Will Social Security accept a notarized copy of divorce decree instead of original document?
I need to apply for ex-spouse benefits but I can't find my original divorce decree from 1998! I have a copy that I made years ago, and I'm wondering if Social Security will accept it if I get it notarized? The county courthouse where I got divorced is 400 miles away, and they charge $75 plus a 4-6 week wait time to get official copies. Has anyone successfully submitted a notarized photocopy instead of the certified court copy? My FRA is coming up in 3 months and I want to get this application process started ASAP.
32 comments


Sean O'Brien
Unfortunately, SSA typically requires certified copies of legal documents like divorce decrees, not notarized photocopies. The certification needs to come directly from the court that issued it. A notary can only verify that a copy matches another document, not that the original document itself is authentic. I went through this last year and had to pay the fee for the court-certified copy.
0 coins
Anastasia Smirnova
•Ugh, I was afraid of that. So even with the notary stamp they'll still reject it? That's so frustrating!
0 coins
Zara Shah
my sister tried using a copy last yr & they REJECTED it!! had to wait 2 more months for proper docs & almost missed her medicare enrollment period!! dont risk it
0 coins
Luca Bianchi
•This is why I hate dealing with SSA!!! They make EVERYTHING so difficult. Just another way they try to deny people benefits they're entitled to. I bet if you called 10 different agents you'd get 10 different answers about what's acceptable.
0 coins
GalacticGuardian
Just wondering - have you checked if your state has online court records where you might be able to get a certified copy electronically? Some states now offer this service and it's faster than mail requests. Might be worth looking into before paying the $75.
0 coins
Anastasia Smirnova
•That's a good idea! I just checked their website and sadly they don't offer online certified copies for divorces from the 90s. Looks like I'll have to pay the fee and wait. I just hope this doesn't delay my benefits.
0 coins
Nia Harris
I work as a paralegal, and I can confirm that Social Security is very strict about requiring certified court documents with the original seal. A notarized copy won't work because the notary is only verifying that your copy matches another document, not that the document itself is authentic. If the $75 fee is a hardship, you might ask the court clerk if they have a fee waiver process. Some courts will reduce or waive fees based on financial need. Also, you can still submit your application for ex-spouse benefits now and note that the certified decree is forthcoming. This establishes your filing date while you wait for the document.
0 coins
Anastasia Smirnova
•Thank you! That's really helpful to know I can still submit the application while waiting for the document. I'll do that to establish my filing date. I appreciate the advice!
0 coins
Mateo Gonzalez
When I applied for survivor benefits last year I had a similar problem with my marriage certificate. I tried explaining to SSA that getting a new copy would take 8 weeks from the county office, and the agent just said "that's not our problem" and told me to come back when I had proper documentation. So frustrating!
0 coins
Luca Bianchi
•That's terrible! Did you end up losing benefits for those months? This whole system seems designed to make people give up.
0 coins
Mateo Gonzalez
•Luckily no, they backdated my benefits to when I first tried to apply. But the stress of waiting and not knowing was awful.
0 coins
Aisha Ali
I had a nightmare trying to reach SSA about this exact issue! Kept calling for 3 weeks and either got disconnected or was on hold for hours. Finally I used Claimyr (claimyr.com) and got through to a real agent in under 15 minutes. They confirmed I needed a court-certified copy but were able to start my application process while I waited for it. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU The agent also gave me a special fax number to send the document once I received it, which saved me another office visit.
0 coins
Anastasia Smirnova
•Thanks for the tip about Claimyr! I'll check that out since I've already tried calling SSA three times this week without getting through. At this point I'll try anything to avoid more wasted time on hold.
0 coins
Zara Shah
cant u just say u never got married?? how would they know?
0 coins
Nia Harris
•This is terrible advice and could constitute fraud. SSA has access to marriage and divorce records through various databases. Making false statements on a federal application can result in penalties including fines and benefit denial. Please don't suggest illegal actions.
