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Recovering over-contribution to Social Security between two employers?
This is a common occurrence when somebody has multiple jobs in one year. The employer can't know if you have reached the annual limit. They know to stop when you have hit the maximum for their company, but don't have information on the other jobs. In fact the IRS doesn't let them factor in the other jobs. They have to keep making their payment until you hit the max for their company. When you fill out the 1040 there will be a line that checks that the total social security amount for each person was not over the annual limit. The extra will be refunded when you file your taxes. In the future if this happens again you can adjust your withholding to minimize the overage. For the example given in the question to get the 4K extra sooner, increase the number of allowances on the W-4.  You can under withhold federal income tax because you will over withhold social security tax.