218 Comments

It's that time of year again. The time when we all look up, see the date on the calendar and think "oh no. Taxes are due how soon? Arrrrghhhh!"

The last thing on your mind right now—now that you've noticed the date—is working on changing your name. "That can wait for a while," you might be thinking. "I need to find those receipts and that W-2 and wait… am I filing taxes alone or are we filing together? How do you even do married taxes?"

Let's leave the "how do you do married taxes" question for another time. For now, let's just impress upon you that this is not the time to stop working on getting your name changed. In fact, now is the time when you want to ramp up your name change, particularly if you haven't yet changed your name with the Social Security Administration.

IMPORTANT: You cannot file your taxes under your new married name until you have legally changed your name with the Social Security Administration.

ALSO IMPORTANT THOUGH LESS FUN: If you are divorced and have taken back your maiden name (or taken on a new name altogether), the same rule applies.

The name you give to the IRS and the name on file with the SSA has to match.

This is because the IRS verifies the information you put on your taxes with the information on file with the Social Security Administration. If it doesn't match badness ensues, such as a potential delay in receiving any tax refund that you're entitled to.

The IRS may simply decide that, since the information doesn't match, it will not process your taxes. Because this is the "busy season" for them, you might not receive notification about this until well after the deadline for filing has passed. Failure to file is not a boat in which anybody wants to sit.

If the IRS does process your taxes, it may decide to hold on to your return until the name on file with the SSA matches the name you entered on your forms. Again, it might take weeks for this decision to be communicated to you. This is not helpful if you had big plans for your tax return!

You could get entangled in weeks of red tape, forms and headaches as you work to get the Social Security office and the IRS on the same page. And believe us, getting everybody on the same page is going to be your responsibility. These agencies merely process forms and hunt down errors. Fixing the errors is not in either of their wheel houses.

Nobody wants to deal with all of that.

Usually, changing your name with the SSA isn't that big a deal. You simply mail in the correct form, legal proof of your name change (a certified copy of your marriage certificate or divorce decree should suffice unless you live in a state where more steps need to be taken) and wait for your new card to arrive in the mail. Pretty easy, right?

Sorry, not today!

Because it's later in March and your taxes need to be filed by April 15, there is no guarantee that the SSA will receive your paperwork and get your name change processed in time. You're going to have to go down to the SSA office and change it in person.

Changing your name is one of those things that feels like a giant hassle. It's understandable that you'd want to put it off for as long as possible. Luckily there are things that you can use to help streamline the name change process. If you wanted, you could even get almost all of your name changing done (or at least set the wheels in motion) in a single day.

What matters is that you don't put it off. Putting it off, like most things that feel like a giant hassle, only makes the problem worse. Once you get started you'll see how little of a hassle the process actually is.

In this case, the good news is that, because you're actually going to the office, the system should process your name change within a day or two. Hooray!

Still, you'll want to wait at least ten business days before you actually file your taxes, just to give the SSA some wiggle room. That's okay though: you need that time to find your receipts, W-2s and fill out your forms!

218 Comments

  1. Brittany Eblin

    My society security number matches what i filed under but my w2 has my married name on it, will that mess something up?

    Reply
    1. Valera

      Hi Brittany. If the name you're using matches the SSA and IRS records, you're good to go.

      Reply
  2. Emily

    I filed my taxes under my new married name. My married name and txes my SS # and my taxes have been approved. My bnk account thy I am having my return sent to is under my maiden name. Will the return still be deposited into my account as scheduled? Thank you for your help.

    Reply
    1. Valera

      Hi Emily. IRS verifies against the bank name, routing, and account number for tax refund direct deposits. If there's going to be a rejection, it would likely be on your bank side, so you'll have to contact your bank to find out if they'll let a name mismatch go through.

      If direct deposit of your refund does fail, the IRS will automatically be notified, then they'll postal mail you a paper check.

      Reply
  3. Candace

    I changed my last name back in April 2015 so well before filing this year. I received my new social security card in April as well. Even my employer updated my W2 to match my new last name. However when I filed and was accepted on January 19, 2016 I thought all was fine. However the IRS is saying there is a delay on processing my return and the only thing they could see that's possibly causing the delay is my last name. Although it was verified with SSA. Is this normal? Can delays still happen although everything was done well before time? How is this possible?

    Reply
    1. Valera

      Hi Candace. When you update with SSA, they'll notify the IRS of your name change. Because your application was accepted doesn't necessarily mean that there isn't a name mismatch. It's possible your record wasn't updated. You can get in touch with the IRS (800-829-1040) and get clear confirmation if your name (letter by letter) is or is not correct in their system.

      Reply
  4. Crystal

    Question i filed head of household as i always do…me and husband separated i never changed maiden name on ss card but my bank card had my married name because of liscense my return was returned to irs by bank now they say im under review how long should this take

    Reply
    1. Valera

      Hi Crystal. Amendments can take 8-12 weeks, but you can try phoning the IRS (800-829-1040) to see if they can expedite a name correction, as that seems to be what you're experiencing—using a name that differs from what's on your SS card? If that's not the case, please clarify.

