topic I am retired, 74 and only income is social security. Must I file? in Retirement tax questions

I am retired, 74 and only income is social security. Must I file?

nelleasrep — Mon, 23 Feb 2026 10:54:58 GMT

I received one stimulas check also.

Re: I am retired, 74 and only income is social security. Must I file?

DoninGA — Thu, 12 Jan 2023 20:12:05 GMT

If the Social Security benefits are the only income to be reported on the 2022 tax return, there is no need to file a 2022 tax return. Unless you had federal income taxes withheld from the SS income then you should file for a tax refund.

Re: I am retired, 74 and only income is social security. Must I file?

BillM223 — Thu, 12 Jan 2023 20:19:26 GMT

It is unlikely that you will have to file a return. However, to be sure, take a look and fill in this IRS Interactive Tool: Do I have to File a Tax Return? This will give you an exact answer based on your SS income.

Re: I am retired, 74 and only income is social security. Must I file?

Critter-3 — Thu, 12 Jan 2023 21:49:46 GMT

If the Social Security benefits is your ( and your spouse’s if married) only income then there is no need for you to file a tax return UNLESS one or more of these apply :

You had federal/state taxes withheld that can be refunded
You received advance premium tax credit for health insurance from the ACA Marketplace (aka "Obamacare")
You took money out of Health Savings Account (HSA) or Medical Savings Account (MSA).
You are married filing a separate return from your spouse and you lived together during the tax year OR you are filing a joint return and the spouse has income other than SS benefits.