What to Do If Your Social Security Card Is Lost or Stolen  

Few things can be as unnerving as misplacing such an important document but fear not. We’ll walk you through the necessary steps to take if your Social Security card is lost or stolen. From safeguarding your identity to obtaining a replacement card, we’ll provide you with valuable tips and practical advice to help you regain control and protect yourself from potential identity theft. So, let’s dive in and ensure you’re well-equipped to tackle this unexpected situation head-on. 

Here’s what to do if you lost your Social Security card: 

1. Report the Loss or Theft

The first step in obtaining a replacement Social Security card is to report the loss or theft to the appropriate authorities. This is crucial to protect yourself from potential identity theft and unauthorized use of your Social Security number. If your card was taken, contact your local police department and file a police report. 

2. Gather the Required Documents

Before you can apply for a replacement Social Security card, you’ll need to gather the necessary documents to prove your identity and eligibility. The Social Security Administration (SSA) requires specific forms of identification, typically including:

• Proof of citizenship or legal status: This can be in the form of a U.S. birth certificate, U.S. passport, Certificate of Naturalization, or Certificate of Citizenship.
• Proof of identity: Provide documents such as a U.S. driver’s license, state-issued identification card, or U.S. passport.
• Proof of age: You may need to provide your birth certificate or passport as evidence of your age.

It’s important to ensure that your documents are original or certified, as the SSA does not accept photocopies or notarized copies.

3. Complete and Submit Your Application

Once you have your required documents ready, it’s time to complete the application for a replacement Social Security card. You can download the application form (SS-5) from the SSA’s official website or visit your nearest Social Security office to obtain a physical copy. Fill out the form accurately and double-check for any errors or missing information.

• Social Security Administration website 
• Form SS-5 (Application for a Social Security Card) 

Submit Your Application

You can send the application to the SSA for processing after you’ve finished it. There are a few options available for submission:

• Online submission: If you meet certain criteria, you may be eligible to submit your application online through the SSA’s secure website. To determine if you are eligible for online submission, visit their official website.
• In-person submission: You can visit your local Social Security office and submit your application. Remember to bring your original documents for verification purposes.
• Mail submission: You can submit your finished application and original paperwork to the Social Security office closest to you. Ensure you use a secure and trackable mailing method to protect your documents.

Await Your Replacement Card

After submitting your application, it may take some time for the SSA to process your request and issue a replacement Social Security card. Typically, receiving your new card can take around 10 to 14 business days. Sometimes, the SSA may require additional verification, which could extend the processing time.

4. Keep Your New Social Security Card Safe 

Once you receive your replacement Social Security card, store it safely and securely. Avoid carrying it unless necessary to reduce the risk of loss or theft.

By following these five simple steps, you can obtain a replacement Social Security card with confidence and efficiency. Remember to stay vigilant about safeguarding your personal information to ensure your identity remains secure.

What To Do If Your Social Security Card Was Stolen 

If your Social Security card was stolen, taking immediate action is important to protect your identity and prevent any potential misuse. Here’s what to do if your Social Security card was stolen: 

1. Report the Theft 

Make a report of the stolen Social Security card to the authorities by contacting your neighborhood law enforcement office. As a result, a formal record of the incident will be created.

2. Alert the Federal Trade Commission (FTC) 

Report the theft on the FTC’s official website or by calling their identity theft hotline. This step helps protect your personal information and assists in resolving any fraudulent activities that may occur. 

Submit your online report to the FTC. 

3. Monitor Your Accounts

Keep a close eye on your financial accounts, credit reports, and other sensitive information for signs of suspicious activity. Report any unauthorized transactions or identity theft to your bank or financial institution immediately. 

4. Freeze Your Credit

Think about requesting that the main credit bureaus freeze your credit reports (Equifax, Experian, and TransUnion). This restricts access to your credit information, making it more difficult for thieves to open new accounts in your name. Not sure how to freeze your credit? Get the step-by-step instructions on what a credit freeze is and how to freeze your credit with each of the three main credit bureaus: 

• How to freeze your Experian credit report
• How to freeze your Equifax credit report 
• How to freeze your TransUnion credit report

Keep in mind that in order to protect your credit and prevent new accounts from being opened in your name, it’s vital to freeze your credit with all three of the major credit reporting bureaus. 

5. Contact the Social Security Administration (SSA) 

Reach out to the SSA and inform them about the stolen card. They can advise you on the necessary steps to obtain a replacement card and protect your Social Security number.

6. Monitor Your Social Security Benefits 

If you receive Social Security benefits, stay vigilant and ensure no unauthorized changes or disruptions to your payments. Report any suspicious activity to the SSA immediately. Learn more about how to monitor your Social Security benefits. 

7. Obtain a Replacement Card

Follow the procedures outlined by the SSA to apply for a replacement Social Security card. This typically involves completing an application form, providing proof of identity, and submitting the required documents.

• Social Security Administration website 
• Form SS-5 (Application for a Social Security Card) 

Taking swift action is crucial when your Social Security card is stolen. By promptly reporting the theft, monitoring your accounts, and taking preventive measures, you can minimize the potential impact and protect yourself from identity theft.

What a Criminal Can Do With a Social Security Card 

A criminal can potentially engage in various fraudulent activities if they can access someone’s Social Security card. Here are a few things a criminal can do:

• Identity theft: With your Social Security number, a criminal can assume your identity and open new financial accounts, apply for loans or credit cards, or even rent properties, leaving you responsible for the debts.
• Employment fraud: A thief can use your Social Security number to gain employment illegally. This can result in incorrect income reporting on your tax records and potential legal consequences.
• Tax fraud: Armed with your Social Security number, a criminal can file fraudulent tax returns in your name, claiming refunds and diverting them to their accounts.
• Social Security benefits fraud: They can fraudulently apply for government benefits using your Social Security number, diverting funds meant for you to their own pockets.
• Medical identity theft: A criminal can use her Social Security number to access medical services, undergo treatments, or obtain prescription drugs, resulting in false medical records and potential financial liabilities.
• Driver’s license fraud: Your Social Security number may be used to obtain a driver’s license or state ID in your name, creating legal complications and possible traffic violations that you are unaware of.
• Access financial accounts: In some cases, if a criminal gains access to additional personal information, they may attempt to access your existing bank accounts, brokerage accounts, or other financial services.

It is essential to safeguard your Social Security card and avoid sharing your Social Security number unless necessary. Regularly monitoring your financial accounts and credit reports and staying vigilant for any suspicious activity can help mitigate the risks of identity theft and fraud.

Bottom Line 

It must be unpleasant to lose your Social Security card. Still, you can smoothly obtain a replacement card by promptly reporting the loss, gathering necessary documents, accurately completing the application, choosing the right submission method, and staying vigilant. Remember the importance of protecting your Social Security number and monitoring your accounts for suspicious activity. Following these instructions, you can regain control and defend yourself against fraud and identity theft.

Frequently Asked Questions (FAQs)