Will these Social Security changes impact you in 2026?
As you already know, this pattern never goes away, and the new year comes with changes in Social Security! January is the month that brings a couple of fresh rules regarding Social Security, and they include check amounts, taxes, credits, and, last but not least, new retirement age rules.
Understanding these updates is essential for strong retirement planning and exploring options like the best annuities for retirees.
Why do you need to be aware of all of these changes? Because this gives you a huge advantage and might help you save more money in the long run. For example, this is your chance to see if the new adjustments make you eligible for various benefits. If you can make some profit out of this, why wouldn’t you do it, right?
Many seniors also review Medicare Supplement Insurance plans during these changes to reduce health-care costs in retirement.
What is essential to know is that these changes are happening regardless of political results. But you still need to keep an eye on what changes might happen in 2026.
Read on and discover what the new year brings for your Social Security!
I am a retired teacher. How will I know if I get the SSA benefits ? I earned my 40 before I went in to teaching.
Why is there numerous sites that want us to listen to a video that goes on and on forever and says literally the same thing. Just give us the gimmick and we will buy or not. I am forever turned off by the many of such advertisements. I am sure that I have missed something helpful because of all these kinds of advertisements.
Social Security payments are from the money that workers paid into it. The government should not have a say as to it leaving, how it is taxed, or any other changes. If the government needs money, have the Governors, Senators, and Representatives start looking at the old commitments that each state has been collecting money on and find out if it is legitimate. So many things have been kept on the books and are not even in existence any more. How about working on finding the phony line items in the budget, cleaning up the books, and leave the retired worker social security alone?
Exactly!
William Turner IV here, and I’m in total agreement with your statement of Standards.
thank you for your post. As it is most refreshing to hear from someone with principals.
Thank you Marsha
So when the Biden Administration lied about our inflation rate, our COLA stays low…
Everything doubled and tripled in price over Trump 45… Thanks Joe… In fact thanks for all these things… More stupid stuff Trump needs to fix… Good news is we have at least 4 affordable years coming now…
Don’t feel bad i moved back to Virginia Beach because I can’t afford a place to live and food and I have COPD. my husband passed away so I don’t get much
Look into survivor benefits. If you’re not yet collecting, you can put kt off till you’ll maximize your benefit and get your husband’s benefits until then!
Another one having no clue what is going on, always blaming others for Trump.
Biden never lied stop the fucking insanity! You voted for the sociopath what are you ignorant?
No, but you obviously are…
Surely you jest! Eggs were $12.99/dozen yesterday!!
Trump is a moron and cares nothing about you or this country. Time to wake up and see the light.
you do realize that inflation did not go up until Trump took office. Please someone. Please just do it
What didn’t Biden Administration lie about?
Hopefully, Trump will be able to fulfil his promises. But unfortunately, the Deep State and the Dem party it has been affiliated with have too many options to prevent Trump from all good things he has been pushing for, or at least to slow down the progress in hopes some Dem comes to power in 2028 and they will credit themselves for the progress they are so viciously stalling now.
HA HA HA HOW DO LIKE OUR NEW PRESIDENT Elon Musk???
You are crazy as hell,chump not fixing nothing he is only destroying this country, are you saying thousands of people losing there jobs is a great thing,how is it great?
Geez, is everything Biden’s fault! We had the best global economy that was the envy of the world after covid and the inflation rate was coming down when Trump took over. Now look at it. Oh yeah, Trump is really fixing it. He is having Musk dismantle Social Security. Thanks Trump!!
What happened under Biden was a direct result of Trump’s economic stupidity & COVID. He also let over 1 million people die due to COVID. So do a fact check. Biden Admin did not lie about the inflation rate & the US was in the best position, in spite of Trump’s economic woes & Covid, than any nation in the world. And inflation was controlled to deter recession & depression, which you can now expect under Trump, an economically challenged moron.
And Biden opened our borders to every criminal from other countries, for votes. He couldn’t get them the honest way, so he tried to buy votes… that alone is Treason and you condone that??
So glad Trump is going to fix it so these corrections are permanent and future generations will not have to watch the Democratic party undo things again. God bless Trump and his administration.
Good to know Trump is going to make permanent the corrections he has made. Future generations will not have to worry if the Democratic party gets in again and dismantles everything the Trump administration is doing.
How stupid can you be. Trump is going to fix nothing. Prices have not gone down and they are not going to. WAKE UP…….
Your definitely wrong, no more need for criticism, Trump has already done his part to ruin us. Inflation came after Covid people trying to catch up on what they lost. Biden was great.
This is the dumbest comment i’ve read on social security in a while! Congrats!
trump is the worst potus in US history. Pedophile, felon, and two time impeached clown idiot. Inflation is the worst in US history, unemployment is high….WORST potus in history…and you typed like you love this clown. A pedophile is the worst type of human…and you voted for this idiot…WHAT DOES THAT MAKE YOU…A PEDOPHILE, two time impeached, felon lover.
