Can a Social Security Representative Payee open an ABLE account for a beneficiary?

If you’re an eligible beneficiary with a Representative Payee, you can open an account for yourself. To have a Representative Payee open an account for you, they must meet the requirements of an Authorized Legal Representative (anyone who is selected by the eligible beneficiary with legal capacity, anyone who has Power of Attorney, a conservator or legal guardian, or a spouse, parent, sibling, or grandparent). Because the role of Representative Payee is specific and unique to Social Security benefits, it doesn't apply to ABLE plans without Limited Power of Attorney.

Wondering who should manage your ABLE account? This chart can help walk you through the decision.