Social Security recipients: Why your payment might be cut in half
While the SSA hasn't publicly confirmed how many beneficiaries are affected, records obtained via a Freedom of Information Act request show the agency attempted to reclaim overpayments from about 2 million people in the fiscal year ending September 2023, according to KFF and Cox Media Group.
If you received more money than you were entitled to through Social Security or Supplemental Security Income (SSI) and haven't arranged a repayment plan, your benefits could be reduced by half starting this month. This applies even if the overpayment wasn't your fault.
Under its new policies, the SSA said it would begin issuing overpayment notices on April 25, 2025 and would start withholding 50% of the recipient's benefits after about 90 days (or approximately July 24, at earliest), until the overpayment is repaid.
Withholding begins: Around July 24, 2025, depending on when you received your overpayment notice.
Repayment options: Online bill pay, credit card, or check.
Waiver requests: You can ask the SSA to waive the repayment if:
The overpayment wasn't your fault
You can't afford to repay
Repayment would be unfair
Waiver and repayment information is available on the SSA website.
Most Social Security retirement benefits will follow the regular July distribution calendar:
Thursday, July 3: For those who began receiving benefits before May 1997
Wednesday, July 9: Birthdates between the 1st and 10th
Wednesday, July 16: Birthdates between the 11th and 20th
Wednesday, July 23: Birthdates between the 21st and 31st
Supplemental Security Income (SSI) benefits for July were distributed on Tuesday, July 1. SSI recipients include people 65 or older or those with a qualifying disability and limited income or resources.
The SSA recommends allowing up to three additional mailing days past your scheduled date before contacting them. About 99% of recipients now receive payments electronically, which helps reduce delays.
If you believe your check is smaller due to an overpayment or have questions about your status, contact the SSA directly by phone at 1-800-772-1213 (TTY: 1-800-325-0778) or visit a local SSA office.
For those looking to visit an SSA office, here are some locations in New York (excluding NYC and Long Island):
Westchester County: 1 Park Place, Peekskill; 297 Knollwood Road, White Plains; 20 S. Broadway, Suite 500, Yonkers
Albany County: 11 A Clinton Ave., Room 430, Federal Building
Broome County: 2 Court St., Suite 300, Binghamton
Erie County: 478 Main St., Suite 200, Buffalo; 1900 Ridge Road, Suite 120, West Seneca
Monroe County: 200 E. Main St. (second floor), Rochester; 4050 W. Ridge Road (second floor), Greece
Onondaga County: 100 S. Clinton St., Federal Building (fourth floor), Syracuse
Contributing: USA Today Network
This article originally appeared on Rockland/Westchester Journal News: Social Security recipients: Why your payment might be cut in half
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