Hey Bill! Just wait and see what happens in the next four years.
biden is living rent free in your head
Only in yours.
In my lower intestine maybe
At least he has a head for it to live in
Exactly
Nice try comrade….Nothing much went up under Biden except for eggs. I don’t eat them so no big deal. Now beef under the orange idiot. Thru the roof under his watch….
Yes things did go up under Biden!!! Look again!!!
That convict in white house and his puppets on the string have you all lost.. Jim Crow 101!
Not like they have in the last eight months. Republicans are in denial.
Whoa Boomer Dave were you even awake during the Biden shit show? I know you didn’t make that statement with a straight face. You had me there for minute, good one Dave, I bet you’re a riot at parties.
You are full of shit and a typical dumbass Democrat!! I hope you all rot in hell. It is where you belong!
I found that which media we look at and perhaps “assume” it’s true, makes a difference.
In fact, under biden, inflation rose to 20% between 2021-2022. Remember when biden told us he would not raise taxes on people whose incomes were under $400,000? What do you think inflation is? The average household in 2021 paid an extra $9,000-11,000 out of pocket for food, utlities and rent to cover the added cost of inflation. And by the way, guess who voted twice to raise SS taxes, once to 50% and again to 85%, while he was a Senator from SA?
I think you need to check your facts, because none of that happened. But prices are surely going up now that dumbt is in charge. And they’re going to get a lot worse. Once his tariffs kick in
Thanks for standing up for President Biden. Trump took credit for the great things President Obama did and the great things he did like, he got rid of them. The great things his followers said Trump did in his first term was what Obama did. The first term his followers said Trump did great things at that time but they could name over one thing he did. As with my first amendment speaking in my opinion, I believe true. Trump has a mental issue.
You are not very bright are you? When energy prices go down, everything goes down, under Biden inflation. Was through the roof, everything went up, not just eggs. Get an education!
Bill C.did you all of a sudden forgot how bad that dumb president of yours messed up the first time he was in office and now he really put his foot in his mouth by putting tariffs on other county and them putting it back on us prices go up for all of us he will put United States in a recession
Sure…..watch Trump pile MORE “stupid stuff” on. All Trump knows to do is make wild promises, promise them “soon” or “within two weeks”, and NEVER DELIVER. Better keep an eye on SS and Medicare……..
You’re full of shit too Debra. Why don’t you go back and finish elementary school because obviously you see only one side of the story. You watch only the mainstream legacy media news stations and your brains have been washed with evil and hatred. You all deserve hells fire and brimstone!!! And all of you lame brains are headed straight to the pits of hell. Have fun and languish in your hatred while you are weeping and gnashing your teeth!!
The Congressional Budget Office projects that the tariffs enacted from Jan. 6 through Aug. 19 will drop the deficit by $3.3 trillion if the higher tariffs persist from 2025‒2035.
That’s complete BS and you know it.
Isn’t that the truth? Sadly, I/we have not seen any decline in anything to date. Food keeps going up, gas is ridiculous, and every time you get mail or a message from someone you’re doing business with, they remind you your bill will increase by xyz.
You notice that each year, the COLA amounts to about the same as the cost of Medicare, leaving us with no actual increase. Why do we have to pay for Medicare?
The whole political spectrum lied to us about everything. This current administration intends to milk us for every remaining dime we have. They spin it as though they are doing us a favor, it is going to cost us in the long run, I advise waiting until October/November which is when they announce COLA to know for sure, just a thought.
You wrote this craziness 3 days after he took office. It’s August now. Prices are sky high, crops are rotting on the ground because immigrants are afraid or being placed in concentration camps. We have alienated our allies and thrown the global market into chaos due to the inept belief that tariffs are paid by other countries. Much like the Mexico will “pay for the wall” mantra. You still feel good about Trump now?
Sure…..watch Trump pile MORE “stupid stuff” on. All Trump knows to do is make wild promises, promise them “soon” or “within two weeks”, and NEVER DELIVER. Better keep an eye on SS and Medicare……..
Question? You said… (4) affordable years coming in with Trump? Boy! You’re lying as much as the New Administration. Soooo tell us…When is it going to start? Well, you hang in there on stupid! Because you’re getting just what you voted for!
How stupid are you hope you can see fully the real truth now.
I notice that you posted this in January, before the trump took office. How do you feel NOW? He hasn’t kept ANY promises he made to get elected. The cost of groceries, gas, utilities, medical care is through the roof. I can’t afford the meat I bought before, and other groceries are jumping up in price by 2.00 or so. This administration is the worst in history. As long as he gets to golf, accept a jet, and sell out to Putin, you are perfectly fine with all of it. He’s selling all of us out, but it’s okay if the Constitution and the Bill of Rights are destroyed, along with Democracy. WAKE UP!
