Rep Payee Tech Training
Articles, Blog

Rep Payee Tech Training

August 17, 2019


>>HELLO. I’M CAROLYN COLVIN, ACTING COMMISSIONER OF THE SOCIAL SECURITY ADMINISTRATION. AND I’M PLEASED TO WELCOME YOU TO THIS REPRESENTATIVE PAYEE TECHNICAL TRAINING. IF YOU ARE VIEWING THIS TRAINING, YOU HAVE MADE THE RIGHT CHOICE. YOU HAVE MADE A SINCERE COMMITMENT THROUGH YOUR TIME AND TALENT TO SERVE, PROTECT, AND PROVIDE SUPPORT TO THOSE IN OUR COMMUNITY WHO ARE THE MOST VULNERABLE. ALTHOUGH SSA GENERALLY PRESUMES THAT BENEFICIARIES ARE CAPABLE OF MANAGING THEIR OWN BENEFITS, THERE ARE INSTANCES WHERE SOME MAY HAVE TROUBLE ATTENDING TO THEIR BASIC NEEDS AND MANAGING THEIR SOCIAL SECURITY OR SUPPLEMENTAL SECURITY INCOME BENEFITS. INDIVIDUALS WHO NEED REPRESENTATIVE PAYEES ARE SOMETIMES OUR MOST VULNERABLE BENEFICIARIES. THEY ARE OFTEN OUR RELATIVES, FRIENDS, NEIGHBORS, OR ACQUAINTANCES. AS A REPRESENTATIVE PAYEE, YOU PLAY A CRITICAL ROLE IN PROVIDING FINANCIAL MANAGEMENT SUPPORT TO SOCIAL SECURITY AND SSI BENEFICIARIES WHO ARE INCAPABLE OF MANAGING THEIR OWN MONEY. FOR YOUR WILLINGNESS TO BECOME A REPRESENTATIVE PAYEE, I WANT TO THANK YOU FOR SUPPORTING MEMBERS OF THE PUBLIC WHO NEED THIS CRITICAL SUPPORT. I ALSO WANT TO THANK THOSE WHO HAVE COLLABORATED TO DEVELOP THIS INTERDISCIPLINARY TRAINING. TO WELLS FARGO AND THEIR FINANCIAL EDUCATION PROGRAM HANDS ON BANKING, THE NATIONAL ADULT PROTECTIVE SERVICES ASSOCIATION AND RUSH UNIVERSITY, I WANT TO PERSONALLY THANK YOU FOR SUPPORTING THIS EFFORT. EACH OF OUR PARTNERS HAVE WILLINGLY SHARED MATERIALS AND RESOURCES IN SUPPORT OF OUR COLLECTIVE EFFORT TO PROTECT SENIORS AND VULNERABLE ADULTS FROM ELDER ABUSE AND FINANCIAL EXPLOITATION. OUR WORK SUPPORTS THE PRIORITIES OF THE ELDER JUSTICE COORDINATING COUNCIL, AN INTERAGENCY BODY ESTABLISHED AS A RESULT OF THE PASSAGE OF THE ELDER JUSTICE ACT. TOGETHER, THESE AGENCIES AND OUR COMMUNITY PARTNERS ARE WORKING TO STRENGTHEN THE SAFETY NET OF PROTECTION FOR SENIORS AND VULNERABLE ADULTS. BUT WE COULD NOT ACHIEVE OUR GOALS WITHOUT REPRESENTATIVE PAYEES LIKE YOU WHO ARE WILLING TO SUPPORT THE NEEDS OF OTHERS. SO AGAIN, THANK YOU FOR MAKING THE CHOICE TO BECOME A REPRESENTATIVE PAYEE. AND ENJOY THIS TRAINING!>>HI. AND WELCOME TO THIS REPRESENTATIVE PAYEE TECHNICAL TRAINING. I’M ANA OBREBSKI, A HUMAN RESOURCE SPECIALIST AT THE SOCIAL SECURITY ADMINISTRATION, OR SSA. AND HERE WITH ME IS CHARMAINE GIBSON WHO IS ALSO A HUMAN RESOURCES SPECIALIST AT SSA. HI, CHARMAINE. THANKS FOR JOINING ME TODAY.>>HI, ANA. THANK YOU FOR HAVING ME.>>AND AS YOU CAN SEE, WE’RE AT THE REPRESENTATIVE PAYEE TRAIN STATION. SINCE YOU HAVE GRACEFULLY VOLUNTEERED TO SERVE AS A REP PAYEE, YOU’LL BE TAKING A NICE TRAIN RIDE TO LEARN EVERYTHING THERE IS TO KNOW ABOUT BECOMING A REP PAYEE. SO GET ON THE TRAIN AND ENJOY THE RIDE!>>WE’LL CONCENTRATE ON INDIVIDUAL REP PAYEES FOR THE ELDERLY AND VULNERABLE ADULTS. WE HAVE ADDITIONAL TRAINING FOR ORGANIZATIONAL PAYEES AND PAYEES FOR CHILDREN. YOUR STOPS TODAY ARE: THE PROGRAMS ADMINISTERED BY SSA; WHO NEEDS A REP PAYEE; DUTIES AND RESPONSIBILITIES OF REP PAYEES; AND HOW TO USE THE BENEFITS.>>AT EACH STOP, WE’LL BE GIVING YOU KNOWLEDGE CHECKPOINT QUESTIONS TO MAKE SURE YOU UNDERSTAND THE MATERIAL THAT HAS BEEN PRESENTED. IN ADDITION, AT THE END OF THE PRESENTATION, WE’LL GIVE YOU THE WEBSITE WHERE YOU CAN FIND ALL THE PUBLICATIONS AND OTHER RESOURCES TO HELP YOU MAKE YOUR JOB AS A REP PAYEE MUCH EASIER.>>ANA, IT LOOKS LIKE THE TRAIN IS APPROACHING THE FIRST STOP, THE PROGRAMS ADMINISTERED BY SSA.>>IT SURE DOES. ENJOY. I WILL BE RIGHT HERE WAITING FOR YOU. [ BELL CHIMING ]>>[ VOICEOVER ]: PLEASE STAND CLEAR OF THE DOOR. THANK YOU.