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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Ed S.
My wife passed away Dec. 6, 2021. I am now doing my taxes. Her SSA-1099 has not arrived. How can I get a copy of her SSA-1099?
Ann C.
Hi, Ed. We are sorry to hear about your loss. The SSA-1099 is mailed to the last address in our records and is intended for the spouse or executor of the deceased. If you did not receive the benefit statement, you will need to contact your local Social Security office with proof of death and proof of executorship. An SSA-1099 can also be given to someone receiving benefits on the deceased beneficiary’s record such as a spouse, parent, or child of the deceased. If you need more information, call our toll-free number at 1-800-772-1213 (TTY 1-800-325-0778) and ask a representative for assistance. We hope this helps.
Matthew F.
Do I need to report income from my spouses new job. And will it affect my medical coverage for disability?
Ann C.
Hi, Matthew. Thanks for your questions. Supplement Security Income benefits can be affected by income. The Supplemental Security Income (SSI) program is a needs-based program that pays benefits to disabled adults and children who have limited income and resources. SSI benefits also are payable to people 65 and older without disabilities, who meet the financial limits. Social Security Disability Insurance (SSDI) benefits, on the other hand, are based on earnings and are not subject to income and resource limits. Income does not affect Medicare coverage but may afffect Medicaid eligibility. If you are entitled to Medicaid, you you will need to call your state medical assistance office. To get the local phone number, call the Centers for Medicare & Medicaid Services at 1-800-633-4227 (TTY, 1-877-486-2048). We hope this helps.
FaraSaliceti
According to Social Security I’m not able to file a non file with tax because I receive SSI, which means that I can not receive my third stimulus check???
I have not received my EIP-3 because IRS requires to have my SSA-1099 and social security system does not deal with the EIP-3 but does with the SSA-1099, so instead of bouncing me like a ping-pong ball get me the form SSA-1099 to be able to file it with the IRS.
Been dealing with this problem since May 2021 by phone and no one wants to help me with this situation.
HELP!!!
Ann C.
Hi, FaraSaliceti. The SSA-1099 isn’t available for people who only receive Supplemental Security Income (SSI) payments because SSI payments aren’t taxed. Please visit the IRS website for all your Economic Income Payment-related questions. If you are unable to find the answer, call the IRS hotline at 1-800-919-9835. We hope this helps.
Noman B.
I needy ssa 1099 information for box 5 and box 6. I have been on hold nearly a hour now. I’m sitting in my car in the rain outside the AARP VITA TAX office they need this information in order to complete my tax. The form was never mailed to me
Thanks for helping
Ann C.
Hi, Noman. We are sorry to hear that. For your security, we do not have access to private information in this venue. If you still need assistance, you can request a replacement SSA-1099/1042S for Tax Year 2021 by visiting your personal my Social Security account. 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.
robert h.
If i wanted my ss benefits to be taxed how do i go about doing this?
Robert E.
I want my benefits taxed. How can I do this?
lona
submit form W-4V
Ann C.
Hi, Robert. Thanks for your question. In order to have taxes withheld 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.
lona
submit form W-4V
rodney J.
i want to file mt w4 for tax purposes
Ann C.
Hi, Rodney. It sounds like you are referring to voluntary tax withholding. In order to have taxes withheld 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.
Robert Z.
I would like to increase my income tax withholding. How do I do this.
Ann C.
Hi, Robert. Thanks for visitng our blog. In order to have taxes withheld or to change the amount withheld 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.
Ann C.
Hi, Robert. Thanks for your question. In order to have taxes withheld 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.
Lorraine R.
My name is Lorraine Rodriguez in El Paso TX and want to know why your downtown SSA office never answer their phone, specifically A. Torres at Ext. 21512. She sent me a threatening letter reference my SSI benefits being taken away and I have trying to respond.
Ann C.
Hi, Lorraine. We are sorry to hear about your experience. We apologize for any problems you may have when you call us as we modernize our telephone system. We are working with our telephone system providers to fix these issues. Local offices have also 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. Finally, you can submit feedback by visiting our Contact Social Security page. Once there, select the “Email Us” link. This will take you to the “Email A Question to our Support Team” form where you can complete and submit a compliment, complaint, or suggestion. We hope this helps.
Cyndy S.
I need a W2 form to submit joint taxes with my husband, we are expats in Africa for 3 years. I haven’t been able to access my online account. What should I do?
Ann C.
Hi, Cyndy. To check the status of a W-2, you should contact your employer’s human resource or personnel office. If you are referring to the SSA-1099 and you are living outside of the U.S., please contact your local Federal Benefits Unit for any assistance related to Social Security benefits. Also, our Office of International Operations home page provides more information to assist our customers living abroad. We hope this helps.
Daniel O.
Just started receiving Social Security Benefit. Should there be a tax withholding or should I or will I be required to pay taxes on my benefits?
lona
There is not tax holdings on SS, andno you are not expected to pay taxes on your benefits
Oatricia
Hello Iona,
Jumping into this info given, do I pay Taxes in California? I’ve been given so many different responses to this California Social Security ?? I don’t want to be surprised with a $$$. Thank you,
Patricia
Ann C.
Hi, Daniel.Thanks for your questions. In order to have taxes withheld 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.
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.
Izetta H.
Why do I pay taxes on my disability Social Security?
lona
submit form W-4V
Walter H.
I’m not sure what letter or letter/number combination to put following my SSN on Form W-4V, line 4. I am trying to sign up for federal income tax to be withheld from my Social Security Benefits.
Ann C.
Hi, Walter. Thanks for visiting our blog. You will complete the form with your own personal Social Security number. See our Benefits Planner: Withholding Income Tax From Your Social Security Benefits web page for more information. We hope this helps.