Step 1: Review the Notice Carefully

When you get an overpayment notice, read it thoroughly. It will explain:

• The amount the SSA says you were overpaid
• The reason for the overpayment
• Your options for repayment or appeal

Make sure all the information is accurate, including dates, amounts, and your personal details.

Step 2: Gather Supporting Evidence

To dispute the overpayment, you need to provide evidence that supports your case. This might include:

• Proof of income or work activity during the period
• Medical records or disability documentation
• Correspondence with SSA or other agencies

The more detailed your evidence, the stronger your dispute.

Step 3: Request a Reconsideration

You must formally request a reconsideration of the overpayment decision. This means the SSA will review your case again.

• Submit your request within 30 days of the notice date
• Include all supporting documents
• Explain why you believe the overpayment is wrong or unjust

Step 4: Consider Requesting a Waiver

If the overpayment is correct but you believe repayment would cause financial hardship or it was not your fault, you can request a waiver.

• Provide detailed financial information
• Explain circumstances that led to the overpayment
• Demonstrate how repayment would affect your ability to pay for basic needs

Step 5: Prepare for Further Appeals

If your reconsideration or waiver request is denied, you can appeal to:

• An Administrative Law Judge (ALJ)
• The Appeals Council
• Federal court (as a last step)

Be prepared to present your case clearly and with strong evidence.