Recently the Washington Post ran an eye-popping story: the Social Security Administration has been pursuing people for overpayments that were ten or even forty years old. In many cases, they were collecting from the children or other relatives of the people who supposedly owed the debts - including people who had been children when the payments were made.
The term "overpayment" makes it sound like we're talking about people who broke the rules. In my family's case, we followed every rule to the letter - and then the rules changed.
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Well over a decade ago, our niece Kali went to live with her grandmother (Packrat's mother). Kali received a small check every month from her disabled stepfather's Social Security, and her grandmother used it as intended, for the normal expenses of feeding, clothing, and educating a teenager whose parents were unable to take care of her.
A year later, Packrat's mom was having health problems. Kali moved in with us, and Packrat became the Social Security payee. Eventually Kali turned 18, the checks stopped, and Kali continued to live with us for several more years until she was ready to be out on her own in a precarious economy.
Two years ago, Packrat received a letter from Social Security, saying there had been an "overpayment" of $4500 and demanding immediate repayment. After a bewildering foray through voice mail menus that told her how important her call was, Packrat finally reached a human. This woman proceeded to explain that an additional person had been added onto the stepfather's Social Security, retroactive to ten years earlier, and Kali's grant had been reduced accordingly. (We never found out who this additional person was, as Kali's mother and stepfather had divorced in the intervening years, and were no longer in touch.)
Packrat explained that Kali hadn't even lived with us for the full time they were trying to collect for, and their own records would show that. The worker responded that it didn't matter because Packrat was "the last payee on record." I try to bear in mind that the low-level worker delivering the message is not the one responsible for the crappy decisions. But my head just about exploded and imploded simultaneously at this. If the previous tenant owed back rent, does your landlord get to collect it from you because you're the "last tenant on record?"
Obviously going from a script, she went on to say that, "I know you feel that you don't owe this money." Sorry, but it's not possible to be "overpaid" money that you were never paid. That's not a "feeling," it's MATH.
It got worse. She said that they debt would "follow" Kali, so if we didn't pay it, Kali (who was just getting by on a starter job) could have her wages garnished. Even though Kali was a child at the time of the supposed overpayment? Yes, she said.
After hanging up (and managing not to throw the phone across the room), Packrat and I agreed that we didn't want them pursuing Kali, and we definitely didn't want them harassing Packrat's mother, who was very frail by then. So if anyone paid, it would have to be us. But we weren't ready to concede anything yet.
We filed an appeal, arguing that we didn't owe the money. Simultaneously, we filed a waiver, arguing that even if we did owe the money, the debt should still be waived. Social Security allows waivers under two circumstances. One is if repayment would leave us without enough money for basic living expenses. As we both have decent jobs, that didn't really apply. The other exception was if "the overpayment was not your fault, and repayment would be unfair." In our letter, we noted that ours was the textbook example of that situation.
We settled into a pattern. Every couple of months, Social Security would send a letter asking if we'd "forgotten" to pay, and demanding immediate payment. We'd call and point out that there was an active appeal. They'd check, agree that it would remain on hold until the appeal was resolved, and suggest that we call the appeals department to see what was taking so long. I never could figure out why they thought we'd want to do that. As far as we were concerned, the longer it took, the more time to save up for a lawyer if we needed one.
More than a year after the first letter, we got a notice saying that the appeal had been denied because it hadn't been filed on time, and again demanding immediate payment. Thank Goddess for certified mail. We wasted a full morning at our local Social Security office, but finally got to show them the signed return receipt proving that the appeal had in fact been sent and received before the 60-day deadline. The worker looked it over, agreed we were right, and sent a message to the repayment center in some other state. We tried not to smirk when she said it "might be more than 45 days" before we heard back.
Now we learn that this was part of a new policy of pursuing people for decades-old "overpayments," and trying to collect from people other than the ones who received the money. Thanks to the Post story and the efforts of Sens. Boxer and Mikulski, the SSA now says it's "suspending" these practices pending a review. I'm not sure if "suspended" means a permanent end; after reading what happened to Mary Grice, I certainly hope so.
If the Social Security Administration needs a money-making suggestion, here's one: stop having the poor and middle class subsidize the rich, and lift the cap on the payroll tax. Hey, maybe they could make it retroactive to when Social Security was started! (Just kidding - they'd never make a retroactive rules change affecting the people who pay for political campaigns.)
On to Top Comments!
In my diary Murderous thoughts from the religious right, Galtisalie give us this creative and very insightful comment.From greenbird:
Stands on its own, needs no introduction: the gif diptych!From Your humble (if antisocial) diarist:
never saw #1 before, so consider that a factor.
#1 production level good enough to be wrong enough to be bad.
#2 had seen, but this is a double-yolk comment (heh) so no separation allowed.
better relief from evolving technology !
(Comment is from JeffY in the Open thread for Night Owls.)
Greenbird also sent this "extra-classic fabulous" comment from Ellid in zenbassoon's diary Donald Trump Complains About How the President Walks.
Flagged by Unclemoji, this comment from ontheleftcoast in the midday open thread puts privacy issues in perspective.Top mojo, courtesy of mik:
From the inimitable Hunter's diary Republican Senate Candidate imagines Vladimir Putin is very worried about him, a gem from Mr. MadAsHell, and another from BenderRodriguez.
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