Yes, your mother will need to file a tax return to get a refund of the withholding from her life insurance dividends. Additionally, if the dividends that were paid to your mother exceeds the filing threshold, she would need to file a return. For a MFJ couple over 65 the income threshold is $34,700. Their social security payments will be included in their Modified Adjusted Gross Income (MAGI) if their total income (half of their Social Security benefits and other income sources) exceeds $32.000, then a portion of their social security income is included in their gross income.
Refer to the IRS article Who must file a tax return for additional information.
Refer to the TurboTax article Where do I enter my 1099-DIV in TurboTax Online? for detailed navigation instructions.
Refer to the TurboTax articles Is my Social Security income taxable?, How does receiving Social Security affect my taxes? and
When Does a Senior Citizen on Social Security Stop Filing Taxes? for additional information.
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