How to Appeal an IRMAA Determination If you are assessed an IRMAA surcharge in 2026 and believe it is incorrect, you have the right to appeal through Social Security’s "Life-Changing Event" process. Significant events such as retirement, marriage, divorce, death of a spouse, or loss of income can qualify for a reassessment of your IRMAA determination. You must provide documentation ... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets