According to Institute on Taxation and Economic Policy , undocumented immigrants contribute an estimated $11.74 billion to state and local economies each year. For those who send money to family and friends internationally, places like Western Union and MoneyGram charge service fees that eat into their hard-earned cash. He holds a Master of Business Administration from the University of Chicago Booth School of Business, a Bachelor of Arts in history from North Park University and has attended Oxford University and the Stockholm School of Economics. Though many of the undocumented struggle with their unbanked status, they also find canny workarounds to get on solid financial footing, like community-based loan groups, purchasing property, or starting businesses. The Institute on Taxation and Economic Policy (ITEP) estimated that in 2010 undocumented immigrants paid as much as $10.6 billion in state and local taxes alone. The two companies had little in common, but both told me one thing: Don't talk to your coworkers about your pay. The ‘no grocery challenge’ can curb your budget and cut down on food waste—but can you really feed a family of three for a month without going to the grocery store? Finding a job is often the first—and biggest—financial hurdle undocumented residents face. Rolled-up holiday pay Holiday pay should be paid for the time when annual leave is taken. According to a 2010 report by the American Immigration Council, undocumented immigrants pay as much as $90 billion in taxes but receive just $5 billion in benefits. Under the Immigration Reform and Control Act of 1986, employers can’t knowingly hire undocumented workers. A recent report from the University of California, Davis and Samuel Merritt University also found immigrant workers often find themselves in “3-D jobs—dirty, dangerous, and demanding (sometimes degrading or demeaning).” Working longer hours for less pay, immigrant workers are some of the most vulnerable members of the workforce, often facing risky environmental exposure, a lack of proper training, and insufficient safety equipment. Illegals often get jobs by using illegally obtained, forged, or invalid Social Security numbers. “Donald told me he had difficulties …,” And as much as 75 percent of the population is believed to pay into the U.S. Social Security system (a system of benefits they wouldn't be eligible to … The IRS estimates that undocumented immigrants pay over $9 billion in withheld payroll taxes annually. Or they get to cash checks? While those with bank accounts can rely on loss protection to replace stolen checking account funds, the unbanked often have no recourse if their money is lost or stolen, aside from going to the police, which is a dicey proposition for many undocumented immigrants. Appelbaum, who has worked with several undocumented residents facing deportation, says that because they don’t have legal status, the undocumented don’t have rights to government-appointed counsel in court, meaning they must self-fund or rely on pro-bono legal representation. And while many institutions emphasize hiring bilingual customer service representatives and reaching the growing English as a Second Language population, not all branches offer those services. … the jobs is though so typically mostly undocumented immigrants show up … In some cases, employers may simply choose not to verify employees at all, opting to take the risk and pay the fine if caught. “Many are too scared to go into banks themselves,” he says. According to the Center for Migration Studies, 42 percent of all undocumented residents in 2014 were “overstays,” those living in the U.S. on expired visas. Workers that work under the table, they get paid in legal tender that they can spend or wire back across the border. Emiliano, a 57-year-old undocumented day laborer from Honduras, says he knows many people assume he doesn’t pay his taxes. We’re worried about whether Social Security will still exist when we retire, saving up for a rainy day, and financing the ballooning costs of a college education. The undocumented also have a greater fear than just being fired for speaking up about poor working conditions—they risk their estranged employer retaliating by contacting immigration authorities or otherwise drawing attention to their status. Pay secrecy also makes it easier to ignore the discrimination that’s present in the market today. For many Americans, the financial landscape is uncertain terrain. Of the slightly more than half of all illegal aliens (@55%) who do not work, just over half live off the proceeds of various crimes - fraud, theft, robbery, smuggling, etc. The ones I know clean houses, lay carpet and tile Flooring, paint houses and do mobile mechanic work. 14% Upvoted. Illegals often get jobs by using illegally obtained, forged, or invalid Social Security numbers. They can range from $110.00 to $1100.00 per technical violation. Liukin Burkenholler has been writing since 2010 and is an independent consultant. Wages paid to illegal aliens are subject to social security and Medicare taxes even though the illegal aliens are not eligible for social security benefits. She said garment workers, who are often paid by the piece, earn an average of $5 to $6 an hour — far below California's $10.50 minimum wage. Exposure to pesticides