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wait so is it the box 1 wages or the box 3 ss wages that count? im still confused
For the Social Security earnings test, you generally need to count gross earnings, which would align more closely with Box 1 (wages, tips, other compensation) plus any pre-tax retirement contributions. Box 3 (Social Security wages) already has certain pre-tax deductions removed, so it's not the right number to use for the earnings test in most cases. This is a common point of confusion because the terminology is similar but the calculations are different for different purposes.
Thank you all for the helpful responses! I clearly misunderstood how this works. We'll go back and check his actual gross earnings to make sure we're tracking correctly for 2025. And we'll be setting aside some emergency funds just in case we accidentally go over and have to deal with benefit withholding. It's frustrating that something seemingly simple gets so complicated. Hopefully when he reaches Full Retirement Age in a few years, we can stop worrying about all this earnings limit stuff!
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My friend says shes getting 3700 a month from social security, is that even possible??? seems way too high
The maximum Social Security retirement benefit for someone at FRA in 2025 is around $3,800/month (for someone who earned at or above the maximum taxable earnings limit for 35 years and waited until FRA to claim). So yes, it's possible, but quite rare - less than 1% of beneficiaries receive amounts that high. The average benefit for 2025 is closer to $1,900/month. Your friend might be including other benefits or income in that figure.
Thanks everyone for the great responses! This has been incredibly helpful. Just to summarize what I've learned: 1. Yes, the SSA will recalculate my benefit even before FRA if my current earnings replace a lower year 2. Any increase will still be reduced by my early claiming penalty 3. The earnings test reduction is temporary and gets factored back in at FRA 4. The recalculation happens automatically each year For anyone else wondering about this - this thread has great info! I'm going to try calling SSA to confirm my specific situation. If I can't get through I'll check out that Claimyr service mentioned above.
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Just remember SSA doesn't actually send ANYTHING monthly. They aren't like a utility company sending statements. Online is the way to go now. My parents still get confused about this too
Thank you everyone for your help! I found what I needed by clicking on the actual payment amount in my MySocialSecurity account as several of you suggested. I can now see the breakdown showing my Medicare premium and tax withholding for each month. This will be perfect for our tax planning. I appreciate all the quick responses!
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theres actually a form you need to get - i think its W4-V or something close to that. You pick the percentage you want taken out. My sister had a heart attack when she got a $4000 tax bill her first year on SS!! dont let that happen to you!!
It's Form W-4V (the V stands for Voluntary). And you're limited to requesting 7%, 10%, 12%, or 22% - you can't choose any random percentage. Just clarifying in case anyone's looking for the form.
I'm still confused about how they tax Social Security in the first place. I thought we already paid taxes on our earnings before paying into the system?? So isn't this double taxation?? And with these new tax brackets I'm hearing about for 2025, will that change how much of my benefits are taxed? Sorry to hijack your thread but this whole system is so confusing.
The taxation of Social Security benefits is definitely confusing! Up to 85% of benefits may be taxable (not 100%), which partially accounts for the fact that you paid FICA with after-tax dollars. Whether your benefits are taxed depends on your "combined income" (AGI + non-taxable interest + 50% of SS benefits). For individuals: Below $25,000 = 0% taxed; $25,000-$34,000 = up to 50% taxed; Above $34,000 = up to 85% taxed. The 2025 tax changes mainly affect income tax brackets, not specifically how SS benefits are taxed. But if they change your overall income level, that could indirectly affect SS taxation.
Amara Okafor
One more important detail: If your ex-husband is now past his Full Retirement Age (FRA), any adjustment would be effective from the month of application (with up to 6 months of retroactive benefits possible). If he's still under his FRA, different rules apply and he might face additional reductions for claiming early. The GPO reduction (2/3 of his government pension) applies before any age-based reductions. So if his government pension is substantial, it might eliminate any potential ex-spouse benefit entirely, regardless of the WEP changes affecting your benefit amount. When he contacts SSA, he should specifically ask for a comprehensive benefits calculation taking into account: 1. His own earned benefit (already reduced for early claiming) 2. Potential ex-spouse benefit based on your record with updated WEP calculation 3. GPO reduction based on his non-covered pension 4. Any Medicare premium penalties he's currently paying
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Miguel Hernández
•This is incredibly helpful - thank you! He's 68 now, so past FRA. His pension is around $2,300/month, which I know will substantially reduce any ex-spouse benefits. I'll tell him to ask for this comprehensive calculation exactly as you described.
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Liam Murphy
does anyone know if theres gonna be another WEP reform bill this year?? i keep hearing congress might change the rules again
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Sasha Ivanov
•There's always legislation being proposed, but nothing has passed yet. The Social Security Fairness Act has been introduced again to eliminate both WEP and GPO, but I wouldn't count on any changes soon. Best to work with the current rules for now.
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