I've had no experience with a lost check, but, I have used direct deposit since starting benefits.It sounds to me as though this process is becoming more complicated than it needs to be compounded by what sounds like some conficting information from the SS office.The first question I would have is has the January check been cashed? I think you should have your mother ask for a status of all checks issued from January to the present including when they were sent, cashed, etc. January is a good starting month since the dollar amount for the checks would be different than 2008 checks.If the January check has been cashed then either your mother is mistaken or it was fraudulantly cashed. If the latter I would think the SS office and perhaps others would be interested. If the check has not been cashed and your mother claims it was never received (or lost) I can't see how it is much of an issue with the SS office.... they told my mother that they were going to send two checks and asked her to compare the signatures on the checks.This makes me think that the SS office believes that the check was cashed and is trying to figure out whether it was fraud and I think this should be pursued. Have you checked your mother's deposits for January to see if an amount matching the missing check is there?I suggest you take a look at the waiver form to see exactly what is being agreed to. Personally, if this is the form SS needs I would sign the form even if the wording was not exactly the circumstances.Good luck, Bob
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