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Using Mother's bank account. Can this effect her disability income?

My Mother receives Social Security SSI money. If she has or makes too much money, they will start restricting her benefits. I'm in a position where I need to utilize her bank account, and move about $2,000 dollars a month through her account. She's afraid they will see this money and think it is hers and start taking some of her money.

 

Is there any form we can fill out, or anything we can do proactively to let the IRS or Social Security Administration know that this is my money and not hers? I don't want to negatively effect her income, but I'm unable to open my own bank account for the foreseeable future due to personal reasons.

 

Thanks!

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I can't see doing things that way being ok for you or for her.  Just have to try another way.

In my experience with Social Security....they fault you for everything and are tolerant of just about exactly nothing.

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@GailL1 

 

Thanks for the quick reply! It's my money. I get it from doing side jobs, but I have to get some legal issues straightened out before I can open my own bank account and handle all my affairs myself.

 

You mention being my Mother's Representative Payee. Is this what I need to do in order to be able to share an account with her without hurting her SSI?

 

I will look into the link you sent as well.

 

Thanks again!

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@GailL1 

 

Thanks for such a clear and thorough answer. I'm not trying to hide anything, it's just convenient to use her account rather than deal in cash with people. The situation is personal, as I stated, so I'd rather not disclose all the details. But I absolutely agree and I do not want to jeopardize her income in any way, which is why I'm here and I appreciate your input regarding all this.

 

I only have one question based on your answer. If the balance never exceeds $2000 in her account, but the transactions do exceed $2000, is that okay, or will that still cause her to be flagged? You mentioned it being a $2000 limit, and I was wondering if that limit refers to the balance or the total amount transacted.

 

Thanks again

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Ok, sounds like I'll have to figure something else out. Thank you, I couldn't find a clear answer worded for the layman anywhere.

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