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Junk fees. Is the loan loaded with add-on products, like "GAP" insurance, service contracts, or credit life insurance? These inflate the cost of the vehicle and loan size, as well as the potential loan kick - back for the dealer..Federal law requires noncitizens who earn income in the U.S. to file tax returns. In order for a person who isn't eligible for an SSN to do this, the Internal Revenue Service provides an Individual Taxpayer Identification Number to facilitate the filing of tax returns. The number looks very similar to an SSN, having nine digits. Although that number does not authorize the number holder to work, undocumented workers use them to get jobs. More than 7.8 million ITINs were issued between 2005 and 20The Social Security Administration itself is another major source of abused numbers. Between 1974 and 2003 the SSA issued 7 million "non-work" SSNs. The cards are clearly printed NOT VALID FOR EMPLOYMENT and they do not authorize noncitizen number holders to work. Audits by the Social Security Inspector General have found these numbers are widely misused by illegal workers..At a time when our country faces a real and growing retirement crisis, it is more important than ever that we take steps to protect and expand Social Security. Yet today, Social Security remains under attack. Republicans in Washington are doing everything they can to privatize and cut benefits for millions of seniors who rely on Social Security to keep food on the table and a roof over their heads..During recent healthcare reform hearings, TSCL submitted a statement to the Senate HELP Committee expressing support for an emergency COLA in 20The COLA could be set high enough to cover the rise in Medicare Part B and the average rise in Part D premiums. Doing so would help prevent reductions in seniors' benefits, and a Medicare notch in premiums, and provide protection from benefits taking a big hit in buying power. TSCL believes that H.R. 3557 as introduced by Representative Walter Jones would do just that..Congress recently took action to head off a looming 19% cut in Social Security disability benefits received by nearly 10.8 million disabled adults and their dependents. The Social Security Disability Insurance trust fund was projected to run low of funds by the end of 2016, but changes contained in the recent debt limit budget deal include a number of provisions to strengthen program financing. Many of them had the support of TSCL..The record low COLAs in recent years that haven't stopped politicians in Washington from proposing more reductions by using the more slowly- growing "chained" CPI, to calculate COLAs. According to TSCL's online "Chained COLA" calculator, over the first 10 years alone a ,000 per month benefit would lose about ,555 in growth under the proposal..The government negotiates prescription drug prices for Medicaid and for veterans, but it is barred from doing so for Medicare Part D beneficiaries. As a result, senior citizens enrolled in Part D often pay much higher prices for their prescriptions than other Americans. Will you support the bipartisan Medicare Prescription Drug Price Negotiation Act ?.Out-of-pocket costs for deductibles, co-pays and co-insurance..Immigration law forbids working in this country without legal authorization and a Social Security Number. Yet millions of "undocumented" immigrant workers are earning income. Illegals often get jobs by using illegally obtained, forged, or invalid Social Security numbers. Employers in turn withhold payroll taxes and report the earnings to the Social Security Administration using those numbers. When the numbers don't match up with the numbers issued by SSA, they go into a special file called the "Earnings Suspense File." Valid numbers issued from the U.S. government are also misused.