This bill would limit how much Social Security can take out of a person’s monthly check to pay back an overpayment. If the overpayment wasn’t caused by fraud or similar fault, Social Security could withhold no more than 10% of the monthly benefit—unless the person asks to pay back more each month.

It would take effect as soon as it becomes law and would apply to any overpayments that are still unpaid on or after that date.

• Who is affected: People receiving monthly Social Security benefits who owe money because of an overpayment, not due to fraud.
• What changes: Withholding to recover the debt would be capped at 10% of the monthly benefit, unless the person chooses a higher rate.
• When: Starts on the date it becomes law and covers existing and future overpayment balances from that date forward.