Social Security Number

Not Required

Policy Manual

For living without a

Social Security Number
and

For dealing with

people, customers and employees
who do not use
Social Security Numbers
Second Edition

Table of Contents

....................................................... i
..
Preface ...............................................................vii
Tableofcontents

...... .. . . . . .. . . . .. . .. . . .. . . .. .. .. . . . ... .. .. .

What Does That Mean

..
. . .
ix
Are You Really Required to a have Telephone Number?. . . . . . . . . . . . . . . . . . . ix
ABriefGlossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .x
The Meaning of the Word "shall". . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . x
..
The Meaning of the Word "include". . . . . . . . . . . . . . . . . . . . . . . . . . . . .xu
.
.
.
The Meaning of the Word "fail". . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . xm
...
So, What Does it Really Mean? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . xi11
Who'sBoundbytheLaw . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . xiv
.
The History of the
Social Security Number.

. . . . . .. . .. .. .. . .. . . .. . ... . . . . .. . . . . . . . .... . . . . . . 1

......................................................

EmploymentIssues
7
Employment Eligibility Verification . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Internal Revenue Service Requirement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
How to Hire an Unenumerated Employee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
Complying with Internal Revenue Service Requirements . . . . . . . . . . . .10
Complying with the I.N.S. Form 1-9 Requirements . . . . . . . . . . . . . . . . .20
Understanding the I.R.S. Form W-9. . . . . . . . . . . . . . . . . . . . . . . . . . . . .24
Dealing with Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25
The Pro's and Con's of Hiring the Unenumerated . . . . . . . . . . . . . . . . . . . . . . . .25
Why Does My CPA disagree with You? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .27
Getting Hired Without a Social Security Number . . . . . . . . . . . . . . . . . . . . . . . . 2 8
Negotiating With the Prospective Employer . . . . . . . . . . . . . . . . . . . . . . 31
Don't Use a False Social Security Number . . . . . . . . . . . . . . . . . . . . . . .32
Dealing With the 1.N.S Form 1-9 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .32
Dealing With the 1.R.S Form W-4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .34
Dealing With Rejection. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . - 3 4
Going on Your Own . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .37
Individual Taxpayer Identification Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . .37

Banlung . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .- 4 6
Financial Transaction Involving Currency of More than $10. 000 . . . . . . 47
Purchase of Bank Checks or Drafts for $3. 000 or More . . . . . . . . . . . . . 47
BrokerageAccounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .48
Certificate of Deposit Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .- 4 8
Checking Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .49
Proof of Reasonable Effort to Secure Identifying Numbers . . . . . . . . . . . 50
OpeninganAccount . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50
The Nice-Guy Approach . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 51
Get a little Tougher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .- 5 2
GettingTough . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 57
Localcreditunion . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58
Checkcashing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58
Credit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 59

..........................................

Dealing With Federal Agencies

-61
SelectiveService . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 62
Registering Without a Social Security Number . . . . . . . . . . . . . . . . . . . . 63
Military Service . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . - 6 3
Prohibited from Requiring a Social Security Number . . . . . . . . . . . . . . . 64
Passport . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65
Enter Zeros or Leave it Blank . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65
InternalRevenueService . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .67
The 3 1% Withholding Myth . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 67
Social Security Administration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 73
Obtaining a Social Security Number . . . . . . . . . . . . . . . . . . . . . . . . . . . - 7 3
Getting Your Application Rejected . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 73
The Rescinding a Social Security Number Scam . . . . . . . . . . . . . . . . . . . 74
Getting out of the System . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 74
Getting a New Number Assigned . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 74
United States Census . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .75
Violation of the Fifth Amendment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 75
Dealing with State and County Agencies ................................... 79
Ignorance of the Law is an Excuse for Some . . . . . . . . . . . . . . . . . . . . . . . . . . . . 79
Driver's License . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 80
Only Lawful if it Was Done Before January 1. 1975 . . . . . . . . . . . . . . . . 81
Get a Letter of Ineligibility from the Social Security Administration . . . 82
Sue the State for Discrimination . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 82
Beware of the International Driver's Permit . . . . . . . . . . . . . . . . . . . . . . . 83
Voter Registration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 83
Sue the Bureaucrats . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 84
Schools . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 84
School Free Lunch Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 85

Hunting and Fishing License . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .86

Verify the Applicable Law . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 87
Dealing with the Public .................................................. 89
Renting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .89
Utilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90
Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90
Medical . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90
Don't Number Your Baby . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .91
Credit Reporting Agencies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .92
How the Major CredIt Reporting Agencies Identify You . . . . . . . . . . . . . 92
How to Establish a New Credit File . . . . . . . . . . . . . . . . . . . . . . . . . . . . .93
The Fair Credit Reporting Act . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .94
Dealing with Idiots . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .97
.
Knowing the Criminal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .98
The Voluntary Nature of the
Social Security Number ...............................................103
List of Laws and Regulations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .103

.................................................... 109
United States Code of Federal Regulations ................................ 115
United States Code

.......................................................... 153
SomeExamples ....................................................... 157
Courtcases

EEOC v . Information Systems Consulting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 157

Plaintiffs Response to Defendant's Motion to Dismiss . . . . . . . . . . . . .157
ConsentDecree . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .163
Weber v Leaseway Dedicated ..................................... 167
Authur Thomas v . Taco Bell . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .169

About the
Social Security Number and Card ...................................... 171
What the Digits Mean . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .171
The Structure of the Social Security Number . . . . . . . . . . . . . . . . . . . . . . . . . . . 171
TheRighttoTravel ....................................................175
Brief in Support ofNotice for Dismissal for Lack of Jurisdiction . . . . . . . . . . . 175
Argument . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .176
Rights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .176
Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .180
Dueprocess . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 186

Regulation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .188
SurrenderofRights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .189
Conversion of a Right to a Crime . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 190
Conclusion . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .191

.......................................................

