Social Security Overpayment Risks - Social Security recipients may face unexpected bills due to agency errors, potentially owing thousands or tens of thousands of dollars [1] - Even when overpayments are Social Security's mistake, recipients are responsible for repayment [1] - Recipients should verify their earnings history with the Social Security Administration (SSA) to avoid future problems [1] - Maintaining detailed records of all communications with the SSA is crucial [1] Strategies for Avoiding Overpayments - Use online tools like Maximize My Social Security and the AP's basic social security tool to estimate benefits and identify potential errors [1] - If returning to work while receiving Social Security disability benefits, carefully monitor income to stay below the Substantial Gainful Activity (SGA) limit, currently $1,470 per month [1] - Report worker's compensation benefits to Social Security to avoid overpayment issues [2] - Individuals with low incomes who are elderly or disabled receiving Supplemental Security Income (SSI) must adhere to complex rules, including declaring the value of resources like shelter [3] Recourse and Assistance - Individuals with low incomes who qualify for a full subsidy of Medicare Part D premiums are eligible for a $10 per month overpayment repayment program [4] - Legal aid lawyers and federally financed protection and advocacy programs may offer free legal help to those on SSI or who are disabled facing overpayment issues [5] - The National Organization of Social Security Claimment Representatives provides resources and support [7]