      Reply
  5. Nicole

    I got married a few years ago and only changed my state ID to my married name. I never changed my SS because i didn't know i had to, plus we're seperated but not divorced. I filed and it was under my maiden name but state id says married name. Is there going to be a problem because of this. My return has beensaying in process for like 3 weeks now

    Reply
    1. Valera

      Hi Nicole. If there's a problem/delay, it wouldn't be because of your name. You're using the right name, which is what the SSA and IRS have on file.

      Reply
  6. Briitney

    I got married in November 2015 and changed my name with the social security office soon after. I was misinformed and thought I needed to show my employer my license which I didn't change until Jan 2016. They didn't have my updated info and my W-2 came in my maiden name. My employer just said to file my taxes and it would be fine but from what I'm reading, I might be in trouble here. I asked about the W-2c form and they said that's only used if my wages were wrong. What should I do?

    Reply
  7. Clari

    I got married in July 2015 and took my husband's last name but have not changed my social security number yet and have yet to update the banking information. Can I file my taxes with my maiden name and file as married jointly? Since we are expecting a refund, should I change my SS# after I file and immediately update my bank information so that the tax return is not denied by my bank? What order should I do this in?

    Reply
    1. Valera

      Can I file my taxes with my maiden name and file as married jointly?

      If you're in a time crunch, you can wait to change your name, then file using your maiden name only. You'll use your maiden name even if filing jointly.

      Since we are expecting a refund, should I change my SS# after I file and immediately update my bank information so that the tax return is not denied by my bank? What order should I do this in?

      Your SS number stays the same after a name change. If you're referring to the name on your social security card, you can wait until your refund is deposited, then change your name with the SSA and your bank.

      Reply
  8. stephanie

    I filed taxes using my maiden name and went to the social security office a few days after to change to my married name. Will this affect my tax refund with the IRS since I changed my last name after I filed taxes?

    Reply
    1. Valera

      Hi Stephanie. It shouldn't be a problem, as you completed the name change after, not before, you filed.

      Reply
  9. Jessica

    One of my dependents had one last name all off last year except for the last 12 days or so in December, but did not change with SSA until after the 1st of the year, when I filed my taxes on Feb 4, 2016 I did not change the persons last name to the new last name, can this affect my return?

    The WMR says that they are being processed but they were accepted on the 5th.

    Reply
    1. Valera

      It could possibly affect your return. Are you seeing a personalized refund date yet? It could take up to 21 days to determine if your refund is accepted. When it exceeds 21 days from the date you filed electronically, you can contact them to see the status of your refund.

      Reply
  10. vanessa

    Hi my husband and I have been married for only two months now, I changed my name with the Social Security on Feb 2nd,2016. He filed his taxes as married but filed seperately and he put my maiden name. He filed on Feb 5th,2016.
    Will that delay anything? or should he contact Turbo Tax which is how he did his taxes or contact the IRS?

    Reply
    1. Valera

      Hi Vanessa. It's possible you may face a delay. TurboTax's website provide instructions for how to correct a filed return, if you've used their software. You can also try phoning the IRS to determine if you'll need to submit Form 1040X to amend your tax return.

      Reply
  11. Kim

    I changed back to my maiden name last month and have not filed taxes yet. My w2 form has my married name. Which name should i file my taxes with? Also, do you know how it will affect my child's fafsa application?

    Reply
    1. Valera

      Hi Kim. Married name. Shouldn't affect FAFSA as long as the current name is used.

      Reply
  12. Samantha

    I just noticed my tax preparer has been using my maiden name the past 3 years on my tax returns. I brought it to his attention but he made it seem like it's not a big deal because it went through- and it wouldn't have gone through if it didn't match. However, I know it's been changed, and I have had my new ss card with my married name on it. Is there anything I need or should do, or is it ok like he said?
    Thanks!

    Reply
    1. Valera

      Hi Samantha. If it went through, then you're okay. For future submissions, it's best to use the current name reflected on your SS card.

      Reply
  13. Maria Forness

    I got married in February of last year and almost immediately got my last name changed on my Social Security card, but have yet to change my name on my drivers license or any others like mortgage. Would I file my taxes under my new married name? And would not having it changed on my license/bills affect anything?

    Reply
    1. Valera

      Would I file my taxes under my new married name?

      Yes.

      And would not having it changed on my license/bills affect anything?

      No.

      Reply
  14. Cokie

    I got married in December 2015, but just changed my name through the SSA on 3/10. The W2 has my maiden name on it. I've notified my employer of the name change which they cannot process till the new card comes in. Should I be filing my taxes with my married name or my maiden name, since the taxes are for 2015? And how long does the name change on the W2 take, do I need to wait for it to file?

    Reply
    1. Valera

      Hi Cokie. You'd file with your married name. It's unclear how long it takes SSA to alert IRS of a name change, but it is an automatic event. If you're having difficulty with your employer processing your name correction in a timely manner, you can get assistance from the IRS by calling 800-829-1040. This number is available after Feb 15 and is also good for those who need corrected W2's when an employer has gone out of business.

      Reply
  15. Kristin

    Hi there,

    I was married in Jan. 2016 and have changed my last name with the SSA. So, based on this article and the comments, I should file my taxes under my new married name, but does it matter that all of my tax documents (mortgage forms, W-2s, stockholdings, etc.) are still under my maiden name? Won't that also be confusing to the IRS, especially since I still technically have to file as "Single" based on the filing rules?

