And this part of your question....
" Does TurboTax back up returns that they have approved and the IRS disapproves? "
TurboTax never "approves" of your refund. Only the IRS can approve of your refund. TurboTax just lets you know if your e-file was accepted or rejected. "Accepted" does not mean "approved."
https://ttlc.intuit.com/questions/2840013-does-accepted-mean-my-refund-is-approved
**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**
