"...The average monthly Social Security benefit for a retired worker was about $1,230 at the beginning of 2012. That's about $15,000 of income for the year. If you are receiving Social Security benefits, this means that you worked and paid taxes for at least 10 years. Wouldn't it be nice to avoid paying tax on your Social Security benefits while in retirement? By planning ahead, you can avoid paying tax on your Social Security income and your effective tax rate will be very low..."
