Published: September 2014
Getting married is a wonderful life event with a lot of excitement and to-dos accompanying it. Once you say, "I do," you'll need to decide if you want to take your spouse's last name. Legally changing your name can be a lengthy process, but also one that could pose a threat to the safety of your identity.
While it may appear that changing your name may just involve completing a few forms, it can actually be a bit more involved. According to TheKnot.com, you not only have to change your name with government entities like the Social Security Administration and the Department of Motor Vehicles, you also must contact your bank, credit card companies, doctors' offices and any other organization or company that you do business with on a regular basis. This means filling out a lot of paperwork with your coveted personal information — sometimes including your Social Security number and other facts you typically want to protect — which could leave your identity exposed.
The key to a successful name change is knowing what to do and how to do it securely. Having identity restoration coverage can help you if your identity is compromised.
According to IDT911, identity restoration coverage may be able to help with then name change process, whether you're changing your name after your marriage, as a result of a divorce or for other reasons. Depending on your policy, your insurer may provide a variety of services, including:
- Helping you to avoid wedding identity scams (found often at expos, select websites)
- Marriage license requirements
- Assistance with the name-change process itself
- Notifying creditors, banks and other relevant organizations of your name change
- Monitoring of your credit activity to ensure no suspicious or unauthorized activity is taking place under your maiden name
According to the Insurance Information Institute, identity restoration coverage also typically provides financial reimbursement for costs you may incur to fix your identity in the event yours is compromised throughout the process of changing your name. These costs may include legal fees, lost wages or money you spend on mailing documents. You should speak to an insurance agent to find out what your policy covers.
In addition to considering identity restoration coverage, ensuring that you are filling out the right forms in a secure way is paramount in preserving your identity while going through the name change process. The IRS recommends to only giving out your personal information to a business when it is required, not just because they ask for it.
Arming yourself with identity restoration coverage can provide you with helpful, trustworthy support throughout the name change process. It can also help you rebuild your identity and recover costs you may incur should your identity be stolen. Call your insurance agent today for more information on how identity restoration coverage can help you.