Q: What do i do if my mom keeps opening my mail?

A: It is a good idea to set up a bank account for yourself and direct that your Social Security benefit payments be directly deposited into your account. It is more secure than having a paper check mailed to your address. You can do this by creating a My Social Security account and then set up direct deposit once you have your bank account established. For more information about how to do this see https://www.ssa.gov/myaccount/?gclid=CjwKCAiA7t6sBhAiEiwAsaieYvVXLY5CD2tictMqXPYRTD-urx-obncrBQIVNFL2_ctriawBoOCRZhoCWPEQAvD_BwE.

While you are at the bank, you may also want to set up an ABLE account for yourself. This is a tax-free savings account used to cover qualified disability expenses. Social Security does not count the first $100,000. Only assets in the ABLE account above $100,000 count as a resource. See https://www.ssa.gov/ssi/spotlights/spot-able.html. It can be very advantageous to you when saving for your future.

If you are receiving SSI, then you will need to know about how deeming works. Your SSI payment may be reduced by one-third if you live in your mom's household throughout a month and you do not pay for the food and shelter you get. See https://www.ssa.gov/ssi/spotlights/spot-one-third-reduction.htm. You can make arrangements with your mom about paying your fair share of the household expenses and avoid the deeming reduction. Report any changes in your living situation to Social Security right away. See https://www.ssa.gov/ssi/text-report-ussi.htm.

A: It's important to address this issue as opening someone else's mail without permission is against federal law, especially when it involves personal matters like social security benefits. Since you are 18, you are legally considered an adult, and your mail is your private property.

First, you should have a direct conversation with your mom. Express your concerns about her opening your mail and explain the legal implications of her actions. It's crucial to set clear boundaries regarding your privacy and legal rights.

If the situation doesn't improve, you might consider taking further steps. One option is to arrange for your social security checks to be directly deposited into your bank account. This not only secures your funds but also avoids the issue of physical mail.

Additionally, you could consider getting a P.O. box for your mail. This will ensure that your mail is secure and only accessible to you.

If necessary, seek legal advice. An attorney can provide guidance on how to protect your legal rights and may offer solutions tailored to your specific situation.

Remember, it's essential to handle this situation delicately but firmly, as it involves family dynamics as well as legal considerations. Prioritizing open communication and seeking professional advice when needed can help resolve this matter effectively.