IRMAA, Inherited IRA, LTC, ACA Tax Credits: Q&A #2602

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 729 Ratings

🗓️ 10 January 2026

⏱️ 62 minutes

🔗️ Recording | iTunes | RSS

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Summary

Jim and Chris are joined by Jake to discuss listener questions on SSA-44 and IRMAA surcharges, inherited IRA spousal rollover rules, long-term care insurance benefit caps, and ACA tax credits.

(4:45) George asks whether an unexpected W-2 stock option payout in 2025 could support filing SSA-44 to reduce 2027 IRMAA surcharges, especially if he stops consulting income afterward.

(12:00) A listener asks whether SSA-44 can be used retroactively to request a refund of 2025 IRMAA surcharges after a job loss pushed MAGI below the threshold.

(18:15) Georgette asks whether she can take withdrawals from her deceased spouse’s inherited IRA without penalty and still later move the remaining balance into her own IRA.

(28:00) The guys address why long-term care insurance policies often have a lifetime benefit cap and whether benefits can run out during an extended care event.

(46:45) Chris and Jake cover whether long-term capital gains count toward the modified adjusted gross income used for ACA tax credits and can affect eligibility.

The post IRMAA, Inherited IRA, LTC, ACA Tax Credits: Q&A #2602 appeared first on The Retirement and IRA Show.

Transcript

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0:00.0	The retirement and IRA show represents the words and views of the show hosts exclusively and should not be construed as investment legal or tax advice. All information is believed to be from reliable sources. However, we make no representation as to its completeness or accuracy. All economic and performance information is historical in nature and is not indicative of any future results. Any indices mentioned on the show are unmanaged and cannot be invested indirectly. Diversification and asset allocation strategies do not assure profit or protect against loss.
0:23.9	Never make any investment or financial decisions based on information offered on this show
0:26.9	without first consulting your financial legal or tax advisor.
0:29.7	Financial planning services offered through Jim Solnior and Associates LLC, a registered investment
0:33.4	advisor.
0:38.4	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:43.8	Join us as certified financial planner Jim Sondier, as well as Colorado State
0:48.2	University Finance instructor and certified financial planner Chris Stein, teach you about
0:53.1	IRAs, 401K's, annuities,
0:56.2	social security, pension plans, and estate planning in a fun and enjoyable show.
1:01.4	Whether you are listening live in Colorado or streaming from their website or iTunes podcast,
1:06.7	Jim and Chris want you to know that they're available to help you plan for your retirement.
1:11.3	Just visit their website at Jimhelps.com.
1:14.5	That's Jim, H-E-L-P-S dot com, and click the Meet the Team button on the homepage.
1:20.7	Now here's Jim and Chris with today's show.
1:25.8	Well, hello, everybody, and welcome to the Retirement and IRA show Q&A edition for this week.
1:32.5	I think we have a pretty standard show other than we've got some time constraints today.
1:37.4	So this won't be one of those marathon shows.
1:39.7	That could be good news for some of you, bad news for others of you.
1:43.3	But I'm going to invite Jim in here post haste so that we can start diving into some questions.
1:51.0	He's down in Florida, joining me remotely.
1:56.0	I'm in Colorado.
	...

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