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Avg SS paid is $1788-$1905, with a max of $3822 and lots of folks actually do get the max.
Most SSA retirement income mo payment have the Part B Medicare $175 a mo premium taken out. So if that is being done, she absolutely needs to continue with this, it’s standard stuff. But look to see if anything else is being attached to her SSA income, like a lien or Medicare Part A premiums.
I get 1,700 but retired at age 62 and have been two decades retired. Great salary as an RN and often doubled my last years. Just that early retirement makes all the difference. I loved it, however, and figure the government had to pay me a whole ton before I even retired. Had a few small pensions as LPN and as RN that bumped it up a bit. My bro made only 875 on SS when he died at 85 4 years ago. So many are not getting all that much, esp if they didn't earn a whole lot.
if the mom still seems pretty competent, then the daughter makes a SSA appointment in person appointment AFTER up the new bank account is set up in the moms name as the owner with the name with the daughter as a signature on the account.
My worry is that later when Mom might need in facility care there will be accusations of fraudulent use of a senior's assets?
Would love to be filled in on this because wow, would it ever be the easier way to go if she is the caregiver.
This is protection for Mom and for her daughter. She should also keep a diary and record.
If Bro/POA will not do this then she should tell him she'll contact APS, let them know, and they will likely help her apply for guardianship of mom
OR
He can take care of mom from now on or place in care in facility.
Let it be his choice.
IF mother is competent, by the way, she can change her POA to her daughter the second she walks into an attorney office.