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Keisha Thompson

Can I claim both parents as dependents on my tax return?

I've been going in circles trying to figure out a tax question and hoping someone here can help me make sense of it. I'm wondering if I can claim both of my parents as dependents on my taxes. My situation: - My parents are both US citizens with valid SSNs - They're married to each other - They've been living with me in my house for the entire year - I cover way more than half of their expenses (housing, utilities, groceries, medical bills) - They filed their taxes jointly this year - When they filed, they didn't check the box saying they could be claimed as someone's dependent I tried using the IRS Interactive Tax Assistant tool, but I keep getting different answers. Then I asked two different tax preparers and got contradicting advice! One said I could claim both as qualifying relatives, the other said I could only claim one of them because they're married and filed jointly. Has anyone dealt with this before? I just want to make sure I'm doing this right and not missing out on deductions I'm entitled to. Thanks for any help!

Paolo Bianchi

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Yes, you can claim both parents as dependents! This is a common misconception that trips people up. Since your parents meet the qualifying relative tests (US citizens with SSNs, lived with you all year, you provided more than 50% of their support), you can claim both of them - even though they're married and filed jointly. The key is that each parent individually must meet the criteria for a qualifying relative. The confusion might be coming from the income test. For 2025, your parents' gross income must each be less than $5,100 (this number adjusts annually) to qualify as your dependents. If they both have income below this threshold individually, you can claim both of them, regardless of their filing status. The fact that they didn't check the box saying they could be claimed as dependents isn't ideal, but it doesn't automatically disqualify you from claiming them. They should have checked that box if they knew you would be claiming them, but this is fixable - they could file an amended return to correct this.

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Thank you for the helpful info! I should have mentioned their income situation - my dad receives about $18,000 in Social Security and my mom gets around $12,000 in Social Security. They don't have any other income sources. Does Social Security count toward that $5,100 gross income limit? Also, what documentation should I keep to prove I've been supporting them? I pay the mortgage, utilities, and groceries from my checking account, and I cover their medical bills too.

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Paolo Bianchi

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Social Security income is generally not counted toward the gross income test for qualifying relatives unless your parents are required to file a tax return. For most Social Security recipients with no other income, their benefits are not taxable and don't count toward this limit. Since this is their only income, they likely pass the gross income test. For documentation, keep records of all housing payments (mortgage/rent, utilities, insurance, repairs), food expenses, medical costs, and any other support you provide. Bank statements showing these payments, receipts for major purchases, and medical bills are all good to have. Also document any income they receive to show the proportion of support you're providing versus what they can provide themselves. A simple spreadsheet tracking all these expenses throughout the year will be very helpful if you're ever audited.

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Yara Assad

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Hey there! I was in a very similar situation last year with my in-laws living with us. I was getting conflicting advice from every tax pro I talked to and was about to give up when I found this AI tool called taxr.ai (https://taxr.ai) that specifically analyzes dependent eligibility. I uploaded my documents and answered a few questions, and it confirmed I could claim both in-laws despite them filing jointly. The tool explained that the "married filing jointly" confusion comes from a misunderstanding of the support test - each person needs to be evaluated separately for the qualifying relative tests. The report it generated laid out exactly which IRS rules applied to my situation and even cited the specific sections of IRS Publication 501 that cover multiple dependents within a married couple. I printed it out and keep it with my tax records just in case of an audit.

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Olivia Clark

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Is it legit though? I've tried so many tax tools that give me generic answers that don't address my specific situation. Did this actually give you personalized guidance or just general information?

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I'm curious if it helped with any other complex tax situations? I've got a complicated situation with claiming my nephew who lives with me part-time and my dad who I support financially but lives in his own apartment.

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Yara Assad

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It's definitely legit! Unlike general tax prep software that asks basic questions, this analyzed my specific documents and circumstances. It identified that my father-in-law's pension income was below the threshold while my mother-in-law's part-time job income was right at the limit, and explained how each impacts dependent eligibility separately. For complex situations like yours, it's perfect. I've used it since for questions about claiming education expenses for my adult child and home office deductions. The platform analyzes multiple scenarios and shows you the tax implications of each option, with specific citations to tax code. It's like having a tax pro who actually takes the time to understand your unique situation.

