Over 65 Provision

sjcbens — Wed, 06 Aug 2025 16:10:35 GMT

Do spouse's (W-2) earnings and my pension earnings change taxable my SS taxable with new law for federal tax? Does $6000 credit also have to take in consideration these earnings (along with my SS earnings) for phase out of credit?

Re: Over 65 Provision

Loretta P — Wed, 06 Aug 2025 17:32:19 GMT

Yes your spouse's W-2 earnings and your pension earnings are considered when calculating the Modified Adjusted Gross Income (MAGI). The MAGI is used to determine the phase out range.

One Big Beautiful Bill Act: Tax deductions for working Americans and seniors

What Is Modified Adjusted Gross Income (MAGI) and How Is It Calculated?

Update: To clarify, yes the $6,000 deduction does include earnings and the taxable portion of social security in calculating the MAGI to determine the phase out range.

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Over 65 Provision

Re: Over 65 Provision