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Can I redirect my sister's Social Security check to her nursing home as her POA? She's on Medicaid & non-mobile

My older sister had a severe stroke last year and is now in a nursing home with Medicaid covering most costs. I have power of attorney for her finances and healthcare. The nursing facility is now requesting that her monthly Social Security check ($1,875) be sent directly to them instead of continuing to go into her personal bank account. They're saying this is required for their Medicaid patients, but I'm confused about how to make this happen. I've tried calling our local SSA office but can't get through to anyone. Would they even allow me to change her direct deposit info using my POA? She physically can't go to an office (completely non-mobile) and can't manage a phone conversation due to her condition. Has anyone dealt with redirecting SS payments to a facility? What documentation will I need? I'm really stressed about getting this resolved quickly since the nursing home is pressuring me about it.

Miguel Silva

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Yes, the SSA will allow you to redirect your sister's benefits as her POA, but you need to follow specific steps. This is actually common for Medicaid nursing home residents - it's called the "Representative Payee" process. As her POA, you'll need to: 1. Complete form SSA-11 (Request to be Representative Payee) 2. Bring your POA documentation, your ID, and your sister's Social Security card if available 3. Explain that she's unable to manage her benefits due to her condition The nursing home should provide their payment information. They likely need this because Medicaid requires most of her income to go toward her care costs, with only a small personal needs allowance remaining for her.

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StarSailor}

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Thank you for this detailed information! I wasn't aware of the Representative Payee process - the nursing home just kept saying I needed to change the direct deposit. Will I be able to do all this without my sister being present? And is the Rep Payee status different from having POA?

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Zainab Ismail

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When my father went into a nursing home last year, I had to do the EXACT same thing. It was a NIGHTMARE getting through to Social Security!!! I spent WEEKS trying to get someone on the phone. The rep payee form isn't difficult but you absolutely HAVE to talk to someone at SSA to process it correctly. The nursing home should be more helpful in explaining this - they deal with it all the time!!!

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Connor O'Neill

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I had the same experience trying to reach SSA after my mom broke her hip. Couldn't get through for days!!

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Yara Nassar

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I work with families in similar situations frequently. To clarify some important points: 1. Having Power of Attorney is not the same as being a Representative Payee for Social Security purposes. Even with POA, you still need to apply to be the Rep Payee. 2. For Medicaid nursing home residents, most states require that the resident's income (minus a small personal needs allowance of $30-70 depending on your state) goes to the facility for their cost of care. 3. The Rep Payee application (SSA-11) needs to be submitted in person or through the mail with supporting documentation about your sister's incapacity. Don't wait on this - facilities can discharge residents for non-payment issues, even if they're on Medicaid.

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StarSailor}

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This is really helpful - and concerning! The nursing home never explained the Rep Payee vs POA distinction to me. The personal needs allowance makes sense now. Do you know if there's any way to expedite this process? They're making it sound urgent.

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Keisha Robinson

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my mom was in nursing home 4 years n i had same thing... they want the check cuz of the medicad spend down rules. u still can keep small amount for her personal stuff like maybe $50 or somthing. medicad rules not ss rules making this happen

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Yara Nassar

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You're absolutely right about this being related to Medicaid's "post-eligibility treatment of income" rules rather than Social Security rules. The personal needs allowance varies by state but is typically $30-70 per month that the resident gets to keep, while the rest goes toward their cost of care at the facility.

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GalaxyGuardian

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When I went through this with my husband, I spent 4 days trying to reach someone at Social Security. After getting disconnected multiple times, I discovered a service called Claimyr that got me connected to an SSA agent in about 15 minutes. Saved me so much frustration! Their website is claimyr.com and they have a video showing how it works: https://youtu.be/Z-BRbJw3puU Once I actually got through to Social Security, the process was straightforward. I submitted the Rep Payee application and provided documentation of my husband's condition. The SSA agent explained that even though I had POA, Social Security requires the separate Rep Payee designation for control of benefits. The nursing home got their direct deposit set up within about 2 weeks.

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StarSailor}

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Thanks for the tip about Claimyr! I'll check it out. Getting through to someone is my biggest hurdle right now. Did you have to bring your husband with you to the SSA office or were they accommodating of his mobility issues?

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Miguel Silva

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To answer your follow-up question: Yes, SSA has procedures for handling cases where the beneficiary can't appear in person due to medical reasons. You'll need to explain your sister's condition on the Rep Payee application. Bring medical documentation confirming her inability to manage her benefits or appear in person. And correct, Rep Payee status is entirely different from POA. POA is a legal designation under state law, while Rep Payee is specific to Social Security and gives you authority to receive and manage her benefits on her behalf.

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Paolo Ricci

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Not always true! My local office INSISTED my mother had to be present despite her being bedridden in hospice care! Ended up having to get her doctor to fill out additional forms proving she couldn't come in. Such a hassle when we were already dealing with so much.

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Connor O'Neill

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hope you get this sorted out quick! my aunt's nursing home got really pushy about this too

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Zainab Ismail

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Wait - has anyone mentioned that if you redirect the check to the nursing home, make absolutely SURE they're providing the personal allowance to your sister!!! My dad's facility was terrible about this and we had to fight to get his personal money for his basic needs! They acted like they were doing us a favor giving him HIS OWN MONEY!!!

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StarSailor}

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Oh no, I hadn't even thought about that aspect. Did you have to set up some kind of separate arrangement to ensure he got his personal allowance?

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Yara Nassar

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Regarding ensuring your sister receives her personal needs allowance: The best practice is to have a written agreement with the facility about how they'll provide her personal allowance. Some facilities give residents a monthly check, others maintain an internal resident account where they credit the allowance amount. You should clarify: 1. How and when she'll receive her personal allowance 2. How she'll access those funds for personal items 3. What documentation you'll receive showing the proper allocation As her advocate, you have the right to request monthly statements showing how her Social Security payment was applied.

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StarSailor}

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Thank you - this is extremely helpful. I'll draft up something in writing about the personal allowance arrangement before completing the Rep Payee application. Really appreciate everyone's advice on navigating this complex situation.

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Keisha Robinson

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make sure u get everythin in writing!!! nursing homes mess up billing ALL THE TIME trust me

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