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About my social security income?
I am 28 years old and have received SSI benefits since I was 12 and my mom is my payee would I be able to get my money out of my account if my name is on the account, but what would happen if my name is not on the account if something happened to my mom. I am really concerned because my mom's health is not the best anymore. Would my stepdad be the one to take over my funds for me if something happened to my mom or would I be able to be over my own money?
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I used to be a caregiver for a guy who had SSI benefits since a kid when he was diagnosed with schizophrenia. He was in his thirties , and one day he decided he wanted to change who his payee was. At least in my state, he was as an adult, able to get his payee changed without any trouble All he had to do is contact whoever was his social worker, the person who checks in on you once a year to see if anything has changed in your status for the better or the worse. This was a common occurance with all patients I had. The state has to keep yearly records of how you are doing if recieving SSI, much the same as DSHS (Dept of Social and Health services) does with requiring a mid certification review with each person or family receiving food stamps that is done twice a year. If you aren't sure who your social service rep is, then ask your MOm, if she can't tell you and you dont have a name or number, I guarantee that your name will be in their system. Their computer will have the name of who the money is for no matter whose name is on the check. You could make a call to your cities local DSHS branch, tell them you get SSI checks and have since age 12. If you can give your name, MOms names as payee, and your birthday, maybe phone number, thats enough information for them to find you in their files. Let them know why you are calling, exactly what you told us, that due to Moms health slowly going downhill, you are worried about her still being the payee if something happens to her. You would rather make a switch now. You need to talk to someone to find out if this is something you yourself now have the capabiltiy to handle on your own. The person I worked for, got his money and put it in the bank. Never used checks or debit cards cus it was too confusing for him. He just guessed how much cash he needed to go grocery shopping, went to his bank to take out that much cash and went shopping. If any money was left over, he put it back in the bank. This is a perfectly functional way to handle ones own checks that the payee forwarded for food and personal care things while they took care of apt and other bills. You could have someone check to see how capable you are, to what extent and give you some ideas on who you might ask to see if they would be willing. Usually this will be family, extended family or very close family friends. So if no sibling, cousins or aunts or uncles are willing to take on the role and even had an idea from social worker as to what it entails, then it can be done. you are an adult. I do not know if there are any mental reasons they would not let you decide. you seem very capable of explaining yourself here extremely well, far better than some of the younger people that write in sometimes. If you ask your Mom and she says no, she will stay your guardian, but you need help to getting in contact or with making a phone to DSHS, then ask another relative you trust to help you, or heck. even a good friend or neighbor who is friends who will help you to place the call and get the ball rolling. I believe you have the right unless there is some issue with you not being considered able to make any decisions for yourself at all. You should be getting acclimated to how to live on your own, even if you have a payee. Your parents don't live forever and you will likely outlive them. There are adult family homes for people on disability. You should be encouraged to figure out getting your own clothes and other personal needs with a check that comes to you for that. It sounds like Mom gets it all and decides how to dish it out, not giving you any pocket money so you have to go to her asking for every little thing like money for a movie, like a young kid. When all bills are covered, there should still be some money that is yours to buy your own food and clothes. Since you are living with Mom, I assume she is using your check to take care of all your expenses. The thing is, your SSI should be enough to pay for low income housing either apts or in a house for disabled adults, mentally or physically. And to cover electricity, phone and other monthly commitments and for there to still be enough for you to budget out how to use the remainder on clothes, food and for entertainment, personal care needs. Instead of a care home where the pay for your stay of having a room, a home overseer and helper and having meals all cooked for you is covered by SSI, your Mom is having you live at home, I don't know if by need or by her choice, but if its never been talked about, then its high time. She is receiving all the money, which is covering your room in Moms house, her cooking you the meals and taking care of all your needs. Even diabled people are able to with some occasional outside assistance of caregivers, to live on their own. You may not be ready or wanting that step but something in between right now, just having some access to your own money.
I could say to just ask your Mom. But I am a MOm and know of other MOms who have kids with some behavior issues or disablities and after raising you, a MOm gets so used to your limitations that they fail to see where you may be able to do things on your own. Especially a MOm of a legally blind adult son. She lived next door and was still reminding him of all he had to do, and worrying and reminding him to be careful, basically the mother to child version of the wife who henpecks a husband, meaning always there, interfering and feeling they know better, and assuming you will continue to allow her as Mom to continue Mothering you. This is hard for a MOm especially if the child had reasons to be receiving SSI. The only non personal reason i know of kids to recieve SSI checks is my nieces and nephews when their Dad died of cancer, they each recieved a check monthly from their Dads social security but that was until they reached 18, only temporary. So you may want to have someone verify with you that since you've been on SSI since age 12, whether you need total care of if you can be involved in decision making like this.
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What is a payable beneficiary ?
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This is a question that someone at the Social security Administration should be answering for you as it depends on why your mom is your payee. Unless it was deemed you needed a financial guardian; when you turned 18 you should have been able to have your checks come directly to you.
You need to call Social Security and find out why your mom is still your payee. If there is no reason for your mother to be your payee then if you have a savings or checking account you can have the checks changed to your name and sent to your bank account while you are on the phone with Social Security. The number to call is 1-800-772-1213 follow the prompts to speak to a representative as the automated machine will not be able to help you.
If there is reason why your checks must go to someone else then find out how to set up a secondary payee in the event of your moms' death.
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