Who is required to have a Social Security representative payee?

The requirement for a Social Security representative payee is primarily designated for minors and legally incompetent individuals. These individuals may not have the cognitive ability or legal capacity to manage their own finances effectively. A representative payee is responsible for receiving Social Security benefits on behalf of these individuals, ensuring that the funds are used appropriately for their needs, such as housing, medical expenses, or other essential living costs. This arrangement protects vulnerable populations from financial mismanagement and helps ensure that their benefits are utilized in a manner that supports their wellbeing.

Adults over 65 do not automatically require a representative payee; their capacity to manage their own affairs is assessed individually. Similarly, not all individuals receiving Social Security need a payee, as many can handle their benefits directly. Lastly, a person's credit history does not determine whether they need a representative payee, as the designation is based on legal competence rather than financial standing.