Stuff You Should Know - What Happens When the Government Thinks You're Dead?

Episode Date: May 2, 2019

It’s bad enough when the government knows you’re alive – there are taxes to pay, laws to be followed, all sorts of boring and unpleasant things. But each year, thousands of Americans find out li...fe is far, far worse when the government thinks you are dead. Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.

Transcript
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Starting point is 00:00:00 On the podcast, Hey Dude, the 90s called, David Lasher and Christine Taylor, stars of the cult classic show, Hey Dude, bring you back to the days of slip dresses and choker necklaces. We're gonna use Hey Dude as our jumping off point, but we are going to unpack and dive back into the decade of the 90s.
Starting point is 00:00:17 We lived it, and now we're calling on all of our friends to come back and relive it. Listen to Hey Dude, the 90s called on the iHeart radio app, Apple Podcasts, or wherever you get your podcasts. Hey, I'm Lance Bass, host of the new iHeart podcast, Frosted Tips with Lance Bass. Do you ever think to yourself, what advice would Lance Bass
Starting point is 00:00:37 and my favorite boy bands give me in this situation? If you do, you've come to the right place because I'm here to help. And a different hot, sexy teen crush boy bander each week to guide you through life. Tell everybody, ya everybody, about my new podcast and make sure to listen so we'll never, ever have to say. Bye, bye, bye.
Starting point is 00:00:57 Listen to Frosted Tips with Lance Bass on the iHeart radio app, Apple Podcasts, or wherever you listen to podcasts. Welcome to Step You Should Know, a production of iHeart radios, How Stuff Works. Hey, and welcome to the podcast. I'm Josh Clark. There's Charles W. Chuck Bryant.
Starting point is 00:01:18 There's Jerry over there. Jerry's not eating anything today, Chuck. The air is clear. And did you just do that as a coaster? Yes. I don't want to make a chinky sound every time, like chink, chink, chink, like this. I don't want that, I want this.
Starting point is 00:01:35 No, I get it. Did you hear that? You didn't hear anything. No, I said everyone, Josh just folded up his notes and put his can of cola down on that. And I've never seen you do that. And I thought you were trying to preserve this cheap iHeart desk.
Starting point is 00:01:50 This thing is tougher than leather. Okay, so it was a sound thing. Sure, it's a sound dampening technique. Man, look at us after all these years. Yeah, I just came up with that. Up in our game. So Chuck, do you remember we did a social security number episode?
Starting point is 00:02:06 Did we? I thought so. You don't remember that one? No, sure. It was one of those ones where you're like, my eyes are gonna bleed because this is so boring, but it turned out to be pretty interesting. Sure.
Starting point is 00:02:16 It was one of those. Yeah, I remember that. But we should give a little bit of a refresher on social security numbers, okay? Yeah, here's mine. Oh, you're gonna give your, yeah. 28794, no, I don't even, because what if I just accidentally said someone else's?
Starting point is 00:02:31 Like made one up. Oh, right. And people are like, I want me to go try that. Yeah, and some dude's listening and it's like, dude, how'd you know? Yeah, Todd. Why is it always Todd? I don't know.
Starting point is 00:02:43 So social security numbers, get this everybody, they first started being issued in November of 1936. And the Social Security Administration was created to administer a new deal program of federal benefits, things like welfare or retirement benefits, Medicare. The entire reason any of us originally were given a social security number was to track our lifetime earnings and to determine how much we'd put into social security
Starting point is 00:03:16 so that when we retired, they could determine how much we should get out in retirement. That's why everyone has a social security number. And because there are nine digits, there's something like a billion different possible combinations. And we're about halfway toward using up
Starting point is 00:03:32 the social security numbers. Oh, interesting, but probably gaining fast. We are starting to gain much faster than we were before. Good point. But we still got plenty of time. But because of this, social security numbers get retired when you die, which we'll get to. But originally, when you were given a social security number,
Starting point is 00:03:53 that was it. It wasn't meant for anything else, but to track your earnings and to figure out your retirement, right? Yeah, not like when you go to get a haircut. Basically. And they ask you for your social security number. Yeah, in the 70s, the federal government said,
Starting point is 00:04:05 okay, there's a couple of other things that you should really have your social security number for a passport. Makes sense. If you go to open a bank account, that was a new one too. I'll buy that. But then like you said, as computers came along, now everybody asks for it.
Starting point is 00:04:21 It's become an identifier and an authenticator. And that is really bad. That is not what we should be doing with social security numbers. Yeah, it really, not only that, but the phone numbers and everything and addresses, it just annoys me. And I'm not like a conspiracy guy.
Starting point is 00:04:37 It's not like, I think like, oh, what are they gonna do with this? It just annoys me that I can't get a haircut without providing, I'm like, I have cash in my hand. Yeah. You have scissors. Can we just do this? Right.
