Dear Rusty: Things have gone good for me until now. I got a job and have enjoyed going back to work after being retired. But I just got some bad news – a letter from Social Security saying I owe them $17,000 because when I went back to work, I earned more than allowed in 2021. They never mentioned that I told them I was going back to work! They now say they can’t pay me benefits in 2022 because I am working. Good job SSA, since I told you when I went back to work!  Anyway, I can’t repay them all at once, I’m lucky to buy gas to get groceries. They list items for a waiver, but I am not sure what is best for me. I was planning on moving for health reasons, but if I paid them all at once I have nothing left for the move. I just started my research on how to handle this but hoped you would have some insight. Signed: Un-retired Worker

This recording presents the viewpoints of the AMAC Foundation’s Social Security Advisory Staff, trained and accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). NSSA and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government. To request additional information, contact our Advisory Staff at 888-750-2622, or email us at SSAdvisor@AmacFoundation.org.