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SSA-1099 Form Example & Guide

Complete guide to understanding your Social Security Benefit Statement (SSA-1099). Learn what each box means, see detailed examples, and discover how to get a replacement form for tax filing.

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What is the SSA-1099 Form?

The SSA-1099 (Social Security Benefit Statement) is an official tax form issued by the Social Security Administration that reports the total amount of Social Security benefits you received during the previous tax year. This form is essential for filing your federal income tax return.

If you received Social Security retirement, survivors, or disability benefits (SSDI) during the year, you'll receive an SSA-1099. This includes benefits paid to you as a primary beneficiary, spouse, child, or survivor. The form is mailed in late January and is also available online through your my Social Security account.

Important Note

If you receive Supplemental Security Income (SSI), you will not receive an SSA-1099 because SSI payments are not taxable. Instead, you'll receive an SSA-1099-SM if you also receive Social Security benefits.

Understanding Each Box on Your SSA-1099

Here's a detailed breakdown of what each box on the SSA-1099 form means, with examples to help you understand your benefit statement.

Box 1

Name

Your full legal name as it appears in Social Security records.

Example
John A. Smith
Box 2

Beneficiary's Social Security Number

Your Social Security Number (SSN) used for tax reporting.

Example
XXX-XX-1234
Box 3

Benefits Paid in [Year]

Total amount of Social Security benefits you received during the tax year, including any amounts withheld.

Example
$22,884.00
Box 4

Benefits Repaid to SSA in [Year]

Any benefits you repaid to Social Security during the tax year, which may have been for the current or prior years.

Example
$0.00
Box 5

Net Benefits for [Year]

Box 3 minus Box 4. This is the net amount of benefits you received after any repayments.

Example
$22,884.00
Box 6

Voluntary Federal Income Tax Withheld

Amount of federal income tax you chose to have withheld from your benefits (if you requested withholding).

Example
$0.00
Box 7

Address

Your mailing address on record with the Social Security Administration.

Example
123 Main Street, Anytown, ST 12345
Box 8

Claim Number

Your claim number, which may be your SSN or the SSN of the person on whose record you receive benefits.

Example
XXX-XX-1234A
Box 9

Description

Describes any special situations, such as workers' compensation offset, attorney fees, or Medicare premiums.

Example
Medicare Part B Premium: $2,068.80

Sample SSA-1099 Form

Below is a visual representation of what your SSA-1099 form looks like. The actual form you receive will have your personal information and benefit amounts.

Social Security Administration

Form SSA-1099 - Social Security Benefit Statement

Tax Year
2024
Box 1 - Name
JOHN A. SMITH
Box 2 - Beneficiary's SSN
XXX-XX-1234
Box 3 - Benefits Paid in 2024
$22,884.00
Box 4 - Benefits Repaid
$0.00
Box 5 - Net Benefits for 2024
$22,884.00
Box 6 - Voluntary Fed Tax Withheld
$0.00
Box 7 - Address
123 MAIN STREET
ANYTOWN, ST 12345
Box 8 - Claim Number
XXX-XX-1234A
Box 9 - Description
Medicare Part B Premium: $2,068.80

This is a sample form for illustration purposes only. Your actual SSA-1099 will contain your personal information and benefit amounts.

How to Get a Replacement SSA-1099

Lost your form or need another copy? Here are three easy ways to get a replacement SSA-1099.

1. Online (Fastest Method)

Log into your my Social Security account at SSA.gov and download your SSA-1099 instantly. You can access your form as early as January 1st, even before it's mailed. This is the quickest and most convenient option.

Access my Social Security

2. By Phone

Call Social Security at 1-800-772-1213 (TTY 1-800-325-0778) to request a replacement form by mail. Representatives are available Monday through Friday, 8:00 a.m. to 7:00 p.m. local time. You'll receive your replacement within 7-10 business days.

Call 1-800-772-1213

3. In Person

Visit your local Social Security office to request a replacement form. You can find the nearest office using the SSA's office locator. It's recommended to schedule an appointment in advance to reduce wait times.

Find Local Office

Are Social Security Benefits Taxable?

Whether your Social Security benefits are taxable depends on your combined income, which is calculated as:

Combined Income = AGI + Nontaxable Interest + (½ of Social Security Benefits)

AGI = Adjusted Gross Income from your tax return

Taxability Thresholds

Single Filers

  • Below $25,000: Benefits not taxable
  • $25,000 - $34,000: Up to 50% taxable
  • Above $34,000: Up to 85% taxable

Married Filing Jointly

  • Below $32,000: Benefits not taxable
  • $32,000 - $44,000: Up to 50% taxable
  • Above $44,000: Up to 85% taxable

Tax Tip

If Social Security is your only source of income, your benefits are generally not taxable and you typically don't need to file a tax return. However, if you have additional income from pensions, wages, investments, or other sources, you may need to report your benefits.

Frequently Asked Questions

Common questions about the SSA-1099 form and Social Security benefits taxation.

When will I receive my SSA-1099 form?

The SSA mails SSA-1099 forms by February 1st each year. The form covers benefits you received during the previous calendar year. If you have a my Social Security account, you can access your form online as early as January 1st, even before it arrives by mail.

Do I need to report Social Security benefits on my tax return?

It depends on your total income. If Social Security is your only income, you typically don't need to file a tax return. However, if you have other income (wages, self-employment, pensions, investments), you may need to report your benefits. Generally, if your combined income (adjusted gross income + nontaxable interest + half of Social Security benefits) exceeds $25,000 (single) or $32,000 (married filing jointly), a portion of your benefits may be taxable.

How do I get a replacement SSA-1099 if I lost mine?

The easiest way is to log into your my Social Security account at SSA.gov and download a replacement instantly. You can also call Social Security at 1-800-772-1213 to request a replacement by mail, or visit your local Social Security office. Replacement forms are available starting February 1st each year.

What's the difference between SSA-1099 and SSA-1042S?

SSA-1099 is for U.S. citizens and resident aliens receiving Social Security benefits. SSA-1042S is for nonresident aliens receiving benefits. The forms serve the same purpose but have different tax reporting requirements based on residency status.

Can I have federal taxes withheld from my Social Security benefits?

Yes, you can request voluntary federal income tax withholding from your Social Security benefits. You can choose to have 7%, 10%, 12%, or 22% withheld. To set up withholding, complete Form W-4V (Voluntary Withholding Request) and submit it to Social Security, or make the request through your my Social Security account.

Why does Box 3 show more than I actually received in my bank account?

Box 3 shows the total benefits before any deductions. Your actual payment may be less due to Medicare premiums, voluntary tax withholding, garnishments, or other deductions. These deductions are typically explained in Box 9 (Description) of the form.

Need Your SSA-1099 Form?

Access your Social Security Benefit Statement online instantly through your my Social Security account. It's fast, secure, and available 24/7.

Get Your Form OnlineCall SSA: 1-800-772-1213

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Important Notice

The information provided on this page is for educational purposes only and should not be considered tax, legal, or financial advice. Social Security Guide is not affiliated with the Social Security Administration or the IRS. For official tax guidance, consult a qualified tax professional or visit IRS.gov. For Social Security information, visit SSA.gov or call 1-800-772-1213.