How it works

1. 1

   Upload the notice

   Free

   Take a photo or upload the PDF of the IRMAA initial determination, the IRMAA reconsideration decision, the Extra Help decision, or the Part D late-enrollment penalty notice. We read it and tell you which of the three ladders you're on, who sent it, and the date that starts your clock.

2. 2

   Get the explanation

   Free

   In plain language: what happened, why the notice says it happened, what the rule actually requiresrule20 CFR Part 418, Subpart B, and whether one of the 8 qualifying life-changing events applies to you — we ask about those first, since they're the most common real path to a lower premium.

3. 3

   See your real deadline

   Free

   For an IRMAA reconsideration or an Extra Help appeal: 60 days from when you received the notice (about 65 days from the date on it)rule20 CFR Part 404, Subpart J. For a Part D late-enrollment penalty reconsideration: 60 days from the date ON the letter itself — a different rule, running from a different date, and the one place this product tracks that distinction for you.rule42 CFR 423.46 Reminders by email so nothing slips — including a check-in reminder if Social Security's own process runs long, since it has no fixed decision deadline.

4. 4

   Fight it — Appeals Plus

   $39, per case

   We write the request first and show you the preview. If we can't write it, you're never asked to pay. This is the appeal packet:

   1. The request, argued from the rule you're bound by, with a footnote on every point SSA or CMS can check.
   2. The SSA-44, SSA-561-U2, or SSA-1021 request letter, and the filled Part D LEP reconsideration form — whichever your case actually needs.
   3. The SSA-1696 Appointment of Representative form, so you can act for your parent.
   4. Every follow-up letter as the case moves, at every level, for 12 months.
   5. Your information stays yours. Your parent's income figures and Social Security number go into the form when you download it and are never stored by us — a dollar amount you type into an explanation is automatically removed before it's saved.
5. 5

   Keep going until it's done

   Free

   Upload each decision as it arrives and the case moves to the next level with a new deadline and a new letter. If the process doesn't apply to your situation — a Part B late-enrollment penalty caused by a federal employee's bad information, for example — the case page tells you exactly who to call and what to say instead. One payment covers this case at every level for 12 months.

What $39 is compared to

Prices for other services as observed September 2026.

Then we keep track of it

Every step, every form, every date, in one place — free, for as long as the case takes.

Why not free?

The explanation is free because you shouldn't have to trust us before you've seen that we read your notice correctly. The packet costs money because it costs us money to build and keep current — the income brackets change every year, and every citation in your letter is checked against the current text the day you generate it.

Questions people ask

What if you can't write my letter?

Then there's nothing to pay for. We prepare your letter first and show you the preview; the $39 unlocks the download. You see your letter before you pay.

What if we lose?

No refunds based on outcome — we can't promise a result, and we don't. What we promise is that your letter argues from the rule and arrives on time.

Is this legal advice?

No. CaseWhy Appeals explains the rules and prepares documents; it isn't a law firm and doesn't replace one. When a lawyer helps, we say so.

Do you send the request for me?

Not yet. The letter tells you where and how to send it — most of these processes accept mail, fax, phone, or in person.

Is Plus a subscription?

No. Plus is a single, one-time payment of $39 per case — nothing renews or recurs, and no further charge follows for that case. It covers every letter and every appeal level for 12 months.