Your 1040 return must report your name exactly as it is on file with SSA The United States Social Security Administration

If e-filing a return using a name not matching SSA records, the e-file will be rejected.

To check or obtain your SSA record, the Niagara office can likley help you. See if they offer a less rigorous option to merely provide your record to you over the phone/in person versus obtaining a tangible replacement card via the more involved form application process.

Further, there's an alternative method that saves the trip to Niagara Falls or Buffalo. One has to make application through Toronto's "local" Social Security office, which is in Niagara Falls, NY. One can do so by phone (1-877-480-4992). Once one gets through to Niagara Falls NY one can request an appointment to be interviewed over the phone at an agreed upon time and date. They will phone you at that time.

The Niagara Falls Social Security office is located at 6540 Niagara Falls Blvd., Niagara Falls, NY 14304, and may be contacted at 716-283-1066 (Fax 1-716-283-1774) or locate another Social Security office at http://www.ssa.gov/locator/. If you are not required to go to a Social Security Card Center, you may visit any Social Security office convenient to you. National Toll-Free 1-800-772-1213