I Agree! Things will level off then start climbing up for us True American Patriots… all research and evidence shows this! The Golden Age! It’s COMING!!! I’m excited to actually see results and SOON!!!
when will no tax on ss go into effect!!
That depends on the state you’re in sweetie…not all of us get our SS taxed
once congress reviews debates and approves. Good luck
I thoughts exactly. The joke is on us. There’s no more money because they’ve given it all away to people that didn’t have the right to take any money from it. Now they’re trying to push back the age when the baby boomers can get access to it. Sad, we’ve worked and had no choice in paying into this fund, and now they’re trying tell you no no not yet. But like you say to the people that have Never put one penny into to SS, can get a check no problem, no age restriction. But they need to keep the checks rolling so guess who has to keep working. We believed the lie, now it’s in jeopardy and it may not be there for the people that actually paid into without a choice. Wow, we should be the ones that absolutely get a check no matter what happens.
When Congress passes it and the president signs into law. Technically only half should be tax free (the employee’s portion because it was taxed at the time it was withheld).
Never. The liar didn’t have it in the bill.
Hopefully when you file your 1040 next year. Then on the form should be no taxes for Social Security. I hope the next time I won’t have to pay taxes like I did this year.
This is a great question, because I too am looking for the justification in the government and feel if we can pay into a fund that prepares us for this time, and pay taxes on it as they take out every year and once we are finally old enough to get the $ we paid into, well haven’t we already paid our dues with the government holding our money for sooooo many years. Tired of this financial slavery.
Not during Trumps life
Interesting that major changes occur when “baby boomers” are seeking to receive SSA based on an assured plan that others have enjoyed. I have always believed that SSA problem is the free funds given away called SSI. Most recipients of SSI have NOT paid a penny into the system but yet they collect money based on COL increases.
Some are just born w/birth defects due to Mom drugs, alcohol, cigarettes, life style choices and lack of prenatal care; some receive & never worked because of addictions that have them handicapped; some may have paid in system but due to handicap from wrong choices not enough paid in due to poor work history for SSA. legitimate hard working people who paid faithfully are penalized because of where they worked yet they paid SSA faithfully. the system is NOW unfair, people are being cheated and no one (politicians esp.) care as they do not need SSA. What a real trick or
lie the Government has successfully played on baby boomers!
Wfw I’m glad you’ve been fortunate enough , so you don’t need additional money every month ! I worked and paid SSI for years too! But I don’t resent anyone needing extra money! I tell myself, I have what I need, so I will help those who don’t .
No I’m certainly not rich, I live on my Social Security benefits also .
You have a very strange way of thinking… Programs for the disabled are necessary for 1 & not ENUF to live on 2ndky… You go thru Drs and the court in front of a judge and more than 1 medical expert must agree!! The $$ helps them stay off the streets too…they must live with someone for the most part anyways..
Wow! Do you have any idea what you’re talking about?!? Both me and my son are getting SAA benefits for REAL birth defects, that have not been due to drugs, alcohol or anything else that you have mentioned, but were born with them. People like you are biased and are what my dad would call closed minded. Actually my defect wasn’t diagnosed until I was working for 7 years and was told to stop working or it will totally paralyze me. And I never touched alcohol or anything like that when pregnant with my son but he was born with multiple problems, and it hasn’t been easy for my family and SSA has been our main way of paying our house rent and basic daily bills and food. But you do have a point about half the people that get benefits from drugs and alcohol- I know a few of them that need to be taken off the program and be put in some sort of treatment and find work. But from now, just please think before you say things?
When the title of your post refers to 5 major changes in SS, one expects to see, somewhere in the post, a reference to at least one small change in SS that did not take place early in the previous calendar year….
Many whites were bought over here to enjoy what they built off of the backs of slaves. This foundation is built off of murder and deceit. We originally owned the earth and unless we take it back then we will be lead to our own death much like Jonestown. They will kill before they allow the masses to really wake up. Even right now they give to whites around the earth that support a reality things we have to work for. That is why we fund Israel. That is why the killers from South Africa were bought here and the people of the nazi Ukraine. We suffer because of the people who rule the world with deceit and murder. No one is able to stand up to them right now.
As for those people born with birth defects, that is why they killed Jesus and covered up real blackness. Now instead of humans, beast rule.
It’s funny you mention the people who are disabled collecting SSI and most have never paid in but you failed to realize there are thousands of people who have died before reaching retirement age and never collected a penny of what they worked all of their life paying in to SS so the scales balance out!
Las personas mayores, que reciben un retiro mínimo, y a los cuales le compensan con la SS, desgraciadamente con la inflación, el costo de la vida, los aumentos en servicios,víveres, alquileres abusivos. apenas podemos llegar a din de mes. Se que somos muchos, pero necesitamos ayuda, es importante que miren hacia nosotros, los mayores, los que trabajamos mucho honradamente. Deben ayudarnos!!!!! Lo necesitamos mucho!!!! Graciassss!!!
