If the Social Security Administration says it paid you too much, you may have options. You can dispute the amount, request a waiver or arrange to repay over time.
Why it happens
- Unreported changes in income or work.
- Changes in living arrangements or household.
- Agency errors.
- Benefits paid after a status change.
Your options
- Read the notice and note the deadline, usually 60 days to appeal.
- Ask for a reconsideration if you think the overpayment is wrong.
- Request a waiver if you were not at fault and repayment would be unfair or you cannot afford it.
- Ask for a payment plan if you must repay.
- Request that SSA stop withholding while your appeal or waiver is pending, if eligible.
Documents to gather
- Proof of income and expenses.
- Medical records if relevant.
- Communications with SSA.
- Evidence that you reported changes.
Get help
Legal aid and some nonprofit organizations help with overpayment appeals. Respond promptly, because SSA can withhold future benefits or collect through other federal payments.
Frequently asked questions
Can SSA take my tax refund?
It can collect overpayments through the Treasury offset program.
Does a waiver cancel the debt?
If approved, you do not have to repay that amount.