Core Viewpoint - SSI payments are protected from garnishment, unlike other Social Security benefits which can be garnished for legal obligations such as child support and federal debts [2][3][5]. Group 1: SSI Payments - SSI payments cannot be garnished for any debts, including federal income taxes [2][3]. - The SSI program provides monthly benefits to individuals with disabilities, blindness, or seniors aged 65 and older who meet financial qualifications [4]. Group 2: Other Social Security Benefits - Other types of Social Security payments can be garnished to enforce legal obligations, including child support, alimony, and federal tax debts [5][6]. - The U.S. Department of the Treasury can withhold up to 15% of monthly Social Security benefits to collect overdue federal tax debts [6]. Group 3: Resolution for Garnishment - Individuals facing garnishment due to unpaid federal taxes are advised to resolve the issue with the IRS, potentially with the help of tax debt resolution experts [7].

Core Insights - The article discusses the financial challenges faced by retirees, particularly in light of unexpected health issues, using the example of a couple, Dave and Susan, who planned for retirement but are now facing increased costs due to Susan's MS diagnosis [1][2][3]. Financial Planning and Challenges - Many retirees are living longer, with some expecting to live to 85 or beyond, but not all will maintain good health during their later years [1]. - The couple has a significant retirement savings of $2 million in 401(k)s, aiming to withdraw $6,700 monthly at a 4% rate, but unforeseen medical expenses threaten their financial stability [1][3]. - The average cost of long-term care is $9,277 per month, which could deplete their savings in 18 years, highlighting the financial strain of caregiving [3]. Options for Financial Support - The couple can explore long-term disability (LTD) and life insurance benefits through Susan's employer, which could provide immediate financial relief [5]. - Susan may qualify for Social Security Disability Insurance (SSDI) due to her inability to work, which could improve their financial situation despite potential reductions in LTD coverage [6]. - Dave, as the primary caregiver, may also be eligible for Social Security Family benefits, providing additional financial support [6].