Social Security recipients: Why your payment might be cut in half

Social Security payments for July are being distributed arsenic scheduled, reaching implicit 71 cardinal Americans. But if you've been overpaid by the Social Security Administration (SSA) and haven’t started repaying, your monthly payment could beryllium noticeably smaller starting this month. The SSA is expected to statesman withholding 50% of monthly benefits from individuals with outstanding overpayments opening successful precocious July 2025. This marks a caller signifier successful the agency's effort to retrieve billions successful accidental overpayments.

While the SSA hasn’t publically confirmed however galore beneficiaries are affected, records obtained via a Freedom of Information Act petition amusement the bureau attempted to reclaim overpayments from astir 2 cardinal radical successful the fiscal twelvemonth ending September 2023, according to KFF and Cox Media Group.

Who is astatine hazard for withholding?

If you received much wealth than you were entitled to done Social Security oregon Supplemental Security Income (SSI) and haven’t arranged a repayment plan, your benefits could beryllium reduced by fractional starting this month. This applies adjacent if the overpayment wasn’t your fault.

If you were overpaid: What to know

Under its caller policies, the SSA said it would statesman issuing overpayment notices connected April 25, 2025 and would commencement withholding 50% of the recipient's benefits aft astir 90 days (or astir July 24, astatine earliest), until the overpayment is repaid.

• Withholding begins: Around July 24, 2025, depending connected erstwhile you received your overpayment notice.

• Waiver requests: You tin inquire the SSA to waive the repayment if:

  • The overpayment wasn’t your fault

  • You can’t spend to repay

  • Repayment would beryllium unfair

Waiver and repayment accusation is disposable connected the SSA website.

July 2025 Social Security outgo schedule

Most Social Security status benefits volition travel the regular July organisation calendar:

• Thursday, July 3: For those who began receiving benefits earlier May 1997

• Wednesday, July 9: Birthdates betwixt the 1st and 10th

• Wednesday, July 16: Birthdates betwixt the 11th and 20th

• Wednesday, July 23: Birthdates betwixt the 21st and 31st

July SSI payments

Supplemental Security Income (SSI) benefits for July were distributed connected Tuesday, July 1. SSI recipients see radical 65 oregon older oregon those with a qualifying disablement and constricted income oregon resources.

What to bash if your outgo is late

The SSA recommends allowing up to 3 further mailing days past your scheduled day earlier contacting them. About 99% of recipients present person payments electronically, which helps trim delays.

Questions astir your benefits?

If you judge your cheque is smaller owed to an overpayment oregon person questions astir your status, interaction the SSA straight by telephone astatine 1-800-772-1213 (TTY: 1-800-325-0778) oregon sojourn a section SSA office.

This nonfiction primitively appeared connected Rockland/Westchester Journal News: Social Security recipients: Why your outgo mightiness beryllium chopped successful half