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Form SSA-632: Request for Waiver of Overpayment Recovery - Page 1
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Form SSA-632: Request for Waiver of Overpayment Recovery

Asks Social Security not to collect an overpayment because it wasn't your fault and repayment would cause hardship or be unfair.

Rev. 06-2025
Source: Social Security Administration (SSA)

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Instructions for filling out Form SSA-632: Request for Waiver of Overpayment Recovery

This template is used for official filing and documentation. Below are detailed instructions for completing, requirement details, and submission rules.

Who needs to fill out this document?

This form is designed for use by legal entities, individuals, or authorized representatives in the following cases:

  • Beneficiaries who received an overpayment notice.
  • SSI and Social Security recipients.
  • Representative payees for beneficiaries.

What you will need before starting

Before filling out the interactive form, prepare the following details and documents:

1. Overpayment noticeAmount and date of the notice.
2. Explanation of faultWhy you believe the overpayment wasn't your fault.
3. Financial informationIncome, assets and monthly expenses.
4. Supporting documentsBank statements, bills and receipts.

Step-by-step filling process

  1. Section I: Fault: Explain how the overpayment happened and why it wasn't your fault.
  2. Section II-IV: Finances: Report income, assets and expenses.
  3. Section V: Fairness: Explain if repayment would be unfair.
  4. Sign and submit: Submit to a Social Security office.

Frequently Asked Questions (FAQ)

Does filing stop collection?

If filed within 30 days of the notice, recovery is generally paused until a decision.

Is a waiver the same as an appeal?

No. An appeal (SSA-561) disputes the overpayment; a waiver asks not to repay it.

What if the waiver is denied?

You can request reconsideration or set up a repayment plan.

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