I need two queries merged/combined

My preference is one query and not two, so I need someone to combine the query named _1 (which pulls SSNs from two different fields) and looks like this

SELECT NAMAST.SOC_SEC_NO_9 AS SSN
FROM MASTER_ALL INNER JOIN NAMAST ON (MASTER_ALL.APP = NAMAST.APP) AND (MASTER_ALL.ACCTNO = NAMAST.ACCTNO)
WHERE (((NAMAST.SOC_SEC_NO_9)<>0) AND ((MASTER_ALL.ALL_CUR_BAL_21)>0));

UNION SELECT NAMAST.SECOND_SSN_213 AS SSN
FROM MASTER_ALL INNER JOIN NAMAST ON (MASTER_ALL.ACCTNO = NAMAST.ACCTNO) AND (MASTER_ALL.APP = NAMAST.APP)
WHERE (((NAMAST.SECOND_SSN_213)<>0) AND ((MASTER_ALL.ALL_CUR_BAL_21)>0));

With this one (which for each SSN pulls a zip code from another table)

SELECT [_1].SSN, CIFHSHLD.CIFH_SEQ, CIFHSHLD.CIFH_ZIP
FROM (_1 INNER JOIN CIFMASTR ON [_1].SSN = CIFMASTR.CIFM_NBR) INNER JOIN CIFHSHLD ON CIFMASTR.CIFM_HSHLD_NBR = CIFHSHLD.CIFH_HSHLD_NBR
WHERE (((CIFHSHLD.CIFH_SEQ)=0))