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SSN in provisions provide is second of that was Social or to to Metal 2075 hired in any capacity on or after January 1 1984. 124 Many state and local government workers however are exempt from Social Security taxes because they contribute instead to alternative retirement systems set up by their employers. 125 edit Claim that the government lied about the maximum tax George Mason University economics professor Walter E. Williams claimed that the federal government has broken its own promise regarding the maximum Social Security tax. 126 Williams used data from the federal government to back up his claim. According to a 1936 pamphlet on the Social Security website the federal government promised the following maximum level of taxation for Social Security "... beginning in 1949 twelve years from now you and your employer will each pay 3 cents on each dollar you earn up to $3 000 a year. That is the most you will ever pay." 127 However according to the Social Security website by the year 2008 the tax rate was 6.2% each for the employer and employee and the maximum income level that was subject to the tax was $102 000 raising the bar to $6 324 maximum contribution by both employee and employer total $12 648 . 128 In 2005 Williams wrote "Had Congress lived up to those promises where $3 000 was the maximum earnings subject to Social Security tax controlling for inflation today's $50 000-a-year wage earner would pay about $700 in Social Security taxes as opposed to the more than $3 000 that he pays today." 126 According to the Social Security website "The tax rate in the original 1935 law was 1% each on the employer and the employee on the first $3 000 of earnings. This rate was increased on a regular schedule in four steps so that by 1949 the rate would be 3% each on the first $3 000. The figure was never $1 400 and the rate was never fixed for all time at 1%." 129 edit Claim that it gives a low rate of return Critics of Social Security 130 claim that it gives a low rate of return compared to what is obtained through private retirement accounts. For example critics point out 130 that under the Social Security laws as they existed at that time several thousand employees of Galveston County Texas were allowed to opt out of the Social Security program in the early 1980s and have their money placed in a private retirement plan instead. While employees who earned $50 000 per year would have collected $1 302 per month in Social Security benefits the private plan paid them $6 843 per month. While employees who earned $20 000 per year would have collected $775 per month in Social Security benefits the private plan paid them $2 740 per month at interest rates prevailing in 1996. 130 While some advocates of privatization of Social Security point to the Galveston pension plan as a model for Social Security reform critics point to a GAO report 131 to the House Ways and Means Committee which indicates that for low and middle income employees particularly those with shorter work histories the outcome may be less favorable. edit Claim that it is a pyramid or Ponzi scheme See also Criticism of Social Security as a pyramid or Ponzi scheme Economists since Samuelson in 1967 132 have drawn parallels between Social Security and pyramid schemes e.g. Social Security has been a pyramid scheme from the beginning. Those who paid in first received money from those who paid in second—and so on generation after generation. This was great so long as the small generation when Social Security began was being supported by larger generations resulting from the baby boom. But like all pyramid schemes the whole thing is in big trouble once the pyramid stops growing. When the baby boomers retire that will be the moment of truth—or of more artful lies. Just like Enron . — Thomas Sowell #160 Capitalism Magazine 133 One criticism of the analogy is that Ponzi schemes and social security have similar structures but different transparencies The true Ponzi scheme proffers a mythical source of revenue-generation 134 while social security payments have always been openly underwritten by tax revenue . 135 This has permitted adjustments for sustainability—impossible in a Pyramid scheme 136 because Social Security can be sustained by raising additional taxes or transferring resources from other budget expenditure items. Because of these and other issues Robert E. Wright calls Social Security a "quasi" pyramid scheme in his book Fubarnomics . edit Estimated net Social Security benefits under differing circumstances Single men with different wages and retirement dates In 2004 Urban Institute economists C. Eugene Steuerle and Adam Carasso created a Web-based Social Security benefits calculator. 137 Using this calculator it is possible to estimate net Social Security benefits i.e. estimated lifetime benefits minus estimated lifetime FICA taxes paid for different types of recipients. In the book Democrats and Republicans – Rhetoric and Reality Joseph Fried used the calculator to create graphical depictions of the estimated net benefits of men and women who were at different wage levels single and married with stay-at-home spouses and retiring in different years. These graphs vividly show that generalizations about Social Security benefits may be of little predictive value for any given worker due to the wide disparity of net benefits for people at different income levels and in different demographic groups. For example the graph below Figure 168 shows the impact of wage level and retirement date on a male worker. As income goes up net benefits get smaller – even negative. Impact of gender and wage levels on net SS benefits However the impact is much greater for the future retiree in 2045 than for the current retiree 2005 . The male earning $95 000 per year and retiring in 2045 is estimated to lose over $200 000 by participating in the Social Security system. 138 In the next graph Figure 165 the depicted net benefits are averaged for people turning age 65 anytime during the years 2005 through 2045. In other words the disparities shown are not related to retirement. However we do see the impact of gender and wage level. Because women tend to live longer they generally collect Social Security benefits for a longer time. As a result they get a higher net benefit on average no matter what the wage level. 139 Net lifetime SS benefits of married men and women where only one person works The next image Figure 166 shows estimated net benefits for married men and women at different wage levels. In this particular scenario it is assumed that the spouse has little or no earnings and thus will be entitled to collect a spousal retirement benefit. According to Fried "Two significant factors are evident First every column in Figure 166 depicts a net benefit that is higher than any column in Figure 165. In other words the average married person with a stay-at-home spouse gets a greater benefit per FICA tax dollar paid than does the average single person – no matter what the gender or wage level. Second there is only limited progressivity among married workers with stay-at-home spouses. Review Figure 166 carefully The net benefits drop as the wage levels increase from $50 000 to $95 000 however they increase as the wage levels grow from $5 000 to $50 000. In fact net benefits are lowest for those earning just $5 000 per year." 140 The last graph shown Figure 167 is a combination of Figures 165 and 166. In this graph it is very clear why generalizations about the value of Social Security benefits are meaningless. At the $95 000 wage level a married person could be a big winner – getting net benefits of about $165 000. On the other hand he could lose an estimated $152 000 in net benefits if he remains single. Altogether there is a "swing" of over $300 000 based upon the marriage decision and the division of earnings between the spouses . In addition there is a large disparity between the high net benefits of the married person earning $95 000 $165 152 versus the relatively low net benefits of the man or woman earning just $5 000 $30 025 or $41 890 depending on gender . In other words the high earner in this scenario gets a far greater return on his FICA tax investment than does the low earner. 141 Comparison of net SS benefits In the book How Social Security Picks Your Pocket other factors affecting Social Security net benefits are identified Generally people who work for more than 35 years get a lower net benefit – all other factors being equal. People who do not live long after retirement age get a much lower net benefit. Finally people who derive a high percentage of income from non-wage sources get high Social Security net benefits because they appear to be "poor " when they are not. The progressive benefit formula for Social Security is blind to the income a worker may have from non-wage sources such as spousal support dividends and interest or rental income. 142 edit Current controversies Main article Social Security debate United States Proposals to reform of the Social Security system have led to heated debate centering around funding of the program. In particular proposals to privatize funding have caused great controversy. edit Contrast with private pensions Although Social Security is sometimes compared to private pensions this is an improper comparison since Social Security is social insurance and not a retirement plan. The payment of disability benefits also distinguishes Social Security from most private pensions. In other ways the two systems are fundamentally different as well. A private pension fund accumulates the money paid into it eventually using those reserves to pay pensions to the workers who contributed to the fund and a private system is not universal. Social Security cannot "prefund" by investing in marketable assets such as equities because federal law prohibits it from investing in assets other than those backed by the U.S. government. As a result its investments to date have been limited to "special" non-negotiable securities issued by the U.S. Treasury although some citation needed argue that debt issued by the Federal National Mortgage Association and other quasi-governmental organizations could meet legal standards. Social Security cannot by law invest in private equities although some other countries such as Canada and some states permit their pension funds to invest in private equities. As a universal system Social Security operates as a pipeline through which current tax receipts from workers are used to pay current benefits to retirees survivors and the disabled. There is an excess of taxes withheld over benefits paid and by law this excess is invested in Treasury securities not in private equities as described above. Two broad categories of private pension plans are "defined benefit pension plans" and "defined contribution pension plans." Of these two Social Security is more similar to a defined benefit pension plan. In a defined benefit pension plan the benefits ultimately received are based on some sort of pre-determined formula such as one based on years worked and highest salary earned . Defined benefit pension plans generally do not include separate accounts for each participant. By contrast in a defined contribution pension plan each participant has a specific account with funds put into that account by the employer or the participant or both and the ultimate benefit is based on the amount in that account at the time of retirement. Some have proposed that the Social Security system be modified to provide for the option of individual accounts in effect to make the system at least in part more like a defined contribution pension plan . Specifically on February 2 2005 President George W. Bush made Social Security a prominent theme of his State of the Union Address . 