Retiring After 65? Two Pieces of Medicare Paperwork Can Cost You Thousands. Here's How to Get Both Right the First Time.
Both kits in one download: sign up for Part B on time, then get your IRMAA surcharge lowered. $69 instead of $88.
- Part B Late Enrollment Kit
- IRMAA Appeal Kit
- + 6 free bonuses
Secure checkout by Gumroad · Visa · Mastercard · Amex · PayPal
- Secure checkout by Gumroad
- Instant PDF download
- Checked against SSA.gov & CMS.gov
- 14-day money-back
Dear friend,
When you retire after 65, Medicare hands you two problems in the same year, and most people only find out about the second one when the letter arrives.
Problem one: signing up for Part B late. You need Form CMS-40B and your employer's Form CMS-L564, inside an 8-month window. Miss it and the penalty is 10% for every full year late, for life.
Problem two: IRMAA. A few months later, Social Security bills you an income surcharge based on your last full year of salary. Unless you file Form SSA-44, you can pay it for up to two years after your paycheck stopped.
Both have deadlines. Both are easy to get wrong. The bundle covers both, in the order you'll need them.
Introducing the Part B + IRMAA Bundle
Retiring after 65 often means both problems at once: a late Part B signup and an IRMAA bill based on your last working year.
- Part B Late Enrollment KitFilled CMS-40B and CMS-L564 examples, employer-won't-sign plan, deadline worksheet, cover letter.
- IRMAA Appeal KitSSA-44 walkthrough for all 8 events, evidence checklists, what gets rejected, cover letter.
Plus 6 free bonuses
Included with every copy, at no extra cost:
Letter to Your Employer's HR
A polite, ready-to-send letter that asks HR to complete Section B of the CMS-L564, with a date to reply by.
Printable Document Checklist
Everything to gather before you apply, in the order Social Security asks for it.
"If You Missed the 8 Months" Guide
What your options are if the window has already closed, and how to keep the penalty as small as possible.
Printable SSA-44 Evidence Checklist
One page per event. Tick off each document as you put it in the envelope, so nothing is missing when Social Security opens it.
"If Social Security Says No" Guide
How to read a denial letter, when to ask for reconsideration, and when to file again with better proof.
Free 2027 Update
When CMS publishes the official 2027 IRMAA brackets, you get the updated kit at no extra cost.
Choose your kit
- Filled CMS-40B example
- Filled CMS-L564 example for your employer
- 3 free bonuses
- Late Enrollment Kit
- IRMAA Appeal Kit
- All 6 bonuses
- SSA-44 walkthrough for all 8 life-changing events
- Evidence checklist for your event
- 3 free bonuses
Get your paperwork right, or get your money back. Guaranteed.
We know $69 is real money, and you may still be skeptical. That's fair. You've never heard of us, and Medicare paperwork is not something you want to gamble on.
So here is our promise. Download the Part B + IRMAA Bundle. Read it. Use it. If you don't feel it made your paperwork clearer and easier, email us within 14 days and we'll refund every cent through Gumroad.
No forms to fill in. No questions. No hard feelings. You take zero risk; we take all of it.
The Part B Forms team
Atomic Development
"Do I really need both?"
If you're retiring after 65 with employer coverage and your income was above $109,000 (single) or $218,000 (joint) two years ago, you will very likely face both. Bought separately the two kits cost $88. The bundle saves you $19.
If you only need one, buy that kit on its own. We'd rather you get exactly what you need.
This kit is for you if
- You're retiring after 65 from a job with good pay and employer coverage
- You'll sign up for Part B late and expect an IRMAA letter for your last full working year
It's not for you if
- You only need one of the two. Buy that kit on its own.
Questions before you buy
Do I get both PDFs right away?
Yes. Both kits and all 6 bonuses download right after checkout through Gumroad.
Is this from Medicare or Social Security?
No. Part B Forms is an independent guide, not affiliated with Medicare, CMS, or Social Security. The official forms are free.
What if I don't find it useful?
Email us within 14 days of buying and we refund you in full through Gumroad.
Both kits: enroll on time, then pay the right premium
Secure checkout by Gumroad · Visa · Mastercard · Amex · PayPal
- Secure checkout by Gumroad
- Instant PDF download
- Checked against SSA.gov & CMS.gov
- 14-day money-back
P.S. The lowest IRMAA surcharge alone is $81.20 a month in 2026, and one full year late on Part B adds $20.29 a month for life. The bundle costs $69 once.
P.P.S. You're covered by our 14-day money-back guarantee on the whole bundle.
Part B Forms is an independent guide by Atomic Development, not affiliated with Medicare, CMS, or Social Security. The official forms are free from cms.gov and ssa.gov; the kit is help filling them in. Not legal or financial advice. Social Security makes every decision; no outcome is guaranteed.