I was really surprised to receive my mother's approval letter for A&A benefits today. I submitted the application about three months ago. I credit the information on this website with helping me file an application that was easy to close favorably. Because my mother has dementia, a fiduciary must be appointed. Fortunately, according to the approval letter, only the retroactive payment is being withheld pending fiduciary appointment. At least, that's how I understand it. I'll know for certain in a few days. My question is, will it be necessary to set up a separate bank account, other than the one my mother already has? The approval letter says benefits will be direct deposited into her existing account, so I think the answer is no. But I could use some experienced advice.