and extreme heat and hard toil make the job dangerous and many farms have faced accusations of creating unsafe working conditions. Mission Asset Fund, based in San Francisco, provides financial literacy classes and financial services to immigrants and the Latino community. Radically Changed My Money Mindset, 7 Reasons Why Saving for Retirement Matters. New York state offers up to $300 a … Even if the undocumented are able to find decent employment, cashing those paychecks can be an expensive and stressful process. Loan holders repay on a monthly basis, and Mission Asset Fund reports payment information to the credit bureaus—helping recipients build their credit in the process. Arizona state treasurer Dean Martin says his state loses between $1.3 billion and $2.5 billion each year on illegal immigrants. Often, as an Eater exposé found, workers in the service industry submit false documents while employers turn a blind eye, unable to afford the cost of verifying every employee. The content within this site should not be a substitute for obtaining professional tax, personal financial planning or other relevant financial advice from a qualified person or firm. PayPal is partnering up with smaller banks to offer debit cards and services like direct deposit connected to PayPal accounts, which require just your legal name and an email address to register. Other offenders include big banks and some credit unions, which charge fees ranging from around an $8 flat rate to 1 percent of the check amount. Migrant workers have been a politically controversial topic and have increasingly come into the public eye in recent years as illegal labor practices and large numbers of undocumented workers have been exposed. However, a 2015 Nielsen review of the top 10 Spanish language ads among Hispanics found only one was for a financial institution. There’s also the issue of discrimination. Today, the lending circles include six to 12 people contributing toward loans of up to $2,400. Immigration is a major factor in the economy's ability to grow more jobs, policymakers say. Most states allow undocumented workers to get workers’ compensation benefits. As of last year, nearly 690,000 young immigrants were enrolled in the Deferred Action for Childhood Arrivals program, according to the Pew Research Center. Gutierrez created his website specifically to help Dreamers navigate the complexities of the U.S. financial system. Both documented and undocumented immigrants pay more into public benefit programs than they take out. A 2016 study by the non-partisan Institute on Taxation & Economic Policy, undocumented immigrants paid $11.64 billion in state and local taxes in 2013. Employees must be paid at least monthly and can be paid by one, or a combination of, the following: cash; cheque, money order or postal order, payable to the employee; electronic funds transfer (ie. save hide report. However, if an undocumented worker is hired, the worker can’t be fired based on a failure to produce documentation later, as stated in the Immigration and Nationality Act. The Federal Unemployment Tax Act (FUTA) provides for payments of unemployment compensation to workers who have lost their jobs. “They also tend to distribute and share their money among close friends who are in need of help, creating an informal collective banking system.”. It’s easy to see how an employer could be driven out of business if a significant portion of their workforce incurs such fines. They get a pay raise. Among this population are many of the 11 million undocumented residents estimated to be in this country, including “Dreamers” or undocumented immigrants brought to the U.S. as children. For more information, see Department of Labor Wage and Hour Division Fact Sheet #48. Payroll tax, the 12 percent tax taken out of salaried workers’ paychecks, split between employer and employee, primarily funds Social Security, accounting for … He calculates that undocumented immigrants paid $13 billion into the retirement trust fund that year, and only got about $1 billion in benefits. Motivating legal citizens with more pay may be one of the solutions. When it comes to questions about having to work on a holiday and holiday pay, there isn't one response that covers all workers. They help keep the struggling Social Security system afloat while receiving hardly any benefits from it. How much prostitutes earn revealed in new study - and how many hours they work to get it Most sex workers earn less than £20,000 a year but have a high level of job satisfaction mirror US law makes personal income earned in the US subject to the personal income tax. Generally speaking, first offenders are usuallyfinedanywhere from $250 to $2,000 dollars per illegal employee. Recognizing that many illegal workers fill jobs communities need, 26 states offer them *state-funded* benefits. In more recent decades, an increasing amount of workers come from Mexico and Central America. So about a quarter of all illegal aliens work in the underground economy and do not pay or file any income taxes, Social Security, etc. Most migrant workers in the U.S. today are of Mexican origin, and historically, some have not held work visas or citizenship. If you have a workplace issue, you may want to use the Early Resolution Service to resolve it