Overpayments

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How do I appeal an overpayment or ask to pay a lower rate of recovery?

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You can still file an appeal by taking one of the following actions.

If you disagree with the overpayment

If you do not agree that you have been overpaid, or if you believe the amount is incorrect, you can appeal the overpayment online by requesting a Reconsideration for a Non-Medical Determination.

You can also download, complete, and print the form Request for Reconsideration (SSA-561-U2) and then mail the completed form to your local Social Security office. You can find the address for your local office in the letter we sent you or by going to the Social Security Office Locator page and entering your zip code.

If you need to change the rate of recovery

If you agree that you have been overpaid and are willing to pay it back but cannot afford to repay at the rate we tell you in the letter, please call us at 1-800-772-1213 or contact your local office. You can find the telephone number for your local office in the letter we sent you or by going to the Social Security Office Locator page and entering your zip code.

Can I request a waiver for an overpayment debt incurred during COVID-19?

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Yes. Please call your local Social Security office and one of our employees will assist you. Under our rules, if you believe an overpayment was not your fault and you should not have to pay us back, you need to request a waiver of the overpayment debt. Certain debts may qualify for a streamlined waiver decision if:

  • Your overpayment debt happened between March 1 and September 30, 2020 because Social Security did not process an action due to the COVID-19 pandemic; and
  • We identify the debt by December 31, 2020.

We developed instructions for our employees to process streamlined waiver requests. Although the instructions are marked sensitive, this version has been redacted under the Freedom of Information Act for public release.