Can Undocumented Immigrants Accumulate Social Safety?

An undocumented immigrant isn’t eligible to obtain Social Safety advantages if they’re unable to acquire a legitimate Social Safety quantity. Solely noncitizens licensed to work in the USA by the Division of Homeland Safety can get an SSN. People want a legitimate Social Safety quantity to work and acquire Social Safety advantages.

Undocumented staff with false Social Safety numbers could pay Social Safety taxes via their paycheck, however the funds are credited to the proprietor of the quantity, not the immigrant.

Social Safety Eligibility

To obtain Social Safety advantages, an individual will need to have a legitimate Social Safety quantity and legally earn 40 credit over a minimal of 10 years. Undocumented immigrants are not eligible to obtain Social Safety advantages as a result of they lack authorized standing, which is a requirement for profit eligibility.

“The regulation prohibits the SSA from paying advantages to people who are usually not lawfully current within the U.S. on the time of profit utility,” says Alex Caswell, an authorized monetary planner and founder at Wealth Script Advisors.

ITIN

An Particular person Taxpayer Identification Quantity is a 9-digit quantity issued by the Inside Income Service for tax-paying functions solely. An ITIN doesn’t qualify somebody for Social Safety advantages, doesn’t present a person authorization to work legally within the U.S., and doesn’t change a person’s immigration standing.

These ineligible for a Social Safety quantity could apply for an ITIN to file and pay federal taxes. Noncitizen staff trying to begin a enterprise, work as a college professor, or take part in freelance alternatives may receive an ITIN.

Stolen Social Safety Numbers

Undocumented immigrants could contribute to Social Safety even when they by no means acquire it, and that also helps the general system’s solvency.

“Many undocumented immigrants have been paying into the Social Safety system for years by utilizing pretend Social Safety numbers, borrowed Social Safety numbers, and Particular person Taxpayer ID numbers,” says Colby Van Sickler, founding father of F3 Wealth Administration. “For many, their intent is to not defraud people, it’s purely motivated by monetary survival.”

Acquiring Authorized Standing

If an undocumented immigrant attains authorized standing, they might start contributing to Social Safety and qualify for advantages.

“People who have been as soon as undocumented however later gained authorized standing—corresponding to a inexperienced card or asylum—can earn Social Safety advantages primarily based on the work they do after receiving authorized authorization,” says Daniel Milks, an authorized monetary planner and founding father of Fiduciary Group.

To acquire a legitimate Social Safety quantity, individuals have to be licensed to work by the Division of Homeland Safety.

The Backside Line

Undocumented immigrants can not receive a Social Safety quantity or qualify for advantages if they aren’t licensed to work by the Division of Homeland Safety. If an undocumented immigrant will get a inexperienced card or receives asylum, they might start contributing to Social Safety and later obtain advantages.