I am past my Social Security full retirement age, and I am still working. I am married and we file our income tax jointly. My husband is 64 and is not working now, but he may, or may not, be able to work in the next year or so. At what point will my Social Security benefits be taxed, if I decide to take them now? Signed: Worried About Taxes Dear Worried: Many Social Security recipients are surprised to find that their benefits may be considered taxable by the IRS, so I welcome the opportunity to clarify this topic for you.