Pre- and Post-Training Questions for the Representative Payee Training

Last Saved On: 8/19/2015 9:12:31 AM
FVer. 2010.1018

VOD Title:

Rep Payee Elder Abuse Technical Training

Delivery:
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Articulate:
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IVT Air Date: Enter Date

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EWD Date (VOD Techs Only): Enter Date

Producer(s): Ana/Charmaine
Client(s):
SME(s):
Talent:
Location in VOD Library (Section and Subsection, if applicable):
Comments:

Note:
For VOD: Submit the final script, graphics, and this cover sheet to the VOD Techs no later than 24 hours before taping begins.
For IVT: Take the script or flash drive to the studio, along with printed copies for the IVT technician.

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(G1-Title Slide)

(CG) Ana Obrebski and
Charmaine Gibson Social
Security Administration

Script

AnaHi and welcome to this Representative Payee Technical
Training. I’m Ana Obrebski, a Human Resources
Specialist at the Social Security Administration or SSA.
Today I’ll be talking with Charmaine Gibson who is also
a Human Resources Specialist at SSA.
Hi Charmaine, thank you for joining me today.
Charmaine – Hi Ana. Thanks for having me.
Ana- Charmaine and I will be taking you on a nice train ride
where you’ll learn EVERYTHING there is to know about
becoming a rep payee.
We’ll concentrate on individual rep payees for the elderly and
vulnerable adults. We have additional training for
organizational payees and payees for children.

(G2- Destinations)

--Our destinations are:

(p) The programs..



The programs administered by SSA

(p) Who Needs…



Who Needs a Rep Payee?

(p) Duties…



Duties and Responsibilities of rep payees AND

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

(p) How to…

How to use the benefits

CharmaineThat’s right! We’ll make sure you understand the information
we’re providing by having “knowledge checkpoints” stops
throughout the training.
Professor Ollie will ask you some questions, and once you
answer them we’ll be able to move on to the next train
station.

Bring Prof O on the screen

So sit comfortably and get ready!
Ana: (To Charmaine) Now are you ready?
Charmaine- Oh yes I’m ready
RETAPE

NEW TRANSITION
SINGLE SHOT

We’re going to start by sending things over to Felecia Lane
and Chad Bennett to talk to you about the programs we
administer here at SSA.
Take it away!

RETAPE

FULL SHOT OF FELECIA
& CHAD

Felecia
Thank you Charmaine.

(CG) Felecia Lane and
Chad Bennett Social
Security Administration

Hi I’m Felecia Lane
Chad
rd

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And I’m Chad Bennett.
I will be discussing the Retirement, Survivors and Disability
Insurance or RSDI Program.
Felecia
And I will 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.

RETAPE

CHAD
(G3- Programs
Administered by SSA)
(p)The RSDI program

--The RSDI program is the larger of the two major benefit
programs. 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.

(p) Earned

--It is an EARNED benefit.

(p) we pay Social

--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

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"credits" that count toward eligibility for future Social
Security benefits.
(p) to be eligible

--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.

(G4- Screenshot) (p)

--These are paid on the 2nd, 3rd, or 4th Wednesday
depending on the beneficiary’s date of birth.
There are 3 different types of payments under RSDI. They
are: retirement, survivors, and disability benefits.

(G5- Retirement )
(p) payable at

--Retirement benefits are payable at full retirement age

(p)and a reduced benefit

--and a reduced benefit is available as early as age 62.

(p) Full retirement age

--Full retirement age is 65 for workers born before 1938
and gradually increases until it reaches 67 for workers
born in 1960 or later.

(G6 –Survivors)

--Survivors’ benefits are paid if the worker dies.

(p) Certain

--Certain family members may be eligible for benefits if
the worker earned enough Social Security credits.
And

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(G7- Disability benefits)

--Disability benefits are payable at any age to workers,

(p) who have

--who have enough Social Security credits and

(p) who suffer

--who suffer a physical or mental condition that prevents
them from performing any significant kind of work for at
least 12 continuous months or result in death.
Felecia

(G8- Supplemental)
(p) is a federal income

--SSI is a federal income maintenance program designed

RETAPE

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

(G9- SSI Eligibility)

(p) an individual

(p) Age 65

To be eligible,
--an individual must be a resident of the United States,
including the District of Columbia and the Northern
Mariana Islands or legally admitted alien AND be


Age 65 or older, blind, OR disabled
AND

(p) Have limited



Have limited income and resources.

