Retirees who ignore SSA overpayment letters face automatic withholding of up to 50% of their monthly benefit under a rule reinstated in 2025. Filing Form SSA-561 within 60 days or Form SSA-632 (waiver ...
An $18,000 Social Security overpayment letter feels like a bill, but it comes with a timer and at least three legal moves that most retirees never consider before reaching for their savings.
Recipients of a Social Security overpayment notice have three options: appeal the debt (SSA-561), request a waiver (SSA-632), or negotiate a lower repayment rate (SSA-634). Filing an appeal or waiver ...