I have received conflicting advice about when to file.
On the form itself, it seems to indicate that I must first wait to receive an IRMAA notice from SSA. However, some financial advisors say to be proactive and file as soon as the life event has occurred. This would give the SSA plenty of time to consider my case and, hopefully, avoid high Medicare premiums while awaiting a ruling. (Life event 2023; income drop starting 2024)
I understand I will need to finalize my 1040 for 2023 in order to complete the SSA-44. I can document my life event and can pretty accurately estimate my income for subsequent years. Given this, can I try to pre-empt an expected 2025 IRMAA by filing the SSA-44 in Q1 2024? Or, must I wait to receive the 2025 IRMAA notice and file the SSA-44 in December 2024?
