Social Security said I was overpaid by over $5,000 but is still charging me (2024)

A SOCIAL Security recipient has claimed they're still being charged after an overpayment worth over $5,000.

The frustrated American claimed the Social Security Administration (SSA) won't respond to work through the error.

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"On my disability I fought it," they wrote in a Facebook thread.

At first, they contested the overpayment and worked with an SSA representative to determine if the amount was the administration's error or the recipient's.

"[I] had mountains of paperwork, endless hours on the phone," the resident added.

"We determined there WAS an overpayment because I didn't understand the trial or something."

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"Also, just because I worked this month, I didn't get paid until the next month so I miscalculated," they continued.

The Supplemental Security Income (SSI) recipient noted that her son spoke with the SSA representative further, breaking down each month of payments.

It was then decided that they owed about $5,000 in excess money.

According to the recipient, it was still $5,000 less than they were previously required to pay back.

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Still, it was a considerable chunk of change, and they said, "I figure I will be dead before they reach that amount they say I owe."

The SSA representative the recipient used to speak to also supposedly retired, leaving them in the hands of another rep who allegedly never responded to calls about the next steps for the remaining cash owed.

'Not money I saw,' son insists after Social Security claims he owes $1.4k from 1978 - money they sent to his late mom_

"She never, not once, answered my messages," they claimed.

"I gave up and they just take the money out each month."

It's unclear if the recipient ever got ahold of the SSA representative after their post.

Thousands of Americans have been experiencing overpayment errors through their Social Security payments.

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Some have had it arguably worse, including a recipient who said they were paid $0 for several months due to an overpayment problem they allegedly did not cause.

"Instead of getting my Social Security check on the 2nd Wednesday of March, I received 0," they fumed in a separate Facebook thread.

They claimed a letter from the SSA informed them they'd continue to have $0 payments until July 24 to resolve the overpayment.

After they went down to their local Social Security office and "simply wept," their payments went back up, with only a small portion taken out of the checks to pay back, spread throughout several years.

Filing Waiver Form SSA-632

Those who cannot afford to pay back the overpayment amounts noted by the SSA or feel they should not have to can file a specific form.

  • The form is identified as SSA-632 on the SSA website and can be filled out and submitted at a local office.
  • "If you agree that you have been overpaid, but you feel you should not have to pay it back because you did not cause the overpayment and you cannot afford to repay it, you should file Form SSA-632," the SSA notes on its website.
  • It also lists multiple repayment options.
  • Recipients with additional questions are urged to call 1-800-772-1213.

Others have claimed they were forced to pay back $100,000 that was overpaid for 10 years before the discrepancy was ever caught.

A recently engaged American also argued that their fiancée would be forced to pay the SSA over $66,000 due to overpayments they were allegedly never notified about.

SSA director Martin J O'Malley noted in a statement last month that Americans would see a decrease in overpayment recovery rates to 10% per check until the amount is paid back.

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For more related content, check out The U.S. Sun's coverage of a recipient who claimed the SSA "took all of my benefits" after overpaying $13,000.

The U.S. Sun also has the story of a widow who claimed they were told by the SSA they'd be forced to pay back $80,000 but claims the error was "on them."

Social Security said I was overpaid by over $5,000 but is still charging me (2024)

FAQs

Social Security said I was overpaid by over $5,000 but is still charging me? ›

People have the right to appeal the overpayment decision or the amount. They can also ask Social Security to waive collection of the overpayment, if they believe it was not their fault and can't afford to pay it back. We examine every waiver request to determine if the person caused the debt and their ability to repay.

How can I get out of paying back an overpayment of Social Security? ›

If you agree that you have been overpaid, but you feel you should not have to pay it back because you did not cause the overpayment and you cannot afford to repay it, you should file Form SSA-632, Request for Waiver of Overpayment Recovery.

Does Social Security ever waive overpayments? ›

If you believe that you may have been overpaid, but feel that it was not your fault and you cannot afford to pay us back, you may ask for: A waiver of the overpayment. And complete form SSA 632 (Request for Waiver of Overpayment Recovery).

How do I get a refund for overpaid Social Security? ›

Your employer should adjust the excess for you. If the employer doesn't adjust the overcollection, you can use Form 843, Claim for Refund and Request for Abatement to claim a refund. Attach copies of your Forms W-2, Wage and Tax Statement for the year to Form 843.

How much does Social Security take out for overpayment? ›

As of March 25, 2024, the agency will collect ten percent (or $10, whichever is greater) of the total monthly Social Security benefit to recover an overpayment, rather than collecting 100 percent as was previous procedure. There will be limited exceptions to this change, such as when an overpayment resulted from fraud.

What can I do if Social Security says they overpaid me? ›

If you got a letter in the mail that says you were overpaid and need to pay us back, you can request a waiver. Ask us to waive repayment if you can't afford it and feel the error wasn't your fault, or if you believe the overpayment is unfair for another reason.

What happens if you get overpaid? ›

In most circ*mstances an employer has the right to claim back money if they've overpaid someone. They should contact the employee as soon as they're aware of the mistake. If an employee notices an overpayment in their payslip, they should talk to their employer as soon as possible.

How do I write a letter of waiver for Social Security? ›

How to Fill out the Request for Waiver Form:
  1. On Question 1 print your name and Social Security Number clearly.
  2. On Question 2, check the first box. ...
  3. Skip Questions 2 and 4 unless the overpayment was paid to someone else.
  4. On Questions 5, 6, and 7, explain why the overpayment was not your own fault.

At what age is Social Security no longer taxed? ›

Social Security income can be taxable no matter how old you are. It all depends on whether your total combined income exceeds a certain level set for your filing status. You may have heard that Social Security income is not taxed after age 70; this is false.

Why would Social Security say I have an overpayment? ›

Here are some things that can cause an overpayment: You were no longer disabled but you kept getting SSI payments. You didn't report your income to Social Security. You got married or someone else moved in with you and you did not tell Social Security right away.

What are the new Social Security overpayment rules? ›

Instead, he added, the agency will limit the clawback to 10% of an overpaid beneficiary's monthly benefit. Additionally, the Social Security Administration will extend repayment plans to 60 months, up from its prior limit of 36 months, giving recipients an additional two years to repay the money.

What you need to know about Social Security overpayments? ›

Social Security will waive overpayments of $50 or less. This is called the SSI $50 Rule. Where the overpayment is $1,000 or less and you file a request for reconsideration or waiver, Social Security will waive any collection of the over-payment (unless you were at fault in creating the overpayment).

How far back can SSI go for overpayment? ›

The Social Security Administration (SSA) recently removed a bar on recovery of old overpayments ten years or older.

Can SSI take my whole check for overpayment? ›

What Will Happen to My SSI If I Have an Overpayment? SSA will ask you to pay the full amount of the overpayment within 30 days. If you don't do this, and you are still eligible for SSI, then SSA will take the lesser of 10% of your total monthly countable income or your entire monthly income.

How long does it take Social Security to approve a Waiver? ›

Usually they decide within 30-60 days, but it might take longer. You will get a written letter mailed to you, granting or denying your request. What If SSA Denies My Waiver? You can file an appeal if you disagree with SSA's decision!

What happens if you have more than $2000 in the bank on SSI? ›

Current beneficiaries who exceed the limits are suspended and then terminated from program participation if their savings remain above the limits, and they must repay any benefits paid while they are over the limit. SSI beneficiaries are limited to only $2,000 in assets of any kind.

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