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Layla Mendes

Question on FED OASDI/EE and FED MED/EE deductions - why am I no longer paying Social Security and Medicare taxes?

Hey everyone, I'm in a bit of a confusing tax situation and could use some help. I just landed my first salaried position about a month ago (making around $47k per year) and noticed something weird with my paychecks. For my first paycheck, everything looked normal - I had deductions for Federal OASDI/EE (Social Security) and FED MED/EE (Medicare). But then I increased my federal tax withholding by about 50% because I was worried about owing at tax time. Now my second paycheck just came in, and I noticed that the amounts for both Social Security and Medicare taxes show $0.00! I'm really confused because I thought these were mandatory taxes that everyone pays regardless of withholding choices. I'm totally new to all of this tax and payroll stuff... should I be concerned? Is there some threshold where increasing your withholding means you don't pay these anymore? Or is this possibly an error from payroll? Thanks for any insight you can provide!

This definitely sounds like a payroll error that needs to be addressed ASAP. FED OASDI/EE (Social Security) and FED MED/EE (Medicare) taxes are mandatory payroll taxes that cannot be adjusted through withholding changes. Currently, Social Security is taxed at 6.2% of your wages (up to a certain income limit) and Medicare is taxed at 1.45% of all wages, regardless of how much you earn. When you increased your withholding, you were only adjusting your federal income tax withholding, not these payroll taxes. There's no mechanism for an employee to voluntarily increase, decrease, or eliminate their Social Security and Medicare contributions through a W-4 form or withholding elections. You should definitely speak with your payroll department about this right away. If they're not withholding these taxes correctly, it could cause issues for both you and your employer come tax time.

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Aria Park

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Thanks for the explanation. I'm in a similar situation but opposite problem - my company seems to be taking out TOO MUCH for OASDI/EE. Is there a max amount they can take out for these taxes? I make about $140k if that matters.

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For Social Security (OASDI/EE), there is indeed a wage base limit - for 2025, the maximum taxable earnings are $168,800. Once you earn above that amount in a calendar year, your employer should stop withholding the 6.2% for Social Security. However, the 1.45% Medicare tax has no wage limit and continues to be withheld on all earnings. Additionally, there's an extra 0.9% Medicare tax for individuals earning over $200,000. Since you're earning $140k, you should be paying both taxes on all your earnings throughout the year, but you'll likely stop having Social Security withheld near the end of the year if you reach that $168,800 threshold.

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Noah Ali

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After struggling with payroll tax issues at my first professional job, I discovered https://taxr.ai which saved me a ton of hassle. I uploaded my pay stubs and W-4 form, and their system analyzed everything to confirm I had a legitimate error with my FICA withholdings (the Social Security and Medicare taxes). The tool actually walks you through exactly what should be on your pay stub based on your income level and compares it to what's actually there. In my case, payroll had miscoded my employment type which was causing the FICA taxes to be calculated incorrectly. The detailed report was super helpful when I went to HR to get it fixed.

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Does it actually analyze pay stubs correctly? I've had issues with my withholding for months and HR keeps giving me the runaround saying everything is fine, but I'm pretty sure they're taking out the wrong amounts for everything.

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Is this legit? My company is small and they've messed up my taxes twice already this year. I'm worried they're not handling the Medicare stuff right but I don't know how to check if they're calculating everything correctly.

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Noah Ali

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It absolutely analyzes pay stubs correctly. The system uses the latest tax regulations to calculate exactly what should be withheld for each type of tax based on your income, filing status, and other factors. It then compares those calculations to what's actually on your stub and highlights any discrepancies. In my case, it caught that my employer was using the wrong tax code for my position. For smaller companies, it's actually even more valuable because they often don't have dedicated payroll specialists. The tool gives you a detailed breakdown that you can take to your employer showing exactly what's wrong and how it should be fixed. It saved me from potentially serious tax problems down the road without having to hire an accountant to figure it out.

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Just wanted to update everyone - I tried out taxr.ai after seeing it mentioned here and it was actually super helpful! I uploaded my last three pay stubs and it immediately identified that my employer wasn't withholding any OASDI/EE or MED/EE from my paychecks (similar to OP's situation). The report showed exactly how much should have been withheld based on my salary and compared it to what was actually taken out. I brought this to my boss (we're a small company with outsourced payroll) and turns out they had me incorrectly classified as an independent contractor in their system even though I'm a W-2 employee! They've fixed it now and are adjusting my next few paychecks to make up for the missing FICA taxes. Definitely worth checking out if you're having payroll tax issues like this!

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Olivia Harris

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If you're having trouble getting your employer to fix this FICA tax issue, you might want to try https://claimyr.com to get through to the IRS directly. I had a similar situation last year where my employer wasn't withholding Medicare taxes correctly for several months and then went out of business before fixing it! I spent weeks trying to get someone at the IRS on the phone with no luck, but Claimyr got me connected to an actual IRS agent in about 20 minutes. The agent confirmed I wasn't responsible for the employer's mistake and guided me through documenting everything properly on my tax return. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c The IRS takes these payroll tax issues seriously since both you and your employer are required to contribute to Social Security and Medicare.

