How do I file taxes before or after a name change?

Your name on file with the IRS is tied to the name on file with the Social Security Administration (SSA). When you change your name with the SSA, it automatically updates with the IRS too.


Here’s what you need to do:

  1. If you've changed your name with the SSA: File your taxes using your new name.
  2. If you haven't changed your name with the SSA: File your taxes using your current name.

After changing your name with the SSA, update your name on any accounts linked to your Social Security Number. This includes bank accounts, credit cards, investment accounts, student loans, etc.


If you’re married but haven’t started your name change.

You need to decide if you have enough time to update your name with the SSA before filing your tax return. You can contact your local SSA office by visiting ssa.gov/locator (select ‘Locate on Office By Zip’) and entering your zip code.


Once you receive confirmation of your name change from the SSA, you’ll need to use your new name on your tax return. If you don’t have enough time to change your name with the SSA before filing your return, use your current legal name as shown on your Social Security card on your tax return.


If you’ve already updated your name with the Social Security Administration (SSA).

Use the name on your new Social Security card on your tax return. If you’ve submitted your Social Security application (Form SS-5) but have not received your new card yet, contact your SSA office to confirm if your name change has been processed.


If you’ve already filed your tax return with the IRS and are expecting a tax refund.

Wait until you receive your tax refund check/deposit from the IRS before starting your name change. If the name on your SSA record doesn't match the name on your tax return, you may experience a delay in getting your refund (if applicable).


If you’ve already filed your tax return with the IRS and are not expecting a tax refund.

You can start your name change at any time since you’ve already filed your taxes for the prior year.


More info from the IRS here - https://www.irs.gov/newsroom/name-change-how-it-impacts-taxes.


We also put together a detailed name change tax guide here - https://newlynamed.com/blogs/guides/changing-your-name-during-tax-season