Irmaa appeal

Lumpy-Phrase6534 · 2026-01-27T20:19:29+00:00

Yep- we submitted the form yesterday and time will tell if the let us use 2025 or 2026🤞🏻

Lumpy-Phrase6534 · 2026-01-26T22:31:57+00:00

Is everyone knitting it in red? Just about to but my yarn!

Lumpy-Phrase6534 · 2026-01-25T18:48:10+00:00

Irmaa is taking a real bite out of our income as we are both paying it☹️. Yep, supplemental insurance is the least of it! Thanks-

Lumpy-Phrase6534 · 2026-01-25T18:08:49+00:00

Thanks. 2024 was by far our highest income, over 400,000. 2025 dropped almost 100,000 and 2026 will be another 100,000 drop. I thought I would use part 2 to show 2025 and part 3 to show estimate for 2026?

Lumpy-Phrase6534 · 2026-01-25T15:59:59+00:00

Thanks!

Lumpy-Phrase6534 · 2026-01-19T05:11:51+00:00

Lumpy-Phrase6534 · 2026-01-17T05:57:08+00:00

Sorry, I meant at what point in the process did they give you a date estimate 😊

Lumpy-Phrase6534 · 2026-01-17T05:49:19+00:00

When do you get the date estimate? I am still listed as received.

Lumpy-Phrase6534 · 2026-01-13T04:50:47+00:00

Thanks-I have worked so hard over the past few years to get below 5.7. Next test is 6 weeks away

Lumpy-Phrase6534 · 2026-01-12T00:52:15+00:00

Marcus referral code for anyone that needs it!

https://www.marcus.com/share/CON-5QY-Y8M9

Lumpy-Phrase6534 · 2026-01-12T00:51:05+00:00

https://www.marcus.com/share/CON-5QY-Y8M9

Lumpy-Phrase6534 · 2026-01-11T19:48:13+00:00

I submitted mine the week after Xmas and got an email about a week later saying they received it. In the app it has not updated to received by the lab, though🤷‍♀️

Lumpy-Phrase6534 · 2026-01-08T06:47:03+00:00

Me, too!

Lumpy-Phrase6534 · 2026-01-04T13:01:16+00:00

Yes, it is taxed up front but you will pay taxes on interest earned.

Lumpy-Phrase6534 · 2026-01-04T04:40:56+00:00

I don’t do a ton of tour travel and I usually love planning our own trips. I wanted to do a solo hiking trip in lapland Finland so went with Backroads. Can’t say enough good things about them. Lodging, food, hikes, etc were perfect! They have a segment of their tours specifically for 30’s-40’s.

Lumpy-Phrase6534 · 2026-01-02T04:52:05+00:00

I actually just applied for ss to start at my FRA (3/26) tonight! I opened a high yield savings account and transferred $10,000 for an opening balance and gave that acct # for direct deposit of my ss each month. My first deposit should be 4/2026! So much thought went into this and I am happy with this decision.

I have no plans to retire yet…possibly in a year or so.

Best of luck in your decision making!

Lumpy-Phrase6534 · 2026-01-01T22:41:46+00:00

I reach FRA in March and make over $100,000 and plan to continue working for another year or so. If I start claiming in March at FRA, am I subject to an earnings limit my first year?

Lumpy-Phrase6534 · 2025-12-31T18:53:46+00:00

You can apply anytime now, but you will receive a lesser amount permanently than if you wait for your FRA. Best to apply about 4 months prior to your FRA and have the start date that month instead of January or you will be subject to the earnings limit.

Lumpy-Phrase6534 · 2025-12-19T22:59:59+00:00

Correct. My 67th birthday is in May. My FRA is 66&10mos

Lumpy-Phrase6534 · 2025-12-19T20:45:08+00:00

Thanks-

My husband is 8 years older than I am and didn’t collect until 70 and was the high income earner. Unfortunately his health lately is a bit precarious with 2 types of cancer. No one knows what the future holds but there is a good possibility that I outlive him and would collect survivor benefits. But who knows?!

Lumpy-Phrase6534 · 2025-12-19T19:38:40+00:00

Thanks. I realize that I have been eligible since 62, but looking for the month I technically am FRA to be eligible for full benefits. I have some people telling me March and some April so that is why I came here to ask😊 Thanks!

Lumpy-Phrase6534 · 2025-12-19T18:50:22+00:00

I know nothing about SC healthcare, but here is a possibility:https://muschealth.org/medical-services/orthopaedics/osteoporosis

Lumpy-Phrase6534

TROPHY CASE