<p>Jim and Chris discuss listener emails on Social Security survivor benefits, IRMAA relief and the SSA-44 process, the Social Security earnings test, disclaiming inheritances that are brokerage accounts, and Roth conversion rules for retirees.</p> <p>(6:00) A listener asks whether his wife&#8217;s early Social Security claim at 62 would reduce the survivor benefit she&#8217;d receive upon his death.</p> <p>(14:00) George asks several questions stemming from a successful SSA-44 IRMAA relief request, including whether a retroactive refund is due, whether Step 3 covers the following year, and whether a separate filing is needed for his own income reduction.</p> <p>(27:30) Jim and Chris respond to a listener who clarifies that benefits withheld under the Social Security earnings test are deferred, not lost, and are returned as a higher benefit at full retirement age.</p> <p>(31:00) Georgette asks when it makes sense to disclaim an inherited brokerage account and whether passing the assets directly to their children is the right move.</p> <p>(40:45) The guys are asked about the rules and tax implications of converting brokerage account funds to a Roth IRA, including whether having no earned income in retirement disqualifies someone from doing</p> <p>The post <a href="https://www.theretirementandirashow.com/podcast/social-security-irmaa-disclaiming-inheritances-roth-conversions-qa-2609/">Social Security, IRMAA, Disclaiming Inheritances, Roth Conversions: Q&#038;A #2609</a> appeared first on <a href="https://www.theretirementandirashow.com">The Retirement and IRA Show</a>.</p>