Missing 2025 IRMAA notification from Social Security - how to find out my Medicare premium

The SSA is running about 3-4 weeks behind schedule on IRMAA determination letters this year. I'm a financial advisor with several clients in the same situation. The good news is that you can estimate your IRMAA using your 2023 tax return (that's what they base 2025 premiums on). If your MAGI (Modified Adjusted Gross Income) from 2023 was: - Under $103,000 (single) or $206,000 (married): standard premium only - $103,000-$129,000 (single) or $206,000-$258,000 (married): +$71.60/month - $129,000-$161,000 (single) or $258,000-$322,000 (married): +$179.10/month - And so on up the scale If you need the exact amount, you'll need to keep trying to reach SSA until you get through. But the online calculators can give you a good estimate based on your 2023 tax return numbers.

i got mine last week check ur spam folder maybe?? also sometimes they post it on medicare.gov before mailing it out did u check there? u have to log in to ur acct

You can file an IRMAA appeal using Form SSA-44 if you've had a life-changing event that lowered your income. Qualifying events include: - Death of spouse - Marriage/divorce - Work reduction or stoppage - Loss of income from income-producing property - Loss of pension income Just selling fewer investments doesn't qualify, but if you've actually retired or lost income in a qualifying way, you might be able to appeal. The form is available on SSA.gov and you'll need documentation proving your reduced income.

I was in the same boat last year - no letter by December and panicking about my budget. I finally got tired of waiting on hold and used a service called Claimyr to get through to SSA. You can check them out at claimyr.com - they have a video showing how it works: https://youtu.be/Z-BRbJw3puU. Basically they wait on hold for you then call you when an agent is ready. It worked great and I got my IRMAA info right away. The SSA rep told me my letter had been generated but was delayed in processing.

THIS IS ALL SO TYPICAL OF SSA!!!!! They expect us to plan our finances but don't bother to send information on time. I'm STILL waiting for mine too and my financial advisor says lots of her clients haven't gotten letters yet. But God forbid WE are late with something - then they penalize US immediately!!! The whole system is rigged against seniors and nobody cares. They'll probably send the letters right after New Year when it's TOO LATE to plan for 2025 expenses.

For those still waiting, I just spoke with an SSA representative yesterday about another matter, and they mentioned that IRMAA letters are being sent out in batches this year due to processing delays. They're prioritizing people with changes to their IRMAA status. If your income bracket hasn't changed from last year, you might be in a later batch. Call the dedicated Medicare premium line at 1-800-772-1213 and select the Medicare premium option, which often has shorter wait times than the general SSA line.

my sister had this problem too but her accountant told her just assume worst case scenario for budgeting which is what im doing too. btw if anyone is confused IRMAA is just the extra amount higher income people pay for medicare part b and part d its so confusing why they dont just call it a surcharge or something normal lol

UPDATE: I finally received my IRMAA determination letter today (Dec 14). As many of you predicted, I'm in the second tier with the $71.60 surcharge on top of the regular premium. I'm going to file the SSA-44 form to appeal based on my retirement this year. Thanks to everyone for your helpful advice!

Congratulations on finally getting your letter! I'm still waiting for mine and it's reassuring to hear they are actually being sent out. For anyone else dealing with IRMAA appeals, I went through this process last year after my spouse passed away. The key is to submit Form SSA-44 as soon as possible along with copies of all supporting documents (in my case it was the death certificate and tax returns showing reduced income). The process took about 8 weeks but they did approve the reduction and even refunded the extra premiums I had already paid. Don't give up if they initially deny it - you can request reconsideration with additional documentation.

I'm dealing with the same issue! Haven't received my IRMAA letter yet and it's making it really hard to plan my 2025 budget. My income situation is similar - had some significant capital gains in 2023 from selling property, so I know I'm going to owe more but have no idea how much. Reading through everyone's responses here has been super helpful, especially knowing about the processing delays and the Medicare premium hotline. I'm going to try calling 1-800-772-1213 tomorrow and see if I can get through. It's so frustrating that they expect us to manage our finances responsibly but can't get their own paperwork out on time!

I'm a newcomer to this community but dealing with the exact same frustrating situation! Haven't received my IRMAA letter either and it's now mid-December. After reading through all these helpful responses, I'm feeling much more informed about what's going on. It's reassuring to know that SSA is running behind schedule this year and I'm not the only one affected. I'm particularly grateful for the income thresholds that Nia provided - that helps me estimate where I'll likely fall. I had some unexpected income in 2023 from a consulting project, so I'm bracing myself for higher premiums. Going to try the dedicated Medicare premium line at 1-800-772-1213 tomorrow morning. Thanks to everyone for sharing your experiences and advice - this community is incredibly helpful for navigating these government bureaucracy headaches!

I'm new to this community but experiencing the exact same issue! My IRMAA letter still hasn't arrived and I'm getting really anxious about budgeting for 2025. My income jumped significantly in 2023 due to some stock sales, so I know I'm going to be hit with higher premiums but have no idea how much. Reading through all these responses has been incredibly helpful - especially learning about the processing delays and the dedicated Medicare premium line. I had no idea there was a separate number to call! I've been banging my head against the wall trying to get through the main SSA line. Going to try 1-800-772-1213 first thing tomorrow morning. It's so reassuring to know this is a widespread issue and not just me being forgotten by the system. Thanks to everyone for sharing your experiences and practical solutions!

As a new member here, I'm dealing with this exact same frustrating situation! Still haven't received my 2025 IRMAA letter and it's making financial planning impossible. My income increased substantially in 2023 due to some retirement account withdrawals, so I'm definitely expecting higher premiums but have no clue what to budget for. Reading through everyone's experiences here has been such a relief - I was starting to think SSA had lost my file completely! The information about processing delays and the dedicated Medicare premium hotline at 1-800-772-1213 is incredibly valuable. I had no idea there was a separate line with shorter wait times. Planning to call first thing Monday morning. It's so helpful to have a community where people share real solutions instead of just complaining. Thanks to everyone for the practical advice and income threshold estimates - at least now I can make some educated guesses for my 2025 budget while waiting for the official letter!

I'm new to this community and facing the exact same IRMAA letter delay! Haven't received mine yet and it's driving me crazy trying to plan my 2025 budget. My situation is a bit different though - I had a one-time large inheritance in 2023 that pushed my income way up, but my regular income is actually quite modest. After reading all the helpful advice here, I'm definitely going to try the dedicated Medicare premium line at 1-800-772-1213 that everyone's recommending. It's such a relief to know this is a widespread issue and not just me! Quick question for those who've gotten through - when you call that Medicare premium line, do they ask for any specific information or documents, or can they look everything up just with your Social Security number? Want to make sure I'm prepared before I call. Thanks to everyone for sharing your experiences - this community is invaluable for navigating these bureaucratic nightmares!