0 coins
Sean O'Brien
One more thing to consider - if you're applying for divorced spouse benefits, remember you need to have been married for at least 10 years to qualify. Make sure your divorce decree clearly shows the marriage and divorce dates. If it's been less than 10 years, you won't be eligible regardless of having the proper documentation.
0 coins
Anastasia Smirnova
•Yes, we were married for 22 years before the divorce, so I definitely qualify there. I just need to get that certified copy to prove it!
0 coins
GalacticGuardian
My friend went through this and she said she mailed her application with a note explaining that the certified divorce decree was on its way from the court. She included her receipt from the court showing she had ordered it. SSA started processing her application and just put a note that the file needed the decree before finalizing. Not sure if all offices do this, but might be worth trying.
0 coins
Alexis Robinson
Just wanted to add that I went through this exact situation with my divorce decree from 2001. Called the courthouse and they actually offered to email me a PDF copy with their digital seal for $25, which SSA accepted as valid documentation. Not all courts offer this service, but it might be worth asking if yours does - could save you time and money compared to waiting for a physical certified copy to be mailed.
0 coins
Ava Martinez
•That's really helpful to know! I'll definitely call my courthouse tomorrow and ask if they have a digital option. $25 is so much better than $75, and getting it right away would be amazing. Did your friend have any issues with SSA accepting the PDF version, or did they process it just like a physical copy?
0 coins
Jackie Martinez
•That's a great option to explore! I hadn't even thought about asking for a digital copy. I'll call them first thing tomorrow and see if they offer that service. Even if it's not $25, anything less than $75 and faster delivery would be a huge help. Thanks for sharing your experience!
0 coins
Paloma Clark
I'm dealing with a similar situation right now! I needed my marriage certificate for survivor benefits and was dreading the wait time and fees. After reading through these responses, I called my county clerk's office this morning to ask about digital options. Turns out they do offer email delivery of certified copies with digital seals for $35 - half the cost of mail delivery and I got it within 2 hours! The SSA agent I spoke with confirmed they accept digitally certified documents as long as they have the official court seal embedded in the PDF. Definitely worth calling your courthouse to ask about this option before paying the full $75 and waiting weeks. Some counties have really modernized their services but don't advertise it well on their websites.
0 coins
Mateo Martinez
•This is exactly what I needed to hear! Thank you so much for taking the time to call and share your results. $35 and 2 hours vs $75 and 4-6 weeks is a no-brainer. I'm definitely calling my courthouse first thing in the morning to ask about digital certified copies. It's amazing how these government offices have updated their services but don't make it obvious on their websites. You may have just saved me weeks of stress and extra money!
0 coins
Laila Prince
I'm in a similar boat and this thread has been incredibly helpful! I've been putting off applying for divorced spouse benefits because I dreaded dealing with getting my divorce papers from 2003. Reading all your experiences, especially about the digital certified copies, gives me hope that this process might not be as painful as I expected. One question - for those who successfully submitted applications while waiting for documents, did SSA give you any kind of confirmation or timeline for when they'd need the certified copy by? I'm worried about starting the process and then having some arbitrary deadline I didn't know about. Also, has anyone tried going to their local SSA office in person instead of calling? I'm wondering if face-to-face might be more productive than being stuck on hold for hours.
0 coins
Nolan Carter
•Great questions! I can share my experience from when I went through this process. When I submitted my application while waiting for documents, the SSA agent told me they'd hold my case for 60 days to receive the missing paperwork. They sent me a letter confirming what documents were still needed and the deadline. As for going in person vs calling - I actually had better luck at my local office. The wait was about 2 hours, but I got to speak with someone who could pull up my case immediately and give me specific guidance. Phone calls kept getting dropped or transferred around. Just make sure to bring any documentation you already have and maybe call ahead to see if they accept walk-ins or require appointments.
