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How much of my Social Security can the IRS take for back taxes?

By Sarah Martinez

15%
Under the FPLP, the IRS can garnish up to 15% of your Social Security benefits each time you receive your check. The IRS will apply this amount to your taxes owed. The IRS will continue to garnish your benefits until you pay your back taxes in full.

Can the IRS take my Social Security if I owe taxes?

Because the FPLP is used to satisfy tax debts, the IRS may levy your Social Security benefits regardless of the amount.

Did Social Security take my tax refund?

If you’re currently receiving Social Security benefits, any overpayment of benefits you receive is generally withheld from future payments. In this instance, the SSA does not typically capture your IRS refunds.

Can the IRS take your Social Security benefits?

The IRS can take your Social Security to satisfy a tax debt. In fact, in July 2000, not only did the new Federal Payment Levy Program allow the IRS to dip into some Social Benefits paid to you, but it can also money that you’ve received from:

How are Social Security benefits affected by tax debt?

Although your benefit eligibility is not affected by your tax debt, the IRS is allowed to take a percentage of your benefits through the Federal Payment Levy Program. Under this program, the IRS may take up to 15 percent of your Social Security benefits each time you receive them and apply the amount toward your tax debt.

When do I get my Social Security tax return?

Each January, you will receive a Social Security Benefit Statement (Form SSA-1099) showing the amount of benefits you received in the previous year. You can use this Benefit Statement when you complete your federal income tax return to find out if your benefits are subject to tax.

Do you pay taxes on 85 percent of your Social Security benefits?

You will pay tax on only 85 percent of your Social Security benefits, based on Internal Revenue Service (IRS) rules.