Learn what to do if Social Security sends you a letter that says you were overpaid and your check gets withheld. Discover how to protect your benefits, respond to the letter, and avoid future overpayment risks in 2025.
🆓Help finding a Medicare plan is ALWAYS FREE! Call 615-639-1937 for our Medicare partner, Chapter Medicare. Or, visit http://askchapter.org/money
In today’s update, millions of Americans are receiving Social Security overpayment letters and facing 100% benefit withholding in 2025. This guide explains why these letters are being sent, how income or reporting errors can lead to overpayment, and what the new SSA rules mean for retirees. Learn what to do if your check is withheld, how to file an appeal, request a waiver, or apply for an emergency payment. Understand who is still protected, how to track your benefits using your My Social Security account, and how to avoid future repayment issues. This impacts retirees including SSI (Supplemental Security Income), SSDI (Social Security Disability Insurance), survivors, VA, and spousal benefits. Stay informed about this important Social Security update that’s impacting seniors, retirees, and anyone depending on benefits.
Social Security Letter Explained – How to Respond and Avoid Losing Benefits
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If you need help with Medicare, please contact Medicare, your local State Health Insurance Program (SHIP), your current Medicare insurance agent/broker/plan, or feel free to contact my Medicare partner, Chapter, at 615-639-1937. Chapter: Memoir, Inc. d/b/a Chapter is a privately-owned, data and technology-enabled advisory that helps older Americans navigate retirement. Insurance agency services are provided by Chapter Advisory, LLC, a licensed health insurance agency and wholly owned subsidiary of Memoir, Inc. In California, Chapter Advisory, LLC does business as Chapter Insurance Services (Lic. No. 6003691). The information on this site has been developed for general informational and educational purposes.
Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.
