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Son is co-guardian with sister of mom. Son is also Trustee of mom's trust.
Mom's SSA goes into a trust bank account. She lives off the guardianship account. No shortage of money in either. We just recently set up the guardianship account but the trust account with the SSA has been there for years. Don't want to mess with her SSA if we don't have to.

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I never messed with becoming Rep payee. I paid a visit to the SS office and was told that were the funds in a regular bank account of his I could not manipulate that without becoming rep payee, but if I was Trustee of his Trust and his funds were deposited into his trust account I had no problem with that. I checked it with US Bank where he banked and they confirmed this, set the account up with me as Trustee, and it was the account I pretty much used for everything other than his CDs.
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Son is your hubs, right? And I’m guessing that getting guardianship has not been exactly easy, I’m basing this on there being a co-guardianship, that’s kinda unusual if its shared responsibility / shared ability between hubs & his sister. Now coguardianship IF it is 1 has it for medical / health and the other for financials that happens if there’s a lot of $$$ & asset management needed but shared overall powers is odd.

On the SSA stuff, in my not an atty opinion, I think that SSA has to be formally contacted (like in writing with a xerox of the guardianship document attached & sent certified mail with a return receipt card to local office or whatever address is listed on MILs 2022 SSA awards letter) as to the guardianship being done. Your MIL now legally is in an entire different status, she cannot be self directed in making decisions; she has been appointed by the court, guardians and SSA needs to know. How SSA deals with the situation in my understanding is to require a representative payee named and it will be the court appointed guardian. Make a copy of the letter to SSA, the certified mailing & r.r,p. card and all gets attached to the guardianship report that the judge is going to want to see as part of the guardianship. Due diligence done!

SSA will eventually get back to you / hubs and send out SSA representative payee info for hubs. SSA could take months to do this. Meanwhile deposits stay the same.

Representative payee happens often. Theres an annual reporting / document done. If it can be avoided, yeah that’s better but the guardianship means new legal status so imo SSA need to be make aware.
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