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  1. #1
    Join Date
    Jan 2019
    Posts
    2

    Question How May a Representative Payee Spend a Child's Benefits

    Hello members, hope you all doing well. May God bless you all and have a happy new year!

    I want to make sure things are done right way and documented properly. Below is our situation. Please let me know if there is anything else needs to be done.

    I am disabled mother receiving monthly payment for me and my child. I am rep payee for my child.

    My child gets $873 a month. From this most of the amount is spent on his after school care and his health insurance. Below is the break down.

    1. Even though I stay at home, since I do get hospitalized we felt it would be of best interest to have after School care which is $372 per month.
    2. Since I cannot work, my child is on my spouse employer health care insurance.
    Monthly premiums for Employee only is 71.61, Employee+Spouse is 655.07, Empl+Children is 522.90, Emp+Family is $1100
    Based on the above we allocate $450 per month for the child premium.
    We could have gone to lower option which reduces by $100 or so but very less coverage. After going through my health issues we wanted to make sure health insurance is proper.

    That leaves less than $50 to cover for housing, food, utilities and other items. All of them are covered by my spouse. Me and my child share same bank account since he is too young to have his own so transactions get mixed up.

    We always wondered how are other families handling with these expenses? If we get audited are we ok in terms of paper work?

    Sincerely
    Jenny

  2. #2
    Join Date
    Mar 2013
    Posts
    17,223

    Default Re: Representative Payee spending child benefits

    We always wondered how are other families handling with these expenses?
    I'm sure other families have their own way of handling it. What matters is how you handle it and it appears that you are handling it quite well.

    If we get audited are we ok in terms of paper work?
    My two cents worth. Medical insurance and medical costs for a family are a big chunk. You could allocate $50 for medical insurance and the rest for housing, food, utilities and other items and it wouldn't make any difference. The money is going for the support of your child, one way or the other.

    I have absolutely no experience in that area but my gut says you are fine the way you are doing it.

    After all, you aren't using that $873 per month to pay for a Cadillac Escalade or a Rolex, or some such.

  3. #3
    Join Date
    Oct 2006
    Posts
    15,674

    Default Re: Representative Payee spending child benefits

    I agree with AJ. I think that you are handling it just fine.

  4. #4
    Join Date
    Jan 2009
    Location
    California
    Posts
    1,040

    Default Re: Representative Payee spending child benefits

    I think you are doing a great job. I believe SSA has reduced or eliminated rep payee accountings for many payees who are natural parents with custody of the children. So you may not get a request for your documentation. And even then, the basic payee accounting is not all that complicated. I added a link to the employee instructions for what is appropriate and how accountings are evaluated.

    Unless there is evidence to the contrary, SSA generally accepts the accounting forms at face value, although some details might be questioned.

    If you are going to have money left over or saved for some future need, I think a separate savings account would be a good idea. But you are not required to do so.

  5. #5
    Join Date
    Jan 2019
    Posts
    2

    Default Re: Representative Payee spending child benefits

    Thank you Janke, llworking and adjusterjack for taking time and responding.

    You all have a great day!

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