>>HI. I’M FELICIA LANE.>>AND I’M CHAD BENNETT. I WILL BE DISCUSSING THE RETIREMENT, SURVIVORS, AND DISABILITY INSURANCE OR RSDI PROGRAM.>>AND I’LL BE DISCUSSING THE OTHER PROGRAM, SUPPLEMENTAL SECURITY INCOME, OR SSI, WHICH PROVIDES INCOME FOR AGED, BLIND, AND DISABLED PERSONS. THIS ONE IS A NEEDS BASED PROGRAM.>>THE RSDI PROGRAM IS THE LARGER OF THE TWO MAJOR BENEFIT PROGRAMS ADMINISTERED BY SSA. MOST PEOPLE REFER TO IT AS THE SOCIAL SECURITY PROGRAM. IT PROVIDES INCOME FOR QUALIFIED WORKERS WHO RETIRE OR BECOME DISABLED AND TO THEIR DEPENDENTS OR SURVIVORS. IT IS AN EARNED BENEFIT. WE PAY SOCIAL SECURITY BENEFITS UNDER TITLE II OF THE SOCIAL SECURITY ACT. THESE PAYMENTS ARE FINANCED THROUGH PAYROLL TAXES FROM EMPLOYEES, EMPLOYERS, AND THE SELF EMPLOYED. THIS TAX IS REFERRED TO AS FICA. AS YOU WORK AND PAY SOCIAL SECURITY TAXES, YOU EARN CREDITS THAT COUNT TOWARD ELIGIBILITY FOR FUTURE SOCIAL SECURITY BENEFITS. TO BE ELIGIBLE TO RECEIVE THESE BENEFITS ON YOUR OWN RECORD, YOU MUST BE AT LEAST 62 YEARS OLD OR DISABLED AND BE INSURED BY HAVING EARNED THE REQUIRED CREDITS. THEY’RE PAID ON THE 2ND, 3RD, OR 4TH WEDNESDAY, DEPENDING ON THE BENEFICIARY’S DATE OF BIRTH. THERE ARE THREE DIFFERENT TYPES OF PAYMENTS UNDER RSDI. THEY ARE RETIREMENT, SURVIVORS, AND DISABILITY BENEFITS. RETIREMENT BENEFITS ARE PAYABLE AT FULL RETIREMENT AGE, AND A REDUCED BENEFIT IS AVAILABLE AS EARLY AS AGE 62. FULL RETIREMENT AGE IS 65 FOR WORKERS BORN BEFORE 1938 AND GRADUALLY INCREASES UNTIL IT REACHES 67 FOR WORKERS BORN IN 1960 OR LATER. SURVIVORS BENEFITS ARE PAID IF THE WORKER DIES. CERTAIN FAMILY MEMBERS MAY BE ELIGIBLE FOR BENEFITS IF THE WORKER EARNED ENOUGH SOCIAL SECURITY CREDITS. AND DISABILITY BENEFITS ARE PAYABLE AT ANY AGE TO WORKERS AND QUALIFIED DEPENDENTS WHO HAVE ENOUGH SOCIAL SECURITY CREDITS AND WHO SUFFER A PHYSICAL OR A MENTAL CONDITION THAT PREVENTS THEM FROM PERFORMING ANY SIGNIFICANT KIND OF WORK FOR AT LEAST 12 CONTINUOUS MONTHS OR RESULTS IN DEATH.>>SSI IS A FEDERAL INCOME MAINTENANCE PROGRAM DESIGNED TO PROVIDE CASH ASSISTANCE FOR THE AGED, BLIND, OR DISABLED PERSONS WITH LITTLE OR NO INCOME OR RESOURCES. SSI PAYMENTS ARE PAID UNDER TITLE XVI OF THE SOCIAL SECURITY ACT AND ARE FINANCED FROM THE FEDERAL GENERAL REVENUES AND NOT FROM SOCIAL SECURITY TAXES. TO BE ELIGIBLE, AN INDIVIDUAL MUST BE A RESIDENT OF THE UNITED STATES, INCLUDING THE DISTRICT OF COLUMBIA AND THE NORTHERN MARIANNA ISLANDS OR A LEGALLY ADMITTED ALIEN AND BE AGE 65 OR OLDER, BLIND, OR DISABLED AND HAVE LIMITED INCOME AND RESOURCES. SSI ISN’T JUST FOR ADULTS. CHILDREN CAN ALSO RECEIVE SSI IF THEY’RE BLIND OR DISABLED. HOWEVER, FOR THEM, WE HAVE TO COUNT THEIR PARENTS’ INCOME AND RESOURCES. SSI RECIPIENTS RECEIVE THEIR PAYMENTS ON THE FIRST OF THE MONTH. AND THE CHECK AMOUNT MAY VARY, DEPENDING ON WHAT STATE THE INDIVIDUAL LIVES IN. UNLIKE SOCIAL SECURITY, THE LAW REQUIRES THAT WE REGULARLY REVIEW EACH CASE TO INSURE CONTINUED ELIGIBILITY FOR AN SSI PAYMENT AND THE PAYMENT IS CORRECT. THIS REVIEW IS CALLED A REDETERMINATION OR RZ. FOR AN RZ, WE’LL ASK THE RECIPIENT OR REPRESENTATIVE PAYEE TO PROVIDE INFORMATION ABOUT INCOME, BANK ACCOUNTS, RESOURCES, AND LIVING ARRANGEMENTS. THESE RZs CAN BE CONDUCTED BY MAIL, OVER THE PHONE, OR IN PERSON. NOW, SSA WILL NOTIFY THE RECIPIENT OR REP PAYEE WHEN AN RZ IS DUE. CHAD AND I ALSO WANT TO DISCUSS THE EVENTS THAT MIGHT AFFECT ENTITLEMENT TO SSI. NOW, THIS IS DIFFERENT THAN SOCIAL SECURITY DISABILITY BECAUSE IT IS BASED ON NEED.>>YES, ABSOLUTELY. HOWEVER, THERE ARE SOME EVENTS THAT AFFECT BOTH PROGRAMS. WHY DON’T WE DISCUSS THOSE FIRST.