Page 22 Discount Services -Raccoons -Squirrels 781-269-0914 Removal O f Revere in her 97th year, passed away peacefully on September 6, 2021 at home surrounded by her loving family. Graduate of Revere High School class of 1941. She was THE REVERE ADVOCATE – FRIDAY, SEPTEMBER 10, 2021 OBITUARIES Marie Y. (Del Vecchio) Vecchia the beloved wife of the late Eugene F. Vecchia Sr. with whom she shared 57 years of marriage. Loving mother of Gene and his wife Tracy. Devoted grandmother to Nicholas and his wife Jennifer and Derek and his girlfriend Sari. Great grandmother of Lorenzo, Owen and her favorite canine, Blu. Daughter of the late Euplio and Nicoletta (Fabiano) Del Vecchio. She was pre deceased by her siblings James Del Vecchio, Florance Reedy, Anthony Del Vecchio, Benjamin Del Vecchio, and Edith Silvestri. Survived by her brother-in-law and sister-in-law Frank and Rose Vecchia and many nieces and nephews. 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Little Know Social Security Program Helps Seniors Manage Their Money Dear Savvy Senior, Does Social Security off er any special help to benefi ciaries who struggle managing their benefi ts? My aunt, who has no children, has dementia and struggles keeping up with her bills and other fi nancial duties. Inquiring Niece Dear Inquiring, Yes, Social Security actually has a little-known program known as the “representative payee program” that helps beneficiaries who need help managing their Social Security benefi t payments. Here’s what you should know. Representative Payee Program Authorized by congress back in 1939, the Social Security representative payee program provides money management help to benefi ciaries who are incapable of managing their Social Security income. Beneficiaries in need of this help are often seniors suff ering from dementia, or minor children who are collecting Social Security survivors’ benefi ts. Currently more than 5 million Social Security benefi ciaries have representative payees. Representative payees also handle benefi ts for nearly 3 million recipients of Supplemental Security Income (SSI), a Social Security administered benefi t program for low-income people who are over 65, blind or disabled. Who Are Payees? A representative payee is typically a relative or close friend of the beneficiary needing assistance, but Social Security can also name an organization or institution for the role – like a nursing homes or social-service agency. Some of duties of a representative payee include: • Using the beneficiary’s Social Security or SSI payments to meet their essential needs, such as food, shelter, household bills and medical care. The money can also be used for personal needs like clothing and recreation. • Keeping any remaining money from benefi t payments in an interest-bearing bank account or savings bonds for the benefi ciary’s future needs. • Keeping records of benefit payments received and how the money was spent or saved. • Reporting to Social Security any changes or events that could aff ect the benefi ciary’s payments (for example, a move, marriage, divorce or death). • Reporting any circumstances that aff ect the payee’s ability to serve in the role. As a representative payee, you cannot combine the benefi ciary’s Social Security payments with your own money or use them for your own needs. The bank account into which benefi ts are deposited should be fully owned by the benefi ciary, with the payee listed as fi nancial agent. Some payees, generally those who do not live with the benefi - ciary, are required to submit annual reports to Social Security accounting for how benefi ts are used. For more information on the responsibilities and restrictions that come with the role, see the Social Security publication “A Guide for Representative Payees” at SSA.gov/pubs/EN-05-10076.pdf. How to Get Help If you believe your aunt may need a representative payee, call Social Security at 800-7721213 and make an appointment to discuss the matter at her local offi ce. Applying to serve as a payee usually requires a face-to-face interview. Social Security may consider other evidence in deciding if a benefi ciary needs a payee and selecting the person to fi ll the role, including doctors’ assessments and statements from relatives, friends and others in a position to give an informed opinion about the benefi ciary’s situation. You should also know that if you become your aunt’s representative payee you cannot collect a fee for doing it. However, some organizations that serve in the role do receive fees, paid out of the benefi ciary’s Social Security or SSI payments. For more information on the program visit SSA.gov/payee. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior. org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.
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