The Social Security Administration is addressing the issue of benefit overpayments, with the commissioner pledging to end 'clawback cruelty' through a new plan. This reform comes after policies led some Americans into financial distress and even homelessness. Current laws lack the authority to prevent the recovery of overpayments, creating a chronic problem affecting millions. Overpayments occur when beneficiaries receive incorrect amounts or benefits after their death, leading to stress as they are typically required to repay the excess funds.