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Form SSA-44: Medicare Income-Related Monthly Adjustment Amount — Life-Changing Event
Requests a reduction in Medicare Part B and Part D premium surcharges (IRMAA) due to a qualifying life-changing event such as marriage, divorce, or reduced income.
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SSA Form SSA-44 - Medicare Income-Related Monthly Adjustment Amount — Life-Changing Event
Requests a reduction in Medicare Part B and Part D premium surcharges (IRMAA) due to a qualifying life-changing event such as marriage, divorce, or reduced income.
Risk Radar
Scan points- 1Not providing documentation of the life-changing event — SSA requires evidence such as a death certificate or retirement letter.
- 2Not submitting your estimated current year income — required to calculate the adjusted premium.
- 3Confusing IRMAA reduction with general Medicare premium reduction — this form only applies to IRMAA surcharges.
Plain English
If your income dropped significantly due to a major life event (like retirement, job loss, or death of a spouse), use this form to ask SSA to lower your Medicare premium surcharge.
Submission Date
- Filing date: File any time after experiencing a qualifying life-changing event that reduced your income.
- Preparation window: collect IDs, supporting records, and signatures in advance.
- Final review: verify names, dates, and required fields before submission.
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Field map
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Personal Info
3 items
Your full name as it appears on Medicare.
Your Medicare ID number from your Medicare card.
Your SSN.
Life-Changing Event
2 items
Select the qualifying event (marriage, divorce, death of spouse, reduced work hours, loss of income from income-producing property, etc.).
When the life-changing event occurred.
Income
1 items
Your estimated MAGI for the current year.
Signature
2 items
Your signature.
Date signed.
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Questions about SSA Form SSA-44
What is SSA Form SSA-44 used for?
If your income dropped significantly due to a major life event (like retirement, job loss, or death of a spouse), use this form to ask SSA to lower your Medicare premium surcharge.
Who must file SSA Form SSA-44?
Medicare beneficiaries subject to Income-Related Monthly Adjustment Amount (IRMAA) surcharges who experienced a qualifying life-changing event.
What information does SSA Form SSA-44 require?
A request for SSA to use more recent income information rather than the two-year-old tax return data normally used to set IRMAA.
When is SSA Form SSA-44 due?
File any time after experiencing a qualifying life-changing event that reduced your income.
Where do I file SSA Form SSA-44?
Submit to your local Social Security office or by mail.
How do I complete SSA Form SSA-44?
Complete the form, identify the qualifying life-changing event, provide your new estimated income, and attach supporting documentation.
What happens if SSA Form SSA-44 is filed incorrectly?
IRMAA surcharges are based on income from two years ago. This form allows you to use current income if it is substantially lower.
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