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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.
(G10 -Screenshot) (p)

--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 ensure 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:

(G11-Redeterminations) (p)



(p) Income
(p) bank accts
(p) resources
(p) living arrangements





income
bank accounts
resources, and
living arrangements

These RZs can be conducted by mail, over the phone, or in
person. SSA will notify the recipient or rep payee when an
RZ is due.
RETAPE

Felecia – Chad I want to also discuss the events that might
affect entitlement to SSI. This is different than Social
Security disability because it is based on need.
Chad- Yes absolutely. However, there are some events that
rd

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affect both programs. Why don’t we discuss those first?
Felecia:
Good idea.
RETAPE

Chad:
(G12- Events that Affect)

--The events that affect both programs are:

(p) if the medical

 If the medical condition improves,

(p) Any work changes



(p) Incarceration



RETAPE

Any work changes, such as starting or stopping
work, And
Incarceration

Felecia:

(G13-Events that Affect)
(p) Marital status

--Right and for SSI


Marital status changes—For example, marriages,
divorce, or annulment of marriage



Changes in household. For example, if recipient
moves OR someone moves in or out of the place
where the recipient lives). OR



Changes in income or resources

(p) Changes in household

(p) Changes in income

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Chad:
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.
Felecia:
Exactly. That’s why it’s very important that you keep SSA
informed of any changes.
All right. sending it back to you Ana
Ana- OK, it looks like we reached our first stop. Here’s
Professor Ollie with some questions for you.
VINCE FURNARI

Professor Ollie

KNOWLEDGE CHECKPOINT
Ana
Thanks! That was a great summary of our programs.
At the end of the presentation we’ll give you the website
where you can find all the publications and other resources to
help make your job as a rep payee easier.

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Now, let’s move on to our next destination, “Who needs a rep
payee. “ But first, let’s talk about the representative payee
program. Charmaine, why was this program created?
Charmaine(G14 –Why was Program…) --It was created to assist the most vulnerable members
of society
(p) the young

—the young,

(p) elderly

the elderly,

(p) and disabled

and the disabled

(p) who are not

who are not capable of managing or directing someone
else to manage their benefits.
While most people receive their benefits directly, others
need assistance.

(G15- Program works)

This program works best when there is
--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 ensure that benefits are used in the best interest of our

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beneficiaries.
Ana- There are two types of rep payees right?
Charmaine- Yes there are.
Ana – what are they?
Charmaine
Well, basically they’re individual and organizational.
(G16- Two Types of..)
(p) an individual

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

(p) an organization, often

An organizational payee is an organization, often one
which provides care and treatment for the beneficiaries
who reside in the institution or in off-site facilities
affiliated with the institution. For example, nursing
homes, hospitals, group homes or a halfway house.
Ana
Yes and in this video we’re concentrating on individual
payees. If you’re an organization applying to be a payee,

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please watch the video on organizational payees.
Ana
Charmaine, tell us who needs a rep payee for SSA
purposes? Can you talk about how is it decided?
Charmaine
(G17- Who Needs a Rep
Payee)

(p) Children
(p) Beneficiaries

(p) As I mentioned

Rep Payees are assigned to beneficiaries who fall into
three basic categories:




Children—almost all children under age 18 have
payees
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.

Ana
So can anyone who wants a payee have a payee? What I
mean is, can someone have a payee because it is easier for
them?
Charmaine
No Ana, representative payment is not a convenience. We
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select a payee when someone is not able to manage or
direct the management of their finances because of their age,
or a mental or physical impairment. We will never appoint a
representative payee solely for a beneficiary's convenience
or their personal preference.
Now you should report to us if a beneficiary is 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.
Ana
That’s right, and, on the other hand, if you’re the payee for
someone who is showing signs of improvement, and you
think he/she may be able to manage their own money, report
it to us, right?
Charmaine
Yes absolutely, and we’ll schedule an interview with the
beneficiary to determine whether he/she is now capable of
handling his or her own payments.
Ana
Oh and how about if someone has power of attorney? Does
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that entitle them to be a rep payee for that individual?
Charmaine
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. 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.
Ana
OK so even if you have power-of-attorney, you must apply to
be a rep payee with Social Security?
Charmaine
Yes! Exactly.
Ana
Ok. 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 careful in determining and selecting a payee for
these beneficiaries right?
Charmaine
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Oh yes. We investigate a representative. During the face-toface interview, we’ll ask questions to determine the suitability
of the payee.
Like these.
Video with CRs interviewing payees.
Ana- Well those were fantastic questions weren’t they?
Charmaine- yes they were.
Ana- The CRs were gathering very important information to
help determine the suitability of the applicants.
Charmaine
Yes. We want to make sure we select the most appropriate
payee for the recipient.
Ana
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?
Charmaine
Yes we do. We generally contact the current payee. In
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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.
Ana
Ok great! It looks like we’re coming up to our next station.
Let’s see what Professor Ollie has for us.
Make sure you can answer his questions before we can
move on.
VINCE FURNARI

