Can I request a lower overpayment amount?

Yes, you can request a lower monthly repayment if the standard amount causes financial hardship. Contact Social Security to negotiate a payment plan.

Can overpayments be waived?

You can request a waiver if the overpayment wasn't your fault and repayment would cause financial hardship or be unfair. File SSA-632 to request a waiver.

How does SSA collect overpayments?

SSA typically withholds up to 10% of your monthly benefit for SSI or the full benefit amount for SSDI until the overpayment is repaid.

Overpayment Repayment Calculator

Calculate how long it will take to repay an SSI or SSDI overpayment, or find a monthly payment that fits your budget.

Overpayment Amount ($)

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How much can you pay each month toward the overpayment?

Related Resources

Overpayments & Reporting Guide — Learn about waivers, appeals, and reporting requirements
SSI Benefit Estimator — Estimate your SSI payment after income deductions
SSDI Benefit Estimator — Estimate your monthly SSDI payment
SSI vs SSDI Guide — Understand how overpayments work in each program

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