If a Medicare customer is charged more due to the Income-Related Monthly Adjustment Amount (IRMAA), there are specific life-changing events that can be used to request a reduction or removal of this surcharge. These events include:
Marriage: You got married and your combined income has significantly decreased.
Divorce or Annulment: You got divorced or your marriage was annulled, leading to a decrease in your income.
Death of a Spouse: Your spouse passed away, which reduced your income.
Work Stoppage or Reduction: You or your spouse stopped working or had a significant reduction in work hours, leading to a lower income.
Loss of Income-Producing Property: You experienced a loss of income-producing property due to a disaster or other event beyond your control.
Loss of Pension Income: You or your spouse experienced a loss of pension income.
Employer Settlement Payment: You or your spouse received a settlement payment from an employer or former employer due to the employer's bankruptcy or reorganization.
To request a reduction or removal of the IRMAA surcharge, you need to fill out and submit Form SSA-44, "Medicare Income-Related Monthly Adjustment Amount - Life-Changing Event." This form allows you to explain your life-changing event and provide documentation to support your request.
Would you like more details on how to fill out and submit Form SSA-44? Feel free to reach out to our office at 805 837 0175.