That is true except for the generalization about the cause of disabilities. What a moron
Youre a voice of reason in a sea of confusion and stupidity
I’ve worked since I was 16 until 61 yrs of age I retired early at 62, Im Now 72 drawing early retirement SS, as I am now disabled.
I paid my dues got nothing for free never have.
Most of what you say is true; however, if the US stopped involving itself in so many overseas wars and stopped funding other countries’ internal conflicts, perhaps there would be enough money to take care of its own issues and people.
“Just born with defects”? What a heartless ghoul you are. In other countries in the world, EVERYONE is cared for. What REALLY irritates me, is the fact that Women only make 78 cents compared to the $1,00 a man makes. This greatly affects how much Social Security we get. This is unacceptable. I am a degreed person, with lots of corporate experience, and a computer systems analyst. The ONLY place that pays women the same, is the government, but who knows what will happen with this administration?
Why do I even look at this. You have the article… I start to read it and then it’s gone. What the hell! Why don’t you just have the WHOLE article!
Retired teacher who worked many jobs during the summer months and paid into social security. I was informed these changes
will allow me to receive benefits from social security that I did not have before. My teaching career was in Ohio at Lake Local Schools in Millbury Ohio with one year at Willard City Schools in Willard, Ohio. Was this information I received Correct?
Dennis Sandwisch
I am 75 years old disabled and been living on my disability which is a little over 1400 a month with this new math I got a check today for a 900 . I can not even pay my rent on that. So God help me if this is the way they are going to better the income of the disabled elderly. Just leave the system alone you crazy criminals ever dang one of you
Please I’ve been paying Social Security and Medicare since 15 years old now I’m disabled and need my benefits, I have 2 serious terminal illnesses,and need if any thing more in my monthly check I’m barely getting by my rent is more then my monthly check and my son helps me ,please don’t cut any of my SSD check ,I’ve worked hard all my life ,and am ill now and don’t need to stress about being homeless, I have enough stress as it is ,PLEASE DON’T CUT MY SSD I NEED IT TO SURVIVE 🙏🏼✝️🙏🏼✝️ DAVID H
Yikes, so sorry to hear you are so sick! You definitely need help and probably comfort. May the knowledge that God’s rulership over the earth, that we pray for at Matthew 6:9,10, encourage you, as it will solve all the problems we are currently enduring!
Nobody is cutting SSi, DemocRats are lying saying the are cutting SSI watch real news Real Americas Voice, Fox Will keep you informed, One America New is great OANN. Elon is going after fake people collecting SSI not regular people. DemocRats are fear mongering telling people Trump is going after SSD. Don’t Worry
Please people stop listening to these Democrats that are trying to take down Trump. Trump will not touch Social Security. He’s only going after the fraud people 300 years old collecting and over 110 collection they’re just trying to scare you stop it calm down you will not lose your Social Security if you’re supposed to be on it Trump will not take Social Security away. He’s only going after the fraud stop listening to these Democratic stations three 610 all these ABC NBC CNN they’re all liars.
Don’t give up writing your congressman! Advocate and also trust that God sees your situation. Never give up.
Wow did you not NOTICE that almost every other country out there has come around to President Trumps way of thinking ??? Are you dense…. ??? He only was trying to protect the American citizens… Not that you would understand…. I can sense you are probably like a few members of my family who were broad sided by false news on ABC , CBS, NBC, MSNBC …, CNN, but we watch all channels …yes Fox news, but we also watch CNN and we are 2 very intelligent humans who look at both sides!!! You should really investigate before commenting about falsehoods because we at least did our due diligence and looked up information. My family has been Democratic and Republican because we researched … I don’t want my granddaughter going into her bathroom and finding a male peeing in there exposing himself there or in the Gym shower. Our school District in Central Bucks, Bucks county Pa. Found they had ONE Transgender child in the school, but an adult Trans person took over and attacked the district and rumours went flying , lies Spread, but the truth was they were also pushing for very disturbing school books in their Library where my fourth grade grand daughter could bring a book home to read that showed filthy photos of a male peeing on another child, and vulgar photos but drawings where disgusting photos showing sexual acts and these are drawings of fourth and fifth graders contribute to acts of filthy displays that I can’t even mention or I will vomit. Please do your research!!!!
Why didn’t you mention a BIG change for 3 million people affected by WEP?
The government spent our taxes but now I cannot pay my bills and groceries. They don’t care as long as they get their $180,000 a year. Probably never worked a day punching a clock. Let’s not even talk about spouses. We are paying taxes for them to have face lifts. They don’t have to worry about anything. Suicide is better than living $1200.00 a month you’ll see a lot of our seniors make this decision. It’s bad out here!!!