Starting point is 00:04:49 Can we do it like Floyd style? Yeah. You know. Oh, it annoys me. But even if you take away the annoyance, companies have proven time and time and time again, that they're not to be trusted protecting your social security number.
Starting point is 00:05:03 Because to authenticate you saying who you are, who you say you are, they've got to have your social security number on file. And when somebody hacks into their databases, they get your social security number. All of your information is right there. And it's become a real problem. But it's also become a real problem
Starting point is 00:05:20 living a modern life without giving out your social security number, right? Yeah. So we say all this to point out that if for some reason you didn't have a social security number any longer, it would be tough to navigate life. And that actually happens to some people.
Starting point is 00:05:38 Yeah. If you've seen the movie, Brazil. Oh, is it like this? You never saw Brazil? No. It's sort of this in a future dystopian world. But basically like it's bureaucracy at its best of someone who's dead or not dead and the government mixes it up.
Starting point is 00:05:59 Is that what Brazil's about? Yeah. I did not know that. Yeah. I'm glad you brought that up then because we would have heard from people. It's good, right? It is.
Starting point is 00:06:08 And you should go listen to the movie crush episode on Brazil with Jonathan Colton. Okay. Oh, I wrote. I didn't know that one. That one slipped past me. I wasn't talking to you, but sure. Oh, you're welcome to listen. Oh, thanks.
Starting point is 00:06:20 I'm part of everybody. I had to go to the social security office recently to get a card because of this job and our new company. Really? Yeah. I had to prove whatever that I'm alive. You didn't. And employable, I guess.
Starting point is 00:06:35 You didn't just give them your passport? I couldn't find my passport because I'm in between houses right now and it was buried somewhere. Okay, but you do have it because we're probably going to Toronto this year. I do have it. I did find it kind of after I went
Starting point is 00:06:48 to the social security office, but all that was just to say that if you think the DMV is a pit of despair, just go to the social security office. I don't want to. It's not fun. I really don't want to. No. So, okay.
Starting point is 00:07:04 You can imagine how bad it is when everything's just hunky-dory and you just need a copy of your card. That's all you needed, right? Yeah. For some people, some poor saps out there, they are thought by the government and listed by the government as having died.
Starting point is 00:07:20 That's right. And that is a big problem. If you're alive. Yes, because again, you need your social security number for everything to start with. And then secondly, because we have enough social security numbers
Starting point is 00:07:33 to go around, like I said, when you die, your social security number gets retired with you. And they hang it in the rafters of your local MBA franchise. That's exactly right. If you look really closely, they're all up there.
Starting point is 00:07:46 But that is a problem for somebody who gets listed as dead on what's called the death master file. Do I need to say it? No. No. Even somebody listening to the very first stuff you should know right now,
Starting point is 00:08:01 they know what you're saying. Here's a bunch of good band names in here, but death master files pretty good. So it's also called the social security death index, but death master files way better. I think you would agree. It depends on who you're talking to. I think genealogists typically call it the SSDI.
Starting point is 00:08:17 Everybody else calls it the death master file. It's what I saw. You know why? Because they don't know how to party. Or they get their own little weird party going on. Oh. Didn't think about that. Yeah.
Starting point is 00:08:28 Yeah, you got to look at people differently sometimes. I was trying to think of the bumper sticker. Genealogists do it blank. Mm-hmm. In the archives. Genealogists do it with their DNA. With their dead ancestors. Oh, god.
Starting point is 00:08:42 God. That's two bumper stickers. Yeah. Just having ellipses. It'd be kind of fun. So, all right, where were we? The DMF. All right, it was established at the same time
Starting point is 00:08:55 the social security numbers were back in 1936. And then it took all the way till 1980 before the public could even see this list. Right, right, there was a Freedom of Information Act that was filed back in 1980. And there was a lawsuit. And the federal court said, you know what? Yeah, this is public information.
Starting point is 00:09:14 You have to publish this. And there's actually like a master death master file. That's called the numedent. And that's like everything. And that's the one that the death master file was derived from, the public version of it is the death master file. Right, which when you die, there are a bunch of ways
Starting point is 00:09:37 that your name can get to the SSA, the Social Security Administration. Sometimes it's a funeral home. Sometimes it's from like a hospital. Sometimes it's from your family. Because it's the family's responsibility, ultimately, to report it. But most of the time, the funeral home
Starting point is 00:09:54 is the one that actually does it as like a service. I wouldn't have known that. But I also saw, well, now you know. There's probably some poor stuff you should know, listener, our condolences. Who's dealing with this right now. It's your responsibility to go report this to the Social Security Administration, okay?
Starting point is 00:10:12 That's sad. I also saw that your bank, the postal service, some other randos are legally allowed to report your death as well. So as a post-person just saying like, I haven't picked up their mail in like three weeks. They're dead to me. I think I should just report this.