143 He described the Social Security system as "headed for bankruptcy" and outlined in general terms a proposal based on partial privatization . Critics responded that privatization would worsen the program's solvency outlook and would require huge new borrowing. See Social Security debate United States . Both "defined benefit" and "defined contribution" private pension plans are governed by the Employee Retirement Income Security Act ERISA which requires employers to provide minimum levels of funding to support "defined benefits" pensions. The purpose is to protect the workers from corporate mismanagement and outright bankruptcy although in practice many private pension funds have fallen short in recent years. In terms of financial structure the current Social Security system is analogous to an underfunded "defined benefit" pension "underfunded" meaning not that it is in trouble but that its "savings" are not enough to pay future benefits without collecting future tax revenues . edit Court interpretation of the Act to provide benefits The United States Court of Appeals for the Seventh Circuit has indicated that the Social Security Act has a moral purpose and should be liberally interpreted in favor of claimants when deciding what counted as covered wages for purposes of meeting the quarters of coverage requirement to make a worker eligible for benefits. 144 That court has also stated ". . . T he regulations should be liberally applied in favor of beneficiaries" when deciding a case in favor of a felon who had his disability payments retroactively terminated upon incarceration. 145 According to the court that the Social Security Act "should be liberally construed in favor of those seeking its benefits can not be doubted." 146 “The hope behind this statute is to save men and women from the rigors of the poor house as well as from the haunting fear that such a lot awaits them when journey's end is near.” 147 edit Constitutionality The constitutionality of Social Security is intricately linked to the evolving nature of Supreme Court jurisprudence on federal power the 20th century saw a dramatic increase in allowed congressional action . When Social Security was first passed there were significant questions over its constitutionality as the Court had found another pension scheme the original Railroad Retirement Act to violate the due process clause of the Fifth Amendment . Some such as University of Chicago law professor Richard Epstein and Robert Nozick have argued that Social Security should be unconstitutional. citation needed In the 1937 U.S. Supreme Court case of Helvering v. Davis 148 the Court examined the constitutionality of Social Security when George Davis of the Edison Electric Illuminating Company of Boston sued in connection with the Social Security tax. The U.S. District Court for the District of Massachusetts first upheld the tax. The District Court judgment was reversed by the Circuit Court of Appeals. Commissioner Guy Helvering of the Bureau of Internal Revenue now the Internal Revenue Service took the case to the Supreme Court and the Court upheld the validity of the tax. During the 1930s President Franklin Delano Roosevelt was in the midst of promoting the passage of a large number of social welfare programs under the New Deal and the High Court struck down many of those programs such as the Civilian Conservation Corps and the National Recovery Act as unconstitutional. Modified versions of the affected programs were afterwards approved by the Court including Social Security. When Helvering v. Davis was argued before the Court the larger issue of constitutionality of the old-age insurance portion of Social Security was not decided. The case was limited to whether the payroll tax was a suitable use of Congress's taxing power. Despite this no serious challenges regarding the system's constitutionality are now being litigated and Congress's spending power may be more coextensive as shown in cases like South Dakota v. Dole 149 during the Reagan Administration. edit Fraud and abuse edit Social security number theft Because Social Security Numbers have become useful in identity theft and other forms of crime various schemes have been perpetrated to acquire valid Social Security Numbers and related identity information. In February 2006 the Social Security Administration received several reports of an email message being circulated addressed to “Dear Social Security Number And Card owner” and purporting to be from the Social Security Administration. The message informs the reader “that someone illegally is using your Social Security number and assuming your identity” and directs the reader to a website designed to look like Social Security’s Internet website. “I am outraged that someone would target an unsuspecting public in this manner ” said Commissioner Jo Anne B. Barnhart . “I have asked the Inspector General to use all the resources at his command to find and prosecute whoever is perpetrating this fraud.” 150 Once directed to the phony website the individual is reportedly asked to confirm his or her identity with “Social Security and bank information.” Specific information about the individual’s credit card number expiration date and PIN is then requested. “Whether on our online website or by phone Social Security will never ask you for your credit card information or your PIN” Commissioner Jo Anne B. Barnhart reported. Social Security Administration Inspector General O’Carroll recommended people always take precautions when giving out personal information. “You should never provide your Social Security number or other personal information over the Internet or by telephone unless you are extremely confident of the source to whom you are providing the information ” O’Carroll said. See Press Release . edit Fraud in the acquisition and use of benefits Given the vast size of the program fraud occurs. The Social Security Administration has its own investigatory group Continuing Disability Investigations CDI . In addition the Social Security Administration may request investigatory assistance from other federal law enforcement agencies including the Office of the Inspector General and the FBI . citation needed edit Restrictions on potentially deceptive communications Because of the importance of Social Security to millions of Americans many direct-mail marketers packaged their mailings to resemble official communications from the Social Security Administration hoping that recipients would be more likely to open them. In response Congress amended the Social Security Act in 1988 to prohibit the private use of the phrase "Social Security" and several related terms in any way that would convey a false impression of approval from the Social Security Administration. The constitutionality of this law 42 U.S.C. #160 § #160 1140 was upheld in United Seniors Association Inc. v. Social Security Administration 423 F.3d 397 4th Cir. 2005 cert den 547 U.S. 1162 126 S.Ct. 2346 2006 text at Findlaw . 151 edit Public Economics and Social Security The neutrality of this section is disputed . Please see the discussion on the talk page . Please do not remove this message until the dispute is resolved. June 2011 This section provides information how social security is considered by the public economists. It also tells about the future strategies to deal with problems that can be faced by this system. edit Consumption smoothing and the annuity market Life annuity Social Security provides insurance for the possibility of living longer than expected when a person has consumed all the resources saved for retirement. Annuity is one answer to such an eventuality. A person will buy an annuity and will pay a certain amount during his working life up to around 65 and then receive benefits in return upon retirement. The larger the premium the larger the benefits he will receive when all the other things remain same. The second concept of consumption smoothing means that a person reduces his consumption when he is earning at the highest level and saves for the years when he will be old and not able to earn at this level but wants to achieve a certain level of consumption for him or his family. A risk averse person will be willing to buy an annuity and reduce his consumption in return for a guaranteed level of income after his retirement and for his family after his death. But this has some problems like adverse selection Adverse selection due to asymmetric information Asymmetric information . 152 edit Economize on decision making and administrative costs It means that in order to properly decide what amount of money one should save and how to invest so that its returns can be used in the old age for one’s benefits. These are difficult things and by joining the social security relieve one from these issues but still problem with government program remains that it will not satisfy the choices of many people. In the same manner the supply side has to deal with the issues of moral hazard adverse selection and for this purpose they want a lot of information on life expectancies in order to determine annuities. Annuities also have to pay to the sales people high commissions. But making compulsory to join for everyone in a program saves all these costs. 