If I am still working and file 1099, what’s the best route to still pay into Social security?
Published: June 11, 2025Hello,
Thank you for reaching out with your question about paying into Social Security while working as a 1099 independent contractor.
As a self-employed individual filing a 1099, you are responsible for paying Social Security and Medicare taxes through self-employment taxes. This is done by filing an IRS Schedule SE (Form 1040) to report your net earnings and calculate the tax owed. Paying these taxes ensures that you continue to earn Social Security credits toward retirement, survivors, and disability benefits.
It’s important to keep accurate records of your earnings and expenses, as only your net self-employment earnings are counted for Social Security purposes. If you need personalized advice on managing your contributions and understanding how your self-employment affects your future benefits, you may consider consulting with a Registered Social Security Analyst (RSSA) here.
Take care,
Martha