Dispute IRMAA after 401k withdrawal

[LostDollar]

The 401K is not the issue. They don't care how you got the money.

They care if you have a qualified appeal scenario.

So if he took the 401K money in 2023 AND has an appeal reason AND projects a lower income in 2025, he's golden.

That concept raises a interesting idea relating to ginormous retirement plan balances and Roth conversions in the one or two years immediately preceding retirement from salaried employment.