Do we need S.I.N. Cards? (for the Canadians)

16 posts / 0 new
Last post
fuchsiasky's picture
Offline
Last seen: 6 months 3 weeks ago
Joined: 11/16/07
Posts: 959
Do we need S.I.N. Cards? (for the Canadians)

The government is planning to get rid of SIN (Social Insurance Number) cards starting in 2014. They plan to send out the number in a letter and that is it. The rationale is that it will save money and help to reduce identity theft.

What do you think? Good plan? Bad plan?

http://www.cbc.ca/news/politics/story/2012/05/15/pol-sin-card-scrapped.html

(For the non-Canadians - a S.I.N. is a number that we use for employment and tax purposes for the most part. Really anything that has to do with money and the government requires a S.I.N.)

fuchsiasky's picture
Offline
Last seen: 6 months 3 weeks ago
Joined: 11/16/07
Posts: 959

I don't have an issue with it. It is one less card for me to lose! I have mine memorized anyways.

Offline
Last seen: 4 years 2 months ago
Joined: 12/10/05
Posts: 1681

As long as you can opt out of getting one assigned.

It doesn't matter to me whether there is a physical card or not. I've got my number memorized too.

mom2robbie's picture
Offline
Last seen: 2 years 1 month ago
Joined: 01/20/07
Posts: 2541

"kris_w" wrote:

As long as you can opt out of getting one assigned.

It doesn't matter to me whether there is a physical card or not. I've got my number memorized too.

Opt out of having a SIN? Then you can't get a job, a bank account, any tax credits (child tax, etc), you can't register a business, etc.

I think it would be easier to not have the card. DH did not know you are not supposed to carry it with you all the time and had it in his wallet with all his other id. Not a good idea.

After having to put my SIN on every student loan form for years (old school no electronic apps) I have mine memorized.

I current work for CRA and it amazes me when people don't know their SIN.

Also, the American version is SS number.

GloriaInTX's picture
Offline
Last seen: 2 weeks 3 days ago
Joined: 07/29/08
Posts: 4230

In the United States they mail out a SS Card but the only time most people have to show it is when they start a new job. Otherwise we just use the number too.

Offline
Last seen: 4 years 2 months ago
Joined: 12/10/05
Posts: 1681

"mom2robbie" wrote:

Opt out of having a SIN? Then you can't get a job, a bank account, any tax credits (child tax, etc), you can't register a business, etc.

I have some conspiracy theory/off the grid-ish friends who are trying to disassociate themselves from their SIN numbers and don't get them for their kids. He works for himself, they don't use any social benefits, and can open a bank account (it is a tedious process though). It is possible, but far from easy.

Offline
Last seen: 1 year 11 months ago
Joined: 01/18/06
Posts: 1626

It doesn't bother me either way. Though I don't have my SIN memorized. If it can save us some tax $ that could go elsewhere, then it's for the better.

Offline
Last seen: 4 years 5 months ago
Joined: 08/17/04
Posts: 274

I have a SS card here in the states and I don't carry it. I just know it. I got one when I was born and one when I changed my last name.

Don't see a need for it but how much different is the card than printing out a letter? I would like something on paper in case I needed it.

Offline
Last seen: 1 year 8 months ago
Joined: 03/14/09
Posts: 624

"JorgieGirl" wrote:

It doesn't bother me either way. Though I don't have my SIN memorized. If it can save us some tax $ that could go elsewhere, then it's for the better.

Yes, they need to pay for all those fighter jets and Peter MacKay's helicopter flights somehow.

ClairesMommy's picture
Offline
Last seen: 1 year 6 months ago
Joined: 08/15/06
Posts: 2299

"mom2robbie" wrote:

Opt out of having a SIN? Then you can't get a job, a bank account, any tax credits (child tax, etc), you can't register a business, etc.

I think it would be easier to not have the card. DH did not know you are not supposed to carry it with you all the time and had it in his wallet with all his other id. Not a good idea.