Hide sight – Trump has never been poor nor had to struggle 1 day of his entire life.
Connie the Republicans have done all of that to the nation. I just home a third party, that believes in democracy can be in power then the Autocratic, republicans, Nor the, to liberal democrats, will not have a voice in the destruction of this nation.
You’re a fucking dumbass. Go back to school and you’ll see how the Damnocrats are the ones that are destroying democracy. Get your piece of shit head out of the sand and start watching real instead of fake news. It’s the damnocrats who want to control you. They want to tell you what kind of cars you can have and can’t have, what kind of appliances you can have and can’t have, where you can live and not live. They want to control every aspect of your life. It’s pieces of shit like you that will keep us locked in under the socialist/communist rule of the damnocrats if you don’t get your ugly piece of shit head out of the sand and start getting a grip on what’s really going on in the socialist/communist Damnocrat partry. Hope you rot in hell bitch!!
As a Senator representing DE, a state with a sizable retired population, biden voted to increase SS taxes twice, once to 50% and again to 85%. He served in the Senate for 47 years and did absolutely nothing to sponsor legislation to reform Social Security. We’ve had both Republican and Democrat controlled Congresses, both parties have kicked the can down the road. But you can blame Johnson for being the first President to raid the Social Security “trust fund” to pay for his Great Society Programs.
Well it seems like no matter what you do to make yourself happy you can always do something to make yourself feel better. The people in this world who are making all of these erroneous decisions are not thinking about all of us only their select group of people that they want to be part of the injustice of the world to continuously make themselves better and the rest of us just suffer. We all should have equality the same way as everyone else in the world. Being a senior is not a privilege but a right to choose to be treated equally as others. Sometimes we cannot go and get employed because of our abilities to be treated differently than others but we are entitled to our rights and freedoms to choose what we want and what we need.
so true
Hi … do I need to file income tax for my social security benefits separate from my local tax filing?
when will i get my w-2 or 1099?Gil grant 5183194022
Social Security should Not be taxed, it’s our money!
The Government has already taken a “tax” out of our paychecks so a tax now out of our SS checks is “DOUBLE TAXATION” !!!
When will the federal govt pay back the 2.8 and 2.9 trillion it stole from the trust for its pet projects? Not to mention interest on those funds ….if they had not been stolen the retired could get an increase to make life affordable.
Right on! We paid into it pre-retirement and it is not the government’s money to withhold from us. Feels like a plan to get rid of we boomers quickly. We are threatened by our govt stealing OUR money. How many of us are struggling at >100% BELOW the Fed Poverty line? Can you afford food and medical costs and housing? And what happens when this administration of rich criminals takes away what we worked for all of our lives?
Exactly
I agree because we have already paid taxes on the money we got through working all those years .
I dont get enough to ever retire. I will die at work. At 67will go back full time I started drawing at 63because at 67 my payment would have been 1,450.00 or so which is not enough to get by. I started drawing at 63 and plan never to retire. So just keep sending my check and you won’t hear from me again because all my questions have been answered. I will leave my email and name if you ever have any questions for me feel free. PS. You should let me buy real supplements with flex cards, such as super greens or balance of nature red and green. Thank You. Sincerly, Ronald F. Sullivan Jr
I understand. I worked in il I was 70! I collected at 70! I’m retired❤️
Mr. Sullivan
How can you draw and work? Will be 61 this year investigating working and draw within the next couple of year.
Yea The Truth Hurts Don’t it.
When will we see the additional money for the Windfall tax?
I believe we should have 401K taken out as soon as work is started because people do not save enough for retirement and then complain their social security isn’t enough to live on when it was never meant to live on. It was meant to be a part of your retirement. I use to try to teach employees their need to save in 401K and 457b but people would not listen. Now, for many it’s too late. People must start immediately to save in different accounts to have enough to retire. Start early as possible even a small amount started early can make a huge difference. I also feel we should have another health care taken from paychecks called LTC ins to help with Long Term Care in elderly years. This would be a help to those who need home healthcare in elder years.
I feel you. I been working since I was 15 yrs old as well. They took my social security back a few months ago and had to fight to get it back. I was so stress out but by the time they gave it back I became homeless. Now is impossible for me to get into a place that I can afford because the rent has increased so much. On top of it all they want 2 times of the rent or higher so I don’t qualify. The places I do qualify they have huge waiting list. It has been years now and I am still WAITING. This is so sad that they don’t do something about affordable housing.
🙏🙏🙏🙏 for you.
Que cambios son..
No dice nada.
Seeing is believing….According to the Republicans in the House they will have to cut into SS, Medicare and Medicaid in order to pass Trump’s agenda….Open your eyes this is what’s happening and the only way to stop this is to chronically complain to all Republicans Reps in all states…No one not even the President should be allowed to comprise what we paid into our SS and our benefits so he can get tax cuts for the rich…This is true Fascism…
My sentiments exactly!
