Social Security Benefits, RMD Taxes, IRMAA, and Social Security Taxation: Q&A #2508

February 22, 2025

Social Security Benefits, RMD Taxes, IRMAA, and Social Security Taxation: Q&A #2508

While Jim is attending a conference, Chris is joined by Jake to discuss listener questions relating to Social Security benefits, RMD taxes, IRMAA, and taxability considerations for claiming Social Security.

(5:00) Georgette asks whether her survivor benefit will be reduced since her husband passed away at age 71.

(13:30) The guys address whether claiming early on a work record reduces a spousal benefit or if the child-in-care provision prevents the reduction.

(22:15) An email comment corrects a hint given on a previous episode regarding NFL team names.

(26:30) A listener questions whether Chris overlooked the Qualifying Widower status in a previous Q&A episode answer.

(35:00) Chris and Jake respond to a listener asking whether taxes on a December RMD must be paid immediately or with the next estimated payment.

(44:30) George, who pays IRMAA due to a large Roth conversion, wonders if there’s a way to avoid it without qualifying under the listed exceptions on the SSA-44 form.

(53:45) A listener considers whether changes in Social Security taxation at the state and federal levels should influence their decision on when to start benefits.

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