Iindleko zokufaneleka zizo iindleko ezithi i-IRS ungayihlawula ngokusebenzisa i-akhawunti yokuchithwa kwe-flexible (FSA) okanye i-Akhawunti ye-Savings Health (HSA). Uluhlu lweendleko ezifanelekileyo zibandakanya kakhulu iindleko zezempilo kunye nezokwelapha, nangona kukho ezinye iinketho ezifana nezindleko zengqesho ezingasetyenziswa kunye neFSA. (Akwajongwanga apha.)
Ukuba umqeshi wakho unokuvumela ukuba ulahle imali ethile kwi- akhawunti yokuchithwa kwemali , unokukugcina i-bucks enkulu kwiirhafu zakho zerhafu xa nje unokuqonda ngokucacileyo oko i-IRS ibona "yindleko ezifanelekileyo."
Ukuba usebenzisa i- Akhawunti ye-Savings Health ngokubambisana nesicwangciso se-inshurensi yezempilo ephezulu , unokugcina imali ngokuchitha imali yakho ye-HSA kulezi zindleko ezifanelekileyo kuba imali yakho ye-HSA iya kugcinwa ngaphambi kokuba uyihlawule irhafu kubo.
Khangela uluhlu lwezinto ezifanelekileyo zeFSA ezivela kwi-IRS, kodwa uqaphele ukuba kukuguqulelwa kwoluhlu, kwaye oko kuphelelwa luhlu, okuza kukunceda kakhulu ukuba ukwandise ukusebenzisa kwakho imali oyibeke eceleni, ngaloo ndlela ugcine ngokwakho imali yerhafu.
Ngezantsi imimiselo yeendleko onokungazi ukuba zifanele iindleko zonyango.
Zi yobisi
Naluphi na uchithe ngaphandle kwe-pocket kwimithi yonyango (ayihlawulwanga yinshurensi yakho) ungayisebenzisa njengendleko efanelekileyo ye-HSA okanye ye-FSA.
Kodwa qaphela: ekuqaleni komhla werhafu 2011, izidakamizwa ezingaphezu kwee-counter ayengasakwazi ukuhlawulelwa yi-FSAs okanye ii-HSAs. Kufuneka ufunde malunga (kunye neqhinga lokusebenza malunga nalo) iindleko zonyango ezingafanelekanga .
Ukuba uya kuza ngasekupheleni konyaka kwaye ube nemali engaphezulu yeFSA ukuyisebenzisa, buze ugqirha wakho ukuba abhale imiyalelo yakho yonyaka ozayo malunga naluphi na iziyobisi ozithatha rhoqo, kubandakanywa iipilisi zokulawula ukuzala, unyango lwegazi, kunye nokuphila iziyobisi njengeViagra.
Ewe, ukuba uhlawula ukuthenga loo mayeza ngomnyaka owodwa, ungawafaki kuqikelelo lwakho lweendleko ngonyaka ozayo.
Ukuyeka Izenzo Zakho Ezimbi
Ukuba usebenza nogqirha wakho ukuyeka ukutshaya, okanye ukuyeka ukusela, okanye ukunciphisa umzimba (jonga ngezantsi), ke ezo ndleko zingakufanelekela ukubuyisela i-FSA okanye i-HSA yakho.
Ukuba ufika ekupheleni konyaka wakho we-FSA, kusenokuba yinto elungileyo yokuthetha nodokotela wakho ngokuyeka ukutshaya, ukulahlekelwa ubunzima, okanye ukuba kuyimfuneko, uzihlolisise kwiziko lokuhlala. Qiniseka ukuba ubhala ukuhlolwa okufunekayo kunyaka ofuna ukusebenzisa ezo ndleko kwi-FSA yakho.
Ukulahlekelwa kwesisindo seMpilo
Ukuba unesifo sengqondo somkhuhlane, isifo senhliziyo okanye ufumanisa ukuba unomzimba ogqithiseleyo, ezinye zeendleko zokuphuma kwindleko zingabhawulwa.