152 edit Income redistribution This is so planned that the benefits are lesser for the people with high income averages and high for the low income people. In this way social security redistributes the incomes. Moreover there is also intergenerational redistribution of income also. In the pay as you go system the present generation of workers pays for the benefits of the earlier generation. 152 edit Saving behavior Social security affects the saving behavior of the people in three different ways. In the wealth substitution effect Substitution effect#Substitution effect when a person is paying for his social security it is expected that he will save less because he knows that in the event of his old age social security will take care of him. In the retirement effect increases the savings because people would like to retire earlier and this will induce them to save more because now they have to pay for more years after retirement. The bequest effect also increases saving. Because people want to save for children when they will pay for social security this will decrease resources and they will save. 152 edit Improved income status of the aged Social security has decreased poverty in the elderly people. During 1974-2003 the median real income among the population above 15 increased by 30% and in the population over 65 this increase was 45%. But still the problem persists and still the women especially widows are likely to experience economic stress. 152 edit Social Security Solvency Cost and Benefit Analysis A cost and benefit analysis is given here in order to make the Social Security solvent and maintain the current system. edit Raising the maximum taxable earning levels At present the limit is $106 800. But if the cap is lifted and it includes all the income then it will be able to tackle the problem of increasing benefits by more increase in the revenues. Another way can be that lift the cap on the taxable income but do not increase the benefits. Cost will be for high income earning people to pay more and benefit will be solvency of the social security will be ensured. 152 edit Increasing retirement age Because the life expectancy has increased and there is hope that it will increase more than it requires that the retirement age may also be increased. If the retirement age is increased to 68 it will increase the payroll tax by 0.52 percentage point but it still falls far short of required 3.5 percentage point increase in payroll tax. The cost will be more working years and less leisure and benefit will be that payroll tax will be slightly low. 152 edit Reducing cost of living adjustment COLA At present a retiree’s benefit is each year increased by the cost of living measured in CPI. According to some economists the CPI overestimates the price increases so it is appropriate to adjust benefits less than CPI Boskin et al. 1998 . If the benefits adjustments is delinked from CPI and it will reduce cost of living and the reduction in cost of living will increase benefits by 0.79 dollar for every dollar reduced. 152 edit Changing of the benefit formula At present AIME is calculated on the average of 35 years of earnings as discussed earlier if the retirement is increased to 68 then the average for calculation of AIME may be increased to 38 years earnings. It will decrease the lifetime earnings and it will decrease the benefits. This would increase the payroll tax by 0.26 percentage points. Another variant of this can be now AIME uses the indexing based on average wage growth for 35 years but if it was based on CPI then it will also reduce the benefits. It will help in sustainable solvency because the wages tend to rise more as compared to prices. In order to help the poor the lowest income 30% of the retirees may be given benefits based on wage indexing and all the rest on price indexing or the mix of both indexes. 152 edit See also 401 k Health savings account Individual retirement account Federal Emergency Relief Administration Federal Insurance Contributions Act Flemming v. Nestor Goldberg v. Kelly Government operations Michael J. Astrue Commissioner Social Security Administration Social Security Administration Franco Modigliani National Organization of Social Security Claimants' Representatives NOSSCR Ownership society Richardson v. Perales Social Security debate United States Social security disability Steward Machine Company v. Davis Supplemental Security Income edit References ^ 42 U.S. § 401 Law.cornell.edu retrieved January 4 2010. ^ Social Security Act of 1935 "Legislative History 1935 Social Security Act" . http // socialsecurity.gov/history/35actinx.html . Retrieved November 8 2006 . #160 ^ 42 USC 7 "US Code—Title 42—The Public Health and Welfare" . Archived from the original on October 12 2006 . http //web.archive.org/web/20061012002738/http // access.gpo.gov/uscode/title42/chapter7_.html . Retrieved November 8 2006 . #160 ^ "42 USC 401 Trust Funds" . http // law.cornell.edu/uscode/html/uscode42/usc_sec_42_00000401 000-.html . Retrieved November 8 2006 . #160 four ^ "OASDI Expenditures" . Archived from the original on March 6 2005 . http //web.archive.org/web/20050306003217/http // ssa.gov/OACT/STATS/t4a3Outgo.html . Retrieved December 3 2005 . #160 ^ Mid-session review budget of the U.S. Government Fiscal Year 2009 ^ Feldstein M. 2005 . Rethinking social insurance. American Economic Review 95 1 pp. 1–24. ^ 45. Orr D. November – December 2004 . Social Security isn't broken So why the rush to 'fix ' it In C. Sturr amp R. Vasudevan Eds. 2007 Current economic issues . Boston Economic Affairs Bureau. ^ "2011 Annual Report by the Social Security Board of Trustees" . Journalist's Resource.org . http //journalistsresource.org/studies/government/politics/social-security-report-2011/ . #160 ^ "A Reader's Companion to American History Poverty" . http //college.hmco /history/readerscomp/rcah/html/ah_070900_poverty.htm . Retrieved March 17 2006 . #160 ^ "History 1930" . Ssa.gov . http // ssa.gov/history/1930.html . Retrieved 2009-05-21 . #160 ^ a b Achenbaum Andrew. Social Security Visions and Revisions. New York Cambridge University Press 1986. p. 25-6 ^ Mink Gwendolyn. The Wages of Motherhood Inequality in the welfare state 1917–1942 . Ithaca Cornell University Press 1995. p. 127 ^ Quadagno Jill. The Color of Welfare How racism undermined the war on poverty . New York Oxford University Press 1994. p. 7 ^ a b Kessler-Harris Alice 2001. p. 130-1 ^ Kessler-Harris Alice 2001. p. 146 ^ Kessler-Harris Alice 2001. p.157 ^ a b c d Katznelson Ira. When Welfare was White The untold history of racial inequality in twentieth century America . New York W.W. Norton 2005. p. 43-8 ^ a b c Mink Gwendolyn. The Wages of Motherhood 1995. p. 126-130 ^ Mink 1995 p. 142 ^ Mink 1995 p. 143 ^ Supremecourthistory.org dead link ^ Social Security Administration ^ " Steward Machine Company vs. Davis 301 U.S 548" . http // oyez.org/oyez/resource/case/368/ . Retrieved December 3 2005 . #160 ^ First Payments of Social Security Social Security Administration. ^ Research Note #3 Details of Ida May Fuller's Payroll Tax Contributions Social Security Administration. ^ Achenbaum Andrew. Social Security Visions and Revisions 1986. p. 124 ^ Kessler-Harris Alice. In Pursuit of Equity 2001. p. 156 ^ a b Achenbaum 1986. p. 130 ^ p. 19 ^ Achenbaum 1986 p. 30 ^ Achenbaum 1986 p. 33 ^ Berstein Merton and Joan. Social Security The System that Works . New York Basic Books Inc. 1988 . p. 10 ^ SSA.gov budget treatment dead link ^ Mink Gwendolyn. The Wages of Motherhood 1995. p. 134 ^ Achenbaum Andrew. Social Security Visions and Revisions . p. 30 ^ Achenbaum 1986 p. 27 30 ^ Kessler-Harris Alice. In Pursuit of Equity 2001. p. 134 ^ Mink Gwendolyn. The Wages of Motherhood 1995. p. 135-6 ^ Kessler-Harris Alice. In Pursuit of Equity 2001. p. 141 ^ Mink Gwendolyn. The Wages of Motherhood 1995. p. 137 ^ Achenbaum Andrew. Social Security Visions and Revisions 1986. p.34 ^ Kessler-Harris 2001. p. 150 ^ Kessler-Harris 2001 p. 161 ^ Kessler-Harris Alice. In Pursuit of Equity 2001. p. 161 ^ Achenbaum Andrew. Social Security Visions and Revisions 1986. p. 129 ^ a b SSA.gov ^ a b Achenbaum 1986. p. 58 ^ Achenbaum 1986 p. 67 ^ Frum David 2000 . How We Got Here The '70s . New York New York Basic Books. p. #160 324. ISBN #160 0465041957 . #160 ^ Sylvester J. Schieber and John. B. Shoven The Real Deal the History and Future of Social Security . New Haven and London Yale University Press 1999 p. 182 ^ Achenbaum Andrew. Social Security Visions and Revisions 1986. p. 68 ^ Sylvester J. Schieber and John. B. Shoven The Real Deal 1999 p. 190 ^ "Report of the National Commission on Social Security Reform" . http // ssa.gov/history/reports/gspan.html . Retrieved 2008-03-15 . #160 ^ Achenbaum Andrew. Social Security Visions and Revisions 1986. p. 87 ^ "Chapter 2 of the 1983 Greenspan Commission on Social Security Reform" . http // ssa.gov/history/reports/gspan5.html . Retrieved March 17 2006 . #160 ^ "Research Notes amp Special Studies by the Historian's Office" . http // ssa.gov/history/taxationofbenefits.html . Retrieved March 17 2006 . #160 ^ See 26 U.S.C. #160 § #160 86 . ^ Webb Roy 1991 . “The Stealth Budget Unfunded Liabilities of the Federal Government ” Economic Review Federal Reserve Bank of Richmond 77 2 May/June ^ Kessler-Harris Alice. In Pursuit of Equity 2001. p. 168 ^ Kessler-Harris Alice. In Pursuit of Equity 2001. p. 131 ^ "Social Security Summary of Major Changes in the Cash Benefits Program" . Socialsecurity.gov . http // socialsecurity.gov/history/reports/crsleghist2.html . Retrieved 2009-05-21 . #160 ^ "Contribution and Benefit Base" . SSA.gov . http // ssa.gov/OACT/COLA/cbb.html . Retrieved 2009-05-21 . #160 ^ "Social Security Administration "Considerations for Potential Proposals to Change the Earliest Eligibility Age for Retirement"" . Socialsecurity.gov . http // socialsecurity.gov/policy/docs/policybriefs/pb2007-01.html . Retrieved 2009-05-21 . #160 ^ a b "POMS RS 00605.021" . S044a90.ssa.gov . https //s044a90.ssa.gov/apps10/poms.nsf/lnx/0300605021 opendocument . Retrieved 2009-05-21 . #160 ^ "Social Security Administration "Benefit Formula Bend Points"" . Socialsecurity.gov . http // socialsecurity.gov/OACT/COLA/bendpoints.html . Retrieved 2009-05-21 . #160 ^ "Normal Retirement Age" . Social Security Administration. September 19 2005 . http // ssa.gov/OACT/ProgData/nra.html . Retrieved 2006-05-14 . #160 ^ Young Mitchell 2010 . " Opposing Viewpoints Series Social Security." New York. ^ a b "Survivors Benefits" . SSA Publication No. 05-10084 ICN 468540 . 