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Index/Topics/Tax returns and IRMAA

Tax returns and IRMAA

The SSA uses IRS data with a two-year lag to determine IRMAA

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Jan 23, 2026
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What documentation and appeals process exists to request IRMAA reduction due to one-time spikes like large capital gains?

A person hit with because of a one‑time capital gain faces a narrow path: bases IRMAA on Modified Adjusted Gross Income (MAGI) from the tax return two years earlier, accepts requests for a new determi...