>>GOOD IDEA.>>THE EVENTS THAT AFFECT BOTH PROGRAMS ARE IF THE MEDICAL CONDITION IMPROVES, ANY WORK CHANGES SUCH AS STARTING OR STOPPING WORK, AND INCARCERATION.>>RIGHT. AND FOR SSI, MARITAL STATUS CHANGES, FOR EXAMPLE, MARRIAGE, DIVORCE, OR AN ANNULMENT OF MARRIAGE; CHANGES IN HOUSEHOLD, FOR EXAMPLE, IF THE RECIPIENT MOVES OR SOMEONE MOVES IN OR OUT OF THE PLACE WHERE THE RECIPIENT LIVES; OR CHANGES IN INCOME OR RESOURCES.>>THAT’S RIGHT. AND FAILURE TO REPORT THESE CHANGES PROMPTLY TO SSA AND TO PROMPTLY RETURN ANY BENEFIT CHECK THAT THE RECIPIENT MAY NO LONGER BE ENTITLED TO MAY RESULT IN AN OVERPAYMENT THAT MUST BE REPAID. YOU CAN MAKE YOUR REPORTS BY TELEPHONE, MAIL, OR IN PERSON, WHICHEVER YOU PREFER. SSA WILL ADVISE YOU WHETHER ANY ADDITIONAL EVIDENCE IS NEEDED AND HOW THE BENEFITS MAY BE AFFECTED.>>EXACTLY. THIS IS WHY IT’S VERY IMPORTANT THAT YOU KEEP SSA INFORMED OF ANY CHANGES.>>AS PROMISED, HERE ARE THE FIRST SET OF QUESTIONS.>>GOOD LUCK.>>QUESTION ONE, WHAT ARE THE THREE TYPES OF PAYMENTS UNDER RSDI? A, DISABILITY; B, RETIREMENT; C, PENSION; D, SURVIVORS? THE CORRECT ANSWERS ARE A, B, AND D, DISABILITY, RETIREMENT, AND SURVIVORS. QUESTION TWO, SSI PAYMENTS ARE MADE WITH SOCIAL SECURITY TAXES; TRUE OR FALSE? THE CORRECT ANSWER IS FALSE. SSI PAYMENTS ARE PAID UNDER TITLE XVI OF THE SOCIAL SECURITY ACT AND ARE FINANCED FROM THE FEDERAL GENERAL REVENUES AND NOT FROM SOCIAL SECURITY TAXES. QUESTION THREE, WHICH OF THE FOLLOWING CHANGES AFFECT SSI ONLY? A, MARITAL STATUS; B, INCOME OR RESOURCES; C, WORK; D, INCARCERATION; E, HOUSEHOLD, SOMEONE MOVES IN OR OUT OF THE HOUSEHOLD? THE CORRECT ANSWERS ARE A, B, AND E. ANY WORK CHANGES OR INCARCERATION HAVE TO BE REPORTED FOR BOTH PROGRAMS.>>WELCOME BACK. OKAY. AS YOU APPROACH YOUR NEXT STOP, WHO NEEDS A REP PAYEE, CHARMAINE AND I WILL TALK TO YOU ABOUT THE ACTUAL PROGRAM. CHARMAINE, WHY WAS THIS PROGRAM CREATED?>>IT WAS CREATED TO ASSIST THE MOST VULNERABLE MEMBERS OF SOCIETY; THE YOUNG, THE ELDERLY, AND THE DISABLED WHO ARE NOT CAPABLE OF MANAGING OR DIRECTING SOMEONE ELSE TO MANAGE THEIR BENEFITS. WHILE MOST PEOPLE RECEIVE THEIR BENEFITS DIRECTLY, OTHERS NEED ASSISTANCE. AND THIS PROGRAM WORKS BEST WHEN THERE’S COLLABORATION BETWEEN SSA, THE PAYEE, AND THE BENEFICIARY. AND BY PROVIDING REP PAYEES WITH A CLEAR UNDERSTANDING OF THEIR ROLE AND PROVIDING SUPPORT TO EXECUTE THEIR DUTIES, WE CAN INSURE THAT BENEFITS ARE USED IN THE BEST INTEREST OF OUR BENEFICIARIES.>>THAT’S RIGHT. AND THERE ARE TWO TYPES OF REP PAYEES.>>RIGHT.>>AND THEY ARE?>>WELL, BASICALLY, THEY ARE INDIVIDUAL AND ORGANIZATIONAL. AN INDIVIDUAL REP PAYEE IS A PERSON, USUALLY A FAMILY MEMBER OR FRIEND, WHOM THE BENEFICIARY TRUSTS WITH HIS OR HER FINANCES. THIS INCLUDES A PARENT SERVING AS PAYEE FOR HIS OR HER MINOR CHILD. AND AN ORGANIZATIONAL PAYEE IS AN ORGANIZATION, OFTEN ONE WHICH PROVIDES CARE AND TREATMENT FOR BENEFICIARIES WHO RESIDE IN THE INSTITUTION OR IN OFF-SITE FACILITIES AFFILIATED WITH THE INSTITUTION, FOR EXAMPLE, NURSING HOMES, HOSPITALS, GROUP HOME, OR A HALF-WAY HOUSE.>>YES. AND IN THIS VIDEO, WE’RE CONCENTRATING ON INDIVIDUAL PAYEES. IF YOU ARE AN ORGANIZATION APPLYING TO BE A PAYEE, PLEASE WATCH THE VIDEO ON ORGANIZATIONAL PAYEES. NOW, SINCE YOU ARE ABOUT TO ARRIVE TO YOUR SECOND STOP, LET’S TALK ABOUT WHO NEEDS A REP PAYEE FOR SSA. CHARMAINE, HOW IS THIS DECIDED?>>WELL, REP PAYEES ARE ASSIGNED TO BENEFICIARIES WHO FALL INTO THREE BASIC CATEGORIES: CHILDREN — ALMOST ALL CHILDREN UNDER AGE 18 HAVE PAYEES. THEN THERE’S BENEFICIARIES DETERMINED BY A COURT OF LAW TO BE LEGALLY INCOMPETENT. AND AS I MENTIONED EARLIER, BENEFICIARIES DETERMINED BY SSA TO BE INCAPABLE OF MANAGING OR DIRECTING THE MANAGEMENT OF THEIR MONEY.