Social Security Snapshot


Planning a retirement in the Bay State? From Cape Cod to the Berkshire Mountains, there are many wonderful places to retire in Massachusetts, which boasts a diverse and rich culture, recreation and attractions for all four seasons, and world-renowned health care. A Social Security Advisor, who is a Registered Social Security Analyst, will help you make the most of your retirement years here, by ensuring you receive all of the retirement benefits you’re entitled to.

Social Security for Massachusetts retirees — here’s what you can expect:

  • Retirement benefits
  • Benefits for disabled workers and their dependents
  • Benefits to the families of deceased workers

You may also be entitled to:

  • Supplemental Security Income program (SSI) – a needs-based program for people ages 65+ and people with disabilities, regardless of age.
  • Assistance if you are a Medicare beneficiary with limited income to apply for extra help with the cost of prescription drugs (Medicare Prescription Drug Program.)

Social Security: It’s tax free in Massachusetts

While the IRS may tax you on up to 85% of on Social Security benefits, all Social Security income is tax-free on your Massachusetts state income tax return —regardless of income or the size of your Social Security benefit.

What you need to know as a Massachusetts retiree:

  • Massachusetts is moderately tax-friendly toward retirees
  • Withdrawals from retirement accounts are fully taxed
  • Wages are taxed at the normal rates.
  • Public and private pension incomes are fully taxed
  • Massachusetts estate tax has an exemption of just $1 million, tied for lowest in the U.S.

Find a Social Security Advisor that has the RSSA credential.

If you’re planning for retirement in Massachusetts, advisors who are Registered Social Security Analysts can help you gain far more Social Security income by making the optimal claiming decisions. Our clients have realized from $20K to $200K in potential additional benefits. Contact us today for a complimentary 15-minute consultation with one of our RSSA advisors.

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