Tax Advisory: Reclaiming Interest and Penalties Under the COVID-19 Disaster Relief Provisions

Written by HoganTaylor | May 11, 2026 6:17:28 PM

Recent judicial developments in the United States Court of Federal Claims and the Tax Court have unveiled a significant opportunity for taxpayers to recover interest and penalties paid during the COVID-19 pandemic. Specifically, the decisions in Kwong v. United States (2025) and Abdo v. Commissioner (2024) have clarified that the mandatory disaster extension period under Internal Revenue Code (IRC) § 7508A(d) was far more extensive than the Internal Revenue Service (IRS) previously acknowledged.

The Legal Foundation: IRC § 7508A

IRC § 7508A provides the framework for postponing tax-related deadlines during federally declared disasters. The statutory logic distinguishes between discretionary and mandatory relief:

  1. Subsection 7508A(a): "In the case of a taxpayer determined by the Secretary to be affected by a federally declared disaster... the Secretary may specify a period of up to 1 year that may be disregarded in determining... the amount of any interest, penalty, additional amount, or addition to the tax... and the amount of any credit or refund."
  2. Subsection 7508A(d) (2019 Version): "In the case of any qualified taxpayer, the period—(A) beginning on the earliest incident date specified in the declaration... and (B) ending on the date which is 60 days after the latest incident date so specified, shall be disregarded in the same manner as a period specified under subsection (a)."

In Abdo, the Tax Court ruled that § 7508A(d) is "self-executing" and mandatory, meaning the IRS cannot use its discretion to shorten the period defined by the disaster's actual duration. This invalidated portions of Treasury Regulation § 301.7508A-1(g), which attempted to limit these mandatory postponements to one year.

Defining the "Disregarded Period"

The COVID-19 disaster declaration was unprecedented in length. While the IRS previously issued notices (such as Notice 2020-23) suggesting relief was limited to only a few months in 2020, the Kwong court held that for the COVID-19 pandemic, the "latest incident date" did not occur until May 11, 2023. Consequently, the mandatory disregarded period for qualified taxpayers runs from January 20, 2020, through July 10, 2023 (60 days after the May 11 end date). During this nearly 39-month window, the accrual of underpayment interest and failure-to-file/pay penalties should have been suspended.

The Opportunity: Interest and Penalty Abatements

Taxpayers who paid interest on deficiencies or delinquency penalties during this period may be entitled to significant refunds. This applies to:

  1. Underpayment Interest (§ 6601): Interest that accrued between January 2020 and July 2023 on any tax deficiency should be abated.
  2. Delinquency Penalties (§ 6651): Penalties for failure to file or pay that would have otherwise accrued during this period are eligible for reduction.
  3. Estimated Tax Penalties (§ 6654): While Kwong noted that § 6654 penalties do not have a "reasonable cause" exception, they are still subject to the disregarded period under § 7508A if the underpayment occurred during the disaster window.

Critical Filing Deadlines and Calculation Walk-Through

The interaction between § 7508A and the statute of limitations under IRC § 6511(a) creates a unique filing window. Normally, a refund claim must be filed within three years of the return filing or two years of the tax payment. Under the logic approved in Kwong, the disaster period is essentially "carved out" of the limitation period calculation. For limitation periods that would have commenced or were running during the incident period, the clock effectively stopped on January 20, 2020, and resumed after July 10, 2023.

Step-by-Step Logic for Refund Claims:

  1. Identify the Standard Deadline: Determine when the three-year (from filing) or two-year (from payment) window would normally expire.
  2. Determine Overlap: If the window overlaps with January 20, 2020 – July 10, 2023, those overlapping days are disregarded.
  3. Establish the New Deadline: For many 2019-2022 calendar-year returns, the three-year statute of limitations may now remain open until July 10, 2026.

Example Modeling: If a corporation paid an audit assessment including underpayment interest on February 15, 2024, the two-year-from-payment rule normally expires on February 15, 2026. However, if the underlying interest was calculated over the disaster period (Jan 2020 – July 2023), the taxpayer can file a refund claim for the portion of interest attributable to that disregarded window, provided the overall claim is filed within the open two-year window from the payment date.

Caveats and Missing Information

  1. Qualified Taxpayer Status: Relief is limited to "qualified taxpayers" as defined in Subsection 7508A(e)(2), which includes individuals whose principal residence and businesses whose principal place of business are located in the disaster area. Because the COVID-19 disaster was declared nationwide, most U.S. based taxpayers qualify.
  2. The 2021 Amendment: Congress amended § 7508A(d) in November 2021 to limit future mandatory extensions to 60 days from the start of a disaster. However, Kwong confirmed this amendment does not apply retroactively to the COVID-19 disaster declared in 2020.
  3. Missing Prior-Year Data: To determine the exact refund amount, we require the specific dates of all tax payments and the dates original returns were filed. This data is essential because if a limitation period fully expired before January 20, 2020, § 7508A cannot revive it.

Taxpayers should immediately review their interest and penalty history for the years 2019 through 2023. Given that the July 10, 2026, threshold is approaching for many returns, prompt action is required to secure these "King Kwong-sized" refund.

 

The HoganTaylor Tax Practice

If you have any questions about the content of this publication, or if you would like more information about HoganTaylor's Tax practice, please email James Keehn, Tax Practice Lead, at jkeehn@hogantaylor.com.

INFORMATIONAL PURPOSE ONLY. This content is for informational purposes only. This content does not constitute professional advice and should not be relied upon by you or any third party, including to operate or promote your business, secure financing or capital in any form, obtain any regulatory or governmental approvals, or otherwise be used in connection with procuring services or other benefits from any entity. Before making any decision or taking any action, you should consult with professional advisors.