Re: SSI checks

[Guest guest]

's is direct deposited into an account just for his SSI check, I'm also on

the account but it's specifically for SSI monies.

H.

SSI checks

I was wondering if anyone has their sons/daughters SSI checks deposited into

heir checking account. I noticed with the last SSI check there is a notice

bout DirectExpress. It says you can get a Debit Master Card or have a direct

eposit. I was wondering if I should deposit it in my checking or if I need to

pen a new account. Any info would help.

hanks, Liz

[Guest guest]

Liz,

I just read on the SS website that having the checks deposited into someone

else's account, if that person is the payee on the SS account, is a big " no no " .

I think that if there are multiple individuals in the same household getting

checks, it might be different, but basically, it sounds like it has to be a

separate account with a very specific name form that person.

Check out the SS website - there is lots of info there.

Sent from my iPad

[Guest guest]

WHEN your child (adult child) was approved for SSI, SSI made 3 decisions:

 

- do the medical records meet Social Security's definition of disability?

- they assign him/her an onset date

- can he/she handle this/her own money?

 

If SSI determines that he/she cannot handle their own money, they will be

assigned a " payee "

ONLY the payee can touch this money. If SSI sees that the SSI recipient is

handling their own money, SSI will think: " he/she could not handle money and now

he/she is handling money- maybe he/she is getting better. "   This could spur a

medical review (which I would NEVER wish upon anyone).

SSI money, where there is a payee, needs to be deposited into a " payee " bank

account.

 

I provide payee " do's & don't's " for my clients. 

Below, please find a sample:

 “Do’s†& “Don’t’sâ€Â  for Payees

AFTER SSI HAS BEEN AWARDED:

 

1)      Open a checking account titled:  _(parent’s name)_ as

representative payee for _(child’s name)_. Open this account using the

child’s social security #.  I would wait to open this account until you

receive the child’s first SSI check as money used to open this account will

count as income for the child.

 

2)      ONLY SSI money should be deposited into this account. (All deposits

are deemed as income for the month of deposit). No birthday or holiday money

should be deposited into this account.

 

3)      SSI money can ONLY be spent for the child’s sole benefit.

 

4)      Keep a VERY detailed ledger when writing a check. (ie: 2 line

ledger: Walgreens -  medication, The Gap – 2 pairs of jeans, parent’s name

- November rent.)

 

5)      Every year, you – as payee- will receive a form. This form will

ask you how the child’s SSI money was spent during the year. Your detailed

ledger will help you complete this form.

 

6)      Many people get audited by SSI. Your detailed ledger will help with

this.

 

7)      It is always best to use a check written DIRECTLY to where the

purchase is taking place. Should you wish to reimburse yourself, you will need

to keep the original receipt and proof that the original purchase was for the

child.

 

8)      Remember to pay rent to yourself each month.

 

9)      Remember – ALL assets in child’s name cannot exceed $2000 –

at any time!!

 

10)  If your adult child gets a job, remember ALL monthly income MUST be timely

reported to SSI. Remember to send ALL checkstubs to SSI on a MONTHLY basis –

certified mail - with a signature return receipt requested. This way, you will

have a record as to who received this mail at the Social Security office. The

amount the child earns monthly may affect his SSI benefit amount monthly.

 

11)  Remember: any change in the child’s income, assets, school attendance or

living arrangement MUST be reported to SSI within 10 days of the change. Please

report ALL changes via certified mail with a signature return receipt requested.

 

 

________________________________

From: Liz Youhana <eliz1156@...>

" IPADDUnite " <IPADDUnite >

Sent: Tuesday, December 6, 2011 11:16 PM

Subject: SSI checks

 

I was wondering if anyone has their  sons/daughters SSI checks deposited into

their checking account.  I noticed with the last SSI check there is a notice

about DirectExpress.  It says you can get a Debit Master Card or have a direct

deposit.  I was wondering if I should deposit it in my checking or if I need to

open a new account.  Any info would help.

Thanks,  Liz

[Guest guest]

Sherri thank for the info.

