{"id":603,"date":"2020-09-25T15:32:00","date_gmt":"2020-09-25T15:32:00","guid":{"rendered":"https:\/\/www.simplywise.com\/blog-2023\/?p=603"},"modified":"2023-06-22T21:13:05","modified_gmt":"2023-06-22T21:13:05","slug":"is-social-security-taxable","status":"publish","type":"post","link":"https:\/\/www.simplywise.com\/blog\/is-social-security-taxable\/","title":{"rendered":"Is Social Security taxable?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"603\" class=\"elementor elementor-603\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-41d32f1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"41d32f1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b26aef7\" data-id=\"b26aef7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0dc1484 elementor-widget elementor-widget-template\" data-id=\"0dc1484\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"196\" class=\"elementor elementor-196\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-339b45e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"339b45e0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f771e94\" data-id=\"3f771e94\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44435407 elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"44435407\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/elementor\/css\/custom-pro-widget-call-to-action.min.css?ver=1764022918\">\t\t<a class=\"elementor-cta\" href=\"https:\/\/simplywise.app.link\/Iv0wVANrvfb\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-content-item elementor-cta__content-item elementor-icon-wrapper elementor-cta__icon elementor-view-default\">\n\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-lightbulb\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">DID YOU KNOW?<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tRetirement is 99% easier when your paperwork is organized. \n\nJoin 250,000+ Americans securely storing their important receipts, bills &amp; documents with the SimplyWise app.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<span class=\"elementor-cta__button elementor-button elementor-size-md\">\n\t\t\t\t\t\tGet the App\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4f863a0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f863a0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5ff59ce\" data-id=\"5ff59ce\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c9531a3 elementor-widget elementor-widget-text-editor\" data-id=\"c9531a3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 28-05-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Since the rapid spread of the coronavirus around the world, many people are losing jobs and fearing for the economy. The Social Security Administration, though not created specifically to deal with pandemics, is a social safety net to help Americans\u2014especially American workers\u2014through times of crisis. But in order to keep the\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/social-security-retirement-benefits\/\" target=\"_blank\" rel=\"noopener\">Social Security benefit<\/a>\u00a0funds viable for everyone who needs them, the administration must in some cases reduce and even tax the benefits of those who earn higher incomes.<\/p><p>In fact,\u00a0<a href=\"https:\/\/www.ssa.gov\/news\/press\/factsheets\/HowAreSocialSecurity.htm\">3.4% of the funding<\/a>\u00a0for beneficiaries in 2018\u2014about $35 billion\u2014came from taxing Social Security benefits.<\/p><h3><b>Why is Social Security taxed?<\/b><\/h3><p>It might seem like double dipping for the Social Security administration to fill the coffers by taxing earnings and then taxing benefits as well. It is more understandable when you look at the purpose of Social Security. President Franklin D. Roosevelt created the Social Security Administration in 1933 by executive order. The country was in the midst of the Great Depression that had left millions jobless and homeless. Social Security was intended to be exactly what it says\u2014a source of security for society when people need help and support. This might include the elderly and retired, the unemployed and the disabled, along with their families.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5464283 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5464283\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-32d93fc\" data-id=\"32d93fc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0d04d9f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0d04d9f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b691eaf\" data-id=\"b691eaf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-941bc54 elementor-widget elementor-widget-image\" data-id=\"941bc54\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 28-05-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"546\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/09\/Screen-Shot-2023-06-16-at-10.34.17-AM.png\" class=\"attachment-large size-large wp-image-606\" alt=\"\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/09\/Screen-Shot-2023-06-16-at-10.34.17-AM.png 668w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/09\/Screen-Shot-2023-06-16-at-10.34.17-AM-300x256.png 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0a5a7eb\" data-id=\"0a5a7eb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2378504 elementor-widget elementor-widget-text-editor\" data-id=\"2378504\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Everyone who pays into the system receives its benefits. It is called an \u201centitlement\u201d because the federal government determined that workers who pay into the system and are eligible are\u00a0<i>entitled<\/i>\u00a0to receive its benefits regardless of their income level. Employees pay 6.2% of their annual gross income into the Social Security funds, up to $137,700 (in 2020). If they earn above that, they don\u2019t have to pay Social Security tax on the rest. Their employers also pay 6.2% of the employees\u2019 annual gross income.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-505bdb7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"505bdb7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4ddbbba\" data-id=\"4ddbbba\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0520c88 elementor-widget elementor-widget-text-editor\" data-id=\"0520c88\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Self-employed people must pay 12.4% to compensate for the amount their employers would have paid. Everyone who is eligible for benefits receives them.<\/p><p>In 1983, however, it became clear that the system might run low on funds. The Social Security system depends on current workers to fund older generations\u2019 retirement. But the government could see that the Baby Boomer generation was much larger than GenerationX and they were living longer than previous generations. There would not be enough workers to fund this large generation of retirees. Consequently, Congress<a href=\"https:\/\/www.ssa.gov\/history\/InternetMyths2.html\">\u00a0voted in 1983<\/a>\u00a0to make a<a href=\"https:\/\/www.ssa.gov\/history\/reports\/gspan5.html\">\u00a0number of changes<\/a>\u00a0to Social Security policy including taxing the benefits of those with higher incomes.