Publication 4190 (Rev. 5 2015) P4190
User Manual: 4190
Open the PDF directly: View PDF 
.
Page Count: 2
| Download | |
| Open PDF In Browser | View PDF |
Tax Guide for the Retiree A series of informational publications designed to educate taxpayers about the tax impact of significant life events. Frequently Asked Questions (FAQs) This brochure is intended for individuals who recently retired or have retirement plans in their near future Tax Benefits and Credits WHAT DIFFERENCES ARE THERE IN REPORTING MY RETIREMENT INCOME AND MY INCOME DURING MY WORK CAREER? When you received your Form W-2 prior to retirement, you reported your wages on an individual income tax return, such as Form 1040. You also may have received self-employment income on Form 1099-MISC, Miscellaneous Income, if you were a contractor/subcontractor or if you performed independent projects or services. You reported your income by attaching a Schedule C or C-EZ to your Form 1040 and your self-employment tax on Schedule SE. After you formally retire, you would do the same if you continue to receive these types of income. When retired, you may receive a Form SSA-1099 for social security benefits and/or a Form 1099-R for pension income. You will include these types of retirement income on your Form 1040, in addition to any other income you may have received during the tax year. WHAT TYPES OF INCOME ARE TAXABLE? The types of income which are taxable include, but are not limited to: military retirement pay, all or part of pensions and annuities, all or part of Individual Retirement Accounts (IRA), unemployment compensation, gambling income, bonuses and awards for outstanding work, alimony or prizes. A portion of your social security benefits may be taxable based on your other income and filing status. »» Form W-4 for wages and military retirement pay »» Form W-4P for pensions and annuities »» Form W-4V for social security, unemployment compensation, and railroad retirement income To ensure you do not have too much or too little income tax withheld from your pay, use the search engine on www.irs.gov and input the word “calculator”. Click on the “IRS Withholding Calculator” link and fill in the information that applies to you. You may use the results of this program to wcomplete the Form W-4. l Estimated Tax Payment – If you have not paid enough federal tax through withholding, you should make estimated tax payments to the Internal Revenue Service (IRS). This can be done by completing a quarterly payment voucher (Form 1040 ES) and mailing it to the IRS. NOTE: If you do not make sufficient and timely federal tax payments, you could incur an estimated tax penalty. To calculate your estimated tax payments, you can use the worksheet with Form 1040 ES. Estimated tax payments are due each year on April 15th, June 15th, September 15th, and January 15th of the following year. Example: John realizes that selling his mutual funds in December resulted in a large gain. He can estimate the effect of that gain and pay the amount by January 15th, to avoid a penalty. For additional information see Publication 525. For additional information see Publication 505. WHAT TYPES OF INCOME ARE NON-TAXABLE? RETIREE QUESTIONS AND ANSWERS: Some income is not subject to tax. A few examples are veteran’s benefits, disability pay for certain military or government related incidents, worker’s compensation, and cash rebates from a dealer or manufacturer of an item you purchase. QQ I am retired and receive social security, but I have now taken a part For additional information see Publication 525. WHY IS MY PENSION INCOME TAXED? Your pension could be fully or partially taxable depending on how the money was put into the pension plan. If all the money was contributed by the employer or the money was not taxed before going into the plan, it would be taxable. When your contribution to the plan is from already-taxed dollars, that part is not taxed, but must be recovered over your life expectancy. There are worksheets in the instruction books for versions