It is death of spouse very close to year-end, so income in year of death is almost normal level, but going forward will be greatly reduced.
I am concerned about maybe waiting too long after death to apply for IRMAA reduction or also risking that IRMAA will kick in for several months before I will get any resolution, which may cause me a cash crunch in the short term.
My plan was to file the 2023 return, then file the SSA-44. So, Q1 2024. The IRMAA notice would not normally be in my hands until December 2024. Thought I would be proactive about it.
