Overpayments
What If I Cannot Afford to Repay an Overpayment?
By Ronnie Shaw, Social Security Disability Advocate · September 23, 2026
If you cannot afford to repay an overpayment, say so clearly and promptly. Depending on your notice and program, options may include a waiver request, a different withholding rate, or another repayment discussion. Financial details usually matter, so gather income and necessary expense information.
What this usually means
- Hardship and “without fault” issues can be relevant in some waiver requests
- Benefit withholding can create budget stress quickly
- Waiting often narrows practical choices
What to do next
- List monthly income and essential bills
- Keep the overpayment notice and any collection letters
- Ask about waiver, reconsideration, and repayment options that apply to your letter
- Do not ignore follow-up Social Security mail
How advocacy can help
Ronnie can help you sort the notice language and organize financial facts. Visit overpayments.
Related reading
- How Do I Request an SSI Overpayment Waiver?
- Will Social Security Garnish Benefits for an Overpayment?
Every Social Security matter depends on the notices, deadlines, and facts in your case. Call Ronnie Shaw at 727-238-5117 so he can review your situation and explain what may apply to you.
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