Retired Recently? How to Appeal Your IRMAA Surcharge (Form SSA-44)
Confused by Social Security?
You retired last year, but Medicare is charging you high premiums based on your income from two years ago. Why? IRMAA.
You Don’t Have to Pay It
You can appeal this surcharge using a specific “Life-Changing Event” like Work Stoppage. Use Form SSA-44.
The Result
If approved, Social Security will recalculate your premiums based on your new, lower income. This can save a couple thousands of dollars a year.
Hit with an unfair IRMAA surcharge?
We can help you understand the appeal process.
Why Advisors Miss This
Many people simply pay the bill. Don’t overpay. Appeal it.
About Author
Ray R. Harris
Ray R. Harris, RSSA®, partners with tax and legal professionals to provide specialized Social Security claiming analysis for high-net-worth clients aged 58–70. A former executive with an MBA and background in Finance, Ray mitigates liability for his partners by ensuring their clients optimize spousal benefits, tax efficiency, and lifetime income.
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