Social Security Applauds Passage of Legislation Providing Historic Tax Relief for Seniors
Reading Time: 1 MinuteLast Updated: July 7, 2025
The Social Security Administration (SSA) is celebrating the passage of the One Big, Beautiful Bill, a landmark piece of legislation that delivers long-awaited tax relief to millions of older Americans.
The bill ensures that nearly 90% of Social Security beneficiaries will no longer pay federal income taxes on their benefits, providing meaningful and immediate relief to seniors who have spent a lifetime contributing to our nation’s economy.
“This is a historic step forward for America’s seniors,” said Social Security Commissioner Frank Bisignano. “For nearly 90 years, Social Security has been a cornerstone of economic security for older Americans. By significantly reducing the tax burden on benefits, this legislation reaffirms President Trump’s promise to protect Social Security and helps ensure that seniors can better enjoy the retirement they’ve earned.”
The new law includes a provision that eliminates federal income taxes on Social Security benefits for most beneficiaries, providing relief to individuals and couples. It does so by providing an enhanced deduction for taxpayers aged 65 and older, ensuring that retirees can keep more of what they earned.
Social Security remains committed to providing timely, accurate information to the public and will continue working closely with federal partners to ensure beneficiaries understand how this legislation may affect them.
For more information about Social Security programs and benefits, visit www.ssa.gov.
Correction Notice: This blog was updated on July 7, 2025. The second sentence of the fourth paragraph originally read, “Additionally, it provides an enhanced deduction for taxpayers aged 65 and older, ensuring that retirees can keep more of what they have earned.”
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Motorcop
The Democrats are the spawn of the devil. They are responsible for for taxation on our savings accounts John Kennedy. They’ve tax Social Security, and they claim to be the champion of the working man. They wouldn’t know what a working man was their despicable and if you’re a Catholic or a Christian, which is the same thing you can’t be a member of the Democratic Party it’s a sin of omission, and if you don’t believe me, it’s too late because you will not get into purgatory or heaventhat’s the teachings of Jesus Christ.
John P.
Tax on Social Security was passed when Ronald Reagan was President. Republicans have been trying to eliminate Social Security for decades.
Social Security was CREATED by the Democrats.
Francis R.
This statement is total BS. The BBB does not change the way your SS benefits are taxed at all. There is a temporary extra deduction for seniors that is only valid until 2028 (the next presidential election) and Trump is claiming this will offset SS taxes but, in fact, this deduction has nothing to do with Social Security at all. Sorry all, very disappointing.
James o.
I am 71 years old and I’m not sorry at all about the social security deductions. I will take any help I can get . All we need to fo is make sure the communist democrats never win another election.
George M.
The democrats are not communists and have a better grip on your retirement than any republican ever will…(unless you are a millionare lol)…
Jane
FYI it was a Democrat a Senator youngest one in the Senate they hailed JOE BIDEN who wrote this ridiculous tax law on SS benefits because he was ConFused back then too as he was in the Oval office ? Confused pre tax dollars which is any Insurance Premium an employee has to pay as their part is deducted from gross pay before the taxes are witheld ! Apparently Biden confused the two of st that time he was already filthy rich and those trivial things didn’t matter to him I do wonder if the other Senators that voted to Tax your Social Security Income when you retire was thinking at all when it was passed! It’s literally paying tax on tax It needs to be examined again ! Nobody to date has drawn anywhere near what was taken from their paychecks It wasn’t supposed to be taxed NOT ever ! To begin with it was voluntary too but it got made mandatory You are better off taking money and putting it aside or in a insured ROTH IRA or like my grandparents put it in a gallon jar bury in your yard ! After that money passed down through some sticky hands Trust me if you worked since you were 16 and you pay in by the time you are let’s say 70 …you let what turns out is dishonest people WOW imagine that handling YOUR money for 54 years Now check your W-2 for 54 years Add up get the total then look at the Statement they send you that Estimates your SS payout when you retire. It’s sickening isn’t it You never get 100% return as was promised to my dad’s generation when it started. And they act like WE the workers are on Welfare !! It is our money it’s not a handout I earned every measley penny I draw each month then insulted with paying taxes on it ! I know people who died at 65 NEVER got a dime Where does that money go ? Not to your spouse unless they’re younger than you or you have dependent children Then they squeeze a dab out for them. I wish they would abolish Social Security It gives the workers false hope It was never meant to be anything but ” supplemental ” income somehow folks got confused Gee Wonder WHO got us citizens confused ? As far as the 2028 cut off I doubt I will be here by then Death finds us all one way or the other. Your body shuts down until ….One more thing I know someone who never paid a dime to SS …..but he and wife was able to draw a big check every month He started at age 62 NOW that really makes me angry there
Mark K.