2007 . http // ssa.gov/pubs/10084.html . Retrieved 2007-12-24 . #160 ^ Clayworth Jason 2 December 2009 . "West Branch girl entitled to dead dad's benefits judge rules" . Iowa City Press Citizen . http // press-citizen /article/20091202/NEWS01/91202001/1079/West-Branch-girl-entitled-to-dead-dad-s-benefits-judge-rules . Retrieved 2 December 2009 . #160 dead link ^ "What We Mean By Disability" . http // ssa.gov/dibplan/dqualify4.htm . Retrieved December 3 2005 . #160 ^ "Social Security Numbers For Children" . Ssa.gov. 2008-11-03 . http // ssa.gov/pubs/10023.html . Retrieved 2009-05-21 . #160 ^ a b Hiwaay.net ^ See 26 U.S.C. #160 § #160 6109 d . ^ keep "Tax Reform Act of 1986" . http // socialsecurity.gov/history/ssn/reagantax.html . Retrieved November 8 2006 . #160 ^ "26 USC 6051" . http //frwebgate.access.gpo.gov/cgi-bin/getdoc.cgi dbname=browse_usc amp docid=Cite +26USC6051 . Retrieved November 8 2006 . #160 ^ Straylight.law.cornell.edu ^ Law.cornell.edu ^ Straylight.law.cornell.edu ^ Straylight.law.cornell.edu ^ "OASDI Trust Funds" . http // ssa.gov/OACT/STATS/table4a3.html . Retrieved January 23 2008 . #160 ^ "Unfunded Obligation and Transition Cost for the OASDI Program" PDF . Actuarial Note 2008.1 . Social Security Administration . July 2008 . http // ssa.gov/OACT/NOTES/ran1/an2008-1.pdf . Retrieved June 26 2010 . #160 ^ "The 2009 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust Funds" PDF . Social Security Administration . May 2009 . http // socialsecurity.gov/OACT/TR/2009/tr09.pdf . Retrieved June 27 2010 . #160 ^ SSA.gov ^ David Traver. "Option " . Ssaconnect . http //ssaconnect /component/option com_forum/Itemid 2/page viewtopic/t 3295/ . Retrieved 2009-05-21 . #160 ^ Christians Allison June 28 2006 . "Social Security in United States Treaties and Executive Agreements" . Internationalen Steuerrecht 43 . http //ssrn /abstract=822504 . #160 ^ "International Agreements" . http // ssa.gov/international/status.html . Retrieved January 26 2009 . #160 ^ Privacy Act of 1974 Pub. L. No. 93-579 88 Stat. 1897 December 31 1974 sec. 7 a emphasis added . ^ 26 U.S.C. #160 § #160 6109 d . ^ "OASDI Trust Funds See above " . http // ssa.gov/OACT/STATS/table4a3.html . Retrieved December 3 2005 . #160 ^ "Social Security Administration" . http // ssa.gov/OACT/TRSUM/trsummary.html . Retrieved December 3 2005 . #160 ^ "Congressional Budget Office" . http // cbo.gov/showdoc.cfm index=5666 amp sequence=0 . Retrieved December 3 2005 . #160 ^ "2007 OASDI Trustees Report Conclusions" . Socialsecurity.gov. 2007-04-23 . http // socialsecurity.gov/OACT/TR/TR07/II_conclu.html . Retrieved 2009-05-21 . #160 ^ "Social Security Underestimates Future Life Spans Critics Say" . http // heraldtribune /apps/pbcs.dll/article AID=/20041231/ZNYT02/412310311 . Retrieved December 3 2005 . #160 ^ Technical Panel on Assumptions and Methods 2007 "Report to the Social Security Advisory Board " October 2007 ^ Social Security Advisory Board "Press Release The Report of the 2007 Technical Panel on Assumptions and Methods " June 5 2008 ^ Samuelson Robert J. January 14 2005 . "It's More Than Social Security washingtonpost " . The Washington Post . http // washingtonpost /wp-dyn/articles/A8100-2005Jan13.html . Retrieved December 3 2005 . #160 ^ SSA.gov ^ Taylor Andrew July 22 2008 . "Social Security unveils new earnings calculator". USA Today . #160 ^ 1 ^ See 26 U.S.C. #160 § #160 1402 . ^ I am self-employed. How do I pay Social Security tax . Social Security Administration. Retrieved on April 28 2007. ^ Self-Employment Tax . Internal Revenue Service. Retrieved on April 28 2007. ^ IRS Publications 15 15-A ^ Page 11 Instructions for 1984 Form 1040 U.S. Individual Income Tax Return Internal Revenue Service U.S. Dep't of the Treasury. ^ Page 19 Instructions for 1994 Form 1040 U.S. Individual Income Tax Return Internal Revenue Service U.S. Dep't of the Treasury. ^ "Idea Channel homepage" . Ideachannel.tv/. 2007-01-29 . http //ideachannel.tv . Retrieved 2009-05-21 . #160 ^ Milton Friedman amp Rose Friedman " Free to Choose " New York Harcout Brace Jovanovich 1980 pg. 102–107. ^ "Perspectives" . Nysscpa.org . http // nysscpa.org/cpajournal/2005/405/perspectives/p17.htm . Retrieved 2009-05-21 . #160 ^ a b "Testimony" . Cato.org. 2005-05-17 . http // cato.org/testimony/ct-mt051705.html . Retrieved 2009-05-21 . #160 ^ "Ask this view" . Niemanwatchdog.org. 2005-01-24 . http // niemanwatchdog.org/index.cfm fuseaction=ask_this.view amp askthisid=0084 . Retrieved 2009-05-21 . #160 ^ Social Security's benefit formula provides 90% of average indexed monthly earnings AIME below the first "bend point" 32% of AIME between the first and second bend points and 15% of AIME in excess of the second bend point. Primary Insurance Amount Social Security Administration. ^ Cynthia M. Fagnoni General Accounting Office "Social Security and Minorities Current Benefits and Implications of Reform" Testimony before the Subcommittee on Social Security Committee on Ways and Means House of Representatives February 10 1999. ^ Alexa A. Hendley and Natasha F. Bilimoria Social Security Administration "Minorities and Social Security An Analysis of Racial and Ethnic Differences in the Current Program" Social Security Bulletin Vol. 62 No. 2 1999 pp. 59–64. ^ General Accounting Office "Social Security and Minorities Earnings Disability Incidence and Mortality Are Key Factors That Influence Taxes Paid and Benefits Received" Report to the Ranking Minority Member Subcommittee on Social Security Committee on Ways and Means House of Representatives April 2003. ^ "POMS RS 00207.001.C2" . S044a90.ssa.gov . https //s044a90.ssa.gov/apps10/poms.nsf/lnx/0300207001 opendocument#c2 . Retrieved 2009-05-21 . #160 ^ "POMS RS 00207.001.A2" . S044a90.ssa.gov . https //s044a90.ssa.gov/apps10/poms.nsf/lnx/0300207001 opendocument#a2 . Retrieved 2009-05-21 . #160 ^ "POMS RS 00207.001.C1" . S044a90.ssa.gov . https //s044a90.ssa.gov/apps10/poms.nsf/lnx/0300207001 opendocument#c1 . Retrieved 2009-05-21 . #160 ^ Bella M. DePaulo Wendy L. Morris 2006 "The Unrecognized Stereotyping and Discrimination Against Singles" Current Directions in Psychological Science 15 5 251–254. ^ C. Eugene Steuerle Adam Carasso "Social Security Benefits and the Language of Guarantees " Urban Research Institute 2000 Urban.org ^ Brooke Oberwetter 2005-06-13 . "Show" . Reason . http // reason /news/show/32932.html . Retrieved 2009-05-21 . #160 ^ "Marriage wealth" . Money.cnn . 2006-01-18 . http //money.cnn /2006/01/18/pf/marriage_wealth/index.htm . Retrieved 2009-05-21 . #160 ^ "Fact Sheet Millions Enjoy Ownership and Control Outside Social Security" . Whitehouse.gov . http //georgewbush-whitehouse.archives.gov/news/releases/2005/04/20050415-4.html . Retrieved 2009-05-21 . #160 ^ SSA's Office of Legislation amp Congressional Affairs November 26 1984 . "Summary of P.L. 98-21 H.R. 1900 Social Security Amendments of 1983-Signed on April 20 1983" . Social Security Administration . http // ssa.gov/history/1983amend.html . Retrieved 2009-05-28 . #160 ^ Social Security Administration Retirement Planner State and Local Government Employment ^ a b "Williams" . Jewishworldreview . http // jewishworldreview /cols/williams022305.asp . Retrieved 2009-05-21 . #160 ^ "Social Security Numbers" . SSA.gov . http // ssa.gov/history/ssn/ssb36.html . Retrieved 2009-05-21 . #160 ^ "Update 2010" . Ssa.gov. 2008-11-03 . http // ssa.gov/pubs/10003.html . Retrieved 2009-05-21 . #160 ^ "Myths and Misinformation about Social Security" . SSA.gov . http // ssa.gov/history/InternetMyths.html . Retrieved 2009-05-21 . #160 ^ a b c NCPA.org dead link ^ GAO.gov ^ Laursen E. 12 March 2010 . "Is Social Security really a Ponzi scheme" . http //peoplespension.infoshop.org/blogs-mu/2010/03/12/ponzi-scheme/ . "The Ponzi epithet for Social Security originated in a 1967 Newsweek column by Paul Samuelson ... A growing nation is the greatest Ponzi scheme ever contrived. And that is a fact not a paradox " #160 ^ "Social Security The Enron That Politicians Have In the Closet" . Capitalism Magazine. 23 March 2002 . http // capmag /article.asp ID=1505 . #160 ^ Zuckoff M. 2009-01-07 . "Social Security a Ponzi scheme No way" . Fortune . http //money.cnn /2009/01/06/news/economy/social.security.fortune/index.htm . "Some commentators are finding a tempting comparison between the Madoff scandal and the Social Security system. Here's why it's wrong." #160 ^ DeWitt L. January 2009 . "Research Note #25 Ponzi Schemes vs. Social Security" . Social Security Online . http // ssa.gov/history/ponzi.htm . #160 ^ Kennelly B. B. 2009-02-04 . "Social Security is Not a Ponzi Scheme" . http // ncpssm.org/news/archive/le_ponzi_scheme_wt_2409/ . #160 ^ C. Eugene Steuerle and Adam Carasso "The USA Today Lifetime Social Security and Medicare Benefits Calculator " Urban Institute October 1 2004 from Urban.org NOTE The calculator does not include the value or cost of the Social Security disability program. ^ Fried Joseph Democrats and Republicans – Rhetoric and Reality New York Algora Publishing 2008 212. ^ Fried Joseph Democrats and Republicans – Rhetoric and Reality New York Algora Publishing 2008 205. ^ Fried Joseph Democrats and Republicans – Rhetoric and Reality New York Algora Publishing 2008 206. ^ Fried Joseph Democrats and Republicans – Rhetoric and Reality New York Algora Publishing 2008 208. ^ Fried Joseph How Social Security Picks Your Pocket New York Algora Publishing 2003 27–33. ^ Bush George W. February 2 2005 . "State of the Union Address" . Office of the Press Secretary . http //georgewbush-whitehouse.archives.gov/news/releases/2005/02/20050202-11.html . Retrieved 2008-07-19 . #160 ^ Conklin v. Celebrezze 319 F.2d 569 7th Cir. 1963 . ^ Dugan v. Sullivan 957 F.2d 1384 1389 7th Cir. 1992 quoting Wyatt v. Barnhart 349 F.3d 983 986 7th Cir. 2003 . ^ Carroll v. Social Sec. Bd. 128 F.2d 876 7th Cir. 1942 citing Helvering v. Davis 301 U.S. 619 640–645 57 S.Ct. 904 1937 hereinafter Davis . ^ Davis at 641. ^ 301 U.S. 619 1937 . ^ 483 U.S. 203 1987 . ^ SSA.gov ^ "United Seniors Association vs Social Security Administration" PDF . http //caselaw.lp.findlaw /data2/circs/4th/041804p.pdf . Retrieved March 17 2006 . #160 ^ a b c d e f g h i Rosen Harvey S. and Gayer Ted Public Finance 8th edition McGraw Hill companies 2008. Works referenced Achenbaum Andrew. Social Security Visions and Revisions 1986. Feldstein Martin and Jeffrey Liebman eds. The Distributional Aspects of Social Security and Social Security Reform. Chicago University of Chicago Press 2002. Kessler-Harris Alice. In Pursuit of Equity women men and the quest for economic citizenship in 20th century America . New York Oxford University Press 2001. Social Security Administration Beneficiaries and costs information Wright Robert E. Fubarnomics A Lighthearted Serious Look at America's Economic Ills. Buffalo N.Y. Prometheus 2010. edit Further reading Community of Minds Working Together – The $44 Trillion Abyss – 2003 Fortune Magazine 1 Social Security Suicide – AlterNet 2 "The Fake Crisis" 3 - Rolling Stone "What Does Price Indexing Mean for Social Security Benefits " 4 - from Center for Retirement Research January 2005 explanation of wage indexing versus price indexing Getting a grip on Social Security The flaw in the system 5 Center for American Progress Social Security by the Numbers reference guide with stats 6 "An ownership society evolves who says individualized accounts are a better way to solve social problems The laws of nature" 7 by William Tucker relates self-organization theory to Social Security Edward D. Berkowitz and Eric R. Kingson. Social Security and Medicare A Policy Primer. Auburn House. 