The Social Security Administration maintains an overview webpage for beneficiaries like you who have questions about Representative Payees:
The SSA webpage notes:
"You have the right to receive your own Social Security check unless SSA believes you are not capable of managing or directing the management of your money.
If you have a representative payee because of a physical or a mental disability, in order to become your own payee, you must show SSA that you are now mentally and physically able to handle your money yourself. You could provide:
A doctor's statement that there has been a change in your condition and that the doctor believes you are able to care for yourself; or
An official copy of a court order saying that the court believes that you can take care of yourself; or
Other evidence that shows your ability to take care of yourself.
Note: If SSA believes your condition has improved to the point that you no longer need a payee, we may reevaluate your eligibility for disability payments."
1. If you don't know already, find out why you have a rep payee. In my experience, SSA is very quick to appoint a rep payee if they have doubts about a beneficiary's ability to manage his or her own money.
2. Talk to your local SSA office about what if anything you can do to receive your benefits without a rep payee. Know that your local SSA office has a duty to act in your best financial interest, and employees take that duty seriously.
3. Do your best to demonstrate to your local SSA office that you don't need a rep payee. This may take time, and there are no guarantees that you will succeed. If you originally sought a rep payee for yourself because you thought you were unable to manage your own money, that would make it extra difficult to now remove the rep payee. Good luck!