    Thanks for the help!

    Reply
    1. Valera

      Hi Kristin. Your W-2's may need to be updated, but it's not a given it'll be rejected as-is. In some circumstances, a name mismatch can undergo a manual review and allowed through without your ever knowing there was a potential problem. The IRS, along with the SSA, maintains a prior name history that can be referenced.

      Reply
  16. Sarah Smith

    I got divorced March 1st 2016 and changed my last name back to my maiden name right away – have gotten my new SS card with maiden name on it. Since I was married all of last year and W2 form has my married name on it, which name do I file taxes under this year??

    Reply
    1. Valera

      Hi Sarah. Maiden name. Try and get your W2's modified to reflect your maiden name to prevent a name mismatch.

      Reply
  17. Jen

    I got married 5 yrs ago and never changed my name on my social security card. Do I just have to fill out a form to get it updated?

    Reply
    1. Valera

      Hi Jen. Form SS-5. You can download it online or pick one up at your nearest SSA office.

      Reply
  18. Tonya

    I got married and separated in the same year (please don't judge) and I never changed my name. Can I file single or married filing separate?

    Reply
    1. Valera

      Hi Tonya. Your non-name change wouldn't affect your filing status. File as you previously did.

      Reply
  19. Isabel Manning

    I changed my name legally to my Married name, SS and all and filed with my married name but NYS sent me an IRS notice with my maiden name, should i be concerned?

    Reply
    1. Valera

      Hi Isabel. Best thing to do is to contact the NY State Tax Dept. and have them update your record.

      Reply
  20. tom

    we got married 15 years ago never got wife's named changed with SSA, getting ready to do so now. My question is when we do get it changed . will the IRS back date it to the date of marriage or go with the date they get notified?

    Reply
    1. Valera

      will the IRS back date it to the date of marriage or go with the date they get notified?

      Notification date.

      Reply
  21. Sarah

    I got married 5/7/2016 I changed my name with Social Security Administration and Drivers License. I have provided my employer with the necessary documentation 3 times and they still have not changed my name. Is there anything I can do?

    Reply
    1. Valera

      Hi Sarah. Your employer won't update your name within their internal records? If so, has a reason be given. If you need your W-2 to be properly updated, you can contact the IRS and have them initiate a W-2 complaint on your behalf.

      Reply
  22. Emily Bailey (new name Emily L Bailey)

    I am a retired employee of IRS and my pension check is direct deposited into my bank account.
    I need to change my name with the IRS Pension Dept. The bank said they can't do it you have to..
    My health insurance payments are deducted from my pension and I am unable to correct my name on my insurance card. I've been to the Covington officeon 4th St (this is where I worked and retired from) and to the Cincinnati office at 5th & Main. I was told they can't help me and don't know who I should contact. Please let me know how I can get this fixed. Thank you.

    Reply
    1. Emily Bailey (new name Emily L Bailey)

      I left a message. Where did it go? I need HELP to change my name on my pension and health insurance card.

      Reply
    2. Valera

      Hi Emily. Just to be clear, this site is not the IRS website, nor related to it, so if you need direct assistance you'll have to contact them direct. Having said that, are you saying the IRS only has reference to your old name? Have you updated your name with the SSA? They notify the IRS of a name change when your social security record is modified. When you tried to change your name on your insurance card, did you provide proof of your name change, such as an updated SS card and certified copy of your marriage certificate?

      Reply
  23. Emily Bailey (new name Emily L Kampsen)

    How do I get my name changed on my retirement fund? Change due to divorce.

    Reply
    1. Valera

      Hi Emily. Once you've changed your name with the SS office, contact your financial institution to change it with them. Gather information about what identity documents they require.

      Will they need only your social security number to run a name/identity check, or do they need additional credentials, such as a driver's license. How may credentials? If you can't supply all they need, will they accept secondary credentials?

      Will you need to supply proof of your name change, such as a copy of your divorce decree? Does the divorce decree need to be a certified copy or can it be a photocopy? Does your divorce decree contain an order from the judge restoring your name? If it does not, and they require it, can you get your decree modified? If you need to get your decree modified, but can't, how will they accommodate you?

      Will they need to permanently keep copies of your certificates (e.g., birth, divorce) or will you be able to retain them?

      Can you change your name with them by phone, mail, online, or in-person. Each institution's procedure is their own, and you'll have to follow what they've put in place.

      Reply
  24. Darlene Joe

    My husband n I are Married but I have NOT changed my last name yet and can we still file "Married this 2016 Tax Year?" or do I need name change ?

    Reply
  25. Jenna Buchanan

    I'm getting married Dec 17,2016 but I want to go ahead and start my taxes shorly after that, If I file taxes before I get my name change will it get delayed by waiting to change my name and social security info until I am approved for taxes?

    Reply
    1. Valera

      Hi Jenna. Since the SSA notifies the IRS when their records reflect a name change, the transition should cause a problem. Still, you may want to get in touch with an accountant or query the IRS's toll-free line for assistance.

      Reply
  26. Arica Malone

    Ive been married for 3 years but now recently separated since March of 2016. Do I need to alert the IRS and how should I file now. Note I never had my last changed

    Reply
    1. Valera

      Hi Arica. If you have a decree of separation maintenance before 2016 ended, then you may be able to file single. Otherwise, you'll be considered married and can opt to file as married filing separately.