of Form 1040, including Form 1040 A. For additional information see Publication 575 or 915. TAX WITHHOLDING AND ESTIMATED TAX PAYMENTS Our tax law provides for a pay-as-you-go system which requires taxes to be paid on income as it is received. There are two ways which taxes are typically paid: l Tax Withholding – You can request federal tax be withheld from your pension, social security, unemployment compensation, etc., by submitting the appropriate following form to the payer of the income: time job. Why are they taking social security taxes out of my pay? AA The Federal Insurance Contribution Act, or FICA, provides for a Federal System of old-age, survivors, disability, and hospital insurance. The old-age, survivors, and disability insurance part is financed by the social security tax. Generally, employee wages are subject to social security and Medicare taxes regardless of the employee’s age or whether he or she is receiving social security benefits. QQ How do I determine how much of my social security is taxable? AA Compare the base amount found in Publication 915, Social Security and Equivalent Railroad Retirement Benefits, to the total of one-half of your social security benefits plus all of your other income (including taxexempt income). If the base amount exceeds your income computation, then your social security is non-taxable. For the most complete calculation, you should use the worksheets found in Publication 915 or the instruction books for the 1040 series. QQ How will I know how much of my pension is taxable? AA Your pension will be reported on a Form 1099R. Form 1099R will show you how much you contributed to the plan and how much tax was withheld. For new retirees, you will generally use the “simplified method” to compute the taxable portion of your pension. (See Publication 575, Pension and Annuity Income). Generally, your contributions to the plan continued... Tax Guide for the Retiree Frequently Asked Questions (FAQs) are not taxable as long as they were subject to taxation when they were deposited to the plan. QQ What if I take my pension out in lump-sum payment? (continued...) QQ I’m retired and I don’t have health care coverage. I also don’t qualify for Medicare. Will I need to make an individual shared responsibility payment when I file my tax return? AA If you withdraw the full amount in your pension account, part or all will AA The individual shared responsibility provision requires that each NOTE: Before withdrawing any funds from a retirement account (IRA, 401-K, Thrift Savings, etc.), consult with a tax professional to understand potential tax consequences. If you retire before you’re 65 and don’t have health care coverage, find out if you qualify for Medicaid or a Special Enrollment Period for coverage through the Marketplace. If you apply through the Marketplace, you may be able to get a premium tax credit and lower out-of-pocket costs. Go to HealthCare.gov for information. be taxable in the year received. You may want to consider rolling it over into another pension plan or a traditional IRA to avoid paying a large amount of tax in one year. QQ I am a military retiree. Where can I go to change my withholding? AA There are two ways to change your withholding. You can call the Retiree Pay customer service number at Defense Finance and Accounting Service (DFAS) at 1-800-321-1080. Or, you can make changes online via DFAS’s myPay secure web-based pay management system. The myPay system lets active duty military, National Guard and Reserve members, some federal government civilian employees, and military retirees and annuitants quickly change pay information like federal and state withholding. If you are a myPay account holder, log in at https://mypay.dfas.mil. If you want to set up a new account or need help with your existing account, call the myPay customer service center at 1- 877-363-3677. Health Care Law Questions & Answers for Retirees Important Note about Health Insurance Coverage: The individual shared responsibility provision requires that