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Why Should I Get a SIN Number for My Child?

A Social Insurance Number (SIN) is essential for accessing government programs, benefits, and tax-related processes. Getting a SIN for your child ensures they can take advantage of these opportunities as they grow.

Arani Tharmalingam avatar
Written by Arani Tharmalingam
Updated over 11 months ago

Why Your Child Needs a SIN

  • To Open a Registered Education Savings Plan (RESP)

    • A SIN is required to set up an RESP, which allows you to save for your child’s post-secondary education while benefiting from government grants and tax-deferred growth.

  • To Access Government Benefits

    • Programs like the Canada Child Benefit (CCB) and other federal or provincial benefits may require a SIN to confirm eligibility.

  • For Tax Purposes

    • If your child earns income (e.g., part-time jobs or scholarships) in the future, they’ll need a SIN to file taxes and report earnings.

  • To Start Building Credit

    • A SIN is essential if your child needs to open a bank account or obtain a loan when they are older.

How to Apply for a SIN for Your Child

  • Online: Submit an application through the Service Canada website and upload required documents.

  • In Person: Visit a Service Canada Centre with your child’s original birth certificate or proof of birth and your identification.

Why This Matters

Getting a SIN for your child early ensures they can access education savings, government benefits, and tax opportunities as they grow. It’s a simple step that helps set them up for financial success.

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