Can Social Security Disability & SSI Benefits Be Garnished?

Can Social Security Disability & SSI Benefits Be Garnished?

Generally, creditors cannot garnish Social Security Disability (SSDI) benefits.  Unsecured creditors cannot use garnishment of SSDI benefits as a method to recover unpaid debts.

However, there are three main exceptions to the general rule about garnishing SSDI benefits.

First, the IRS can garnish SSDI benefits with or without the debtor’s consent; however, the IRS can only receive up to 15 percent of your benefit amount per month.

Second, custodial parents may garnish a disabled, non-custodial parent’s SSDI benefits to recover back child support.

Finally, federal agencies owed non-tax debt can garnish SSDI benefits.

Under no circumstances can Supplemental Security Income (SSI) benefits be garnished. That means even the IRS cannot garnish wages of a delinquent taxpayer who receives SSI benefits.