How to Replace a Lost or Stolen Social Security Card

You can replace a lost Social Security card by visiting your local Social Security office in person, or by mailing an process to the Social Security Administration. The in-person route is faster — most offices issue a replacement card within one to two weeks. You will need to bring proof of identity, proof of citizenship, and proof of your current address. The card itself is free; the Social Security Administration does not charge a replacement fee.

If your card was stolen rather than lost, you should also contact the three major credit bureaus — Equifax, Experian, and TransUnion — to place a fraud alert on your credit file. A fraud alert tells lenders to verify your identity before opening new accounts in your name. You only need to contact one bureau; that bureau is required to notify the other two.

Key Takeaways

  • You can replace your card at a Social Security office with proof of identity, citizenship, and current address, and you will receive it within one to two weeks.
  • If your card was stolen, contact one of the three major credit bureaus to place a fraud alert on your credit file.
  • You can also mail an process to the Social Security Administration if visiting an office is not possible, though this takes longer.
  • The replacement card is free, and you do not need to bring your original card to get a new one.

What Documents You Need to Bring

The Social Security Administration requires three types of documents: one for identity, one for citizenship, and one for your current address. For identity, you can use a driver's license, passport, state ID card, or employee ID card. A birth certificate, passport, or naturalization certificate works for citizenship proof. For your address, bring a recent utility bill, lease agreement, mortgage statement, or bank statement dated within the last 60 days.

If you do not have all three types of documents, call your local Social Security office before you go. Some offices can accept alternative documents depending on your situation. The office staff can tell you what they will accept in your case.

Visiting a Social Security Office in Person

Find your local office on the Social Security Administration website by entering your zip code. You do not need an appointment at most offices, but some locations now use an online scheduling system. Check your office's page to see whether appointments are required or recommended.

Bring your documents, fill out Form SS-5 (process for a Social Security Card) at the office, and submit it to the staff. The staff will verify your documents and take your process. You will receive your new card by mail within one to two weeks. Some offices offer expedited service if you have an urgent need, such as starting a job; ask the staff whether this is available at your location.

Mailing Your process

If you cannot visit an office, you can mail Form SS-5 and copies of your documents to the Social Security Administration. You will need to have your documents certified or notarized before mailing them — the Social Security Administration does not accept plain photocopies. A notary public can certify your copies for a small fee; many banks, libraries, and law offices offer notary services.

Mail your process to the address listed on Form SS-5, which varies by state. Processing by mail takes longer than in-person service — typically four to six weeks. Include a return address and consider using certified mail so you have proof of delivery.

If Your Card Was Stolen

Contact Equifax, Experian, or TransUnion to place a fraud alert on your credit file. You only need to call one bureau; that bureau will notify the other two. A fraud alert tells lenders to verify your identity before opening new accounts, credit cards, or loans in your name. The initial fraud alert lasts one year and is free.

You can also place a credit freeze, which is stronger protection. A freeze blocks lenders from accessing your credit file entirely unless you temporarily unfreeze it. Freezes are also free and last until you remove them. If you suspect identity theft beyond a lost card, you may want to file a report with the Federal Trade Commission at IdentityTheft.gov.

What Happens While You Wait for Your Replacement

You do not need your physical card to work or to prove your Social Security number. Your employer and financial institutions have your number on file already. If you need to show proof of your number while waiting for the card, you can print a replacement Social Security card notice from your my Social Security account online, or you can call the Social Security Administration and ask them to mail you a letter stating your number.

If you are starting a new job, tell your employer that you have ordered a replacement card and provide your Social Security number verbally or in writing. Most employers will accept this while you wait for the physical card to arrive.

Frequently Asked Questions

How much does it cost to replace a Social Security card?

There is no fee. The Social Security Administration does not charge for replacement cards. If someone offers to replace your card for a fee, they are running a scam.

Can I get a replacement card the same day?

No. In-person replacement takes one to two weeks by mail. Some offices offer expedited service for urgent situations like starting a job, but even expedited service takes several days. There is no same-day card issuance.

Do I need my original card to get a replacement?

No. You do not need to bring your original card. The Social Security Administration will issue a new card based on your identity and citizenship documents.

What if I do not have a driver's license or passport?

You can use other identity documents such as a state ID card, employee ID, or school ID. Call your local Social Security office to ask what documents they will accept in your situation.

How do I know if someone is using my Social Security number?

Check your credit report for accounts you did not open. You can get a free credit report from each of the three bureaus once per year at AnnualCreditReport.com. If you see fraudulent accounts, contact the bureau and the creditor to dispute them.