Over 65 Provision

Forum|Forum|1 year ago
August 6, 2025
1 reply
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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?

Ask the Experts - Beautiful - Aug 2025

Loretta P

Employee Tax Expert

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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