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Do I have to have a representative payee? If you are under age eighteen, unless you have been legally emancipated, you must have a representative payee to receive and manage the use of your Social Security benefits. If you are an adult, when the claims examiner reviews your claim to determine whether you are eligible for benefits, he or she also reviews all the information in your claim file to determine your capability to manage money. Capability means that you have the physical and mental capacity and judgment to either use, or direct someone to use, your funds to take care of your current needs. This includes prioritizing your basic needs of shelter, food, clothing, personal care items, and medical and dental care first. If it is determined that you are not able to do this because of your medical or psychiatric condition, then Social Security must pay your benefits to a representative payee. If you have been advised that a representative payee will be appointed to receive your benef