You received $*F1 more in *F2 benefits *F3 than *F4 due.
          
         *F5 (OPT188)
          
         You must repay the money overpaid to *F1 unless you spent the money for *F2 benefit
            and the overpayment was not your fault. (OPT189)
          
         How to Pay Us Back
          
         Please refund this overpayment within 30 days. Make your check or money order payable
            to the "Social Security Administration." Include the Social Security Claim Number
            on the check or money order, and send it to us in the enclosed envelope.
         
         
 *F1
         
         If we do not receive *F2 refund within 30 days, we will withhold 50 percent of *F3
            payments until we recover the overpayment. We will do this starting with the payment
            *F4 will normally receive about *F5. (3110A)
          
         Or
          
         To recover the overpayment, we will withhold 50 percent of the payment you will receive
            *F1 until we recover the overpayment. We will do this starting with the payment *F2
            will receive on or about *F3. (3104B)
          
         Or
          
         We plan to recover the overpayment from the payment *F1 about *F2. The reduced payment
            will be $*F3 and you will receive the regular monthly payment about *F4. (3110B)
          
         If You Think You Should Not Have To Pay Us Back 
         You may not have to pay us back. Sometimes we can waive the collection of an overpayment,
            which means you will not have to pay us back. For us to waive the collection of your
            overpayment, two things must be true.
         
         
            - 
               
                  • 
                     It was not your fault that you got too much Social Security money.
 
 AND
 
 
 
- 
               
                  • 
                     Paying us back would mean you cannot pay your bills for food, clothing, housing, medical
                        care, or other necessary expenses, or it would be unfair for some other reason.
                      
 
 
 
         You can ask for waiver at any time by filling out the waiver form. The form number
            is SSA-632-BK. We will not collect the overpayment while we decide if we can waive
            collection. If you ask for waiver in the next 30 days, we will not withhold benefits
            until we decide if we can waive collection.
         
         You may need to show us proof of your monthly income, expenses, and assets. Examples
            are pay stubs, pension records, rent receipts, utility bills and bank statements.
         
         If you have any questions, you may contact *F1. (3100C)
          
         If You Disagree With The Decision 
         If you disagree with the decision, you have the right to appeal. A person who did
            not make the first decision will decide your case. We will review your case again
            and consider any new facts you have.
         
          
         
            - 
               
                  • 
                     You have 60 days to ask for an appeal. If you ask in the next 30 days, you will not
                        have to pay us back until we decide your case.
                      
 
 
- 
               
                  • 
                     Both the 30- and 60-day periods start the day after you receive this letter. We assume
                        you got this letter 5 days after the date on it, unless you show us that you did not
                        get it within the 5-day period.
                      
 
 
- 
               
                  • 
                     You must have a good reason if you wait more than 60 days to 
 ask for an appeal.
 
 
 
- 
               
                  • 
                     You have to ask for an appeal in writing. We will ask you to sign a form called "Request
                        for Reconsideration." The form number is SSA-561-U2. To get this form, contact one
                        of our offices. We can help you fill out the form.
                      
 
 
 
         We are enclosing a pamphlet called "Important Information About Your Appeal and Waiver
            Rights." Please be sure to read it.
         
         Even if you do not want to request reconsideration or waiver, call us at 1-800-772-1213
            if you think you are not liable for repayment or if withholding of the monthly payment
            will cause hardship. Unless we hear from you within 30 days, we will withhold the
            benefit as shown above. (3108A
               Domestic)
          
         Or
          
         If You Disagree With The Decision 
         If you disagree with the decision, you have the right to appeal. A person who did
            not make the first decision will decide your case. We will review your case again
            and consider any new facts you have.
         
         
            - 
               
                  • 
                     You have 60 days to ask for an appeal. If you ask in the next 30 days, you will not
                        have to pay us back until we decide your case.
                      
 
 
- 
               
                  • 
                     Both the 30- and 60-day periods start the day after you receive this letter. 
 
 
- 
               
                  • 
                     You must have a good reason if you wait more than 60 days to ask for an appeal. 
 
 
- 
               
                  • 
                     Your request must be in writing. The fastest and easiest way to file an appeal is
                        to visit *F1 online.
                      
 
 
We are enclosing a pamphlet called “Important Information About Your Appeal and Waiver
            Rights.” Please be sure to read it.
         
         If withholding the monthly payment will cause hardship, please contact *F2.
         You can contact us even if you do not want to request a reconsideration or a waiver.
            Please take this letter with you if you do visit an office. Unless we hear from you
            within 30 days, we will withhold the benefit as shown above. (3100F Foreign)
          
         If You Want Help With Your
               Appeal1
               (REPC01) 
          
         You may choose to have a representative help you. We will work with this person just
            as we would work with you. If you decide to have a representative, you should find
            one quickly so that person can start preparing your case.
         
         Many representatives charge a fee only if you receive benefits. Others may represent
            you for free. Usually, your representative may not charge a fee unless we approve
            it. Your local Social Security office can give you a list of groups that can help
            you find a representative.
         
         If you get a representative, you or that person must notify us in writing. You may
            use our Form SSA-1696 "Appointment of Representative." Any local Social Security office
            can give you this form. (REP002)
          
         If You Have Any Questions (REFC01)
         Need more help?
         1. Visit www.ssa.gov for fast, simple, and secure online service.
         2. If you are in the United States, American Samoa, Guam, Northern Mariana Islands,
            Puerto Rico, or the U.S. Virgin Islands, call us at 1-800-772-1213. If you are deaf
            or hard of hearing, call TTY 1-800-325-0778.
         
         3. You may also call your local Social Security office.
         
            - 
               
                  • 
                     If you are in Canada, visit *F1 to find the office that services your area. 
 
 
- 
               
                  • 
                     Contact your nearest Federal Benefits Unit (FBU). Visit *F2 for a list of FBUs. 
 
 
- 
               
                  • 
                     Write to the Social Security Administration at: P.O. Box 17769 Baltimore, Maryland, 21235-7769 USA 
 
 
If you contact us, please refer to this letter. It will help us answer your questions.
         How are we doing? Go to www.ssa.gov/feedback to tell us. (REF197)
          
         Or
          
         Suspect Social Security Fraud? 
         Please visit http://oig.ssa.gov/r or call the Inspector General's Fraud Hotline at 1-800-269-0271 (TTY 1-866-501-2101).
         
          
         If You Have Any Questions
         We invite you to visit our website at www.socialsecurity.govv on the Internet to find general information about Social Security. If you have any
            specific questions, you may call us toll-free at 1-800-772-1213, or call your local
            Social Security office at 1-*F3- *F4- *F5. We can answer most questions over the phone.
            If you are deaf or hard of hearing, you may call our TTY number, 1-800-325-0778. You
            can also write or visit any Social Security office. The office that serves your area
            is located at:
         
         *F6 
 *F7 
 *F8 
 *F9 *F10- *F11
         
         If you do call or visit an office, please have this letter with you. It will help
            us answer your questions. Also, if you plan to visit an office, you may call ahead
            to make an appointment. This will help us serve you more quickly when you arrive at
            the office. (CTDO
               Domestic)
          
         Enclosures (2):
         Refund envelope
         SSA-3105
          
          
         1If the person lives outside the U.S. or has an attorney omit this paragraph.