@alexb757
You seem to be replying to different people, but no one can tell who each reply is addressed to unless you state it in your post. All of your posts just appear one after the other in what is now a very long, wordy thread. Endlessly repeating essentially the same lengthy message makes it difficult to follow the discussion.
As far as the tax on your Social Security is concerned, there is nothing special about the lump-sum payment for the WEP. It's the same as any other lump-sum Social Security payment.
There is no "85% method" for taxing Social Security benefits. Each year, anywhere from 0% to 85% of your Social Security benefits is taxable, depending on your other income. What the lump-sum election allows you to do is have the lump-sum payment for a prior year taxed at the same percentage as if it had been reported in the earlier year. But the lump-sum election does not necessarily save you any money. It may be that your 2024 income was high enough that 85% of the 2024 amount would have been taxable if you had reported it in 2024. If your income was high enough in both years that 85% of any Social Security would be taxable each year, the lump-sum election is not going to make any difference. Your tax will be exactly the same whether or not you use the lump-sum election. Even if your 2025 income is higher than your 2024 income, the lump-sum election is not going to save you any money if your 2024 income was already high enough to make 85% of your Social Security taxable. If the lump-sum election does not save any money, it makes absolutely no difference whether the lump-sum box is checked or not.
Most of the people who have replied to you in this thread are not TurboTax employees and cannot help you with your concerns about how Full Service works. You could try calling TurboTax support about that.
If you still have concerns about the lump-sum election, please state your question succinctly in one post. Everyone who is following this thread will see whatever you post.
