Requesting an SSI Overpayment Waiver

You can ask the Social Security Administration (SSA) to waive (forgive) an SSI overpayment so you do not have to repay all or part of it.

When You Can Request a Waiver

SSA may grant a waiver if both of the following are true:

  1. You were not at fault in causing the overpayment, and

  2. Paying it back would cause financial hardship (you cannot afford basic living expenses such as housing, food, clothing, or medical care) or it would be unfair for some other reason.

There is no time limit to request a waiver — you can ask at any time, even after recovery has started.

How to Request the Waiver

Option 1: Online (recommended)

  1. Sign in to your my Social Security account at ssa.gov.

  2. Follow the prompts to complete and upload Form SSA-632-BK (Request for Waiver of Overpayment Recovery).

Option 2: By phone (for smaller overpayments)


If your overpayment is $2,000 or less and you believe you were not at fault, call SSA. They may be able to process the waiver request over the phone without the full form.

Option 3: Paper form

  1. Download Form SSA-632-BK from the SSA website.

  2. Complete it carefully (include details about your income, expenses, resources, and why you were not at fault).

  3. Mail or fax it to your local Social Security office.

  4. Keep a copy for your records.

Option 4: In person


Schedule an appointment at your local Social Security office for help completing the form.

What Happens After You Request a Waiver

  • SSA will temporarily stop collecting the overpayment while they review your request.

  • You may need to provide proof of income, bills, bank statements, or other financial documents.

  • SSA will send a written decision.

  • If the waiver is denied, you can appeal or request a lower repayment rate.

Helpful Tips

  • Be detailed and honest when explaining why you were not at fault and why repayment would be a hardship.

  • You can request both a reconsideration (if you disagree that an overpayment exists) and a waiver at the same time.

  • If the waiver is not approved, you can still ask for a reduced monthly recovery rate using Form SSA-634.

For the most accurate help with your specific case, use your my Social Security account or contact SSA directly. Official forms and instructions are available at ssa.gov.

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