Since RMD is not required in 2020, that should lower my client's AGI under the 85K limit. How can I request Social Security to reduce the premium? I have done that in the past when a client retired, when I could prove income will decrease, but I can't remember how I did it. Any advice?
You can't file for a change due to "decreased income"; it is only for a "life changing event". See the top of page 2 of Form SSA-44:
https://www.ssa.gov/forms/ssa-44-ext.pdf
But in a couple of years, they will look at your client's lower income and decrease the premium based on that year's AGI. If your client's income goes back up, so will the Medicare premium the next year.
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