Are Social Security benefits non-taxable now? Not quite—here’s what’s really going on.

Social Security is still taxable, but many seniors mistakenly believe otherwise. This confusion stems from a temporary tax deduction introduced in the 2025 One Big Beautiful Bill Act, which lowers taxable income for seniors—but doesn’t eliminate Social Security taxes altogether. The 2025 tax law grants an enhanced standard deduction—$6,000 for individuals 65+ ($12,000 for couples)—which can significantly lower taxable income for many seniors. This has fueled misinterpretations that Social Security is now tax-free.

Here's what you need to know:

• Depending on your combined income, up to 85% of your benefits may still be taxable.

• The misconception arises because most retirees now pay no federal tax on their Social Security income, thanks to that one-time deduction—not because the taxes are gone.

• Stay informed and plan wisely—mistakes here could lead to surprise IRS bills!

Learn more: IRS reminds taxpayers their Social Security benefits may be taxable | Internal Revenue Service