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Does IRA Distribution Count as Income for Social Security?

By Matthew Frankel, CFPUpdated Jun 8, 2025 at 6:07 AM

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.

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