Social Security overpayment letter
Got a letter saying Social Security overpaid? See the deadlines and the requests that fit.
A few answers from the letter show the key dates, which request to send, and what withholding does to the monthly check. Every rule links to Social Security's own policy. Free, and nothing is saved.
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Common questions
What is a Social Security overpayment?
It means Social Security says it paid more than it should have — for example after a change in work, income, or living situation that was not counted in time. The letter says how much and how Social Security plans to get it back.
How much of the check can Social Security hold back?
For retirement, survivors, and disability benefits, letters sent since April 25, 2025 default to holding back 50% of the monthly payment. For SSI the default is 10%. A lower amount can be asked for.
What is the difference between disputing it and asking for a waiver?
A dispute (called reconsideration) says the overpayment did not happen or the amount is wrong. A waiver says the person was not at fault and paying it back would be a hardship or unfair. Both can be sent at the same time.
Is there a deadline?
A dispute is due within 60 days of getting the letter. A waiver can be asked for at any time, even after withholding starts. Sending a request early can keep withholding from starting while Social Security reviews it.
Can a family member handle this for a parent?
A family member can help gather papers, fill out forms, and call. Social Security may need to talk with the person, or need them on the line to give permission, unless the family member is the representative payee or legal guardian.
Is this legal advice?
No. This page explains Social Security's published rules and helps get organized. For advice about a specific case, free legal aid offices often help with overpayments.
Not legal or financial advice. Social Security makes the final decision. DiscoverSeniorBenefits is not a government agency.