Settlement Services

A Social Insurance Number (SIN) is a 9-digit number that you need to work and be paid in Canada and access government programs and benefits. It is also used to file taxes.
(*If you are not eligible for a SIN, you can apply for an Individual Tax Number (ITN) for tax purposes.)
You are responsible for protecting your SIN. Ensure that you store documents containing your SIN and personal information in a safe place. For more information about protecting your SIN.
* International students get a SIN starting with the number ‘9,’ which lets employers know that you are a temporary resident in Canada.

You can apply for a SIN in person at a Service Canada Office. Your SIN will be issued the day you apply.
1 . A valid original primary document to prove your identity and legal status in Canada. A primary document can be:
Document needed:
# A Work Permit issued by Immigration, Refugees and Citizenship Canada (IRCC)
# A Study Permit issued by Immigration, Refugees and Citizenship Canada (IRCC)
2 . A valid original secondary document to confirm your identity. A secondary document can be:
# A passport (Canadian or foreign)
# A provincial or territorial ID card or driver’s license
# Any other government-issued ID

Expiry date of the SIN is based on the permit that authorizes you to work in Canada. Each time you extend your study or work permits and you want to continue working or file your taxes, you have to renew you SIN with the new or renewed permits.

The opportunity to own a home in Canada seems attractive because you are not need to be a resident. If you spend six months a year residing in Canada, you are permitted to invest in real estate even if you are not a citizen. Many people travel to Canada because of its open-door policy in order to create a better future. If you're thinking of purchasing a house or a property in Canada, take the following actions to complete the transaction:

Purchasing and keeping a home or an investment property is an enormous commitment that you cannot ignore. You should evaluate your financial status before considering whether to buy a home. You should be aware of your financial condition as you will be in charge of handling additional bills and regular payments. Both your present earnings and your financial situation in the future are important factors. Due in large part to the low maintenance costs, renting sometimes appears like a better idea. Renting a property rather than buying one also avoids the need for a long-term commitment. On top of that, you'll be spending less each month.

Once you figure out your financial parameters right at the start of the process, deciding upon your place of residence will be simpler. The most suitable moment to accomplish this is prior to start your search for property. Be careful of being overly optimistic while planning your budget, and take all expenses into account. Always keep in mind that an adequate down payment should be reserved. Always remember to also pay your property tax and home insurance. You may create a reasonable spending plan after taking all of these costs into account. You should also improve yourself on your various mortgage alternatives. You may raise your budget with suitable financing. But understand that you shall ultimately need to pay off your mortgage in full. Select a mortgage option that offers a reasonable rate as a result; to be qualified for a decent financing option, you must have a solid credit history.

When you are aware of your budget range, it is time to make decisions on the ideal location. First and foremost, assess your lifestyle and priorities. Are you seeking a bustling urban environment or a serene rural retreat? Each province offers unique benefits, from the vibrant city life of Toronto to the breathtaking landscapes of British Columbia.Consider the climate, as Canada experiences a wide range of temperatures throughout the year. If you enjoy outdoor activities, proximity to parks, lakes, or mountains may be crucial. Additionally, research local amenities, such as schools, healthcare facilities, and shopping centers.In order to get an knowledge regarding the community's culture, safety, and general quality of life, use internet resources or consultants. You may locate the ideal place to call home in Canada's varied and stunning nation with some diligent investigation.

Your experience with the home-buying process in Canada is heavily influenced by the realtor you select. Hiring a real estate agent is a smart decision when navigating the complex process of buying a home. Their market expertise, extensive network, and negotiation skills are invaluable assets. With their help, you can find suitable properties that align with your needs and budget, while also receiving guidance and support throughout the transaction. Real estate agents have access to resources and tools that provide you with valuable information, ensuring informed decision-making. A realtor who is merely concerned with completing a sale could coerce you to spend money on a property that does not fulfill the requirements you have. You might consider including a lawyer in your house-hunting team, in addition to a reputed realtor. A lawyer can assist you with determining the tax status of the property, since you have to make sure that there are no past due taxes on the property. Moreover, your lawyer can conduct additional investigation and give you the green light on buying a property.

You need to know exactly where you want to live and how large or tiny the house should be from the beginning. Additionally, to ensure that they can assist you in finding the right house, you should discuss your dream property with your agent. However, before making a choice, you should probably look at one or more houses if you locate the perfect property but feel that the neighbourhood is not what you had anticipated. You'll find it simpler to choose a single property if you make a checklist for your house-hunting procedure.