Starting point is 00:10:30 I don't know, I could not find the procedure from that. Anything other than a couple of good sources mentioned the postal service as a legal place, the legal entity that can report your death to the feds. All right, so why do they want this death master file? Of course, if you have paid, well, the government needs to know if you're not around anymore.
Starting point is 00:10:54 It's kind of that simple. There's a couple of reasons why. Yes, they need to know because- You get a little dough. They can't have your social security number out there. They need to know that you're deceased because they don't wanna be paying income tax refunds. If somebody starts filing them fraudulently,
Starting point is 00:11:14 they don't want people opening bank accounts in your name. They want to make sure that you're listed as dead. Yes. And so that's what the death master file does. It kind of serves as the storehouse for all the people in America who've been dead basically since the 60s, but it goes as far back as 1936 or 37.
Starting point is 00:11:33 Yeah, which is surprisingly more than 100 million people. Yes, but they think that there's maybe up to 16 million dead people missing from this list. It's not perfect. We'll spoil now. Well, I guess we should then follow that statement by saying there are tens of thousands of people on that list who should not be on that list.
Starting point is 00:11:52 Right, exactly. But before we get to there, this death master file originally, Social Security could track who was dead and who wasn't, so they could determine who to pay Social Security administration benefits out to the survivors. Get this, did you know this? If you're in America and you're the recipient,
Starting point is 00:12:08 you're the survivor of somebody who gets Social Security, you get a cool $255 to help bury them. Yeah, that's when I said you get a little dough, that I meant little. A little dough, yeah. Maybe like one of the fancy handles on the casket would be covered by that. I don't even think you can get cremated for $200.
Starting point is 00:12:29 I don't know. I don't even think they'll leave you in a ditch out back for $200. A sky burial costs more than that. Maybe that tri-state crematorium would take your $250, but that's it. Yeah. Do you remember them?
Starting point is 00:12:42 Oh, sure. Yeah. Evil. So like you said, mistakes are made and this is where it turned slightly Brazil. There was an investigation in 2011 and they actually named Grave Mistakes, which is hysterical, by Scripps Howard News Service.
Starting point is 00:12:59 And what they did was they took this master death file from three different years, 98, 2008, 2011. They created a computer program to basically just compare them to see what they came up with and that they found almost 32,000 living people who were listed as deceased in 98 or 2008 that were then taken off that list
Starting point is 00:13:25 after they realized that they goofed up in 2011. So these people had spent months, years maybe, listed as dead. And here's the problem. It's bad enough if you go to apply for Medicare because you've retired or Social Security benefits and the government says denied, you're dead, you're listed as dead,
Starting point is 00:13:46 because as far as the government's concerned, if you are on this, you're dead to them. Yeah. That's bad enough. But remember that Freedom of Information Act lawsuit that opened the thing up to being published publicly. Yeah. The reason why that suit was filed
Starting point is 00:14:03 was because the business community said, hey, we can really use that thing. Yeah. It's basically, it would be like a big do not take checks from these people list for all dead Americans because if somebody comes to us and wants to open a bank account, wants to get an insurance policy,
Starting point is 00:14:21 wants to get a car, wants to get a job, it doesn't matter, wants to do something where they could take us for a ride if they're a fraud. Then if we had this list to check against like Social Security numbers or names or whatever, we could root out fraud and we could defend ourselves from identity theft and the fraud that's perpetrated by it.
Starting point is 00:14:42 And so banks, insurance companies, car dealerships, cable companies, employers, everybody, other government agencies. Barbers. Barbers, don't forget them. They all use this death master file, which is available publicly to check your applications against.
Starting point is 00:15:02 And if the government says that you're dead, it says it on this file, whether it's right or wrong, you're dead. And that's a whole lot of problems for you. We're gonna get into those right after this. Living things with Chuck and Chuck. Chuck and Chuck, all my things, stop you should know. On the podcast, Hey Dude, the 90s called
Starting point is 00:15:30 David Lasher and Christine Taylor, stars of the cult classic show, Hey Dude, bring you back to the days of slip dresses and choker necklaces. We're gonna use Hey Dude as our jumping off point, but we are going to unpack and dive back into the decade of the 90s. We lived it, and now we're calling on all of our friends
Starting point is 00:15:48 to come back and relive it. It's a podcast packed with interviews, co-stars, friends, and non-stop references to the best decade ever. Do you remember going to Blockbuster? Do you remember Nintendo 64? Do you remember getting frosted tips? Was that a cereal?
