Social Security name change and ex-spouse benefits - impossible to get an appointment!
I've been trying for TWO WEEKS to make an appointment with Social Security and I'm about ready to lose my mind! Every time I call, that stupid automated system tells me they're 'experiencing high call volume' and then just hangs up on me! Not even an option to wait! I've also tried making an appointment online, but keep getting stuck in this endless loop where it tells me I need to sign in or create an account, but then won't let me proceed. I need to handle two things that I'm pretty sure require an in-person visit: changing my name after my divorce and figuring out if I qualify for benefits on my ex-husband's record (we were married 12 years). I'm 64 and trying to plan my retirement, but can't even get basic questions answered. Has anyone managed to actually get through to SSA lately? Any tricks or specific times to call that might work better? I'm desperate at this point!
28 comments


Alice Coleman
Same here!!!! I've been trying to reach them for over a MONTH about my SSDI application status. The phone system is completely BROKEN! It either disconnects or puts me on hold for 2+ hours and then disconnects anyway. The online system is a JOKE too - half the time it's down for "maintenance" and the other half it gives error messages. I've driven to my local office TWICE only to be turned away because they're "appointment only" - but HOW are we supposed to make appointments when no one answers the phones?!?! It's a ridiculous catch-22 that feels INTENTIONAL to prevent people from getting help.
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Sofia Price
•Exactly! It feels like they're deliberately making it impossible. Did you ever find any solution? I'm willing to try anything at this point.
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Owen Jenkins
I've helped several clients with this exact problem. Here's what works best: 1. Call right when they open (exactly 8:00 AM local time) 2. If using a cell phone, try using a landline instead (their system sometimes blocks cell numbers they think are robocalls) 3. When prompted by the automated system, press '1' for English then '0' repeated times until it transfers you 4. Have all your information ready: SSN, birth date, marriage/divorce dates, and your ex's SSN if possible For your specific situation: Since you need both a name change and to explore ex-spouse benefits, you definitely need a personal appointment. For ex-spouse benefits, you'll need to have been married at least 10 years (which you were), be at least 62 (which you are at 64), and be currently unmarried. You can receive up to 50% of your ex's benefit amount if that's higher than your own benefit.
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Sofia Price
•Thank you for these tips! I'll try the 8am call tomorrow and the zero trick. I do have all my documents ready - my divorce was finalized 3 years ago but I just haven't gotten around to changing my SS card yet. I appreciate the confirmation about the ex-spouse benefits too - that's exactly what I need to figure out, whether half of his would be better than my full amount.
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Lilah Brooks
just go to the office super early and wait in line, thats what i did. got there at 6am with a chair and coffee. they opened at 9 but started giving out appointment tickets at 8. got one and saw someone that day. the phone system is useless lol
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Sofia Price
•That's an idea I hadn't considered! Which office did you go to that gave out same-day tickets? Mine has a sign saying "appointment only" but maybe they do this too and just don't advertise it?
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Jackson Carter
I was exactly in your shoes last month! After trying for weeks to get an appointment, I finally found a service called Claimyr that got me through to a real SSA agent in about 20 minutes. Their system basically navigates the SSA phone tree and waits on hold for you, then calls you when they've got an agent on the line. I was super skeptical but desperate, and it actually worked! I made my appointment and just had my name change processed last week. You can check out how it works at claimyr.com or watch their demo at https://youtu.be/Z-BRbJw3puU so you can see exactly what they do. For name changes and benefits questions, getting that direct line to an agent is really the fastest way. Regarding your ex-spouse benefits question - when you do get your appointment, bring your divorce decree and marriage certificate. Since you were married more than 10 years, you definitely qualify to at least explore those benefits. The agent can run calculations to show whether your own record or half of your ex's would give you more.
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Kolton Murphy
•does this claimyr thing really work? seems weird to need a service just to talk to the government lol
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Jackson Carter
•I was skeptical too, but it did work for me. I spent three weeks trying on my own before giving up and trying it. Got through to someone who actually helped me schedule my in-person appointment for the name change. Definitely beats sitting on hold for hours or getting hung up on repeatedly.