>>SO CAN ANYONE WHO WANTS PAYEE HAVE A PAYEE? WHAT I MEAN IS, CAN SOMEONE HAVE A PAYEE SIMPLY BECAUSE IT’S EASIER FOR THEM?>>NO, ANA. REPRESENTATIVE PAYMENT IS NOT A CONVENIENCE. WE SELECT A PAYEE WHEN SOMEONE IS NOT ABLE TO MANAGE OR DIRECT THE MANAGEMENT OF THEIR FINANCES BECAUSE OF THEIR AGE OR MENTAL OR PHYSICAL IMPAIRMENT.>>OKAY.>>WE WILL NEVER APPOINT A REPRESENTATIVE PAYEE SOLELY FOR A BENEFICIARY’S CONVENIENCE OR THEIR PERSONAL PREFERENCE.>>OKAY. NOW, YOU SHOULD REPORT TO US IF A BENEFICIARY’S RECEIVING THEIR SOCIAL SECURITY OR SSI PAYMENTS DIRECTLY AND YOU BELIEVE THEY HAVE LOST THE ABILITY TO MANAGE THEIR MONEY. AND WE’LL DETERMINE IF THE BENEFICIARY IS INCAPABLE AND APPOINT A PAYEE AS APPROPRIATE.>>THAT’S RIGHT. AND ON THE OTHER HAND, IF YOU ARE THE PAYEE FOR SOMEONE WHO IS SHOWING SIGNS OF IMPROVEMENT AND YOU THINK HE OR SHE MAY BE ABLE TO MANAGE THEIR OWN MONEY, REPORT IT TO US AS WELL. RIGHT?>>OH, YES. ABSOLUTELY. AND AGAIN, WE’LL SCHEDULE AN INTERVIEW WITH THE BENEFICIARY TO DETERMINE WHETHER HE OR SHE IS NOW CAPABLE OF HANDLING HIS OR HER OWN PAYMENTS.>>OKAY. NOW, HOW ABOUT IF SOMEONE HAS POWER OF ATTORNEY? DOES THAT ENTITLE THEM TO BE REP PAYEE FOR THAT INDIVIDUAL?>>NO. FOR SOCIAL SECURITY PURPOSES, HAVING POWER OF ATTORNEY OR A JOINT BANK ACCOUNT WITH THE BENEFICIARY IS NOT THE SAME THING AS BEING A REPRESENTATIVE PAYEE. NOW, ALTHOUGH HAVING A POWER OF ATTORNEY MAY BE A CONVENIENT WAY TO PAY BILLS AND HANDLE SOME LEGAL MATTERS, IT DOES NOT INCLUDE PROVISIONS FOR THE RESPONSIBILITY AND ACCOUNTABILITY THAT SOCIAL SECURITY REQUIRES OF ITS PAYEES.>>OKAY. SO EVEN IF YOU HAVE POWER OF ATTORNEY, YOU MUST APPLY TO BE A REP PAYEE WITH SOCIAL SECURITY.>>YES, EXACTLY.>>OKAY. NOW, LET’S HAVE A QUICK DISCUSSION ON HOW SSA SELECTS A PAYEE. SSA GIVES SPECIAL ATTENTION TO THOSE VULNERABLE BENEFICIARIES WHO HAVE NO RELATIVES OR CLOSE FRIENDS TO ASSIST THEM IN THE DAY TO DAY MANAGEMENT OF THEIR LIVES. WE HAVE TO BE VERY, VERY CAREFUL IN DETERMINING AND SELECTING A PAYEE FOR THOSE BENEFICIARIES, RIGHT?>>YES. WE INVESTIGATE A REPRESENTATIVE. DURING FACE-TO-FACE INTERVIEW, WE’LL ASK QUESTIONS TO DETERMINE THE SUITABILITY OF THE PAYEE, MUCH LIKE THESE…>>GOOD MORNING, MR. AND MRS. SPENCER.>>GOOD MORNING.>>GOOD MORNING, MR. MORALES.>>MS. SPENCER, YOU’RE HERE TO APPLY TO BE A PAYEE FOR YOUR HUSBAND SCOTT, RIGHT?>>YES, I AM.>>VERY WELL. DO YOU HAVE IDENTIFICATION WITH YOU, A DRIVER’S LICENSE OR PASSPORT?>>YES, I DO. HERE YOU GO.>>THANK YOU. IS MR. SPENCER LIVING WITH YOU?>>OF COURSE I AM.>>UNFORTUNATELY, YES, HE IS.>>OH, SHE TAKES GOOD CARE OF ME.>>GOOD. HAVE YOU ESTABLISHED A SEPARATE BANK ACCOUNT FOR THESE PAYMENTS?>>YES. I FOLLOWED YOUR INSTRUCTIONS AND OPENED A SEPARATE ACCOUNT FOR HIS SSI CHECKS.>>FANTASTIC. NOW, BEFORE I TAKE THE APPLICATION, LET ME EXPLAIN WHAT YOUR RESPONSIBILITIES WILL BE AS A PAYEE.>>GOOD MORNING, MS. CHARLES.>>GOOD MORNING, MR. ROMANO.>>I SEE YOU BROUGHT SOMEONE WITH YOU TO BE YOUR REPRESENTATIVE PAYEE AND HELP YOU MANAGE YOUR MONEY.>>YES. THIS IS MY GOOD FRIEND, MS. OLIVIA FRAZIER. WE ARE LIKE SISTERS.>>OH YES, WE ARE. GOOD MORNING, MR. ROMANO.>>NICE MEETING YOU. LET ME ASK YOU A FEW QUESTIONS BEFORE WE START THE APPLICATION.>>SURE, NO PROBLEM.>>HOW LONG HAVE YOU KNOWN MS. CHARLES?>>OH, WOW. WELL, WE WERE NEIGHBORS GROWING UP, AND SHE HELPED THROUGH A LOT DURING MY TEENAGE YEARS. WE HAVE STAYED CLOSE EVER SINCE.>>GREAT. ARE YOU CURRENTLY EMPLOYED?>>OH, YES. I’VE BEEN WORKING FOR THE SAME COMPANY FOR 22 YEARS.>>VERY GOOD. HOW OFTEN DO YOU SEE OR COMMUNICATE WITH MS. CHARLES?