FACT: If You Retired, Cut Back, Divorced or Lost Your Spouse, Social Security Can Lower Your Medicare Premium by Up to $6,936 a Year. But Only If You File Form SSA-44 the Right Way.

Dear friend,

If you're reading this, you probably opened a letter from Social Security and felt your stomach drop.

Your Medicare premium is going up. Not by a little. By $81, $200, even $487 a month, plus more on your drug plan.

And the reason makes no sense. They're charging you based on what you earned two years ago, when you were still working.

Sound familiar?

Here's what most people never find out: Social Security has a form for exactly this. It's called Form SSA-44. If your income dropped because of one of 8 "life-changing events", such as retiring, they will recalculate your premium from your current, lower income.

So why do so many people keep overpaying?

Because the form doesn't tell you the things that decide whether you're approved:

• Which event you are. Retiring is "work stoppage". Cutting your hours is "work reduction". Pick wrong and it doesn't match your proof.
• Which documents count as proof, and what to send when your employer won't write a letter.
• What income to write for a year you haven't filed taxes for yet.
• That a Roth conversion or a home sale will be turned down, no matter how you word it.

Get one of these wrong and your request comes back. Meanwhile, the surcharge keeps coming out of your Social Security check, month after month, while you start over.

That's the difference between filing SSA-44 correctly and not filing at all. And it's why we made this kit.

Introducing the IRMAA Appeal Kit

Everything you need to fill out Form SSA-44, prove your life-changing event, and stop paying a surcharge based on income you no longer have.

• SSA-44 walkthrough for all 8 life-changing eventsField-by-field filled examples for retirement, reduced hours, divorce, death of a spouse and the rest. Pick your event and copy the pattern.
• Evidence checklist for your eventThe exact documents Social Security accepts for each event, and what to do if you don't have them.
• What gets rejected, and whyRoth conversions, home sales and other reasons SSA turns down, so you don't waste months on a request that can't win.
• Income estimate worksheetWork out the lower income figure to put on the form, with the line numbers from your tax return.
• Ready-to-sign cover letterA one-page letter that tells the SSA office what you're asking for and lists what's enclosed.
• How to submit: online, by mail, or in personStep by step for each route, plus what to do if you hear nothing after 60 days.

Here's a look inside

Plus 3 free bonuses

Included with every copy, at no extra cost:

"But the form is free. Why pay $49?"

You're right. Form SSA-44 is free, and you can file it online. We'll even tell you where to get it.

You're not paying for the form. You're paying to know exactly what to write and what to send, so your request goes through the first time instead of the second or third.

Every month a request sits rejected is another month of surcharge. At the lowest bracket that's $95.70 a month, B and D together. The kit costs about half of one month.

"Can't Social Security just help me?"

They can answer questions, and you should ask them if you get stuck. But they won't fill the form in for you, and they won't tell you which documents make your case strongest. That's what this kit does.

Questions before you buy