Avoiding Benefit Overpayments & How to Report Changes

If you receive SSI or SSDI, keeping your information up to date helps prevent overpayments—when Social Security sends more money than you were eligible for. This guide explains what causes overpayments, how to avoid them, and what to do if you get a notice.

Key Points

Overpayments often result from unreported income, living arrangement changes, or work activity.
You must report changes within 10 days after the end of the month when they occur.
You can appeal or request a waiver if you disagree with an overpayment decision.
Always keep copies of pay stubs, letters, and communication with SSA.

What Causes Overpayments

Starting or stopping work without promptly reporting.
Changes in living situation, marriage, or household income.
Receiving other benefits that affect eligibility (like workers’ comp or pensions).
Bank account balance or resources going over SSI limits.

How to Report Changes

Call or visit your local Social Security office.
Use the “my Social Security” online portal for certain updates.
Submit proof (pay stubs, letters, lease info, etc.).
Ask for a receipt of report—keep it for your records.

If You Receive an Overpayment Notice

Read the notice carefully. It explains the reason and the amount.
You can appeal within 60 days if you disagree with the cause or calculation.
If correct but repayment is a hardship, request a waiver (Form SSA-632).
SSA can adjust future benefits or set up a repayment plan.

Tips to Stay on Track

Mark a monthly reminder to review income and resource limits.
Keep a folder for all SSA correspondence.
Use direct deposit to reduce check delays or misapplied payments.

FAQs

How fast should I report changes?

Within 10 days after the month the change occurs.

What happens if I don’t report?

You may owe the excess back and risk suspension.

Can SSA forgive an overpayment?

Yes—if you weren’t at fault and repayment would cause hardship.

Do overpayments affect future benefits?

They can, until repaid or waived.