[Colonel Flagg]

When I have had questions concerning issues related to income, deductions, tax-related stuff like that, believe it or not the IRS can answer basic questions. They're not ogres, they can be quite helpful and understanding. Plus, I don't think, based on your description of your situation that this would be a conflict of interest for them. Your main worry would be pissing off the insurance carrier.

I'd wait until May, though. I hear they've quite busy at the moment.