local and federal interpretations so you would need to cover yourself on all levels. Insurance is state by state. You would also need to know if they in fact have a rep payee, or someone who has a POA for them—which is very likely at their age. It could really screw things up for you if that person is not as agreeable. If it is a POA then they may be completely reluctant because any contract they enter in under the name of the couple could make them liable for said contract should something happen to the couple. It’s pretty sticky and I sure wouldn’t wade those waters without a good lawyer.
An example given on the POA website or USA Today money used the example we are running into: The person with the POA orders a charge card at the person’s request and even if they never use the charge card (the poa holder) they are liable for the entire balance if something happens to the card holder. Apparently sil is not aware of this and as taken out loans (car and possible a house) and cc in dmil’s name, so her goose is cooked. A friend had a poa for his dad’s construction business and signed for ONE lumber delivery because his dad was not available. Dad filed bankruptcy a few years later and Ralph got stuck with ALL the bills and a huge IRS bill as a result. So anyone with a poa needs to be VERY careful how they use it.