How to Fill Out Form SSA-44 — Lower Your Medicare Premium After Retiring

How to Fill Out Form SSA-44 — the Medicare IRMAA appeal. If you retired (or your income dropped from another life-changing event), Medicare may still be charging premiums based on your old salary. This form fixes that — often worth $1,000+ a year.

Fill out yours free online: https://formspal.com/pdf-forms/ssa-44/?utm_source=youtube&utm_medium=video&utm_campaign=howtofill_ssa44

Chapters:
0:00 Intro — why Medicare overcharges new retirees
0:40 Page 1: Name and Social Security number
0:53 Step 1: The eight life-changing events
1:31 Step 2: The year your income dropped (MAGI)
2:02 Step 3: Will next year be even lower?
2:29 Step 4: The evidence Social Security wants
2:49 Step 5: Sign and date
3:05 Where to take it — and the yearly do-over

In this video we complete the current SSA-44 (Rev. 12-2025) in FormsPal's free online PDF editor for a new retiree: choosing the qualifying life-changing event, reporting the reduced-income year with AGI and tax-exempt interest, estimating next year, the documentation Social Security accepts, and where to submit.

FormsPal: free fillable forms, PDF editing, and e-signatures — https://formspal.com

This video is for general information only and is not tax, legal, or benefits advice.

#medicare #formspal #howto

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