In advance of the certification of payment of an individual’s benefit to a representative payee under paragraph (1), the Commissioner of Social Security shall provide written notice of the Commissioner’s initial determination to certify such payment. Such notice shall be provided to such individual, except that, if such individual—
(I)#
is under the age of 15,
(II)#
is an unemancipated minor under the age of 18, or
(III)#
is legally incompetent,
then such notice shall be provided solely to the legal guardian or legal representative of such individual.