IRMAA after a divorce or annulment
By Elder PaperworkUpdated
Short answer
Divorce or annulment is one of the 8 life-changing events Social Security accepts for IRMAA.
It can change your filing status and your income. The proof is a certified copy of the decree.
Your request covers only you, not your ex-spouse.
Sources: POMS HI 01120.020; Form SSA-44 (12-2025). Read November 4, 2026.
Key facts
Does a divorce count as a life-changing event?
Yes. Divorce and annulment are both on the list.
They can change your filing status and your MAGI. The effect on income may come later.
What proof do I need?
A certified copy of the divorce or annulment decree.
You also give your income and filing status for the year to use. An estimate is accepted.
How do I ask Social Security?
Social Security lists these ways to send Form SSA-44 with your evidence:
- Online, after you sign in to your account
- By phone at 1-800-772-1213 (TTY 1-800-325-0778)
- By fax or mail to a Social Security office
You can do this yourself, for free.
Box by box: how to fill out Form SSA-44.
See your possible savings first. No commitment.
Check my savingsDoes my request cover my ex-spouse?
No. If your ex-spouse is also affected, they contact Social Security themselves.
Questions
Is an annulment treated like a divorce?
Yes. Both are listed as the same life-changing event.
What proof does Social Security want?
A certified copy of the divorce or annulment decree.
Can I use an estimate of my income?
Yes. Social Security asks for your signed return once it’s filed.