I'd like to hear from anybody who has experience with being a representative payee for Social Security. I have lots of questions and concerns.
My mother-in-law has recently moved into assisted living. I am POA and mange all of her financial and medical affairs and am a joint signer on her bank account. She has Social Security and other payments direct deposited into her account.
I simply want to update her mailing address so she (or I) can receive her Social Security end-of-year tax statement. SS says that statement will not be forwarded, and besides, even if it could be forwarded, her address forwarding order with the post office has already expired.
I was told at the SS office that she has to appear in person at a SS office in order to make that address change. Otherwise, I would have to apply as a Representative Payee and have her bank account restyled and be responsible for an annual report of her funds. Being a POA doesn't matter. The Social Security Administration does not recognize POAs.
She has trouble getting around, has mild dementia, and I don't want to put her through the hassle of sitting for possibly a long wait at a SS office. But I have concerns about making changes to her banking and the repercussions of being her Representative Payee.
I'd like to hear from anyone with experience as a Representative Payee, or a legal expert in this matter. What are possible problems, concerns, that might result from making the change? Some concerns are possible disruptions in Social Security payments and her direct deposits from other sources, and my legal responsibilities as a her Rep Payee.