Professor Ollie 2

KNOWLEDGE CHECKPOINT

REMOVAL OF KRISTIE &
ELDER ABUSE
**Will need to make sure
there is a smooth
transition to ANA & the
next Train station
Ana
Ohhh it sounds like we reached our next destination.
Duties and Responsibilities of a Rep Payee.
Charmaine
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
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needs are being met.
CG with beneficiary’s best
interest

Ana
What do you mean by “current and foreseeable?”
Charmaine
That’s a good question!

G19-G21 - Pics

It means, primarily
--food,
--shelter,
--clothing,
--and medical expenses not covered by Medicare,
Medicaid or provided by a residential institution.
--If the beneficiary is in a residential institution, the
payee is responsible for using social security funds to
pay the institution’s fees.
--Once these needs are satisfied, the payee can conserve
the money in a checking or savings account for the
beneficiary.
--You may also use remaining funds for the beneficiary’s
personal comfort items, recreation, and miscellaneous
expenses.

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Ana
Can you give us some examples of miscellaneous
expenses?
Charmaine
(G22) Pics

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.




Ana
Can the money be used for other members of the family?
Charmaine
Another good question Ana.
You can use retirement and T2 disability funds for legal
dependents, But not SSI funds. SSI funds are just for the
recipient’s expenses.

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Ana
Oh OK good. Another important aspect of a rep payee is
reporting changes on time, Right?

RETAPE

TRANSITION TO SINGLE

Charmaine
Oh 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 return to SSA. It’s imperative that these events
are reported to us immediately.
Let’s go back to Chad and Felecia so they can discuss this
further.

RETAPE

CG: OTS
Bullets come in behind
Chad

Chad
Some of the reporting responsibilities are:


(p) Beneficiary moves
(p) starts/stops working
(p) marries, divorces,
marriage annulled





(p) beneficiary or
beneficiary’s spouse dies



(p) unable to contact
beneficiary





rd

The beneficiary moves;
The beneficiary starts or stops working; or
The beneficiary 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;

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(p) name changes
(p) condition improves
(p) leaves or plans to leave
US
(p) immigration or
citizenship status changes

RETAPE

(p) confined to correctional
institution or has warrant
(p) no longer needs payee
CG:OTS
Bullets come in behind
Felecia

Script







Felecia: Now since SSI is based on need, you must also
report these events:

(p) countable resources
exceeding $2,000 for
individual, or $3,000 for
couple
(p) Moves from institution



(p) separates or begins
living with spouse



(p) household composition
changes



(p) gives birth



(p)changes in wages or
government payments

The disabled beneficiary's condition improves;
The beneficiary 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;





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



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(p) Starts/stops receiving
income of any kind

Script



The beneficiary or the beneficiary’s child starts or
stops receiving a pension or other income of any
kind

Alright, that’s it for us, back to you Ana.
Ana
Thank you for this valuable information. Now Charmaine, I
really think this is probably the MOST important part of the
training.
Charmaine

CG: L3
1-800-772-1213

I agree, and to report changes, you can call our toll-free
number, 800-772-1213, or call, fax or visit your local Social
Security office.
When you contact us, you must have on hand the
beneficiary’s name, SSN, date and place of birth, mailing
address and one other unique identifier such as benefit
amount.
Ana
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

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deposits and expenses.
Charmaine
That’s right Ana. If you are responsible for more than one
beneficiary, you must keep separate records, for each
beneficiary for whom you are payee, for at least 2 years. You
must keep records of all payments we make to you, all bank
statements, and receipts or cancelled checks for rent,
utilities, and any major purchases made for the beneficiary.
Ana
OK. I know there are restrictions to what you can do as a rep
payee.
Charmaine
Oh yes.. We appoint a payee to manage social security and
SSI benefits ONLY. Being a payee does not give you
authority for anything else related to the beneficiary or
recipient.
Here’s a list of things you are cannot do as a payee.
VOICE OVER
WITH THESE
BULLETS.