Starting point is 00:16:03 No, it was hair. Do you remember AOL Instant Messenger and the dial-up sound like poltergeist? So leave a code on your best friend's beeper, because you'll want to be there when the nostalgia starts flowing. Each episode will rival the feeling of taking out the cartridge from your Game Boy,
Starting point is 00:16:16 blowing on it and popping it back in as we take you back to the 90s. Listen to Hey Dude, the 90s called on the iHeart Radio app, Apple Podcasts, or wherever you get your podcasts. Hey, I'm Lance Bass, host of the new iHeart podcast, Frosted Tips with Lance Bass. The hardest thing can be knowing
Starting point is 00:16:34 who to turn to when questions arise or times get tough or you're at the end of the road. Ah, okay, I see what you're doing. Do you ever think to yourself, what advice would Lance Bass and my favorite boy bands give me in this situation? If you do, you've come to the right place because I'm here to help.
Starting point is 00:16:49 This, I promise you. Oh, God. Seriously, I swear. And you won't have to send an SOS because I'll be there for you. Oh, man. And so, my husband, Michael. Um, hey, that's me.
Starting point is 00:17:00 Yep, we know that, Michael. And a different hot, sexy teen crush boy bander each week to guide you through life step by step. Oh, not another one. Kids, relationships, life in general can get messy. You may be thinking, this is the story of my life. Just stop now. If so, tell everybody, yeah, everybody
Starting point is 00:17:18 about my new podcast and make sure to listen so we'll never, ever have to say bye, bye, bye. Listen to Frosted Tips with Lance Bass on the iHeart Radio app, Apple Podcasts, or wherever you listen to podcasts. What the fuck? So, before we broke, I was talking about that, that Scripps investigation.
Starting point is 00:17:52 Yeah. And there was an Inspector General's report in 2008 that kind of pulled back the curtain on this stuff. And social security said, yeah, that's about right. There's a lot of people, tens of thousands that we think are dead and aren't dead. But their success rate's pretty good.
Starting point is 00:18:11 Yeah, and they said, but we're at a 99.59 rate of accuracy, which is not too bad. For a government bureaucracy, that's really good. And they said that 90% of the time, you can fix it in just a year. Just a hellish year. Yeah, not too bad.
Starting point is 00:18:32 And so they basically admitted to being a government, I don't wanna knock them too much because it feels like everyone's always knocking government work. Who? But they're basically saying like, yeah man, these names are miskeeds, or these numbers are miskeeds sometimes.
Starting point is 00:18:50 They're like, S happens. And it happens, yeah, pretty much. So the thing is that 0.41% error rate, that's tens of thousands of people every year. There's like 2.7 million people added to this list every year who die in America, right? So it adds up to a lot of errors. The thing is the Social Security Administration,
Starting point is 00:19:15 so they take their death master file, they hand it over to the National Technical Information Service, and they're the ones who distribute it to all the insurance companies, the genealogy websites, I think Ancestry.com publishes it. Yeah. The... Credit bureaus.
Starting point is 00:19:30 Yeah, insurance companies, everybody who wants to do a background check on you, they all get their versions of this from the National Technical Information Service. But part of the agreement to get this from them, you have to pay for it, is that you have to keep your DMF up to date. Because if you just buy one every once in a while,
Starting point is 00:19:54 and the Social Security Administration finds an error on it and updates their file, if you don't go get the new file, your old file's still gonna have that error. And that's when it becomes problematic for the people who are listed as deceased when they try to go get credit. And it kind of has a tendency to spread once it's out there.
Starting point is 00:20:14 Yeah, so like I said, sometimes it's being miskeed. One, I think they said like one out of every 200 is just from clerical error. Sometimes it can be like a family member goes to a reported death and they accidentally make a mistake where they might end up being on the death list. Yeah, I don't know how that happens,
Starting point is 00:20:36 but it does happen. There are people like Don Pilger. Human error. Mary DuBord, who apparently Mary DuBord just gave up. She's like, my husband can get credit cards still. I'm just gonna live off of it. Sometimes you, this one woman named Candace Atkins just accidentally clicked deceased on a tax return
Starting point is 00:20:56 on an electronic filing and that was it. Can you imagine? No, I can't believe there's not an undo. That's, yeah, I was looking into that. She had submitted, I guess you could probably have undone it in the moment, but she didn't realize it and submitted it. Right.
Starting point is 00:21:11 But you should still be able to undo that. You would think so. And then there are some weird things, these anomalies that you dug up. More than 40% of false listings made in 2007 were from Illinois. Yup. It sounds like a hiccup in the system to me.
Starting point is 00:21:27 A hiccup in the system or a super lazy data entry person? I think. Yeah. More than 2 million Americans were falsely listed as dying on the 15th and that was just internal policy as to use the 15th as a default value when they didn't know. Right.
