Pension income and Social Security income can be taxes form 0-85% depending on other income. Your spouses income and Social Security, if any, are included on the total AGI to determine the taxable income.
Filing married separate returns would probably result in a higher overall tax and all Social Security becomes taxable.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