Umzekelo, ukuba ubandakanyeka kwiprogram yokulahlekelwa kwesisindo (iWatch Watchers, uJenny Craig, abanye), okanye ukuba usebenza nomqeqeshi wokulahlekelwa isisindo phantsi koogqirha wakho, kwaye uya kuhlawula ezo nkonzo ngaphandle kwe-inshurensi yakho, ngoko bafanelekile.
Uya kufuneka ukhuphe kwiindleko ezifanelekileyo kwiindleko zokutya, okanye nayiphina iindleko ezithathelwa endaweni enye into oyifunayo ngaphambi kokuba ulahlekelwe ngumzimba.
I-IRS icace ngokucacileyo malunga noko kunokuthi, okanye kungenjalo, kube yindleko yonyango ehambelana nokulahlekelwa ngokomzimba. Indlela yakho engcono kukuba usebenze nomlawuli we-HSA okanye i-FSA yakho ukuze unqume okokuthi, okanye ayikwazi, ukuba kubuyiselwe.
ImiSebenzi yokuCima okanye yokuCoca
Umthetho ononophelo wokunakekelwa kwempilo (ukulungiswa kwempilo kwezempilo) usinika iimvavanyo ezininzi zokukhusela ngaphandle kweendleko zokuphuma ngaphandle. Abathengi kulindeleke ukuba bahlawule zonke iindleko.
Nangona kunjalo, kunokubakho iimvavanyo zokukhusela okanye zokuvavanya ezingekho kwoluhlu onokuzifuna ngenxa yeemeko ezikhoyo okanye imbali yentsapho. Ukuhlawula imali okanye iindleko ezipheleleyo zokufundwa komzimba okanye i-colonoscopies okanye ezinye ziya kuhlawulwa ngeFSA okanye kwi-HSA yakho.
Ukuba usondela ngasekupheleni konyaka, kwaye ube nemali engaphezulu yeFSA ukuyisebenzisa, cela umgqirha wakho iimvavanyo onokunyuka kulo nyaka okhoyo ukwenzela ukuba zihlawulwe ngokusebenzisa i-FSA yakho-eceleni kwemali.
Uphuculo lwekhaya
Lo udla ngokumangalisa. Ukuba wenza ukuguqulwa kwindlu yakho ukulungiselela indawo yengxaki yonyango unayo, ke ezo ndleko zibhekwa njengeendleko ezifanelekileyo.
Izitimela, imivalo yokuxhasa, ukulungiswa kweendawo, iingcango okanye izitebhisi, ukwakha i-ramp yokungena okanye nayiphi na enye inguqu-nje kuphela xa kufuneka ukuba kwenziwe ukuphucula ukufikelela kwakho kwiindawo zasekhaya ngenxa yemingeni yomzimba / yezokwelapha, unokuhlawulelwa yiFSA okanye i-HSA.
I-IRS inikeza izikhokelo, kunye nephepha lokusebenzela ukukunceda ukuba iindleko zokuphucula ekhaya zifanelekile.
Iibhetri
Ukuba ufuna iibhetri zokuncediswa kweendlebe, imitha yakho ye- glucose , okanye nayiphi na isiqwenga sezixhobo ezixhasa impilo yakho okanye imeko yezokwelapha, ngoko unokuhlawulelwa ngabo nge-HSA okanye i-FSA yakho.
Gcina iirisiti, yenza inqaku malunga nezinto ezibhekiselwe kuzo ukuba uqiniseke ukuba uyahlula naziphi na ezinye izinto zokuthenga ibhetri ezingenakufaneleka.
Ukuba kukuphela konyaka kwaye kufuneka usebenzise imali yeFSA, ke uthenge iibhetri ezongezelelweyo kulezo zezempilo okanye izixhobo zonyango.
Ukuhlala
Ukuba kufuneka uchithe ubusuku ngaphandle kwekhaya naluphina injongo yonyango (umzekelo, ukuba ufuna unyango esibhedlele esingekho kufuphi nekhaya lakho, okanye unqwenela ukubonisana nengcali yecandelo lesibini), inxalenye yeendleko zakho kwendawo yokuhlala yeedolophu kunokubhekwa njengendleko yezokwelapha ezifanelekileyo.
