Броун писал(а): ↑Сб май 17, 2025 6:33 pm
alex_127 писал(а): ↑Сб май 17, 2025 6:17 pm
не сцортесь, там так написано что я четыре раза перечитывал...
Ну наверное имеет смысл подождать официального релиза, хотя я не знаю, как еще можно прочитать это.
...so all the low-income and middle-income seniors on Social Security will be paying zero on Social Security in the long run," Smith told Fox News Digital, while adding of others, "most of them will be paying much less."
И это вообще близко ничего с твоим «Пара пенсионеров, получающая меньше 150000, не будем платить SS, правильно?» не имеет.
Дипсик, самому лениво…
Here’s a clear breakdown of the proposed **$4,000 deduction related to Social Security taxation** from the **May 2025 GOP tax bill**, based on the search results:
---
### **Key Details of the $4,000 Senior Deduction**
1. **Who Qualifies?**
- Available to taxpayers **aged 65+** (individuals or married couples filing jointly).
- **Income limits**:
- **Single filers**: Phases out if modified adjusted gross income (MAGI) exceeds **$75,000**.
- **Joint filers**: Phases out if MAGI exceeds **$150,000** .
2. **How It Works**
- Reduces taxable income by **$4,000 per eligible senior** (e.g., a couple could deduct **$8,000** total).
- Applies **regardless of whether you itemize or take the standard deduction** .
- **Temporary provision**: Only valid for tax years **2025–2028** unless extended .
3. **Impact on Social Security Taxation**
- Unlike Trump’s campaign promise to **eliminate taxes on Social Security benefits**, this deduction is a compromise:
- It indirectly offsets taxes on benefits by lowering taxable income.
- For a median-income retiree (~$50k/year), it may reduce taxes by **~$500/year** (assuming a 12% marginal rate) .
- **No direct change** to existing Social Security tax rules (up to 85% of benefits remain taxable for higher earners) .
4. **Why This Instead of Eliminating SS Taxes?**
- **Cost**: The $4,000 deduction would cost **~$200B over 10 years**, vs. **$1T+** for eliminating SS taxes .
- **Targeted relief**: Helps lower- and middle-income seniors more than high earners (who benefit most from SS tax elimination) .
5. **Limitations**
- **Phase-out**: The deduction shrinks by **4% for every dollar over the income limits** .
- **Not a credit**: A deduction reduces taxable income, not taxes owed dollar-for-dollar (less impactful than a credit) .
---
### **Example for a 70-Year-Old Couple Earning $150k (Including $40k SS)**
- **Combined Income**: $150k ($40k SS + $110k other income).
- **Taxable SS**: Likely **85% of $40k** ($34k) due to high income .
- **Deduction Impact**:
- $8,000 deduction (if MAGI ≤ $150k) → **Taxable income drops from ~$144k to $136k**.
- Estimated **tax savings**: ~$960 (assuming 12% bracket) .
---
### **Comparison to Current Rules**
| **Aspect** | **Current (2024)** | **Proposed (2025–2028)** |
|--------------------------|----------------------------------------|----------------------------------------|
| **SS Taxation** | Up to 85% of benefits taxable | Unchanged, but $4k deduction lowers taxable income |
| **Standard Deduction** | $30k (joint filers) | $32k (joint filers) + $8k senior deduction |
| **Cost to Government** | N/A | ~$200B over 10 years |
---
### **Key Takeaways**
- The $4,000 deduction is a **targeted tax break** for seniors, not a sweeping SS tax repeal.
- **Best for**: Middle-income retirees (e.g., MAGI < $150k) who owe taxes on SS benefits.
- **Limitation**: High earners (>$150k) may see little benefit due to phase-outs .
For official updates, track the bill’s progress [here](
https://www.cbsnews.com/news/trump-tax- ... deduction/) . Let me know if you’d like help estimating your specific scenario!
