Social Security to Reinstate Overpayment Recovery Rate
Reading Time: 2 MinutesLast Updated: April 18, 2025
The Social Security Administration (SSA) announced it will increase the default overpayment withholding rate for Social Security beneficiaries to 100 percent of a person’s monthly benefit. The Office of the Chief Actuary estimates this change will result in an increase in overpayment recoveries (i.e., a program savings) of about $7 billion in the next decade.
“We have the significant responsibility to be good stewards of the trust funds for the American people,” said Lee Dudek, Acting Commissioner of Social Security. “It is our duty to revise the overpayment repayment policy back to full withholding, as it was during the Obama administration and first Trump administration, to properly safeguard taxpayer funds.”
The agency strives to pay the right person the right amount at the right time, and issues correct payments to most beneficiaries. When an overpayment does occur, the agency is required by law to seek repayment.
As of March 27, the agency will begin mailing notices about the new 100 percent withholding rate, rather than the recent adjustment of just 10 percent. The withholding rate change applies to new overpayments related to Social Security benefits. The withholding rate for current beneficiaries with an overpayment before March 27 will not change and no action is required. The withholding rate for Supplemental Security Income overpayments remains 10 percent.
People who are overpaid after March 27 will automatically be placed in full recovery at a rate of 100 percent of the Social Security payment. If someone cannot afford full recovery of their overpayment, they can contact Social Security at 1-800-772-1213 or their local office to request a lower rate of recovery.
Additionally, people have the right to appeal the overpayment decision or the amount. They can ask Social Security to waive collection of the overpayment, if they believe it was not their fault and can’t afford to pay it back. The agency does not pursue recoveries while an initial appeal or waiver is pending.
For more information about overpayments and appeal rights, visit www.ssa.gov.
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SSA wants you to make appointments, try to resolve issues online. Everything is online. BUT, for a list of “representatives” to help with an appeal? No, not online, you have to visit a ssa office!
Debra K.
Yeah, I think it’s BS too. Social Security thinks my Medicare set aside money as my money it’s not my money. It’s Medicare so now they said they overpaid me trying to get this straightened out has been a pain in the butt spent five months already and still have not heard anything yet they’re still taking money out of my
check. There should be a direct phone number to the appeals department and a letter sent to you after you filed an appeal that they even have it.
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Mole J.
I get that the SSA wants to recover funds, but jumping straight to 100% withholding is extreme. Many beneficiaries don’t even realize they were overpaid until it’s too late. At least keep the 10% rate so people aren’t left completely stranded.
Thanks
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Catherine L.
That is so true since my husband died it takes my whole check just for the bill no medicine less money to pay your dr co pay you good to have a loaf of bread and a pack of lunch meat
Pier A.
I have good work. I not be able to go to bed. She is not is able to go to bed.
Debra K.
Yeah, I think it’s BS too. Social Security thinks my Medicare set aside money as my money it’s not my money. It’s Medicare so now they said they overpaid me trying to get this straightened out has been a pain in the butt spent five months already and still have not heard anything yet they’re still taking money out of my check
Fran
They suddenly stopped our payments due to an overpayment that I’m disputing. Apparently they still recover 100% while dispute is ongoing. So unfair that suddenly we get nothing and terrifying
Jam O.
This is brutal for seniors and disabled folks who rely on Social Security to survive. Taking 100% of someone’s monthly benefit leaves them with nothing. How are people supposed to pay rent or buy groceries while fighting an overpayment? The SSA needs a better solution.
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Sounds like you may be a scammer!!
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