I have also received a letter from social security wanting the funds returned. I have saved it in a account but it is attached to mine. We have just taken me off her account so she is the sole owner.. I can transfer these funds to her account. Would that make these funds safe from being returned?

Hi. My answer assumes that you've been acting as representative payee for your daughter and that she is now age 18. If Social Security has asked you to return conserved funds, you shouldn't transfer the funds to your daughter without Social Security's authorization. Social Security can permit a former payee to transfer conserved funds directly to a capable beneficiary rather than returning them to SSA if it serves the best interest of the beneficiary, but whether or not to authorize such a transfer is decided on a case-by-case basis. For more information, refer to the following section of Social Security's operations manual: https://secure.ssa.gov/apps10/poms.nsf/lnx/0200603055.

Best, Jerry