each individual have qualifying health care coverage for each month, qualify for a coverage exemption, or make a payment when filing a federal income tax return. Find out more about taxrelated provisions of the health care law at IRS.gov/aca. QQ I’m over 65 and Medicare Part A is my primary health insurance coverage. Do I have qualifying health care coverage under the health care law? AA Yes. Medicare Part A is qualifying health care coverage under the health care law. Medicare Part C, also known as Medicare Advantage, is also qualifying coverage. You do not need to enroll in Medicare Part B to satisfy the health care law. QQ I’m retired and have retiree health benefits from my former employer. Do I have qualifying health care coverage under the health care law? AA Yes. If you have retiree health benefits, that’s qualifying health care coverage under the health care law. However, if you voluntarily drop your retiree coverage, you won’t qualify for a Special Enrollment Period to enroll in a new Health Insurance Marketplace plan and you will have to wait until the next Open Enrollment period to enroll in coverage through the Marketplace. And, if you don’t have qualifying coverage or a coverage exemption, you will make an individual shared responsibility payment when you file your tax return. individual have qualifying health care coverage for each month, qualify for a coverage exemption, or make a payment when filing a federal income tax return. ADDITIONAL INFORMATION All the forms and publications mentioned in this publication can be found on the Internal Revenue Service Internet site (www.irs. gov). For a free paper copy of any listed form or publication, please call 1-800-8293676 (1- 800-TAX-FORM). For additional questions about your tax responsibilities, you can call 1-800-829-1040. Publications that may be of assistance: • Publication 505, Tax Withholding and Estimated Tax • Publication 525, Taxable and Non-taxable Income • Publication 575, Pension and Annuity Income • Publication 915, Social Security and Equivalent Railroad Retirement Benefits • Publication 501, Exemptions, Standard Deduction, and Filing Information • Publication 554, Older Americans’ Tax Guide • Publication 560, Retirement Plans for Small Business • Publication 721, Tax Guide to U.S. Civil Service Retirement Benefits • Publication 939, General Rule for Pensions and Annuities • Form 1040, U. S. Individual Income Tax Return • Form 1040A, U. S. Individual Income Tax Return • Form 1040-ES, Estimated Tax for Individuals • Schedule C, Profit or Loss From Business • Schedule C-EZ, Net Profit From Business • Schedule SE, Self-Employment Tax FREE TAX RETURN ASSISTANCE Volunteer Income Tax Assistance (VITA) and Tax Counseling for the Elderly (TCE) Sites offer free tax return preparation to individuals having low to moderate income. To find free tax help near you, call IRS at 1-800-829-1040 or AARP TaxAide at 1-888-227-7669. Publication 4190 (Rev. 5-2015) Catalog Number 36562Z Department of the Treasury Internal Revenue Service www.irs.gov
Source Exif Data:
File Type : PDF File Type Extension : pdf MIME Type : application/pdf PDF Version : 1.6 Linearized : Yes Author : SE:W:CAR:SPEC:SPO Create Date : 2015:05:12 12:56:50-04:00 Modify Date : 2015:05:12 13:53:45-04:00 Subject : Life Cycle Series: Tax Guide for the Retiree - Frequently Asked Questions XMP Toolkit : Adobe XMP Core 5.2-c001 63.139439, 2010/09/27-13:37:26 Metadata Date : 2015:05:12 13:53:45-04:00 Creator Tool : Adobe InDesign CS5.5 (7.5.3) Page Image Page Number : 1, 2 Page Image Format : JPEG, JPEG Page Image Width : 256, 256 Page Image Height : 256, 256 Page Image : (Binary data 13157 bytes, use -b option to extract), (Binary data 11924 bytes, use -b option to extract) Instance ID : uuid:6c467121-dd30-4fb2-ba04-9a8ee10c394b Document ID : xmp.did:FC7F1174072068119109A97C5F035644 Original Document ID : xmp.did:19D91A4D85266811822AE42BD9FDA382 Rendition Class : proof:pdf History Action : created, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved, saved