Ukwazi iMimiselo unokukugcina Imali
Ngaba ufumene intlawulo yokhuseleko lweNtlalontle yoKhubazeka kweNtlalo (SSDI) ngenkokhelo yentlawulo? Ngelixa kukhululekile ukufumana izibonelelo zakho, kuzisa umbuzo werhafu eninzi ongayifumana ngayo. Le mali ayikho yerhafu, kodwa ukuba uya kufuneka uhlawule irhafu kuxhomekeke kwimali yakho engenayo, ukuxothwa, kunye nezinye izinto ezininzi. I-IRS inikeza iphepha lokusebenzela ukuqinisekisa ukuba uza kuhlawulwa kangakanani.
Ukufaka izicelo ze-SSDI kunye nokulinda isigwebo kungenza inkqubo ende, ngamanye amaxesha kuthatha inyanga okanye iminyaka. Abantu abaninzi abanikezelwa ngeenzuzo ze-SSDI bafumana inkokhelo yokuhlawula intlawulo yeenyanga phakathi komhla wabo osemthethweni wokukhubazeka kwaye xa ekugqibeleni bafumana izibonelelo. Eminye yale tshekisha enkulu, nangona kunjalo, inokubuyela kuMalume Sam njengerhafu. Irhafu yerhafu ayigcinwanga ngokuzenzekelayo, ngoko awufuni ukutshatyalaliswa ngokukrakra kweenyanga ezimbalwa endleleni.
Ingxenye yemivuzo yakho ye-SSDI ihlawulwa rhoqo ngonyaka
Ngokommeli weerhafu uPaul Gada weSikolo soCwangciso soPhulo loBuphiko boLwazi lwe-Allsup, i-payments ye-SSD yenyanga ayiyi kubangela inkxalabo eninzi kuba, ngama-1,165 ngenyanga (ngo-2015), abantu abaninzi abathembela kuyo Ingeniso ayiyi kuhlawulwa irhafu. Nangona kunjalo, ukubika isamba semali njengengeniso yonyaka werhafu omnye kunokubangela ukuhlawulwa kweerhafu. Unokugqiba ukuhlawula ngaphezu kokufuneka uhlawule ukuba awufumani isiluleko esifanelekileyo.
Ukufikelela kuma-50 ekhulwini kwi-Social Security Disability benefits inokuhlawulwa rhoqo ngonyaka. Ixabiso elichanekileyo lizimisele ngokufaka isahlulo sesiqingatha se-SSDI yomhlawuli-ntlawulo kuyo yonke imithombo yakhe yokufumana imali. Ukubuyiswa kwentlawulo yengeniso kufuneka ifakwe xa ingeniso engenayo iphezulu kwimali ethile ye-IRS, "kusho uGada.
Ingaba uhlawulisa irhafu ngenxa yokuhlawulwa kwemali iya kuxhomekeka kwindlela ofumene ngayo kunye nemali engenayo enayo ngexesha lentela.
Sebenzisa i-IRS Publication 915 Iifom zokusebenzela kwiSaveyi yakho yentela
Kungenokuba inzuzo yakho ukuba ibango lonke isamba semali kulo nyaka werhafu okanye usebenzise iifayile zokusebenzela i-IRS ukusasaza kwi-tax year. Ngeke ulungise imbuyekezo yakho yangaphambili yerhafu, uya kuqonda ukuba kukuphi ukusetyenziswa kwakho usebenzisa iphepha lokusebenzela elifakwe ngokubuyiswa kwentlawulo yakho yangoku. Uya kuhlawula imali encinci njengoko ichongiwe ngumsebenzi.
Ukuba ufumene intlawulo ye-SSDI yentlawulo, uya kubona ixabiso elifakwe kwiBhokisi 3 yeFomu ye-SSA-1099 efunyenwe kuLawulo loKhuseleko loLuntu. Iifom zokusebenzela ezinikezelwe kwi- IRS Publication 915 zingasetyenziselwa ukugqiba inxalenye ehlawulwayo yokuhlawulwa kwe-SSDI yokubuyisela.
I-Gada ibonisa ukuba kunokuba nzima okanye kudideke ukwenza oku ngesandla. Yilungelelaniswa kakuhle ne-software yokulungiswa kweerhafu okanye usebenzisa uchwepheshe weerhafu ukulungiselela ukubuyela kwakho.