Free Guides

Plain-English guides to lowering a Medicare IRMAA surcharge — free, no email required.

What each part of the Medicare life-changing-event form is really asking — and the mistakes that get requests denied.

The form is two pages. The denials come from the evidence, not the boxes.

The 7 official categories, the borderline cases — home sales, Roth conversions, severance — and where the line actually sits.

Your event is the whole case. Here is the list Social Security works from.

CMS hasn't published the 2027 tables. What's expected, when, and what to prepare now using the 2026 table.

Anyone quoting exact 2027 numbers today is guessing. Here's the honest status.

Reconsideration, ALJ hearing, Appeals Council, federal court — deadlines, forms, and what each level actually reviews.

A denial is a door, not a wall — but every level has a 60-day fuse.

A conversion spikes one year's income and two years of Medicare premiums — unless the timing and the appeal are handled right.

The conversion itself isn't an event. What surrounds it often is.

Not financial or legal advice. Figures come from CMS and Social Security publications — the brackets page carries the full official tables.