Protection of Social Security Benefits Restoration Act

S 2804, the Protection of Social Security Benefits Restoration Act, prohibits the government from withholding Social Security, Railroad Retirement, and Black Lung benefits to pay off unrelated debts like federal student loans or tax obligations. It amends the Social Security Act and related laws to nullify provisions allowing such administrative offsets, restoring protections that previously existed before a 2020 change. The bill ensures Railroad Retirement and Railroad Unemployment Insurance benefits receive identical protections to Social Security benefits. These changes apply to all offset collections occurring after the bill's enactment date.