Employee Payroll Deductions: Fill & Download for Free

An accomplishment of the modern state is that, through sales taxes and payroll deductions, it turns each merchant and each employer into a tax collector. (At some point in your life you might even be a tax collector.)In this way, the state relies on uncompensated labor from others to do their work, a huge mandated compliance cost for businesses. As a result, I’ve never met an IRS employee.

Not me, but a co-worker. The majority of employees at my hospital belonged to the same credit union. We could use payroll deductions to pay back loans for things like cars. You can see where this is going.My co-worker, let’s call her N, had picked out her car. She went down to the credit union to sign in the paper work, and her loan officer struck up a conversation about the car she had chosen.This loan officer went on and on about how she had looked at that model of vehicle, but she had then decided to buy a different car, because of this and that.She spent the entire 15–20 minutes of signing critiquing N’s choice and was not really paying much attention to what she was doing. When all this was over, she gave N her check for the dealership, and N walked out furious.The first payment was supposed to come out the following month as a payroll deduction. N checked her paycheck, but there was no deduction. She contacted the credit union and explained that there was no deduction from her check. The customer service rep explained that they couldn’t see a loan that required a deduction. N grabbed her loan documentation and read the numbers off to the CSR. When they looked up the loan, they found that it had been marked as paid off in the system. The CSR transferred N to another department. When that person came into the phone they stated they understood the situation as explained by the CSR. This new rep stated that they would get the title sent out immediately!N tried to explain to the credit union multiple times over the next few months that she had never paid for this car nor any loan payments, but since the system was marked as paid, they couldn’t do anything to help her. The only thing they could do was to get another title issued to N.And that is how my co-worker ended up getting a brand-new car for free. Her only regret: she wished she had bought a more expensive car.

I live in Canada. We have a single-payer health care system, partially funded by mandatory payroll deductions split between employers and employees and partially funded by taxes.Technically, we actually have about a dozen systems, because health care is run by the provinces, but they are all more or less the same. There is one system per province, with one pool of money per province. Some of that pool comes from taxes paid by workers in the province, some of that pool comes from taxes paid by employers in that province, and the remainder comes from a combination of provincial and federal budgets. The federal component is known as a “health transfer payment”, and is used so that rich provinces subsidize poor provinces.Anyhow…In my province of Ontario, to use an example, an adult will pay an average of about $750 per year ($60 if you make minimum wage, $900 if you earn $200K+) and their employer about the same (but only if you have over about 10 employees, so small businesses are exempt), and that will provide full lifetime coverage for them and all of their dependent children. The remaining $4500 per year contribution to the pool comes from the federal and provincial government. Every single resident of Ontario is covered by the plan, from birth to death. There are no fees, “copays”, deductibles or any nonsense like that, you just go to any hospital or doctor in the country and show your health card:As for switching to the American “system”, not just “No” but “No fucking way, not ever.” The American health care system is a shambolic piece of crap.For details see Ontario Health Insurance Plan - Wikipedia