For Financial Advisors

Save your clients thousands in potential IRMAA surcharges.
Save yourself time and frustration.

IRMAAssist helps you identify which clients may qualify for a Medicare IRMAA appeal or new initial determination. It then estimates their potential savings, allows you to track the list of documents to be gathered, and then generates pre-filled forms and instructions — all branded with your logo and colors.

7-day free trial · $18/month after · Cancel anytime

The essentials

What is IRMAA — and when can it change?

IRMAA is an income-related surcharge added to Medicare Part B and Part D premiums. Social Security generally bases it on federal tax information from two years prior, so a past income spike may not reflect your client's circumstances today. Your client has the right to request a reconsideration or new initial determination, which could reduce or even eliminate IRMAA surcharges. Help them draft the confusing paperwork and understand how to submit their request with the SSA.

IRMAA catches more retirees than most expect. An estimated 5+ million Medicare beneficiaries—roughly 7% of everyone enrolled—pay an income-related surcharge on their Part B and Part D premiums each year, and it isn't a small add-on: for one person it can mean hundreds of dollars more a month, thousands more a year, and significantly more for a couple who are both affected. Retirees consistently describe IRMAA as confusing, frustrating, and unfair—especially when it's triggered by a single unusual year, like a Roth conversion, a home sale, or the year they actually retired. Appealing it requires specific documentation and falls under a narrow set of SSA-recognized reasons, so many retirees who could qualify for a reduction never file, simply because the process is unfamiliar.

A surcharge tied to income

Your client's modified adjusted gross income and tax filing status help determine whether they pay an extra amount for Medicare Part B and Part D.

Some life changes matter

Retirement, reduced work, marriage, divorce, a spouse’s death, or certain losses may support a request to use a more recent income estimate.

Records can be corrected

An amended return, an IRS correction, or other qualifying circumstances may support a request for a new initial determination.

Prepare your first application.

Answer a few questions about your client's IRMAA notice and why they're requesting a review. IRMAAssist helps you identify the right appeal path, estimates potential premium savings, and generates a pre-filled SSA-44 or new determination request report. Save all the details so you can see their progress for the appeal, as well as previous appeals. Try it free for 7 days, then $18/month for unlimited clients.

Estimates are not a guarantee of appeal approval - The Social Security Administration makes the final determination in all cases.

Save your clients thousands in potential IRMAA surcharges.
Save yourself time and frustration.

What is IRMAA — and when can it change?

A surcharge tied to income

Some life changes matter

Records can be corrected

Let’s look at the options

Who is this appeal for?

New Client

Tell us about your client's IRMAA notice

The IRMAA Determination Letter

Select your client's reason for appeal

Why Is the Client Requesting a New Look at Their IRMAA?

Your client's qualifying life-changing event

Select All That Apply

The timing of your client's life-changing event

Date(s) of Life-Changing Event(s)

Which situation applies to your client?

Select One

Your client's reduced income since the event

Income in the Year Affected by the Life Event

What SSA should have used

No New Income to Report

Corrected Information

Your client's potential IRMAA savings

The impact of the correction

Your client's required documentation

Your client's personal information

Identity, Contact & Mailing Address

Mailing Address

Your client's completed SSA-44 summary

This Is Your Free Trial Sample

Your client's request summary

This Is Your Free Trial Sample

Print and submit

How will the request be submitted?

Printing needs an active subscription

Save your clients thousands in potential IRMAA surcharges.Save yourself time and frustration.

What is IRMAA — and when can it change?

A surcharge tied to income

Some life changes matter

Records can be corrected

Let’s look at the options

Who is this appeal for?

New Client

Tell us about your client's IRMAA notice

The IRMAA Determination Letter

Select your client's reason for appeal

Why Is the Client Requesting a New Look at Their IRMAA?

Your client's qualifying life-changing event

Select All That Apply

The timing of your client's life-changing event

Date(s) of Life-Changing Event(s)

Which situation applies to your client?

Select One

Your client's reduced income since the event

Income in the Year Affected by the Life Event

What SSA should have used

No New Income to Report

Corrected Information

Your client's potential IRMAA savings

The impact of the correction

Your client's required documentation

Your client's personal information

Identity, Contact & Mailing Address

Mailing Address

Your client's completed SSA-44 summary

This Is Your Free Trial Sample

Your client's request summary

This Is Your Free Trial Sample

Print and submit

Save your clients thousands in potential IRMAA surcharges.
Save yourself time and frustration.