Can I submit Social Security tax withholding forms online or need to visit SSA office?
My mom just started receiving her SS retirement benefits last month (YAY!) but now she's concerned about income taxes. She's still working part-time and wants to have federal taxes withheld from her Social Security payments. Do I need to drive her all the way to the local SSA office to fill out the tax withholding paperwork? Their phone lines are impossible - been trying for 3 days! I'm hoping there's some way to submit this online because she has mobility issues. Does anyone know if the W-4V can be submitted electronically or if there's an online portal for this specific thing? Thanks in advance!
18 comments
Lincoln Ramiro
You don't need to go to an SSA office for this! Your mom can complete Form W-4V (Voluntary Withholding Request) to have federal taxes withheld from her benefits. She can download and print the form from the IRS website, fill it out (she can choose 7%, 10%, 12%, or 22% withholding), and then mail it to her local Social Security office. Unfortunately, SSA doesn't currently allow electronic submission of the W-4V form - it must be mailed or delivered in person. If she has a my Social Security account, she can't submit the form there, but she can see other tax documents like her SSA-1099 benefit statement when tax season comes around.
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Henrietta Beasley
•Thank you so much! That's really helpful. I was dreading having to take her to the office. I'll download the W-4V form tonight and help her fill it out. Do you know if we need to include anything else when mailing it to the local office?
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Faith Kingston
my aunt tried doing this online last yr and couldnt. had to print form and mail it. took foreeeever to process tho, like 6 weeks!!! might wanna do it asap if ur mom wants withholding for this tax year
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Henrietta Beasley
•Oh wow, 6 weeks? Thanks for the heads up - I'll definitely get this done this weekend then. Did your aunt have any issues with her first withholding amount or did it all work out correctly once processed?
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Emma Johnson
Actually, I think you CAN do this online now! I just helped my father-in-law set up tax withholding through his my Social Security account last month. They've updated some features recently. Have her log in (or create an account if she doesn't have one) and look under the Benefits & Payments section. There should be an option for tax withholding preferences. Much easier than the paper form route!
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Liam Brown
•I'm afraid that's incorrect information. The SSA does NOT currently allow you to set up or change tax withholding online through my Social Security accounts. You can view tax documents and get replacement 1099s, but withholding requests still require the paper W-4V form. This is straight from their website as of 2025. Please be careful about spreading misinformation as it can cause confusion.
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Emma Johnson
•Oh gosh, I'm so sorry! You're absolutely right. I just double-checked with my father-in-law and what we actually did was download the W-4V form through his account, but then had to mail it in. My mistake! Thanks for the correction.
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Olivia Garcia
I HATE dealing with SSA paperwork!!! spent 4 hours on hold last week just trying to get someone to explain my medicare premium increase. absolute nightmare. who has time for this??
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Noah Lee
•I used Claimyr last month when I needed to talk to SSA about changing my direct deposit info. Got connected to a real person in under 15 minutes! Saved me hours of frustration. They have a video showing how it works at https://youtu.be/Z-BRbJw3puU and their website is claimyr.com. Not sure if it would help with your specific Medicare question, but it's way better than sitting on hold all day.
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Olivia Garcia
•never heard of that before. sounds interesting, will check it out. anything is better than the SSA hold music for 4 hours straight!
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Ava Hernandez
Just a thought - your mom might want to calculate whether she actually needs withholding from her SS benefits. Depending on her total income, she might not need to withhold anything from SS specifically. My mom was withholding unnecessarily for years and basically giving the government an interest-free loan until tax time! She now just adjusts her withholding at her part-time job instead.
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Henrietta Beasley
•That's a really good point! Her part-time job only pays about $14,000 a year and she gets around $1,950 monthly from Social Security. I'll help her run the numbers before we submit anything. Thanks for the suggestion!
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Liam Brown
To directly answer your question - no, you cannot currently submit tax withholding requests for Social Security benefits online. Here's the exact process: 1. Download Form W-4V from irs.gov 2. Complete the form (your mom will need her Social Security number and to select a withholding percentage) 3. Mail or hand-deliver the completed form to your local Social Security office The processing time is typically 30-45 days for the withholding to take effect. For future reference, your mom can change or stop the withholding at any time by submitting a new W-4V form. If she hasn't already, I strongly recommend your mom create a my Social Security account at ssa.gov. While she can't submit the W-4V online, the account allows access to benefit verification letters, direct deposit changes, and address updates without calling or visiting an office.
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Henrietta Beasley
•Thank you for the detailed explanation! I'll help her set up that online account too. Would make things much easier going forward.
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Lincoln Ramiro
One more thing to know - if your mom is receiving both Social Security retirement and a pension from work where she didn't pay Social Security taxes (like some government jobs), she might be subject to WEP (Windfall Elimination Provision) or GPO (Government Pension Offset). This could affect her tax situation differently. Just something to be aware of when calculating her potential tax liability.
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Henrietta Beasley
•She worked in retail her whole life, so I don't think that applies to her situation. But thanks for mentioning it - I had no idea that was even a thing!
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Faith Kingston
btw my grandpa said if ur mom doesnt do withholding she might have to do quarterly estimated tax payments instead. just fyi. tax stuff is so confusing with ss benefits!!!
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Henrietta Beasley
•Oh that's good to know! This is all so complicated. I'll talk to her about whether quarterly payments might be better than withholding. Thanks for the tip!
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