      Reply
  27. Ashely banks hammonds

    I have just gottan married in july of 2016 i havent changed my last name on anything and we are filing separately can i still use my maiden name

    Reply
    1. Valera

      i havent changed my last name on anything and we are filing separately can i still use my maiden name

      Yes, that's the name you would have to file under.

      Reply
  28. Karen

    I am a caregiver, and my client just informed me that although he legally changed his name over 10 years ago, his accountant has been filing returns with his old name. My client showed me his proof from the Social Security office of the name change. When I asked my client why the accountant says she's filing his returns using his former name, she says it doesn't matter and that it goes by the social security number not the name of the person, which is the most ridiculous thing I've ever heard. Thoughts?

    Reply
    1. Valera

      Hi Karen. The Social Security Administration keeps a history of all name changes. Anytime a name change occurs, the IRS is notified. They're kept in sync. When taxes are filed and a name mismatch occurs that can't be resolved programmatically, it has to be manually reviewed. During the manual review, it's likelier than not the agent is able to see why there's a slight mismatch and will just push it through. It wouldn't be surprising if his record has been notated to reflect this.

      Reply
  29. Jessica Leinbach

    I got married on 1-4-17 and have changed my last name with the SSA. When I file my 2016 tax returns (as single) would I use my maiden name since I was single in 2016 or my married name since my name has now legally changed.

    Reply
    1. Valera

      When I file my 2016 tax returns (as single) would I use my maiden name since I was single in 2016 or my married name since my name has now legally changed.

      Married name.

      Reply
  30. Tabitha castline

    Got married in 2016 but haven't changed my last name with ss yet but w2s came with married name and my bank and I.d. has married last name on it do I file married with Maiden last name or single with maiden last name… Before I file taxes

    Reply
    1. Valera

      Hi Tabitha. Taxes are filed matching the name on your SS card. You can try to get your W2's amended.

      Reply
  31. Vanessa Cordova

    I got married January 22,2016 and changed my last name with the SSA not too long after but haven't changed my last name with the DMV, my w-2s will have my married last name on them, since this will be our first time filing taxes since we got married so we just wanted to know can my husband and I still file separately as we always have been before we got married or now that were married and I changed my name we have to file together?

    Reply
    1. Valera

      can my husband and I still file separately as we always have been before we got married

      Yes, it's called "married filing separately."

      Reply
      1. Vanessa Cordova

        Even if I changed my name with the SSA I can still file separate from my husband? I only ask cause my tax preparer said since I changed my name we have to file together.

        Reply
        1. Valera

          Even if I changed my name with the SSA I can still file separate from my husband?

          Yes, you have two options: married filing separately or married filing jointly.

          Reply
  32. Kaycee

    I changed my last name on December 29th 2016. I never received a new social security card. I applied for a credit card about 3 weeks after my name change and it was unable to find my information. When I used my maiden name it went through without any problems. For that reason I used my maiden name for our taxes. The taxes were accepted – does that mean my name doesn't appear to have been changed?

    Reply
    1. Valera

      The taxes were accepted – does that mean my name doesn't appear to have been changed?

      That appears to be the case. You'd have to contact the SSA to determine for sure if they even received your documents.

      Reply
  33. Janelle

    My husband and I got married in September, and all my forms are still my maiden name as I haven't changed it with the SSA. When I got put on my husband's insurance, they mistakenly changed my last name to his, and on the insurance form for taxes he got back from his employer it lists my married name, not my maiden name like my other tax forms. Will this be an issue?

    Reply
    1. Valera

      Hi Janelle. It may be an issue. Your husband can request his employer correct their records and reissue the documents.

      Reply
  34. Kristen

    Hi, I got married in July 2016. I have not changed my name with the ssa or any where else. Would I still file single since I haven't changed my last name any where?

    Reply
    1. Valera

      Would I still file single since I haven't changed my last name any where?

      Your name change (or non-name change) wouldn't impact how you file. Although you have to specify your marital status as married, you can opt to file as married filing separately.

      Reply
      1. Nina

        I was married on 4/15/2001 and became a victim of identity Theft in 2010 and 2011 and they continue to make me file in my maiden name.my ssa , drivers license and my whole life is under my married name. However I sent all my verifications in to them. I filed my married name instead of my maiden name by mistake on tt this year. Will this delay me? I have a pin they send me each year to use and I did. Also my driver's license and social security card I sent them has my married name on it. Will they make me amend or send the same info in again? Please help

        Reply
        1. Valera

          Hi Nina. The IRS goes by what's on your social security record, so I don't see where a problem will arise.

          Reply
  35. warren

    Me and my wife got married but she has not changed her last name yet so she wanted to know how she would file . Would she put single or married

    Reply
    1. Valera

      Would she put single or married

      She'd put marital status as married, whether or not her name has changed.

      Reply
  36. Jessica

    I got married in January. I filed my taxes under old name, they've been excepted online. Can I change my name now? Or do I need to wait til I actually get my return?

