New answer is that I don't know why she thinks there is a time limit or if this is a minor child or an adult.

Best new answer is I don't know.

But my answer about SSI for a disabled child was spot on. Just not for this poster.

I think the lady at Soc Security gave me some misleading info when I was asking questions, and it wouldn't be the first time.

I kind of panicked because she made it seem like the lump sum money had to be spent in a year or it goes back to SS and I think she meant, you have to pay it back if they don't approve what you spent it on.
I am cool with it now and think I "get" it...

Does anyone know if the process to keep your receipts and vouch for the money is intense, or like an audit or are they overworked and if it sounds legit, then they don't question (I guess I'm paranoid now)

Thank you for all your help everyone.