Tax Season: What To Know If You Get Social Security or Supplemental Security Income
Reading Time: 4 MinutesLast Updated: November 2, 2023
It’s tax season once again. It’s important to read this blog even if your earnings or benefits don’t require you to file a federal tax return. You may be entitled to special tax credits that can mean extra cash to help you with expenses. These tax credits are available even if you receive Supplemental Security Income (SSI) and don’t normally file a tax return.
The Child Tax Credit
What is the Child Tax Credit (CTC)?
The CTC is a tax benefit, expanded in March 2021, that helps families who are raising children. You can claim the CTC for any qualifying child even if you don’t usually file a federal tax return. You can get up to $3,600 per qualifying child under age 6, and up to $3,000 for each qualifying child age 6 – 17. These ages are determined as of December 31, 2021.
Am I eligible for the CTC if I get Social Security or SSI?
Yes, if you meet the qualifying rules of the CTC. You can claim this credit from the Internal Revenue Service (IRS) based on each of your qualifying children, even if you get Social Security or SSI and don’t normally file a tax return. You also may have received up to half of your credit through advance monthly CTC payments made by the IRS from July to December 2021. For more information about advance monthly CTC payments, you can visit ChildTaxCredit.gov and the IRS 2021 CTC and Advance CTC Payments Frequently Asked Questions.
Will advance monthly CTC payments, or any CTC I claim on my tax return, reduce my Social Security or SSI benefits?
Advance monthly CTC payments, as well as any CTC that you claim on your 2021 tax return, won’t reduce your Social Security benefits.
If you receive SSI, we won’t count the CTC (or any advance monthly payments you might have received during 2021) as income or resources for 12 months after you receive it when considering your eligibility for SSI and monthly SSI payment amount. If you received any advance monthly CTC payments, be aware of when you received them. You can get that information from the IRS Child Tax Credit Update Portal.
How do I claim the CTC?
You can claim the CTC when you file your federal tax return for 2021. You can visit ChildTaxCredit.gov for options to file a federal tax return for free.
What if I have questions about the CTC?
Please visit ChildTaxCredit.gov and read IRS Filing Season 2021 CTC Questions and Answers if you have questions. Social Security can’t answer CTC questions.
The Earned Income Tax Credit
What is the Earned Income Tax Credit (EITC)?
The EITC provides low- to moderate-income workers and families a tax break. If you qualify, you can use the credit to reduce the taxes you owe – and maybe increase your refund. The EITC amount you might get generally depends on your earned income and the number of your qualifying children.
Am I eligible for the EITC if I get Social Security or SSI?
Yes, if you meet the qualifying rules of the EITC. Receiving Social Security or SSI doesn’t affect your eligibility for the EITC.
Do my Social Security Disability Insurance (SSDI) or SSI payments count as earned income for the EITC?
Learn if your disability payments count as earned income for the EITC at the IRS’ Disability and the Earned Income Tax Credit webpage.
How do I claim the EITC?
To claim the EITC, you must qualify and file a federal tax return. You can visit ChildTaxCredit.gov for options to file a federal tax return for free.
What if I have questions about the EITC?
Learn more about the EITC, including basic qualifications, at the IRS’ Earned Income Tax Credit webpage. Social Security can’t answer EITC questions.
Your Annual Social Security Benefit Statement
What is the Benefit Statement and what do I do with it?
Your Benefit Statement is a tax form from Social Security that shows the total amount of Social Security benefits you received in the previous year. It’s also referred to as an SSA-1099. Noncitizens who live outside of the United States receive the SSA-1042S instead of the SSA-1099. You should report the amount of Social Security income you received to the IRS on your federal tax return.
The Benefit Statement isn’t available for people who only receive SSI payments because SSI payments aren’t taxed.
How do I get my annual benefit statement?
If you receive Social Security benefits, we mailed your Benefit Statement to your address on file with us. If you didn’t receive it, or if lost, you can get your SSA-1099 or SSA-1042S instantly online with a my Social Security account.
Remember to Check your Earnings History
If you don’t receive Social Security benefits, this is a great time to review your earnings history by looking at your Social Security Statement (Statement). It’s important because your future Social Security benefits will be based on your earnings history we received from the IRS. Underreported earnings will mean lower monthly benefit payments when you are ready to start receiving them.
Use your Statement to review your earnings history and to see personalized benefit estimates so you can plan for your future.
Tax season doesn’t have to be a stressful time of year. And for many people, it’s an opportunity to claim additional money. Thanks to the American Rescue Plan, more Americans can claim larger Child Tax Credits and Earned Income Tax Credits for 2021.
Please share this blog with family and friends and remember that Social Security is here to help secure your today and tomorrow.
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Tags: General Information, my Social Security, my Social Security account, Social Security benefits
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Darlynda Bogle, Acting Deputy Commissioner for Communications
Darlynda Bogle, Acting Deputy Commissioner for Communications
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virginia V.
I am having a terrible time logging in, I need my 1099 today to file for an extention since I can not locate my 1099. could someone get back to me please…
Ann C.
Hi, Virginia. We are sorry to hear that. For your security, we do not have access to private information in this venue. Since your situation is time sensitive, you may wish to contact or visit our local Social Security office. Most local offices have resumed in-person service for people without an appointment. Customers who walk in without appointments may encounter delays. Visit How to Get Help from Social Security to learn more, including what to know if you need to visit an office. We hope this helps.
CHRISTINA R.
How do I increase my Federal tax percentage?
Pam S.