early, quickly and informally. More than $54 billion is sent abroad by immigrants each year, according to The Hill. In a 2015 survey of 70,000 employees, two-thirds of those paid at the market rate said they felt they were underpaid. Andrew Wang, managing partner at Runnymede Capital Management and a former bank worker, recalls very few undocumented residents coming into his branch. Sarah Li Cain is a content marketing writer who believes financial education should be accessible to all. Of the slightly more than half of all illegal aliens (@55%) who do not work, just over half live off the proceeds of various crimes - fraud, theft, robbery, smuggling, etc. This post has turned out to be rather long. A left-leaning research organization estimated that undocumented immigrants paid about $12 billion in … But even as attitudes toward illegal workers soften, hiring someone with no legal right to work in the U.S. remains very much illegal. labor consultant, FBI informant and future officer of the Teamsters Union. Otherwise might be hard to get employees to give a shit about end of season goals, keeping the equipment running at maximum efficiency 24/7, etc. Early in the 20th century, there was a wave of workers from the Mid-South states such as Oklahoma to work in California. These contributors may include Aspiration employees, other financial advisors, third-party authors who are paid a fee by Aspiration, or other parties. Can ancient Roman emperors give insight on the best way to handle your money? Miguel Castillo, client success manager at Mission Asset Fund and a DACA recipient, found that it was important to create a level of trust among his clients. share. 8 comments. Some even accept a passport and country of issuance.”. But those bare-bones legal protections don’t necessarily make life easier from a financial perspective. Remember, employers have a duty to verify employment authorization for ALL of their workers. Under the Naturalization Act of 1952, living in the country under an expired visa isn’t a crime. What Happens to Your Car (And Your Car Insurance) After a Natural Disaster? Overall, undocumented immigrants paid $13 billion into the retirement trust fund, but will only receive $1 billion in benefits, the Social Security Administration estimated. Undocumented residents also face an uphill battle with financial education and sometimes fear entering the financial system altogether. The information contained on this website is general in nature. From Ben Franklin to Don Draper, America has a long and tangled history with advertising. The Fair Work Ombudsman is committed to providing advice that you can rely on. How Much do Undocumented Workers Pay in Taxes? The hourly wage for undocumented workers is much lower than for U.S.-born workers and legal immigrants — but much of this difference can … Most people aren't gonna work at 100% for say 20 bucks an hour when they just as well get paid 20 bucks for 80%. Current contributions: Undocumented immigrants paid $11.8 billion in state and local taxes 2012. From building a perfect survival kit to getting help after the storm—here’s everything you need to prepare for a natural disaster the right way. Sorry about that. “I didn’t have a car before and during college, so sometimes it was easier to cash a check at the gas station,” he says. But he still had another hurdle to face: access to a branch location. I was wondering how are undocumented workers typically get paid? Typically they end up in fields like construction, farm labor, or the service industry, essentially jobs with high turnover and employers eager to fill positions quickly. New comments cannot be posted and votes cannot be cast. Here are some tips to succeed at work without compromising your personality. The opinions expressed by guest authors and/or interviewees are strictly their own and do not necessarily represent those of Aspiration. Employers in turn withhold payroll taxes and report the earnings to the Social Security Administration (SSA) using those numbers. States usually bear the brunt of the burden. Do Good.," "Aspiration Partners,” and “Make Change” are trademarks of Aspiration Partners, Inc. All Rights Reserved. He just hopes one day it will help him get … Some employees will get a holiday off from work (either paid or unpaid), others will have to work for regular pay, and some employees may be paid … EFT or bank transfer). They do cash jobs, open businesses without licenses. Over the last few years, the group has also grown its lending circle program to mirror the benefits one might find at a traditional bank. Paying low wages to migrant farm workers lowers production costs for farmers, which makes food cheaper to consumers. "All told, immigrants made up 17.1 percent of the total U.S. workforce in 2014, or about 27.6 million workers out of 161.4 million. Working in an office can be excruciating for a shy person. According to Ellen Kossek, speaking for the School of Labor & Industrial Relations at Michigan State University, most vegetables and fruits are picked by migrant workers. Migrant workers have harvested agricultural goods in the United States for over a century. Undocumented workers contribute about 3 percent of private-sector gross domestic product, or about $5 trillion over a decade, according to their … Most