Self-help document preparation, not legal advice. What this kit does and does not do
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Which request fits
The official forms are free from SSA. This kit is optional: it checks your answers and walks you through them.
Dates and withholding
Dates count from the date on your letter.
The full kit
- Form guides: what SSA-561, SSA-632-BK and SSA-634 ask you to show, section by section, with the SSA links
- Evidence checklist: the documents to attach for your route
- Income and expense worksheet: your monthly budget laid out for SSA-632-BK or SSA-634
- Cover letter: filled in with your letter date, amount and route, ready to sign
- Follow-up calendar: the dates that keep withholding off and close the appeal window
- If SSA says no: the personal conference, the hearing request and their deadlines
- After you send it: what to keep and what to check
The forms are free from SSA. This kit is optional.
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Three routes after an overpayment letter
An overpayment letter can be answered three ways: ask for reconsideration if you disagree with the overpayment or the amount, ask for a waiver if you were not at fault, or ask SSA to take back less each month. You can ask for reconsideration and a waiver together[cfr909][cfr506].
| Situation | Form | Key rule |
|---|---|---|
| The overpayment or the amount is wrong | SSA-561 | 60 days from receiving the notice, which counts as 5 days after its date |
| You were not at fault and repaying is a hardship or unfair | SSA-632-BK | No deadline; asked within 30 days, no withholding until SSA decides |
| You owe it but cannot live on what is left | SSA-634 | Default is 50% of the monthly benefit (SSI 10%); a lower rate can be agreed |
Withholding and deadlines
For Title II overpayment notices dated on or after April 25, 2025, SSA's default is to withhold 50% of the monthly benefit; for SSI it stays 10%[em25029]. A waiver requested within 30 days of the notice means SSA does not withhold until it decides; asked later, withholding already started is paused until the decision[cfr506]. Reconsideration must be asked within 60 days of receiving the notice, presumed 5 days after its date[cfr909][cfr901].
A waiver needs both: you were not at fault, and repaying would defeat the purpose of the program (you need the income for ordinary living expenses) or be against equity and good conscience[cfr507].
Worked examples
All three use a letter dated November 2, 2026 for $6,000.00, on a $1,800.00 monthly benefit.
| Case | Route | Key date | Monthly |
|---|---|---|---|
| Not at fault, cannot afford the withholding | SSA-632-BK + SSA-634 | Ask by Dec 2, 2026 to keep withholding from starting | Default $900.00 |
| Disagrees with the amount | SSA-561 | Reconsideration by Jan 6, 2027 | Default $900.00 |
| Agrees, may have been at fault, 50% is too much | SSA-634 | Send with the budget worksheet | Offer $150.00 (40 months) |
Only SSA decides.This kit does not contact SSA or act for you. The forms are free from SSA, and SSA answers questions free at 1-800-772-1213 (TTY 1-800-325-0778).
Frequently asked questions
Do I have to pay for these forms?
No. SSA-561, SSA-632-BK and SSA-634 are free from SSA, and SSA answers questions free at 1-800-772-1213. This kit is optional software that checks your answers and fills in a guide, worksheet and cover letter.
Can I ask for a waiver and reconsideration at the same time?
Yes. Reconsideration challenges the overpayment or the amount; a waiver asks SSA not to collect it because you were not at fault. A waiver has no deadline[cfr506].
How much will SSA withhold?
For Title II notices dated on or after April 25, 2025 the default is 50% of the monthly benefit; SSI is 10%[em25029]. You can ask for less on SSA-634.
Sources
- EM-25029 REV, Overpayment default withholding rate (50% for Title II notices dated on or after April 25, 2025; SSI 10%)
- 20 CFR § 404.506, When waiver may be applied and how to process the request
- 20 CFR §§ 404.507–404.509, Fault; defeat the purpose of Title II; against equity and good conscience
- 20 CFR § 404.901, Definitions (date you receive a notice: 5 days after the date on it)
- 20 CFR § 404.909, How to request reconsideration (60 days; extension for good cause)
- 20 CFR §§ 404.933 and 404.968, Requesting a hearing and Appeals Council review (60 days each)
- Form SSA-632-BK (06-2025), Request for Waiver of Overpayment Recovery (form page; OMB 0960-0037)
- Form SSA-634 (12-2023), Request for Change in Overpayment Recovery Rate