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Evelyn Rivera
Hi there! I worked at SSA for 22 years before retiring last year, so I might be able to offer some insight. The phone systems have been overwhelmed since the pandemic, unfortunately. Here's my advice: 1. For online accounts, are you getting a specific error message? Sometimes there's an identity verification issue that needs resolving. 2. For name changes, you absolutely need a new SS card, which requires either an in-person or mail application with your divorce decree and ID. 3. For ex-spouse benefits (technically called "divorced spouse benefits"), since you're 64, you have options. You can file for reduced benefits now or wait until your Full Retirement Age for the full 50% of his Primary Insurance Amount. One thing many people don't realize is that you can actually mail in your application for a name change - Form SS-5 with certified copies of your documents. It takes longer but avoids the appointment struggle.
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Sofia Price
•Thank you so much for this detailed information! I had no idea I could mail in the name change application - that would solve at least part of my problem. For the online account, it keeps saying "we cannot verify your information" when I try to create one, which is frustrating. Is there any downside to applying for the ex-spouse benefits before reaching my Full Retirement Age? I'll be 66 and 8 months FRA according to their website.
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Julia Hall
my cousin had the same problem but she went to her congressmans office and they have special liaisons that can contact ssa directly. she got her appointment in 2 days after trying for weeks by herself. worth a shot!
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Sofia Price
•That's brilliant! I hadn't thought of contacting my representative. I'll try the other suggestions first but will keep this as a backup plan if nothing else works. Thank you!
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Kolton Murphy
i had to change my name with them last year after my divorce and i just mailed in the form with my divorce papers. took like 3 weeks to get my new card but saved me the headache of an appointment. for the benefits question tho youll probably need to talk to someone
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Evelyn Rivera
•This is correct. Name changes can be handled by mail, but benefit calculations and applications generally require speaking with a claims specialist, especially when comparing benefits on your own record versus an ex-spouse's record. There can be strategic filing considerations depending on your specific situation.
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Lilah Brooks
did u try calling right at 8am? thats what my neighbor said worked for her but i just did the wait in line thing
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Alice Coleman
•I tried the 8am thing FIVE times!!! Still got the "high call volume" message and disconnected. The entire system is BROKEN by design!
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Sofia Price
Update: I finally got through! Used a combination of the advice here - called at exactly 8:00am and kept pressing 0 when the automated system started talking. Was on hold for 45 minutes but actually spoke to a person! Have an appointment for next Tuesday for both the name change and benefits consultation. For anyone else struggling with this issue - persistence and early morning calls seem to be key. I'll update again after my appointment to let you know how it goes with the ex-spouse benefits questions. Thanks everyone for your help!
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Owen Jenkins
•Great news! For your appointment, make sure to bring: - Current photo ID - Birth certificate - Divorce decree showing date of divorce - Marriage certificate showing you were married 10+ years - Recent W-2s or tax returns (last 2 years) This will give the claims specialist everything needed to process both requests efficiently.
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Evelyn Rivera
•Excellent! One extra tip for your appointment: Ask them to run a "What If Divorced Spouse" calculation that shows you the exact benefit amounts for claiming at different ages. This will help you make an informed decision about whether to take reduced benefits now or wait until your FRA for the maximum divorced spouse amount.
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Sofia Ramirez
Congratulations on finally getting through! That's such a relief after all that frustration. I'm dealing with a similar situation - trying to get info about survivor benefits after my husband passed last year. I've been trying the phone system for weeks with no luck, but seeing your success gives me hope. I'm going to try the exact same approach - calling right at 8am sharp and hitting 0 repeatedly. Did you have to wait through any automated messages first, or did pressing 0 immediately skip everything? Also, when you were on hold for 45 minutes, did they give you any estimated wait time or just music? Really appreciate you sharing what worked and promise to update if I have success with the same method. Good luck with your appointment next Tuesday!
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Alejandro Castro
•I'm so sorry for your loss. Survivor benefits can be really important, so I hope you can get through soon! When I called, I had to listen to the initial greeting (about 10-15 seconds) then started pressing 0 repeatedly during the menu options. It took maybe 5-6 presses before it said "transferring you to an agent." No estimated wait time unfortunately - just hold music for the full 45 minutes, which was nerve-wracking because I kept thinking it might disconnect like before. But hang in there - it does work! The key seems to be calling at exactly 8:00am when they open. Good luck and please do update us on how it goes!
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Emma Olsen
As someone who went through a similar nightmare trying to reach SSA last year, I feel your pain! The phone system is absolutely terrible. What finally worked for me was a combination of strategies: 1. Call at 7:59 AM and hit "call" right at 8:00 AM sharp - not 8:01, not 8:02, but exactly at 8:00 2. Have a backup plan - I also signed up for their callback service online (if you can get the website to work) 3. Try calling on Tuesday or Wednesday - Mondays and Fridays seem to be the worst For your ex-spouse benefits, you're in a good position since you were married 12 years and are over 62. Just know that if you file before your full retirement age, the benefit will be reduced. Since you're 64, you might want to compare what you'd get now versus waiting until your FRA. The name change can definitely be done by mail if you have certified copies of your divorce decree - that might save you one trip at least! Form SS-5 is what you need. Hang in there, it's frustrating but you'll get through eventually!
