Jazmine Main, a recipient of social security benefits, recently voiced concerns regarding the Social Security Administration’s (SSA) overpayment issue. Publicly sharing via a Facebook post, Main disclosed she owes the SSA $3,000, a debt she is nearing the completion of repayment.
The SSA has set up several options for beneficiaries who receive overpayment notices. These options include arranging for a settlement, filing an appeal, or requesting a waiver. Settlements can involve repayment of the overpayment in monthly installments or a single lump sum.
If a beneficiary disagrees with the overpayment notice, they are entitled to file an appeal, asking the SSA to reconsider the overpayment. SSA beneficiaries can request a waiver if they can effectively demonstrate that the overpayment was not their fault and that repaying it would lead to financial hardship.
The SSA also has provisions for beneficiaries who agree with the overpayment. They can deduct it from their monthly benefits or arrange a repayment plan. Payment can be made by check, money order, or online banking. Those no longer receiving benefits have the option to pay through Pay.gov.
The SSA further provides flexible payoff schemes.
Addressing SSA overpayment: beneficiaries’ options
Beneficiaries can dispute the overpayment and apply for a non-medical reconsideration once they submit a Request for Reconsideration form. In addition, beneficiaries can request a waiver indicating their inability to repay. SSA may waive or reduce the overpayment if the appeal succeeds.
If beneficiaries aren’t guilty of the overpayment, they can file for a waiver if repayments are too burdensome. Accurate calculation and presentation of a proposed repayment installment, which is more manageable, is crucial here. A waiver request must be accompanied by supporting documents such as proof of income, bank statements, or evidence of exceptional circumstances.
SSA encourages beneficiaries to promptly respond to overpayment notices to prevent benefits from being garnished. This requires understanding one’s rights and obligations as defined by SSA. Beneficiaries can use the SSA helpline for additional information. Waivers for overpayments of $1,000 or less can be processed over the phone.