>>BELIEVE IT OR NOT, WE ARE STILL NEIGHBORS. I TAKE CARE OF MY MOM WHO LIVES NEXT DOOR TO MS. CHARLES, SO I SEE HER EVERY DAY.>>ALL RIGHT. MS. CHARLES, YOU FOUND A GREAT PERSON TO BE YOUR PAYEE. LET’S BEGIN WITH THE APPLICATION.>>IN THIS EXAMPLE, THE CRs WERE GATHERING VERY IMPORTANT INFORMATION TO HELP DETERMINE THE SUITABILITY OF THE APPLICANTS.>>YES. EVEN IF IT TAKES A LITTLE LONGER, WE WANT TO MAKE SURE WE SELECT THE MOST APPROPRIATE PAYEE FOR THE RECIPIENT.>>RIGHT. NOW, SAY A RECIPIENT HAS A PAYEE AND SOMEONE ELSE COMES IN TO FILE TO BE A PAYEE FOR THAT SAME RECIPIENT. DOES SSA NOTIFY THE CURRENT PAYEE?>>YES, WE DO. AND IN ADDITION, WE’LL INVESTIGATE THOROUGHLY ANY ALLEGATIONS OR QUESTIONS RAISED ABOUT THE CURRENT PAYEE’S CONTINUED SUITABILITY TO SERVE BEFORE DETERMINING IF WE NEED TO CHANGE THE PAYEE. SSA WILL SEND A NOTICE ADVISING THAT PAYEE IF AND WHEN THE CHANGE IS PROCESSED.>>ALL RIGHT. CAN YOU HEAR THAT?>>I HEAR IT.>>IT SOUNDS LIKE YOU ARE ARRIVING AT YOUR SECOND STOP.>>YES. SO THAT MEANS IT’S TIME FOR A FEW MORE QUESTIONS. HERE YOU GO! [ HORN HONKING ]>>WHAT ARE THE TWO TYPES OF REP PAYEES? A, INDIVIDUAL AND COLLECTIVE; B, INDIVIDUAL AND ORGANIZATIONAL; C, DEDICATED AND ORGANIZATIONAL; D, NONE OF THE ABOVE? THE CORRECT ANSWER IS B, INDIVIDUAL AND ORGANIZATIONAL. QUESTION TWO, AS A PAYEE, YOU SHOULD REPORT TO SSA IF A BENEFICIARY HAS THE ABILITY TO MANAGE HIS OR HER MONEY. TRUE OR FALSE? THE CORRECT ANSWER IS TRUE. QUESTION THREE. IF A BENEFICIARY HAS A POWER OF ATTORNEY, THE POWER OF ATTORNEY IS AUTOMATICALLY A REP PAYEE. TRUE OR FALSE? THE CORRECT ANSWER IS FALSE. SSA DOES NOT RECOGNIZE POWER OF ATTORNEY. A POWER OF ATTORNEY MUST APPLY TO BE A REP PAYEE.>>WELCOME BACK. I’M SURE YOU WERE ABLE TO ANSWER THOSE QUESTIONS WITHOUT ANY PROBLEMS. NOW, MOVING RIGHT ALONG TO DUTIES AND RESPONSIBILITIES OF A REP PAYEE.>>A REP PAYEE’S PRIMARY RESPONSIBILITY IS TO USE THE PAYMENTS IN THE BENEFICIARY’S BEST INTEREST. THIS IS BY MAKING SURE THAT THE BENEFICIARY’S CURRENT AND FORESEEABLE NEEDS ARE BEING MET.>>NOW, CHARMAINE, WHAT DO YOU MEAN BY CURRENT AND FORESEEABLE?>>NOW, THAT’S A GOOD QUESTION, ANA. IT MEANS PRIMARILY FOOD, SHELTER, CLOTHING, AND MEDICAL EXPENSES NOT COVERED BY MEDICARE OR MEDICAID OR PROVIDED BY A RESIDENTIAL INSTITUTION. NOW, IF THE BENEFICIARY IS IN A RESIDENTIAL INSTITUTION, THE PAYEE IS RESPONSIBLE FOR USING SOCIAL SECURITY FUNDS TO PAY THE INSTITUTION’S FEES. AND ONCE THESE NEEDS ARE SATISFIED, THE PAYEE CAN CONSERVE THE MONEY IN A CHECKING OR SAVINGS ACCOUNT FOR THE BENEFICIARY. YOU MAY ALSO USE THE REMAINING FUNDS FOR THE BENEFICIARY’S PERSONAL COMFORT ITEMS, RECREATION, AND MISCELLANEOUS EXPENSES.>>MISCELLANEOUS. CAN YOU GIVE US SOME EXAMPLE OF MISCELLANEOUS EXPENSES?>>SURE. THINGS LIKE HEALTH AND HYGIENE ITEMS, HOME FURNISHINGS, TRANSPORTATION EXPENSES, HOBBY AND CRAFT ITEMS, AND THERAPEUTIC EQUIPMENT RECOMMENDED BY A DOCTOR OR APPROPRIATE THERAPIST AND NOT COVERED BY ANY OTHER SOURCE.>>NOW, CAN THE MONEY BE USED FOR OTHER MEMBERS OF THE FAMILY?>>THAT’S ANOTHER GOOD QUESTION. YOU CAN USE RETIREMENT AND TITLE II DISABILITY FUNDS FOR LEGAL DEPENDENTS, BUT NOT SSI FUNDS. SSI FUNDS ARE JUST FOR THE RECIPIENT’S EXPENSES.>>OKAY. GOOD. NOW, ANOTHER IMPORTANT ASPECT OF A REP PAYEE IS REPORTING CHANGES ON TIME. RIGHT?>>YOU GOT THAT RIGHT. LIKE CHAD STATED EARLIER, IF CHANGES ARE NOT REPORTED TIMELY, AN OVERPAYMENT CAN OCCUR. AND ALL THE OVERPAID MONEY WILL HAVE TO BE RETURNED TO SSA. IT’S IMPERATIVE THAT THESE EVENTS ARE REPORTED TO US IMMEDIATELY. WHY DON’T WE GO BACK TO CHAD AND FELICIA SO THEY CAN DISCUSS THIS FURTHER.>>SOUNDS GOOD.