Iseluleko soRhafu seNgcali soKhubazekileyo
Abantu abakhubazekileyo bafuna ukuqonda ngokucacileyo ukuba ukukhubazeka kwabo kunokutshintsha njani iimfanelo zabo zerhafu, kwakunye noko banokukwenza ukuze banciphise nayiphi na inxaxheba yerhafu abanakho.
Ngenxa yokuba ukucwangcisa irhafu kulo nyaka kungongeza kwi-tax savings ebalulekileyo, nakhu amanyathelo athathatyathwayo xa kufika ixesha lokuphela kwentlawulo yengeniso ka-Apreli, ulungiselelwe kakuhle.
Imirhumo kwimithombo enxulumene nokukhubazeka-Imveliso ye-Income
Mhlawumbi uqhelana nendlela i-Internal Revenue Service (IRS) yerhafu yokusebenza yomvuzo okanye inzuzo yengeniso-mali, kodwa abantu abakhubazekileyo kufuneka baqonde ukuhlawulwa kwentlawulo yemithombo enxulumene nokukhubazeka.
Intshurensi yokukhubazeka yoKhuseleko lweNtlalo (SSDI)
Ngokuqhelekileyo, i-IRS inokwenza irhafu ukuya kuma-50 eepesenti ze- Social Security benefits . Ukubala le mali, yongeza isiqingatha seenzuzo zakho ze-SSDI kunye nayo yonke imithombo yakho yemithombo. Uya kuhlawulwa irhafu kwiyiphi na imali engaphezulu kwinqanaba lesiseko. Iphepha lokusebenzela ukujonga ukuhlawulwa kweentlawulo ze-SSDI lufumaneka kwiwebhusayithi ye-Allsup.
Izibonelelo ze-Lump-Sum SSDI
Kungathatha iminyaka engaphezu kwembini ukufumana izibonelelo zokukhubazeka kweNtlalo, kubangele ukuhlawulwa kwemali yentlawulo . Ukuhlawula irhafu kule mali ngomnyaka owodwa kuyiphutha kwaye kuya kuba yinkcitho yemali.
I-IRS ikuvumela ukuba usasaze irhafu kule ntlawulo ye-sum-sum kwiminyaka yerhafu yangaphambili usebenzisa ukubuyiswa kwentela yonyaka wamanje, kungekho mfuneko yokufakela ukubuyiswa okulungisiweyo.
Nangona kunjalo, izibalo ziyinkimbinkimbi, ngoko yinto efanelekileyo yokufuna uncedo lwerhafu. Uludwe lwezibonelelo zentlawulo yamahhala abantu abanokukhubazeka lufumaneka kwiwebhusayithi ye-Allsup.
Ukuhlawulwa kweRhafu yeMinye Imithombo
Unyango lwerhafu lweminye imithombo engenayo luyahlukahluka. Ngokomzekelo, izibonelelo zokuhlawuleka zabasebenzi kunye nemonakalo yokuhlawulwa ngokubakala ngokungekho nto ihlawulwa irhafu.
Ukuhlawulwa kwentlawulo yentsholongwane yexesha elide (LTD) inzuzo kuxhomekeke kwindlela ama-premiums ahlawulwa ngayo. Ukuba uhlawule iipriyamu kunye neerhafu zerhafu emva koko, iinzuzo azifakiwe kwiholo lakho lentlawulo. Ukuba uhlawule iiprayimari zexesha elide zokukhubazeka kunye neerhafu zangaphambi kweerhafu njengenxalenye yesicwangciso sokutya, umzekelo, okanye umqeshi wakho wakhokhela iipriyamu zakho, iinzuzo zihlawulwa kuwe kwaye kufuneka zifakwe kwingeniso yakho.
Nciphisa iBhili Yakho ngeeNkcazo zeRhafu
Kukho iintlobo zemali zerhafu ezinokukunceda ngokuxhomekeke kwimeko yakho. I-IRS ihlaziya rhoqo ixabiso lala matyala kwi-year tax year. Phakathi kwezi zinto:
- Ikhredithi yentlawulo yengeniso
- Ikhredithi yabakhubazekile
- Ukunyamekela ngetyala
Ukuhlawula iRhafu yakho ngeeDeductions
Ukuchithwa ngenye indlela indlela abakhubazekileyo abanokunciphisa ngayo ibhaso yerhafu. Abanye ekufuneka baqwalasele baquka:
- Ukwenyuswa kweerhafu ephantsi. Abahlawuli berhafu abangaboniyo okanye abangabonakaliyo banelungelo lokunciphisa irhafu ephezulu.
- Ukuncitshiswa kwezonyango kunokufaka isicelo. Iindleko ezihlawulelwayo ziquka iindleko zonyango kunye namazinyo, iindleko zokuhamba zonyango, inshorensi yonyango lwangexesha elide, ii-premium zonyango zonyango kunye neendleko zezixhobo ezithile kubantu abanokubonwa, ukuva kunye nezinye izifo.
- Ukukhupha iindleko zokufuna izibonelelo zakho zokukhubazeka kweNtlalo. Ukwenza njalo, kuya kufuneka uchithe inzuzo kwimali yakho yentlawulo usebenzisa iShedyuli ye-Form 1040.
Akukho mntu uthanda ukuhlawula irhafu. Kubantu abakhubazekileyo, unokuphucula ikusasa lakho lemali ngokujonga ngokufutshane. Ngokucwangcisa kwangaphambili, unokuphepha ukuhlawula irhafu engaphezulu kunokuba uyifunayo kwaye uphucule inzuzo yakho yentlawulo ebalulekileyo.
Malunga noMbhali:
UPaul Gada ngummeli weerhafu kunye nomlawuli wezocwangciso zezemali ku-Allsup (www.allsup.com), umboneleli welizwe loNcedo loKhuseleko loKhuseleko lwezeNtlalo kunye neenkonzo zokukhetha izicwangciso ze-Medicare. NjengeNtloko ye-Allsup yokukhubazeka kweZiko loPhulo loBomi, ugxila kwiimfuno zika-Allsup zokunceda abantu abakhubazekileyo baphinde baphile ubomi babo kwaye bajamelane nokukhathazeka kwabo kwezemali kunye nokukhathazeka kwezempilo.