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Ok, but I got a replacement card several years ago and it was really not too hard. Took a few minutes at the SSA office with my passport (advice is to get their obscenely early to avoid waiting), and then waiting for the mail. Took a while to get in the mail, but wasn't hard, just slow.

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Normally, it shouldn't be. But, my family ran into issues such as:

1. The office was physically closed for business during COVID.

2. They needed to get documentation which was physically in another country.

3. They could not travel to that country due to travel restrictions.

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