Do I Have to Pay Taxes on My SS Benefits?

by

Jan Dils

Last Updated April 10, 2026 In Social Security, Social Security Benefits

It’s a question we often get asked: Do I need to pay taxes on my Social Security benefits? The short answer is: “Maybe.” The tax breaks promised with the One Big Beautiful Bill (OBBB) only affect seniors over 65 who are “Married Filing Jointly” and the law only applies for tax years 2025 – 2028. If that applies to you, you may want to work with a tax advisor before taking the deduction.

The Social Security Administration designed these monthly payments to provide income to retirees, people with disabilities, and survivors of deceased workers. However, they are not always necessarily handed out completely tax-free. If you are concerned about what you may owe, read on to learn more about your potential tax liability.

 Do I Have to Pay Taxes on My SSDI Benefits?

If SSDI is your only income, you probably do not have to pay any federal or state income taxes. If you are married and your “gross combined income” exceeds a certain threshold, somewhere between 50 and 85 percent of your benefits may be taxed.

If you receive SSI (Supplemental Security Income) you will not have to pay taxes on that income. SSI is needs-based, so it is not considered taxable by the IRS. However, if you receive any other federal or state payments, you may need to pay. VA disability compensation, survivor benefits, and VA pensions are not taxable. However, retirement pay is taxable, and supplemental SSDI payments are taxable if you receive retirement pay.

It is actually less confusing than it sounds, but rules differ depending on whether you and your spouse file separately and whether you receive disability or other income. The best thing to do is contact a disability attorney, tax attorney, or other tax professional to ensure that you have all necessary forms and paperwork before you send in your tax documents. Jan Dils Attorneys at Law can give you a consultation and answer any questions you have before it’s time to file your tax returns.

Learn More About Whether You Need to Pay Taxes on Social Security Benefits

We can help you minimize your obligations on SSDI benefits and develop sound tax-efficient strategies while enjoying the benefits you deserve. Schedule your free consultation now with a legal representative of the largest female-founded law firm in the country. Whether you need guidance on reducing your taxable income or managing a large, lump sum back payment, we have the skills you can trust.