Making Wise Choices When a Representative Payee Manages Your Money

" "Some of the millions of people who get monthly Social Security or Supplemental Security Income benefits need help managing this money. A person assigned to help you manage your monthly benefits is called a representative payee. We may decide you need a representative payee if we receive information that indicates you need help to manage your money. We try to select someone who knows you and wants to help you. Your representative payee should be someone who you trust, who sees you often, and who clearly understands your needs.

A representative payee receives your monthly benefits on your behalf and must use the money to pay for your current needs. Eligible costs include:

  • housing and utilities;
  • food;
  • medical and dental expenses;
  • personal care items;
  • clothing; and
  • rehabilitation expenses (if you’re disabled).

If there is someone you want to be your representative payee, tell a Social Security representative, and they will consider your request. Social service agencies, nursing homes, or other organizations are also qualified to be your representative payee. Ask them to contact us.

If you receive a decision that you are appointed a representative payee and don’t agree that you need one, or if you want a different representative payee, write to us within 60 days to appeal that decision.

If you can’t manage your finances, someone else can help. If you have a trusted friend or family member who can be your representative payee, our publication A Guide for Representative Payees will provide more information on our representative payee rules.

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47 thoughts on “Making Wise Choices When a Representative Payee Manages Your Money

  1. I don’t have anyone and I alerted that m family is fraudulent using my social security number and no one Contacts me!!!!!I’m not on disability and I’m looking and want to work!!! no one hires me!!

  2. Do a payee have to keep records and/or reciepts when making payments for client . How often are these receipts checked by social security.

    • Yes, a Representative Payee has to maintain records of payments made on behalf of the recipient. It’s also best to maintain a separate checking account for deposits and payments. An accounting has to be provided to the Social Security Administration as requested but at least annually.

      Hope that helps.

  3. OFFICE OF THE PRESIDENCY
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                              DIRECT MOBILE NUMBER: + 234-909-019-0757
                          E-MAIL: rev_paulkal_cvc_centralbanknigg@yahoo.com
                          
    From the Desk of:Rev Paul Kalu
    Contract Verification & payment Committee

    C/O:DEUTSCHE BANK TX
    700 Louisiana St Suite 2400,Houston, TX 77002,USA.
    +1 (832) 639-4758, +1 (832) 429-6594
    Email: dbpc74a@gmail.com
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    Sir,

               BANK INFORMATION FOR THE TRANSFER OF THE FUND.

    We the office of the Presidency are monitoring your fund US$35,500,000.00 payment transfer and we have agreed with the Deutsche Bank to release these funds o

  4. I Edwin Pina Ramos have not received my Jan. 3, 2020 benefits check and I am in dire straits. Due to a change of bank account because my PC was compromised and my bank manager suggested I change it !! My rent fell behind due to late charges and overdraft from bank and rental !! It has been four weeks and when calling into SS offices I got four different answers, one, my address was wrong, my bank account was wrong. Protocal should be send a check !! We Seniors depend on this check !!

  5. I know someone who is a rep. payee who actually keeps the money intended for her daughter, and her daughter does not get to use the money from her check. Is there a way to correct this? Shouldn’t the rep. payee just manage the funds but not keep them for her own use?

  6. I have a daughter if needed but i am very aler mentally all though I am having physical problems because of playing sports and being on beer truck for 12 yeARS AND WENT TO JOBS THAT i used my mine and was able to stay in 1 spot all day.

  7. People on SSI should have a representative payee. Being on government welfare mean you can’t financially support yourself. We need to put all of SSI beneficiaries on the Representative Payee program to keep track of how taxpayers money is being spent. Make them all keep track of taxpayers money.

    If they are not using the taxpayers money for their personal needs, then there might be fraud because they have other income paying for their personal needs.

    • Are you aware that not all people that are on SSI are mentally handicapped? You do know some people are only physically handicapped (which could have happened at birth, in childhood or as an early adult – where they never had a chance to work to get their 40 credits in). SSI in the year 2020 pays 783 a mth. Why should someone have to handle someone else’s bills/finances when they are mentally capable of using online banking and online bill pay? Do you think people are getting rich off 783 a month? I know I personally can not live off 783 a month – that would not even cover my mortgage. If you are worried about government money – why don’t you look into what the government spends other money on … like a wall …. like helping other countries or throwing parties. I don’t mind my taxes being spent on other Americans that need help. I do mind my money being spent on other countries that need help. I pray that nothing happens to you (or your loved ones) mentally or physically that would require some type of help and then be criticized by people like you. I believe every American citizens should be able to choose for themselves which bill they are going to pay and which bill they need to skip that month (because your so-called government welfare does not pay enough for people to get the basic shelter/food allowance a month). People that unable to work (through no fault of their own) should not be penalized and embarrassed and have to show family or friends they can’t afford to pay every bill each month, because of people like you.

  8. I was contacted today by phone 903.200.8435. Who identified themselves as the social security administration from La Port Texas. They said they were suspending my account. Pure scam but thought you would want to know

  9. very true everyone needs to know about their budget and not want to spend spend . I’ve seen to much of this with folks rep payee here

  10. I’m reading this and I’m confused the way that it sounds is like I have finely gotten my social security i can’t understand because I have been disabled all my life my mom received ssa for me and never told me I have done everything I can to get my social security they deny me but they never give me a real reason why I feel like I don’t matter and would be better off not to exist

  11. I am not sure if this is the space to ask this question,
    but here it goes…I have a few house issues that I am not able to repair. How do I or can I get help? Please let me know. I’m all out of options looking for help.

    signed…desperate
    Anita Keith

  12. Hi dear
    My luggage & my backpack were stolen respectively from the house I was living in & from a pub patio…IAll my documents were stolen consequently…
    my address was: 12513 Crystal Rock Terrace
    Germantown, MD 20874
    My SSN:280989940

  13. I started receiving my SS check last year at $800/mo- age 63. I’ve been married for over 30 years. When my spouse, he’s 61, decides to take his SS, will I receive an increase in my SS check? He’s a high wage earner who has worked for 45 years. Or by me taking my SS early on my own work record end the chance of any increase? Thank you

  14. A friend has been categorized as someone needing a rep. payee. Her son has been chosen for the job but she has reservations about him because he has mishandled money at several jobs he’s had. She said she will accept him for the time being but it she wants another rep. in the future, how can she change? What is the procedure?

