When you get married, it’s common to change your last name. If you decide to do this legally, it’s crucial to apply for a new Social Security card with your updated name. This step is essential not only to keep your documents in order but also to ensure that your earnings record is accurately maintained. Informing your employer about this change is equally important to avoid any future issues with your benefits.
Your earnings history is fundamental for calculating your future Social Security benefits. If you have reported income under a different name and haven’t updated this information, it could lead to errors in your earnings record.
How to apply for a new social security card
Addressing these errors now, at the time of your name change, is much easier than trying to resolve them years later when you retire. Mistakes in your earnings record can delay the receipt of your benefits.
To change your name on your Social Security card, you’ll need certain documents. A detailed list of the required documents and the application form can be found at www.socialsecurity.gov/ssnumber. You can also call 1-800-772-1213 (TTY 1-800-325-0778) for more information and assistance with the application process.
Recognition of same-sex marriages
Following the Supreme Court’s ruling in Obergefell v. Hodges, which guarantees same-sex couples the right to marry nationwide, Social Security has updated its policies to recognize more same-sex marriages in determining eligibility for benefits and Supplemental Security Income (SSI).
A common question is how marriage affects your Social Security benefits. According to updated guidelines, Social Security employees now have clear instructions for processing claims and appeals involving marital status. If you are eligible for benefits, it is important to file your application to ensure you receive what you are entitled to.
Impact of marriage on different types of benefits
The Internal Revenue Service (IRS) has clarified that marriage does not affect your Social Security disability or retirement benefits. According to the IRS website, “If you receive Social Security disability or retirement benefits and you marry, your benefit will remain the same.” However, other benefits such as SSI, survivor benefits, divorced spouse benefits, and children’s benefits can be affected.
Updating your marital status in Social Security records is a process that should be done carefully. Here are the steps to do so:
- Gather the necessary documents: These may include your marriage certificate, a valid ID, and any other documents that prove your name change.
- Complete Form SS-5: This form is used to apply for a new Social Security card. You can find it on the Social Security website.
- Submit your application: You can mail your application or take it in person to your local Social Security office.
Tips to avoid future problems
It’s advisable to also update other important documents, such as your driver’s license, passport, and bank records when you change your name. This will help avoid confusion and ensure that all your documents are consistent with your new name.
Keeping an accurate record of your earnings and marital status is crucial for planning your financial future. Make sure to periodically check your Social Security earnings record to verify that all information is correct. This can help you identify and correct any errors promptly.
If you have questions about how to change your name or how this might affect your Social Security benefits, consider consulting with a tax advisor or a family law attorney. They can offer specific guidance and help you navigate the process more efficiently.
Changing your name upon marriage is an important step that requires careful attention to detail.
Ensuring that your new Social Security card accurately reflects your new name and informing your employer are critical actions to keep your earnings record accurate. This will not only prevent short-term issues but also ensure that you receive the appropriate benefits in the future. Stay informed and plan ahead to ensure a smooth and problem-free transition.
