What you can do if you have a Social Security or SSI overpayment (2024)

An overpayment occurs when Social Security pays a person more money in Social Security benefits or SSI payments than should have been paid. The amount of the overpayment is the difference between the payment received and the amount that was due.

Social Security is required by law to adjust benefits or recover debts when an overpayment occurs. If you receive an overpayment notice, it will explain why you’ve been overpaid, the overpayment amount, your repayment options, and your appeal and waiver rights.

After receiving an overpayment notice, you can:

* Repay the overpayment in full or through a repayment plan by check, money order, credit card or by monthly reductions from your Social Security benefit. You may be able to make a full or partial repayment using Pay.gov or your bank’s online bill pay option. We offer flexible repayment plans, including payments as low as $10 per month.

*Appeal the overpayment if you don’t agree that you’ve been overpaid, or you believe the amount is incorrect. You can request a non-medical reconsideration online or you can submit a completed SSA-561, Request for Reconsideration, to your local Social Security office.

*Request that we waive the overpayment if you believe you are not at fault for causing the overpayment AND you cannot afford to pay the money back or it is unfair for some other reason. You can ask for a waiver by submitting a completed SSA-632, Request for Waiver of Overpayment Recovery, to your local office. If your overpayment is $1,000 or less, we may be able to process your waiver request quickly by telephone. You can contact your local office or call us at 1-800-772-1213, Monday through Friday, between 8 a.m. and 7 p.m.

*Request a different repayment amount if you are unable to meet your necessary living expenses due to the current repayment amount. If you are unable to repay the debt within 60 months* due to the negotiated repayment amount, you will be asked to complete form SSA-634, Request for Change in Overpayment Recovery Rate. You can find the form at www.ssa.gov/forms/ssa-634.pdf.

*This is a recent policy change. Previous policy required the completion of the SSA-634 if the overpayment could not be repaid within 36 months.

Supplemental Security Income

Q: I moved in with my parents until I get back on my feet. Why did my Supplemental Security Income (SSI) payment decrease?

A: If you receive SSI, your living arrangements can affect your monthly payment. When you live in another person’s home and do not pay your fair share of the living expenses, this is counted as “in-kind” income and can reduce your SSI payment. You must report any changes in your living arrangement to Social Security within 10 days of the change. When reporting a change in living arrangements, you need to tell us your address, who you live with, and what you contribute toward the household bills and expenses. Any changes in your living arrangement must be reported. Report changes in your living arrangement at 1-800-772-1213 (TTY 1-800-325-0778) between 8 a.m. to 7 p.m., Monday through Friday. Learn more about SSI and the things you need to report at www.ssa.gov/ssi.

Q: What is the purpose of Supplemental Security Income, or SSI?

A: The purpose of SSI is to help aged people, the blind, and people with disabilities who have little income and few resources to support themselves. It provides financial assistance to meet basic needs for food, clothing, and shelter. You can receive SSI even if you have not worked and paid into Social Security. SSI is a federal income supplement program funded by general tax revenues (not Social Security taxes). Find out more at www.ssa.gov/ssi.