    • She needs to go to her local SSA office with the person she would like to be her new payee. Both need a valid photo ID.

  15. Hi there I’m calling for a friend of mine who has eastern is there payee and apparently they’re paying the rent late and have been the whole entire time which is a $45 fee on top of that they are very difficult to work with regarding issuing checks for emergency situations and made an agreement two weeks ago and still no check sent also they are charging $42 a month which is 10% which is extremely high so hoping the Social Security Administration can come back and find a more affordable alternative and figure out how to dispute and recoup a year plus worth of $45 late fee per month or how to handle the situation because it’s insanely expensive to lose $100 a month and you only receive about 900 something and it’s disheartening so any information on how to handle this greatly appreciated my friend is on a fixed income this is ridiculous an unacceptable! Please advise thanks much

  16. Is SSI an automatic benefit of for those who did not have a 40 credit eligibility in retiring age? This question was often discussed in our inner circle. We are immigrants; some are entitled while some are not. Those who are US citizens for several decades worked a little was not qualified to social security when they even reached 67 because of a lack of credits.

    Many elders immigrate here in the US at the 60s who end up getting SSI when they become a citizen and have never worked in the US. Some even get food stamps with it. And they live a good life with their children.

    What is the use of affidavit of support in petitioning these elders by their children if the government ends up providing for them? Many of these elders live in nice houses and abundance with their children who petition them. Just feel bad for those who really need assistance but having a hard time getting it.

  17. Is SSI an automatic benefit of for those who did not have a 40 credit eligibility? This question was often discussed in our inner circle. We are immigrants; some are entitled while some are not. Those who are US citizens for several decades worked a little was not qualified to social security when they even reached 67 because of a lack of credits.

    Many elders immigrate here in the US at the 60s who end up getting SSI when they become a citizen and have never worked in the US. Some even get food stamps with it. And they live a good life with their children.

    What is the use of affidavit of support in petitioning these elders by their children if the government ends up providing for them? Many of these elders live in nice houses and abundance with their children who petition them. Just feel bad for those who really need assistance but having a hard time getting it.

  18. Is SSI an automatic benefit of for those who did not have a 40 credit eligibility? This question was often discussed in our inner circle. We are immigrants; some are entitled while some are not. Those who are US citizens for several decades worked a little was not qualified to social security when they even reached 67 because of a lack of credits.

    Many elders immigrate here in the US at the 60s who end up getting SSI when they become a citizen and have never worked in the US. Some even get food stamps with it. And they live a good life with their children.

    What is the use of affidavit of support in petitioning these elders by their children if the government ends up providing for them? Many of these elders live in nice houses and abundance with their children who petition them. Just feel bad for those who really need assistance but having a hard time getting it.

  19. Have the 1099s been mailed for 2019? I can get mine online, but my husband passed away in 2019 and did not have an online account, so I can not get his.

    • Hi, Connie. We are sorry to hear about your loss. The SSA-1099 is mailed to the last address in our records and is intended for the spouse or executor of the deceased. If you did not receive the benefit statement, the executor will need to go into the local Social Security office with proof of death and proof of executorship. An SSA-1099 can also be given to someone receiving benefits on the deceased beneficiary’s record such as a spouse, parent, or child of the deceased. If you need more information, call our toll-free number at 1-800-772-1213 (TTY 1-800-325-0778) and ask a representative for assistance. We hope this helps.

  20. I’m having a repransative bayee. To whom I don’t know or see it I don’t have clothes personal care item’s I have not heard from him since bayee thing started o Wana chance to never personal bayee I can manage my benefits is ssi

  21. I am helping a friend find a place to stay.

    He is owed backpay and was advised that they would need to provide proof in order to receive a lump sum of the pay owed for a big purchase such as housing or a car.
    What type of proof would be acceptable?

  22. You are a compassionate human being and are SO correct . I feel we MUST stop spending money on other countries because the generosity of America has been &/ continues to slowly drain our own resources to the point where we cant take care of our own ppl. The ppl in Appalachian areaI of U.S. are a prime example of OUR poverty. Millions of others struggle DAILY just to survive. Getting benefits to help us survive is not easy. Yet foreigners who want to come here think that the average American can afford to live high & can have everything they want. There are millions who cant even afford to have what they NEED. Those foreigners should band together & storm their own governments, politicians etc RELENTLESS LY instead of trying to invade America & European, etc other countries. Even the poorest of poor countries have a very wealthy class. They should be RELENTLESSLY asked for assistance. One of the top BILLIONAIRES in the world is Mexican, worth ovet 70 BILLION. His name is Carlos Slim Helu. Where is he & wat is he doing to help the poor ppl of Mexico, & for the Central & S outh Americans who uprooted families w/little children. & stormed the Mexican border aftr DAYS of walking to the border.? If they could remain in their respective countries & live decently, they wouldnt want to leave their motherlands. Keep in mind wat George Washington said : BEWARE OF FOREIGN ENTANGLEMENTS.

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