topic Is Social Security taxable? in Retirement tax questions

Is Social Security taxable?

dheim3109 — Tue, 03 Feb 2026 06:47:01 GMT

I did not receive a SSA-1099

Re: Is Social Security taxable?

Bsch4477 — Sat, 11 Jan 2025 06:09:15 GMT

Those forms haven’t been mailed yet. Social security may be taxed depending on your other income and must be reported on your return.

Re: Is Social Security taxable?

VolvoGirl — Sat, 11 Jan 2025 06:23:52 GMT

Did you get a SSA-1099 last year? Or are you on ssi? You don't get a form for ssi or report it on your tax return. You can go to the ssa online and maybe get your SSA-1099 form. I haven't got mine in the mail yet but there was an initial form posted on my account.

SSA get your 1099 form

https://www.ssa.gov/manage-benefits/get-tax-form-10991042s

Re: Is Social Security taxable?

xmasbaby0 — Sat, 11 Jan 2025 16:00:36 GMT

If you receive Social Security benefits, SS will mail you a SSA1099 sometime in January. If Social Security is your ONLY income, you are not required to file a tax return unless you have a 1095A for marketplace health insurance or if you had tax withheld from the SS and want to seek a refund.

If you receive SS and also get other income such as W-2 or self-employment income, retirement pension, rental income, investment income, etc. etc. you might need to file.

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 2021 it was $18,960. For 2022 it was $19,560 — for 2023 $21,240) For 2024, $22,320.

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. If you work as an independent contractor then you will pay self-employment tax for Social Security and Medicare.

To see how much of your Social Security was taxable, look at lines 6a and 6b of your 2024 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 11 states that tax Social Security—Colorado, Connecticut, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, Rhode Island, Utah, and Vermont These states offer varying degrees of income exemptions, but two mirror the federal tax schedule: MN and VT.

The tax laws for 2024 will change——for tax year 2024 Missouri and Nebraska will no longer tax SS

Re: Is Social Security taxable?

susitnavalley — Wed, 12 Feb 2025 20:34:14 GMT

I heard Kansas just stopped taxing Social Security retroactive to January 1, 2024.

"As of January 1, 2024, Kansas no longer taxes Social Security benefits. This means that Kansas residents do not pay state income taxes on their Social Security benefits."

Re: Is Social Security taxable?

KrisD15 — Wed, 12 Feb 2025 20:37:05 GMT

That is correct, Kansas does not tax social security benefits for tax year 2024 and forward.