How Do Benefits Work And How Can I Qualify
While you work, you pay Social Security taxes. This tax money goes into a trust fund that pays benefits to:
Those who are currently retired
To people with disabilities
To the surviving spouses and children of workers who have died
Each year you work, youll get credits to help you become eligible for benefits when its time for you to retire. Find all the benefits Social Security Administration offers.
There are four main types of benefits that the SSA offers:
Learn about earning limits if you plan to work while receiving Social Security benefits
Here’s Where To Get More Information On Social Security Numbers
Identity Theft: If you think an identity thief is using your SSN to work or to collect benefits, call the Social Security Fraud Hotline at 1-800-269-0271. If you think someone may be using your SSN to work, check your Social Security Personal Earnings and Benefit Statement. You can get a copy by calling 1-800-772-1213, or online at www.ssa.gov/online/ssa-7004.pdf. Also see the Social Security Administration’s booklet “Identity Theft and Your Social Security Number,” at www.ssa.gov/pubs/10064.html.
History of SSNs: For a chronology of the laws relating to SSNs, see www.ssa.gov/history/ssn/ssnchron.html.
What the Numbers Mean: For an explanation of the meaning of the numbers in SSNs and answers to other questions about SSNs, see www.ssa.gov/ssnumber/.
More on Protecting your SSN: “Fact Sheet 10: My Social Security Number: How Secure Is It?” from the Privacy Rights Clearinghouse, at www.privacyrights.org.
Recommended Practices: For recommendations on how organizations can protect privacy in their handling of SSNs, see Recommended Practices for Protecting the Confidentiality of Social Security Numbers on the Business page at www.privacy.ca.gov.
Social Security Numbers And Drivers Licenses
Many states require that you or your dependent have an SSN or have already applied for one before you apply for a driver’s license. In these states, if you or your dependents are not eligible to work but want to apply for a driver’s license, you must first apply for an SSN at the local SSA office and receive a Form SSA-L676, “Refusal to Process SSN Application.” To learn more, visit our Driving in the States page and talk with your DSO.
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You May Be Able To Apply For A Replacement Card Online
You can use a to apply for a replacement Social Security card online if you:
- Are a U.S. citizen age 18 or older with a U.S. mailing address
- Are not requesting a name change or any other change to your card and
- Have a drivers license or state-issued identification card from one of the many participating states or the District of Columbia.
If your drivers license or state-issued identification card was issued by one of the states listed below, this service is not yet available. If your state appears on this list, please check back. We are working to make this service available to additional states.
- West Virginia
This service is also not yet available if your drivers license or identification card was issued by a U.S. territory .
If you are a U.S. citizen, and have not gotten a replacement Social Security card or name change recently, you may not be eligible to use the online replacement card application inmySocial Security.
If you dont have a mySocial Security account, you can create one today. To set up your account, go to:
If you do not qualify to apply online for a card, please follow the instructions in the next section.
Earn Ssa Work Credits In Some Countries
You may not have enough credits from your work in the United States to qualify for retirement benefits. But, you may be able to count your work credits from another country. The SSA has agreements with 24 countries. If you earned credits in one of those countries, they can help you qualify for U.S. benefits.
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Someone May Be Using Your Ssn
People can use your Social Security Number to access bank accounts, open new accounts, and more. If this is happening it may go undetected.
A lot of times there are indications that something is amiss. These are the top five signs your information has been compromised.
Where Can I Find My Social Security Number
A Social Security number is a nine-digit number that is generally issued to U.S. citizens, lawful permanent residents, and certain nonimmigrants. The Social Security Administration issues the number to track individuals employment for Social Security benefits. However, over time, the SSN has become a de facto national identification number for taxation and other purposes. Its also a common component on U.S. Citizenship and Immigration Services forms.
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What Can Someone Do With My Social Security Number
Once your personal details have been discovered, thieves can either sell your identity to others or take advantage of services in your name. They can access medical care, file fraudulent tax returns, steal benefits, commit crimes, and open accounts in your name, all with your social security number.
The Purpose Of Having A Social Security Number
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A Social Security number is a nine-digit number that the U.S. government issues to all U.S. citizens and eligible U.S. residents who apply for one. The government uses this number to keep track of your lifetime earnings and the number of years worked.
When the time comes to retire, or if you ever need to receive Social Security disability income, the government uses the information about your contributions to Social Security to determine your eligibility and calculate your benefit payments. Most people will use the same Social Security number their entire lives, though some people might need to apply for a replacement number at some point because of identity theft.
