The Social Security Administration says most won’t pay federal income taxes on their benefits. But Congress didn’t directly exempt those payments from taxes.

President Trump’s “Big, Beautiful Bill” will cut taxes on Social Security income—but not everyone qualifies. Here’s what it means for retirement planning.

The emails say nearly 9 in 10 Social Security beneficiaries won’t pay income taxes on their benefits in the future. But the Trump tax law did not directly address Social Security.