    Reply
  37. Taisha

    Hi, I tried filing my taxes electronically and they were rejected because I got married and never changed my last name with the SSA. I went and changed my last name and they said it would update overnight and the IRS would be able to see it the next day. I tried to file again the next day and it still rejected it with the same error, I not have time to mail it in what should I do?

    Reply
    1. Valera

      Hi Taisha. You can contact the IRS to inquire. If it was successfully changed with the SSA, they do auto-notify the IRS to update their records.

      Reply
  38. Caroline

    I received my divorce decree and changed my name 24 hours later.
    Unfortunately this happened in November, so my W-2's have my married name and not my maiden name I got back. My name is changed on my SS and DL. I have to file as my maiden name. Will it matter my W-2's are with my married name?

    Reply
  39. janell

    I filed my taxes under maiden name they have been accepted by the IRS.. Can I go in and change my ss to married last name.. If so will it effect my return?

    Reply
    1. Valera

      Hi Janell. You can change it. The SSA will notify the IRS when your name is updated to keep both institutions in sync.

      Reply
  40. RitaRené Morton

    I got divorced and I change my name back to my maiden name but all my W2 say my married name I see that you're saying we need to file a w-2c form with all of my employers but do they give that corrected form to me or do they file it themselves and I still use the W-2 forms they gave me? Also is the form going to be exactly the same except with my corrected name and if so can I already file my taxes with all the same information and just Mark that they are corrected W-2 when I file online? Or do I have to actually wait to get all need W-2s from all of my employer's?

    Reply
    1. Valera

      I see that you're saying we need to file a w-2c form with all of my employers but do they give that corrected form to me or do they file it themselves and I still use the W-2 forms they gave me?

      Your employers will not submit the W-2C to you. They'll file it themselves and reissue you a corrected W-2.

      Also is the form going to be exactly the same except with my corrected name and if so can I already file my taxes with all the same information and just Mark that they are corrected W-2 when I file online?

      Other than the correction, they'll be the same. If you're confident you'll get the corrected W-2 before tax day or when you have to file, then it's a good idea to wait. If you don't think you can get it in time, you can request an extension. If you can't wait and must file with the old W-2, you can submit an amendment later.

      Reply
  41. Monica Stroud

    Hello I'm wanting to know if me and my husband got married Aug 5 2016 so we have to file together?

    Reply
    1. Valera

      Hi Monica. No, you don't have to file together. Both of you can file as "married filing separately."

      Reply
  42. Andre Gill

    I have a question I got married in 2016 of November and I have not received my wedding Marriage certificate nor have my wife changed her name with social security so when we file can we still file married or Jointly?

    Reply
    1. Valera

      Hi Andre. You'd mark your marital status as married. How you file, is a separate matter. You can file married filing jointly, or married filing separately.

      Reply
  43. Holly

    I was notified by the IRS that I never filed a return in 2012. I have since been divorced and been going by my maiden name for the last 4 years. The information on my 1099 form under 2012 transcript shows my married name. What name should I use on my W-2?

    Reply
    1. Valera

      Hi Holly. You'd use the name that matches what's on your most current social security card.

      Reply
  44. Calley

    Hi, I got married in May of 2016. I filed with Social Security and changed my name over in July 2016. I filed jointly with my husband and used my new married name. I e-filed our return on Feb. 1st 2016 and it still shows processing. Would there be a reason why it is taking so long? We only had W2's for our return. However one of mine still had my maiden name on the W2. Could this be what is holding up the return?

    Should I try and send in a paper file return with a copy of my marriage certificate and the W2's?

    Reply
    1. Valera

      Would there be a reason why it is taking so long? We only had W2's for our return. However one of mine still had my maiden name on the W2. Could this be what is holding up the return?

      This name mismatch could be a reason. Your return could be flagged for manual review. Whether it'll pass or get rejected is unclear. You'll have to contact the IRS to determine the status.

      Should I try and send in a paper file return with a copy of my marriage certificate and the W2's?

      A corrected W2 would make sense.

      Reply
  45. Jocelyn

    I have a question, I got married January 2017. Do I file my taxes on my own or should I file joint with my husband? I've heard that if I file joint I may have issues with the IRS since I wasn't married in 2016 for the year that I am filing taxes.

    Reply
    1. Valera

      Hi Jocelyn. You can do either. You can file as married filing jointly or married filing separately.

      Reply
  46. Yolanda

    I have question I changed my last name with the SSAafter being married that was in September 2016 I filed my taxes on 2/14/17 as did my husband his refund has been approved mines however is still in the processing stage I'm worried that I may still have to verify my identity should I call them?

    Reply
    1. Valera

      Hi Yolonda. Delays could be the result of a name mismatch, such as the name on your SS card not matching what you submitted. If not that, then it could be for a variety of other reasons. You may have to contact them to get the current status.

      Reply
  47. Laura C. Perez

    I have a question I changed my last to my married name back on October 2016. Also did changes on Drivers License and SS card and my passport. Everything matches including my W2, now this is my first year filing jointly with my husband. Will I have a delay on my return this year by being my first time filing together. I called because I filed my return on 2/21/2017 it was received and accepted that same day. Now I called and they told me it was going to take an additional 2 weeks to process the return. What can the problem be?

    Reply
    1. Valera

      Hi Laura. There doesn't appear to be a problem. If you're expecting a return, it could take up to three weeks, which is not abnormal. You can look up the status of your refund using the where's my refund tool on the IRS website.