Keep reading below to find out more about when and why you need a Social Security number as well as when you should avoid using it.
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Do I Have To Give Out My Sin
You must give it to anyone who prepares information slips for you. Each time you do not give it when you are supposed to, you may have to pay a $100 penalty which is levied by the CRA. For this reason, it is important that if you receive any of these information slips that you check over the information on the slips, and if your SIN is missing or is incorrect, inform the slip preparer.
Your SIN is also used by the CRA when you make enquiries about your Income Tax, benefits such as the GST/HST Credit, Canada Child Benefit and other Government programs such as Employment Insurance , Canada Pension Plan , etc.
However, with the recent number of scams and fraudulent activity surrounding the CRA and identity theft, taxpayers should be vigilant when they receive, either by telephone, mail, text message or email, a fraudulent communication that claims to be from the Canada Revenue Agency requesting personal information such as a Social Insurance Number. More information on recognizing a scam and protecting yourself against fraud can be found here.
A complete list of who can ask for your SIN, as well as when you dont have to provide your SIN, can be found in this CRA document.
With more than 20 years experience helping Canadians file their taxes confidently and get all the money they deserve, TurboTax products, including TurboTax Free, are available at www.turbotax.ca.
Protect Yourself From Identity Theft And Scams
It is important that you protect your Social Security number as criminals can use this information to pretend to be you . Do not carry your Social Security card or your Social Security number with you. Once you receive your card, memorize your number and store the card in a secure place.
Do not tell others your SSN unless it is absolutely required. You can learn more on our Safety webpage.
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When And Why You Need A Social Security Number
Anytime you get hired for a new job, your employer will ask for your Social Security number. Your employers accounting department will use this number to report your income to the Internal Revenue Service and to report your Social Security wages to the Social Security Administration.
Your employer will also use it for state income tax reporting unless your state doesnt have an income tax. Employers who participate in E-Verify, a program to make sure employees can legally work in the United States, also must obtain your Social Security number before you can begin work.
Below are some other common scenarios where youll need to provide your Social Security number.
Sign Up For Identity Protection
Another big thing that you are going to be able to do to help prevent yourself from becoming a victim is by signing up for identity protection. By signing up for various different kinds of identity protection services, you will be able to get complete security protection. These services are typically going to allow you to figure out whether or not someone is improperly using your social security number because they will alert you to any new sign-ups using your social security number. They will be able to tell you whether or not there have been new accounts opened using your number which is going to allow you to actively monitor your new account openings.
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Obtaining A Social Security Number
The Social Security Administration assigns nine-digit Social Security numbers to U.S. citizens, permanent residents and eligible nonimmigrant workers in the United States. SSA uses SSNs to report wages to the government, track Social Security benefits and for other identification purposes. Every F and M student who U.S. Citizenship and Immigration Services grants employment authorization to needs an SSN.
Please note: If an F or M student is ineligible to receive an SSN, but receives non-wage income while in the United States , they must apply for an Individual Taxpayer Identification Number . For more information, please visit our What is an ITIN? resource page.
What If Someone Steals My Social Security Number
All of this is of course very interesting, but lets bring it back to the point of this article: what if some bad guy steals, obtains, guesses at, or otherwise gets hold of your Social Security Number? As it happens, all kinds of bad things!
Because you have to have a Social Security Number to get a job in the United States , crooks are very fond of stealing SSNs specifically for the purpose of selling them to people who do not already have permission to work in the United States, so that those people can get a job.
Nothing is wrong with people getting jobs, of course, but if they are using your Social Security Number, it can cause untold confusion and issues with your taxes and your Social Security benefits. You could even LOSE your Social Security benefits and that can be hundreds of thousands of dollars.
As you can see, it is very important for you to be able to tell whether someone is using your Social Security Number without your permission. In this article, I will show you several methods of detecting whether your Social Security Number has been compromised.
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Password Reset Emails In Your Inbox
If you begin receiving mysterious password reset emails, then this could signal a problem. This could be a sign that someone is attempting to change the password to your accounts without your knowledge. Never click on the links in these emails. It could be a phishing scam designed to capture your SSN or other sensitive information. If the email is from an account or company you recognize, then you should log on directly to their website and change your password immediately. If someone has gained access to your account, then changing your password should keep them out going forward.
