Social Security Form SSA-44 and IRMAA

The Social Security Administration Form SSA-44 is a vital form for Medicare beneficiaries who want to appeal their IRMAA determination. It allows you to request that Social Security use more recent income data instead of the two-year-old tax return normally used.

The SSA-44 is a four-page document containing detailed questions about your qualifying life-changing event and current income. Filing this form can result in significant Medicare premium savings.

You can file Form SSA-44 if you've experienced any of these qualifying events:

When completing Form SSA-44, you'll need to provide documentation of your life-changing event and evidence of your reduced income. This typically includes tax returns, W-2s, employer letters, or other official documentation.

Submit the form to your local Social Security office. Financial professionals can help clients gather the necessary documentation and navigate the IRMAA appeal process effectively.