History Instance ID : xmp.iid:19D91A4D85266811822AE42BD9FDA382, xmp.iid:1AD91A4D85266811822AE42BD9FDA382, xmp.iid:1BD91A4D85266811822AE42BD9FDA382, xmp.iid:A518F5F1FB2A6811822AE42BD9FDA382, xmp.iid:238018E1002B6811822AE42BD9FDA382, xmp.iid:0C931274072068118083E7B10FF1B1E0, xmp.iid:078011740720681180839480D3D607BC, xmp.iid:500E18BB2820681180839480D3D607BC, xmp.iid:A7546F102E20681180839480D3D607BC, xmp.iid:A8546F102E20681180839480D3D607BC, xmp.iid:D40F43342F20681180839480D3D607BC, xmp.iid:0F5B823B2420681191099CC6D8EB4BA6, xmp.iid:02C79E9C2620681191099CC6D8EB4BA6, xmp.iid:DE6518740720681188C6B6F99B37C383, xmp.iid:FE7F117407206811822AF2B125E67B97, xmp.iid:F58A86B407206811822AF2B125E67B97, xmp.iid:018011740720681188C6F6CE0C796F7C, xmp.iid:068011740720681188C6F6CE0C796F7C, xmp.iid:30AB8BF92520681188C6F6CE0C796F7C, xmp.iid:989ECA6E3820681188C6BD296004791A, xmp.iid:52FA2BDA3B20681188C6BD296004791A, xmp.iid:57FA2BDA3B20681188C6BD296004791A, xmp.iid:01801174072068118083B931DB6FC83E, xmp.iid:06801174072068118083B931DB6FC83E, xmp.iid:FDCE53C3082068118083B931DB6FC83E, xmp.iid:FECE53C3082068118083B931DB6FC83E, xmp.iid:C05B04830C2068118083B931DB6FC83E, xmp.iid:C15B04830C2068118083B931DB6FC83E, xmp.iid:C65B04830C2068118083B931DB6FC83E, xmp.iid:7E771A46112168118083B931DB6FC83E, xmp.iid:11811BC6952168118083B931DB6FC83E, xmp.iid:16811BC6952168118083B931DB6FC83E, xmp.iid:17811BC6952168118083B931DB6FC83E, xmp.iid:0D4A0364A02168118083B931DB6FC83E, xmp.iid:F0F1261CA92168118083B931DB6FC83E, xmp.iid:516036E5B12168118083B931DB6FC83E, xmp.iid:526036E5B12168118083B931DB6FC83E, xmp.iid:F77F11740720681188C6D3B97609FBF2, xmp.iid:FC7F11740720681188C6D3B97609FBF2, xmp.iid:FE7F11740720681188C6D3B97609FBF2, xmp.iid:18DA92650B20681188C6D3B97609FBF2, xmp.iid:1DDA92650B20681188C6D3B97609FBF2, xmp.iid:FB7F1174072068118F62F5026EE78B92, xmp.iid:00801174072068118F62F5026EE78B92, xmp.iid:3CCBA9C9172068118F62F5026EE78B92, xmp.iid:60CE9ADF282068118F62F5026EE78B92, xmp.iid:EC720A432E2068118F62F5026EE78B92, xmp.iid:A81B88B40E206811994CE70F41F36087, xmp.iid:AD1B88B40E206811994CE70F41F36087, xmp.iid:5B57618619206811994CE70F41F36087, xmp.iid:FB7F117407206811822AABD7A21D9A96, xmp.iid:0080117407206811822AABD7A21D9A96, xmp.iid:83B1179D3823681188C694714CED957B, xmp.iid:D1F639D63923681188C694714CED957B, xmp.iid:D2F639D63923681188C694714CED957B, xmp.iid:0580117407206811808395450F924CAE, xmp.iid:0680117407206811808395450F924CAE, xmp.iid:BE6B363B08206811808395450F924CAE, xmp.iid:1901904FAC2068118083DBA5C2590074, xmp.iid:1E01904FAC2068118083DBA5C2590074, xmp.iid:E4D3F699AC2068118083DBA5C2590074, xmp.iid:520AD0B2B62068118083DBA5C2590074, xmp.iid:25CEF9AA23206811822A82164F80E023, xmp.iid:762AC428D620681188C687488F939211, xmp.iid:7B2AC428D620681188C687488F939211, xmp.iid:7C2AC428D620681188C687488F939211, xmp.iid:7D2AC428D620681188C687488F939211, xmp.iid:75BDB899F820681188C687488F939211, xmp.iid:76BDB899F820681188C687488F939211, xmp.iid:7BBDB899F820681188C687488F939211, xmp.iid:ACF2AF3D8621681188C687488F939211, xmp.iid:579C3CD54E22681188C687488F939211, xmp.iid:3BF7128508206811910980AE6A49254B, xmp.iid:EF4D05661A206811910980AE6A49254B, xmp.iid:F04D05661A206811910980AE6A49254B, xmp.iid:F54D05661A206811910980AE6A49254B, xmp.iid:911D6895C4206811910980AE6A49254B, xmp.iid:141A6315E2206811910980AE6A49254B, xmp.iid:191A6315E2206811910980AE6A49254B, xmp.iid:1A1A6315E2206811910980AE6A49254B, xmp.iid:533EE5255122681188C6E0CE5B281043, xmp.iid:583EE5255122681188C6E0CE5B281043, xmp.iid:593EE5255122681188C6E0CE5B281043, xmp.iid:5BFE32AE6B22681188C6E0CE5B281043, xmp.iid:EFFB00506D22681188C6E0CE5B281043, xmp.iid:9319E1247222681188C6E0CE5B281043, xmp.iid:9819E1247222681188C6E0CE5B281043, xmp.iid:9919E1247222681188C6E0CE5B281043, xmp.iid:59A8FFB49420681188C6D0A58046CCD2, xmp.iid:ED1B06FA9520681188C6D0A58046CCD2, xmp.iid:EE1B06FA9520681188C6D0A58046CCD2, xmp.iid:F31B06FA9520681188C6D0A58046CCD2, xmp.iid:A9CBA3DDC620681188C6D0A58046CCD2, xmp.iid:7985498C5921681188C6D0A58046CCD2, xmp.iid:F77F1174072068119109A97C5F035644, xmp.iid:FC7F1174072068119109A97C5F035644 