LawRefs Customized Legal Information
Attorney Renee C. Walsh

Remove Your Payee! Learn How. Get Form SSA-11.

You have the right to receive your own Social Security check.  Get rid of your payee.  Show the Social Security Administration you can manage the benefits yourself.

Break free from the chains or your payee!

File SSA-11, answering questions 1, 3, 5, 6, and 8, and signing on page 4.

Gather Proof to Show you Don’t Need a Payee.

First, gather proofs to show the Social Security Administration that you can manage your funds, such as:

  • Doctor’s Statement
    • Go to your doctor and ask for his/her support.  Ask them to write a note or a letter stating that your condition has changed and you can manage your money.
  • Medical Evidence
    • Find and use a medical record that supports your claim.
  • Court Order
    • Do you have a court order that states that you are competent?
    • Did you have your guardian/conservator removed?
    • Did you become emancipated?
  • Other Supportive Statements
    • Ask your family, friends, pastor, etc., to write a statement that you can provide that supports that you can manage your money.  Have them include specific examples of your success.
  • Other Evidence
    • Bank statements from a checking account.
    • An itemized list of monthly payments made.
    • A budget.
    • A 5-year plan.
    • School records showing passing grades.

Minors can do it too.

Even if you are a minor, if you can provide the necessary proof, you should be allowed to manage your own funds.

File SSA-11, answering questions 1, 3, 5, 6, and 8, and signing on page 4.

Make sure there is no downside.

Importantly, before you take in your proofs and try to get rid of your payee, make sure it won’t affect your eligibility for benefits in the first place.  If the Social Security Administration believes your condition has improved to the point that you no longer need a payee, your eligibility for disability payments may be reevaluated.  Therefore, you have to consider if you want to open the door to this possible reevaluation. The alternative is to consider finding a different payee rather than opening this door.

You have a right to appeal.

Don’t like the result?  Appeal the decision that you need a representative payee or the decision as to who is appointed as your payee.  You have 60 days to appeal a decision by contacting SSA.

Contact your local Social Security office or call 1-800-772-1213 for more information.

Again, the form you will need is SSA-11.

Additional Resources:
Find your local Social Security Office


  1. I have been on disability social security and just now turned 66 and receiving regular social security. My doctor has written a letter that he feels I can take care of my own finances. What do I need to do? Is there a form I need to fill out with social security? Can I just go in and take the letter to the social security office and they will have the form there? I have been able to take care of my own funds for a while now but didn’t want to stir up anything so I waited until I was 66. I just need to know what I need to do now with the letter I have received from my doctor. Do I need to make an appointment with social security are do I just go in.

    • Dear Judy:

      Do what works best for you. You can mail the form and any supporting documents to your local office to get the ball started. Fill out Form SSA-11 (click on one of the orange links to it indicated above) and submit it with your doctor’s letter and a cover letter stating your purpose, such as:

      [Insert Date]

      Dear Social Security Representative:

      Enclosed is Form SSA-11 along with supporting documentation from my physician. I no longer require a Representative Payee. Please remove my payee so that I am empowered to manage my funds. If there is anything else you require, please contact me at: [provide contact information].

      Thanking you in advance, I remain,

      Sincerely yours,

      [Insert name]

      Send your correspondence via certified mail, return receipt requested.

  2. Victoria J. says:

    My father is no longer my payee. Where will my check get sent next month? I don’t want my check to get sent to my father though direct deposit. He wasn’t doing what he was suppose to do as my payee. I just turned 18. I’m worried. Will my check get sent to me in the mail?

    • Dear Victoria J.:

      I would think that if your father is no longer your payee, the Social Security Office would not directly deposit the check in an account on which he is a named holder. In order to be certain, you should contact your local Social Security Office.