@alexb757 wrote:
Correct me if I’m wrong, but isn’t the rule that you should use lump sum method if and only if, it gives you a lower tax liabity than the 85% method
@alexb757
I don't see anything in the IRS instructions that says that. You are free to use whichever method you choose, whether or not it saves you any money. Since you are paying tax on 85% of your benefits either way, the IRS is not likely to complain. I don't think you have anything to worry about.
