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Rate of Withholding

Excerpted from "Social Security Handbook". See the up-to-date, official Social Security Handbook at

1910. Rate of Withholding

1910.1 What is the rate of withholding under the RSDI programs?

If you are under the RSDI program, we withhold all benefits until the overpayment is recovered, unless:

  1. You request a lesser withholding; and

  2. You demonstrate that full withholding will cause financial hardship.

1910.2 What is the rate of withholding under the SSI program?

If you are under the SSI program, your benefits are withheld at the lesser rate of:

  1. Your entire monthly benefit; or

  2. An amount equal to 10 percent of your total countable income (including SSI and State supplementary payments). (See Chapter 21.)

Last Revised: Jun. 22, 2004


Recent Content

Common Mistakes About Social Security

A recent poll found about half of respondents made mistakes on the following :

1. Retirement benefits will not be reduced if I claim at age 65 => FALSE. Full retirement age is rising.

2. A spouse can receive Social Security even if they have no earnings history => TRUE

3. If my spouse dies, that will have no effect on my Social Security payment => FALSE

4. Social Security benefits depend only on my earnings history, not when I claim => FALSE

Four Common Social Security Claiming Mistakes

1. Not knowing your full retirement age (FRA). 'Full benefit' retirement age is rising beyond age 65 to age 67.

2. Not knowing you can file for benefits three months in advance of receiving income

3. Forgetting Social Security benefits can be subject to income tax.

4. Thinking early filers can later receive 'full benefits'. If filing early, your benefits are permanently reduced.

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