This guide walks you through how to appeal an Income-Related Monthly Adjustment Amount (IRMAA) surcharge for Medicare Part B and D premiums.
Step 1: Understand the Appeal Process
- IRMAA is based on your income from two years ago.
- If you’ve experienced a qualifying “life-changing event,” such as retirement or work reduction, you may appeal using SSA Form SSA-44.
Step 2: Download and Complete Form SSA-44
- Download here: https://www.ssa.gov/forms/ssa-44.pdf
- Fill in personal information and check the life-changing event (e.g., “Work Stoppage” for retirement).
- Estimate your Modified Adjusted Gross Income (MAGI) for the current and next year.
- Include supporting documentation (retirement letter, recent tax return, employer notice).
Step 3: Submit the Form
- Submit by mail, in person at a local SSA office, or by calling SSA at 1-800-772-1213.
Step 4: Follow Up and Escalate if Needed
- If your appeal is denied, you may request a reconsideration, a hearing with OMHA, and appeal further if necessary.
Sample Statement
“To Whom It May Concern:
I am requesting a reduction in my IRMAA surcharge due to a recent life-changing event (e.g., retirement). My income has decreased significantly since the year used for the initial IRMAA determination. Attached are documents supporting my request. Thank you for your consideration.”
SSA Resources
- Form SSA-44: https://www.ssa.gov/forms/ssa-44.pdf
- SSA Office Locator: https://secure.ssa.gov/ICON/main.jsp
Questions? Contact Sunflower Financial Planning at inna@sunflowerfp.com.
WE'RE MEMBERS OF