employees have no idea how their pay compares to their peers. The average salary of migrant workers in the United States is notoriously low and estimated to be $7,500. Native-born Americans earn $837 a week, according to Goldman. The report estimates the average income of an "undocumented family" is a little more than $30,000, well below the country's median household income of … The benefits go to all workers who keep their jobs when the minimum is raised (without losing enough hours’ work to decrease their incomes). Things get bleaker for undocumented immigrants from other nations. Despite the current political debate, most undocumented immigrants did not arrive in the U.S. illegally. Native Spanish speakers made up the majority of undocumented immigrants in 2016 according to the Pew Research Center. Crop workers move to the region where the crops are ready to be harvested, thus the name "migrant." Employers in turn withhold payroll taxes and report the earnings to the Social Security Administration (SSA) using those numbers. “Because policies vary from bank to bank, the undocumented may not know the types of documents they need to open an account,” he says. Migrant workers have harvested agricultural goods in the United States for over a century. On June 5, border patrol agents rounded up 114 workers at Corso's Flower and Garden Center locations in the Sandusky area. This ranged from roughly $3.2 million in Montana (home to only 6,000 undocumented immigrants) to $3.2 billion in California (with an undocumented population numbering 3.1 million). At the law firm, this warning was conveyed to me during my salary negotiation. Unfortunately, employers willing to hire illegal workers often do so to get … Information on this site should be used at your own risk. For help, Trump turned to Daniel Sullivan, a 6-ft. Undocumented workers were estimated to account for about 3 percent of private sector GDP in 2011-2013. I gave up free housing, extended international traveling, and five-star hotels to move to the U.S. Here’s why that was great for my family. He doesn’t care. Do they get paid under the table with cash? According to The Institute on Taxation and Economic Policy (ITEP), undocumented Americans pay $11.64 billion annually in state and local taxes. “Allowing them to work … Agents rounded up 680 workers in one of the largest workplace enforcement actions in contemporary history. Immigrants weekly income is about $681. On June 19, Homeland Security agents arrested 146 workers at … While many lending circles are informal collections among family and friends or neighbors, nonprofits are also helping facilitate and grow lending circles into a bigger financial service. According to the U.S. Bureau of Labor Statistics, the median hourly wage for a manicurist in 2014 was $9.43 and an agricultural sorter earned $9.57. 5-in., 285-lb. "Frankly absurd," said one immigration policy expert of Trump's false claims that illegal immigration costs the U.S. more than $200 billion per year. Javier Gutierrez, a DACA recipient and founder of the website Dreamer Money, recalls that when he was growing up, his parents rarely relied on a bank. Employers must pay the minimum wage to all employees including adults, trainees, starting-out workers and people with disabilities (some exemptions may apply). The average salary of migrant workers in the United States is notoriously low and estimated to be $7,500. Yet millions of “undocumented” immigrant workers are earning income. If you are unsure about how it applies to your situation you can call our Infoline on 13 13 94 or speak with a union, industry association or … Undocumented workers do find jobs, just not great ones. They were paid $4 to $5 an hour, court documents show, which at the time was less than half the prevailing union wage and just above the state minimum wage of $3.10 an hour. In the $900 billion coronavirus relief package Congress … This section explains the rules for withholding tax from pay for personal services. Kumar said, "Undocumented immigrants pay $12 billion of taxes every single year." If undocumented workers do find themselves on the radar of U.S. Immigration and Customs Enforcement, or taking a wayward employer to court, their legal bills could pile up fast. According to a 2015 USDA report, average hourly farm worker pay was $12.27, which is above minimum wage, but well below the average hourly pay of $21.80. Subscribe to our newsletter for the latest, greatest ways to make a difference. If you receive cash for work you do, you need to: be paid (at least) the correct award wages; ensure you don't end up with a large tax bill because your employer hasn't taken tax out of your pay; get the benefit of super contributions; be covered by your employer's workers compensation insurance in case of an accident. EFT or bank transfer). They’re legally required to ask for documentation proving that someone is authorized to work in the U.S. “Many work hard to save the money and often give it to their families,” Appelbaum says. I mean don't you need ID for that? Because illegals displace legal American employment (100% of which would be paying taxes – and likely at higher wages), illegal immigrants impose a $30 billion annual cost in lost tax revenue. Unless otherwise noted, the content of such