Animated Pictures in After
Effects

(Maurice voice over) Tape


*CHANGE NEGATIVE
IMAGES AT TIMESTAMPS

Manage or control the beneficiary’s non-social
security income; these are wages, pensions,
dividends or any income from sources other than

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32:38
32:46
35:32

RETAPE

V/O needed:















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, etc;
Deposit the benefits in yours, or another person's
account unless you are a parent or 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
your 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/her ownership interest in the account); and
you must never sacrifice a beneficiary’s needs to
pay other expenses, a past debt, or to accumulate

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conserved funds.
Ana
OK, it looks like Professor Ollie is ready for some more
questions for you…Good luck!
VINCE FURNARI

Professor Ollie 3

KNOWLEDGE CHECKPOINT
Ana
Very good. We’re on our way to our final destination.

GET JUSTIN TO REMOVE
WORD

Let’s welcome Kristie Boutte back to talk about how to use
the benefits.
Kristie
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.

(G23-Payments Exempt)

--Social Security and SSI payments are generally exempt
from seizure by creditors

(p) If,

--but if the failure to pay an old debt could result in
negative consequences like homelessness,

(p) Then
(G24- Large Payment)
PIP – Kristie on screen

--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

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due benefits.
(p) If
(p) First

(p) Then

(p)(p)

--If this happens,
--your first responsibility is to ensure 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.

(G25- How to Use) (p)

Remember, for Social Security (not SSI) beneficiaries
living in an institution whose current maintenance needs
are being met,

(p) you

--you may use part of the funds to support the
beneficiary’s legally dependent spouse, child or parent.

(p) However,

--However, you should contact Social Security before
doing so.

(G26-How to Use cont) (p)

You may also reimburse yourself from the beneficiary's
funds for actual expenses incurred in providing services
for the beneficiary.

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(p) Some typical
(p) to claim a
RETAPE

V/O needed to correct this
statement

Script

--Some typical reimbursable expenses are the cost of
money orders, transportation costs, etc.
--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.
Ana
Kristie thanks for all the information you provided.
Kristie
Anytime!
Ana
Let’s talk a little bit about direct deposit. A law went into
effect March 1, 2013, requiring that you receive your Social
Security and SSI payments electronically.
Charmaine
That’s right Ana.

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TRANSITION TO SINGLE
SHOT

There are different accounts that can be used such as
dedicated accounts, collective accounts, and regular
checking and savings accounts.
Dedicated accounts are for disabled and blind children. We
won’t be discussing it during this training, but will in the

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videos dedicated to payees for children.
* This was OISP’s exact
language.

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 the SSA if they can hold Social Security or SSI
benefit payments in one savings or checking account. 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 accounts for
you and the individual you’ll be a payee for, make sure you
don’t mix your money with that of the beneficiary’s.

CG: L3
Payee’s name FOR
beneficiary’s name

The account should be titled “your name FOR beneficiary’s
name.”
Ana

For example Ana Obrebski FOR Charmaine Gibson. Ana
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 ensure their money is in
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good hands and spent the way it’s supposed to. We take this
very seriously here at SSA.
Charmaine
Yes. We really want to thank you for taking on this huge
responsibility. Ana if you don’t mind, I’ll like to share with the
viewers a few ideas on how they can assist the beneficiaries
in other ways.
Ana
Oh absolutely! Go ahead.
Charmaine
OK. Here they are.
Video with
Maurice’s voiceover

Animated Pics

. MAURICE VOICE-OVER






Meet regularly with the beneficiary (preferably
face-to-face);
Establish a budget, discuss it with the beneficiary,
and involve him/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 and
large retroactive payments and what the

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







beneficiary’s options are in regard to entitlement
and overpayments for SSI and/or Medicaid;
Help the beneficiary find other services he or she
needs (e.g., food stamps, housing subsidies, etc.);
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 an earned
income tax credit (EITC) that can be paid
throughout the year or included in the federal
income tax calculation; and
Recommend an alternate person or agency if you
cannot longer serve as a representative payee.

Ana
We made it to our final destination!
Now you know everything there is to know to be a successful
and responsible rep payee!!
Charmaine
Congratulations everyone!
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Ana
Charmaine, thank you so much for all the information.
Charmaine
Thanks for having me.
Ana
We want to thank you again for your willingness to serve as a
rep payee. As I mentioned earlier, SSA takes this
responsibility very seriously and will stay on top of any
changes or issues that will affect the well-being of our
beneficiaries.
(G27)

And, as I promised,
You can find all the publications related to rep payee,
(P)www.socialsecurity.gov/p SSA, and the programs we administer at
ayee
www.socialsecurity.gov/payee.

Thanks for watching.

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