# Senior Tax Breaks, Social Security Timing, and IRMAA Appeals

Page: https://stenobird.com/podcast/federal-tax-updates-5954475/senior-tax-breaks-social-security-timing-and-irmaa-appeals
Text version: https://stenobird.com/podcast/federal-tax-updates-5954475/senior-tax-breaks-social-security-timing-and-irmaa-appeals.md
Podcast: [Federal Tax Updates](https://stenobird.com/podcast/federal-tax-updates-5954475)
Published: 2026-09-14T14:00:00+00:00
Episode link: https://share.transistor.fm/s/11896cd0
Audio file: https://op3.dev/e/media.transistor.fm/11896cd0/be39ca81.mp3
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JSON: https://stenobird.com/v1/public/podcasts/federal-tax-updates-5954475/episodes/senior-tax-breaks-social-security-timing-and-irmaa-appeals
Duration seconds: 3439

## Resource

Roger and Annie tackle a topic they've never covered before: the tax issues that come with aging, for clients and preparers alike. They break down the new senior deduction, Social Security claiming strategies across the 62/67/70 timeline, IRMAA appeals, RMD rules, and when long-term care costs are actually deductible. They close with a cautionary tale about gifting appreciated property too early and the recordkeeping every family should have in place before it's needed. Sponsors Padgett - Contact Padgett or Email Jeff Phillips Get NASBA Approved CPE or IRS Approved CE Launch the course on EarmarkCPE to get free CPE/CE for listening to this episode. Links mentioned in this episode Chapters (00:00) - Welcome and Forum Travel (00:59) - Listener Shoutouts and Podcast Origins (02:21) - Tax Talk Today Inspiration (04:23) - Senior Deductions and Filing Thresholds (07:51) - Social Security Tax Basics (08:48) - When to Claim Social Security (15:48) - Solvency Fears and Policy Fixes (20:21) - Medicare Premiums and IRMAA Appeals (22:29) - Retirement Plans and Inherited IRAs (24:57) - RMD Rules and Planning Ideas (27:29) - Long Term Care and Medical Deductions (28:25) - Senior Living Deductions (29:12) - Chronically Ill Criteria (30:35) - Spouses Insurance Statements (32:21) - Meals Fees Itemizing (34:38) - Facility Records Due Diligence (36:26) - Gifts vs Inheritance Basics (37:57) - Basis Step Up Valuations (41:43) - Estate Returns Advisory (43:32) - Gifting Appreciated Property (43:57) - Lake House Cautionary Tale (48:04) - Client Records Planning (51:01) - Bank Red Tape Death Certificates (54:21) - Advisor Role Wrap Up (55:25) - Podcast Closing Updates Follow the Federal Tax Updates Podcast on Social Media twitter.com/FedTaxPod facebook.com/FedTaxPod linkedin.com/showcase/fedt…

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## Transcript

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