A representative payee is someone appointed by the Social Security Administration to manage benefits on behalf of someone unable to do so themselves — a distinct process from a general power of attorney.
When this applies
Typically arises if the SSA determines a beneficiary can't manage their own funds, whether due to cognitive decline or another condition.
Having a well-drafted power of attorney in place can sometimes help avoid the need for a separate representative payee process — discuss this with an elder law attorney.
This article is general information, not financial or legal advice. Rules, costs, and program details vary and change over time — confirm current specifics with a licensed financial advisor or elder law attorney before making a decision.