Beginning in late July 2025, the Social Security Administration will start withholding up to 50% of monthly Title II benefit payments from recipients notified of an overpayment (e.g., retirement, disability, survivors), a sharp increase from the previous 10% cap. The 50% rate applies to new overpayment notices issued on or after April 25, 2025, and recipients have a 90-day window to appeal, request a waiver, or negotiate a lower repayment rate. If no action is taken, the deductions will begin automatically until the overpaid amount is fully recovered . The policy update follows a brief period in which 100% withholding was briefly contemplated but scaled back amid advocacy concerns . While aimed at recouping the SSA’s $72 billion in improper payments, critics warn that the cuts could place significant hardship on vulnerable seniors and disabled beneficiaries