You are prepared to make an offer if you and your realtor have chosen a house and your attorney has approved your purchase of the property. The offer to the seller will be created by the realtor, who will also prepare a contract describing the key terms of the transaction. Conditional additions, price, deposit, and closing date are a few important factors to consider. Your offer can be either accepted or rejected by the seller. The house you're thinking about purchasing should, however, pass a professional home inspection test before any of this happens, therefore you should contact home inspection services to do this.

The deal becomes finalized on the day you take physical possession of your house. You will have to sign all the necessary papers, and you'll probably need to meet at your attorney's office to complete everything. The seller will be paid by your attorney, who will also register the home in your name. You then get the house's title and the keys to it. Once the process is over, you and your family feel ready to move into the house of your dreams. Owning a house is the most satisfying feeling in the world, and you can now decorate and entertain guests in the place of your choice. You must take care of a few issues before you can move in. These include providing notice to your former landlord (if required) and, if necessary, changing your address. Choosing a move-in date and hiring movers who can assist you in settling into your new home.

The Canada child benefit (CCB) is a non‑taxable amount paid monthly to help eligible families with the cost of raising children under 18 years of age. The CCB may include an additional amount for the child disability benefit. By applying for the CCB, you also register your children for the goods and services tax/harmonized sales tax (GST/HST) credit, climate action incentive payment (CAIP), and any related federal, provincial, territorial programs administered by the CRA.

Eligibility Criteria

To get the CCB, you must meet all of the following conditions:

# You must live with the child, and the child must be under 18 years of age.


# You must be the person primarily responsible for the care and upbringing of the child.


# You must be a resident of Canada for tax purposes. We consider you to be a resident of Canada when you establish sufficient residential ties in Canada. For more information, see Income Tax Folio S5-F1-C1, Determining an Individual's Residence Status.


You or your spouse or common-law partner must be any of the following:

• * a Canadian Citizen
• * a permanent resident (as defined in the Immigration and Refugee Protection Act)
• * a protected person (as defined in the Immigration and Refugee Protection Act)
• * a temporary resident (as defined in the Immigration and Refugee Protection Act) who has lived in Canada throughout the previous 18 months, and who has a valid permit in the 19th month (do not apply before the 19th month)
• an individual registered or entitled to be registered under the Indian Act

Circumstances in which you should apply

The person who is primarily responsible for the care and upbringing of the child should apply for the CCB. You should apply even if any of the following situations apply:The person who is primarily responsible for the care and upbringing of the child should apply for the CCB. You should apply even if any of the following situations apply:

• # your child only lives with you part of the time
• # your current adjusted family net income is too high. We calculate your amount every July based on your adjusted family net income for the previous year
• # your child is living with you for a determined temporary period of time of at least one month, for example over the summer holidays
• # you care for a child under a kinship or close relationship program and you otherwise meet all the CCB eligibility criteria

When you should apply

• * your child is born
• * a child starts to live with you
• * you begin a new shared custody arrangement
• * you or your spouse or common-law partner meet the eligibility conditions under Eligibility criteria.

Employment Insurance: A Safety Net for Workers

Employment Insurance (EI) is a vital program in Canada designed to provide temporary financial assistance to individuals who have lost their jobs or are unable to work due to various reasons. Managed by the Government of Canada, EI offers support to eligible workers during periods of unemployment, maternity or parental leave, illness, or compassionate care.

To qualify for EI benefits, certain criteria must be met. Firstly, applicants must have worked a specified number of hours in insurable employment within the last year. The specific hours required may vary based on the region and the individual's employment situation. Additionally, individuals must have lost their job through no fault of their own, such as due to layoff or shortage of work. The duration and amount of EI benefits vary depending on the individual's circumstances. Generally, recipients can receive benefits for a maximum of 45 weeks, with the weekly benefit rate calculated based on their previous earnings. The aim is to provide a partial income replacement to help individuals meet their basic needs while actively seeking employment.

EI benefits extend beyond traditional unemployment support. Maternity and parental benefits provide financial assistance to new parents, allowing them to take time off work to care for their newborn or newly adopted child. Sickness benefits offer temporary income support to individuals unable to work due to illness or injury. Compassionate care benefits are available to those who must take time off work to care for a gravely ill family member with a significant risk of death. Applying for EI benefits can be done online through the government's official website or by visiting a Service Canada Centre. It is important to apply as soon as possible after becoming unemployed, as there is a waiting period before benefits begin.

