We have a single customer (Jane) that receives approximately $620 monthly from Social Security (SSA) and $130 monthly from SSI. The customer has informed CSR staff that she is transferring money each month into her sister's account (Sister (Mary) is sole owner, but she (Jane) is an authorized signer) so that she does not lose her SSI money.

I am not familiar with SSI fraud, so I would appreciate any help with this.

Sister Mary lives out of state and it does not appear that Mary has conducted any activity in the account for years, the only activity that has been transacted is by Jane. There are times each month (7 - 10 days) that the balance in both accounts added together would be over the $2,000 resource threshold.

Does this activity require a SAR or is there something else I should know about SSI?

You mean right after she gets the money and then draws it down prior to month-end?

She withdrawals about $150-$200 per month to deposit to the sister's account. She normally has about $500 left in her account when the ACH deposits come in. Then she pays her bills and starts to use her debit card for gas, medicine, groceries

The transfer to the sister's account is done about a week to 2 weeks after the deposits.

No - I was asking when the combined accounts exceeded $2,000 - after the receipt of the funds or is there more than $2,000 in the accounts when new funds come in.

Sorry! Her accounts exceed the $2,000 level for about 7 - 10 days after the new funds come in.

They take a once a month snapshot at the beginning of the month and as long as it doesn't exceed the limitation then I don't think you have a problem. It is not a never can be over $2,000 test.

Thank you!