Social Security: Use this IRS form to withhold federal income tax
Social Security: Use this IRS form to withhold federal income tax

Social Security: Use this IRS form to withhold federal income tax


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When applying Social benefits, you can request to have federal income tax withheld from your payments. But if you are already receiving benefits or wish to make changes, the Social Security Administration recommends completing Form W-4V from the Internal Revenue Service.

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Federal income taxes are typically paid on social security benefits if you have other significant income in addition to your benefits, such as salary, self-employment, interest, dividends, and other taxable income. You may have to pay federal income tax on your Social Security benefits if you:

  • Submit a federal tax return as an individual. If your total income is between $ 25,000 and $ 34,000, you may have to pay income tax on up to 50% of your benefits. If it’s more than $ 34,000, up to 85% of your benefits may be taxable.
  • Submit a joint return. If you and your spouse have a total income of between $ 32,000 and $ 44,000, you may have to pay income tax on up to 50% of your benefits. If it’s more than $ 44,000, up to 85% of your benefits may be taxable.
  • If you are married and file a separate tax return, you may have to pay tax on your services.

You can find and download Form W-4V at IRS.gov or call the IRS toll-free number at 1-800-829-3676 and request Form W-4V, Voluntary Detention Request. If you are deaf or hard of hearing, you can call 1-800-829-4059.

If you do not get your federal income tax withheld from your benefits, you must make quarterly estimated tax payments

You must also choose the percentage of your monthly benefit amount that you want to withhold. The SSA states that you can have 7, 10, 12, or 22 percent of your monthly benefit withheld from federal income taxes. Flat dollar amounts are not accepted.

Once the form is completed, return it to your local social security office via email or in person. If you want to make changes in the future, fill out a new Form W-4V.

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About the author

Josephine Nesbit is a freelance writer specializing in real estate and personal finance. She grew up in New England, but is now based in Ohio, where she attended Ohio State University and lives with her two young children and fiancé. Her work has appeared in print and online publications such as Fox Business and Scotsman Guide.


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