I have been depositing this into my checking and paying his bills from it.  Now

that they want a direct deposit I will go and open a checking in his name and

SS#.    Why do they make it so difficult for us.  It's not like $674.00

 goes very far.  Over $200.00 from his check goes to the park district for his

program twice a week.    After room and board their isn't much left.

Thanks again,

Liz

________________________________

From: Sherri Schneider <benefithelpss@...>

" IPADDUnite " <IPADDUnite >

Sent: Wednesday, December 7, 2011 9:34 AM

Subject: Re: SSI checks

 

WHEN your child (adult child) was approved for SSI, SSI made 3 decisions:

 

- do the medical records meet Social Security's definition of disability?

- they assign him/her an onset date

- can he/she handle this/her own money?

 

If SSI determines that he/she cannot handle their own money, they will be

assigned a " payee "

ONLY the payee can touch this money. If SSI sees that the SSI recipient is

handling their own money, SSI will think: " he/she could not handle money and now

he/she is handling money- maybe he/she is getting better. "   This could spur a

medical review (which I would NEVER wish upon anyone).

SSI money, where there is a payee, needs to be deposited into a " payee " bank

account.

 

I provide payee " do's & don't's " for my clients. 

Below, please find a sample:

 “Do’s†& “Don’t’sâ€Â  for Payees

AFTER SSI HAS BEEN AWARDED:

 

1)      Open a checking account titled:  _(parent’s name)_ as

representative payee for _(child’s name)_. Open this account using the

child’s social security #.  I would wait to open this account until you

receive the child’s first SSI check as money used to open this account will

count as income for the child.

 

2)      ONLY SSI money should be deposited into this account. (All deposits

are deemed as income for the month of deposit). No birthday or holiday money

should be deposited into this account.

 

3)      SSI money can ONLY be spent for the child’s sole benefit.

 

4)      Keep a VERY detailed ledger when writing a check. (ie: 2 line

ledger: Walgreens -  medication, The Gap – 2 pairs of jeans, parent’s name

- November rent.)

 

5)      Every year, you – as payee- will receive a form. This form will

ask you how the child’s SSI money was spent during the year. Your detailed

ledger will help you complete this form.

 

6)      Many people get audited by SSI. Your detailed ledger will help with

this.

 

7)      It is always best to use a check written DIRECTLY to where the

purchase is taking place. Should you wish to reimburse yourself, you will need

to keep the original receipt and proof that the original purchase was for the

child.

 

8)      Remember to pay rent to yourself each month.

 

9)      Remember – ALL assets in child’s name cannot exceed $2000 –

at any time!!

 

10)  If your adult child gets a job, remember ALL monthly income MUST be timely

reported to SSI. Remember to send ALL checkstubs to SSI on a MONTHLY basis –

certified mail - with a signature return receipt requested. This way, you will

have a record as to who received this mail at the Social Security office. The

amount the child earns monthly may affect his SSI benefit amount monthly.

 

11)  Remember: any change in the child’s income, assets, school attendance or

living arrangement MUST be reported to SSI within 10 days of the change. Please

report ALL changes via certified mail with a signature return receipt requested.

 

 

________________________________

From: Liz Youhana <eliz1156@...>

" IPADDUnite " <IPADDUnite >

Sent: Tuesday, December 6, 2011 11:16 PM

Subject: SSI checks

 

I was wondering if anyone has their  sons/daughters SSI checks deposited into

their checking account.  I noticed with the last SSI check there is a notice

about DirectExpress.  It says you can get a Debit Master Card or have a direct

deposit.  I was wondering if I should deposit it in my checking or if I need to

open a new account.  Any info would help.

Thanks,  Liz

[Guest guest]

We also direct deposit to an account with Stef's name on it, and mine,

which is only used for SSI monies and I keep track of how the money is

spent on a (yes another) spreadsheet. If we buy clothes I say what it

is, recreation where we go,

personal supplies, gifts, church, etc. This makes it very easy to do

the end of year report. Gloria

[Guest guest]

I am on the account, identified as the representative payee. Either of

us can write checks, although I do not, and she has a debit card. Gloria

[Guest guest]

Gloria,

Congratulations to the great life your daughteris having. You have worked

hard and you see the payoff. Cindi