For a person with mental health disability, the bank account should be set up as follows: "your name FBO son's name". FBO = For the Benefit Of. You should be the only owner of the account, and your signature should be the only signature on the account. The social security benefit should be direct deposit into the account, and no other funds should be put in. All of his living expenses, including rent, car, phone, clothes, utilites, co-pays etc can be paid by you from the account (to the extent the funds permit). This account cannot be co-mingled with any other accounts, it has to be separate. Some banks don't seem to know much about Soc Sec requirements, so you have to be explicit in how the account is set up. Your son should apply for food stamps if he is not already getting this benefit. In any case, he will need a little spending money for gas and other supplies not covered by food stamps (not sure what the limitations are on where this spending money can come from, but as long as it is reasonable it should be ok).