1993 online 214 pp Shirley Jenkins et al. eds. Social Security in International Perspective Essays in Honor of Eveline M. Burns Columbia University Press 1969 online Patricia P. Martin and David A. Weaver. "Social Security A Program and Policy History " Social Security Bulletin Vol. 66 No. 1 2005 online version Myers Robert J. Social Security. University of Pennsylvania Press. 1993. Schieber Sylvester J. and John B. Shoven. The Real Deal. Yale University Press 1999. Max J. Skidmore Social Security and Its Enemies The Case for America's Most Efficient Insurance Program Westview Press 1999 online Michael D. Tanner Social Security and Its Discontents Perspectives on Choice Cato Institute 2004 online libertarian criticism David Traver Social Security Disability Advocate's Handbook James Publishing 2006 ISBN 1-58012-033-4 Social Security Handbook Germania Publishing 2006. Social Security Program Operations Manual System . Social Security Administration. S044a90.ssa.gov Brown Jeffrey R. Jeffrey B. Liebman and David A. Wise 2009 . Social Security Policy in a Changing Environment . University of Chicago Press. ISBN #160 9780226076485 . #160 edit Reading notes ^ "Community of Minds Working Together – The $44 Trillion Abyss – 2003 Fortune Magazine" . http //solutions.synearth.net/2003/12/17 . Retrieved December 3 2005 . #160 ^ "Social Security Suicide – AlterNet" . http // alternet.org/election04/20746/ . Retrieved December 3 2005 . #160 ^ "RollingStone The Fake Crisis Politics" . http // rollingstone /politics/story/_/id/6822964 rnd=1106888734980 amp has-player=false . Retrieved December 3 2005 . #160 ^ "What Does Price Indexing Mean for Social Security Benefits " PDF . Archived from the original on November 4 2005 . http //web.archive.org/web/20051104150159/http // bc.edu/centers/crr/facts/jtf_14.pdf . Retrieved December 3 2005 . #160 ^ "Getting a grip on Social Security The flaw in the system" . http //rationalrevolution0.tripod /blog/index.blog entry_id=647053 . Retrieved December 3 2005 . #160 ^ "Center for American Progress Social Security by the Numbers reference guide with stats " . http // americanprogress.org/site/pp.asp c=biJRJ8OVF amp b=306535 . Retrieved December 3 2005 . #160 ^ "An ownership society evolves who says individualized accounts are a better way to solve social problems The laws of nature" . http // 24hourscholar /p/articles/mi_m2185/is_2_16/ai_n11849811 . Retrieved December 3 2005 . #160 edit External links OASDI Social Security Administration Social Security Internet Myths Social Security Internet Myths part 2 Social Security Online – Trust Fund Data – Investment data form – Investment Holdings Social Security benefit calculators Social Security Advisory Board Social Security Retirement Questions FAQ Social Security Administration Office of Disability Adjudication and Review Congressional Budget Office Social Security Primer US Government Accountability Office Social Security Reform Answers to Key Questions Calculators Urban Institute's USA TODAY Lifetime Social Security and Medicare Benefits Calculator Alternative benefit calculator – from Senator Charles Schumer CBPP Rate of Return June 2005 Read Congressional Research Service CRS Reports regarding Social Security Social Security Death Index Information More information AARP – American Association of Retired People TimeLines of US SSI Numbers Years Numbers States Social Security Disability Advocacy Debate and Professional News Health Hippo Evaluations of Social Security Disability Social Security Information Project Global Action on Aging Warning about the perils of stock-exchange "funded" pension systems Commission to Strengthen Social Security Social Security Disability in North Carolina 75th Anniversary of Social Security at the Franklin D. Roosevelt Presidential Museum and Library Articles Social Security Benefits Vary by Age Taken NBER paper Internal Rate of Return coauthored by Olivia Mitchell member of President's Commission Economic Policy Institute Role of Social Security Social Security Q amp A by economist Doug Orr from Dollars amp Sense magazine Social Security at Wikia Time Archives A Collection regarding Social Security's progression and perception over time Article on impact of raising Social Security tax cap from Dollars amp Sense magazine March/April 2008 The Social Security Administration's Cracked Crystal Ball from Dollars amp Sense magazine November/December 2004 FERS information CSRS information Social Security article in Encarta Encyclopedia Arno Tausch 2005 ‚ World Bank Pension reforms and development patterns in the world system and in the “Wider Europe”. A 109 country investigation based on 33 indicators of economic growth and human social and ecological well-being and a European regional case study’. A slightly re-worked version of a paper originally presented to the Conference on “Reforming European pension systems. In memory of Professor Franco Modigliani. 24 and 25 September 2004” Castle of Schengen Luxembourg Institute for European and International Studies v · d · e Social Security United States Key articles Social Security Administration #160 · Social Security number Assistance programs Disability Determination Services #160 · Retirement Insurance Benefits #160 · Social Security Disability Insurance #160 · Supplemental Security Income #160 · Temporary Assistance for Needy Families #160 · Ticket to Work #160 · Unemployment benefits Health care Medicaid #160 · Medicare #160 · SCHIP Law Disability fraud #160 · FICA #160 · Revenue Act of 1942 #160 · Social Security Act #160 · Social Security Act of 1965 #160 · Social Security Death Index #160 · Social Security Trust Fund #160 · Windfall Elimination Provision Other Legacy debt #160 · Numident #160 · Office of the Chief Actuary #160 · Primary Insurance Amount #160 · Social Security debate United States #160 · Social Security Wage Base #160 · Years of coverage v · d · e New Deal Causes and legacy Great Depression #160 · New Deal Coalition #160 · Brain Trust #160 · American Liberty League #160 · Criticism New Deal Emergency Banking Act #160 · Economy Act #160 · Agricultural Adjustment Act #160 · Civilian Conservation Corps-CCC #160 · Civil Works Administration #160 · Communications Act #160 · Executive Order 6102 #160 · Homeowners Refinancing Act #160 · Farm Credit Administration #160 · Federal Deposit Insurance Corporation-FDIC #160 · Federal Emergency Relief Administration #160 · Frazier–Lemke Farm Bankruptcy Act #160 · Glass–Steagall Act #160 · National Industrial Recovery Act #160 · National Housing Act #160 · National Recovery Administration #160 · Public Works Administration-PWA #160 · Public Works of Art Project #160 · Reciprocal Tariff Act #160 · Railroad Retirement Act #160 · Securities Act #160 · Tennessee Valley Authority-TVA Second New Deal Works Progress Administration-WPA #160 · Federal Art Project #160 · Federal Energy Regulatory Commission #160 · Federal Project Number One #160 · Farm Security Administration #160 · Judicial Procedures Reform Act #160 · National Bituminous Coal Conservation Act #160 · National Labor Relations Board Act #160 · Rural Electrification Act #160 · Rural Electrification Administration #160 · Social Security #160 · United States Housing Authority Individuals Franklin D. Roosevelt #160 · Harold L. Ickes #160 · Harry Hopkins #160 · Henry Morgenthau Jr. #160 · Huey Long #160 · Herbert Hoover #160 · Robert F. Wagner Category #160 · Commons Retrieved from " http //en.wikipedia.org/wiki/Social_Security_ United_States " Categories Social Security United States Taxation in the United States Hidden categories All articles with dead external links Articles with dead external links from May 2009 Articles with dead external links from September 2010 Articles that may be too long from March 2009 All articles with unsourced statements Articles with unsourced statements from March 2009 Articles with unsourced statements from October 2008 Articles with unsourced statements from September 2010 NPOV disputes from February 2011 All NPOV disputes Articles with unsourced statements from August 2009 Articles with unsourced statements from May 2009 All pages needing cleanup Wikipedia articles needing clarification from September 2010 Articles with unsourced statements from March 2007 Articles with unsourced statements from March 2010 Articles with unsourced statements from November 2007 Articles with dead external links from October 2010 Articles with unsourced statements from May 2008 Articles with unsourced statements from April 2009 Articles with unsourced statements from June 2008 NPOV disputes from June 2011 Article Feedback Pilot Personal tools Log in / create account Namespaces Article Discussion Variants Views Read Edit View history Actions Search Navigation Main page Contents Featured content Current events Random article Donate to Wikipedia Interaction Help About Wikipedia Community portal Recent changes Contact Wikipedia Toolbox What links here Related changes Upload file Special pages Permanent link Cite this page Print/export Create a book Download as PDF Printable version Languages Deutsch Français Italiano Nederlands Svenska This page was last modified on 22 June 2011 at 05 29. 