Post # 1
My son has a social security number now, and I have the card tucked away. When I went in for his appointment at the clinic I was ready to give his social to the receptionist and she said, “I don’t need it. And just a word of advice never give out your child’s social for anything. As the parent, there should be no reason why anyone ever needs your child’s social until they are 18.” She was really nice about it, but I was kind of taken aback. Are you really not supposed to give our your child’s social number ever? My mom always gave ours to the clinic when we were young.
I guess I wonder because we will be doing life insurnace and a college account for our son next week, and because it deals with financials, what if they need his social? Do I give it or not, and will that have any bearing on approval for anything if I deny giving it?
Post # 2
From what I understand, its illegal for anybody to ask for a ssn, unless it’s for tax reasons. somebody correct me if I’m wrong.
Post # 3
megz06: SSN’s and SIN’s in Canada, used to be routinely used for ID. But both countries have since passed legislation prohibiting unnnecessary use to prevent identity theft.
Post # 4
I needed DD’s SSN to set up a state college fund for her, but I’ve never needed it any other time and don’t expect to. DH’s SSN, on the other hand, I know better than my own. Because Army.
Post # 5
julies1949: Thank you for the article. So it sounds like my SSN would be required since we are dealing with financials and what not. Now I just have to figure out if it is necessary that they ask for a child’s, even if it is for a life insurance policy for him.
Post # 6
iarebridezilla: So maybe I will in fact need it depending on the type of college fund we set up for him.
Post # 7
makes sense. can be used for identity theft. keep it in a safe deposit box. i work in finance and people come to open their first bank or investment acct even credit card and they get denied due to a record on chexsystem or one of the credit bureaus because a parent or stranger opened accounts, bills and credit cards in their names.
Post # 8
megz06: Yeah for life insurance you might need it and to set up a college fund. I used it to set up my life insurance with my kid as the beneficiary but for a regular doctore’s appointment I would never think to give it. Actually,that would raise red flags for me.
Post # 9
Actually you should never give your or your child’s social security number to a medical provider. It’s absolutely unneccessary for them to bill your insurance, and that is why you have a member ID. I’ve read some pretty scary things about fraudulent medical charges due to this. I know they all ask for it but frankly your SSN is none of their business.
I”m sure there ARE other situations though where his SSN is necessary.
Post # 10
We needed it to set up his savings account with our bank, but we needed to give ours when we did to.
Post # 11
I was under the impression that a lot of doctor’s offices required it as a way to prevent insurance fraud.
Post # 12
megz06: We needed it on DD passport application but other than that and financial things like setting up a college fund, trust account, etc, I don’t think we’ll need to give it out. She already has her own medical record number and insurance card for doctors visits.
Post # 13
I’ve never been asked for mine when setting up accounts, but maybe the bank or your area has different regulations for that. I would definitely keep it safe and only give it out when absolutely necessary. I wouldn’t be too worried aabout giving it to a financial institution if it is well known and everything, but that’s about it. My mom’s friend’s SSN got stolen when she was 1-2 years old. Of course you don’t think to pull credit reports on your toddler, so when she turned 18 and realized she didn’t qualify for even the crappiest CCs she pulled her credit report and found out about all of this stuff that was done in her name.
Post # 14
Some prescription insurances use the member’s SSN as their ID number. I hate this :/
Just a thought.
Post # 15
My bank will need my daughter’s SIN (Canadian version of the SSN) in order to set up her RESP (college fund), but I’ve never had to provide my SIN to anyone other than the government or my employer.