Christina – if you want Federal taxes taken out of your SS check, go to the IRS website and print off form W-4V – (Voluntary Withholding Request – fill it in, select the percentage of your SS check you want withheld and then mail it to your local SS office (or you can take it in, but geez loueez – gas prices are more than the stampp)
Ann C.
Hi, Christina. Thanks for your question. In order to have taxes withheld or to change the amount of your withholding from your Social Security benefit, you must start by printing, completing and submitting an IRS Voluntary Withholding Request Form (Form W-4V). On this form, you can choose to have 7, 10, 12, or 22 percent of your monthly benefit withheld. The Form W-4V (to withhold federal taxes from your Social Security benefits) can be returned to your local Social Security office by mail. See our Benefits Planner: Withholding Income Tax From Your Social Security Benefits web page for more information. We hope this helps.
Kirstie K.
I need a 1099 for taxes but can’t log onto my social security account. Can’t remember password. Help
Ann C.
Hi, Kirstie. We are sorry to hear that. If you created a my Social Security account before September 18, 2021, call our dedicated my Social Security Hotline at 1-800-772-1213, and say “helpdesk” at the voice prompt. The help desk is available to callers between 8:00 a.m. and 7:00 p.m. (Eastern Time). For additional information on how to request a replacement SSA-1099/1042S for Tax Year 2021, check out our Frequently Asked Questions. You also may be able to request a replacement SSA-1099 by using our automated telephone service at 1-800-772-1213. Our automated services are available 24 hours a day. At the prompt, indicate that you’re requesting a replacement SSA-1099. We hope this helps.
Sharon N.
When will my social security benefit be increased to include social security deducted from 2021 earnings?
Ann C.
Hi, Sharon. Good question! Each year we review the records for all Social Security recipients who work. If your latest year of earnings turns out to be one of your highest years, we refigure your benefit and pay you any increase due. This is an automatic process, and benefits are paid in December of the following year. To learn more about how work affects your benefits, check out our publication, How Work Affects Your Benefits. We hope this information is helpful.
FIDELIA N.
I need a copy of my 1099 form today.
Ralph
Log in to you ssa.gov account and you will be able to see all of them.
If you do not have account create it and you will be able to see your earnings record and all 1099s
Ann C.
Hi, Fidela. Thanks for visiting our blog. You can request a replacement SSA-1099/1042S for Tax Year 2021 by visiting your personal my Social Security account. If you are not able to use your personal my Social Security account and since your situation is time sensitive, you may want to visit your local Social Security office. Local offices have resumed in-person service for people without an appointment. Customers who walk in without appointments may encounter delays. Visit How to Get Help from Social Security to learn more, including what to know if you need to visit an office. We hope this helps.
FIDELIA N.
How do I know the amount of benefit I received in 2021.
FIDELIA N.
How do I know the amo
Timothy J.
I need a replacement 1099 form to file my disabled daughter’s taxes. Used her online SS account without success. Please help me ASAP.
Ann C.
Hi, Timothy. For additional information on how to request a replacement SSA-1099/1042S for Tax Year 2021, check out our Frequently Asked Questions. You also may be able to request a replacement SSA-1099 by using our automated telephone service at 1-800-772-1213. Our automated services are available 24 hours a day. At the prompt, indicate that you’re requesting a replacement SSA-1099. If your request is time sensitive, you may wish to visit your local Social Security office. Most local offices have resumed in-person service for people without an appointment. Customers who walk in without appointments may encounter delays. Visit How to Get Help from Social Security to learn more, including what to know if you need to visit an office. We hope this helps.
John F.
Ive called 3 times for a 1099 form from my Supplemental Security Income and still have not received it. It’s Bull!!! Taxes are due tomorrow and I have to do them asap!!!
John F.
Can you please call me at 4017717385? I need my 1099 forms from my Supplemental Security Income and I called,3 times for them. Taxes are due tomorrow. Please call me for the information or email me at taylorsusan340@gmail.com with the information. Thank you very much
Susan H.
You can print them or save them to your computer from myssa.gov, under replacement documents.
Ann C.
Hi, John. Thanks for visiting our blog. Since your situation is time sensitive, you may want to visit your local Social Security office. Local offices have resumed in-person service for people without an appointment. Customers who walk in without appointments may encounter delays. Visit How to Get Help from Social Security to learn more, including what to know if you need to visit an office. We hope this helps.
Ann C.
Hi, John. We are sorry to hear that. Since your situation is time sensitive, you may want to visit your local Social Security office. Local offices have resumed in-person service for people without an appointment. Customers who walk in without appointments may encounter delays. Visit How to Get Help from Social Security to learn more, including what to know if you need to visit an office. We hope this helps.
Marcy R.
What is the cap on Soc Sec benefits if you are at full retirement age? Born 1951. Do I have to pay taxes if making 42k?
Ann C.
Hi, Marcy. It sounds like you are asking about working while receiving Social Security retirement benefits. In the year you reach full retirement age, we deduct $1 in benefits for every $3 you earn above a different limit. In 2022, this limit on your earnings is $51,960. We only count your earnings up to the month before you reach your full retirement age, not your earnings for the entire year. Beginning with the month you reach full retirement age, your earnings no longer reduce your benefits, no matter how much you earn. For more information, please visit our Receiving Benefits While Working page.
You must pay taxes on your benefits if you file a federal tax return as an “individual” and your “combined income” exceeds $25,000. If you file a joint return, you must pay taxes if you and your spouse have “combined income” of more than $32,000. If you are married and file a separate return, you probably will have to pay taxes on your benefits. For more information, visit our Benefits Planner. For tax questions, you will need to contact the IRS. Their toll-free number is 1-800-829-1040 or you can visit their website. We hope this information is helpful.