Social Security Administration
Date: Month, day, year
Claim Number: xxx-xx-xxxxA
City State Zip
Your Social Security benefits are protected against inflation. By law, they increase
when there is a rise in the cost-of-living. The government measures changes in the
cost of living through the Department of Labor's Consumer Price Index (CPI). The CPI
has not risen since the last cost-of-living adjustment was determined in 20xx. As
a result, your benefits will not increase in 20xx.
The Social Security Act requires some people to pay higher premiums for their Medicare
Part B (Medical Insurance) and their prescription drug coverage based on their income.
Because of your income, your premiums will be increased. The information in this notice
about your premiums is for 20xx
If you currently do not have Medicare Part B or prescription drug coverage and enroll
in 20xx, those premiums will also be increased based on your income.
How Much Social Security Will I Get?
Your new 20xx monthly benefit amount before deductions is: $x,xxx.xx
Your 20xx monthly deduction for the Medicare Part B Premium is: $xxx.xx
$xxx.xx for the standard Medicare premium, plus
$xx.xx for late filing surcharges for Medicare Part BP plus
$xxx.xx for the income-related monthly adjustment amount based on your 20xx
Your Medicare Premiums
If you are enrolled in Medicare Part B, your Medicare Part B premiums for 20xx include
any surcharges for late enrollment or reenrollment, plus an income-related monthly
adjustment amount. Your Medicare Part B premiums, including the income-related monthly
adjustment amount, will be deducted from your Social Security benefits, if you have
prescription drug coverage, your income-related monthly adjustment amount for that
coverage will be deducted from your Social Security benefits regardless of how you
ordinarily pay your prescription drug coverage premiums. If the prescription drug
coverage income-related monthly adjustment amount is more than the benefit payment,
we will not be able to deduct it. If this happens, you will get a separate bill from
the Centers for Medicare & Medicaid Services.
Each year to decide if you must pay an income-related monthly adjustment amount, we
use your Federal income tax information for the most recent tax year that is available.
However, we do not use any information that is more than three years old. We ask the
Internal Revenue Service (IRS) for your tax filing status, your adjusted gross income,
and your tax-exempt interest income. We then add your adjusted gross income together
with your tax-exempt interest income to get an amount that we call modified adjusted
gross income (MAGI). We compare your MAGI with the income thresholds set by Medicare
MAGI may include one-time only income, such as capital gains, the sale of property,
withdrawals from an Individual Retirement Account (IRA) or conversion from a traditional
IRA to a Roth IRA. One-time income will affect your Medicare premium for only one
How We Figured Your Income Related Monthly Adjustment Amounts
The IRS told us that in 20xx you filed your taxes as Single. You had an adjusted gross
income of $xx,xxx.xx plus $xx,xxx.xx in tax-exempt interest income. We added these
amounts together to get your MAGI of $ xxx,xxx.xx.
We used the following table to decide income-related monthly adjustment amounts for
the Medicare Part B premiums and prescription drug coverage premiums:
|If you filed as:
||With MAGI of:
|Single, Head of
||$85,000.01 - $107,000.00
||$107,000-01 - $160,000.00
||$160,000.01 - $214,000.00
||More than $214000.00
||$170,000.01 - $214,000.00
||$214,000.01 - $320,000.00
||$320,000.01 - $428,000.00
||More than $423,000.00
||$85,000,01 - $129,000.00
(if you lived apart
throughout 20xx, see
below about Some
|More than $129,000.00
These income-related monthly adjustment amounts are effective for 20xx only. Next
year when we receive updated information from the IRS, we will make a new decision
about any income-related adjustment amounts.
Some Special Situations That May Apply To You
If your tax filing status was married, filing separately, and you lived apart from
your spouse throughout the tax year we used, please call us about your living arrangement.
It could lower your IRMAA. We will set up an appointment to discuss that information.
You will need to bring a copy of the most recent income tax return you filed with
IRS to the appointment.
If you have been paying a reduced Part B premium based on a small Social Security
benefit, the increased premium amount will apply beginning with your January benefit.
If Your Income Has Gone Down
In some situations, we can make a new decision about your income-related monthly adjustment
amounts. Contact us to request a new decision if your MAGI has gone down at least
one range in the table above or has gone below the lowest amounts in the table since
you filed your 20xx tax return, AND the decrease in MAGI was caused by any of the
following life-changing events:
You divorced, or your marriage was annulled,
You became a widow or widower,
You or your spouse stopped working or reduced work hours,
You or your spouse lost income-producing property due to a disaster or other event
beyond your control,
You or your spouse experienced a scheduled cessation, termination, or reorganization
of an employer's pension plan, or
You or your spouse received a settlement from an employer or former employer because
of the employer's closure, bankruptcy or reorganization.
We will use the new lower MAGI to see if we can make a new decision about your income
related monthly adjustment amounts. We cannot make a new decision if your income has
changed for a reason other than those listed above, such as receiving one-time income
from capital gains.
You will need to submit proof of the event listed above that caused your income to
go down (such as a death certificate, a letter from your pension fund administrator,
or a letter from your employer about your retirement). If you filed an amended or
corrected tax return for the year you want changed, you will also need to submit a
copy of the tax return with proof it has been received by the IRS.
