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New Member
posted Jul 22, 2025 4:13:29 PM

When does the 6,000 dollar additional benefit get subtracted, before you determine what percentage of benefit is taxable or after?

If 50% of my Social Security benefit plus all other income amounts to 34,500 and that puts me in the 85% taxable range is it at that point I subtract the 6000 to put me in the 50% range?

0 4 730
4 Replies
Level 15
Jul 22, 2025 4:17:56 PM

You are asking about a change in the tax laws that will be in effect for your 2025 tax return that will be filed in 2026. The newly passed tax laws have no effect whatsoever on your 2024 tax return.   We do not know yet how the IRS will handle the forms for the changes.

Level 15
Jul 22, 2025 4:40:09 PM
Level 15
Jul 22, 2025 5:07:47 PM

The $6,000 senior benefit has no effect on the amount of Social Security benefits that are includible in income on Form 1040 line 6b.

Level 15
Jul 22, 2025 5:15:25 PM

@rkwicks1958 The changes to the tax law will not impact any of the current lines 1-11 on Form 1040.  

Nothing will change your Adjusted Gross Income (AGI - Line 11), so the taxable component of Social Security (line 6b) will be unchanged.

 

However, if you are at least 65 years old, filing status is other than Filing Separate, then $6000 gets subtracted from Line 11 as the Senior Deductuon.

 

If your income is over $75,000 (or over $150,000 filing Joint), that reduces the $6000, by the part of your AGI that exceeds that limit times 6%,  So for example, if your AGI is $100,000, you are at least 65 years old and filing SIngle, then 6% times $25,000  = $1500, meaning the Senior Deduction would be $4500 instead of $6,000.

 

Does that help?