Is the representative program just to answer for the Social Security check each month? I have helped my Mom who has dementia for years. To change her address, SSA said I had to be a representative payee, close her present checking account and start a new one. Do I have to come off her savings too? The bank says no and everything I read is confusing. I am POA and have been on her accounts for years, helping her. Also does the representative account go back to executor of the will when the beneficiary dies?