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Redirecting SSA Survivor Benefits

My son and I both receive survivor's benefits since the passing of my husband. He recently turned eighteen, and now receives his portion by check, but is living with me and paying rent. Is there any way that I can have these checks automatically transferred into my account? I use a credit union and he uses a bank.

Untitled

If you are referring to Social Security survivor benefits, they should terminate on your son's eighteenth birthday unless he is still attending high school full time (payable until age 19), or is disabled. If he is still entitled to benefits, the Social Security Administration won't knowingly allow him to direct his payments to a bank account that's not in his name. Electronic deposits (SSA calls them "direct deposits") to a joint account in his name and yours would be allowed.

If a joint account isn't workable for you, your son may be able to set up a standing bill payment transaction from his account at the bank, payable to you. Depending on the services at his bank, that payment could go electronically to your account, or in check form to you.

Published on BankingQuestions.com 6/05/08