>>SOME OF THE REPORTING RESPONSIBILITIES ARE THE BENEFICIARY MOVES, STARTS OR STOPS WORKING, OR MARRIES, DIVORCES, OR HAS A MARRIAGE ANNULLED, AS WE ALREADY STATED, AS WELL AS THE BENEFICIARY OR THE BENEFICIARY’S SPOUSE DIES, YOU ARE UNABLE TO CONTACT OR LOCATE THE BENEFICIARY, THE BENEFICIARY’S NAME CHANGES, CONDITIONS IMPROVE, OR HE OR SHE LEAVES OR PLANS TO LEAVE THE U.S. FOR 30 CONSECUTIVE DAYS OR MORE, THE BENEFICIARY’S IMMIGRATION OR CITIZENSHIP STATUS CHANGES, THE BENEFICIARY IS CONFINED TO A CORRECTIONAL INSTITUTION OR HAS AN UNSATISFIED WARRANT OR THE BENEFICIARY NO LONGER NEEDS A PAYEE.>>NOW, SINCE SSI IS BASED ON NEED, YOU MUST ALSO REPORT THESE EVENTS: IF THE BENEFICIARY ACQUIRES OR ACCUMULATES COUNTABLE RESOURCES THAT EXCEED $2,000 FOR AN INDIVIDUAL OR $3,000 FOR A COUPLE; THE BENEFICIARY MOVES, EVEN TEMPORARILY, TO OR FROM A HOSPITAL, NURSING HOME, OR OTHER INSTITUTION; A MARRIED BENEFICIARY SEPARATES FROM HIS OR HER SPOUSE, OR THEY BEGIN LIVING TOGETHER AFTER A SEPARATION; SOMEONE MOVES INTO OR OUT OF THE BENEFICIARY’S HOUSEHOLD; THE BENEFICIARY GIVES BIRTH TO A CHILD; THE BENEFICIARY HAS ANY CHANGE IN WAGES OR GOVERNMENT PAYMENTS; OR THE BENEFICIARY OR THE BENEFICIARY’S CHILD STOPS OR STARTS RECEIVING A PENSION OR OTHER INCOME OF ANY KIND. OKAY. THAT’S IT FOR US.>>NOW, CHARMAINE, I REALLY, REALLY THINK THIS IS PROBABLY THE MOST IMPORTANT PART OF THE TRAINING.>>I AGREE. AND TO REPORT CHANGES, YOU CAN CALL OUR TOLL-FREE NUMBER AT 1-800-772-1213 OR CALL, FAX, OR VISIT YOUR LOCAL SOCIAL SECURITY OFFICE. NOW, WHEN YOU CONTACT US, YOU MUST HAVE ON HAND THE BENEFICIARY’S NAME, SOCIAL SECURITY NUMBER, DATE AND PLACE OF BIRTH, MAILING ADDRESS, AND ONE OTHER UNIQUE IDENTIFIER SUCH AS BENEFIT AMOUNT.>>AND BESIDES THE REGULAR ITEMS THAT YOU MUST REPORT, WE HAVE ANNUAL REPORTS THAT YOU MUST COMPLETE. AT LEAST ONCE PER YEAR, WE WILL ASK YOU TO REPORT ON HOW YOU USED OR SAVED THE BENEFITS YOU RECEIVED. THEREFORE, YOU MUST KEEP RECORDS OF DEPOSITS AND EXPENSES.>>THAT’S RIGHT. IF YOU’RE RESPONSIBLE FOR MORE THAN ONE BENEFICIARY, YOU MUST KEEP SEPARATE RECORDS FOR EACH BENEFICIARY FOR WHOM YOU ARE PAYEE FOR AT LEAST TWO YEARS. YOU MUST KEEP RECORDS OF ALL PAYMENTS WE MAKE TO YOU, ALL BANK STATEMENTS, AND RECEIPTS OR CANCELED CHECKS FOR RENT, UTILITIES, AND ANY OTHER MAJOR PURCHASES MADE FOR THE BENEFICIARY.>>OKAY. I KNOW THERE ARE SOME RESTRICTIONS TO WHAT YOU CAN DO AS A PAYEE.>>YES. WE APPOINT A PAYEE TO MANAGE SOCIAL SECURITY AND SSI BENEFITS ONLY. NOW, BEING A PAYEE DOES NOT GIVE YOU AUTHORITY FOR ANYTHING ELSE RELATED TO THE BENEFICIARY OR RECIPIENT. YOU KNOW, HERE’S A LIST OF THINGS YOU CANNOT DO AS A PAYEE:>>MANAGE OR CONTROL THE BENEFICIARY’S NON-SOCIAL SECURITY INCOME — THESE ARE WAGES, PENSIONS, DIVIDENDS, OR ANY INCOME FROM SOURCES OTHER THAN SOCIAL SECURITY OR SSI BENEFITS; USE THE BENEFITS FOR ANYTHING OTHER THAN THE BENEFICIARY’S NEEDS; SPEND THE FUNDS IN A WAY THAT WOULD LEAVE THE BENEFICIARY WITHOUT NECESSARY ITEMS OR SERVICES — THAT INCLUDES HOUSING, FOOD, CLOTHING, MEDICAL CARE, ET CETERA; DEPOSIT THE BENEFITS IN YOURS OR ANOTHER PERSON’S ACCOUNT, UNLESS YOU ARE A PARENT OR A SPOUSE OR IN YOUR ORGANIZATION’S OPERATING ACCOUNT; KEEP THE BENEFICIARY’S CONSERVED FUNDS IF YOU ARE NO LONGER THE PAYEE; CHARGE THE BENEFICIARY FOR PAYEE SERVICES UNLESS THE ORGANIZATION HAS OUR WRITTEN AUTHORIZATION TO DO THIS; MAKE MEDICAL DECISIONS FOR THE BENEFICIARY; SIGN LEGAL DOCUMENTS ON BEHALF OF THE BENEFICIARY; OR LEND THE FUNDS TO ANYONE ELSE, INCLUDING OTHER BENEFICIARIES YOU SERVE — THIS INCLUDES USING FUNDS HELD IN A COLLECTIVE ACCOUNT TO MAKE UP A SHORTFALL WHEN ANOTHER BENEFICIARY’S EXPENSES EXCEED HIS OR HER OWNERSHIP INTEREST IN THE ACCOUNT. AND YOU MUST NEVER SACRIFICE A BENEFICIARY’S NEEDS TO PAY OTHER EXPENSES, A PASS DEBT, OR TO ACCUMULATE CONSERVED FUNDS.