I worked since I was 16 I babysitting before I was 16 and picked cotton but at 16 I started working in a sawmill then shirt factory and for the government making body bags helmet covers all during desert storm great pay but I got hurt at the factory in 1992 I had to have rods and screws in my low back and tail bone I well earned it and I got cut a 98 dollars out of my check this year beside Medicare I’m struggling and need help not a cut in my SSA or it to be taxed on it
I paid in to SS for over 50 years that’s money I worked many long hours for Trump you have no right to take that way from me same as medicare just to give tax breaks to your wealthy friends. If you do I could loose my home that I still pay a mortage on as well as medical help for needed test. We are not garbage that you can throw away after using.
I paid in to SS for over 50 years that’s money I worked many long hours for Trump you have no right to take that way from me same as medicare just to give tax breaks to your wealthy friends. If you do I could loose my home that I still pay a mortage on as well as medical help for needed test. We are not garbage that you can throw away after using.
Trump said there will be no taxes on Social Security, no taxes on tips when does that go in to effect?
When the elected public servants in the House & Senate support him.
Right about the same time as that wall gets built that Mexico is paying for.
If it ever goes into effect it will have to wait until the wealthy get even more.
What No Tax on Tips Does
To start, the “no tax on tips” provision of the OBBBA, Section 70201, isn’t a tax exemption—it’s a deduction. Specifically, it is an above the line deduction of up to $25,000 for tips received in the course of ordinary employment, as long as they are voluntary and properly reported. Like the overtime deduction, this one is also temporary: it applies through tax year 2028.
It is also gated. Tips must be reported on a W-2 or other IRS-recognized form, and the job must be one that customarily receives tips—the Treasury Department will be issuing guidance fleshing out that latter bit. If you work in hospitality, you will probably qualify. If you’re a flyfishing instructor collecting Venmo payments and occasional cash thank-yous, maybe not.
What the 2025 law actually did — and didn’t — change
On July 4, 2025, President Trump signed what he dubbed “The One Big Beautiful Bill,” touting it as a historic win for seniors. He claimed it would eliminate federal income taxes on Social Security benefits. But tax professionals and policy analysts say that’s not what the law actually does.
Social Security benefits remain taxable — up to 85%, depending on income.
There is no specific exemption for Social Security income.
The bill did create a new tax deduction for older taxpayers: the “senior bonus.”
What is the “senior bonus” deduction?
The senior bonus is a temporary, age-based deduction of up to $6,000 for individuals aged 65 and older — or $12,000 for qualifying married couples filing jointly.
Key rules:
Available for tax years 2025 through 2028
Phases out starting at $75,000 MAGI for singles and $150,000 for joint filers
Ends entirely at $175,000 (single) and $250,000 (joint)
You must file jointly to qualify as a couple
Not available to taxpayers under 65
It’s a deduction, not a credit, meaning it reduces taxable income — but does not eliminate tax liability on its own.
When do no taxes on ss starts
Per the big beautiful bill Its no taxes on tips or overtime. I am not aware of anything official that says no taxes on social security, though its been requested often but not granted. I would guess that takes effect in calendar year 2026 when you file your 2025 tax return, but i haven’t seen an effective date from the IRS yet.
Never! That no taxes on social security was said to get our vote. As many other things that was said. It was a tool he used to become President. The prices was suppose to come down. Now the prices are higher and Seniors are suffering.
Don’t hold your breath whatever you do…
Social Security is my Lifline
Historically there have been other governmental groups have borrowed from the SS fund and never repaid what they borrowed. The government could go back to review all the borrowing and get the info. That Borrowing should never have dipped into the SS funds. Had they kept their fingers out of our fund, we would not be in the situation of the fund run out of funds today. Make the rich pay more into the fund. If necessary, the current rate could be increased by 1% and would all money to the SS fund would be a sensible manner to make the funds in a better situation.
I not staying in USA and I’m paying medicarebut can’t use it out the USA. Can’t I stop my medicate?
Trump said no taxes on SS.
I’ve paid my dues as a worker in construction for 30 years. My body is worn down with arthritis in the fingers, a long with knees, shoulder, hands, elbow pain constantly. I decided to take my SS at 65. Now I need that!! I helped build America, I am entitled to my SS. That’s just the way I see it.
SS is my lifeline, I am 71 , all of my living expenses depends on SS. I worked all of my life and paid into SS . I never received assistance from anyone and is partially handicapped. But if SS is removed, and I never had kids to take care of me. I never ask for anything except my hard earned money I worked so May year for.