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a67036f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a67036f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c6d4157\" data-id=\"c6d4157\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-acf0560 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"acf0560\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9440eea\" data-id=\"9440eea\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d0e0efd elementor-widget elementor-widget-text-editor\" data-id=\"d0e0efd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<section class=\"elementor-element elementor-element-4b4a48c4 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-section elementor-top-section\" data-id=\"4b4a48c4\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-row\"><div class=\"elementor-element elementor-element-7f54260f elementor-column elementor-col-100 elementor-top-column\" data-id=\"7f54260f\" data-element_type=\"column\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-5dd045e2 elementor-widget elementor-widget-text-editor\" data-id=\"5dd045e2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><h3><b>How is Social Security taxed?<\/b><\/h3><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-element elementor-element-3193dbc4 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-section elementor-top-section\" data-id=\"3193dbc4\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-row\"><div class=\"elementor-element elementor-element-335c8ea4 elementor-column elementor-col-50 elementor-top-column\" data-id=\"335c8ea4\" data-element_type=\"column\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-92bce85 elementor-widget elementor-widget-text-editor\" data-id=\"92bce85\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><p>If you are below full retirement age and are receiving Social Security benefits, the Internal Revenue Service will not tax your benefits, but the SSA may reduce them. The rule in 2020 is that in the years prior to your full retirement age, if you earn more than\u00a0$18,240, Social Security will reduce your benefits by $1 for every $2 over that amount. The money that is taken from your benefit will be restored to you at full retirement. In the year of your full retirement, you can earn\u00a0$48,600\u00a0without any reduction and then SSA will only reduce your benefits $1 out of every $3 earned above that amount.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9071141\" data-id=\"9071141\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-244c936 elementor-widget elementor-widget-image\" data-id=\"244c936\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"674\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/09\/Screen-Shot-2023-06-16-at-10.35.29-AM.png\" class=\"attachment-large size-large wp-image-607\" alt=\"\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/09\/Screen-Shot-2023-06-16-at-10.35.29-AM.png 675w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/09\/Screen-Shot-2023-06-16-at-10.35.29-AM-285x300.png 285w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-92ef262 elementor-widget elementor-widget-text-editor\" data-id=\"92ef262\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>It\u2019s only when you reach full retirement age that taxation kicks in. At full retirement age, the SSA will no longer reduce your benefits, but if you earn a certain amount of \u201ccombined income\u201d the IRS may tax some of your benefit. Combined income is:<\/p><ul><li>Your adjusted gross income such as wages, dividends, self-employment income, and other taxable income.<\/li><li><i>Plus<\/i>\u00a0your nontaxable interest<\/li><li><i>Plus<\/i>\u00a0half of your Social Security benefits<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3f12866 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3f12866\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5c92cbf\" data-id=\"5c92cbf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fac1014 elementor-widget elementor-widget-text-editor\" data-id=\"fac1014\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you file your federal tax return as an individual, and your combined income is between $25,000 and $34,000, you may have to pay income tax on up to 50% of your benefits. If your combined income is more than $34,000, you may have to pay taxes on up to 85% of your benefits.<\/p><p>If you file a joint return, and you and your spouse have a combined income between $32,000 and $44,000, you may have to pay income tax on up to 50% of your benefits.\u00a0If it is more than $44,000, you may have to pay taxes on up to 85% of your benefits.\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/guide-to-social-security-spousal-benefits\/\" target=\"_blank\" rel=\"noopener\">If you\u2019re married<\/a>\u00a0and file a separate return, you\u2019ll probably have to pay taxes on your benefits.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e3cab23 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e3cab23\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e3beee0\" data-id=\"e3beee0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f5d6bc2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f5d6bc2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0b3a63f\" data-id=\"0b3a63f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8a625c0 elementor-widget elementor-widget-image\" data-id=\"8a625c0\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"675\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/09\/Screen-Shot-2023-06-16-at-10.38.44-AM.png\" class=\"attachment-large size-large wp-image-608\" alt=\"\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/09\/Screen-Shot-2023-06-16-at-10.38.44-AM.png 684w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2020\/09\/Screen-Shot-2023-06-16-at-10.38.44-AM-285x300.png 285w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6616fa6\" data-id=\"6616fa6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-df937c8 elementor-widget elementor-widget-text-editor\" data-id=\"df937c8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><b>Any way to avoid the tax on Social Security benefits?<\/b><\/h3><p>One way to possibly avoid having your benefit taxed is to delay filing for Social Security retirement benefits. People who file for Social Security at<a href=\"https:\/\/www.simplywise.com\/blog\/what-is-full-retirement-age-for-social-security\/\">\u00a0full retirement age<\/a>\u2014rather than\u00a0 younger\u2014receive 100% of their benefit. If you wait until age 70 to file, you will receive\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/delaying-social-security-retirement-benefits\/\" target=\"_blank\" rel=\"noopener\">Delayed Retirement Credits<\/a>\u00a0which increase your benefit by 8% each year until you reach 70. <b>This way, your benefit is much larger when you actually receive it, and you can earn money in the years leading up to filing without your benefit being taxed.