I've been taking care of my sister in my home for the last 3 years. I have a durable POA and she has dementia with Huntington's Disease. I called OPM to ask a question about her disability retirement check and they told me that they do not accept my POA even though it says that I can handle government benefits. Her check is direct deposited and I have been paying her bills and taking care of her needs with my name added to her acct as POA. Am I now in legal trouble with OPM because I didn't know that I needed to be a representative payee? Also, how do I pay her bills, buy her food and medical supplies in the meantime if I apply for representative payee while I am waiting for approval? Does anyone know how long the process takes? She has a good bit of money in her acct because I don't charge her living expenses.