Why Should I Verify Names And Ssns Online
- Correct names and SSNs on W-2 wage reports are the keys to the successful processing of your annual wage report submission.
- It’s faster and easier to use than submitting your requests paper listings or using Social Security’s telephone verification option.
- Results in more accurate wage reports.
- Saves processing costs and reduces the number of W-2c’s.
- Allows Social Security to give the proper credit to your employees’ earnings record, which will be important information in determining their Social Security benefits in the future.
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What Is A Phishing Scam
A phishing scam is performed either over the phone or through email. The scammer attempts to fish for your personal information. They do this by tricking you into believing the communication is from a trusted source. For example, they might send an email that appears to be from your bank asking you to verify your SSN or account number. If you send this information, the scammer will have access to it and can use it for improper purposes. If you get any suspicious calls or emails, you should not respond to them. Instead, contact your financial institution directly to determine whether it is a valid communication.
Lost Or Stolen Federal Payments
Report your lost, missing, or stolen federal check to the agency that issued the payment. It’s usually one of these paying agencies. If your documentation indicates it’s a different agency, and you need its contact information, look in the A-Z Index of U.S. Government Departments and Agencies.
To get an update on your claim, contact the Treasury Department Philadelphia Financial Center at 1-855-868-0151, option 1.
What Can I Do To Protect My Social Security Number
There are a few things you can do to keep your personal information and identity safe. Keep all important documents, whether physical copies or digital, private and protected. Any record of your social security number online should be password protected. Take cyber safety steps such as having a good antivirus and malware software installed on your computer to ensure you do not fall victim to hackers. Advanced technology has been consistently abused and thats why you must protect your identity as much as you can.
If you notice suspicious activity, report it immediately to the relevant government agencies. The Social Security Administration and Federal Trade Commission are good places to start. You should also file a police report. Another thing you can do is freeze your credit with major credit bureaus. This stops your credit cards from being accessible to lenders and prevents new accounts from being opened in your name.
If you suspect your social security number has been leaked or compromised, contact the fraud department of the company involved with the breach. You can protect yourself from these attacks with identity theft protection programs like Identity Guard and LifeLock and weight the pros and cons so you can decide which one to get.
Why Do You Need One
A Social Security number is important because you need it to get a job, collect Social Security benefits and get some other government services. You should keep your Social Security card in a safe place with your other important papers and avoid giving it out unnecessarily. Keep in mind that in many cases, even if you lost your card, you may not need a replacement. In most cases, simply knowing your Social Security number is enough. But if you do need a replacement, we make it easy.
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Verifying Social Security Numbers For Employers
Go to the government’s Social Security Number Verification Service website: http://www.ssa.gov/employer/ssnv.htm. This is much easier than using Social Security’s telephone or mail verification systems.
Register for the Social Security Number Verification Service. Use the hyperlink at the bottom of the webpage to access the registration form.
Log in to the site after you have registered and request an access and activation code
Obtain the activation code through the mail, and log in to the website to use it. You are now ready to verify Social Security numbers for new employees or payroll databases by following the instructions provided on the website.
If you are not an employer, you can connect a person’s Social Security number to his name by running a credit report on him. For this, you will need the person’s signature. Be wary of online verification services that charge a fee. If you have a legitimate reason to verify a person’s Social Security number, you can do it without paying this type of company.
If you do not have a valid reason and/or permission to verify a Social Security number, you can be prosecuted for attempting to obtain this kind of sensitive information. You can be prosecuted for attempting to use another person’s Social Security number as your own.
Can You Check Your Credit Score Without A Social Security Number
Through April 20, 2022, Experian, TransUnion and Equifax will offer all U.S. consumers free weekly credit reports through AnnualCreditReport.com to help you protect your financial health during the sudden and unprecedented hardship caused by COVID-19.
In this article:
A Social Security number is helpful when compiling your credit history because it is the only identifier uniquely assigned to each U.S. consumer. Experian will ask for it when you order your own credit report to help ensure that we provide you a complete and accurate report. If you don’t have an SSN, however, Experian will rely on other identification elements to compile your credit history.
In addition to your Social Security number, Experian asks for other identifying information, including your name, addresses for the past two years and your date of birth. This is used to access the credit history information provided to us by your lenders so we can deliver your credit report.
While it’s possible to have a credit report and credit score even if you don’t have an SSN, providing your full identification information is key to ensuring that the report you receive is accurate and complete.
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