A protective service for limited-income seniors who need help managing their finances. Bill payer volunteers assist individuals who are able to make decisions about their financial affairs but who need help organizing bills and paying them on time. Representative payee volunteers are appointed by Social Security to receive and manage benefits of a person who is determined incapable of managing his or her own finances. In contrast to the bill payer program, the representative payee signs the checks and has full control of the benefits. They pay bills and make sure the client's needs are being met.