>>AND HERE YOU ARE. YOU’VE ARRIVED AT THE DUTIES AND RESPONSIBILITIES OF A REP PAYEE STATION.>>TAKE A FEW MINUTES TO ANSWER THE NEXT SET OF QUESTIONS. GOOD LUCK! [ HORN HONKING ]>>IF YOU DETECT ELDER ABUSE OR NEGLECT, WHAT ORGANIZATION SHOULD YOU CONTACT FIRST? A, FEDERAL BUREAU OF INVESTIGATION, FBI; B, SOCIAL SECURITY ADMINISTRATION, OR SSA; C, ADULT PROTECTIVE SERVICES OR APS; OR D, INTERNAL REVENUE SERVICE, OR IRS? THE CORRECT ANSWER IS C. YOU MUST FIRST CONTACT ADULT PROTECTIVE SERVICE OR APS. QUESTION 2: YOU CAN REPORT CHANGES TO SSA BY CALLING OUR TOLL-FREE NUMBER OR CALLING, FAXING, OR VISITING A LOCAL SOCIAL SECURITY OFFICE. TRUE OR FALSE? THE CORRECT ANSWER IS TRUE. YOU MAY CALL OUR TOLL-FREE NUMBER, 1-800-772-1213, OR CONTACT ONE OF OUR SOCIAL SECURITY OFFICES.>>VERY GOOD. YOU’RE ALMOST THERE. YOU’RE ON YOUR WAY TO THE FINAL STOP, HOW TO USE THE BENEFITS. LET’S GO OUTSIDE TO KRISTIE BOUTTÉ SO SHE CAN TALK TO YOU ABOUT HOW TO USE THE BENEFITS. [ HORN HONKING ].>>AS PREVIOUSLY STATED, A REP PAYEE’S PRIMARY RESPONSIBILITY IS TO ENSURE THE BENEFICIARY’S CURRENT NEEDS ARE MET. YOU MUST NEVER SACRIFICE A BENEFICIARY’S NEEDS TO PAY OTHER EXPENSES, A PAST DEBT, OR TO ACCUMULATE CONSERVED FUNDS. SOCIAL SECURITY AND SSI PAYMENTS ARE GENERALLY EXEMPT FROM SEIZURE BY CREDITORS. BUT IF THE FAILURE TO PAY AN OLD DEBT COULD RESULT IN NEGATIVE CONSEQUENCES LIKE HOMELESSNESS, THEN YOU SHOULD DO YOUR BEST TO SETTLE THE DEBTS. FOR VARIOUS REASONS, A BENEFICIARY MIGHT RECEIVE A LARGE PAYMENT, COVERING SEVERAL MONTHS OR EVEN YEARS OF PAST DUE BENEFITS. IF THIS HAPPENS, YOUR FIRST RESPONSIBILITY IS TO INSURE THE BENEFICIARY’S CURRENT AND FORESEEABLE NEEDS ARE MET. FUNDS NOT NEEDED FOR THE BENEFICIARY’S CURRENT MAINTENANCE MAY BE DEPOSITED IN AN INTEREST BEARING OR DIVIDEND BEARING ACCOUNT IN A BANK, TRUST COMPANY, CREDIT UNION, OR SAVINGS AND LOAN ASSOCIATION THAT IS INSURED UNDER EITHER FEDERAL OR STATE LAW. ANY INTEREST EARNED BELONGS TO THE BENEFICIARY AND NOT TO THE PAYEE. REMEMBER, FOR SOCIAL SECURITY, NOT SSI, BENEFICIARIES LIVING IN AN INSTITUTION WHOSE CURRENT MAINTENANCE NEEDS ARE BEING MET, YOU MAY USE PART OF THE FUNDS TO SUPPORT THE BENEFICIARY’S LEGALLY DEPENDENT SPOUSE, CHILD, OR PARENT. HOWEVER, YOU SHOULD CONTACT SOCIAL SECURITY BEFORE DOING SO. YOU MAY ALSO REIMBURSE YOURSELF FROM THE BENEFICIARY FUNDS FOR ACTUAL EXPENSES INCURRED IN PROVIDING SERVICES FOR THE BENEFICIARY. SOME TYPICAL REIMBURSABLE EXPENSES ARE THE COST OF MONEY ORDERS, TRANSPORTATION COSTS, ET CETERA. TO CLAIM A REIMBURSEMENT, YOU MUST KEEP RECORDS OF YOUR EXPENSES AND YOU MUST CONTACT SSA FIRST. THAT’S IT FOR ME. BACK TO YOU, ANA.>>THANKS, KRISTIE. LET’S TALK A LITTLE BIT ABOUT DIRECT DEPOSIT. A LAW WENT INTO EFFECT MARCH 1, 2013, REQUIRING EVERYONE TO RECEIVE THEIR SOCIAL SECURITY AND SSI PAYMENTS ELECTRONICALLY.>>RIGHT. NOW, THERE ARE DIFFERENT ACCOUNTS THAT CAN BE USED SUCH AS DEDICATED ACCOUNTS, COLLECTIVE ACCOUNTS, AND REGULAR CHECKING AND SAVINGS ACCOUNTS. NOW, DEDICATED ACCOUNTS ARE FOR DISABLED AND BLIND CHILDREN. WE WON’T BE DISCUSSING IT DURING THIS TRAINING, BUT IT WILL BE IN THE VIDEOS DEDICATED TO PAYEE’S FOR CHILDREN. NOW, BOTH INDIVIDUAL AND ORGANIZATIONAL PAYEES CAN USE COLLECTIVE ACCOUNTS. INSTITUTIONS, AGENCIES, AND INDIVIDUALS WHO SERVE AS REPRESENTATIVE PAYEES FOR A LARGE NUMBER OF BENEFICIARIES OFTEN ASK SSA IF THEY CAN HOLD SOCIAL SECURITY OR SSI BENEFIT PAYMENTS IN ONE’S SAVINGS OR CHECKING ACCOUNT.