408.704—Who must make reports?
        
        (b) 
         If you have a representative payee, and you have not been legally adjudged incompetent, either you or your representative payee must make the required reports.
    
    
        
        (c) 
         If you have a representative payee and you have been legally adjudged incompetent, you are not responsible for making reports to us; however, your representative payee is responsible for making required reports to us.