      Reply
  48. Stephanie

    If i got married in August 2016 and have not changed my name on anything including Social Security can I file single or do I have to file married? Everything we own is in my name and his name is not on anything. I read that if we file married filing separately he has to itemize as well yet he has nothing to itemize.

    Reply
    1. Valera

      Hi Stephanie. You can't mark single, as that's no longer applicable to you. You must mark your marital status as "married", although you can file as "married filing separately" instead of "married filing jointly."

      Reply
  49. Alk

    I am married and when I efiled it wouldn't take my married name only my maiden name and w2 s are under my married name. Now it's under review. What will they do

    Reply
    1. Valera

      Hi Alk. It'll undergo manual review. If they're unable to resolve it on their end, you'll be contacted to make corrections.

      Reply
  50. Shareasa

    Hi, I got married in September 2016 but haven't yet changed my last name bc I'm doing a wedding ceremony on our 1 year anniversary and that's when I would have officially changed everything. My W-2 has my maiden name and so does my SS card. Can my spouse & I file our taxes as single or should we do married filing separately?

    Reply
    1. Valera

      Hi Shareasa. You wouldn't file as single. You'd either file as married filing separately or married filing jointly.

      Reply
  51. Julie

    I haven't change my name through social security yet, but I filed taxes under my married name. my taxes were rejected..I'm going to change my name tomorrow what would the next step be to make sure I get my refund?

    Reply
  52. Lora Morales

    My husband and I were married 2 years ago but I have not changed my name to my married name. We would like to file jointly this year are we able to do this? Or does my name have to be changed to my married name?

    Reply
  53. Jaden

    Hi I married my husband in 2015 and haven't gotten my name changed can we still jointly or do we have to file married but separate.

    Reply
    1. Valera

      Hi Jaden. You can file as either married filing jointly or married filing separately. Whatever you choose, you must specify your marital status as married.

      Reply
  54. Jennifer Henderson

    My mother filed my taxes through Tax-Act – When she entered my name she put in my maiden name instead of my married name. I have had 2 last names since my maiden name was used filing taxes. My return was accepted by the IRS and I already received my refund. Do I have to notify them of the error or just file my return next year using the correct last name?

    Reply
    1. Valera

      Hi Jennifer. You can file it next time with the correct name. When there's a name mismatch, the record is flagged for manual review. When a human looks at it, they can often bridge the two names and allow the return to go through.

      Reply
  55. Kelcey

    Hi, I got married and haven't changed my name. I have filed my taxes already under my maiden name. I was wondering if I decided to go and change my name now before getting my refund, will it mess up my refund or delay it in any way…. Thanks

    Reply
    1. Valera

      Hi Kelcey. When you change your name with the SSA they'll notify the IRS. It shouldn't negatively affect your refund as the two agencies work in concert with one another and understand that name changes are a frequent occurrence year round. Something to consider is if you change your name with your bank and your refund check is cut in your maiden name, will you have trouble depositing it? Most likely no, but something to think about and perhaps ask your bank about.

      Reply
  56. Sofia

    Hi,
    I got married in February of 2017. I also changed my name to my married name in March. I have already filed my taxes but I filed my taxes under my maiden name and single. All of my W2's and 1099 show my maiden name. Will there be an issue with my taxes?

    Reply
    1. Valera

      Hi Sofia. If there's a name mismatch, which it appears there will be, the return will be flagged for manual review. When a human looks at it they can probably tell the mismatch is due to a name change, so it may be allowed to go through. This isn't guaranteed. It's possible the return won't go through and you'll be asked to correct it.

      Reply
  57. Rowena Sta Cruz

    Hi, i got married in12/29/16 and had my name changed with SSA on 04/14/17. I have received my new SSN with my married name and the date i requested the change reflects in the card also (04/14/17)I believe IRS will automatically be updated but i am not sure how soon will their record be updated. However, my 2016 ITR was filed on 04/17/17 (3 days after name changed with SSA) and has my MAIDEN name still, as well as my W2 and 1099..will there be a problem on that? i will
    really appreciate your reply..Thank You.

    Reply
    1. Valera

      Hi Rowena. If a name mismatch occurs, it can be manually reviewed instead of arbitrarily rejected. Manual reviews often catch these things, so if you're not alerted to a problem, there isn't a problem.

      Reply
  58. MC

    Hi..my daughter was married to an Englishman, in England, August of 2016. She filed her 2016 Federal tax return before the April deadline, in her married name. She had already changed over her DL, passport, etc., but forgot to change her name with Social Security. The IRS told her that her return was rejected because she hadn't changed her name with SS, so she went to the local office, completed the name change, and after about a week she received her new SS card in the mail. She then contacted the IRS to find out if they had received the update and to find out when her refund would be processed. She was told it wouldn't be processed until July, and now that it is July, she's called multiple times and each time she does, she gets a different response. Here's a sample of the responses: "It isn't showing it's been processed" "There isn't a hold on it, it just hasn't been done yet" I input your name change manually so it'll be processed" "It's still showing your maiden name" "I'm not seeing the name change with the social security administration". Any thoughts, please? Thank you

    Reply
    1. Valera

      Hi MC. Your daughter may want to go back to the local security office for assistance to determine if there was a problem with their alerting the IRS to the name change.