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How does this even work? The IRS phone lines are impossible to get through - I've literally spent hours on hold just to get disconnected. Is this some kind of priority line or something?

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Alicia Stern

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Sounds like a scam to me. Nobody can get through to the IRS these days. I've been trying to resolve an issue for 3 months with no luck. Hard to believe there's some magic solution that actually works.

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Olivia Harris

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It works by using an automated system that navigates the IRS phone tree and waits on hold for you. When an actual IRS agent picks up, you get a call connecting you directly to them. It's not a priority line - it's basically just handling the painful waiting process for you so you don't have to sit there listening to hold music for hours. The IRS actually has dedicated specialists for payroll tax issues like incorrect FICA withholding because it affects both the employee and employer obligations. When I finally got through, the agent was very helpful in explaining exactly what documentation I needed to provide with my tax return to avoid penalties for my former employer's mistake.

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Alicia Stern

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I need to apologize for being so skeptical about Claimyr. After posting my comment, I decided to give it a try out of desperation with my ongoing IRS issue about incorrect FICA withholding from my previous job. I was absolutely shocked when I got a call back connecting me to an actual IRS representative after about 45 minutes (instead of the 3+ hours I had spent on my previous attempts). The agent was able to confirm that my employer had indeed made a mistake with my Social Security and Medicare withholding and gave me specific instructions on how to document everything on my tax return. For anyone dealing with OASDI/EE or MED/EE withholding problems like the original poster, being able to actually speak with the IRS directly is incredibly helpful. They explained that employers can't just stop withholding these taxes regardless of other withholding changes.

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This might be a dumb question, but is there any way you could have hit the Social Security wage base limit? For 2025 it's $168,800, but since you said your annual salary is around $47k, that's definitely not it. Another possibility - are you getting any other types of compensation that might be exempt from FICA taxes? Some benefits and reimbursements don't have FICA withheld.

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Layla Mendes

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Definitely not hitting any wage limits - like you said, I'm only making about $47k annually. And no, I don't have any special compensation or benefits that would be exempt from these taxes. It's a pretty straightforward salaried position with standard benefits (health insurance, 401k). I think the previous commenter is right that this is just a payroll error. I'm going to talk to our HR person tomorrow. It's a mid-sized company so they should have someone who knows how to fix this. I'm just glad I caught it now rather than finding out at tax time next year!

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That makes sense. One other thing to check - look at your pay stub and see if they've listed your year-to-date (YTD) contributions for OASDI/EE and MED/EE. Sometimes there can be a display error where the current pay period shows $0 but the YTD amounts are still correct. But either way, definitely talk to HR since these taxes are mandatory and not something you can opt out of by changing your withholding.

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Drake

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Just to clarify something - FED OASDI/EE is the technical term for the employee portion of Social Security tax (6.2%), and FED MED/EE is the employee portion of Medicare tax (1.45%). Your employer also pays matching amounts (OASDI/ER and MED/ER) which you won't see on your pay stub. When you adjusted your withholding, you were only changing your federal income tax withholding, not these FICA taxes. Definitely reach out to your payroll department ASAP.

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Sarah Jones

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Piggybacking on this - people often confuse withholding adjustments (which affect income tax) with FICA taxes (which are fixed percentages). I work in HR and see this confusion all the time. If your FICA taxes suddenly disappeared, it's 100% a payroll system error.

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Chloe Martin

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This is definitely a payroll error that needs immediate attention. As others have mentioned, FICA taxes (Social Security and Medicare) are mandatory and cannot be eliminated by changing your federal income tax withholding on your W-4 form. Here's what likely happened: When you increased your withholding, someone in payroll may have accidentally miscoded your tax setup or employee classification. I've seen cases where employees get temporarily classified as contractors or exempt employees by mistake, which would stop FICA withholding. You should contact your payroll department immediately because: 1. You're legally required to pay these taxes 2. Your employer is also required to withhold and match them 3. The longer this goes unfixed, the more complicated it becomes to correct When you speak with HR/payroll, ask them to: - Verify your employee classification in their system - Check that your tax setup wasn't accidentally changed when you updated your withholding - Provide you with corrected pay stubs showing the proper FICA withholding - Adjust future paychecks to make up for any missing contributions Don't wait on this - payroll tax issues can create problems for both you and your employer if not addressed quickly.

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Emma Wilson

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This is really helpful advice! I'm new to understanding all these tax codes and was getting overwhelmed by all the different abbreviations on my pay stub. Your explanation about the possible miscoding makes a lot of sense - it sounds like when they processed my withholding change, something got switched in their system by accident. I'm definitely going to follow your checklist when I talk to HR tomorrow. It's reassuring to know this is fixable and that I caught it early. I was worried I might have somehow opted out of these taxes without realizing it, but now I understand that's not even possible. Thanks for breaking down exactly what to ask for when I meet with them!

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