Will I Lose benefits like Social Security or Medicare by using Wealth Guaranteed’s 12-411 Process?

One of the biggest concerns people have when considering the 12-411 Process is whether it will impact their eligibility for Social Security (SS), Medicare, or other government benefits. The simple answer is NO—you will NOT lose your Social Security or Medicare benefits by redeeming your income as lawful money under 12 U.S.C. § 411.

Why Social Security & Medicare Are NOT Affected

Social Security & Medicare Are Not Tied to Income Taxes

• Social Security and Medicare are funded through FICA taxes (Federal Insurance Contributions Act), which are separate from income taxes.

• These programs are mandatory payroll deductions, meaning your employer automatically withholds them from your paycheck regardless of whether you pay income tax or not.

• The 12-411 Process only eliminates your income tax liability, not your FICA contributions.

The IRS & SSA Operate Separately

• The IRS handles income tax, while the Social Security Administration (SSA) oversees Social Security and Medicare.

• Choosing to redeem your income as lawful money under 12 U.S.C. § 411 only affects the taxable status of your income—it does NOT remove your income from SSA reporting requirements.

Many Wealthy Americans Pay No Income Taxes & Still Collect Benefits

• Many high-net-worth individuals legally pay zero federal income tax but still qualify for Social Security and Medicare in retirement.

• Why? Because eligibility is based on earnings, not tax payments.

• The 12-411 Process simply ensures that you, like the wealthy, do not overpay into the tax system.

Common Misconceptions About Losing Benefits:

• “If I don’t pay income tax, I won’t qualify for Social Security or Medicare.” FALSE. Eligibility is based on your reported earnings history, not income tax paid.

• “The IRS and SSA are connected; if I stop paying taxes, I’ll lose my benefits.” FALSE. The IRS does not control Social Security or Medicare— the Social Security Administration does.

• “My Medicare will be denied if I use Wealth Guaranteed’s 12-411 Process.” FALSE. If you’ve worked the required years and earned enough credits, you will still receive Medicare benefits.

The 12-411 Process by Wealth Guaranteed is a legal method to eliminate your income tax liability, but it does not impact your Social Security or Medicare benefits in any way. These programs are funded through payroll deductions and based on your work history—not on how much income tax you’ve paid. You’ve earned these benefits through your labor—and Wealth Guaranteed’s 12-411 Process simply ensures you keep more of your money instead of overpaying into a system that has always been voluntary.