Wrong income on your IRMAA notice: the SSA-561 reconsideration
By Elder PaperworkUpdated
Short answer
If you disagree with your IRMAA decision, you can ask for a reconsideration within 60 days of receiving the notice.
Social Security uses Form SSA-561-U2, or you can appeal online.
For a life-changing event, use Form SSA-44 instead. No appeal is needed.
Sources: POMS HI 01140.001, June 2026; Social Security, Medicare premiums. Read November 4, 2026.
Key facts
When should I ask for a reconsideration?
When you disagree with the IRMAA decision itself. For example, the income or filing status used is wrong.
If the IRS figure is wrong, Social Security says to correct it with the IRS.
When don’t I need an appeal?
If a life-changing event lowered your income, ask for a new decision with Form SSA-44.
The same goes for an amended return or corrected IRS data.
Social Security says a new decision can give the same result as an appeal.
How do I ask for a reconsideration?
- Online, on Social Security’s appeal page
- With Form SSA-561-U2, Request for Reconsideration
- At a local office, or by calling 1-800-772-1213
Find out in a few minutes if you qualify.
Check my savingsHow long do I have?
60 days from receiving the notice. Receipt is presumed 5 days after the notice date.
A late request may be accepted if Social Security finds good cause.
What if the reconsideration is denied?
There are three more levels:
- A hearing before an administrative law judge (HHS)
- Review by the Medicare Appeals Council
- Federal court
Questions
Is SSA-561 the same as SSA-44?
No. SSA-561-U2 asks for a reconsideration. SSA-44 reports a life-changing event.
Can I file both?
Yes, at the same time, but Social Security says it is usually not needed.
Can a representative payee appeal for my parent?
Yes. A representative payee may request a reconsideration.