ANewIdentity
195
Fake IDS are Dangerous . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .195
Getting a New Birth Certificate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 196
Ordering a Birth Certificate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 197
Get a World Passport . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .202
About the World Passport . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .203
Legal Validity and Usage of the World Passport . . . . . . . . . . . . . . . . . . 203
Get an International Driver's License . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .204
Get a Foreign Driver's License . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 205
Obtaining a Second Citizenship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 206
Get a New Social Security Number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 207
Get a State Issued Driver's License . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 207
GetaCreditCard . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 207
NeverCarryDualIdentity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 208

..............................................

Sample Letters and Forms

209
Request for IRS Statement Regarding Penalty . . . . . . . . . . . . . . . . . . . . . . . . . . 210
R S R e p l y . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 211
Request for IRS Opinion Regarding Unenumerated Employee . . . . . . . . . . . . . 212
R S R e p l y . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 213
Request SSA Opinion About Requirement of SSN for Employment . . . . . . . . 214
SSAReply. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 215
Asking SSA for Which Law Requires a Social Security Number . . . . . . . . . . . 216
SSAReply . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 217
Reply to Employer's Request to Social Security Number . . . . . . . . . . . . . . . . . 218
Reply to Request for IRS W-4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .219
Attachment to Reply . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 220
Terminating a Withholding Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .221
Termination Letter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .221
Release Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .- 2 2 2
Indemnity Bond . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .223
Voluntary Withholding Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .224
Reasonable Cause Affidavit by Employer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 225
Alternate to the I.N.S. Form 1-9 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .226
Citizen's Assertion in Lieu of I.N.S. Form 1-9 . . . . . . . . . . . . . . . . . . . . . . . . . . 227
Notice to Withhold Disclosue of SSN . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 228
Color of Law Violation Warning . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .229
Constructive Notice to Serve on Banks . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 230
Notice Regarding Employment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 231

Notice Regarding Financial Institutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .232

Notice Regarding Taxpayers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 233
Notice Regarding I.R.S. Form W-4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .234
Public Law Notice . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .235
.
Contract with Credit Reporting Agency . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 236
Letters to the Banker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .237
First Response to Account Rejection . . . . . . . . . . . . . . . . . . . . . . . . . . .237
Second Response - Privacy Act Notice . . . . . . . . . . . . . . . . . . . . . . . . . 238
Second Response - Compliance with Law . . . . . . . . . . . . . . . . . . . . . . . 239
Rescind your
Social Security Number ............................................... 241
The Social Security Administration is not Authorized to Rescind a Number . . 241
The Recession Scam . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .242
Request for Withdrawal of Application . . . . . . . . . . . . . . . . . . . . . . . . . 242
The Application is not Binding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 246
Termination of the Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .246
Whose Number is it Anyway . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .247
Property of the Social Security Administration . . . . . . . . . . . . . . . . . . . 248
ThePrivacyLaws

..................................................... 251

Policy Manual

Preface

Most Americans' are so accustom to the social security number that they simply assume
that having a social security number is a legal requirement to being American. At every turn
American's are challenged to provide a social security number. You need a social security
number for school, insurance, employment, banking, credit and a driver's license; even your
dentist or doctor is likely to ask you for a social security number. Yet millions of natural born
Americans do not have social security numbers. They do not have a social security number
because they don't want one and, to the surprise of most Americans' ... they are not required
to have one!
According to the Social Security Administration there is no law requiring a person to have
a social security number to live and work in the United States, nor is there any law requiring
a person to have a social security number simply for the purpose of having one. The simple
fact is that there is no law requiring anybody to obtain, have or use a social security number.
There are, however, many laws defining the use and application of social security numbers
when a person chooses to use one. There are also several laws that protect people against
discrimination when they choose not to use a social security number.
The incorrect assumption by most Americans that there must be a law requiring them to
have a social security number has lead to many misunderstandings and in many cases losr
opportunities. Many bankers have unnecessarily turned away good potential customers and
many employers have turned away excellent workers because their policy improperl~
discriminates against unenumerated individuals. Too often this discrimination has lead lo
unnecessary litigation and additional losses to the businesses.
This manual provides information and guidelines for businesses, bankers, employcrs axid
individuals for legally and properly dealing with people who choose not to use a sc~ris1
security number. This manual also discusses the legal requirements associated with using
social security numbers and many of the forms that request a number.

vii

Policy Manual

What You Will Learn

While reading this manual, you will learn the answers to the following issues:
How has tens-of-thousands of Americans quit Social Security and stopped paying
social security taxes?
Does the law require an employee to have a social security number?
Does the law require an employer to sign an 1.R.S Form W-4, Employee Withholding
Allowance Certzficate?
Does the law require an American to get a social security number?
Does the law require an American to obtain a social security number for their child?
Is it possible to vote, open a bank account, drive a car, buy and sell property, ect.,
without a social security number?

viii