topic I received a SSA-1099 in my name with O/A/O after my name in Retirement tax questions

I received a SSA-1099 in my name with O/A/O after my name

haiwen68 — Mon, 02 Feb 2026 23:00:41 GMT

I received a SSA-1099 in my name with O/A/O after my name, Box 2 is my Social Security number, SS for my deceased husband. Box 8 is his Social Security number. Should I put this on my 1040 or put it on the final tax return of my husband if Married filing separately?

Re: I received a SSA-1099 in my name with O/A/O after my name

KrisD15 — Mon, 02 Feb 2026 23:14:07 GMT

Yours.

The payment is issued to you On Account Of (OAO) your late husband's account.

This would not include the $255 "one-time lump sum death benefit payment" since that payment is not taxable, that payment is not reported.

Sorry for your loss.

Re: I received a SSA-1099 in my name with O/A/O after my name

haiwen68 — Thu, 05 Feb 2026 21:55:46 GMT

Thank you very much!

Re: I received a SSA-1099 in my name with O/A/O after my name

Wedding5500 — Mon, 09 Mar 2026 00:10:16 GMT

@KrisD15,

My Mom received a letter in November 2025 from SSA saying that she would receive a payment because they owed money to a person previously entitled who is now deceased. My Dad passed in 2024. I’m not referring to the $255 death benefit.

My Mom received her own 2025 SSA-1099. Then she received an O/A/O SSA-1099 with her SSN in Box 2. My Dad’s SSN only shows up in Box 8 to be used as a Claim Number if contacting SSA. The dollar amount in Box 5 of the O/A/O 1099, matches the dollar amount from the letter my Mom received.

I just need to know if the SSA-1099 O/A/O, Box 5 (Net Benefit) is considered a lump sum payment in TT?

Thank you to anyone able to assist me.

Re: I received a SSA-1099 in my name with O/A/O after my name

DianeW777 — Mon, 09 Mar 2026 17:01:42 GMT

It depends. Generally, if the money was received by your mother in 2025, then it will be reported as income in 2025, and not as a lump sum for current and prior years. However, if you do show in box 3, an amount designated as 2024 payments you can use the lump sum action.

Example: Benefits for 2024

If this is not specifically stated, then report all of the social security as usual without selecting lump sum.
If it is specifically stated, then you can use the information below to try the lump sum selection to see the best results (TurboTax will calculate with the information you provide). See the details below for Lump Sum selection.

You can use the Social Security lump-sum action to reduce the amount of your taxable social security, even possibly to zero.

What is a Lump-Sum Social Security Payment?

The lump-sum election has always worked correctly in TurboTax. Have all tax returns available for each year included in the lump sum payment (shown on your SSA-1099).

This can be handled on your tax return for 2025. The Form SSA-1099 should show a total amount in box 5, and then the amount that is designated for each year in box 3. Worksheet 4 is included after Worksheet 2 is completed for each year.

Be sure to select "lump-sum" method of reporting in this situation which is all done on the tax return for the year of receipt of the benefits. Enter the appropriate amounts for each year when you start that section of your return. Continue to add each year for all years listed in box 3. There is no amendment required.

Open your TurboTax Return > Search (upper right) > type ssa1099 > Click the Jump to.... Link or Click on See more > the click on social security benefits in the FAQ
Select Yes you received benefits > Complete your SSA-1099 > Continue > Yes I received at least one lump sum payment for 2023 or earlier > Continue
Type a year from your SSA-1099 > Enter the amount received for that year > Continue
If you received a Form SSA-1099 for the earlier year enter the box 5 amount, if not enter zero or leave it blank > Continue
Enter the filing status for the earlier year > Continue > Select whether you lived with a spouse in the earlier year > Continue >
Enter the information from the earlier year return > Continue > Add another lump sum payment (another year from box 3) if applicable or Click Done
Continue to follow the screens until you are back at the Income Summary page

Also enter a zero if your Social Security benefits weren't taxable or there were none in the earlier year(s) (such as for a spouse). If you are using the TurboTax Desktop version review the Lump-Sum Social Security Worksheet in Forms. You can also review 'Earlier Year Lump-Sum Worksheet' for each year.

@Wedding5500

Re: I received a SSA-1099 in my name with O/A/O after my name

Wedding5500 — Mon, 09 Mar 2026 16:43:43 GMT

@DianeW777

Thank you for the very detailed response!

Box 3 on the O/A/O says “benefits paid in 2025“ so if I understand your directions, I should be able to take the “net benefits for 2025” amount from box 5 and add it to my mom‘s 1099 Box 5.

Thank you!

Re: I received a SSA-1099 in my name with O/A/O after my name

DianeW777 — Mon, 09 Mar 2026 17:00:07 GMT

Yes, you are correct. Since the SSA-1099 does not show any Benefits for 2024, the lump sum is not allowed and you can combine the totals and enter one SSA-1099 for your mom's return.

@Wedding5500

Re: I received a SSA-1099 in my name with O/A/O after my name

Wedding5500 — Mon, 09 Mar 2026 17:52:35 GMT

Thank you!

@DianeW777