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Contact us Privacy policy About Wikipedia Disclaimers Search By Social Security Number Home Background Check using SSN Why we are the best Search Public Records by SSN Search by SSN and Get This #8230 Already a member Login Important SSN search information Check Someone’s Age Using a Social Security Number Check Your Date Using SSN Check Your Nanny With Social Security Number Conduct Free People Search Using SSN Find an Address Based on Social Security Number Find People With SSN Find Public Records With Social Security Number Free Social Security Number Search - Is it worth it How to check employee background using SSN How to Find a Person by Social Security Number Locate someone by SSN Reverse Social Security Number Search Search Bankruptcy Records By Social Security Number Social Security Number Look Up Social Security Number Theft Social Security Number Verification Tenant Background Check Types of Online Investigations Using a Social Security Number Validate a Social Security Number Whose Social Security Number This Is Help amp Usefull Information FAQ General SSN information SSN Search SSN * Last Name * * Required Field The Easy Way To Run a Social Security Number Search Welcome to searchbyssn.org home of the power background search by Social Security Number. With today's search technology background checks have become quick and affordable. It's not just for private detectives any more. In fact it's industry standard. All you need is a social security number a last name and a credit card. Say you want a reliable babysitter on Saturday nights. Your friends and neighbors refer you to some one. She's young and energetic your kids like her she seems nice but you know that trust and verify is the best way to do business. Or perhaps you're going out of town for a while and you'd like the gardener to water the plants and bring in the mail. It's a small job for a guy you can probably trust but you've still got to give him your house keys. Maybe you want to help out a neighbor who's looking for construction work. Your boss is renovating his house. You could help them both with one phone call but you don't want to make any decisions you'll regret. You just need to know a little bit more. 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If you have their SSN we can help you get the rest. Give us the SSN and the last name and we can help you with any of the following searches Background checks Criminal record searches Employee histories Marriage records Home addresses and phone numbers Want to search or verify a Social Security Number You've found the place to do it. At Searchbyssn.org we know that you must protect your privacy. We understand that you need your search to be secure. We can offer you the peace of mind that comes with secure search and accurate information. Do you want to know the best news of all SearchbySSN.org is simple to use. Enter the Social Security Number Enter the last name of the person it belongs to Click on the search button. Boom You've conducted your search and found your information. Thanks for stopping by and learning about social security number search. SSN Search SSN * Last Name * * Required Field SSN Q and A Q How to search by SSN Q What is the best website for SSN search Q What data can I get from social security number search Q Is social security number search illegal Q How To See If Someone Has a Criminal Background Q How to check if someone is listed as a sex offender Q How to get employee employment records Q How to Check Doctor's Records using SSN Q How to check my roommate's background with SSN Q How do I validate a social security number Q How to check if your employee is a former criminal Q How can I avoid social security number theft Q How to find people using SSN Q How to locate old friends using their SS number Q How to find birth records using SS number Q How to get death records using SSN Q How do I find someone's phone number using their social security number Q How to retrieve public records by social security number Q What details can I get from a full background check Q How the background checks are conducted Q How Do I Find Out If Someone Has a Prison Record Q How Do I Access Records of Someone That Just Got Out of Prison Q How to search by SSN Searches by the Social Security Number is one of the most accurate ways of locating people. If you only have the SSN you can do an online search to find out who is linked to that certain SSN. You can find out the basic information such as the name and address. The more information you input the more records you can obtain. So if you know the Social Security Number - as well as the first middle and surname - you may also find out about the person's nicknames aliases address history employment history and credit reports. Q What is the best website for SSN search You can perform Social Security Number searches on Government websites. However only persons with valid reasons are allowed to conduct a Social Security Number search. In any case you can perform a Social Security Number search here at Searchbyssn.org. We can give you accurate and fast results regarding your SSN search. Q What data can I get from social security number search The function of the Social Security Number is mainly for tax and legal matters. Now it is used as a tool for doing background checks and other related searches - such as reconnecting with family relatives and friends. Some of the data you can get from doing a Social Security Number search are the name current address phone number relatives and associates criminal records and property ownership. Q Is social security number search illegal No a Social Security Number search is not illegal. Social Security Number searches are in fact the most convenient way to locate a person. Most companies do Social Security Number searches before hiring an applicant. SSN searches are very useful because these can effectively track a person down and retrieve their records. Q How To See If Someone Has a Criminal Background The criminal records of a person may be requested from a credit report the state police and from records on the national level. The Social Security Number of a person can easily reveal any criminal record he or she may have. Generally you can find out if the person has any record of arrest within the last seven years and any conviction - regardless of the time it occurred. Q How to check if someone is listed as a sex offender The government websites offer services regarding any search about criminal records such as people who have records of being sex offender. The Social Security Number of a person may be used in searching any records. Using the SSN instead of just the name allows a more accurate result. This is because the Social Security Numbers are never duplicated you will never have any problems with multiple results. Q How to get employee employment records Employee records may be obtained by contacting the human resource department of the person's previous employer. Tax records are also good sources since these carry the information regarding the person's employment history. Public record search is another option. Employment records include employment status employment history place of employment leaves terminations workplace injuries pension contributions employment misconduct records tax records and Social Security information Q How to Check Doctor's Records using SSN Searching for your doctor's records is a good way to make sure that your doctor does not have any malpractice record. You can make an online search using your doctor's Social Security Number. You won't have any problem with multiple results or mistaken identity since the Social Security Number will lead you to the specific person who bears that certain SSN. Q How to check my roommate's background with SSN If you know the Social Security Number of your roommate the easiest way to conduct a background check is through the Internet. Here at Searchbyssn.org you can make a background check using your roommate's Social Security Number. The SSN can reveal records such as criminal records which can give you a good picture what kind of person your roommate is. Q How do I validate a social security number You can do a quick search online to be able to determine if a certain Social Security Number is in fact valid. Validating the Social Security Number will tell you if the person really is who he or she claims to be. There can only be one person who can bear a certain set of unique Social Security number. Any information about a person is recorded on his or her SSN. Q How to check if your employee is a former criminal Doing a background check before hiring an employee is a wise move for any employer. A background check will reveal any criminal record linked to your applicant or employee. This can be done through a Social Security Number search. An SSN search lessens the possibility of a mistaken identity or multiple results. Q How can I avoid social security number theft One of the fastest growing crimes in the United States is identity theft. Your Social Security Number may be used by a person who wants to use your good credit report to apply for more credit using your name. You can protect your Social Security Number by making sure that you do not share your number so carelessly. When you are asked for your Social Security Number you can ask how it is to be used. Q How to find people using SSN It is very easy to find people using the Social Security Number. Social Security Numbers are unique for each person. A certain person can only be linked to one SSN. Social Security Number searches may be conducted online through online searches here at Searchbyssn.org. Q How to locate old friends using their SS number If you have a friend who you have not gotten in touch with for quite some time you can use his or her Social Security Number to get the information you need. The Social Security Number holds the basic information such as the current address the address history and telephone number. A quick Social Security Number search online can help you reconnect with your old friends. Q How to find birth records using SS number To get hold of a person's birth records using the Social Security Number is an effective option. Providing the SSN and the last name if it is available gives you greater chances of retrieving the right information from your search. Birth records are normally linked with the person's Social Security Number so you won't have much trouble finding the birth records that you need. Q How to get death records using SSN In searching for death records you can refer to the Death Master File of the United States Social Security Administration. The downside of this is the DMF does not have the death records of all