Boston, MA – Seniors living in Massachusetts could be eligible for an extra standard deduction on their state income taxes once they turn 65, a benefit designed to help older residents keep more of their retirement income. Understanding who qualifies and how to claim it can make a difference when filing your annual tax return.
Who Qualifies for the Extra Deduction
If you are a Massachusetts resident aged 65 or older by the end of the tax year, you may claim the senior additional standard deduction. This applies whether you file as single, married filing jointly, or head of household. Your age is determined as of December 31 of the tax year, meaning if you turn 65 at any point during the year, you qualify.
The Massachusetts Department of Revenue notes that the benefit is added on top of the regular state standard deduction, providing extra relief for seniors. In some cases, both spouses can qualify if each is 65 or older, effectively doubling the deduction.
How Much You Can Claim
The amount changes periodically based on tax law updates and cost-of-living adjustments. For example, in recent years, seniors could claim an additional amount that reduced their taxable income significantly. Check the latest figures on the official Massachusetts DOR website before filing.
How to Claim the Deduction
Claiming the extra deduction is straightforward if you file your own Massachusetts state tax return. On the Form 1, you’ll enter your eligibility in the section for the standard deduction. If filing jointly and both spouses qualify, each must meet the age requirement to claim the full benefit.
Those using tax preparation software will typically see the program prompt for your age and automatically apply the correct deduction amount.
Why This Matters for Retirees
Every dollar of taxable income you reduce can save you money in taxes owed. For retirees living on fixed incomes, an extra deduction can help offset expenses such as prescription costs, utilities, and property taxes. As one local CPA explained, “Even a few hundred dollars in tax savings can make a meaningful difference for seniors budgeting year-to-year.”
Important Considerations
- This deduction applies only to state taxes, not your federal return.
- You must be a legal Massachusetts resident to qualify.
- Keep documentation for your birth date and residency in case of verification.
Have you ever claimed the Massachusetts senior extra deduction? Share your experience and tips in the comments below.