After having to put my SIN on every student loan form for years (old school no electronic apps) I have mine memorized.

I current work for CRA and it amazes me when people don't know their SIN.

Also, the American version is SS number.

You'll still have a SIN #, but you won't get the plastic card is all. Before I even left the hospital with my babies we had filled out the paperwork for SIN numbers and both kids have the plastic card. Though, I have my own # memorized and have so like my whole life! I think it's the ID # I know best! I have no issue with the govt doing away with the cards.

To the second bolded, I was always told to NOT keep my SIN card in my wallet. If my wallet was stolen anyone could pull major identity theft with that number. It's worse than losing your credits cards or driver's license. I keep my SIN card and Canadian citizenship card at home (I wasn't born in Canada).

ange84's picture
Offline
Last seen: 1 year 8 months ago
Joined: 12/28/09
Posts: 6564

Sounds a bit like our tax file numbers which they just send out in a letter. I applied for one at 14 when I started my first job and have no idea what it is because it's not something I use often. At least a letter people are less likely to carry around than a card though so I can see a possibility of lessening the chance of identity theft in some cases

Spacers's picture
Offline
Last seen: 11 months 21 hours ago
Joined: 12/29/03
Posts: 4104

"kris_w" wrote:

I have some conspiracy theory/off the grid-ish friends who are trying to disassociate themselves from their SIN numbers and don't get them for their kids. He works for himself, they don't use any social benefits, and can open a bank account (it is a tedious process though). It is possible, but far from easy.

So he's not paying taxes on his income? Sounds pretty illegal to me.

I'm cool with not having a card, I don't think we have one for Weston. They wanted to charge me $10 for the card, or the guy said he could give me a printout with the number for free, so I took the printout. And I remember the first year I added Tiven on my tax return and the instructions said to include a copy of her SSN card, but the SSN card says, "Not valid for identification if not signed," and it wasn't signed since she was only 7 months old so it wasn't valid as ID anyway. :roll:

mom2robbie's picture
Offline
Last seen: 2 years 1 month ago
Joined: 01/20/07
Posts: 2541

"Spacers" wrote:

So he's not paying taxes on his income? Sounds pretty illegal to me.

It is illegal and the fines are heavy - $ and jail time.

mom2robbie's picture
Offline
Last seen: 2 years 1 month ago
Joined: 01/20/07
Posts: 2541

"Claire'sMommy" wrote:

You'll still have a SIN #, but you won't get the plastic card is all. Before I even left the hospital with my babies we had filled out the paperwork for SIN numbers and both kids have the plastic card. Though, I have my own # memorized and have so like my whole life! I think it's the ID # I know best! I have no issue with the govt doing away with the cards.

The post I was replying to was wanting to know if there was the possibility of not having a SIN at all.

To the second bolded, I was always told to NOT keep my SIN card in my wallet. If my wallet was stolen anyone could pull major identity theft with that number. It's worse than losing your credits cards or driver's license. I keep my SIN card and Canadian citizenship card at home (I wasn't born in Canada).

I was told that too. Apparently DH was not and I finally showed him on the government website where it says not to carry it. Pretty much only need to show it to your employer - and working for the CRA I didn't need to show mine, just needed the number.

All of our cards are now in a fire safe with our birth certificates, marriage certificate etc.

mom2robbie's picture
Offline
Last seen: 2 years 1 month ago
Joined: 01/20/07
Posts: 2541

"blather" wrote:

Yes, they need to pay for all those fighter jets and Peter MacKay's helicopter flights somehow.

How about health care, education, roads and all the other things our taxes go to?

Offline
Last seen: 1 year 8 months ago
Joined: 03/14/09
Posts: 624

"mom2robbie" wrote:

How about health care, education, roads and all the other things our taxes go to?

Those are paid with taxes. It's only now that they have all those war toys that they need to do things like cut environmental assessments to pay for the big toys.