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"Banks are counting on the fact that we do a lousy job interior enforcement," said Celent's Grealish. "Once you're in the country and you haven't done anything wrong, the chances of being deported are very slim. Banks are banking on that."
It states that although illegals are paying into SS
That's actually a pretty good question....why would the system be bankrupt with illegals paying into it, and never getting anything back?
U.S. law bars aliens living here illegally from receiving social security benefits. However, until 2004, the law permitted aliens to claim credit for work performed while here illegally if the aliens either left the United States or obtained legal status in the United States. If such work - either alone or in combination with work performed while here legally - amounted to the 40 quarters of work required to become eligible for social security benefits, these aliens (and their spouses and dependents) would receive full benefits.
In February 2004, Congress passed H.R. 743, the Social Security Protection Act, which includes a provision authored by Senator Grassley (R-Iowa), Chairman of the Senate Finance Committee, that prohibits aliens (and their spouses and dependents) from claiming social security credit for work performed while in the United States illegally unless the alien obtains legal status at some point. Although this represents a major improvement in the law, it does not entirely close the loophole that permits benefits to be paid on the basis of work performed by illegal aliens. As noted in the Senate Finance Committee's report on H.R. 743, "individuals who begin working illegally and later obtain legal status could still use their illegal earnings to qualify for Social Security benefits" despite this new provision (Senate Rpt.108-176, p. 24).
This law applies to aliens of all nationalities, regardless of the existence of totalization agreements. The agreements compound the problem, however, by increasing the pool of foreign workers who can qualify for U.S. social security benefits on the basis of work performed while here illegally. Under totalization agreements:
Foreign workers can qualify with as few as 6 quarters of work, rather than 40 quarters (benefits would be prorated to reflect only credits earned in the United States); and
If they can't afford to go to the doctors, so instead visit an emergency room for any kind of medical care, thus bankrupting the hospitals.... how are they able to afford a house?