I'm a fan of forms where they automatically add the dashes/spacing (for ssn and cc, respectively), so you don't have to guess if they're needed.
Enter number, result is: 125-535-2112 .
On the plus side it was predictable and I was able to eventually enter the number something like 2153552121 and have it appear on page as 123-555-1212. When I encountered this a second time a few days later (reordering due to DOA) I discovered pasting the entire number in allowed the 'automatic' nature to add dashes correctly.
The correct answer to me is to strip out non-numbers and then verify the number is a valid phone number (which should be easier than programmatically determining names or dates).