A representative payee is a person or organization SSA selects to receive and manage benefits on behalf of an incapable or legally incompetent beneficiary.
Our policy is that a legally competent adult beneficiary has the right to manage their own funds and we must pay them directly. However, if the evidence shows a beneficiary is unable to manage or direct the management of payments in his or her best interest, we will pay benefits through a representative payee.
This chapter explains:
How we determine a beneficiary is incapable of managing or directing the management of funds;
How we select a representative payee; and
How a representative payee may use the payments they receive.
Last Revised: Nov. 16, 2010