Every once in a while, I get an email from a reader with a horror story of sorts involving sending unsolicited money to the Social Security Administration to pay back benefits that were received but were not due. Here is my advice: Never send money to the SSA until you are asked to do so. To explain this further, let’s look at some emails I recently received. Q: I wasn’t working, so I applied for my Social Security benefits at age 62. But a couple of months later, I got a high-paying full-time job. So, I put in the paperwork to withdraw my Social Security claim. My checks eventually stopped. But not until I had received approximately $5,000 in benefit payments. So, I wrote out a check for that amount and sent it to the SSA. Months went by. The check was never cashed. I called the SSA’s toll-free number. …