Starting point is 00:21:46 And middle of the month sounds good to me. Right. And I guess that was just a question of not going to the trouble of verifying the information. Right. And it can happen the other way too. You can be, I think at least 6 million dead Americans are labeled as alive, which is a huge problem
Starting point is 00:22:04 because your information is out there ready to be abused by the nefarious. Well, no, that's the opposite. If you're listed as deceased, but you're still alive, your information is being published and can be used for identity fraud. If you're actually dead and not listed, if somebody knows that you're dead and not listed,
Starting point is 00:22:26 they can use your stuff to perpetrate fraud against the government. Yeah, that's what I was saying. Oh, okay. Yeah, 67,000 of those people of those numbers were used to report $3 billion in income between 2006 and 2011. And that's a lot of tax return refunds.
Starting point is 00:22:44 So. Fraud. Yeah, so it's a problem both ways, where either you're dead and you're not listed on there or you're not dead and they listed you anyway. And like I was saying earlier, once this information gets out there, because there's so many different entities
Starting point is 00:23:03 getting this list, once it's out there, it stays out there. It's very tough to go around to everyone and get this information changed. Even once you get it changed with the Social Security Administration, because while it's a requirement to keep your list up to date, if you're a subscriber, there's no enforcement to it.
Starting point is 00:23:22 There's nobody who comes along and says, let me see your list. Oh, it's not up to date. Give me $10 that you're fine. There's nobody enforcing it. So once it's out there, it's very tough to undo. It takes forever. Well, less than a year on average supposedly.
Starting point is 00:23:42 So there are a lot of horror stories for what this can do to someone's life. This one person, Rivers, what's the first name? Judy Rivers. Judy Rivers, Rivers Cuomo. Police actually detained Judy Rivers from using, because she used a debit card, her own debit card at a Walmart.
Starting point is 00:24:02 At a Walmart, plus she also had a Mountain Dew bottle-sized meth lab in her pocket. But it seems like all of these cases, it ranges from stuff like your insurance gets all messed up or your maybe disability checks or your Medicaid payments or you're trying to get a home loan or trying to get a credit card. Anything that you can think of
Starting point is 00:24:27 where a Social Security number might help you can't get a haircut. You should see how long the hair is on these people. Even if you have cash, they won't do it. Rivers ended up living out of her car for six months. Yeah, she had just a really bad time of it for five years. And at first she didn't know what was going on
Starting point is 00:24:45 because she was frozen out of her bank accounts. Cause this is something we said, like you can't get future loans, you can't get future insurance policies, you can't get future credit, but also the stuff that you already have, your current bank accounts, all that stuff gets frozen because you're listed as dead.
Starting point is 00:25:04 And so that comes up on the computer and your account gets frozen. And even when you show up and say, hey, it's me, you know me, the teller can't do anything about it. The bank can't do anything about it. It's done. And now you've just been pitted against the system.
Starting point is 00:25:20 Yes. And it's like, there's no door you can go knock on and say, hey, we can clear this up in just a few minutes. I'm clearly alive. You just click the few little things you need to click to get my life back. Because the CUS government, it's not nearly that easy. So I guess that Chuck, that brings up what to do,
Starting point is 00:25:40 cause there actually are procedures in place. Like we said, the Social Security Administration says, this is not fully accurate. Anybody who gets this list needs to keep updating it as we update it. I think they released an updated list weekly. They don't even tell you though. You find out the hard way almost always.
Starting point is 00:25:56 That's a big one. Yeah. It's not like they say, by the way, we found an error because they don't know. They don't know you're alive. Right. So I actually called the Social Security Administration. She did.
Starting point is 00:26:07 I did. Because I wanted answers. You didn't go to the office? No, I didn't. I was a little lazy. Coward. It wasn't cowardless. It was laziness.
Starting point is 00:26:15 So I was talking to like just the guy who answered and he knew exactly what I was talking about, knew all the procedures. But I asked him, I was like, do you guys ever uncover this yourselves? Or is it when people come to you that you know there's a mistake? He's like, yeah, when people come to us.
Starting point is 00:26:30 So supposedly there's all these reforms in place and all that. But I think still for the most part, when an error is uncovered, it's because you found it out. But even if they do find it out, yes. What you said is true. They don't inform the person, which is kind of a violation of the privacy act, right?
Starting point is 00:26:50 I would think so. From what I understand, it is like anytime your confidential information is breached and made public, you're supposed to be informed about that. So the SSA should be sending out letters as far as I know, they do not. I love this quote in here under the section on what to do. Like the Social Security Administration
Starting point is 00:27:09 is trying to correct this. And there's a quote from someone who works there that said that sometimes they'll go out and see if older Americans are really still alive. And it says this, we go to Medicare and see if anyone hasn't been to Medicare for three years. And if they haven't been, we try to go out and make a phone call to call them
Starting point is 00:27:31 and see if they're still here. And the interviewer was like, are you drunk? That's what it sounds like. That was the follow up question. Oh man. So yeah, I mean supposedly because of things like that Scripps Howard News Service investigation in 2011, 60 Minutes did a big one
Starting point is 00:27:50 and I think 2014 or 15. This is right up their alley. Yeah, for sure. Yes, it is. It's a very 16 minutes kind of story. Like the truth of what you just have ran through me like a bolt, but the Social Security Administration has finally kind of started to be responsive.