persons. This means that there is no guarantee you will be able to successfully retrieve the death record of the person you are looking for. Another way of getting death records is by using their Social Security Number and doing an SSN search online. The SSN is unique to each person so you are sure to have a unique result. Q How do I find someone's phone number using their social security number The Social Security Number holds plenty of vital information. Any search done with the use of the SSN can easily reveal basic information about the person. These basic information include the name address and phone number. Q How to retrieve public records by social security number Public records may be retrieved from local state federal and other government agencies. A more convenient way is to do an online search here at Searchbyssn.org. All you need to do is use the Social Security Number of the person in your online search. Q What details can I get from a full background check A full background check can give you very vital information about a person. This may include his or her 10-year history of past addresses employment records aliases nicknames maiden name surname criminal records and credit reports. Using the Social Security Number - instead of merely the name of the person - ensures more accurate results because multiple results are eliminated. Q How the background checks are conducted There is a variety of ways to conduct a background check such as through government records or by employing a public detective. The most effective and convenient perhaps is through online searches using the person's Social Security Number. The SSN holds numerous records which can give you a good look on the relevant information of the person. Q How Do I Find Out If Someone Has a Prison Record Prison records along with other important records are also filed under the Social Security Number. The records filed under the person's Social Security Number will indicate if he or she have had any prison or criminal record. An online search can immediately show files of the person who owns the Social Security Number. Q How Do I Access Records of Someone That Just Got Out of Prison Records of any person with his or her Social Security Number are easiest to retrieve through an online search. Social Security Numbers are best used when doing searches. Online searches may be performed here at Searchbyssn.org. SSN Search SSN * Last Name * * Required Field Resources ssa.gov - Social Security Online. The official website of the US social security administration. SSN file record layout The SSN Numbering Scheme Structure of Social Security Numbers SSN question - Common questions asked about social security number Social Security Records Other searchable records Court records Census Records - Get family tree information names state of birth year of immigration marriage records and more. Immigration records - Find your ancestor's ship passanger arrival records Public Court Electronic Records - The PACER service provides on-line access to U.S. Appellate District and Bankruptcy court records and documents nationwide FBI Identification Record Request -The FBI Identification Record Request aims to review or verify the information which is being presented to the employer. Also it will help process your documents for adoption or to meet a requirement for foreign work or migration. The National Archives -The site contains records of all US Federal Government's business documents and records kept for legal or historical reasons. The site also contains a vast list of record groups records from the Bureau of Employment Security U.S. Employment Service and Bureau of Unemployment Compensation and its successors. Copyright 2010 Search people by SSN. All rights reserved Sitemap Contact Us Terms amp Conditions Privacy Policy Resources Website Design amp Coding by DesignNG " } else { document.write " " + " " + "" + " " + " Share " + " " + " " + " " + " " + " " + " " + " " + " " + "" + " " + " Tweet " + "" + " " + " " } // > Popular Medical Insurance Discussion Forums Read Experiences Travel to USA GC/Visa Tracker Finance/Tax Bank Accounts Bank Statement Cards Check Writing Tips Credit Cards Credit Card Safety Tips Currency Bills Currency Coins Foreign Exchange Income Tax ITIN Number Online Banking Taxes Travelers Checks More... Transportation Car Buying Tips Driver's License Public Transport Renting a Car Roadside Assistance Social American Language Bar Behavior of Americans Holidays and Festivals Life-style of Americans Night Life Sports Tipping Tips Work/Office Culture General Amway/Quixtar Anti-Universe Phenom. Electricity Food Garage/Yard Sale Healthcare Job Offer Mail Post Overview Pharamcy Renting an Apartment Restrooms Toilets Shopping Social Security Number Telephones Time Zones/Business Hrs TV - Cable/Dish More... Printer Friendly Send to Friend Social Security Number Download the fillable form in English. A Social Security Number or SSN is the most important number assigned to a person living in the United States who is legally allowed to work. This number is required in order to open a bank account obtain a credit card get driver's license buy a car get domestic health insurance as opposed to travel insurance and open a retirement account. The SSN is also needed for employment purposes and for filing tax returns. If you are eligible to apply for one you should do so as soon as possible. Many companies will use the social security number as an identifying number for example your driver's license number and your insurance policy number may be the same as your social security number. However due to privacy concerns more and more establishments have started assigning numbers other than the social security number for their purposes. Additionally a person's entire credit history can be tracked using their social security number. Applying for Social Security Number Social Security Numbers are assigned by the Social Security Administration which has offices located in most major areas. You can find the nearest Social Security office by visiting their web site or by calling their toll-free number at 1-800-772-1213. In order to work in the United States you will need to visit a Social Security office with your Passport and other eligibility documents such as EAD Work Permit . You can either collect the form available in English and several other languages from the office or you can Download the fillable form in English. In addition to other information the form requires a local mailing address where the card can be mailed. The officer at the Social Security office will check your application form passport and any other relevant eligibility documents. Once everything is in order the officer will inform you that you will receive your social security card in the mail within a few weeks. When you receive your card it will have a social security number your name and any necessary restrictions printed on it. You should preserve this card very carefully. A social security number is assigned to a person only once in his or her life time. If you had applied for and received a ITIN at an earlier time because you were not eligible for SSN you should rescind ITIN as soon as you obstain a SSN. SSN Types There are three types social security numbers. 1. Unrestricted card An unrestricted card is given to U.S. citizens and permanent residents those with green cards . This card has no annotations and the person to whom it is issued is free to work legally in the U.S. for any employer without obtaining permission from a government agency. 2. Restricted card This type of social security card has the annotation "VALID FOR WORK ONLY WITH USCIS AUTHORIZATION." A restricted card is given to temporary employees such as H1 or L1 workers who are working for a sponsoring employer. 3. Non-work card A non-work card has the annotation "NOT VALID FOR EMPLOYMENT." This type of card is issued on a limited basis to certain types of workers. Federal state and local laws require some workers to obtain particular benefits or services to which they are entitled. If the worker is legally residing in the U.S. they are entitled to obtain this type of card. See below for more information. Non-Working Legal Non-immigrants Please note that social security numbers are no longer issued to H4 or visitor visa holders who are not legal to work. A SSN will not be issued simply for banking or other purposes. The Social Security office uses a form letter to explain to those applying for a card that a bank must file a form I-8 instead. Some states require that a person have a social security card in order to get the driver's license however the Social Security Administration SSA maintains that a SSN cannot be issued solely for the purpose of obtaining a driver's license. A SSN is to be used only for tracking a person's lifetime earnings. When an H1B or L1 holder reaches the last stage of applying for green card Adjustment of Status I-485 he or she can apply for their spouse's I-485 in addition to the work permit Employment Authorization Document form I-765/I-766 . Once an EAD card is obtained one can apply for a social security number at a Social Security Office if they bring their passport and follow instructions. Download the fillable form in English. Important Points Since September 1 2002 the SSA has used a "total verification" policy with respect to immigration documents. Social Security numbers will only be issued after completion of a document verification and status check using the USCIS Systemic Alien Verification for Entitlements SAVE program. If SAVE data does not show the applicants information the SSA must manually prepare a Form G-845 along with copies of the applicant's relevant documents. This packet is then forwarded to the Department of Homeland Security DHS and the Bureau of Immigration and Customs Enforcement ICE for verification. All I-94 documents are sent to a central processing place for updates. I-94 information is not updated directly into the computer at the port of entry. Therefore it may take a couple of days for information to become available in the SAVE database. After entering the United States one should wait fifteen days before applying for a SSN. By that time the SAVE database will have been updated with all relevant information and the SSA will not initiate a manual verification process. Manual verification can take anywhere between four and twelve weeks . The SSN Digits Each nine-digit Social Security number is divided into three parts separated by two dashes. For example 