Chapter Summaries, "Social Security - the Way Out".

Chapter 1: "The Constitutional History of Social Security"

In this volume we review the constitutionality of the social security system. In doing this research we have discovered that social security is indeed unconstitutional, in that appropriating money for employee retirement benefits is a local function reserved to the states by the Tenth Amendment. In this volume, we expose the trickery and deceptions used by the Supreme Court to uphold the Act.

Chapter 2: "The Economics of Social Security"

Here we examine the economics behind the system and show that it’s run as a pyramid scheme that would be illegal if run by a private insurance company, that there’s no true reserve fund, that employees are taxed multiple times for their benefits, that the survival of the system is hinged on a large ratio between current workers and retirees, that that ratio was 45-1 after World War II but has fallen to 3-1, that the system will go bankrupt in a few years as the ratio drops 2-1, and due to various other economic problems. If this volume had to be boiled down to one sentence, it would be the following : Government programs don’t work because they’re not accountable. (We didn’t write this volume with this intention. The facts inescapably led us to this conclusion.)

Chapter 3: "Social Security Compared with Private Markets"

The comparisons used in this volume show that if the same money that a worker pays in Social Security taxes was applied to the most conservative of investments, such as a bank account or retirement annuity, the return would be many times what social security pays and would leave a large principal which the worker could pass on to his heirs. This is true not only for the rich, but for the middle-class and poor workers as well. Actually, the poor pay more for their benefits than do the wealthy, and blacks pay more than whites.

Chapter 4: "The Social Security Number and Its Threat to Privacy"

Here we review the history of the Social Security number, the statues and regulations that provide for issuing the number, that there’s no law requiring anyone to have a number and that only those who are or intend to become recipients of federal aid may be assigned numbers. We also examine numerous media articles that discuss the threat to privacy that the Social Security number has become as it gradually becomes the universal identifier.

Chapter 5: "Section 7 of the Privacy Act of 1974"

This is a treatise on the history and development of Section 7, the one federal law that specifically protects individuals from disclosing their Social Security numbers.

Chapter 6: "The Right to Free Exercise of Religion"

In this volume we review, in depth, the right to free exercise of religion on both the state and federal laws, including the First Amendment, the Religious Freedom Restoration Act of 1993 (RFRA), the California religion clause (which is the same as many other states’ clauses), and other legal accommodations of religious objectors. This has been made an order for the lay reader to have enough background to understand the issue. This is a lengthy volume, but good educational material for students.

Chapter 7: "Religious Objections to Social Security"

Here we briefly summarize the Biblical passages that are most frequently used as the basis for religious opposition of the Social Security number. Then we will apply the law reviewed in volume 6 to not disclosing the Social Security number.

Chapter 8: "Social Security Numbers, Identification Documents, and the Workplace"

Here we explain that pertinent IRS regulations do not require the employer to obtain a Social Security number, and how an employer can comply with the law by merely making a request. We will show that an employee is not required to disclose his Social Security number to comply with the Immigration Reform and Control Act (IRCA), and discuss the law in general.

Chapter 9: "Social Security Numbers and the Right to Work"

This volume delves into the right to due process, and how it secures a constitutional ban on any statutory condition to entering a lawful profession that’s unrelated to occupational competence.

Chapter 10: "The Paperwork Reduction Act"

Here, we explain the Paperwork Reduction Act (PRA) and how it can be invoked to invalidate IRS and INS regulations relating to Social Security number disclosure and administrative law.

Chapter 11: "Protection of Privacy Under California Law"

This volume discusses the privacy clause of the California Constitution (that originated as a ballot initiative in 1972). Because the privacy clause applies to private businesses, we talk about how not to disclose a Social Security number in this context. We will also analyze the Unruh Act, which prohibits business establishments from discriminating against a customer for any reason not related to the service provided, and from offering a service to one class of customers that is not offered to other customers on the same basis.

Chapter 12: "Social Security-The Way Out"

In Chapter 12, we get down to the practical side of living without the number: How to correct the record, how to open a bank account, how to get work, etc. In this volume we supercede and incorporate many current Institute lessons on these subjects.

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