FREE NEWSLETTER
Go to main Forum page »
My wife passed away in June. Our 2024 MFJ tax return was in the first IRMAA premium tier. The 2024 tax return will be the basis for my SS Part B fee including the IRMAA premium. My wife’s only income was SS and my projected 2026 MAGI will be reduced because of this. However, the main reason we were in the IRMAA Premium tier was that I did a $106k Roth conversion from my TIRA. How will this be dealt with now that I will be a single tax payer in 2026?
I will also file jointly in 2025 but do not expect to trigger any IRMAA premium based upon the MFJ brackets although I plan another Roth conversion. Will my 2027 SS Part B fee allow me to use my projected 2027 income or will it be based up our 2025 MAGI using the IRMAA single taxpayer brackets?
Hopefully, this makes sense and I hope to hear from our tax experts on this.
Jerry Pinkard
Jerry – my sympathies. It sounds like you’re addressing what needs to be handled, but I hope you are doing OK.
Jerry, I’m sorry for your loss.
I’m no tax expert, but you can request relief from IRMAA surcharges based on a “life-changing event”, including death of a spouse: Request to lower an Income-Related Monthly Adjustment Amount (IRMAA) | SSA
You raise good questions Jerry, and I can see your concerns. The tax experts on HD should be able to have an answer. Sorry for your loss.
I don’t know anything about IRMAA, but wanted to say I am very sorry to hear about your wife’s passing, Jerry. Chris