If your MAGI has gone down at any time during January through September, you will
need to tell us before the end of that year so we can correct your income-related
monthly adjustment amount in that year. However, if the event that makes your MAGI
go down did not occur until October 1 or later in the year, we can correct your income-related
monthly adjustment amount for that year if you tell us before the end of March of
the following year.
If The Information We Used Is Incorrect
We based the income-related monthly adjustment amounts on information we received
from the IRS. If you have proof that the information we received from the IRS was
not correct, please contact us to ask for a new decision about your income-related
Medicare premiums. If you filed an amended tax return for that year, you will need
to show us a copy of your amended Federal income tax return. You also will need to
show us a letter or transcript from the IRS acknowledging receipt of your amended
return. If the IRS corrected their records of your tax information for the year we
used, you will need to show us the letter you received from the IRS. If you do not
have all this information, the IRS can help you get it.
If we have included an income-related monthly adjustment amount for your prescription
drug coverage, and you do not have a prescription drug coverage, please contact the
Centers for Medicare & Medicaid Services (CMS) at 1-800-MEDICARE (1-800-633-4227;
TTY 1-877-486-2048). CMS is the only agency that can correct the information about
your prescription drug coverage.
If You Disagree With Our Decision
If you disagree with our decision about your income-related monthly adjustment amounts,
you have the right to:
request a new decision if your income has gone down due to any of the life-changing
events listed above; or
request a new decision using more recent tax information if you have amended or corrected
tax information for 20xx, or if we used tax information for 20xx; and/or
If you qualify for a new decision on your income-related monthly adjustment amount,
we will make a new decision using your tax information. You will not need to file
an appeal on this decision if we find that you qualify for a new decision. If we make
a new decision, you will be able to file an appeal on the new decision.
If You Want To Appeal This Decision
If you disagree with this decision about your income-related monthly adjustment amounts,
you have the right to appeal. We will review the decision we made to verify that a
correct decision was made. A person who did not make the first decision will decide
If you do appeal, we may start withholding your increased premiums before we make
our decision on your appeal. If we change our decision about your income-related monthly
adjustment amounts, we will correct the amounts and refund any incorrectly withheld
We based the income-related monthly adjustment amounts of your Medicare Part B and
prescription drug coverage premiums on information we received from the IRS. If you
request an appeal because you believe that the IRS information is incorrect, we will
give you information on how you can contact the IRS to obtain evidence to support
your request for a new decision. If you request an appeal because we included amounts
for your prescription drug coverage and you do not participate in that program, you
will need to contact the Centers for Medicare & Medicaid Services (CMS) at 1-800-MEDICARE
(1-800-633-4227; TTY 1-877-486-2048). CMS is the only agency that can correct the
information about your prescription drug coverage.
You have 60 days to ask for an appeal,
The 60 days start the day after you get this letter. We will assume you received this
letter 5 days after the date of the letter, unless you show us that you did not get
it within the 5-day period.
You must have good reason for waiting more than 60 days to ask for an appeal.
You may contact one of our offices to file your appeal. You may also request an appeal
using a Form SSA-561-U2, called "Request for Reconsideration." You can find the form
online at www.socialsecurity.gov/online/ssa-561.pdf, or you can call 1-800-772-1213 for help.
If You Want Help With Your Appeal
You can have a friend, representative or someone else help you with your appeal. You
should let us know if someone will be helping you. If you pay a fee to someone for
helping you, the fee cannot be automatically deducted from your monthly benefits.
You are responsible for paying all legal fees.
Things To Remember For The Future
If you have children or grandchildren younger than age 19 who are not covered by health
insurance, the Children's Health Insurance Program may help. To find out more, visit
www.insurekidsnow.gov or call, toll-free,
1-877-KIDS-NOW (1-877-543-7669). The number connects you to your State's program.
The Eldercare Locator is a free public service of the U.S. Administration on Aging.
By calling 1-800-677-1116, or visiting www.eldercare.gov, you can connect with a specialist in your area who can explain programs that give
financial, employment, legal, and caregiving help to seniors.
Be aware of scams through the mail, Internet, telephone, or in person. You should
be careful when someone asks for personal information, including your Social security
For More Information Or To Contact Us
We invite you to visit our website at www.socialsecurity.govon the Internet to find general information about Social Security. If you have questions
about your income-related monthly adjustment amounts, please visit www.medicare.gov. You can also call us at 1-80O-772-12I3 and speak to a representative from 7 a.m.
until 7 p.m. on business days. If you have a touch-tone phone, recorded information
and services are available 24 hours a day. Our lines are busiest early in the week
and early in the month, so if your business can wait, it is best to call at other
times. If you are deaf or hard of hearing, you may call our TTY number. 1-800-325-0775.
If you are inside the United States, you also can visit your local office. If you
are outside the United States, you can contact any U.S. embassy or consulate office,
or the Veterans Affairs Regional Office in Manila. Please have your full nine-digit
Social Security claim number available when you call or visit and include it on any
letter you may send to the Social Security Administration.
550 FOREST AVE
PORTLAND ME 04101
If you have questions about your Medicare coverage, visit www.medicare.govor call 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048).