How to find Medicare premium and tax withholding deductions on my Social Security statement online?

Yes, all of this information will be visible in your MySocialSecurity account once your benefits begin. After your first payment posts in April, you'll be able to see a benefit verification letter that shows your gross amount, all deductions (Medicare Part B premium, any tax withholding you requested), and your net benefit amount. You can access this by logging into MySocialSecurity and selecting "Get a Benefit Verification Letter" from your dashboard. The letter will show all current deductions. You can also view your payment history which will display similar information for each payment received.

mine doesnt show up right sometimes. the website is glitchy. sometimes i have to call them to find out the right amounts. good luck getting through tho!!!

I went through this exact process last year. Here's what will happen: 1. Your benefit verification letter will show all deductions, but it doesn't update immediately when payments start. There can be a delay of 1-2 weeks after your first payment posts. 2. If you set up direct deposit, check your bank statement - it will show the NET amount after all deductions. 3. For a complete breakdown, SSA sends a notice called "Your New Benefit Amount" (usually in December for the following year) that itemizes everything: gross benefit, Medicare Part B premium ($174.70 standard amount for 2025 unless you're in an IRMAA bracket), any Part D IRMAA if applicable, tax withholding percentage, and net benefit. 4. The most reliable place to see this monthly is the payment history section in MySocialSecurity after payments begin. If you need this information before payments start (for budgeting), call SSA directly and they can provide estimates of the deductions.

The payment history section is right on your dashboard when you log in. It's pretty easy to find. Regarding Medicare premium amounts - the statement will show your ACTUAL premium, including any IRMAA (Income-Related Monthly Adjustment Amount) if you're in a higher income bracket. So if you're paying more than the standard $174.70 based on your 2023 tax return income, that higher amount will be reflected. If you filed taxes jointly with income over $206,000 or individually over $103,000 (2025 thresholds), you'll likely see IRMAA adjustments. These change annually based on your most recent tax return the IRS has provided to SSA.

If you have trouble accessing your information online (which happens A LOT with the SSA website), I recommend using Claimyr to get through to a Social Security representative by phone. I was struggling with similar questions about my deductions and spent days trying to get through the regular SSA phone line with no luck. Claimyr helped me connect with an agent in about 15 minutes. They have a service that navigates the SSA phone system for you and calls you back when an agent is on the line. Saved me hours of frustration. Their website is claimyr.com and they have a demo video at https://youtu.be/Z-BRbJw3puU showing how it works. Worth it when you need specific information about your benefits that you can't find online.

ANOTHER THING TO KNOW - even after ur payments start, the online system sometimes doesn't update for 2-3 months! When I started collecting last year, my online account was saying I wasn't getting benefits AT ALL even though the money was coming to my bank account!! Drove me CRAZY! Called SSA and they said "oh yeah the system takes time to update" WHY DIDN'T ANYONE TELL ME THAT??? So don't panic if the online info doesn't look right at first.

One more important thing to note: If you ever need to change your withholding amount (federal or state taxes), you can do that online through MySocialSecurity or by submitting form W-4V. Changes typically take 1-2 processing cycles to appear. Also, at the end of January each year, you'll receive a SSA-1099 tax form that summarizes all your benefits and deductions from the previous year. This is what you'll use for tax filing purposes. This form is also available electronically in your MySocialSecurity account, usually by late January.

my brother just started getting ss too and he had to wait till the SECOND payment to see everything right. the first month was kind of a mystery lol. but now he can see it all fine

I've been getting Social Security for 3 years and I STILL get confused about where to find this info sometimes!!! The website is not user friendly AT ALL. For me, the easiest thing is to look at my bank statement and then look at the letters they send in the mail. I gave up on trying to navigate their website. Also - be prepared that sometimes the Medicare premium changes and they don't really warn you!!! Mine went up $23 this year and the only notification was buried in a letter with a bunch of other information. Aging in America, what a joy!!!

As someone who just went through the initial Social Security application process myself, I wanted to add that it's also helpful to screenshot or print your benefit verification letter once it becomes available in MySocialSecurity. I learned this the hard way when I needed the information for a loan application and the website was down for maintenance that day! Also, if you're like me and prefer having physical records, you can request paper copies of these statements to be mailed to you. There's an option in your account settings to receive paper statements in addition to the online versions. It takes a few extra weeks but gives you a backup when the website is being unreliable (which seems to happen more often than it should!). One last tip - if you notice any discrepancies in your deductions or amounts, address them immediately. I've heard from others that it can take months to resolve issues if you wait too long to report them.

