topic Re: W4-P Question in Get your taxes done using TurboTax

W4-P Question

Justice5002020 — Tue, 24 Feb 2026 06:25:40 GMT

I need help on what to chose on the W4-P. I am married and have one child. My wife is permanently disabled. What is the best way to fill out the W4-P to not have to pay at the end of the year? She receives benefits for her disability.

Re: W4-P Question

johnd84 — Wed, 24 May 2023 17:22:15 GMT

Hi there, great question! Could you tell me what is the source of the disability payments? Is it Social Security?

Editing my reply as I did not know a colleague was also working on this. I agree with her, please see her post below.

Re: W4-P Question

Cindy4 — Wed, 24 May 2023 17:20:09 GMT

Hi Justice5002020!

This TurboTax W-4 calculator can assist:

https://turbotax.intuit.com/tax-tools/calculators/w4/?srqs=null&cid=ppc_gg_nb_stan_all_na_sitelink-calculator_ty20-bu1-sb70_638115186921&srid=CjwKCAjw67ajBhAVEiwA2g_jEJ0QLXtBEWFdWg4hc_-RkXBp1Nvgcf_mivzl_qXL6FNmbogMYtpECBoC-8UQAvD_BwE&targetid=kwd-1731480166231&skw=income%20tax%20estimator%202023&adid=638115186921&ven=gg&gad=1&gclid=CjwKCAjw67ajBhAVEiwA2g_jEJ0QLXtBEWFdWg4hc_-RkXBp1Nvgcf_mivzl_qXL6FNmbogMYtpECBoC-8UQAvD_BwE&gclsrc=aw.ds

Looking at the form, if step 2 item (b)(i) is blank, and if you only have this one pension, you are prompted to complete steps 3 through 4(b). The more allowances you claim, the less tax will be withheld. Another alternative is, if you are currently receiving periodic payments, take a look at the current withholding and divide it by the distribution. If this percentage is in line with what your tax rate is based on these tax brackets, you may not need to make a change.

https://turbotax.intuit.com/tax-tips/irs-tax-return/current-federal-tax-rate-schedules/L7Bjs1EAD

You'll also want to check with your state to see if they will tax your pension. States vary, and if they tax pensions, you're plan administrator should be able to withhold for the state as well.

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Re: W4-P Question

Justice5002020 — Wed, 24 May 2023 17:34:37 GMT

Yes it is social security.

Re: W4-P Question

Justice5002020 — Wed, 24 May 2023 17:36:17 GMT

It is in KY and they don’t withhold state taxes on the pension.