>>RIGHT. NOW, USING COLLECTIVE ACCOUNTS MAY REDUCE A PAYEE’S ADMINISTRATIVE BURDEN OF MAINTAINING INDIVIDUAL ACCOUNTS FOR EACH BENEFICIARY. NOW, WHEN OPENING UP A CHECKING OR SAVINGS ACCOUNT FOR YOU AND THE INDIVIDUAL YOU’LL BE A PAYEE FOR, MAKE SURE YOU DON’T MIX MONEY WITH THAT OF THE BENEFICIARIES. THE ACCOUNT SHOULD BE TITLED YOUR NAME, FOR, THE BENEFICIARY’S NAME.>>RIGHT. FOR EXAMPLE, ANA OBREBSKI FOR CHARMAINE GIBSON.>>RIGHT.>>OKAY. I KNOW WE’VE BEEN GIVING YOU A LOT OF INFORMATION ABOUT PAYMENTS, ACCOUNTABILITY, AND RECORD KEEPING. BEING A REP PAYEE IS A HUGE RESPONSIBILITY. THIS INDIVIDUAL IS DEPENDING ON YOU TO MEET THEIR DAILY NEEDS AND INSURE THEIR MONEY IS IN GOOD HANDS AND SPENT THE WAY IT’S SUPPOSED TO BE. WE TAKE THIS AT SSA VERY, VERY SERIOUSLY.>>YES, WE DO. WE REALLY WANT TO THANK YOU FOR TAKING ON THIS HUGE RESPONSIBILITY. BUT ANA, IF YOU DON’T MIND, I’D LIKE TO SHARE WITH THE VIEWERS A FEW IDEAS ON HOW THEY CAN ASSIST THE BENEFICIARIES IN OTHER WAYS.>>OH, ABSOLUTELY. GO RIGHT AHEAD.>>WELL, ACTUALLY, I’LL LET MAURICE GIVE IT TO THEM.>>OKAY.>>MEET REGULARLY WITH THE BENEFICIARY, PREFERABLY FACE TO FACE. ESTABLISH A BUDGET, DISCUSS IT WITH THE BENEFICIARY, AND INVOLVE HIM OR HER AS MUCH AS POSSIBLE IN FINANCIAL DECISIONS. EXPLAIN SOCIAL SECURITY AND OR SSI PAYMENTS AND THE BENEFICIARY’S EXPENSES TO HIM OR HER. ENSURE THAT THE BENEFICIARY IS AWARE OF CURRENT OR LARGE RETROACTIVE PAYMENTS AND WHAT THE BENEFICIARY’S OPTIONS ARE IN REGARDS TO ENTITLEMENT AND OVERPAYMENTS FOR SSI AND OR MEDICAID. HELP THE BENEFICIARY FIND OTHER SERVICES HE OR SHE NEEDS, I.E. FOOD STAMPS, HOUSING SUBSIDIES, ET CETERA. HELP THE BENEFICIARY FILL OUT APPLICATIONS FOR OTHER NEEDED SERVICES, AND COOPERATE WITH CASEWORKERS. HELP THE BENEFICIARY GET MEDICAL TREATMENT WHEN NECESSARY. NEGOTIATE WITH LANDLORDS AND OTHERS TO GET THE BEST POSSIBLE DEAL FOR THE BENEFICIARY. HELP THE BENEFICIARY FILE INCOME TAX RETURNS. NOTE THAT THE BENEFICIARY MAY OWE TAXES ON SOCIAL SECURITY PAYMENTS OR MAY BE DUE A REFUND. ALSO, THE BENEFICIARY MAY BE ENTITLED TO EARNED INCOME TAX CREDIT, EITC, THAT CAN BE PAID THROUGHOUT THE YEAR OR INCLUDED IN THE FEDERAL INCOME TAX CALCULATION. AND RECOMMEND AN ALTERNATIVE PERSON OR AGENCY IF YOU CAN NO LONGER SERVE AS THE REPRESENTATIVE PAYEE.>>EXCELLENT IDEAS. AND GUESS WHAT.>>WHAT?>>WHILE MAURICE WAS GIVING THEM TO YOU, THE TRAIN ARRIVED AT THE FINAL STOP.>>HERE IS YOUR LAST SET OF QUESTIONS.>>QUESTION 1: YOU MUST NEVER SACRIFICE A BENEFICIARY’S NEEDS TO PAY OTHER EXPENSES, A PAST DEBT, OR TO ACCUMULATE CONSERVED FUNDS. TRUE OR FALSE? THE CORRECT ANSWER IS TRUE. NEVER SACRIFICE A BENEFICIARY’S NEEDS TO PAY OTHER EXPENSES. QUESTION TWO: LEFTOVER FUNDS CAN BE DEPOSITED INTO A FINANCIAL INSTITUTION INSURED UNDER FEDERAL OR STATE LAW. TRUE OR FALSE? THE CORRECT ANSWER IS TRUE. LEFTOVER FUNDS CAN BE DEPOSITED IN A BANK ACCOUNT, TRUST COMPANY, CREDIT UNION, OR SAVINGS AND LOAN ASSOCIATION THAT IS INSURED UNDER EITHER A FEDERAL OR STATE LAW.>>NOW YOU KNOW EVERYTHING THERE IS TO KNOW TO BE A SUCCESSFUL AND RESPONSIBLE REP PAYEE.>>CONGRATULATIONS, EVERYONE.>>CHARMAINE, THANK YOU SO MUCH FOR ALL THE INFORMATION.>>NO PROBLEM. THANKS AGAIN FOR HAVING ME.>>AND AGAIN, WE WANT TO THANK YOU FOR YOUR WILLINGNESS TO SERVE AS A REP PAYEE. AS I MENTIONED EARLIER, SSA TAKES THIS RESPONSIBILITY VERY, VERY SERIOUSLY. AND WE’LL STAY ON TOP OF ANY CHANGES OR ISSUES THAT WILL AFFECT THE WELL BEING OF THE BENEFICIARIES. AND AS I PROMISED, YOU CAN FIND ALL THE PUBLICATIONS RELATED TO REP PAYEE, SSA, AND THE PROGRAMS WE ADMINISTER AT WWW.SOCIALSECURITY.GOV/PAYEE.>>THANKS FOR WATCHING.

No Comments

Leave a Reply