Just wanted to share my recent experience since I started receiving benefits in January. Everything everyone has said about the MySocialSecurity website being unreliable is absolutely true! What I found most helpful was setting up text alerts for when payments are deposited - you can do this in your account settings. That way you know the payment went through even if the website isn't showing updated information. Also, regarding the Medicare premium deductions - if you're enrolled in Medicare Advantage or have supplemental coverage, those additional premiums won't show up on your Social Security statement since they're billed separately. Only the standard Medicare Part B premium (and Part D IRMAA if applicable) will be deducted from your SS payment. This confused me at first because I was looking for my Medicare Advantage plan premium in the deductions! One thing that really helped me was calling my local Social Security office directly rather than the national number. The wait times were much shorter and the staff seemed more knowledgeable about specific account details. You can find your local office number on the SSA website.

Just wanted to chime in as someone who recently started this process too! I'm 65 and filed last fall with benefits starting this January. A few things I've learned that might help: The MySocialSecurity mobile app actually seems to work better than the website for checking payment history and benefit details. I was having constant login issues with the desktop site, but the app has been much more reliable for me. Also, if you have a my Social Security account already set up, make sure your contact information is current before your first payment. I had an old email address on file and almost missed some important notifications about my Medicare premium changes. One surprise for me was that the tax withholding doesn't start immediately with your first payment - there can be a one-month delay depending on when your withholding request was processed. So don't panic if your first deposit seems higher than expected! The benefit verification letter that others mentioned is super helpful, but I also recommend downloading the SSA-1099 from previous years (if you were getting any SS benefits) to see the format of how everything will be broken down. It really helped me understand what to expect.

As a newcomer to Social Security benefits, I want to thank everyone for sharing their experiences! This thread has been incredibly helpful. I'm 66 and planning to file for benefits next month, so reading about all the potential website issues and delays has really prepared me for what to expect. A few questions based on what I've read here: For those who mentioned screenshot/printing important documents - which specific documents would you recommend prioritizing? And for the text alerts that @Malia mentioned, are those available for all account holders or do you need to set up something special? Also, I'm curious about the timing - it sounds like there might be multiple "first" payments as the system gets everything sorted out. Should I expect my actual benefit amount to potentially change over the first few months as deductions get properly applied, or does that usually get figured out before the first payment? Thanks again to everyone who has shared their real-world experience. It's so much more helpful than trying to navigate the official SSA information alone!

As someone who's about to start this journey myself (planning to file next month at 66), I wanted to thank everyone for sharing such detailed, real-world experiences! This thread has been more informative than anything I've found on the official SSA website. Based on everything I've read here, it sounds like the key is to have multiple ways to track your information - the MySocialSecurity account (when it works), the mobile app, paper statements, screenshots, AND keeping close track of your actual bank deposits. The redundancy seems necessary given how unreliable the online systems can be. I'm particularly grateful for the heads-up about potential delays in the online system updating, the distinction between Medicare Part B (deducted from SS) vs Medicare Advantage premiums (billed separately), and the tip about local SSA offices potentially having shorter wait times than the national number. One follow-up question: For those who've been through this recently, how long after your first payment did you feel like you had a complete, accurate picture of all your deductions and amounts? Just trying to set realistic expectations for myself!

As someone who's also new to this whole Social Security process, I want to echo everyone's thanks for sharing such practical experiences! I'm 68 and just applied last week with benefits starting next month. Reading through all these responses has been incredibly eye-opening - especially about the website reliability issues and the various delays in information updating. One thing I'm wondering about that I haven't seen addressed: if you have both federal AND state tax withholding set up, will both show up clearly in the benefit verification letter breakdown? I opted for both since I live in a state with income tax, and I want to make sure I can track both deductions properly. Also, for those mentioning the mobile app being more reliable - is it called "my Social Security" in the app stores, or does it have a different name? I'd love to download it before my benefits start so I have multiple ways to access my information. Thanks again to everyone for creating such a helpful resource here. It's clear that navigating this system requires patience and multiple backup plans!

As someone who's navigating this exact same situation right now (filed in February, first payment coming next month), I can't thank everyone enough for sharing such detailed real-world experiences! This thread has honestly been more helpful than hours of trying to find clear information on the SSA website. I'm particularly grateful for all the warnings about the website reliability issues and the delays in information updating online. I was expecting everything to be immediately visible and accurate in my MySocialSecurity account, so knowing that there might be weeks or even months of wonky displays while the actual payments are correct is really helpful for setting expectations. The tips about the mobile app, text alerts, and keeping screenshots/paper backups seem essential. I'm definitely going to set all of that up before my first payment hits. And the distinction between Medicare Part B premiums (deducted from SS) versus Medicare Advantage premiums (billed separately) was something I never would have thought about but is really important to understand. One quick question - for those who mentioned calling local SSA offices instead of the national number, how do you find your local office contact info? Is that something that's easy to locate on the SSA website, or did you have to search around for it? Thanks again to everyone for creating such a valuable resource here. It's clear this community knowledge is way more practical than anything in the official documentation!