What Is a Disability Overpayment Waiver?

A waiver is an official request asking the SSA to forgive an overpayment. If approved, you won’t be required to repay the extra benefits, either partially or in full.

Who Qualifies for a Waiver?

To qualify for a waiver, you must meet both of these conditions:

• The overpayment was not your fault
  You didn’t do anything dishonest or knowingly provide false information that led to the overpayment.
• Paying it back would cause financial hardship
  Repayment would interfere with your ability to meet necessary living expenses such as food, housing, or medical care.

How to Request a Waiver

If you think you qualify, here are the steps:

File Form SSA-632-BK

This is the “Request for Waiver of Overpayment Recovery” form. You can get it:

• Online at SSA.gov
• By calling the SSA at 1-800-772-1213
• At your local SSA office

Provide Financial Documentation

You’ll need to show proof of income, expenses, assets, and debts to demonstrate financial hardship.

Include a Detailed Explanation

Explain why the overpayment wasn’t your fault and how repayment would impact your life. Be clear, honest, and specific.

What Happens Next?

• The SSA will review your waiver request and may schedule an interview.
• If your waiver is approved, you won’t have to repay the overpaid amount.
• If it’s denied, you can either appeal the decision or negotiate a repayment plan.