well sweetie how would you know unless you are directly involved with SS for your family or have close friends dealing with it?

One reason I know is that I have friends on disability who have payees..........and one of them had a payee who stole money and endangered her health by not giving the money in time to renew prescription and she ended up with seizures in the ER!! That is the type of worst case scenario that can happen. Fortunately because of such skanky payee behaviour there are ways to change the payee on an account/case.

Another reason is that they explained to me in an interview for my own case that after the doctor assessment they would then determine if I could handle monetary transactions well enough to be allowed to receive my own check-----should I be approved.

Crazy when I used to do nightly reports and deposits for a very small grocery and often worked with cash amounts of $20k+ but ten years down the line I may be deemed incapable of handling my own funds. Sheesh!