We had 25% withheld and I received close to what you got in backpay last year. So out of the 6,000 or so that they withheld we got almost all or it back. Reason being we have 3 kids and only had my wife's income for last year. With me receiving benefits plus her job we figured we may go up in a different tax bracket this year and have to pay more to the Government. So each person is different. Does your husband work? do you have any dependent children that you can claim? I would just call someone that can answer these questions for you.