I was named regina marie woodley at birth. SS card stated this. My dad changed my first name to Jeanne at kindergarten registration. When I married, SS would only allow me to change the last name to Mahar. So it has been Regina Marie Mahar all my working life. I never go by regina, hate it really. I am retiring in two years. Do I need to legally change my name to get the social security benefits I have paid into? Always used the same number. A local lawyer said it will be $800. If I go to court myself, it will be $500. My husband thinks it will be fine but our checking account goes by Jeanne.