Please enjoy today’s video. I hope it helps.

1. What kind of legal action can i use to protect my financial income from being garnished by the SSA because they claim they made some overpayments after my disability benefits had already ended?

2. What kind of legal action can i take to make an investigation into the SSA for running some kind of money scam?

3. If a person has a hearing, does the length of time it takes to make a decision mean anything regarding a favorable or unfavorable decision?

4. i am a 31 year old young lady with relapsing remitting multiple sclerosis for 6 years. my condition is currently progressing and i am faced with the possibility of having to try and go for social security/disability. my question is are they one thing or seperate and am i too young to be considered?

1)      How did this happen?

2)      Why didn’t someone tell me?

3)      What did I do wrong?

4)      How am I going to pay this money back?

All of these questions are legitimate questions and most people freak out because they don’t know the answer.   Now, I know some of you are thinking, “I can go and get an attorney or non-attorney representative.”    Good luck with that!   If you find yourself frustrated that you can’t find someone to take your case, let me give you some possible reasons.   First, overpayment cases are typically tough to win because you must demonstrate that you were not at fault for the overpayment.   Second, overpayment cases tend to take a while to resolve.  Finally, it’s hard for representatives to get paid in these cases.   Usually, the representative may require a retainer or a monthly payment which most people don’t have.

If you’re able to find someone to represent you, they are probably going to want to know how you managed to get into this situation.   I’m sure you’re probably asking this question yourself.    Here are a few answers to the questions I presented:

1)      How did this happen?

An overpayment occurs because the Social Security Administration determined that money was paid to you during a time when you should not have received it.   It may be for a variety of reasons but whatever those reasons are, the SSA calculated what they paid you and determined a dollar amount based on this calculation.

2)      Why didn’t someone tell me?

This part of the process really frustrates people.   Usually, when people receive an overpayment notice, they don’t have any idea WHY no one said anything sooner.   What usually happens is the Social Security Administration usually doesn’t realize the overpayment until late.  Unfortunately, this late determination is to your detriment.

3)      What did I do wrong?

Here’s the part that is really tough.   Sometimes, it may be your fault and sometimes it may not be your fault.   However, you have to be smart.   If you know you’re getting money from SSA and you know you’re not supposed to, notify the SSA and put the money you are receiving in a separate bank account so you can give it back to the Administriation.   The best part is that you can ask the SSA to tell you why you are being charged with an overpayment.

4)      How am I going to pay this money back?

This part of the process also is very tough.  The SSA gives you the ability to contest the overpayment  by submitting an appeal or a waiver.  Remember, the responsibility is on you to demonstrate that you should not have to reimburse the SSA for the money.

If you find yourself in a position of having to refund money to the SSA, be prepared to fight it if you know you did nothing wrong.   If you informed SSA about the money, make sure you document who you spoke to and what you told them.  Also, be prepared to provide documentation to demonstrate the overpayment is in error.

I just got one word for that:  DAMN!!!

Wait a minute! Let me get back to being professional for a minute.  The simple fact is that in some situations, you might get HIT with what is known in the Social Security arena as an OVER PAYMENT!  What it means is that SOMETHING has happened that has resulted in the Social Security paying you more than what you were supposed to receive.

Now, I’m gonna hit you with a few Questions and Answers and hopefully it will help you out:

1) Why did it take SSA so long to realize that they were paying me too much?
Let’s be real.  SSA handles millions of claimant’s money on a daily basis.   I know this sounds silly but it is very possible for them to miss someone who has slipped through the cracks.  OR, they may have only been alerted to the problem recently.   I know that it stinks to say that “IT HAPPENS”, but it does.

2) What kind of situations could have caused this to happen?
Now, I could write a BOOK just on the number of situations that this occurs.  However, let me give you a few common ones that tend to come up:
a.  You get a cash settlement
b.  You go back to work.
c.   You are put in jail.
d.   You win the lottery
e.   You keep checks for someone who has passed away.

These are just a few but so many times, people THINK that the government should know about these things ANYWAY so they don’t bother to let them know.  I tell people all the time that you can’t think like that when you are dealing with the federal government.  You gotta keep them in the loop and NOT just think that “The government should know”.

