IRMAA Appeal Checker: what counts, and what does not
2026 law · reviewed September 6, 2026
| Event | Qualifies | Authority |
|---|---|---|
| My spouse died | Yes | 20 CFR 418.1205(a) |
| I married | Yes | 20 CFR 418.1205(b) |
| My marriage ended by divorce or annulment | Yes | 20 CFR 418.1205(c) |
| I or my spouse stopped working | Yes | 20 CFR 418.1205(d) |
| We lost income-producing property (disaster, fraud, theft; not a sale) | Yes | 20 CFR 418.1205(e) |
| An employer pension was cut off, ended, or reorganized | Yes | 20 CFR 418.1205(f) |
| We received an employer settlement from a closure, bankruptcy, or reorganization | Yes | 20 CFR 418.1205(g) |
| Selling property or a business by choice | No | 20 CFR 418.1210 |
| Ordinary investment losses | No | 20 CFR 418.1210 |
| A one-time IRA withdrawal, Roth conversion, or capital gain in the lookback year | No | 20 CFR 418.1210 |
| Retiring in a year that is not the one you are asking about | No | 20 CFR 418.1210 |
Major life-changing events for a Medicare income-related premium appeal, and the events that are not (20 CFR 418.1205 and 418.1210).
Educational only, not investment, tax, or legal advice. Results are hypothetical estimates that vary with each use and over time and are not guaranteed accurate or complete. Using this tool creates no client relationship with Considerate Capital, and the site that linked here is not affiliated with it. By using it you agree to the tool terms.