​Who could lose their Social Security benefits in February 2025? Here’s what you can do 

06/02/2025
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09:52
CSTThe Social Security Administration (SSA) provides critical financial support to millions of Americans through programs like retirement benefits, Survivor’s Insurance, Disability Insurance (SSDI), and Supplemental Security Income (SSI). While these payments are generally protected from creditors and legal claims, there are circumstances where Social Security benefits may be withheld or garnished. Understanding these situations can help recipients manage their finances and take appropriate action when necessary.Although Social Security payments are shielded from most forms of debt collection, specific legal and financial obligations allow for withholdings. Court-ordered payments, tax debts and certain federal liabilities can result in deductions from Social Security benefits.One of the most common reasons for garnishment is child support, alimony, or court-ordered restitution. Under Section 459 of the Social Security Act, the SSA has the authority to withhold a portion of a recipient’s Social Security benefits to meet these obligations. However, retroactive deductions are not permitted, meaning that past-due amounts will not be taken from previous payments. Individuals disputing garnishments related to child support or alimony must address the issue directly with the court that issued the order, as the SSA does not have the authority to alter or remove these legal obligations.Another common reason for deductions is delinquent federal tax debt. The Internal Revenue Service (IRS) has the power to levy up to 15 percent of Social Security benefits under the Federal Payment Levy Program (FPLP). This authority, granted by the Taxpayer Relief Act of 1997, allows the IRS to collect outstanding tax debts through automatic deductions, which continue until the debt is fully repaid or resolved through an agreement. Not all Social Security recipients are subject to these levies. SSI benefits are exempt, and individuals whose Social Security payments fall below the federal poverty guidelines may also be protected. Anyone seeking to challenge an IRS levy should contact the IRS directly at 1-800-829-7650 to discuss options for relief or repayment.Beyond tax-related deductions, the Debt Collection Improvement Act of 1996 enables the Department of Treasury to recover delinquent federal debts by garnishing Social Security benefits. This applies to unpaid federal student loans, overdue government-backed mortgages, and other non-tax debts owed to federal agencies. However, certain Social Security benefits remain fully protected, including SSI payments, lump-sum death benefits and benefits paid to children.