1. Short title This Act may be cited as the Stopping Harm and Implementing Enhanced Lead-time for Debts for Veterans Act or the SHIELD for Veterans Act . 2. Bar to recovery of certain payments or overpayments made by Department of Veterans Affairs by reason of delays in processing of certain information (a) Bar to recovery (1) In general Chapter 53 of title 38, United States Code, is amended by inserting after section 5302A the following new section: 5302B. Bar to recovery of certain payments or overpayments (a) Limitation The Secretary may not collect all or any part of an amount owed to the United States by any individual under any program under the laws administered by the Secretary if the amount is owed for any payment or overpayment that was caused by the amount of time taken by the Department, or by any employee of the Department, to process information provided by or on behalf of the individual. (b) Notice to beneficiary If the Secretary determines that the Secretary has made an overpayment to an individual, the Secretary shall provide notice to the individual of the overpayment and of any action the Secretary plans to take to collect repayment for the overpayment or to reduce any benefit of the individual by reason of the overpayment by not later than 90 days before taking such action. Such notice shall include an explanation of the right of the individual to dispute the overpayment or to request a waiver of indebtedness. . (2) Clerical amendment The table of sections at the beginning of such chapter is amended by inserting after the item relating to section 5302A the following new item: 5302B. Bar to recovery of certain payments or overpayments. . (b) Plan for improved notification and communication of debts Not later than May 1, 2020, and 12 months thereafter, the Secretary of Veterans Affairs shall submit to Congress a report on the improvement of the notification of and communication with individuals who receive overpayments made by the Secretary. Such report shall include each of the following: (1)