We derive the life time and loss rate for a trapped atom that:is coupled to
fluctuating fields in the vicinity of a room-temperature metallic and/or d
ielectric surface. Our results indicate a clear predominance of near-field
effects over ordinary blackbody radiation. We develop a theoretical framewo
rk for both charged ions and neutral atoms with and without spin. Loss proc
esses that are due to a transition to an untrapped internal state are inclu
ded.