Overpayments

Overpayments occur when Social Security doesn’t have up to date information about your situation, which results in them paying you more than they should. When this happens, they will take back the extra amount by withholding part of your monthly payment, this is called an overpayment. If you’ve been overpaid, you should contact Social Security to understand the cause of the overpayment, discuss repayment options or ask for a waiver if the overpayment was not your fault and you can’t afford to pay it back. For more details, read the Social Security Overpayment Fact Sheet. Key points to know:

Key Differences Between SSI and SSDI Recovery

Feature SSI SSDI Amount Withheld 10% of monthly payment 50% of monthly payment Request lower amount Yes - as low as $10/month Yes - as low as $10/month Administrative waiver Yes Yes

SSI Recipients How SSA recovers the overpayment: SSA will withhold 10% of your monthly SSI payment until the overpayment is paid off. Example, if your SSI payment is $1,233.94, they will withhold $123 per month. Request a lower amount: If 10% is too much, you can ask for a lower amount. In some cases, you can pay as little as $10 per month. Call SSA or use the Request for Change in Overpayment Recovery Rate Form.

SSDI Recipients How SSA recovers the overpayment: SSA often withholds your full monthly SSDI benefits until the overpayment is paid off. The default amount was adjusted to 50% of your SSDI payment in April 2025. Example: if your SSDI payment is $1,500, they will withhold $750.00. Request a lower amount: You can request a lower amount by setting up a payment plan with Social Security, call or use the Request for Change in Overpayment Recovery Rate Form.

Both SSI &SSDI Extended repayment plans: SSA may allow repayment plans for up to 60 months, giving you more flexibility. Administrative Waiver: If the overpayment was not your fault and is $2,000 or less, SSA may approve your waiver quickly over the phone. Waiver: If the overpayment was not your fault and you cannot afford to pay it back or think it is unfair for other reasons complete a Request for Waiver of Overpayment Recovery. Appeal: If you don't agree with the overpayment or the amount you can submit a Request for Reconsideration within 60 days of the notice. This is your chance to share updated information or documentation for Social Security to review.