We shouldn't assume anyone's mental capacity. Someone went to the SSA and convinced them that the individual does not have the capacity to handle his/her financial affairs; therefore, we should honor the agent's authority over the account. If the individual does have the capacity to handle his/her own affairs, he/she should go to the SSA and have the rep payee removed. This happens sometimes in accident and stroke situations.
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Life without Jesus is like an unsharpened pencil - it has no point.