<\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-859216f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"859216f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b0f121d\" data-id=\"b0f121d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f3204b1 elementor-widget elementor-widget-text-editor\" data-id=\"f3204b1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<section class=\"elementor-element elementor-element-299d8bc elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-section elementor-top-section\" data-id=\"299d8bc\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-row\"><div class=\"elementor-element elementor-element-67d1ee72 elementor-column elementor-col-100 elementor-top-column\" data-id=\"67d1ee72\" data-element_type=\"column\"><div class=\"elementor-column-wrap  elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-78d3e660 elementor-widget elementor-widget-text-editor\" data-id=\"78d3e660\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><p>Moreover, Social Security bases your benefit on\u00a0your top 35 earning years\u00a0before you file, so if you make more money in those last years, your benefit will be higher.<\/p><p>Some investment advisors have other recommendations such as keeping money in a Roth IRA which is build on after-tax dollars, or investing in a Qualified Longevity Annuity Contract in some cases.\u00a0<\/p><p>The Social Security Administration strongly recommends you see a financial advisor to get the most out of your Social Security benefit. Many factors play into this planning including:<\/p><ul><li>How long you intend to keep earning money, and how much<\/li><li>How long you expect to live. (Social Security has<a href=\"https:\/\/www.ssa.gov\/oact\/STATS\/table4c6.html\">\u00a0life expectancy tables<\/a>\u00a0to help you estimate.)<\/li><li>What other sources of income are available to you, such as investments. And whether you \u00a0canstagger taking money from these income sources to maximize your income.<\/li><li>Your eligibility for benefits on someone else\u2019s record. Surviving spouses and some ex-spouses can\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/ss-benefits-if-my-spouse-dies\/\">receive benefits on the deceased workers\u2019 record<\/a>\u00a0and delay filing for their own retirement until later.<\/li><\/ul><div>\u00a0<\/div><p>Those are only a few of the considerations that enter into the decision about when to file for your benefit.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-element elementor-element-1be6a0e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-section elementor-top-section\" data-id=\"1be6a0e0\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-row\"><div class=\"elementor-element elementor-element-454d4da7 elementor-column elementor-col-100 elementor-top-column\" data-id=\"454d4da7\" data-element_type=\"column\"><div class=\"elementor-column-wrap  elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-1076080f elementor-widget elementor-widget-text-editor\" data-id=\"1076080f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><h3><span class=\"\">Do you\u00a0<em>have<\/em>\u00a0to pay income tax on Social Security benefits?<\/span><\/h3><p>Each January, you will receive a\u00a0<i>Social Security Benefit Statement<\/i>\u00a0(Form SSA-1099) showing the amount of benefits you received in the previous year. You can use this\u00a0<i>Benefit Statement<\/i>\u00a0when completing your federal income tax return to find out if your benefits are taxable. If you don\u2019t have your form SSA-1099 or SSA-1042S for the previous tax year, you can get an instant replacement using your online\u00a0<i>My<\/i>\u00a0<i>Social Security<\/i>\u00a0account. If you don\u2019t already have an account, you can create one\u00a0online. To get your replacement Form SSA-1099 or SSA-1042S, select the \u201cReplacement Documents\u201d tab.<\/p><p>If you do have to pay taxes on your Social Security benefits, you can make quarterly estimated tax payments to the IRS or\u00a0choose to have federal taxes withheld\u00a0from your benefits.<\/p><p>There are many ways to reduce the impact of taxation on your Social Security benefits, but the good news is if your benefits are being taxed, you\u2019re one of the fortunate ones who doesn\u2019t have to heavily rely on a benefit that only replaces a small portion of your income. And that\u2019s a win.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3989f28 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3989f28\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e22920a\" data-id=\"e22920a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a5671e9 elementor-widget elementor-widget-template\" data-id=\"a5671e9\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"196\" class=\"elementor elementor-196\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-339b45e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"339b45e0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f771e94\" data-id=\"3f771e94\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44435407 elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"44435407\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a class=\"elementor-cta\" href=\"https:\/\/simplywise.app.link\/Iv0wVANrvfb\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-content-item elementor-cta__content-item elementor-icon-wrapper elementor-cta__icon elementor-view-default\">\n\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-lightbulb\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">DID YOU KNOW?<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tRetirement is 99% easier when your paperwork is organized. \n\nJoin 250,000+ Americans securely storing their important receipts, bills &amp; documents with the SimplyWise app.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<span class=\"elementor-cta__button elementor-button elementor-size-md\">\n\t\t\t\t\t\tGet the App\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Since the rapid spread of the coronavirus around the world, many people are losing jobs and fearing for the economy. The Social Security Administration, though not created specifically to deal with pandemics, is a social safety net to help Americans\u2014especially American workers\u2014through times of crisis. But in order to keep the&nbsp;Social Security benefit&nbsp;funds viable for [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":604,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-603","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is Social Security taxable? - SimplyWise Cost Estimator<\/title>\n<meta name=\"description\" content=\"The Social Security Administration, is a social safety net to help Americans especially American workers. 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