Social Security SSDI account on hold after reporting $900 overpayment - Can I get 10% monthly repayment plan?

They won't take your entire check. When I had a $1,200 overpayment in 2024, they let me do a payment plan where they only took about 10% of each monthly check until it was paid off. You need to submit form SSA-632 (Request for Waiver of Overpayment Recovery). Even if they don't waive it completely, this form lets you request the 10% repayment plan. The "on hold" status usually just means they're processing the adjustment.

dont panick ive been on SSDI for 8 yrs and this happens alot. they usually take like 10% each month untill its paid back. my account said on hold once but my payment still came through just a little less. they wont take your whole check they know u need to live!!!

I HAD THE EXACT SAME THING!! My SSDI got put on hold back in February after I reported extra income. The SSA is AWFUL about explaining what's happening! They took $120 from my check for 5 months (without even ASKING ME first!!) and it's finally done now. You need to keep calling them though because sometimes they mess up and take way more than they should!!

Since you've already reported the overpayment, that's a good first step. The standard recovery rate is indeed 10% of your monthly benefit for SSDI overpayments under $1,000. The "on hold" status is typically temporary while they process the adjustment to your future payments. You have three options: 1. Accept the standard 10% withholding 2. Request a lower withholding rate by proving financial hardship (use form SSA-634) 3. Request a complete waiver (use form SSA-632) if you believe the overpayment wasn't your fault and repayment would cause hardship Importantly, even with your account showing "on hold," you should still receive your next payment, though it may be reduced by the withholding amount. If you need to speak with someone at SSA urgently about this, I recommend trying early morning calls (right when they open) or using Claimyr (claimyr.com) - they can help you get through to an agent without the endless wait times. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU

i used claimyr last month when i had a similar issue with my wifes ssi being on hold. got through to ssa in like 15 minutes when i had been trying for days. they confirmed they were only going to take 10% each month for our overpayment. totally worth it cause we were so stressed out.

There's some confusion in this thread about SSI vs. SSDI overpayments. For SSDI (which appears to be what you have), the standard recovery rate is 10% of your monthly benefit. For SSI, they can withhold up to 100% of the payment. Since your overpayment is related to work activity, you should also ask about an adjustment using the "work incentive" provisions. If your work attempt was unsuccessful or part of a trial work period, you might qualify for different treatment of that income. The hold status typically means they're processing the adjustment but doesn't necessarily mean your payment will be withheld entirely. Contact them ASAP to set up the payment plan officially.

Anyone else notice how IMPOSSIBLE it is to get accurate info from SSA??? Every time I call I get different answers! One person says they'll take 10%, another says they'll take it all at once, another says I need to fill out forms... it's exhausting! I've had my SSDI on hold twice and both times it caused me so much stress I ended up in the ER!

To follow up on what others have said, you should submit Form SSA-634 (Request for Change in Overpayment Recovery Rate) if the standard 10% would cause you financial hardship. You'll need to provide your monthly income and expenses to justify a lower rate. When you talk to SSA, be sure to ask them to explain why your account shows "on hold" - sometimes this is just an automated status during processing, but other times it could indicate they need additional information from you before releasing your payment. Also, since your overpayment was from work income, ask if you qualify for an "unsuccessful work attempt" provision, which might actually reduce or eliminate the overpayment amount entirely if your work lasted less than 6 months and ended due to your disability.