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Guides for a Social Security overpayment

What to do after an overpayment notice, from the official ssa.gov pages.

• Got a Social Security overpayment letter? What to do, and by when
  Social Security says you were overpaid: the 30 day and 60 day deadlines, the 50% withholding, and the three requests you can send.
• Form SSA-632: how to ask Social Security to waive an overpayment
  The waiver request for a Social Security overpayment: who it is for, how to send Form SSA-632-BK, and why to send it within 30 days.
• Form SSA-561: appeal a Social Security overpayment within 60 days
  Disagree with the overpayment amount? Ask for reconsideration with Form SSA-561 within 60 days of the notice.
• Form SSA-634: pay back a Social Security overpayment in smaller amounts
  If you agree you were overpaid but cannot pay the proposed amount, ask for a lower monthly recovery rate with Form SSA-634.
• Social Security 50% overpayment withholding: what changed in 2025
  Since April 25, 2025, the default withholding for retirement, disability and survivor overpayments is 50%. SSI stays at 10%.
• How to repay a Social Security overpayment
  Pay.gov with your Remittance ID, your bank's bill pay, or a payment plan by phone: the ways to repay a Social Security overpayment.

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