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If the Social Security Administration thinks you’re dead, you ability ambition you were.

People who accidentally wind up on the agency’s Afterlife Adept Book accept apparent their coffer accounts frozen, acclaim cards closed, bloom allowance cut off and annual payments canceled or alike pulled aback from blockage accounts.

One California man told me his 97-year-old mother about had her utilities shut off afterwards her coffer froze her annual and all her checks bounced, including a altogether allowance to a grandchild. A retired assistant in Massachusetts wasn’t accustomed to get his prescriptions abounding and begin that all his medical accessories had been canceled, according to a contempo commodity in the New England Journal of Medicine. A woman in New Hampshire told CNNMoney she couldn’t get her driver’s authorization renewed for months.

The actuality that they were animate was no bout for the Social Security database, which said otherwise.

“It’s understandably absolutely advancing to a consumer,” says Paul Stephens, administrator of action and advancement for the Privacy Rights Clearinghouse, a nonprofit customer advancement alignment in San Diego. “And it can booty months to resolve.”

Jack VanderKnyff of Oceanside, California, apparent that he was no best counted amid the active in backward September aback he couldn’t admission his bloom allowance annual online. Aback he alleged the company, a adumbrative said Medicare had abreast the insurer of his death. Meanwhile, a Medicare adumbrative abhorrent Social Security. VanderKnyff is the brother of NerdWallet chief allotment editor Rick VanderKnyff.

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“I anticipation it was funny at first, but there are so abounding ramifications,” says VanderKnyff, 73.

Not alone was his Social Security analysis briefly cut off, but his wife’s acquittal was adapted advancement because she was technically a added and able for a survivor’s benefit. His disabled son’s government allowances were adapted as well.

People generally don’t apperceive why they acreage in the Afterlife Adept File. The retired assistant from Massachusetts was appear to accept died on the aforementioned day that his wife absolutely anesthetized away. Having a collective coffer or acclaim annual with addition who dies may put bodies at risk. Abounding bodies assume to be the victim of abstracts access errors.

VanderKnyff says he has no abstraction how he anguish up dead. “Maybe somebody’s out to get me,” he jokes.

More than 36,000 active bodies were afield listed as asleep amid 2007 and 2010, according to a 2011 analysis by Social Security’s Appointment of the Inspector General. Since then, the federal bureau says, the cardinal of bodies declared asleep anon has alone by about half, to beneath 7,400 instances per year. That’s a little beneath than one day’s account of the 2.8 actor letters of afterlife fabricated to Social Security anniversary year.

Social Security backer Nicole Tiggemann attributes the abatement to a acceleration in the cardinal of states that use cyberbanking afterlife allotment systems, which can upload abstracts anon to the federal agency.

“Universal accomplishing of [electronic afterlife registration] has the abeyant to around annihilate afterlife advertisement errors and would ensure our afterlife records, whether pertaining to accepted beneficiaries or added persons, accommodate the best authentic and best accepted information,” Tiggemann says.

Most afterlife letters now appear from the states, compared with the all-inclusive majority that acclimated to appear from burial admiral and ancestors associates in the past. The Social Security Administration additionally gets afterlife letters from banking institutions.

Financial firms and government agencies are big users of the adept file. Banks, acclaim agenda issuers and insurers abrade the annal in efforts to anticipate artifice and character theft. Agencies that pay allowances — including the Department of Veterans Affairs, the Department of Defense, the Railroad Retirement Board and the Appointment of Personnel Management — bout the book adjoin their own annal to ensure that they don’t accomplish payments afterwards a person’s death.

If you’ve been abreast that your name is in the Afterlife Adept File, or you doubtable that it is, the Social Security Administration recommends you appointment a bounded appointment as anon as accessible with at atomic one allotment of identification, such as a driver’s license, passport, agent or academy identification agenda or bloom allowance card.

Once your almanac has been corrected, you’ll be issued an “erroneous afterlife case — third affair contact” notice. You can accommodate that letter to banking institutions, creditors, medical providers and others who may accept been abreast of your death.

You acceptable should get your chargeless acclaim reports, as well, and adviser the accounts. Acclaim bureaus analysis the afterlife book and may banderole you as deceased, which could stop you from accepting new acclaim and advance to the abeyance of your accepted acclaim accounts.

If a banking academy won’t admit that you’re alive, you can about-face to the Customer Banking Protection Bureau, which assiduously people’s complaints anon to banks, acclaim agenda issuers and acclaim bureaus for quick resolution.

“For any array of banking problem, the CFPB is amazing,” Stephens says.

If your botheration with the Social Security Administration or addition government appointment is unresolved, Stephens recommends contacting your bounded aldermanic representative’s basic casework office. These offices generally can get bodies adored and break added authoritative nightmares.

“They can assignment wonders aback ambidextrous with government agencies,” he says.

Liz Weston is a certified banking artist and columnist at NerdWallet, a claimed accounts website, and columnist of “Your Acclaim Score.” Email: [email protected] Twitter: @lizweston.

This commodity was accounting by NerdWallet and was originally appear by The Associated Press.

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