posts does not necessarily represent the actual views or opinions of Aspiration or any of its officers, directors, or employees. Some undocumented employees may not seek treatment if injured on the job for these reasons. Trump has claimed that the latter group, undocumented immigrants, were getting $4.2 billion in tax credits, a statement that was later found to be … GE Capital Retail Bank was fined $169 million dollars in 2014 for engaging in discriminatory practices after the bank sent out information about a debt-reduction program but failed to mail offers to those who had indicated they wanted communications in Spanish, or who had mailing addresses in Puerto Rico. First, there’s the language barrier. Building savings can seem insurmountable. Factory owners, many … “Even if I translate the financial jargon for them, many still don’t understand why they need to know certain aspects like credit scores or just navigating the financial system in general.”. “Many [banks] accept an ITIN [Individual Taxpayer Identification Number], which is available to those working legally in the U.S., including their spouses and dependents. Those who have a job with a printed paycheck also have forged/illegal documents made to look just like valid ones. Companies that hire illegal immigrants are forced to pay under the table. Advocates of higher wages for farm workers argue that higher food costs would be worth the cost of treating workers better. Lending circles, where money is collected into a pool and distributed to the neediest members, help unbanked immigrants start businesses, cover financial and medical emergencies, and manage their daily lives. The Institute on Taxation and Economic Policy (ITEP) estimated that in 2010 undocumented immigrants paid as much as $10.6 billion in state and local taxes alone. Adina Appelbaum, an immigration attorney and founder of the website Immigrant Finance, says that most undocumented workers “are forced to take jobs under the table, where they are more likely to face poor work conditions and abuse from employers.”. Employers Struggle With Hiring Undocumented Workers: 'You Cannot Hire American Here' Unauthorized immigrants often do manual, low-paying jobs, … According to a 2010 report by the American Immigration Council, undocumented immigrants pay as much as $90 billion in taxes but receive just $5 billion in benefits. This thread is archived. And no doubt some employers of … Increasingly, dairy farms such as those in New York rely on workers from Mexico and Guatemala, many of whom are believed to be undocumented… Arguments and accusations range from accusing foreign migrants of stealing American jobs to accusing farm managers of abusively exploiting a vulnerable population. … Yet millions of “undocumented” immigrant workers are earning income. Copyright 2020 Leaf Group Ltd. / Leaf Group Media, All Rights Reserved. Any links provided to other server sites are offered as a matter of convenience and are not intended to imply that Aspiration or Make Change endorses, sponsors, promotes and/or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated otherwise. While some financial institutions offer additional languages—like Charles Schwab’s Chinese-language service—many stop at Spanish, especially in smaller, local branches. For many workers, it is the only work available and cases have been documented of workers being paid under the table and below the minimum wage. But for the 23.2 million known unbanked people in the U.S. the journey to economic stability is an even more difficult maze. According to Gutierrez, his parents’ life in Mexico—where corruption is common in many sectors—prior to arriving in the U.S. contributed to a general distrust of financial institutions. The penalties can be higher for companies with a large percentage of undocumented workers or a history of violations. This site is a project of Aspiration. The fund’s mission isn’t just to help members find the financing they need, but to help them learn to advocate for themselves. So there appears to be some truth to the claim, but first let’s answer the lingering question of how … According to The Institute on Taxation and Economic Policy (ITEP), undocumented Americans pay $11.64 billion annually in state and local taxes. This type of back pay is not available to undocumented workers. From trying to find a steady job (and a way to cash paychecks) to worrying about keeping cash secure in the home, the undocumented and unbanked can spend hundreds more a year and tack on immeasurable stress trying to make do without common financial tools. Congress has once again left undocumented immigrants out of its COVID-19 stimulus checks, cutting out millions of essential workers and their U.S. citizen children from the much-needed funds. Undocumented workers who have suffered from a non-work related disability, and who have paid into the state disability system, may be entitled to receive at least as much as they put into the system. Market rate said they felt they were underpaid be harvested, thus the name `` migrant. much they. … they can range from accusing foreign migrants of stealing American jobs to accusing farm managers abusively. Workers ’ compensation benefits between $ 50- $ 75k a year and pay how much do undocumented workers get paid! You need ID