Watch out for these items that come out of your Social Security check

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In the United States, receiving a monthly Social Security payment is a huge comfort. In the end, being able to file for retirement indicates that we will have a reliable source of income and won’t need to work. However, we cannot count on receiving the same retirement benefits every year.

It is true that we often receive an increase in our check at the start of each year, but occasionally we may see indirect cutbacks in our benefits. Therefore, we risk losing a significant amount of our monthly check if we are careless with our retirement contribution.

Deductions on Social Security Checks

Not every American is eligible for the same deductions.Based on their contracted services and, of course, their employment history, each citizen is entitled to their own deductions.

Therefore, the following should be kept in mind:

• 
  Medicare Part B premiums
  
  : They are automatically deducted from the Social Security check ($185 per month in 2025).
• 
  Working before full retirement age
  
  : If you work while getting benefits and exceed the annual earnings limit, your check may be reduced.
• 
  Pension from employers who did not withhold Social Security taxes
  
  : May be reduced by the amount of that pensioner s benefit.
• 
  Voluntary deductions
  
  :
  • Federal income tax withholding (7%, 10%, 12% or 22%).
  • Medicare Parts C and D premiums, depending on your insurance provider.
• 
  Federal debts and court orders
  
  :
  • 
    Delinquent taxes owed to the federal government
    
    : The IRS can garnish up to 15% of your monthly benefit until the debt is paid off.
  • 
    Federal student loans in default
    
    : They can garnish up to 15%, but must leave at least $750 a month.
  • 
    Child support and alimony
    
    : The Social Security Administration can garnish check according to court order. Limits are:
    • Up to 50% if you support another family.
    • Up to 60% if you are single.
    • An additional 5% if you have more than 12 weeks of arrears.
• 
  Multiple garnishments
  
  : If you have more than one type of garnishment or lien, the reductions can be significant.

• Federal income tax withholding (7%, 10%, 12% or 22%).
• Medicare Parts C and D premiums, depending on your insurance provider.

• 
  Delinquent taxes owed to the federal government
  
  : The IRS can garnish up to 15% of your monthly benefit until the debt is paid off.
• 
  Federal student loans in default
  
  : They can garnish up to 15%, but must leave at least $750 a month.
• 
  Child support and alimony
  
  : The Social Security Administration can garnish check according to court order. Limits are:
  • Up to 50% if you support another family.
  • Up to 60% if you are single.
  • An additional 5% if you have more than 12 weeks of arrears.

• Up to 50% if you support another family.
• Up to 60% if you are single.
• An additional 5% if you have more than 12 weeks of arrears.

We can have a higher standard of life while planning for retirement if we consider all of this since we will be as aware as feasible of what our final monthly Social Security payment will be.

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