0 coins
Khalid Howes
I just wanted to thank everyone who shared their experiences here! This thread has been a lifesaver. I was completely stressed about the $75 fee and 4-6 week wait, but after reading about the digital certified copy options, I called my courthouse this morning. They DO offer email delivery with digital seals for $40 and said I'd have it by end of business day! The clerk also mentioned that many people don't know about this service because their website hasn't been updated in years. She said to specifically ask for "digitally certified copies with embedded court seal" when calling other courthouses, as some clerks might not immediately know what you're looking for. I'm also going to take the advice about submitting my SSA application now to establish my filing date while I wait for the document. Feeling so much more optimistic about this whole process now!
0 coins
GalaxyGlider
•This is such great news! I'm so glad you found a solution that works. Your tip about asking specifically for "digitally certified copies with embedded court seal" is really valuable - I bet a lot of people get told "no" just because they didn't use the right terminology. It's frustrating that these services exist but aren't well-publicized on outdated government websites. Thanks for following up and sharing your success - it gives me confidence to make that call to my own courthouse tomorrow!
0 coins
Morgan Washington
This thread has been incredibly helpful! I just wanted to add my experience from last month when I needed my marriage certificate for Social Security. After calling around to several county offices, I discovered that some courts will also accept a "certified true copy" from an attorney who has access to the original records through legal databases. My lawyer was able to pull the official record, certify it, and have it accepted by SSA for $50 - much less than what the courthouse wanted. Not all attorneys offer this service, but family law or estate planning attorneys often have access to these legal record databases. Might be worth calling a few local law offices if the courthouse digital options don't pan out. Also, just a heads up - when you do get your certified copy (whether digital or physical), make several photocopies for your records before submitting the original to SSA. You never know when you might need it again for other benefits or legal matters!
0 coins
Sophie Footman
•That's really interesting about attorneys being able to provide certified true copies! I never would have thought of that option. $50 is definitely more reasonable than some of the courthouse fees I've seen quoted. Do you happen to remember what specific type of certification or language your lawyer used? I want to make sure I ask the right questions when I call around to law offices. Also, great point about making photocopies - I learned that lesson the hard way with other important documents. Thanks for sharing another potential avenue for getting the documentation we need!
0 coins
Yara Khoury
•That's a brilliant suggestion about attorneys being able to provide certified copies! I'm a paralegal myself and can confirm this is a legitimate option that many people don't know about. The key phrase to use when calling law offices is asking for a "certified copy from legal records database" - most family law attorneys have access to services like LexisNexis Public Records or Westlaw that can pull official court documents. The certification they provide is typically accepted by federal agencies because it comes from the same source databases the courts use. Just make sure the attorney includes their bar number and official seal on the certification. This could be a great backup option if the courthouse digital services don't work out!
0 coins
Samantha Hall
Based on everyone's experiences shared here, I'd strongly recommend calling your courthouse first to ask about digital certified copies before paying the full $75. As several people mentioned, many courts now offer email delivery with embedded digital seals for much less money and faster turnaround - sometimes the same day! I also want to emphasize what the paralegal mentioned about submitting your SSA application now to establish your filing date while you wait for the document. This is crucial since you mentioned your FRA is in 3 months. SSA can backdate benefits to your initial filing date once you provide the required documentation. One more tip - when you do call SSA (or use a service like Claimyr to get through faster), ask specifically about their document submission process. Some offices accept faxed certified copies, which could save you time once you get your divorce decree. Good luck with your application!
0 coins
Paolo Longo
•This is such comprehensive advice! I really appreciate you summarizing all the key points from this thread. You're absolutely right about calling the courthouse first - I had no idea digital certified copies were even an option until reading through everyone's experiences here. The tip about establishing the filing date early is especially important since timing matters so much with these benefits. I'm definitely going to call both my courthouse and SSA this week to get the ball rolling. It's amazing how much easier this process seems now compared to when I first posted my question. Thank you to everyone who shared their real experiences - it's made all the difference!
0 coins