Starting point is 00:28:07 And they are supposedly undertaking reforms including having investigators try to route this out themselves which ironically they're relying on other government databases like this guy said Medicare to check their records against. They've stopped taking reports from the state and now only accept direct reports from people but that in itself opened up another problem
Starting point is 00:28:30 because they went back and cleared out the records of like five million Americans whose deaths have been reported from state databases. So that six million went to something like 11 million of dead people who aren't on there. Now, are they actually recommending that you pull your credit report three times a year? Yes.
Starting point is 00:28:52 Really? Yes. That seems like, I don't know. You're not like that affects your credit. I don't know if that one does. Really? I know it's free for sure but I don't know if it affects your credit or not.
Starting point is 00:29:05 But yeah, so you get access to the credit reports from the three big bureaus, right? Are you gonna do that? Have you set up calendar reminders? No, I'm going to now though. Once a quarter for the rest of your life to make sure you're not listed as dead. I haven't had time today yet.
Starting point is 00:29:20 It seems like if you're an active consumer in the world you would find out very quickly. Very quickly. Without having to do that. Yeah, that script service though when they found the like 34,000 people who had been listed as dead. They tried to contact as many of them as they could.
Starting point is 00:29:36 They said about half of the people were well aware that they were listed as dead and have been through nightmare struggles. But strangely like half had no idea what they were talking about. So it's like, what kind of life do you have to live to not be aware of that? Because you or I would come up against it
Starting point is 00:29:52 within a week or a month or something it seems like. Like there would be something that came up where it's like, wait a minute, like it says this information is incomplete or it says you're dead or something like that. We find out pretty quick. Or just to go get money out of a cash machine. Right.
Starting point is 00:30:07 It might say, sorry, your pen doesn't work. But I think the recommendation is in addition to finding out that you're listed as dead. Gotcha. There's also a lot of other stuff that you can kind of keep tabs on by looking at your credit report three times a year. Once every four months.
Starting point is 00:30:24 Yeah, and they say the real solution for all of us would be if every company on the planet doesn't require, well, here's the thing though. They can't legally require your social security number to open up a, or start a telephone in your name at a home. Right. But they'll ask for it. And if you refuse to give it,
Starting point is 00:30:43 like you may not be able to get it all or you may just have a really, really hard time. Yeah, they can refuse to do business with you. And that's the crux of the problem. Exactly. Because that de facto means that you need to play ball. Whether you wanna give your social security number out or not, tough.
Starting point is 00:31:01 If you want that internet service or that cable service or you want that haircut, you're gonna have to play ball. Yeah, it was, I remember growing up, it was like, I remember I had a social security card and I remember my mom being like, you gotta put that in your desk drawer and like don't touch it ever.
Starting point is 00:31:19 If somebody comes near your drawer, you shoot them with this gun. Yeah, it was crazy. And now it's just like, I probably give out my social like twice a month. Right. But because of those breaches, because so many people have your social security number now
Starting point is 00:31:35 and because hackers have gotten really good at getting into things, like I think it was Experian or TransUnion who were hacked in 2017. Oh yeah, that was huge. That was, it was not only, I read, not only did it basically just totally erode the public's trust and credit bureaus to keep our stuff private.
Starting point is 00:31:56 Like they were the ones who were supposed to be unhackable. Right. And I think 137 million social security numbers made it out into the wild from that hack. That not only eroded trust in the credit bureaus, it was the beginning of the end for using social security numbers like we do
Starting point is 00:32:16 to authenticate or as identifiers. Yeah, companies some are moving away from that now, right? Yeah, because they're getting sued and they're getting fines and they just realized they can't keep this stuff protected. The problem is no one knows what's next. A lot of people have talked about like blockchain, but nobody understands blockchain,
Starting point is 00:32:33 which by the way, we should totally do a blockchain episode. Yeah. But everybody's kind of like, it's probably gonna be blockchain. But first I have to go figure out what blockchain is. And then we'll figure out how to do social security numbers through blockchain. I'm sure in some offices they're like,
Starting point is 00:32:47 you know the old barcode on the back of the neck? Seem silly, but it sure would work. Have you seen Brazil? Should we take a break? Oh yeah, let's. All right, let's take another break and we're gonna talk a little bit about the rest of the world right after this.
Starting point is 00:33:02 MUSIC On the podcast, Hey Dude, the 90s called David Lasher and Christine Taylor, stars of the cult classic show, Hey Dude, bring you back to the days of slip dresses and choker necklaces. We're gonna use Hey Dude as our jumping off point, but we are going to unpack and dive back
Starting point is 00:33:33 into the decade of the 90s. We lived it, and now we're calling on all of our friends to come back and relive it. It's a podcast packed with interviews, co-stars, friends, and non-stop references to the best decade ever. Do you remember going to Blockbuster? Do you remember Nintendo 64?
