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What can I do if I do not agree with the Social Security Administration's income-related monthly adjustment amount or IRMAA assessment?

IRMAA: Higher incomes and costs · updated Apr 20, 2024

You have the right to appeal the Social Security Administration's income-related monthly adjustment amount or IRMAA assessment.

As noted by the Social Security Administration:

If you disagree with the decision regarding your income-related monthly adjustment amounts, you have the right to appeal. You may request an appeal in writing by completing a Request for Reconsideration (click on the link to download the Form SSA-561-U2) or you may contact your local Social Security office to file your appeal.

You can find the appeal form online at www.ssa.gov/disability/appeal request a copy through our toll-free number at 1-800-772-1213 (TTY 1-800-325-0778).

You do not need to file an appeal if you are requesting a new decision because you experienced one of the (life changing) events listed below and it made your income go down or if you have shown us the information we used is wrong.
  • You married, divorced, or became widowed;
  • You or your spouse stopped working or reduced your work hours;
  • You or your spouse lost income-producing property due to a disaster or other event beyond your control;
  • You or your spouse experienced a scheduled cessation, termination, or reorganization of an employer’s pension plan; or
  • You or your spouse received a settlement from an employer or former employer because of the employer’s closure, bankruptcy, or reorganization.
If you disagree with your IRMAA assessment because of a life-changing event, you can contact Social Security using form SSA-44 - Medicare Income-Related Monthly Adjustment Amount - Life-Changing Event from (www.ssa.gov/forms/ssa-44.pdf).


If you disagree with the amount of modified adjusted gross income (MAGI) the Social Security Administration received from the IRS, you have to correct that information with the IRS.

If [the Social Security Administration] determines you must pay a higher amount for Medicare prescription drug coverage, and you do not have this coverage, you will have to call the Centers for Medicare & Medicaid Services (CMS) at 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048) to make a correction.


Social Security receives the information about your prescription drug coverage from CMS.

We also have information online about appealing IRMAA on this site

As noted above, for more information about the income-related monthly adjustment amounts (IRMAA), please visit www.socialsecurity.gov/mediinfo.htm, or call Social Security at 1-800-772-1213 (TTY 1-800-325-0778).

See the most recent IRMAA information in our Latest Medicare News on this site

If you have a question about your Medicare Part D Income-Related Monthly Adjustment Amount (or IRMAA), you can click on the following link and send us an email on this site