Findings of fault must be made separately for each individual who requests a waiver.
The fault of one individual is independent of the fault of any other individuals also
liable for the overpayment.
When a deceased individual's estate is seeking a waiver, it is the fault of the deceased
that must be determined. When the estate has been closed and the distributee is seeking
a 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.