How2Day: The Best Practices for Using My SSN

A Social Security number provides you with many benefits. For example, it serves as identification on government documents, is required for certain government services, helps banks and other institutions run background checks, and is required to get a job. Its benefits make it a popular target of thieves. Several security practices can help you use and protect your Social Security number, preventing it from falling in the wrong hands.

Don't store your Social Security card in your wallet, and never carry the card with you unless you plan to use it, recommends the Social Security Administration. The administration notes that stealing a wallet or purse is one of the most common ways that thieves get your number.

Your financial institutions and employer require your Social Security number for tax and wage reporting. If any other business or institution asks for your SSN, verify why they need it. In some cases, they simply want it for record-keeping and it isn't necessary, according to the Federal Trade Commission. The FTC recommends asking why it's needed, how it will be used and the consequences if you don't provide the number.

Emails and Internet messages that claim they're from your bank or financial institution may be fraudulent. They may be sent by hackers or unscrupulous businesses who are trying to get private information, such as Social Security numbers, warns the State of New Jersey. Never open unknown emails, and make sure that any site asking for your Social Security number is secure. Your browser's address bar should display a padlock icon and the address should start with "https://."

Never store your Social Security number on your computer or any sort of removable computer storage, such as a CD. Never send your number to anyone via email, advises the Social Security Administration.

If your Social Security number is listed on any documents that you're throwing away, shred them first, according to the University of South Carolina's guidelines to the best practices for personal security. This applies to any computer storage media, such as CDs, according to the San Francisco State University.

Every year, the Social Security Administration mails all workers ages 25 and older a Social Security statement. Review it carefully and make sure all of your earnings are reflected on the statement. This can alert you if someone else is using your number. You can also request a statement manually by calling the administration at 800-772-1213 and requesting Form SSA-7005.

If your Social Security card is lost, report it immediately. Alert the Social Security Administration immediately by calling the toll-free hotline at 800-772-1213. At that time, you may also request a replacement card by asking that Form SS-5 be sent to your home. Complete and mail the form to the address listed on it.

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