Trump isn’t cutting social security. What Musk is doing is getting rid of all the fraudulent accounts. There are accounts for people 120-160 years old and in differe countries that are getting our social security. And this money was going on the demorats pockets. That is the only things they are getting rid of. President Trump is only helping Americans, he’s not taking from them.
Is that .mostly retirees are moving out of state because they cannot afford to pay rent to survive with there retirement.
I am on SS it’s not enough to pay rent and buy food for my
Self. I have my husband in memory care. Because I can’t
take care of him. I have gone thru all of our savings to pay
For him. I had to sell our house that we lived in for 53 years
And move to a different state. Leave all my friends and now
I am starting all over at 79 years old. Sometimes life is not
Fair. I need my SS and my husband’s SS with the price of
Drugs and everything else it is so depressing please don’t
Get rid of SS. We seniors need it.
This breaks my heart, sweet lady. I wish the best for you and your husband. The thing that really bothers me about our Country is hard working people like you and your husband who paid taxes, bought a house, did the right thing have had to sell your home so he could get assistance and care in a memory care home. If you two hadn’t worked hard nor owned a home, you would have more than likely got free or no/low cost care for him! They reward those who sponge off of the taxpayers and don’t work, but yet, citizens who work get the shaft!
I take care of my best friend and my Veteran husband.( whom now has dementia as will as other military disabilities. They only pay him 40% I don’t get any pay or benefits taking care of him. I have been a military dependent all my life, just to be thrown out an forgotten. I only get 943 a month for SSA. WE BARELY MAKE ENDS MEET, BUT ITS LKE NO ONE CARES. PLEASE HELP US.
Thank Trump(the convicted felon) and President Elon Musk (the non citizen)for wanting to take our SS that is OUR money we contributed and not a Ponzi scheme, Medicare and Medicaid, for threatening to take our money so the billionaires won’t have to pay their fair share of taxes. But what do you expect from a convicted felon. He should not have been voted in the presidency.
I can not retire on my ss I have worked full time as a nurse .I am 72 and still work full time.I have a mortgage and a second mortgage also between health care supplement .dentist bills.high cost prescriptions and auto insurance we are barely making it.Now I have to pay 5800 I owe to the IRS.How much more can I handle.
Karen – my ex spouse didn’t pay our taxes for 10 years. We would complete and sign the forms, and then he wouldn’t send them to the IRS. When I left, I was homeless, and had to get 2 jobs to get back on my feet. Then, the IRS informed me about $25,000. owed in back taxes. I told them what happened, and they got my share down to $10,000. I went to the IRS Office that is separate from the regular IRS. I worked out a plan with them to make payments, and they stopped the interest from compounding. The service is free, and they really helped me.
I hope this information will help you too.
The main thing is to talk to them. Avoiding the issue never works.
I can remember My great grandma living with my grand parents and my grandparents being helped by my uncle and my parents. Kids do not help their parents any more. SS was not intended to be our only income. It never was structured that way. We are having trouble now in our 70s because inflation has killed our savings. Hopefully our current government can get it under control God knows the past government did not care at all. My family has all been democrats. Anyone who votes for a democrat now is a fool. Just look at how much of our tax money has been given to stupid stuff which was implemented originally by the democrats. It may be too late but lets pray that Trump does a better job then Biden.
I am a 69-year-old female, and I retired four years ago after working for the Veteran’s Affairs Hospital for 35 years. I collect Social Security and Retirement Benefits. I started working when I was 14 years old, for 55 years of my life, I have been working and paid into the systems. It’s sad that we are at this stage in our lives that we may have to find a part time job to survive and pay our bills. This is what congress needs to be working on instead of sending money to other countries, take care of home first. The cost of food, living expenses and health care are ridiculous, let’s take care home first and work on these issues.
Fix all our problems make Washington live by the laws the rest of poor folks live under
Our voting population have to stop believing democrat lies. If you think they even consider you in any of their actions you should know better. The law of economics are you cannot spend more than you earn. Democrats have ruined SS and keep telling you the republicans are going to take your SS away. The sooner we wake up to the fact democrats lie and only care about themselves the sooner things will get better. Democrats always keep things stirred up because they only win when things are bad. Want to stop the bad? Stop electing democrats.
Double taxiation will never go away. As a retired government worker and someone who has worked since the age of 14 and I am now 69 years old, I had to go in and increase the amount of taxes taken out of my retirement and social security, it was either that or pay a big tax bill. The cost of health care and medications are unaffordable for some people. When will we start to take cared of home first and not send our money to other countries to help them, when we need help ourselves.
I am 63 and receive $174 SS a month. I was a stay-at-home mom with 3 kids. My husband claimed our 3 kids and me on returns. I cannot draw on his SS because we got divorced after 9 years and 7 months. I have lived in this house with my husband and 3 kids for over 20 years, but that didn’t count. Now I take care and live here still cause my ex-husband had a double stroke that fried part of his brain. I can’t live anywhere else. i can’t afford it and i can’t work due to a very bad back so I am just screwed but thankful i get what i get it’s better than nothing altho that’s what i get nothing.