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Wanted to update after trying taxr.ai for my complicated dependent situation with my part-time nephew and dad living separately. THANK YOU for recommending this! The tool walked me through specific questions about physical custody percentages for my nephew and the support calculations for my dad. It turns out I CAN claim my dad even though he doesn't live with me because he falls under the exception for parents, but my nephew situation was more complex because of the custody arrangement with my sister. The analysis broke down exactly how much support I needed to document to meet the 50% threshold, and gave me a checklist of records to keep. Saved me at least $1200 in tax liability that my regular tax software wasn't catching because it wasn't asking the right questions about my situation!

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Amina Diallo

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Amina Diallo

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I need to eat my words and apologize to whoever recommended Claimyr. After posting that skeptical comment, I decided to try it anyway because I was desperate to resolve an issue with a missing tax refund from 2022. I've literally tried calling the IRS 30+ times over the past few months without getting through. Used Claimyr yesterday and had an IRS agent on the line in 22 minutes. TWENTY-TWO MINUTES! The agent was able to locate my missing refund and confirm it was being processed after they found my amended return that had been sitting in a backlog. For the original poster - I asked about the parent dependent situation while I had the agent on the phone (since I might be in a similar situation next year) and she confirmed you CAN claim both parents as dependents even if they file jointly, as long as you provide more than half their support and they each meet the income requirements. She said it's a common area of confusion even among tax preparers.

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GamerGirl99

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Something important that hasn't been mentioned yet - there's a special rule for married dependents. If your parents filed a joint return, you can only claim them as dependents if they weren't required to file a return and only filed to get a refund of taxes withheld. With the Social Security income you mentioned, they probably weren't required to file (since most Social Security isn't taxable). But if they filed for any other reason besides getting a refund of withheld taxes, you might not be able to claim either of them. Also, make sure their gross income (not counting Social Security) is under the threshold ($5,100 for 2025). Each parent needs to meet this test individually.

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Thanks for bringing this up! They only filed because my dad had a small amount of taxes withheld from a one-time pension distribution. They weren't required to file otherwise. Would I need some kind of documentation from them stating they only filed to get a refund? Or is their tax return itself sufficient to show this?

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GamerGirl99

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Their tax return itself should be sufficient documentation since it would show the withholding that led to the refund. The key thing to look at is Line 24 on their 1040 - if it shows federal income tax withheld and that's basically what they received as a refund, you're good. For extra protection, keep a copy of their return with your tax records. If you ever get audited, this demonstrates they only filed to receive withheld taxes. Also, having a statement from them acknowledging you provided over half their support wouldn't hurt - there's no official form for this, but a simple signed statement can be helpful documentation.

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I had this same issue! The form where you list dependents (Form 1040) doesn't limit how many dependents you can claim. You just list them all in Part I of the dependent section. One thing though - are you sure you want to claim them? By claiming them as dependents, you might be messing up their ability to get certain tax credits or benefits that they'd qualify for otherwise. Have you checked if this could affect their situation negatively?

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This is a really good point. My mom and I learned this the hard way last year. I claimed her as a dependent (which saved me about $600), but it made her ineligible for the retirement savings credit which would have been worth almost $1,000 to her. We basically lost $400 as a family by me claiming her. Definitely look at both tax situations together before deciding!

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Great question! I went through this exact situation with my parents two years ago and can confirm you CAN claim both parents as dependents even though they're married and filed jointly. The key things to verify: 1. Each parent individually meets the gross income test (under $5,100 for 2025) 2. You provided more than 50% of their total support 3. They lived with you for the full year 4. They only filed their joint return to get a refund of withheld taxes From what you've described, it sounds like you meet all the criteria. The Social Security income likely won't count toward the gross income limit since it's typically not taxable at their income level. One tip: create a simple spreadsheet tracking all the support you provide (housing costs, utilities, food, medical, etc.) versus any support they provide themselves. This documentation will be invaluable if you're ever questioned about the dependency claims. Also, double-check that claiming them won't disqualify them from any credits or benefits they might be eligible for independently - sometimes the family saves more money overall by not claiming the dependents if they qualify for certain credits on their own return.

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