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How long for SSA to process IRMAA reduction form? No confirmation after 3 weeks

I recently had a major life-changing event (early retirement) that significantly reduced my income, so I submitted my IRMAA appeal paperwork (Form SSA-44) to my local Social Security office about 3 weeks ago. I haven't heard anything back and I'm starting to worry. My Medicare Part B premiums are still showing the higher amount based on my income from 2023, which I can't afford anymore. Does anyone know how long IRMAA appeals typically take to process? Is there a way to check if they even received my paperwork? The local office was absolutely packed when I went, and I'm dreading having to go back just to confirm they got it. Should I call the 800 number or is there another way to verify they're working on it? My first higher premium payment is due next month and I'm getting anxious!

oh man the irmaa situation is brutal!! when my wife lost her job last yr i had to do the same thing. took them SIX WEEKS to process and they never sent any confirmation. just keep checking mysocialsecurity online cause one day it will magically update with the new premium amount. calling them is useless, took me 2 hrs on hold and the person couldnt tell me anything except "its processing" lol

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Six weeks?? That's so frustrating! I've been checking MySocialSecurity but there's nothing there about it. I guess I'll just have to be patient and hope it processes before my next payment. Thanks for sharing your experience.

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When I submitted my IRMAA reduction request last year, I learned that you need to be VERY proactive with SSA. They lost my paperwork twice! I ended up having to resubmit everything again after waiting 5 weeks. Definitely call to confirm they received it - don't just assume they're processing it.

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Oh no, that's exactly what I'm worried about! Did you call the 800 number or did you contact your local office directly? I'm going to try calling first thing tomorrow morning.

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SSA typically processes IRMAA appeal forms (SSA-44) within 30-45 days, though processing times can vary significantly based on current workloads. There are three ways to verify they received your paperwork: 1. Call the main SSA number at 1-800-772-1213 (best to call early morning) 2. Contact your local office directly (find their direct number on the SSA website) 3. Schedule an online appointment to discuss the status Important: Make sure you keep copies of everything you submitted. If you're approaching the higher premium payment date and haven't heard back, you may need to pay the higher amount temporarily until the adjustment is processed. You'll receive a refund for any overpayment once approved.

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Thank you, this is really helpful! I did keep copies of everything, so that's good. I'll try calling the main number first since that seems easier than going back to the office. Does the refund for overpayment happen automatically, or do I need to request it separately?

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When I submitted my IRMAA appeal last year, I waited 4 weeks with no confirmation and started getting worried just like you. I tried calling the 800 number DOZENS of times but kept getting disconnected or waiting forever. I finally found this service called Claimyr (claimyr.com) that got me through to a live SSA agent in about 20 minutes instead of spending all day calling. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU The agent confirmed they received my paperwork but it was still in the processing queue. At least I had peace of mind knowing they didn't lose it! My appeal was approved about 2 weeks after that call.

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I've never heard of that service, but I'm definitely looking into it. The thought of waiting on hold for hours is already giving me anxiety. Thanks for the recommendation - peace of mind would be worth it at this point!

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MY IRMAA TOOK 9 WEEKS TO PROCESS!!! The system is BROKEN!!! They made me pay the higher amount for 3 months before it finally went through. Then they claimed they sent me a refund check but I NEVER GOT IT!! Had to call 5 MORE times to get them to reissue it. DOCUMENT EVERYTHING and follow up CONSTANTLY or they will forget about you!!!

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This is why I tell everyone to hand-deliver these forms and get a receipt. I work for a financial advisor and we always tell clients to get proof of submission when dealing with SS. Sorry you had such a terrible experience.

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One thing to be aware of is that if your local office sent your IRMAA appeal to the processing center, that can add 1-2 weeks to the timeline. I recommend checking both your MySocialSecurity online account AND your Medicare.gov account, as sometimes the Medicare site will update with the premium change before the SSA site does. Also, make sure you're checking your mail carefully - they often send a letter confirming receipt before they send the approval/denial letter, but the envelope looks like standard government mail that many people mistake for junk.

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I hadn't thought to check my Medicare.gov account! That's a great tip. And I'll definitely watch my mail more carefully. Is there any particular sender name or envelope style I should be looking for? I get so much mail these days.

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Not sure if this helps but my dad just went through this exact situation. His IRMAA took exactly 32 days to process. He called after 3 weeks and they confirmed they had it but said there was a backlog. Once approved, they sent a letter showing the new premium amount and when it would take effect. The refund for his overpayment was credited to his next SS deposit.

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Thanks, that does help! It's good to hear from someone with recent experience. Sounds like I should expect to wait at least another week or two, and that I might have to pay the higher amount at least once before it's resolved. Appreciate the info!

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heres a tip nobody tells you: ask for a receipt next time you submit paperwork at the SS office!!! they are required to give you one if you ask but they never offer.

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I wish I had known that before! Will definitely do that next time. Do they stamp the actual form or give you a separate receipt?

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The refund for overpayment will happen automatically once your IRMAA appeal is approved. If your Social Security benefits are being reduced to pay for Medicare premiums, the adjustment will show in your next benefit payment after processing. If you pay Medicare premiums directly, they'll either issue a credit to your account or send a refund check. For those asking about receipts: Local offices should provide a date-stamped copy of your submission if you specifically request it. For mailed forms, always use certified mail with a return receipt.

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Thank you for clarifying! I'm glad to hear the refund happens automatically. I'll definitely request a receipt for any future submissions - that seems like the safest approach. I appreciate your expert guidance!

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