Personal data-protection businesses that offer online subscription services, advertise free trials, and provide automatic direct billing of monthly fees for different coverage plans have sprung up.
The choices continue to increase. There are plans designed to monitor credit card, debit card, and bank accounts. In response to the concern for protecting personal data, both government and business SSN usage has decreased in recent times.
For example, laws have changed to prohibit using SSNs on driver's licenses or requiring them on birth records. These actions are a response to the identity theft concern—and change will continue. Accurate records of workers' earnings were necessary for administering benefits under the Social Security program. That is still the primary purpose for the SSN. But it has evolved into so much more. Because an SSN is convenient, reliable, unique to each individual, and in many cases required by law, it has become an important 9-digit number that follows a person throughout a lifetime.
The age of technology has increased the benefits of its usage while increasing the need for security. Speculation can be made that this evolution is an unintended consequence of the original Social Security Act that President Roosevelt could never have envisioned. The following link will tell what area numbers go with each state: Social Security Administration. The views expressed are those of the author s and do not necessarily reflect official positions of the Federal Reserve Bank of St.
Louis or the Federal Reserve System. Credit report: A loan and bill payment history kept by a credit bureau and used by financial institutions and other potential creditors to determine the likelihood that a future debt will be repaid. Income: The payment people receive for providing resources in the marketplace. When people work, they provide human resources labor and in exchange receive income in the form of wages or salaries. People also earn income in the form of rent, profit, and interest.
Income tax: Taxes on income, both earned salaries, wages, tips, commissions and unearned interest, dividends. Income taxes can be levied on both individuals personal income taxes and businesses business and corporate income taxes.
Social Security: A federal system of old-age, survivors', disability, and hospital care insurance that requires employers to withhold or transfer wages from employees' paychecks and deposit that money in designated accounts. Social Security income: The monthly monetary amount received by retired workers who paid into the Social Security system while they worked.
Taxes: Fees charged on business and individual income, activities, property, or products by governments. People are required to pay taxes. Stay current with brief essays, scholarly articles, data news, and other information about the economy from the Research Division of the St. Join EFF Lists. Electronic Frontier Foundation. Structure of Social Security Numbers.
The first three-digit field is called the "area number". The central, two-digit field is called the "group number". The final, four-digit field is called the "serial number". Area Numbers The area numbers were assigned to geographical locations in a manner analogous to the way in which ZIP codes were later assigned in particular, area numbers increase from east to west across the continental US as do the ZIP codes.
Most area numbers were assigned according to state or territorial boundaries, although the series was assigned to railroad workers regardless of location this series of area numbers was discontinued in and is no longer used for new SSNs.
With few exceptions, each geographical area is assigned a range of area numbers. Area numbers assigned prior to are an indication of the location of the SSA office which originally issued the SSN. Since SSNs have been issued centrally and the area number in SSNs assigned since corresponds to the residence location of the applicant as indicated on the application for the SSN. But there were unemployment compensation delegates to the Social Security Board who worried that workers would falsify their age, perhaps to retire early or work longer.
The next plan was to have a two-digit month of birth, but that was also rejected. At present, the SSA has distributed some million numbers and has some million numbers available for distribution. Unfortunately, because data entry has sometimes been done by people, one study showed many people have multiple Social Security numbers associated with their names and many Social Security numbers are associated with up to five people.
No system is foolproof. But most people have only one Social Security number that can be used to ensure they receive the benefits they have worked toward all their lives. You are, in general, the only person in the world with your number. Skip to content. How are Social Security Numbers Formulated? Share on email. Share on facebook. Share on twitter.
Share on reddit. Share on pinterest. Susan Lahey May 19, Ready for retirement Get The app. How are the first 3 digits of your social security number determined? They are assigned regionally and in batches. The nine-digit SSN, which has been issued in more than million different sequences, is divided into three parts: area numbers, group numbers and serial numbers.
Although SSNs are issued in some order, there is no simple way to tell a person's age based on his Social Security number. Sign up for our Newsletter! Mobile Newsletter banner close. Mobile Newsletter chat close.
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