Which of the following describes when a beneficiary is at fault during an overpayment?

The correct answer is based on the understanding that being "at fault" in the context of an overpayment means that the beneficiary made choices or statements that intentionally led to inaccurate information regarding their eligibility for benefits. When a beneficiary makes incorrect statements knowingly, it shows a deliberate action that contributes to the overpayment situation. This behavior indicates a lack of due diligence or an intention to misrepresent their circumstances, thereby placing them at fault for the resulting overpayment.

In comparison, failing to request a waiver, not reporting changes in income, or failing to apply for benefits can be seen as forms of neglect or oversight, rather than intentional wrongdoing. While these actions can result in overpayment, they do not reflect the same level of intentional misrepresentation or knowledge that characterizes being "at fault" as outlined in the correct answer. Understanding the nuances of what constitutes fault is crucial for beneficiaries who wish to navigate their benefits responsibly and avoid penalties.