      Reply
  59. claudia

    I got married but haven't changed my names on anything.. Will that be a problem when i file for taxes?

    Reply
    1. Valera

      Hi Claudia. You'll be fine as long as you file your taxes in your legal name.

      Reply
  60. Kerry

    Hi, I married in 1990 and didn't legally change my name. However I did use my husband's surname on checking accounts, IRS docs etc. I divorced in 2009 and again didn't make any changes as I had a daughter and wanted to keep our names consistant. She is now grown and I would like to go back to legally using my maiden name as my surname. Since I never filled out any paperwork can I just start using it again, like how I just started using my married name? Thank you

    Reply
  61. Kendra Billow

    My W2 has my new married name but havent changed my name with the social security office how will that affect me filing my taxes. We both have kids frok different relationships he has sole custody of his daughter and i have sole custody of my son. We have been married 4 months how should we file.

    Reply
    1. Valera

      Hi Kendra. You're going to have a name mismatch with your W2, which isn't good. After you get your name changed with SSA, the IRS will be notified and you should be good to go.

      Reply
  62. Ronnie

    My wife of 7 years uses her exes last name and filed taxes under that name now she wants to change her name to my last name can she do it without any penaltys

    Reply
    1. Valera

      now she wants to change her name to my last name can she do it without any penaltys

      Yes, she can change her name without penalty.

      Reply
  63. Amber

    Hi
    I just got dissolved/divorced JAN 9, 2018 and requested to go to my maiden name.

    Would I still be filing as married but seperated?

    If I want to change my last name with SSA, can I do so in the next few weeks?

    if I plan on filing my taxes in february… will I file with my married or maiden name?

    Reply
    1. Valera

      Would I still be filing as married but seperated?

      No.

      If I want to change my last name with SSA, can I do so in the next few weeks?

      Yes. You can make the change when you have an original or certified copy of your divorce decree in hand.

      if I plan on filing my taxes in february… will I file with my married or maiden name?

      You'd file with whatever name the SSA has on file.

      Reply
  64. simone n Sanders

    I have a question, so I was in school last year and on there it has my maiden name and not my married name on my FAFSA, will this make my refund prolonged because of different last names on my FAFSA and on my SSC due to me being married? Also I have a employer that I no longer work with that has my maiden name on my W-2 will this cause a problem as well?

    Reply
    1. Valera

      H Simone. You'll want to contact FAFSA, as the name on your FAFSA should match what's on your social security record. Same goes for your W-2. There's a name mismatch there to be corrected.

      Reply
  65. Margret gonzales

    If I didn't change my name and didn't want irs know I got married would that be possible even if I got married in a different state.

    Reply
    1. Valera

      Hi Margret. If married, you can either file married filing separately or married filing jointly. Answering another way would be incorrect.

      Reply
  66. K Haynesworth

    I got married December 2017 and changed my name in January 2018, I have received a new SSC with my married name on it, but all of my tax documents have my maiden name, will there be an issue with filing? I haven't updated my new last name with my employer or school yet.

    Reply
    1. Valera

      Hi K. It's possible your tax filing may be delayed or rejected due to a name mismatch. The IRS may be able to resolve it internally without your input, but it's not guaranteed. You'll want to make sure your tax documents are in sync.

      Reply
  67. Alexys Connelly

    I filed taxes on January 15 with my maiden name. I got married in October, so I went on January 24 to change my name with SSA. My return is showing Accepted through IRS site. Could it be rejected even though my name was still legally my maiden name when I filed?

    Reply
    1. Valera

      Could it be rejected even though my name was still legally my maiden name when I filed?

      No, it's already been accepted, so it's a done deal.

      Reply
  68. Deb

    Hello, I am an independent contract worker. I changed my last name with the SSA last week (January 2018). Do I need to contact my clients so that my 1099 reflects my new married name? Or can I submit my return with my maiden name since that was my legal name in 2017?

    Reply
    1. Valera

      Hi Deb. Your tax-related documents should be in your new name, as that's what the IRS will reference after being notified by the SSA.

      Reply
  69. April

    I got married January 24th 2018 I went to change my last name with SSA on 1/29/2018 they said it would be fine to file my taxes within 48 hours well I went to file them last 72 hours later and it rejected my new last name and would only accept my maiden name. IRS shows with maiden name it is accepted. Should I be ok?

    Reply
    1. Valera

      Hi April. If it's been accepted, you should be good to go this time around.

      Reply
  70. Ellie

    Hi, so I got married last year… I just changed my last name from my maiden name to my married name in late January 2018, and I just got my w2 forms around the same time, and they have my maiden name on them… And since I no longer work for them and haven’t since November of 2017, I didn’t change my last name with them… I wasn’t even thinking of taxes when I changed it – if I had, I would have waited! What do I do? Which name do I file under?

    Reply
    1. Valera

      Hi Ellie. You'll want to file under your married name. You can contact your old employer and ask for them to send you a corrected W-2, which is referred to as a W-2C forms. If they're non-responsive or unwilling to assist, you can phone the IRS and they'll contact your employer on your behalf to request a W-2C be issued.

