We have reviewed the overpayment determination and, based on the information now available,
            find that the overpayment determination was  (1)  . We have explained our reasons for this finding in the enclosed Form SSA-662.
         
          
         How To Pay Us Back 
         3106E
         3106A (Optional)
          
         If you believe that the reconsideration determination is not correct, you may request
            a hearing before an administrative law judge of the Office of Disability Adjudication
            and Review. If you want a hearing you must request it not later than 60 days from
            the date you receive this notice. You should make your request through any Social
            Security office.
         
         You also have the right to request a determination concerning the need to recover
            the overpayment. This is called waiver. You may request waiver anytime. A request
            for waiver will be approved if both of the following are true:
         
         
            - 
               
                  1. 
                  
                     The overpayment was not your fault in any way, and
                     
                   
                
             
            - 
               
                  2. 
                  
                     You could not meet your necessary living expenses if we recovered the overpayment,
                        or recovery would be unfair for some other reason.
                     
                     
                   
                
             
         
         If you request waiver, we may need a statement of your assets and monthly income and
            expenses.
         
         If you request waiver within 30 days, you will not have to refund the overpayment
            unless you are denied waiver after you have had an opportunity for a personal conference.
            If you request waiver and after reviewing your request we cannot approve it, we will
            notify you in writing of our reasons.1 A personal conference with a Social Security employee will then be scheduled for
            you so that you can explain why you do not believe your waiver request should be denied.
            More information about the personal conference is given in the notice if we cannot
            waive recovery of your overpayment.
         
         If You Want Help With Your Appeal
         REPC01, REP002
         3118A
         or
         3118B
          
         If You Have Any Questions 
         3901C
          
         Enclosures (3) 
         SSA Pub. No.-70-10281
         SSA-662
 Refund envelope
         
          
         1 If the person lives outside the U.S. or has an attorney, omit the next two sentences.
               
         2 If the person lives outside the U.S., or has an attorney, omit this paragraph.