How about something President Trump mentioned: No tax on income as prior to WW1
I get $1587.00 SS a month. After $187.00 is taken out for Medicare part B. I don’t pay rent or a house payment.
But, I barely make it every month. I can hardly buy groceries.
If I had to pay rent or a house payment, I wouldn’t make it at all.
How does an elderly person get by?
Especially, those unable to work, anymore.
I am 69 yrs old, a widow, have to live with my son and his wife. the little bit social security gives me won’t pay rent any where I only get 597.00 a month. And I have COPD
It’s a joke what little money we get and how do they think we can live off of it? With everything going sky high prices except the money we are given to live off.
Inflation is so out of control and President Trump promised he would fix. I don’t know what we are going to do with all our bills and medication we have to buy. We were supposed to get lower premiums on car insurance but we are not when we drive less but that’s not happening. We can’t afford to to do anything anymore because our social security cola is so low and then you raise our Medicare premium and so we don’t get a raise. And you raise our Medicare part B deductible. Going to the store is a joke we can buy much so we just do without.
very sad life, not enough my ss.
BULL SHIT , BIDEN WAS TELLING THE TRUTH ,, THAT WORTHLESS trumpSCUM HAS LIED ABOUT EVERYTHING , AND YOU ARE LYING ALSO , JUST KEEP KISSINGtrumpSCUMS ASS !
You keep thinking and talking like that and you’ll always be a nobody just like you are now. Rot in hell you socialist/communist retard. It is where you belong!!
Why you blaming Trump for the mess that we’re in right now between the wars he inherit the gas prices I don’t know if you forgot the last 4 years gas prices what’s the problem then delivery trucks of course delivering food was the next problem. it is only 7 months Trump is trying toto make things good again when he was in office last time but then again we’re living in the day where good is bad in bad is good to some people. Social security was always a problem it not enough to live on
I am 72 years old and trying to get my on $1463 a month. Besides rent phone and life insurance.
Trump lied as always so get over it and fight against the MAGA movement as it is just an autocratic militaristic regime starting to get a foot hold on our democracy
LOL!! Nothing worse than a Democratic, liberal leader as it will ruin this country and the economy. Get over yourself and your hatred for Trump. You and the liberal movement is what will ruin this country.
Well said
The first mistake is people dont save or invest enough. There are a lot of cost coming down, just takes time.
The fact is our government got us into this mess, yet we look to them to get us out. The first mistake was when they were allowed to dip into our funds, promising to repay with interest, and run such a high deficit they were unable to. They scream we’re running short on funds and must do something, changing the full retirement age so we would work longer for more tax revenue. They use the excuse that people are living longer, without a mention of all those who paid in and died of disease or accident without drawing a dime. They tell us it’s crucial to have a solid savings or retirement account, unable to live on SS alone, for more tax revenue when we withdraw without a government dime invested. We pay in our entire working careers for the benefit, not entitlement, to sustain a living when we’re no longer able to work and earn our living. It’s a little ironic when they freely handed out our tax paid benefits to millions of illegals, while we continued getting our checks except with inadequate cost of living increases. Where did all that money appear when they screamed a shortfall, giving us checks a notch above poverty. And then, we have to pay Medicare premiums to keep the system from going bust handing our money over to illegals, without a dime of tax paid in by them. President Trump called for no tax on SS recipients, that ended up with a four thousand dollar reduction because the Senate allowed an installed Democrat parliamentary to gut most of the BBB. Instead of voting her out with a simple majority, RINO Thunes said he would respect her for calling the shots. We elected the Senate yet they allow an unelected appointee to tell them how to do their job. If after all the deportation, with the waste and fraud they found within the SS system, and we don’t get the livable benefit we paid for, just know our SS system is corrupt to the core and generations to come after will be starved out. Greed is ticket to Hell.
Well said SAM
I never quite looked at all the reasons for this mess that government got us into but I personally thank u for writing in and I hope EVERYBODY READS THIS POST !!! I STAND ALONG SIDE U WITH THIS POST AND UR WORDS THANK U FOR OPENING MY EYES A BIT MORE !
Plese contat me and help me, I am 74 years old and have 32 cuotas I need 8 more to retired and get minmum or whaever. Can I get paid now and get some, I haveno work and leaving in tough situatio down in Panama canal…those that know what to do help, social security tld me to work two more years and get retirement, but I cant go back and relocate,it takes to much mney to do that and I dont have it…Please help, My name is Ansemo Matovani my email pupi3000@yahoo.com
Thanks and God bless
Would it do any good to quit working and get social security disability if I turn 62 next September? I know I would qualify having degenerative discs, spinal stenosis, epilepsy etc.