3) Why am I having a hard time finding an attorney to take this case to help me?
I hate to tell people all the time that attorney’s typically work on contingency fee basis so they may not take this case because they can’t make any MONEY on these cases.  Some attorneys handle these case but they probably require money up front.

4) I legitimately DID NOT KNOW.  What do I do? I can’t live without my check.  What do I do?
In the instance that you legitimately DID NOT KNOW or if you would experience a significant financial hardship if they took the money, you can apply for a waiver.  You better make sure you bring plenty of documentation to demonstrate your financial stress.

5) Will they take ALL money every month?
This part is where it gets tricky.  In most instances, they should only take a portion of your money.  However, depending on the circumstances, they may suspend payment of your monthly check until they garnish all of your money.  Every program is a little different and it depends on the circumstances.

6) What should I do when I have paid them back?
Track your money.  It is important to make sure that you get something in writing that states that your benefits will be reinstated once they have recouped the money or you may be looking at having your benefits terminated.

7) What can I do to make sure this doesn’t happen again?
Notify! NOTIFY! DOCUMENT! NOTIFY!  If you come into some money, if you work, if you go to jail or ANYTHING that will have an impact on your financial situation, OPEN YOUR MOUTH and let SSA KNOW!

There is absolutely NOTHING sexy about an overpayment case.   However, it’s important that you take aggressive steps to monitor your money and to let them know when situations have changed in your life that may affect your benefits.

However, you got a little problem.  You don’t know if you should tell Social Security Administration or not.  So what do you do?  You wonder if there is a way that you can keep the money in a way so the Social Security Administration won’t find out.

The moment you start looking for ways to be slick and keep the fact that you got money from Social Security, you run into a few things that you should know:

1) This ain’t your homeboy or homegirl off the block.  This is the federal government and they don’t PLAY!
I can’t tell you how many times I tell my clients that it is almost impossible to hide things from the Social Security Administration.  So many things are tide to your Social Security number that it is virtually impossible to keep things secret, especially money.

2) There is no loophole!
When it comes to money and your Social Security benefits, the law is black or white depending on what type of money you are getting from Social Security and what type of money you are getting from another source.   This is why it is important to understand the type of benefits you are receiving and how getting a windfall may apply.

3) The Social Security Administration will GET their money!
If you get money and it impacts Social Security and they don’t find out until later, you will FEEL IT!  They will either reduce your benefits or possibly cut them off in order to get the money back that they shouldn’t have paid you because you got a lump sum of money and don’t tell them.

4) They will keep an eye on YOU in the future!
I had a client a few years ago who had a child with SSI.  When her child got benefits, Social Security required the mother to set up a dedicated account.  For those of you who don’t know what a dedicated account is, it’s an account that can only be used for certain things and every dollar spent must be documented.  If you don’t, you may risk losing your benefits.  The mother didn’t understand why she had to have one.  Well, unfortunately, she had multiple charges of bad checks and fraud and at least one situation where she failed to tell Social Security about monies she was receiving from another source.  So, the account they set up was to ensure that she spent the money properly on the child.  In other words, they didn’t trust her to manage her child’s money.  So why would you run dirty and risk being under scrutiny by the Social Security Administration?

5)  I know you want your money but play it smart.
Listen, I know that times are tight.   I even understand that it is difficult to live on the money that Social Security has awarded you.  However, it’s important that you play it smart.  Why risk the possibility of having your benefits affected in the future?

6)  Proceed at your own risk.
For the 8 years that I have practiced law, I have learned at least ONE universal truth.  Despite all of the advice, information, and warnings that I provide, people will do what the HELL they want to do.   As an attorney, I don’t focus on the short term.  I look at the long term and invariably, people are going to do what they think will fix their situation NOW as opposed to dealing with something BIGGER later.

Listen, I understand how tough it is and it’s a pain when you find yourself in a position of getting a big sum of money that NOW, you have to figure out a way to keep the money and not lose your benefits.  Well, don’t make your situation worse by trying to find a slick way around not telling Social Security about your money.  In the end, you could make matters worse than better.