You need to check with a FL social security lawyer. It may be the case that your mother was supposed to deposit the money in a separate account for you until you reach adult age. For example, that is what would happen if you were injured in a car accident as a kid and you got money.
Not sure if SS is different, but you should check. Many lawyers will give you a free consult.
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I am sorry to hear that you lost your father. Once he did pass away Social Security needed to appoint a guardian to handle your money since you were a minor. They typically designate the other parent. This money is designed to replace in part the contributions that your father would have made. No power of attorney is ever given.
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