While this takes care of receiving money, paying bills must be dealt with by other means. The power of attorney is probably the most widely used tool for dealing with the disability problem. The power of attorney is simply a written document where you give someone else the power and authority to act on your behalf. The main consideration here is that it must be signed while you are still competent. Therefore, as a precautionary measure, many sign powers of attorney far in advance of any anticipated incapacity.
Trusts are another vehicle that are often used to confront disability problems.
Trusts are perhaps the ideal arrangements if the estate is large enough to warrant the extra complexity involved with drafting the trust and transferring assets to the trust. To eliminate this burden, you should consider a bank as the trustee. The bank can supply standard trust forms and they will handle the transfer of most of the assets to the trust. The representative payee is appointed when the agency determines that it's in the beneficiary's best interests. The representative payee relationship, however, extends only to those benefits and not to any other moneys.