Navigating the complexities of federal taxation on Social Security benefits can be daunting. Despite recent legislative changes, taxes on these benefits remain, with calculations hinging on your income.

Experts say retiree Social Security is still taxable and you'll need to read the fine print to understand your situation and what you should withhold.

Don’t panic if you get a Social Security benefit cut letter—verify, understand the cause, and take the right steps to protect your income