Social Security says you were overpaid? See how to stop the withholding, and by when.
Answer 7 questions about your notice. See your deadlines, whether to appeal, ask for a waiver or pay less each month, and get your letter ready.
- Your answers stay on your phone
- Rules from the official ssa.gov pages
- Free check. $29 letter, refunded within 30 days if it doesn't help
- Overpayment amount$8,400Do you agree with this amount?
- Reason: work income not reportedYou reported it on time? Then appeal
- Withholding from your payment50%Not while a request sent within 30 days is decided
How it works
Answer 7 questions
The date and amount on your notice, and your situation.
See what to do
Your two deadlines, and the right request: appeal, waiver or a lower monthly rate.
Send your letter
A ready letter, the form to use, and how to send it.
Why you can trust it
It stays on your phone
Your answers are processed in your browser. Nothing is uploaded or stored.
Official rules
Deadlines and forms come from the ssa.gov pages, read in November 2026.
A registered US company
OverpayCheck is run by LIFEWORKS GROUP LLC, New Mexico Business ID 7715331.
Pay only if it helps
The check is free. A letter costs $29, with a full refund within 30 days.
Questions
Is the check really free?
Yes. You see your deadlines and options for free. You only pay $29 for a ready-to-send letter ($19 for a lower monthly rate).
Do you need my Social Security number?
No. The check never asks for it. The letter shows only the last 4 digits; you write the full number on the official form yourself.
How long do I have?
Social Security waits at least 30 days after the notice before collecting. A waiver or appeal sent within 30 days stops collection until it decides. You have 60 days to ask for reconsideration.
How much can they withhold?
If you do nothing, 50% of your monthly retirement, disability or survivor benefit, or 10% of your SSI payment.
Is this legal advice?
No. OverpayCheck is information from the official rules to help you send the right request.
Your notice, checked in two minutes
Free, private, and on your phone. You decide what to send.