Social Security is a government provided safety net that, during its original passage, was decried by Republicans as socialism. If not for democrats, you wouldn’t have it in the first place. Educate yourself.
SkyPilot
But I would be able to invest the taxed amount and have a substantially larger retirement fund.
Manolito
Very succinct and very clear comment with truthful information. Thank you
Robert P.
agree.
Robert P.
the bonus deduction will be helpful to most over 65 but has almost nothing to do with so cial security payments. tax on ss should have been indexed to inflation , was never done.
Ruben v.
I can believe taxes on social security thats why i voted for you trump
Rose
CAN SOMEONE BITE A BULLET AND SPELL IT OUT!!!!!!!!!!!!!!!!!!!!!!!!!! 65 and older, 95% who is the 95% that won’t pay on benefits and all the details for tax filing?????
Nancy
It’s a deduction and limited to people with certain income limits. It’s also only in effect from 2026-2028
Jo A.
Nancy, hope this helps:
Provisional Income Range Portion of Benefits Taxed
Below $25K (single) / $32K (joint) 0% taxed
Between thresholds Up to 50% taxed
Above higher thresholds Up to 85% taxed
Pcilla
Please, everyone! Stop assuming until you get the information from Social Security or your tax preparer. There’s nothing more valuable than information from the “horse’s mouth” as they say. You have waited this long to hear about the plan, then wait a little longer to get the full scope regarding you alone. It gains nothing to keep haggling over what this one read and how the other one understood it all. Just wait and see. If you don’t like it, there’s the “Voter Booth!”
Karla C.
This is so confusing. The information is all over the place. First: social security will be taxable. Second: social security will be taxable if etc etc etc. Third: social security will not be taxable if etc etc etc. so, IT IS either TAXABLE IF etc etc etc OR IT IS NON-TAXABLE PERIOD.
Manolito
Taxes depend on your income. if you only receive social security income the chances are you dont pay taxes already but I am not a tax expert. If you have other income, then you would need to calculate that income to see where you stand. Get someone to help you.
Daisy C.
How can I check on the $1065.00 for seniors in the Bill from President Trump. I am 82. Please give me a web site or phone number to apply.
LulaBelle S.
Lula Belle Shaffer I’m interested in applying for the money
Becky A.
The more I read the more confused I become. If I receive social security and am working, am I still going to have to pay taxes on my social security or do I just receive a $6000 deduction on my income, or both?
Molly m.
Is the IRS giving most social security recipient a bonus this month
Lawrence T.
Most seniors – even with full Social Security benefits – pay NO TAXES at all.
dawnk
Folks, this is not a discontinuation of tax on Social Security. It is a reduction (deduction) in taxes @$6000 per qualified party up to AGI of $75k/individual & $12k deduction on $150k for those if both spouses are 65 and on soc. security. An individual married person with a younger spouse will still be eligible if the other is not. There are some very clear cut articles on this ( i realize it may have been misportrayed). Bottom line, if receiving SS and total income is $75k or less, $6000 can be deducted off–whether standard or itemized deductions. IF you make more than 75k as an individual, there is a step down. For instance, if you make $90K, you are 15k above. 15K x 6% = your $6000 deduction will be reduced by $900. It will help lower income, you just have to understand how it applies
Kevin
Dawnk — Your comment has been the most helpful of all I have read. I am 63 and my wife is 69. Our MAGI exceeds 150k, and we file joint. For clarification, will my wife be able to take the deduction, even tho I am not 65? I have read “yes” and “no” and you seem to be very informed. Granted, I do understand that my wife will not be able to deduct the full $6,000. I think her deduction be offset by 6% for every dollar that our MAGI is over 150k, correct? For ex – a MAGI of $210k will result in a deduction of $2400 for my wife (e.g., $210,000 minus 150,000 = $60,000 x .06=$3600)…Thus, the 6,000 deduction would decrease to $2400 because $6000 minus $3600 = $2400. Thanks again for your helpful remarks. Kevin
Angela B.
Thanks for this. It still isn’t clear about WHERE we will see the tax being deducted; from each month’s payment (starting when?), or a tax CREDIT applied when we file taxes (so, tax year 2025)? Hubby just started collecting it, I don’t qualify yet, and we’re under the $75k threshold for the year.
M M.
You have to apply the deduction when you post your taxes.
This is a deduction – not a tax cut. Permanent tax cuts were made for corporations only, not individuals, not seniors.
This tax deduction expires for seniors in 2 years.
Jaye H.
…and if you do the math…the savings in taxes for the average senior is minimal! The inclusion of no taxes on SS benefits just sounds good, when in actuality, the big $$ is going to the rich and to corporations!
McSomething
And it expires in two years
Kat
Don’t vote democrat and you won’t have to worry about it in expiring in 2026