topic Box 5 ssa-1099 full amount not taxable benefit amount was not reduced on my return in Retirement tax questions

Box 5 ssa-1099 full amount not taxable benefit amount was not reduced on my return

68psy-54jof — Mon, 23 Feb 2026 11:00:45 GMT

No reduction to benefit received

Re: Box 5 ssa-1099 full amount not taxable benefit amount was not reduced on my return

DoninGA — Sun, 08 Jan 2023 20:59:48 GMT

Up to 85% of Social Security Retirement/Disability/Survivors benefits becomes taxable when all your other income plus 1/2 your social security reaches:

Married Filing Jointly - $32,000
Single or Head of Household - $25,000
Married Filing Separately - 0

Look at your Form 1040. On Line 6a will show the SS benefit amount from box 5 of the Form SSA-1099.

On Line 6b will be the taxable amount of your SS benefits.

You can view your Form 1040 at any time using the online editions. Click on Tax Tools on the left side of the online program screen. Click on Tools. Click on View Tax Summary. Click on Preview my 1040 on the left side of the screen.

Re: Box 5 ssa-1099 full amount not taxable benefit amount was not reduced on my return

SteamTrain — Sun, 08 Jan 2023 21:01:02 GMT

That might depend on where you are looking.

IF you are looking just at the $$ on the main menu...that just shows total entered...not how much was taxable.

If you are looking at the form 1040 itself...the total $$ do show on the adjacent line 6a, and a reduced amount should show up on line 6b (0%-to-85% of 6a)

Re: Box 5 ssa-1099 full amount not taxable benefit amount was not reduced on my return

xmasbaby0 — Sun, 08 Jan 2023 22:21:25 GMT

TAX ON SOCIAL SECURITY

Up to 85% of your Social Security benefits can be taxable on your federal tax return. There is no age limit for having to pay taxes on Social Security benefits if you have other sources of income along with the SS benefits. When you have other income such as earnings from continuing to work, investment income, pensions, etc. up to 85% of your SS can be taxable.

What confuses people about this is that before you reach full retirement age, if you continue working while drawing SS, your benefits can be reduced if you earn over a certain limit. (For 2019 it was $17,640— for 2020 it was $18,240; for 2021 it was $18,960. For 2022 it was $19,560 — for 2023 $21,240)

After full retirement age, no matter how much you continue to earn, your benefits are not reduced by your earnings; your employer will still have to withhold for Social Security and Medicare.

To see how much of your Social Security was taxable, look at lines 6a and 6b of your 2022 Form 1040

https://ttlc.intuit.com/questions/1899144-is-my-social-security-income-taxable

https://www.irs.gov/help/ita/are-my-social-security-or-railroad-retirement-tier-i-benefits-taxable

You need to file a federal return if half your Social Security plus your other income is $25,000 when filing single or head of household, or $32,000 when filing married filing jointly, $0 if you are filing married filing separately.

Some additional information: There are 13 states that tax Social Security—Colorado, Connecticut, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, North Dakota, Rhode Island, Utah, Vermont, and West Virginia. These states offer varying degrees of income exemptions, but four mirror the federal tax schedule: MN, ND,VT, and WV