How to update your name after marriage
1. Change your name with Social Security first
The IRS compares the name and Social Security number on your tax return to Social Security Administration (SSA) records. Updating your name with SSA helps prevent processing problems and refund delays.
Visit the SSA’s website to see whether you can complete the request online or need to schedule an appointment. If you can’t use the online application, complete Form SS-5 for your replacement Social Security card.
You’ll need to provide proof of identity, your new legal name, and the reason for the name change. You can see the list of documents you may need on the SSA’s website.
2. Update your employer’s records and Form W-4
Next, notify your employer’s payroll or human resources department so your employment and tax records show your new name. This ensures your earnings are credited to your Social Security record and avoids discrepancies on your tax documents.
The IRS also recommends giving a new Form W-4 to your employer within 10 days of marriage. If you and your spouse both work, this could move you into a higher tax bracket. You can use the IRS Tax Withholding Estimator to determine the correct withholding amount.
3. Use the name that matches SSA records on your tax return
Once you’ve updated your name with SSA, you’ll use that name on your tax return. If you haven’t updated your Social Security records yet, use your former name when filing. If the name on your return doesn’t match your SSA records, it can delay processing and your refund.
On a joint return, each spouse’s name and Social Security number should match their SSA record. You and your spouse don’t need to have the same last name to file jointly.
4. Check state requirements and update your address if needed
Finally, you should check with your state’s tax agency for instructions on updating your name. If you recently moved, you can notify the IRS of your new address using Form 8822. However, this form only updates your address with the IRS and doesn’t replace changing your name with SSA.
Does changing your name affect your filing status?
Changing your name doesn’t affect your filing status, but your marriage does. If you’re married on December 31, the IRS considers you married for the entire tax year.
Married couples can choose between married filing jointly and married filing separately. You can still file jointly even if you decide to keep your original name or haven’t yet updated it with SSA.
