Form SSA-632: Request for Waiver of Overpayment Recovery

What is Form SSA-632?

When Social Security says it paid you too much, Form SSA-632-BK is how you ask it to waive collection: the overpayment wasn't your fault and you can't afford to pay it back, or repaying would be unfair for some other reason. You can also use it just to ask for a lower monthly repayment than SSA asked for.

Section I asks how the overpayment happened and why you weren't at fault: whether you reported the change, when and to whom. Section II is a financial statement: money on hand, assets, vehicles and property, everyone's monthly income and the household's monthly expenses, so SSA can see what you can afford.

FileIt pre-fills the name from your vault, shows only the questions that apply (skipping 13 to 22 if you receive cash public assistance), adds up the asset, income and expense totals and the comparison in question 20, checks that each explanation fits its box, and prints it all on SSA's own PDF (01-2018 edition).

Who files it: The overpaid person, or a representative payee or someone repaying another person's overpayment.
Pages: 9: the request, Section I (3 to 7), Section II (8 to 22), remarks, signature and the Privacy Act notice.
Amounts: Whole dollars only, monthly: weekly pay × 4.33, every 2 weeks × 2.166, self-employed 1/12 of net earnings.
Signature: In ink (the signature line says so); two witnesses only if signed by mark (X).
Edition: Form SSA-632-BK (01-2018) UF, OMB No. 0960-0037

Who needs to fill out Form SSA-632?

People who got an overpayment notice from Social Security and believe it wasn't their fault.
Anyone who can't afford the monthly amount SSA is taking back to recover an overpayment.
Representative payees and family members asked to repay an overpayment paid to someone else.
SSI recipients asking to repay less than 10% of their total income each month.

When to use Form SSA-632

After you receive a notice that you were overpaid, to ask for a waiver (2A) and/or a lower repayment rate (2B, 2C or 2D).
If you think the overpayment amount itself is wrong, that's an appeal: Form SSA-561 asks for reconsideration.
If you receive cash public assistance such as SSI, answer through question 12 and sign; the form says to skip 13 to 22.

What you need before you start

The overpayment notice, the name and SSN on the record, and each overpaid person making the request.
Dates and details of when and how you reported the change that caused the overpayment.
Balances and monthly income of savings, checking, CDs, IRAs, funds, bonds and other assets; vehicles and property with their values and loans.
Monthly pay (gross and take-home), benefits and other income for you, your spouse and household members, and your monthly bills.

What’s on Form SSA-632

The 2018 edition has 9 pages. FileIt asks for it in 10 parts:

1–2. The overpayment and your requestOverpaid person
Section I: Information about receiving the overpayment (3–7)Overpaid person
Section II: Your financial statement (8–12)Overpaid person
13–15. Household members and assetsOverpaid person
16–18. Monthly household incomeOverpaid person
19. Monthly household expensesOverpaid person
20–22. Income and expenses, and what's aheadOverpaid person
RemarksOverpaid person
Signature of overpaid person or representative payeeOverpaid person
Witnesses (only if signed by mark)Overpaid person

How to fill out Form SSA-632, step by step

1 1–2. The request

Whose record, who is asking, and what you want: a waiver, a lower withholding amount, or a monthly repayment amount.

2 Section I (3–7)

For a waiver: representative payee use, someone else's overpayment, why you thought you were due the money, and what you told SSA.

3 Section II (8–15)

Overpaid money you still have or had, public assistance, household members, cash and assets, vehicles and property.

4 16–22 and signature

Monthly income and expenses (FileIt totals them), what may change in the next 6 months, then remarks, your contact details and an ink signature.

Common mistakes to avoid

Entering weekly or biweekly amounts instead of monthly ones.
Listing an expense that's withheld from income, such as medical insurance: the form says not to.
Asking for a waiver without explaining in Section I why the overpayment wasn't your fault.
Answering questions 13 to 22 when you said Yes to receiving cash public assistance in question 12.

After you fill it out

Print the form and sign it in ink.

Gather documents SSA may ask to see, such as rent or mortgage books, savings passbooks, pay stubs, your latest tax return, recent bills and canceled checks.

Give or send it to Social Security as your notice explains, and keep a copy. FileIt files the PDF in the person's vault folder.

Fill out Form SSA-632 online with FileIt

Pick the person. Choose someone from People and FileIt fills in their name, date of birth, address and other details it already knows.
Answer plain-language questions. One part of the form at a time, with the official help text beside each question — 246 fields in all. Your answers save as you go.
Check the live preview. Watch your answers land on the real Social Security Administration (SSA) form, and let FileIt do any worksheet arithmetic.
Generate the official PDF. FileIt prints your answers into the agency’s own PDF and files it in that person’s folder in your vault.

FileIt fills the form — it never files or submits anything for you. Deliver the finished form to whoever asked for it, the way the form’s instructions say.

Start Form SSA-632 now — it’s free

Form SSA-632: frequently asked questions

What is Form SSA-632 used for?

To ask Social Security to waive collection of an overpayment, or to change the rate at which you repay it.

Do I need to fill in the whole form?

The form says you need to complete Section II (the financial statement) whether you ask for a waiver or a change in repayment rate. Section I is about how the overpayment happened. If you receive cash public assistance, you stop after question 12.

What does CC mean in the expenses?

If an expense such as clothing is part of the credit card payments on line F, the form says to show CC as the amount instead of counting it twice.

Can I sign it electronically?

No. The signature line says to write in ink. If you sign by mark (X), two witnesses who know you sign and give their addresses.

What if I disagree that I was overpaid at all?

Then you can appeal the decision with Form SSA-561, Request for Reconsideration. Form SSA-632 is for asking SSA not to collect, or to collect less.

Official sources

Blank form (PDF), published by Social Security Administration (SSA): https://www.ssa.gov/forms/ssa-632.pdf
Official instructions and guidance: https://www.ssa.gov/forms/ssa-632.pdf
Edition shown on this page: Form SSA-632-BK (01-2018) UF (OMB No. 0960-0037); discontinue prior editions (checked 2026-10-25).

FileIt is not affiliated with or endorsed by Social Security Administration (SSA) or any government. This page explains the form in general terms and is not legal, tax or immigration advice. Always read the official instructions, and check that you are using the edition the recipient accepts. Page last reviewed 2026-10-25.