Kwakhona, qaphela. I-IRS icacile ngakumbi ngemithetho emele ilandelwe.
Iinkomfa zezoNyango
Njengomguli ogunyazisiweyo okanye unonophelo, unokuba nomdla ekuxhumeni nabanye abajongene neengxaki ezifanayo zonyango ozenzayo, ukufunda kuzo, ukufumanisa iziphumo zophando zakutsha kunye nokunye.
Cinga ngokuya kwinkomfa ejongene nomdla wakho. I-IRS iya kukuvumela ukuba usebenzise i-HSA kunye ne-FSA iimali zokuhlawula ukufakwa kweenkomfa, nangona akuyi kukuvumela ukuba usebenzise ezo mali zokuthutha, ukulala okanye ukutya.
IziKhupha zoVavanyo zokuKhulelwa, iiNyango zoLuntu kunye noTywala
Ingaba ucinga ukuba ukhulelwe, okanye unenkathazo yokukhulelwa umntwana, okanye ufuna ukuqiniseka ukuba awukwazi ukukhulelwa, okanye ukunyanzela omnye umntu, iindleko ezijikeleze imeko yakho njengoko ziphathelele ukuzala ziya kuthathwa njengezibonelelo ezifanelekileyo zempilo .
Isikhumbuzo sokuba uqobo lwakho ephaketheni, iindleko ezihlawulwayo aziyi kuba yindleko epheleleyo yezi ziganeko okanye iimveliso; kunoko baya kuba nayiphi na into engagqithwanga yinshuwalense yakho yempilo.
Ukuba sisondela ekupheleni konyaka, unayo i-dollar yeFSA ukuze usebenzise, kwaye uceba ukukhulelwa kwiinyanga ezimbalwa ezizayo, qwalasela ukuthengwa kweekiti zokuvota ezimbalwa zokusebenzisa enye yemali. Kodwa musa ukucwangcisa kakhulu phambili. Ezi zixhobo zokuvavanya ziphela, kwaye ukuba zenza, zingenakulungile.
Uthutho okanye uhambo
Ukuhamba okanye ukuthutha kweso sizathu sonyango yindleko efanelekileyo, kuquka netikiti, igesi, ukutshintsha kweoli kunye nokunye ukugcinwa, iimali zokupaka kunye neerhafu.
Yiba nekhono lokugcina i-mileage log kunye neerisiti zakho ukubuyisela nayiphi na imali ekubuyisele kuyo.
I-Lasik okanye enye iCorrection Correction
Xa umboniso wakho ufuna ukulungiswa, nokuba unxibe ii-lens, iilazi, okanye ukhethe iLazik okanye olunye utyando lweziliso, unyango lwakho ukuphucula ukulungiswa lubhekwa njengendleko efanelekileyo yezokwelapha, nje kuphela ukuba ingahlawulwa nge-inshorensi okanye kumqeshi wakho.
Ukuba usondela ngasekupheleni konyaka werhafu, qwa lasela ukuthenga iiseti ezongezelelweyo zama-lens oqhagamshelwano, okanye iiglasi ezizezinye, ukuba ufuna ukusebenzisa imali.
Wigs
Ukuba unxibe i-wig ukufihla ukulahlekelwa kweenwele ezibangelwa unyango lwezempilo, nokuba ulahlekelwe iinwele zakho ngexesha le-chemo, okanye intloko yakho yahlanjululwa ngenxa yokuhlinzwa, iindleko ze-wig ziya kuba yindleko zempilo ezifanelekileyo nje kuphela ugqirha wakho. cebisa.
Ukuze uxwebhu oluyimfuneko ye-wig, cela udokotela wakho ukuba akubhalele ileta okanye afake icebiso kumanqaku akhe ogqirha. Faka ikopi yileta okanye amanqaku kunye nokuhanjiswa kwakho kokubuyisela, kodwa qiniseka ukugcina ikopi eyongezelelweyo kunye neirekhodi zakho.