Will this affect my Social Security and Medicare eligibility?

No — the 12-411 process does not affect your eligibility for Social Security or Medicare in any way.

These are federal insurance programs that you qualify for based on work history and contributions, not based on your tax filing or refund status. Participating in the 12-411 process:

• Does not reduce or revoke your benefits

• Does not interfere with your enrollment

• Does not impact your ability to receive or access medical care or retirement payments

You remain fully eligible for all federal benefits, including:

• Social Security retirement income

• Medicare coverage

• Disability benefits (if applicable)

• Survivor benefits

The process simply reclassifies your income as non-taxable lawful money, but your earnings history and contribution records remain intact.

Bottom line: You’ll keep your benefits — and enjoy them 100% tax-free.