Starting point is 00:33:50 Do you remember getting Frosted Tips? Was that a cereal? No, it was hair. Do you remember AOL Instant Messenger and the dial-up sound like poltergeist? So leave a code on your best friend's beeper because you'll want to be there when the nostalgia starts flowing.
Starting point is 00:34:03 Each episode will rival the feeling of taking out the cartridge from your Game Boy, blowing on it and popping it back in as we take you back to the 90s. Listen to Hey Dude, the 90s called on the iHeart radio app, Apple Podcasts, or wherever you get your podcasts. Hey, I'm Lance Bass, host of the new iHeart podcast, Frosted Tips with Lance Bass.
Starting point is 00:34:22 The hardest thing could be knowing who to turn to when questions arise or times get tough, or you're at the end of the road. OK, I see what you're doing. Do you ever think to yourself, what advice would Lance Bass and my favorite boy bands give me in this situation? If you do, you've come to the right place because I'm here to help.
Starting point is 00:34:39 This, I promise you. Oh, god. Seriously, I swear. And you won't have to send an SOS because I'll be there for you. Oh, man. And so will my husband, Michael. Um, hey, that's me.
Starting point is 00:34:50 Yeah, we know that, Michael, and a different hot, sexy teen crush boy bander each week to guide you through life step by step. Oh, not another one. Kids, relationships, life in general, can get messy. You may be thinking, this is the story of my life. Just stop now. If so, tell everybody, yeah, everybody about my new podcast
Starting point is 00:35:10 and make sure to listen so we'll never, ever have to say bye, bye, bye. Listen to Frosted Tips with Lance Bass on the iHeart radio app, Apple podcast, or wherever you listen to podcasts. So, Chuck, we're going around the world in 80 days in our nice little balloon. Actually, I said we're going to talk about the rest of the world.
Starting point is 00:35:44 We're only going to talk about one more place in the world. Hey, man, I got Canada. Oh, yeah? The UK, basically anywhere there's a country with a bureaucracy and a country where people die, there's going to be someone erroneously listed as dead. All right, so let's go to India. Okay, we'll do that.
Starting point is 00:36:02 In India, it's not always an accident. Sometimes it's an error, but sometimes you can do what they call, quote, killing people on paper, end quote, in order to say their property is mine to lay claim to something legally. You can do so, especially, I mean, it's not legal, but it's something that happens. No, you can bribe an official who will say, oh, okay, yes, this person is dead.
Starting point is 00:36:30 Thank you for reporting their death. Here is their land, all their cousin or whoever. Well, supposedly in the northern state of Uttar Pradesh, it's become a real problem there. And there was a man, there is a man. Yeah, he's still around. His name, Lal Bharari, who in 1976, at the age of 22, found out he was listed as dead, and his uncle, did his uncle do this,
Starting point is 00:36:58 or did his uncle just get the land? His uncle's family, huh? His uncle's family did. Oh, they're the one that purposefully listed him as dead. Yeah. Just so they could get the land. Yep, he went to go get a business loan. He was a loomer, and he went to get a business loan.
Starting point is 00:37:11 And to get a business loan, he needed documentation of his identity, and when he went to go get that, the local records office is like, you're dead. And it took him 17 years to undead himself. Yeah, fortunately for the world, he had a great sense of absurdity. Of humor? Like, yes, but also like the humor in absurdity. Like, he realized like, this is so preposterous, and he really
Starting point is 00:37:38 used that as motivation to make huge moves. Yeah, he would answer the phone as dead person, which is Mritak, is that how you pronounce that? I think you just nailed it. He would answer the phone like that. He organized the Uttar Pradesh Mritaksingh, which is the Uttar Pradesh Dead People's Association. And it seems like really brought a lot of attention to this
Starting point is 00:38:05 through almost like public absurdist public demonstrations. Public shamings, too. Yeah, like parades of dead people walking around on the steps of like the government buildings and stuff like that. And finally, in 1994, he did have his death overturned legally. Did you see whether or not he got his land? I didn't see that, actually. It's a great question.
Starting point is 00:38:28 I didn't even think about that. But yeah, I did not. I don't know. But 221 people because of his efforts in that area of India had their deaths overturned. Yeah, I mean, that was just in one year, even. What I think is cool about him is he founded this organization and got his life back in 94, but still stayed on as the,
Starting point is 00:38:53 you know, the driving force behind the Uttar Pradesh Dead Persons Association. And won an Ig Nobel Prize for it. Not bad. We did an episode on that, too. You remember the Ignobells? Man, that was a long time ago. So one more thing, we never really actually
Starting point is 00:39:09 said what to do if you end up listed incorrectly as dead on the death master file. Start answering the phone as dead, Chuck? Yeah, exactly. Shame the government. Also, the other thing you're supposed to do first is go in person to your local Social Security Administration.
