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To answer your question directly, yes you can make her a joint owner on the checking account where your Social Security and Federal Retirement Annuity payments are deposited. Once the money goes into your account, the source of the funds ceases to be important.
However, absent establishing a Living Trust, I suggest that you consider that you have a "Durable Power of Attorney" prepared, which would allow your daughter (if that is your wish) to manage your other bank & securities accounts while you are alive should you become incapacitated.
You can either make the "Durable Power of Attorney" effective immediately, or upon a medical
doctor certifying that you are no longer able to manage your financial affairs. The "Durable" aspect covers that possibility.
How you structure that depends upon the number & relationship among your beneficiaries
and who you trust to carry out your wishes should you no longer to be able to do so.
Also, despite the fact that you have TOD & POD accounts, you should also have a will to take care of anything you might own in your own name, that may "slip through the cracks" down the road. Not only does the will cover the disposition of your property
not otherwise taken care of, but it fixes the responsibility for winding up your affairs, paying your final expenses and taking care of any lingering bills, etc. The reason that this is necessary is that the "Durable Power of Attorney" ceases to be effective upon your death and is no longer of any use. Most people would make their Executor (or Executrix), the same individual
as your Durable Power of Attorney.
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