<description>&lt;p data-start="56" data-end="390"&gt;Jim and Chris discuss listener emails starting with PSAs about IRMAA and Social Security spousal benefit applications, then questions on IRMAA, QLAC-related RMD rules, and a Roth conversion involving a fixed indexed annuity (FIA).&lt;/p&gt; &lt;p data-start="392" data-end="577"&gt;(9:30) Georgette shares a PSA explaining that she successfully filed Form SSA-44 preemptively—before receiving an IRMAA determination letter.&lt;/p&gt; &lt;p data-start="579" data-end="805"&gt;(21:15) A listener offers a PSA describing issues with an online Social Security spousal benefit application that was denied after being submitted separately from the working spouse’s application.&lt;/p&gt; &lt;p data-start="807" data-end="1018"&gt;(29:45) The guys discuss how the Social Security Administration determines IRMAA when a tax return is delayed due to combat-zone service and whether a significant drop in income qualifies for Form SSA-44 relief.&lt;/p&gt; &lt;p data-start="1020" data-end="1293"&gt;(38:45) Jim and Chris address whether overestimating income on Form SSA-44 results in a refund, how survivor benefits are affected if claimed early, and whether post-retirement employer coverage is treated as active employee benefits for Medicare Part B and IRMAA purposes.&lt;/p&gt; &lt;p data-start="1295" data-end="1476"&gt;(50:45) George asks whether payments in excess of the RMD from a QLAC can be applied toward RMDs for other IRAs, or only toward the non-annuitized portion of the same IRA.&lt;/p&gt; &lt;p data-start="1478" data-end="1699"&gt;(1:00:20) A listener asks how the pro rata rule applies to a Roth conversion when assets include a fixed indexed annuity (FIA) with a guaranteed lifetime withdrawal benefit.&lt;/p&gt; &lt;p&gt;The post &lt;a href="https://www.theretirementandirashow.com/podcast/irmaa-social-security-qlacs-roth-conversions-qa-2550/"&gt;IRMAA, Social Security, QLACs, Roth Conversions: Q&amp;#038;A #2550&lt;/a&gt; appeared first on &lt;a href="https://www.theretirementandirashow.com"&gt;The Retirement and IRA Show&lt;/a&gt;.&lt;/p&gt;</description>

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

IRMAA, Social Security, QLACs, Roth Conversions: Q&A #2550

DEC 13, 202591 MIN
The Retirement and IRA Show

IRMAA, Social Security, QLACs, Roth Conversions: Q&A #2550

DEC 13, 202591 MIN

Description

<p data-start="56" data-end="390">Jim and Chris discuss listener emails starting with PSAs about IRMAA and Social Security spousal benefit applications, then questions on IRMAA, QLAC-related RMD rules, and a Roth conversion involving a fixed indexed annuity (FIA).</p> <p data-start="392" data-end="577">(9:30) Georgette shares a PSA explaining that she successfully filed Form SSA-44 preemptively—before receiving an IRMAA determination letter.</p> <p data-start="579" data-end="805">(21:15) A listener offers a PSA describing issues with an online Social Security spousal benefit application that was denied after being submitted separately from the working spouse’s application.</p> <p data-start="807" data-end="1018">(29:45) The guys discuss how the Social Security Administration determines IRMAA when a tax return is delayed due to combat-zone service and whether a significant drop in income qualifies for Form SSA-44 relief.</p> <p data-start="1020" data-end="1293">(38:45) Jim and Chris address whether overestimating income on Form SSA-44 results in a refund, how survivor benefits are affected if claimed early, and whether post-retirement employer coverage is treated as active employee benefits for Medicare Part B and IRMAA purposes.</p> <p data-start="1295" data-end="1476">(50:45) George asks whether payments in excess of the RMD from a QLAC can be applied toward RMDs for other IRAs, or only toward the non-annuitized portion of the same IRA.</p> <p data-start="1478" data-end="1699">(1:00:20) A listener asks how the pro rata rule applies to a Roth conversion when assets include a fixed indexed annuity (FIA) with a guaranteed lifetime withdrawal benefit.</p> <p>The post <a href="https://www.theretirementandirashow.com/podcast/irmaa-social-security-qlacs-roth-conversions-qa-2550/">IRMAA, Social Security, QLACs, Roth Conversions: Q&#038;A #2550</a> appeared first on <a href="https://www.theretirementandirashow.com">The Retirement and IRA Show</a>.</p>