black market

Financial fraud such as a stolen credit card can be frustrating, but can be quickly resolved since it’s easier to detect, and often doesn’t have significant long-term financial impacts. Medical identity fraud, on the other hand can cost a victim $13,500 on average and be notoriously difficult to resolve.

Because of advancement in electronic communication and collaboration in the healthcare industry, PHI is more exposed and accessible. At the same time, this doesn’t always mean that your health provider is on the same page with your insurer. PHI is rarely tracked across multiple networks and this gap can make stealing and using it feasible.

Here are a few things you can do to minimize your risk of medical identity fraud:

  • Carefully read all correspondence from your medical provider and Health Insurance Company. Treat each line item like you might for a bank statement and ensure that each charge or claim is valid.
  • Safeguard your Social Security number and healthcare data. Make sure that when you provide it, it’s absolutely necessary. It’s always okay to ask.
  • Avoid putting medical procedures and hospital stays on social media. You never know who’s looking and this piece of data could be the last one that the thief needs to commit their crime.

Our identity protection program provides comprehensive, proactive monitoring for several data points, including your medical information. To learn more about how we can help you minimize your risk of medical identity theft, visit https://optimatax.idprotectiononline.com/enrollment/.