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Does IRA Distribution Count as Income for Social Security?

By Matthew Frankel, CFP – Updated Jun 8, 2025 at 6:07AM

Key Points

  • IRA distributions don't affect Social Security eligibility under the earnings test.
  • Traditional IRA withdrawals increase AGI, potentially taxing up to 85% of SS benefits.
  • Roth IRA distributions do not impact the taxation of Social Security benefits.
Key findings are powered by ChatGPT and based solely off the content from this article. Findings are reviewed by our editorial team. The author and editors take ultimate responsibility for the content.

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