What changed?

Form SSA-44 only lowers an IRMAA surcharge when your income dropped because of a specific "life-changing event." Pick the one that fits — we'll tell you for free whether you can appeal, before you spend anything.

Which best describes your situation?SSA-44 Step 1

I (or my spouse) stopped working or retired I (or my spouse) cut back on work (fewer hours, partial retirement) My spouse died I got married I divorced or had my marriage annulled I (or my spouse) lost a pension I received an employer settlement payment because of the employer's closure or bankruptcy I lost income-producing property through a disaster or other event beyond my control My income was high only because of a one-time event (home sale, Roth conversion, large IRA/401(k) withdrawal, capital gains) Social Security used the wrong or outdated income (e.g. an amended return, or two different years) None of these — my income is simply lower now

Social Security recognizes eight life-changing events. If more than one applies, pick the main one — you can note the rest later.

1 still to answer. You can come back later.

Your appeal so far

Event: —
Your MAGI: —
Est. saving: —

Can you appeal?Not yet

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Independent self-help software that prepares Form SSA-44 from the answers you enter. Not Social Security, Medicare or the IRS, and not legal, tax or financial advice. Lower My IRMAA is operated by Owusu LLC.