Can you still collect Social Security if you owe back taxes?

Asked by: Dr. Kobe Larkin  |  Last update: February 3, 2025
Score: 4.7/5 (39 votes)

Can You Collect Social Security If You Owe Back Taxes? Yes, you can collect Social Security benefits even if you owe back taxes. If you've recently become eligible for Social Security, you can sign up for benefits regardless of how much tax you owe.

Can you collect Social Security if you owe the IRS money?

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.

What happens if you retire and owe back taxes?

Can Retirement or Social Security Income Be Garnished for Past Due IRS Income Taxes? The IRS can garnish (offset) 15 percent of federal benefits like social security for past due income taxes.

Can I get Medicare if I owe back taxes?

Yes, you can still be eligible for Medicare even if you owe back taxes to the IRS. Eligibility for Medicare is primarily based on age and disability status, as well as whether you or your spouse have paid Medicare taxes for a certain amount of time.

Can you collect Social Security if you haven't paid taxes?

And if you haven't paid any or enough tax, you won't qualify regardless of how much you earn or how serious your medical condition is. The minimum amount that you need to earn and pay tax on is based on what the Social Security Administration (SSA) calls work credits.

Taxes on Social Security Income: 3 Things to Know

19 related questions found

What are the three ways you can lose your Social Security?

Indeed, here are three ways you can lose at least part of your Social Security benefit.
  • No. 1: Keep working while taking benefits early. ...
  • No. 2: Be a substantially lower-earning spouse. ...
  • No. 3: Be alive in 2034. ...
  • Social Security still provides an important foundation for retirement.

Can you file for Social Security if you have unfiled tax returns?

If you haven't filed your federal income taxes for a few years and owe back taxes, that won't affect your Social Security benefits, unless you were self-employed during those years and weren't paying your Social Security (FICA) taxes.

Can you get SSI if you owe back taxes?

As long as you meet the Social Security disability requirements or income requirements, you can collect your SSDI and SSI when you owe taxes.

Can back taxes be forgiven?

The IRS has a limited window to collect unpaid taxes — which is generally 10 years from the date the tax debt was assessed. If the IRS cannot collect the full amount within this period, the remaining balance is forgiven. This is known as the "collection statute expiration date" (CSED).

Can you get Medicaid if you owe back taxes?

Because of the Medicaid enrollment guidelines and rules, owing back taxes and Medicaid qualification are not directly related. This means that if you meet one of the qualification requirements, typically, you can get Medicaid if you owe back taxes.

What happens if you never pay back taxes?

Failure to pay amount shown as tax on your return

The failure to pay penalty is 0.5% of the unpaid taxes for each month or part of a month the tax remains unpaid. The penalty won't exceed 25% of your unpaid taxes.

Can the IRS take you Social Security?

All taxpayers with outstanding tax debts are subject to a levy on assets and income sources, including Social Security benefits. There are two ways the IRS may levy upon your Social Security benefits – via the automated Federal Payment Levy Program (FPLP) or by a manual (non-FPLP) levy.

At what age does the IRS stop collecting back taxes?

The IRS generally has 10 years from the assessment date to collect unpaid taxes.

Who is eligible for the IRS hardship program?

The IRS may agree that you have a financial hardship (economic hardship) if you can show that you cannot pay or can barely pay your basic living expenses. For the IRS to determine you are in a hardship situation, the IRS will use its collection financial standards to determine allowable basic living expenses.

What debts can be taken from Social Security?

Can my benefits be garnished to pay my government debts, child support, or spousal support? Social Security and Social Security Disability Insurance (SSDI) can sometimes be garnished to pay money you owe to the government, such as back taxes or federal student loans, and money you owe for child or spousal support.

Can Social Security take my tax return?

SSA can take your tax refund or some of your wages

If you are not getting benefits from SSA, they can take your tax refund. They can also “garnish” your wages. Garnish means that money is taken out of your wages to repay SSA.

What is the IRS 6 year rule?

6 years - If you don't report income that you should have reported, and it's more than 25% of the gross income shown on the return, or it's attributable to foreign financial assets and is more than $5,000, the time to assess tax is 6 years from the date you filed the return.

How much will the IRS usually settle for?

How much will the IRS settle for? The IRS will often settle for what it deems you can feasibly pay. To determine this, the agency will take into account your assets (home, car, etc.), your income, your monthly expenses (rent, utilities, child care, etc.), your savings, and more.

Is there a one-time tax forgiveness?

Individual taxpayers may now be eligible for a one-time cancellation of a penalty for filing or paying their taxes late. FTB was granted the authority to provide taxpayers a one-time abatement of timeliness penalties.

Can you collect Social Security if you owe income tax?

Can You Collect Social Security If You Owe Back Taxes? Yes, you can collect Social Security benefits even if you owe back taxes. If you've recently become eligible for Social Security, you can sign up for benefits regardless of how much tax you owe.

Does the IRS go after senior citizens?

Although it is rarely done, the IRS can garnish 15% of a senior's social security for past due income taxes. The IRS will almost never garnish pensions and other retirement income. Garnishment of 15% of social security will never happen without the senior being first notified.

How often does the IRS forgive tax debt?

Yes, after 10 years, the IRS forgives tax debt.

After this time period, the tax debt is considered “uncollectible”. However, it is important to note that there are certain circumstances, such as bankruptcy or certain collection activities, which may extend the statute of limitations.

Does owing back tax affect Social Security benefits?

Those who receive Social Security benefits but find themselves in tax trouble often ask, “Can the IRS take your Social Security?” The government can garnish Social Security benefits for delinquent tax liability.

What to do if you have years of unfiled taxes?

The following six tips can help you get back in good standing with the IRS if you have unfiled tax returns.
  1. File as Soon as Possible. ...
  2. Review the Deadlines for Letters You May Receive. ...
  3. Collect All Your Documentation. ...
  4. Claim Refunds Within 3 Years. ...
  5. Request Penalty Abatement. ...
  6. Explore and Understand Your Payment Agreement Options.

Do I get Social Security if I never paid taxes?

If you have no record of paying into the system, you will not receive payouts. If you have not reported income and evaded taxes for a lifetime, then you will receive no Social Security benefits.