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Muhammad Hobbs
•Thanks for sharing all these tips! I'm definitely going to try the exact 8:00 AM timing - seems like that's the magic trick everyone who succeeded used. I had no idea about the callback service online either, so I'll look into that as a backup option. You're right about the mail option for the name change - several people have mentioned that and it sounds way less stressful than trying to coordinate everything in one appointment. I can handle the name change by mail and then just focus the phone appointment on the benefits calculation. Really appreciate the heads up about Tuesday/Wednesday being better calling days too. I've been randomly trying different days but will focus on mid-week from now on. This community has been so helpful - I wish the SSA phone system worked half as well as you all do at actually helping people!
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Sofia Perez
I've been following this thread and wanted to share another approach that worked for my sister last month. She was having the exact same issue - couldn't get through on the phone, website kept crashing, local office was appointment-only with no way to make appointments. What finally worked was contacting her state's Area Agency on Aging. They have special relationships with SSA and can often help seniors navigate these issues. Since you're 64, you qualify for their services. They made some calls on her behalf and got her an appointment within a week. Many people don't know this resource exists, but it's specifically designed to help people in situations like yours. You can find your local Area Agency on Aging by searching "[your state] Area Agency on Aging" or calling the Eldercare Locator at 1-800-677-1116. They're used to dealing with SSA bureaucracy and know all the workarounds. Worth trying if the direct approach continues to frustrate you! Also, for the name change specifically - I agree with others that mailing Form SS-5 with certified copies of your divorce decree is much easier. You can download the form from ssa.gov and avoid the appointment hassle entirely for that part.
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Mateo Hernandez
•Wow, I had no idea about the Area Agency on Aging! That's such a great resource to know about. I'm definitely going to look into that - having someone who knows how to work within the system advocate for you sounds like it could be a game-changer. The Eldercare Locator number is really helpful too, thank you for including that. I'm also convinced about doing the name change by mail after hearing from so many people that it worked for them. It makes sense to separate that from the benefits consultation anyway - less to juggle in one appointment. I'll download Form SS-5 today and get that process started while I work on getting through for the benefits discussion. This community has been amazing with all these creative solutions. Between the early morning calling strategy, the Area Agency on Aging option, and the mail-in name change, I finally feel like I have multiple paths forward instead of just banging my head against that useless phone system!
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Kirsuktow DarkBlade
I'm dealing with something similar - trying to get information about disability benefits after a work injury, and the phone system has been absolutely useless for over a month! Reading through everyone's suggestions here has been more helpful than anything I've found on the SSA website. I'm going to try the 8:00 AM sharp calling strategy tomorrow, and if that doesn't work, I'll definitely look into the Area Agency on Aging option - I had no idea that resource existed. The fact that they have special relationships with SSA and can advocate for people sounds like exactly what we need when the normal channels are completely broken. For anyone else still struggling with this, it sounds like the key successful strategies from this thread are: 1. Call at exactly 8:00 AM (not 8:01!) 2. Press 0 repeatedly during the automated menu 3. Try Tuesday/Wednesday instead of Monday/Friday 4. Contact your Area Agency on Aging for help 5. Consider mailing forms when possible (like the SS-5 for name changes) 6. Contact your congressional representative as a last resort Thanks to everyone who shared what actually worked - it's so frustrating that we need workarounds just to access basic government services, but at least we're helping each other figure it out!
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Yuki Yamamoto
•This is such a helpful summary! I'm new to dealing with SSA but have been dreading it after hearing horror stories from friends. Seeing all these practical strategies laid out gives me hope that there are actually ways to get through their broken system. The timing seems really crucial based on everyone's experiences - multiple people succeeded with the exact 8:00 AM approach. I'm also impressed by how many alternative resources people have shared that I never knew existed, like the Area Agency on Aging and even congressional offices helping with SSA issues. It's ridiculous that we need these workarounds just to access services we've paid into our whole working lives, but I'm grateful this community is sharing what actually works instead of just complaining. Definitely bookmarking this thread for when I need to deal with SSA myself!
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