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SSI Representative Payee

A representative payee is appointed by Social Security to manage the associated benefit payments for someone unable to do so on their own — for example, a minor child, a severely disabled person or a retiree suffering from advanced dementia.
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About SSI Representative Payees

A representative payee is a person or entity appointed by Social Security to manage the associated benefit payments for someone unable to do so on their own — for example, a minor child, a severely disabled person or a retiree suffering from advanced dementia.
The payee is typically a relative or close friend of the beneficiary needing assistance, but Social Security can also name an organization or institution for the role. (Examples include nursing homes, social-service agencies, and nonprofits such as RCFS). Anyone applying for or receiving benefits may designate in advance someone they would like to serve as their payee if the need arises.
Among a range of duties, payees must:
  • Use the beneficiary’s Social Security or SSI payments to meet his or her essential needs, such as food, shelter, household bills and medical care. The money can also be used for personal needs like clothing and recreation.
  • Keep any remaining money from benefit payments in an interest-bearing bank account or savings bonds for the beneficiary’s future needs.
  • Keep records of benefit payments received and how the money was spent or saved.
  • Report to Social Security any changes or events that could affect the beneficiary’s payments (for example, a move, marriage, divorce or death).
  • Report any circumstances that affect the payee’s ability to serve in the role.

A representative payee can’t mingle the beneficiary’s Social Security payments with their own money or use them for their own needs. The bank account into which these benefits are deposited must be for the sole benefit of the beneficiary, with the representative payee listed as financial agent.

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