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Your mom's concerns are valid. However, whether you put the money in a safe deposit box or your bank account, you are required by law to disclose these funds to Social Security Administration. Failure to report these funds, if Social Security Administration discovers the information, would be grounds for assessment of overpayment on you. That is, Social Security Administration may ask you to pay back the benefit payments that your have received during these five months. You could also be persecuted for benefit fraud.
I am sorry that I do not have the answer that you were seeking. However, as an Attorney and an Officer of the Court, I have ethical and professional obligation to provide you with the correct information eventhough that is not the information you want to hear.
Thank you for your understanding.