Findings of fault must be made separately for each person who requests waiver. The
fault of one individual is independent of the fault of any other individuals also
liable for the overpayment.
When a deceased person's estate is seeking waiver, it is the fault of the deceased
that must be determined. When the estate has been closed and the distributee is seeking
waiver, fault of the distributee must be determined.
Even though the overpayment may have been caused by SSA's error, the individual may
still be at fault for the overpayment.