123-45-6789. The first three digits of the SSN are the area number. For numbers assigned prior to 1973 the area number indicates the specific Social Security office from which the card was issued. After 1973 blocks of numbers were allocated to each state. The area number now indicates the state used in the mailing address on the SSN application. The state is derived from the zip code in the mailing address. The middle two digits refer to the group number and have no geographical significance. They are used simply to break the SSN into conveniently-sized blocks for use in internal operations regarding the order of issuance. The last four digits of the SSN are the serial number and represent a straight numerical series of numbers from 0001-9999 within each group. SSN's are not reassigned when a person dies. Benefits may be payable to dependents and survivors of a SSN holder long after they die and the number is used to administer the payments of benefits.The current nine-digit number system accounts for almost one billion SSNs. Between 1936 and 1993 roughly three-hundred and nintey-two million SSNs were been issued leaving almost two-thirds of the remaining number combinations available for assignment. More than five million new numbers are assigned each year. Since the 1993 fiscal year over sixteen million Social Security cards were issued. Of this number approximately six million were original cards and ten million were replacements. Visitor Visa Visitors Insurance USA Discussion Forums Read Experiences Tracker Home Advertise Disclaimer Glossary Privacy Policy Site Map Terms of Use Copyright copy 1999-2011 immihelp reg All rights reserved. immihelp reg is private non-lawyer web site. Not affiliated with any government agency. " } else { document.write " " + " " + "" + " " + " Share " + " " + " " + " " + " " + " " + " " + " " + " " + "" + " " + " Tweet " + "" + " " + " " } // > Popular Medical Insurance Discussion Forums Fillable Forms India News Read Experiences Paperwork India OCI PIO Card PIO Card vs OCI Visa Passport Services ECNR Stamp Travel to India Foreigner Registration USA Birth Certificate Passport Social Security Card Childbirth in USA Chinese Calendar Documents Nursery Rhymes Pregnancy Calculator Baby Names Boy Names Girl Names My Names Search Names India ISD Codes Phone Number Scheme Search STD Codes Miscellaneous Courier Pkg. Tracking Send a Greeting Card View a Greeting Card Printer Friendly Send to Friend Social Security Number Each individual in Unites States is required to be registered with US government by law. The way we have registration in India through Ration Card it is Social Security here. This number is very useful for the government as well as the for the individual. Government can keep track of the individual from this particular number. You will need the SS number for any official paper work or dealings e.g. while filling Tax forms or while opening a bank account getting US passport buying savings bonds get medical insurance or while getting a membership in the public library. A person's entire credit history can be traced from this number. As soon as one arrives in US he/she is required to get Social Security number immediately. It is a very simple procedure. Therefore it is very important for you to apply for baby's social security number as soon as possible. It is best to apply for baby's social security number at the time of birth in the hospital. You will be given a form for applying for social security number along with other forms such as form for birth certificate etc. You can fill that form and hand it over to appropriate hospital person and they will take care of it. You would receive a social security card in the mail. Instead if you prefer to apply for baby's social security card on your own later you can follow the procedure as follows Social Security Number is given by Social Security Administration . Every town or a city has a Social Security Office. You can find out about the nearest Social Security office by visiting their web site or by calling their toll-free number 1-800-772-1213. You have to fill out form SS-5 . SS5 is a fillable form. You can simply fill it online and print it. No need to write by hand. You will also have to show the identity and citizenship of your child birth certificate as well as your identify such as your passport. Form will ask you for your local postal address details besides other information. The officer will check your application form and other relevant documents. After checking everything you will be informed when you will be receiving your Social Security Number which will be by postal mail. Please note that there is no charge to apply for Social Security Card. Generally within 2 to 3 weeks time you will receive your social security number which appears printed on a small card which you should carry/preserve safely. In spite of care if you loose it you can replace it at nearest social security office at no charge. Meaning of each digit in SSN The nine-digit Social Security number is divided into three parts. The first three digits of the SSN are the area number. For numbers assigned prior to 1973 it indicates the specific Social Security office from which the card was issued. Since 1973 certain blocks of numbers have been allocated to each State. The area number indicates the State the number holder showed as his/her mailing address on the application for a number. The State is derived from the ZIP code in the mailing address. The middle two digits are the group number and have no geographical significance. They just break the SSN into conveniently sized blocks for use in internal operations and order of issuance. The last four digits are the serial number representing a straight numerical series of numbers from 0001-9999 within each group Social Secuirty Number's are not reassigned when people die. Benefits may be payable to dependents and survivors or the SSN holder long after the SSN holder dies. The Social Secuirty Number is used to administer the payment of these benefits.The current 9-digit number provides almost 1 billion SSNs. Roughly 392 million SSNs have been issued since 1936 through 1993 leaving almost two-thirds remaining for assignment. More than five million new numbers are assigned each year. Since fiscal year 1993 over 16 million Social Security cards were issued. Of this amount approximately 6 million were original cards and 10 million were replacement cards. Visitor Visa Visitor Medical Insurance Discussion Forums Read Experiences Tracker Home Advertise Disclaimer Glossary Privacy Policy Site Map Terms of Use Copyright copy 1999-2011 immihelp reg All rights reserved. immihelp reg is private non-lawyer web site. Not affiliated with any government agency. Subscribe To This Site quot Who Else Wants The Power of Social Security Number Search quot Welcome to ' Find Social Security Number dot com ' There's a myriad of reasons why you would want to search government records. Perhaps you need to investigate just who's using your name and address identity or you want to find your biological parents or you simply want to check death records at SS Admin - or find missing persons - seeking a last known address We have some very powerful tools for all your People Search needs right here We recommend you search the Massive Billions of Public Records available with Inteligator Online Detective investigation services. as used by US law enforcement agents Across the entire United States of America online private investigators and law enforcement agents find the U.S. Government Administration's files and records to be a great source of information and in many cases you are also legally entitled to search some of these U.S. government databases - thanks to Freedom Of Information provisions in Federal US law. Please note also that privacy laws do apply and you need to comply with all relevant legislation in your local jurisdiction. Read the laws relating to your particular county and state city or town as there are vast differences across a country as large as the USA. US Public Records cover a wide range of government-related events and activities in your life from birth through marriage and divorce to death. Searchable US Government records include births the Social Security death index marriages and divorce adoption records State DMV offenses and driving records property ownership Court Findings and Circuit Court records across 50 States most criminal records and Social Security number verification of state and year of original issue of the SSN. You'll find you need the 3.1 Billion Records searchable with Inteligator Online Detective Powered by C.I.S. Complete Investigation Services . A frequent need is often searching for personal and private information such as a lost or missing person's last known address. 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See our recently added FAQ page for answers to your frequently asked questions Thanks for your visit. Now select a new page just below Geoff find social security number dot com United States only. Social Security Administration Dept online in US What the SSA online or Social Security Administration in the USA does and how to access it for information directly. Get Inteligator for your Online Investigation of Public Records Here is my P.I. Tool that you can use for all your online investigation needs. Hurry to get your copy of Inteligator Identity Theft relates to Social Security numbers How identity theft happens and what you can do to investigate ID theft yourself with these tools A Detailed History of Social Security in the United States From a brief history to a detailed chronology of important dates in the United States of America People Search using Social Security number How to do People Search using Social Security number information in official records and files fast and easily Search U.S. Public Records - Government Records How to search U.S. Public Records online and find your information in US Government databases fast Affiliate Program Opportunity To Make Extra Income For You Earn some extra income without Social Security by joining our online affiliate program here now Extra information resources sites and new blogs Visit our partners #39 sites and blogs for further relevant information and Internet tools software methods and resources Contact us or share information Use this form to subscribe to our Investigator Ezine Your free eBook download - 3 e-Books FREE Forget about Social Security. 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