when to submit Irmaa form

[keith365]

I have a prospect who is expected to owe the Irmaa because of high income from 2 years ago. Can he pre-emptively send in an irmaa appeal form, maybe at the same time he applies for part B, or does he have to wait to be hit with the high part B premium first?

 

[TwoCents]

You can't appeal something that doesn't exist. The IRMAA would have to be assessed first.

 

[annon123]

Related: Does anyone know if someone who will be hit with a 1099-C (for tax purposes what is written off for student loans is considered ordinary income; this, by the way, starts up again 1/1/26 as the pause law ends 12/31/25) for student loan discharge after 25 years will have to deal with this is in 2028 (eg file a change of circumstance form for their B premium) or if it is only actual money they get that affects this and a 1099-C for written off debt doesn't affect B (and D) premiums?

 

[bill3173]

He can appeal it, but don't raise his expectations. The two year rule, while it doesn't make any sense, is rigidly enforced. I recently had a client that got hit with the irmaa, as his welcome to Medicare. This was based on a a piece of commercial property he sold in '23.

He attempted to make an appeal, based on the fact that his income was stable, and well below the irmaa threshold for the last 35 years. It was an absolute waste of time. However, he can appeal to get it removed after the first year, which is so completely whack.