Medicare surcharge decision tool
SSA-44 IRMAA Appeal Calculator
Screen the life-changing event, compare the MAGI SSA used with the more recent estimate and model the Part B and Part D surcharge difference.
Modeled annual household savings
$4,620If SSA approves the redetermination
Original modeled IRMAA
$4,620Tier 3
Projected modeled IRMAA
$0Standard (no IRMAA)
Employer statement, retirement letter or other proof of work stoppage
Also prepare evidence of the more recent tax year’s MAGI or a signed estimate when the return has not yet been filed, following SSA’s instructions.
This planner estimates published IRMAA tiers. SSA decides whether the event, evidence and income year support a new initial determination.
SSA-44 FAQs
What events qualify for Form SSA-44?
SSA lists marriage, divorce or annulment, death of a spouse, work stoppage, work reduction, loss of income-producing property, loss of pension income and an employer settlement payment.
Does a Roth conversion or stock sale qualify by itself?
A one-time income spike alone is not one of the listed SSA-44 life-changing events. A separate qualifying event that reduced household income may still support a request.
What if an amended tax return lowered my MAGI?
SSA directs beneficiaries with an amended income-tax return to contact SSA. That situation is handled outside the ordinary online life-changing-event flow.
Sources
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