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How-to · Benefits & money

Respond to a Social Security overpayment notice

An SSA overpayment notice explains the reason for the debt. Depending on your situation, you can appeal, request a waiver, or arrange repayment.

Steps

3 steps
  1. Read the noticeCheck the reason for the overpayment and the response instructions.
  2. Choose an appeal or waiverAppeal if you disagree with the overpayment. If you cannot afford repayment and believe the error was not your fault or is unfair, follow SSA’s waiver route.
  3. Submit the waiver form if appropriateComplete SSA-632-BK using the linked online route or fax or mail the completed form to your local Social Security office.
SSA says it will not collect while it decides a waiver or appeal requested within 30 days. Read the notice promptly.

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