Starting March 27, 2025, the Social Security Administration (SSA) made a change to their policies when it comes to being overpaid. Sometimes, the SSA accidentally pays too much in benefits.

It happens pretty frequently, and it’s not always the fault of the beneficiary. Has this ever happened to you? If so, it might come as a shock if it happens again. The new rule change could mean taking 100% of your next benefit check – even if you still meet the qualifications.

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Social Security Check Didn't Come? This New Rule Could Be the Reason
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Before this March change took effect, the SSA would only take 10% of your monthly benefits to recover the overpayment. Under the new policy, the SSA can now take 100% of your monthly Social Security check until the overpaid amount is fully recovered. ​

What is an Overpayment?

An overpayment occurs when the SSA pays you more benefits than you are entitled to receive. This can happen due to various reasons, such as changes in your income, marital status, or living situation that were not promptly reported or processed. ​

Impact of the New Policy

For overpayments that happen on or after March 27, 2025, the SSA has the authority to withhold your entire monthly benefit until the overpaid amount is fully repaid. This means you could temporarily receive no Social Security income during the recovery period. ​

Exceptions to The Rule

If your overpayment was identified before March 27, 2025, the previous withholding rate of 10% will continue to apply.​ Also, Supplemental Security Income (SSI) recipients are not affected by this change; their withholding rate remains at 10%. ​

If you receive a notice from the SSA about an overpayment, here are some things you can do:

  1. Appeal the Decision: If you believe the overpayment notice is incorrect, you have the right to appeal. This involves requesting a reconsideration of the decision.
  2. Request a Waiver: If the overpayment was not your fault and repaying it would cause financial hardship, you can request a waiver. If approved, you may not have to repay the overpaid amount. ​
  3. Negotiate a Lower Withholding Rate: If withholding 100% of your benefits causes financial difficulty, you can contact the SSA to request a lower withholding rate. This can help ensure you still receive a portion of your benefits while repaying the overpayment.

Important Considerations:

  • Timeliness: Act promptly upon receiving an overpayment notice. There are specific timeframes within which you must appeal or request a waiver.​
  • Documentation: Keep detailed records of all communications with the SSA, including dates, representatives’ names, and the content of discussions.​
  • Seek Assistance: If you’re unsure about the process or need help, consider reaching out to a legal aid organization or a representative experienced in Social Security matters.​

Understanding these changes is crucial to managing your Social Security benefits effectively. If you have questions or need further information, contact your local SSA office or visit the official SSA website.

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By Admin –