If I was underpaid, how do I recover it from the SSA? If I overpaid, am I really responsible to pay it back?

Published: March 5, 2024

Full question: In July of 2002, I was awarded Social Security Disability when I was 55. I turned 56 in November, 2002. I received Disability benefits in full through 2008. In 2009 when I was 62, the SSA started taking Medicare premiums from my checks. I assume that at that time they switched me to Social Security from Disability. In 2013, when I was 65, my husband retired at FRA. At that time, I started receiving additional checks from SSA. Small checks less than $100 and I received them on the 2nd Wednesday of the month. The same day as my husband received his benefit. I still received a benefit check on the 4th Wednesday in a more normal, larger amount. In July, I received a notice from SSA stating that I was not entitled to the second check and that it would be stopped. I called the SSA and was told that I could not receive benefits on two accounts and that was why it was being discontinued. I got no explanation for why it was started in the first place. Then in August, I got another notice saying that I owed the SSA $8,481 in overpayments. As a result, I did some research and determined that I was entitled to receive a benefit equal to 50% of my spouse’s benefit since mine was less than that. Then I looked at the benefits I received (both the large and small checks added together) and it seems as though I did not receive the full benefit I was entitled to. I have the following questions: How can I determine what my spousal benefit should be? If I was underpaid, how do I recover it from the SSA? If not, am I really responsible for this overpayment? My husband used ANYPIA and came up with a PIA for me of 936.60 and a benefit after rounding of 811.00. His PIA came out to 2,181.70 and his benefit after rounding to 2,181. The family member benefit under my husband came to 1,090 with 36 months reduction to 818.00. We are having trouble reconciling these numbers to the actual benefits we received. I received 1,018 per month in 2009,2010 and 2011; 1054 in 2012 and 1089 in 2013 along with a second check of 62.00. My husband’s first check in 2013 was for 2,309. These numbers do not appear to jive with our benefit stated in ANYPIA. Can you shed any light on this?

Hi there,

Your case is complicated and with it being about payments over 10 years, difficult to determine without a software analysis to verify.

We would need to review your and your husband’s past payment amounts and correspondence from the SSA.

If you would like more information on this, please contact us at help@rssa.com.

My team looks forward to hearing from you.

Take care,

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