Every year, thousands of people lose their Social Security benefits—often because they didn’t keep their information up to date. The most common reasons include:
- Failing to report income from work – If you earn above certain limits and don’t notify Social Security, you could lose or reduce your benefits.
- Changes in marital status – Getting married, divorced, or widowed can affect eligibility for certain benefits.
- Living situation changes – If a child receiving benefits moves out or a dependent no longer qualifies, benefits may stop.
- Not responding to Social Security requests – If you receive notices requesting information and don’t reply, your benefits could be suspended.
Avoid unnecessary interruptions by reporting changes as soon as they happen!
Why You Must Tell Social Security About Life Changes—Right Away
Life moves fast. One day you’re single, the next you’re married. One moment you’re getting disability benefits, the next you’re back at work. And guess what? Social Security needs to know.
If you receive Social Security Disability (SSDI), Retirement, or Supplemental Security Income (SSI) benefits, keeping your information up to date isn’t just a good idea—it’s crucial. Your benefits depend on it. Delayed reporting can mean missing out on money you’re entitled to or, worse, owing Social Security money you weren’t supposed to receive. Nobody wants that.
What You Need to Report—ASAP
To make sure your payments stay accurate, notify Social Security immediately if any of the following happen:
- You get married or divorced. (Yes, this matters for your benefits!)
- Your spouse or former spouse passes away.
- You become a parent. (Whether by birth or adoption.)
- A child receiving benefits under your record gets married.
- A child receiving benefits under your record moves out. (You’ll need to provide the name and address of their new guardian.)
Working? Here’s What to Do So You Do NOT Lose Your Social Security Benefits
If you’re working while receiving benefits, you must report your income. The general rule:
- If you receive SSI: Report earnings every month.
- If you receive SSDI: Report earnings twice a year.
This helps ensure your payments stay accurate and avoids any unexpected overpayments.
How to Report Changes to Social Security
Social Security gives you multiple ways to report life changes:
- Call 1-800-772-1213 (TTY: 1-800-325-0778) Monday–Friday, 8:00 a.m.–7:00 p.m.
- Call your local Social Security office. (Find yours at www.ssa.gov/locator.)
- Fax, mail, or visit your local office to deliver your updates.
- For address, phone, or direct deposit changes, use your my Social Security account: www.ssa.gov/myaccount. Or, try Social Security’s automated phone services: www.ssa.gov/agency/contact/phone.
Bottom Line: Report Now, Avoid Hassles Later
Keeping Social Security informed ensures you get the right check, in the right amount, at the right time. Spread the word—share this with anyone who needs to know!
