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If the address you used on your tax return is wrong, you need to send a change of address to the IRS.  And you need to contact the third party bank and sort out the address problem with them. https://www.irs.gov/faqs/irs-procedures/address-changes/address-changes       Santa Barbara Tax Products Group, LLC  (SBTPG) is the bank that handles the Refund Processing Service when you choose to have your TurboTax fees deducted from your refund. This option also has an additional charge from the bank that processes the transaction.    You can contact them SBTPG, toll-free, at 1-877-908-7228 or go to their secure website www.sbtpg.com   

Your tax refund was not sent to TurboTax.   TurboTax does not handle your refund at all.   Santa Barbara Tax Products Group, LLC  (SBTPG) is the bank that handles the Refund Processing Service when you choose to have your TurboTax fees deducted from your refund. This option also has an additional charge from the bank that processes the transaction.  You can contact them SBTPG, toll-free, at 1-877-908-7228 or go to their secure website www.sbtpg.com      How can I see my TurboTax  fees?    https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/review-fees-turbotax-online/L1XnIzgzg_US_en_US?uid=m682vq7k   What is Refund Processing Service?         If you chose to have your fees deducted from your federal refund, but entered wrong or closed bank account information for your direct deposit, you are going to have an aggravating, frustrating situation.  Your refund will go back to the third party bank. The third party bank might issue and mail you a check, or they might send your refund back to the IRS and then you will have to wait for the IRS to mail you a check.   If the third party bank mails the check, it will come in a plain envelope via first class mail so make sure you open all mail and do not assume anything is junk mail without opening it.While you are waiting, make sure that the address you entered on your tax return is correct, or your problem will be even worse.   When you choose “refund processing” your refund goes FIRST  from the IRS to the third party bank.  Then the bank takes your fees out of your refund and sends the rest of the refund to you.  

You can check to see if you used TurboTax to file returns for those years.  TurboTax has no way to know if you used some other software to file.   You can also check to see if the IRS has transcripts of returns you filed.   You have to access your own account and/or  print it for yourself using exactly the same account and user ID that you used when you prepared the return.    https://myturbotax.intuit.com/   Start a 2025 return online and enter some personal information  so that the menu on the left opens up and lets you access your past year returns.   https://ttlc.intuit.com/community/prior-year-return/help/how-do-i-access-my-prior-year-return/01/27010     https://ttlc.intuit.com/turbotax-support/en-us/help-article/import-export-data-files/save-2021-turbotax-online-return-pdf/L8dHfRkpT_US_en_US?uid=m5y4ch1y   Many people have multiple TT accounts and forget how to access them.  Log out of the account you are in now.     https://ttlc.intuit.com/turbotax-support/en-us/help-article/account-management/many-intuit-accounts-turbotax/L9aVfKS1Z_US_en_US?uid=ll5g6zcx Account Recovery     Or did you use the desktop version of TurboTax?  If so, the files are on your own hard drive or any backup device you used like a flash drive.     hhttps://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-return/find-last-year-tax-data-file-tax-file-computer/L0XJvPaJr_US_en_US?uid=m6gufxei     https://ttlc.intuit.com/turbotax-support/en-us/help-article/data-systems/find-tax-data-file-mac/L4VNGm33S_US_en_US?uid=m6guhab0 You can get a free transcript from the IRS or for a fee of $30, an actual copy of your tax return. https://www.irs.gov/individuals/get-transcript https://www.irs.gov/pub/irs-pdf/f4506.pdf       SAVE YOUR TAX RETURNS ! EVERY year before mid-October you should save a copy of your tax return as a pdf and print a copy of it for your records.  That way you will not be searching online frantically when you need it for a lender, FAFSA forms, your next tax return, etc.    https://ttlc.intuit.com/turbotax-support/en-us/help-article/import-export-data-files/save-2021-turbotax-online-return-pdf/L8dHfRkpT_US_en_US?uid=m6guj526   https://ttlc.intuit.com/turbotax-support/en-us/help-article/import-export-data-files/save-2021-turbotax-online-return-pdf/L8dHfRkpT_US_en_US?uid=m78eb8pc In order to transfer a past year return to the new return you need the tax file   https://ttlc.intuit.com/turbotax-support/en-us/help-article/import-export-data-files/save-turbotax-online-return-tax-data-file/L4xwOG3LF_US_en_US?uid=m6guk3xl   NOTE:  TurboTax and the IRS save returns for seven years.  Returns older than seven years are purged.    

Well you only need a low AGI to pay lower tax.   A lower AGI won’t help you to deduct the 14,400 COBRA.   14,400 is already less than the 16,100 Standard Deduction.   Just take the Standard Deduction.   

Hi.   The only property taxes I have are the town taxes and school taxes on my primary residence.   Am I right the way to go is to get my 2026 AGI as low as possible?   And yes, I guess most of the SSDI won't be taxable.

And just looking at your COBRA payments.   The 14,400 is already less than the Standard Deduction.  Then it is reduced by 7.5% of your AGI.   So unless you have a lot of other deductions to itemize you will be taking the Standard Deduction.

The SSDI probably won’t be taxable or just a small amount.     Up to 85% of Social Security becomes taxable when all your other income plus 1/2 your social security, reaches: Married Filing Jointly: $32,000 Single or head of household: $25,000 Married Filing Separately: 0   So your AGI will be small to determine how much medical you can deduct.  Do you have any other deductions like property tax?  

@tylerr123    You mention wanting to have help from a tax expert for your next tax return---for 2025.   https://turbotax.intuit.com/personal-taxes/online/live/how-it-works.htm   https://turbotax.intuit.com/personal-taxes/online/live/full-service/     LIVE ASSISTED https://turbotax.intuit.com/personal-taxes/online/live/how-it-works.htm    

Will this help?   How to install and Activate the Desktop Download program with a License Code How to install TurboTax CD/Download software with license code   Where is it getting stuck or stopping?  

@cwd08051959 wrote: Used the link you provided.  It has NOTHING about Form 1099-R.  So, again, when will it be available?? You can enter a 1099-R in Forms Mode. Otherwise, you'll have to wait for that section to be ready (and no one here can be certain when that will be).

@Rstockett71 There is no $2000 refund.   So far, there is only a lot of political huffing and puffing and grandstanding about "stimulus" checks or checks because of the recent tariffs.    There has been no act of Congress to make any of that a reality.   If your only income has been Social Security you are not required to file a tax return unless you have a 1095A for marketplace health insurance.

The fee for using TurboTax is based on which version of the software you use to enter your information.   Only very simple returns that require only a Form 1040 can be prepared using the Free Edition.   But you say you have "stocks"---which may mean you need to use online Premium software.     ONLINE 2025 https://turbotax.intuit.com/personal-taxes/online/ And just so you know—online prices go up in March—Pay your fee before then to lock in the discount     https://turbotax.intuit.com/personal-taxes/online/live/how-it-works.htm