The Employment Insurance program plays a crucial role in safeguarding the financial well-being of Canadian workers during challenging times.It provides a safety net, helping individuals and families navigate periods of unemployment or other circumstances that impact their ability to earn an income. By offering temporary financial support and promoting re-employment, EI assists in maintaining stability and resilience within the Canadian workforce.

Exploring Job Vacancies and Offers in Canada: A Land of Opportunities

Canada, known for its breathtaking landscapes, vibrant multiculturalism, and strong economy, offers a plethora of job vacancies and career opportunities for both its residents and international job seekers. With a diverse range of industries and a robust job market, Canada has emerged as an attractive destination for professionals seeking growth, stability, and a high quality of life.

Thriving Industries and In-Demand Jobs:
An array of industries that regularly provide employment opportunities make up Canada's broad and dynamic economy. Cities like Toronto, Vancouver,and Montreal are developing as significant tech centres and the technology sector is flourishing. As businesses work to innovate and alter to the digital world, there is an enormous demand for job seekers with experience in software development, data analysis, artificial intelligence, and cyber security. Another industry that is growing quickly is the healthcare sector. There are many more job opportunities for physicians, nurses, medical researchers, and caretakers as a result of Canada's ageing population and the demand for qualified healthcare personnel. An increase in construction, engineering, and infrastructure development is also being observed as a result of significant urbanisation initiatives across the nation, providing employment possibilities for architects, engineers, project managers, and skilled tradesmen.

Finding Job Vacancies:
Numerous resources may be used to research employment opportunities in Canada. With the ability to search by industry, region, and experience level, \online job portals like Indeed, LinkedIn, and Glassdoor provide a wide range of opportunities. Various industry-specific websites also focus on particular fields, like as government employment (employment.gc.ca) or IT jobs (Dice, Techvibes).As many positions are filled through personal connections, networking plays a vital role in the job searching process. Insightful information and possible employment leads can be obtained by developing professional connections through industry events, online groups, and LinkedIn. For contacting businesses and learning about open positions, Canadian job fairs, career expos, and recruiting agencies are also useful resources.

Visa Requirements and Work Permits:
The regulations for immigration and work permits in Canada should be understood by anybody seeking employment there. The Canadian Express Entry system, which enables foreign professionals with in-demand talents to apply for permanent residency, is the most popular work visa for skilled employees. Employers can also use the Temporary Foreign Worker Programme (TFWP) to hire foreign employees for open positions that cannot be filled by Canadian citizens or permanent residents.Another option to think about is the Provincial Nominee Programme (PNP), which enables particular provinces and territories to propose people for permanent residency who have the necessary qualifications and work experience. To keep abreast of the most recent immigration regulations and processes, it's crucial to conduct research and check official Canadian government websites, such as Immigration, Refugees and Citizenship Canada (IRCC).

Canada's job market offers an abundance of opportunities for both its residents and international job seekers. With a thriving tech sector, a growing healthcare industry, and extensive infrastructure development, Canada caters to professionals from diverse backgrounds. Utilizing online job portals, networking, and attending job fairs can help job seekers identify vacancies and connect with potential employers.However, it is crucial to navigate the immigration process and understand the visa requirements to work legally in Canada. Staying informed about the latest policies and utilizing the resources provided by the Canadian government ensures a smooth transition for international job seekers.With its stable economy, emphasis on work-life balance, and diverse cultural landscape, Canada continues to attract individuals seeking rewarding careers and a high standard of living. Whether you are a recent graduate, a seasoned professional, or an international job seeker, Canada's job market holds vast potential, inviting you to embark on a fulfilling professional journey in the Great White North.

Test of English as a Foreign Language (TOEFL) is a standardized test to measure the English language ability of non-native speakers wishing to enroll in English-speaking universities. The test is accepted by more than 11,000 universities and other institutions in over 190 countries and territories. TOEFL is one of several major English-language tests worldwide, including IELTS, Cambridge Assessment English, and Trinity College London exams. TOEFL is a trademark of the Educational Testing Service (ETS), a private non-profit organization, which designs and administers the tests. ETS issues official score reports which are sent independently to institutions and are valid for two years following the test.

Test of English as a Foreign Language (TOEFL) is a standardized test to measure the English language ability of non-native speakers wishing to enroll in English-speaking universities. The test is accepted by more than 11,000 universities and other institutions in over 190 countries and territories. TOEFL is one of several major English-language tests worldwide, including IELTS, Cambridge Assessment English, and Trinity College London exams. TOEFL is a trademark of the Educational Testing Service (ETS), a private non-profit organization, which designs and administers the tests. ETS issues official score reports which are sent independently to institutions and are valid for two years following the test.