Errors in benefit calculations or income reporting can lead to overpayments, leaving seniors unexpectedly owing money to Social Security.
1. How Overpayments Happen
When the SSA tries to recover overpaid benefits, they may withhold 100% of monthly Social Security payments, leaving seniors with no income.
2. Full Withholding Explained
Losing an entire Social Security check can lead to missed rent, skipped medications, and financial hardship, especially for those with fixed incomes.
3. Impact on Seniors
Seniors can appeal overpayment claims or request a waiver if repaying the amount would cause severe financial distress.
4. Can You Appeal?
Instead of full withholding, seniors can negotiate a monthly repayment plan to pay back the debt in smaller, manageable amounts.
5. Payment Plans Are Available
Regularly checking your Social Security statements and reporting income changes can help prevent overpayments before they happen.
6. Protecting Your Benefits
This shift aims to protect users from identity theft and fraud. Online and in-person methods are considered safer than phone transactions.
7. Seeking Legal Help