History When : 2013:06:11 08:43:18-04:00, 2013:06:11 09:29:20-04:00, 2013:06:11 09:29:20-04:00, 2013:06:11 09:55:16-04:00, 2013:06:11 10:30:35-04:00, 2013:06:13 14:46:59-04:00, 2013:07:31 15:01:20-04:00, 2013:07:31 15:01:20-04:00, 2013:07:31 15:39:31-04:00, 2013:07:31 15:39:31-04:00, 2013:07:31 15:47:40-04:00, 2013:08:02 16:56:16-04:00, 2013:08:02 17:13:18-04:00, 2013:08:02 17:45:12-04:00, 2013:08:06 15:36:09-04:00, 2013:08:06 15:36:09-04:00, 2013:08:07 16:31:27-04:00, 2013:08:07 16:31:27-04:00, 2013:08:07 20:10:03-04:00, 2013:08:29 17:30:12-04:00, 2013:08:29 17:30:13-04:00, 2013:08:29 18:13:22-04:00, 2013:09:17 11:10:42-04:00, 2013:09:17 11:10:42-04:00, 2013:09:17 11:32:46-04:00, 2013:09:17 11:33:48-04:00, 2013:09:17 11:46:54-04:00, 2013:09:17 12:28:19-04:00, 2013:09:17 12:28:19-04:00, 2013:09:18 18:59:53-04:00, 2013:09:19 10:42:01-04:00, 2013:09:19 10:50:34-04:00, 2013:09:19 11:56:12-04:00, 2013:09:19 11:58:01-04:00, 2013:09:19 13:00:26-04:00, 2013:09:19 14:25:02-04:00, 2013:09:19 14:25:02-04:00, 2013:11:04 16:32:47-05:00, 2013:11:04 16:32:47-05:00, 2013:11:04 16:54:03-05:00, 2013:11:04 17:01:01-05:00, 2013:11:04 17:02:17-05:00, 2013:11:05 13:02:17-05:00, 2013:11:05 13:02:17-05:00, 2013:11:05 14:47:39-05:00, 2013:11:05 16:47:28-05:00, 2013:11:05 16:53:49-05:00, 2013:11:18 13:18:18-05:00, 2013:11:18 13:18:18-05:00, 2013:11:18 14:18:31-05:00, 2013:11:19 09:27:36-05:00, 2013:11:19 10:29:22-05:00, 2013:12:10 16:26:46-05:00, 2013:12:10 16:26:46-05:00, 2013:12:10 16:30:06-05:00, 2013:12:18 14:26:42-05:00, 2013:12:18 14:32:16-05:00, 2013:12:18 14:32:16-05:00, 2014:01:08 15:24:14-05:00, 2014:01:08 15:24:46-05:00, 2014:01:08 15:26:19-05:00, 2014:01:08 16:38:36-05:00, 2014:01:23 14:32:01-05:00, 2015:04:08 17:01:08-04:00, 2015:04:08 17:01:08-04:00, 2015:04:08 17:08:32-04:00, 2015:04:08 17:27:50-04:00, 2015:04:08 17:27:50-04:00, 2015:04:08 17:58:13-04:00, 2015:04:08 18:02:06-04:00, 2015:04:09 10:21:45-04:00, 2015:04:10 10:17:39-04:00, 2015:04:14 13:00:36-04:00, 2015:04:14 13:00:36-04:00, 2015:04:14 16:12:05-04:00, 2015:04:14 16:12:05-04:00, 2015:04:15 09:28:04-04:00, 2015:04:16 17:28:55-04:00, 2015:04:16 17:28:55-04:00, 2015:04:16 17:32:42-04:00, 2015:04:20 12:47:52-04:00, 2015:04:20 12:47:53-04:00, 2015:04:20 13:01:41-04:00, 2015:04:20 13:29:14-04:00, 2015:04:20 13:40:55-04:00, 2015:04:20 14:15:30-04:00, 2015:04:20 14:18:10-04:00, 2015:04:20 14:26:33-04:00, 2015:05:06 11:17-04:00, 2015:05:06 11:17:01-04:00, 2015:05:06 11:27:21-04:00, 2015:05:06 16:30:37-04:00, 2015:05:06 17:06:58-04:00, 2015:05:07 10:44:21-04:00, 2015:05:12 12:01:40-04:00, 2015:05:12 12:01:41-04:00 History Software Agent : Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5, Adobe InDesign 7.5 History Changed : /;/metadata, /metadata, /;/metadata, /;/metadata, /;/metadata, /metadata, /;/metadata, /;/metadata, /metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /metadata, /;/metadata, /metadata, /;/metadata, /;/metadata, /metadata, /;/metadata, /;/metadata, /metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /metadata, /metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /metadata, /;/metadata, /;/metadata, /;/metadata, /metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /metadata, /;/metadata, /;/metadata, /metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /metadata, /;/metadata, /metadata, /;/metadata, /;/metadata, /metadata, /;/metadata, /;/metadata, /metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /;/metadata, /metadata, /;/metadata Derived From Instance ID : xmp.iid:F77F1174072068119109A97C5F035644 Derived From Document ID : xmp.did:ED1B06FA9520681188C6D0A58046CCD2 Derived From Original Document ID: xmp.did:19D91A4D85266811822AE42BD9FDA382 Derived From Rendition Class : default Doc Change Count : 3072 Format : application/pdf Title : Publication 4190 (Rev. 5-2015) Description : Life Cycle Series: Tax Guide for the Retiree - Frequently Asked Questions Creator : SE:W:CAR:SPEC:SPO Producer : Adobe PDF Library 9.9 Trapped : False Page Count : 2EXIF Metadata provided by EXIF.tools