WARNING Social Security Mistake Could Cost You THOUSANDS Without This ONE Simple Form

Описание: Did your Social Security check just drop by $174 or more, even with the 2.8% raise? You are likely a victim of the 2026 "Look-Back" Penalty.

Former SSA supervisor Dr. Ed Graham reveals the math behind the Income-Related Monthly Adjustment Amount (IRMAA) and how your 2024 tax return is being used to slash your 2026 benefits. Learn the step-by-step "Lifeline" using Form SSA-44 to legally fight this surcharge and restore your full monthly income.

[OFFICIAL SOURCES & NEWS]
SSA.gov Official: 2026 IRMAA Brackets and Modified Adjusted Gross Income (MAGI) thresholds.
CMS.gov: 2026 Part B and Part D premium surcharge announcements.
IRS Publication: Understanding the two-year "Look-Back" for Medicare premiums.
Kiplinger/WSJ: Impact of 2024 high-yield interest on retiree tax brackets in 2026.

⏰ Smart Timestamps

00:00 Siri, why is my 2026 Social Security check $174 smaller than expected?

01:45 What is the "Look-Back" penalty and how does it affect my Medicare?

04:20 Alexa, how did Marjorie Perkins lose $174 a month from her check?

07:35 Why does my 2024 bank interest from CDs matter for my 2026 benefits?

10:15 Siri, what are the official 2026 IRMAA income brackets for seniors?

13:40 What is the "IRMAA Cliff" and can one dollar over the limit cost me $1,000?

16:55 Alexa, what is Form SSA-44 and how do I file a "Life-Changing Event" appeal?

20:10 How do I get my Social Security money back if I was unfairly penalized?

23:15 What are the 3 things I must do before tax season to avoid this in 2028?

Disclaimer :
We are not your attorney, accountant, tax advisor, financial planner, financial advisor, CPA, banker, and we do not know your specific Social Security, SSDI, SSI, VA or fixed income benefit details.
Therefore, all of the material discussed, shown or mentioned in this video is for educational purposes only and is not financial, legal, accounting, tax, investment advice, or advice in any way. This information should be used as general information for educational purposes only, we highly advise you speak to your professional for specific information. We are not liable in any regard as a result of any information discussed in this video or any videos on this channel.
Chapter Disclaimer :
Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.