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Ask the bank to send you paper statements and keep clear records of expenditures so you are ready to submit your annual account to the SSA.  See pages, 8 and 16 of the Guide for more info.

Rep Payee Account:  Once you receive your letter of appointment you will need to open up an account at the bank of your choice in your name for the benefit of your-adult child.  See page 6 of the Guide (link below) for more information. 

Application:  You can request to become your adult-child's Representative Payee when the application is submitted or after he or she has been found eligible for SSI. As Representative Payee, SSI checks will be issued in your name for the benefit of your adult-child.

EARNED & UNEARNED INCOME; RENT

Before you apply, you should gather the following information to make the application process easier:

  • ​Names, addresses, and phone numbers for all doctors, healthcare professionals, hospitals and clinics that have treated your adult child.
  • ​Names and dates of medical tests and who ordered them.
  • ​Names of medications, dosages, reason for prescriptions and who prescribed them.
  • ​Names and addresses of schools attended.​​
  • ​Names, addresses, and phone numbers of all employers (if any).

REPRESENTATIVE PAYEE

Earned Income:  Earned income will reduce your adult child's SSI benefit but there are work incentives that apply to reduce the amount of the deduction.

  • ​General Income Exclusion:  -$20 from earned or unearned income
  • ​Earned Income Exclusion: -$65 from earned income
  • ​Impairment-Related Work Expenses (IRWE)
  • ​Student Earned Income Exclusion (SEIE)
  • ​SSI benefit is then reduced by 1/2 of the remaining earned income.
    • ​​Ex: $585 earned income - $20 - $65 = $500.  $500/2 = $250 = SSI reduction BUT $1,288 total income! ($943 - $250 + $585)

In-Kind Support & Maintenance (ISM)​: ISM is a form of unearned income that will reduce the SSI benefit by 1/3.  It occurs when a SSI recipient lives in the home of another (your home) and doesn't pay his or her fair share.  If you charge your son or daughter rent, he or she should get the full SSI benefit.  

LEGAL DISCLAIMER: BeneCounsel, Inc. presents the information on this website as a service to members of the general public. Use of this site does not create an attorney-client relationship between BeneCounsel and the user.  While the information on this site is about legal issues, it is not intended as legal advice or as a substitute for the advice of your own counsel.

Unearned Income:  Unlike earned income, there are no exclusions from unearned income, which will reduce the SSI benefit on a dollar for dollar basis. 

Reporting Requirements:  As Rep Payee, you have certain reporting requirements.  See page 10 of the Guide.  It is especially important that your report an earned income your adult-child makes; doing so will avoid having to pay back the SSA after the fact.. 

There are several ways you can apply for SSI:  online, in person and via a phone interview (contact your local SSA office).

APPLYING FOR SSI