Starting point is 00:39:26 And by the way, this is information directly from the SSA to me to you because I called them. I know. The guy said, just bring a driver's license at Passport and we'll handle it from there. And I was like, wait, that's it? He's like, yeah, you know, the information matches, your picture matches, that's all you need.
Starting point is 00:39:44 And you said, and by handle it, you'll mean nothing will happen here. That's right. And I go, so do you give the person, so they give you a letter saying this person's alive, they were listed as deceased by mistake, give them their credit or whatever. We love you, Social Security Administration.
Starting point is 00:40:01 And I said, do you give the letter then once they prove it? And he's like, no, once the file is updated, then we typically send the letter out. And I was like, how long is that? And it's weeks easily, if not months, before you're going to get a letter. But if you find out the first thing you want to do, go to your local Social Security office with your passport
Starting point is 00:40:21 and or your driver's license and say, surprise. Yeah, I saw that one person even had to have a note from their doctor verifying that they were indeed alive. Yep. Weird life. That must be weird death. So if you want to know more about the death master file, you can go look it up.
Starting point is 00:40:41 It's kind of interesting actually, as far as bureaucracy goes. And since I said bureaucracy, it's time for Listener Mail. I'm going to call this, this is a follow up on the Rape Kits episode, which we got a lot of amazing and sad stories from that one. This is about the money,
Starting point is 00:41:01 the monies, because remember on the show, we said that, you know, you don't yet to pay for that stuff. For treatment. Yeah, right. Apparently you can get money back, which we've meant to go back and rerecord a section and did not.
Starting point is 00:41:15 Oh yeah. So this is by means of following up on that. Hey guys, long time listener. First time writer finished the episode on Rape Kits and realized I could offer some information that will hopefully bring some peace of mind. I work as a medical biller for a hospital in the Midwest. Part of my job is processing
Starting point is 00:41:31 the sexual assault claims that come in. At our hospital, we have a program for those who present to the hospital after a sexual assault. We, in partner with the state, cover all the charges that result from the initial ER visit and the patient is given a voucher for any relevant follow up care that they may need over the next three months.
Starting point is 00:41:50 That is awesome. It is. And we realized that a lot of states do this after we had recorded and published the show. Yes. I'm so glad this person wrote in that so you could say. It is good to know.
Starting point is 00:42:02 We also take steps to ensure that the patient will never see a bill or be contacted by our department in regards to their visit to reduce any re-traumatization. I'm the point person for this process here. Handle all the claims personally. I'm not sure how many hospitals implement this program but I hope this helps y'all know
Starting point is 00:42:19 that at least here we do as much as we can to alleviate any unnecessary burden from our patients during this stressful and sensitive time. That was really great. Thanks for all you guys do. You have transformed many days, years, spent in a cubicle into opportunities to learn, keep doing the great work, and that is from Maria.
Starting point is 00:42:36 Thank you very much. That was amazing. Yeah, Maria. Thanks for doing that job too. That's tough stuff. That was the antithesis of another email we got who basically said regarding your little soap box about how society should take on that cost,
Starting point is 00:42:52 keep your politics to yourself because I disagree. I don't know if I saw that one. It was a bad one. And I just wanted to say that that person is a butthead. Oh, no, wait, maybe I did see that. I couldn't even bring myself to respond. I think I did and I did respond. Oh, what'd you say?
Starting point is 00:43:07 I don't remember. Did you tell them they were a butthead? Go jump in a lake. There you go. Well, if you want to get in touch with us, whether we think you're a butthead or a saint, it doesn't matter. We still want to hear from you.
Starting point is 00:43:19 Or a beavis. You can go on to stuffyshano.com. Check out our social links. You can also send us a good old-fashioned email. Wrap it up, spank it on the bottom, spray with perfume, and send it off to stuffpodcast at iHeartRadio.com. MUSIC
Starting point is 00:43:38 Stuff you should know is a production of iHeartRadio's How Stuff Works. For more podcasts from iHeartRadio, visit the iHeartRadio app. Apple podcasts are wherever you go into your favorite shows. On the podcast, hey dude, the 90s called David Lashman. In the picture in Christine Taylor,
Starting point is 00:43:59 stars of the cult classic show, Hey Dude, bring you back to the days of slip dresses and choker necklaces. We're going to use Hey Dude as our jumping off point, but we are going to unpack and dive back into the decade of the 90s. We lived it, and now we're calling on all of our friends to come back and relive it.
Starting point is 00:44:16 Listen to Hey Dude, the 90s called on the iHeartRadio app, Apple podcasts or wherever you get your podcasts. Listen to Frosted Tips with Lance Bass on the iHeartRadio app, Apple podcasts or wherever you listen to podcasts.

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