      Reply
  71. Andrew

    My wife and I got married last year. We haven't done anything with the SSA and and she hasn't changed her name yet. She submitted her federal tax return (haven't submitted mine yet) and we were filling separately. She got a notice that it was rejected for "R0000-503-02" saying her spouse's name and SSN (mine) didn't match their records. The info we put in is correct, so the only explanation is that their records still show her as unmarried, which is understandable since we haven't gone to the SSA yet. If their records still show us as single and unmarried, should we file that way? Because filing separately while married got rejected.

    Reply
    1. Andrew

      Nevermind! Upon reviewing it there was a single digit off on my SSN on her return!

      Reply
  72. Amber Moody

    I have changes my name at the social security office. My ss card has my new name on it. My state issued drivers license has my new married name on it. My everything says my new married name… 7 years now… my taxes get rejected everytime! They make me sign my maiden name. I go every year and ask them to fix it. They say there is nothing to fix. It's in the system rigjt. What can I do?

    Reply
    1. Valera

      Hi Amber. The IRS mirrors what the SSA has on file, so it appears their records may not be in sync. You can visit your nearest social security administration office and ask them to look into it.

      Reply
  73. Lydia Daniel

    Hi I got remarried in September but have not changed my last name thru SSA or my drivers licence so do I still file married and what about my last name? They probably don't even know I'm married. Can I just file as usual?

    Reply
    1. Valera

      Hi Lydia. You'd still file married. Your last name doesn't matter in this situation. You can either file married filing separately or married filing jointly.

      Reply
  74. Brittany

    Last year was mine and my husbands first year of being married and filing our taxes together. My last name was still my maiden name since i hadn't changed it yet. This year when we filed out last names matched and we were flagged by the irs and have been put on a 9 week delay. They say that it was because I changed my last name. It was changed thru the social security office. Is this normal?

    Reply
    1. Valera

      It was changed thru the social security office. Is this normal?

      Yes, as the IRS is notified of names changes by the SSA.

      Reply
  75. Brandon McKissick

    I got married feb. Of 2017 but my wife hasn't changed her last name we both filed married separate returns and she file married separate and qualified for HOH for filing my children that lives with us but we got red flagged for poof of marriage and poof of relationship to the children is this normal ?? Did we do anything wrong??

    Reply
    1. Valera

      Hi Brandon. Whatever the reason for the flagging, it wouldn't be due to her not changing her name.

      Reply
  76. Helen Hutcheson

    Hello,I got married this past October 2017, but have not had the chance to get my name changed at the SSA. My workplace has already changed my name, so my health insurance and W2 have my married name. Will that mess up anything when I go to file my taxes?

    Reply
    1. Valera

      Hi Helen. It could result in a delay considering the name submitted to the IRS won't match what's in their records, nor the SSA's.

      Reply
  77. Ariel

    Hi, I got married in August, and have not changed my name with the SSA or on my ID. All of my student tax forms and w2s also say my maiden name. My only question is if my bank has my married last name on the account, will this cause any issues? I know that I am in a time crunch here, and by your previous replies, don't think I have time ffor everything to be changed and process before we need to file. What is the best thing to do? Thanks for the help!

    Reply
    1. Valera

      Hi Ariel. The name on your bank account is separate from any SSA or taxes issues you're facing. One thing to be concerned about is if your bank may reject any incoming tax refund if the ACH name doesn't match the name on the account. You'll have to get in touch with your bank to determine that.

      Reply
  78. elle

    I've been married for several years now, and each year my return from my state comes with my my maiden name on it! I've changed my name with SSA, Driver License, Bank Acct, W2, anything I can think of but the state still returns with my maiden name. What can I do?

    Reply
    1. Valera

      Hi Elle. You can contact your state's tax office to update their records. They may require it be done in writing.

      Reply
  79. lili

    I think in screwed we was married in Nov and I was told only had to file together if was over 6 months ago and just now seeing all of this we didnt live together all last year and he file single head of household and idk what to do cause they've been reviewing it forever now and it was an honest mistake cause I was told diff and didn't double check !! my name wasn't changed or anything

    Reply
    1. lili

      please help idk what to do cause I don't want them taking his tax check cause I owe money and it wasn't his fault nor did we live together or anything !!! idk why it's taking so long if their auditing it or what !!😥

      Reply
    2. Valera

      Hi Lili. You may consider contacting the IRS directly to explain your situation. Not everything is absolute when it comes to the IRS. They do have abatement procedures in place that they can apply on a case-by-case basis.

      If you feel your situation is precarious, you may want to consult with an accountant or tax lawyer.

      Reply
  80. Jho

    Hi ive been married 3 years ago without my husband here in USA but never been change my husband last name in my id,sscard,in my work,w2,in my bank,etc.but i have a,son who is my dependent.and now my husband is here got a job and hes working..is it will be affect when we file income tax??..what should we do?..can we file both without using my husband lastname??..can wr still get refund??

    Reply
    1. Valera

      Hi Jho. Your name change, or lack thereof, won't affect your filing. You'll want to make sure you file using your current legal name.

      Reply
      1. Jho

        You mean legal name ??my last name?? Or my husband last name?

        Reply
        1. Valera

          Hi Jho. I was referring to your last name, not your husband's.

          Reply

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