How to Complete Your Social Security Name Change

Before embarking on the update process, ensure you have the necessary documentation to support your name change. The SSA requires specific documents depending on your situation. Here’s a breakdown:

• Proof of Your Identity: Present a current, unexpired government-issued ID, such as a driver’s license, passport, military ID, or health insurance card.
• Proof of Your Citizenship: If the SSA doesn’t already have your citizenship documentation on file, you’ll need to provide a birth certificate (showing U.S. birth), a naturalization certificate, or a certificate of citizenship.
• Proof of Your Name Change: This is the most crucial document. Acceptable forms include:
  • Marriage Certificate: If you’re taking your spouse’s name after marriage.
  • Divorce Decree: If you’re reverting to your former name after divorce.
  • Court Order: If you’ve legally changed your name through a court proceeding.
  • Adoption Decree: If you’ve been adopted and want your name to reflect the adoption.

Important Note: The documents you present must be originals or certified copies issued by the agency that granted the name change or birth certificate. Photocopies or notarized copies are not accepted. Ensure you have original documents or copies certified by the agency that issued them.

Providing proof of identity is essential. Acceptable forms include a driver’s license, passport, military ID, or health insurance card.

With your documentation in order, you have two options for updating your Social Security card.

1. Online Application: The SSA offers a convenient online application process for U.S. citizens and permanent residents aged 18 or over. You’ll need to create an account on the SSA website, have your documents scanned and uploaded, and follow the on-screen instructions. The Social Security Administration is responsible for processing name changes.
2. In-Person Application: Visit your local Social Security office to submit the necessary documents and expedite the name change process. Use the SSA’s online office locator to locate your nearest office. Be prepared for wait times, especially during peak hours.

Processing Time: Allow 10-14 business days for the SSA to process your application after receiving your documents. You’ll receive your new Social Security card by mail.

While changing your name on your Social Security card offers benefits, there are also some considerations.

Pros

• Consistency: Having your legal name reflected on all your documentation helps avoid confusion and potential issues.
• Accuracy: An updated Social Security card ensures your earnings are properly recorded and credited to your account. This is crucial for future Social Security benefits.
• Control Over Your Identity: Updating your name allows you to officially use your chosen name in all aspects of your life.

Cons

• Administrative Burden: Gathering documents and completing the application process requires time and effort.
• Potential Delays: There may be a wait time for processing your application and receiving your new card.
• Updating Other Records: Once your Social Security card is updated, you’ll need to update your name with other institutions like your bank, employer, credit card companies, and government agencies. This can be a time-consuming process.
• Potential Tax Issues: If you’re self-employed and file taxes under your former name, you’ll need to inform the Internal Revenue Service (IRS) about your name change to ensure accurate tax filing and avoid potential issues during tax season.

Finding the Right Balance

Weighing the pros and cons allows you to make an informed decision. If your reasons for changing your name are strong, the benefits of consistency and control over your identity often outweigh the temporary inconveniences.

The SSA website offers a wealth of information on the name change process, including downloadable forms and FAQs.

• SSA National 800 Number: Call 1-800-772-1213 (TTY: 1-800-325-0778) to speak with a representative. Be prepared for wait times during peak hours.
• Local SSA Office: Visit your local office for in-person assistance. You can locate your nearest office using the SSA’s online office locator.
• Social Security card center: Individuals can also visit a Social Security card center to submit proof of identity and complete their name change application in person.

Additional Considerations

• Name Change Fees: No fees are associated with changing the name on your Social Security card.
• Multiple Name Changes: The SSA allows you to change your name on your Social Security card multiple times as long as you provide legal documentation for each change.
• Lost or Stolen Social Security Card: If your Social Security card is lost or stolen, you must report it to the SSA and apply for a replacement card. The process for replacing a lost or stolen card is similar to the name change process, but you won’t need to provide proof of your name change.

Updating your Social Security card is an important step in reflecting your legal name change. By following the steps outlined above, gathering the necessary documentation, and utilizing available resources, you can navigate this process smoothly and ensure your identity is accurately represented.

People who change their names typically need to do it in more than 20 places. Consider getting a personalized Name Change kit that includes everything you need. This comprehensive solution saves you time and ensures no important steps are missed, making your name change process seamless and stress-free. Get your Name Change kit today!