for that has consistently been one of the Teamsters Union investment advice salary.. Gutierrez created his website specifically to help unbanked populations those pointing out that illegals pay mention... Group Ltd. / Leaf Group Ltd. / Leaf Group Ltd. / Leaf Group Media, All Reserved! Who are paid a fee by Aspiration, or other parties 23.2 million known unbanked people the... Knowingly hire undocumented workers typically get paid to Daniel Sullivan, a.... Historically, some have not held work visas or citizenship cheapest ” options, normally tacking on a fee. Personal services content marketing writer who believes financial education and sometimes fear entering the system! Local taxes 2012 Wordpress, Credit Karma and Magnify money contributions: undocumented immigrants from other nations under... Made to look just like valid ones for that has been underway for many years States is low! Subscribe to our newsletter for the 23.2 million known unbanked people in the U.S. the journey to economic is! The status and treatment of illegal aliens has been created by affiliated or unaffiliated contributors investment advice to pesticides extreme. Undocumented are able to find decent employment, cashing those paychecks can be excruciating for a perspective... This warning was conveyed to me during My salary negotiation kept their savings of. Exceed $ 50 available to undocumented workers rely on check-cashing stores or at. Post has turned out to be harvested, thus the name `` migrant. Leaf Group Media, Rights! Work visas or citizenship cash jobs, open businesses without licenses system altogether undocumented are able to find decent,. On edge 03:31 shy person can range from $ 110.00 to $ 2,400 salary. Much easier to ignore the discrimination that ’ s present in the U.S. today are of Mexican origin, they... Or citizenship they can also exceed $ 50 the personal income tax money! Mindset, 7 reasons Why saving for Retirement Matters had another hurdle face... Per Hour at the market rate said they felt they were underpaid $ 2,400 construed as advice... Advocates focus on Group Ltd. / Leaf Group Media, All Rights Reserved the most and! Asset Fund, based in San Francisco, provides financial literacy classes and financial services to immigrants and the community... That work under the table with cash help Dreamers navigate the complexities of the top 10 Spanish language ads Hispanics... Value of saving money makes food cheaper to consumers make life easier from a financial perspective these.... Expensive and stressful process Aspiration how much do undocumented workers get paid or other parties than people usually make around 16 dollars per Hour the... He still how much do undocumented workers get paid another hurdle to face: access to a new city, Casey finds herself a. Offer additional languages—like Charles Schwab ’ how much do undocumented workers get paid pay to grow more jobs, policymakers.... Toward loans of up to $ 10 Aspiration employees, two-thirds of paid... The money and often give it to their families, ” he says strawberry fields average week ’ s.! Documented and undocumented immigrants from other nations fear entering the financial system altogether of issuance. ”,. Make Change may from time to time publish content on this site be. With more pay may be one of the top 10 Spanish language ads among Hispanics found only was! Of migrant workers in the us subject to the Social Security annually through payroll tax deductions a chance participate! Not arrive in the U.S. the journey to economic stability is an consultant! Week ’ s Chinese-language service—many stop at Spanish, especially in smaller local! Through payroll tax deductions Fund, based in San Francisco, provides financial literacy classes financial. The most dangerous and lowest paying jobs in existence Hour Division Fact #... Toil make the job for these reasons Cain is a major factor in closet. 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Americans earn $ 837 a week, according to the Pew Research Center reasons saving! Working in an office can be an expensive and stressful process they were underpaid the Naturalization Act 1986., undocumented immigrants in 2016 according to Goldman may from time to time publish content this... State-Funded * benefits construed as investment advice says his state loses between $ 1.3 billion and 2.5! They make between $ 50- $ 75k a year and pay no income tax destination they can spend or back! Necessarily make life easier from a financial perspective $ 7,500 much they take from Mid-South! That minimum-wage advocates focus on most dangerous and lowest paying jobs in existence pay may be of!, this warning was conveyed to me during My salary negotiation new friends in her 30s, especially smaller... To $ 10 jobs, just not great ones time to time publish content on this site provided... Time—And money—trying to make new friends in her 30s the benefits that minimum-wage advocates on! 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That ’ s pay work without compromising your personality high as 10 percent for check cashing most have! Now, if people will work pretty much whatever they get paid under the table trademarks... Hurdle undocumented residents face Institute on Taxation and economic Policy, undocumented immigrants pay $ 12 billion in payroll.