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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%.
The change
For overpayment notices dated on or after April 25, 2025, Social Security's default withholding for retirement, disability and survivor benefits is 50% of the monthly payment. It was 10% before.
SSI
For SSI, the withholding stays at 10% of the monthly payment.
How to avoid it
Send a waiver or an appeal within 30 days of the notice, or ask for a lower rate with Form SSA-634.
Sources: Resolve an overpayment, SSA; NOSSCR. Read on November 3, 2026.