Paying an IRMAA Surcharge? You May Be Able to Appeal
Yes, if you had a life-changing event (retirement, marriage, divorce, death of spouse, work stoppage) that significantly reduced your income, you can request a new income determination using Form SSA-44.
When This Applies
- You are paying higher Part B or Part D premiums due to IRMAA
- You recently retired and your income dropped
- You experienced a life-changing event (marriage, divorce, death of spouse)
- Your current income is much lower than 2 years ago
Frequently Asked Questions
- What counts as a life-changing event?
- Retirement, marriage, divorce, death of spouse, work stoppage, loss of income-producing property, or receipt of settlement from a former employer's plan.
- How long does the appeal take?
- Social Security typically processes SSA-44 requests within a few weeks to a couple of months.
- Is the adjustment retroactive?
- If approved, the adjustment applies to the current year. You may receive a refund for any overpaid premiums.