Akuyi kunceda ekuhambeni kwexesha
Ngaba ucinga malunga nokulala kwesicelo sakho se-inshorensi yempilo ukuze ufumane inkxaso-mali enkulu (aka, ikhredithi yentela ye-premium) okanye ngoko uya kufumana inkxaso-mali xa ungakufanelekanga? Nesi sizathu sokuba akufanele.
- Uya kubanjwa.
- Uya kufuneka uhlawule umxhaso.
- Unokuba netyala lokukhwabanisa, ulwaphulo-mthetho olusesikweni.
Indlela Oya kuzuza ngayo Ukukhohlisa malunga neNgeniso yakho.
Xa ufaka isicelo sesibonelelo se-inshurensi yempilo, imali yakho yenkxaso-mali isekelwe kwingqiqo yakho yengeniso kunyaka ozayo.
Imali urhulumente ayithumela kwinkampani yakho yinshorensi yezempilo nganye nyanga ngokwenene inkokhelo ephakamileyo yentlawulo yerhafu oya kuwufumana xa ufaka i-tax return yakho yonyaka. Inkxaso-mali yangempela (okt, irhafu yerhafu) ayenzeki de uze uyifake iirhafu yakho ekuqaleni kwonyaka olandelayo.
Xa ufaka iirhafu zakho, i-IRS iya kukwazi ukubona kakuhle imali enokuyifumana. Kuya kuba kwiifom zakho ze-W2 ne-1099. I-IRS iya kukwazi ukuba unamali obani ukusuka kumsebenzi wakho kunye nokuba ungakanani owaluthola kumdla kunye negalelo.
Emva koko, uhamba kwinkqubo ebizwa ngokuthi ukuxolelana . Kulapho, uya kuqhathanisa isixa-mali se-inshorensi yempilo yakho isicwangciso sakho sempilo esitholiweyo egameni lakho kunye nesibonelelo esifanelekileyo semali esekelwe kwingeniso yakho yangempela. Ukuba ufumene ngaphezulu kwiinkxaso-mali unyaka wonke kunokuba ufanelekile ukusekelwe kwinzuzo yakho yangempela, unokufuneka uhlawule enye okanye yonke imali eyongezelelweyo onayo.
Ukuba ingeniso yakho iphelela ngaphezulu kwama-400 ekhulwini kwinqanaba lehlwempu kunye nelo lingenako ukufumana inkxaso-mali, uya kufuneka uhlawule ipesenti ezingama-100 zenkxaso-mali enikezelwa kunyaka yakho egameni lakho; ukuba ingeniso yakho iphelela ngaphantsi kwama-400 ekhulwini kwinqanaba lehlwempu, i-IRS ibeka ixabiso lemali engaphezulu kwemali oyimfuneko ukuba uyihlawule, kuxhomekeke kwingeniso yakho (bona iphepha 14 lemigaqo ye- IRS yeFomu 8962 ).
Abenzi bomthetho baye baqwalasela ukucima ezi ntlobo, kodwa oko akukaze kwenzeke.
Yaye ukuba inkxaso yakho iya kuhlawulwa nganye ngenyanga kwaye uyahluleka ukufaka ifom ye-Fowuni 8962 ( ifom yokubuyisela inkokhelo yentlawulo ye -premium) kunye nokuhlawula irhafu yakho, inkxaso yakho iya kunqunyulwa ukuya phambili phambi kokuba ufumane inkqubo yohlawulelwano-mali. . Akukho nto ihamba ngayo ukuba yonke into ekugqibeleni ifanele ikhutshwe nge-IRS.
Indlela Oya Kufunyanwa Ukukhohlisa Ngomnikelo Wokunikezela Ngomshuwalense Wempilo Yobomi.
Awunelungelo lokufumana inkxaso-mali ye-inshurensi yempilo xa umsebenzi wakho unikela ngomshuwalense wezempilo onokuhlawuleka kwaye unika ubuncinane ubunani. Ingumqeshi wakho we -inshurensi eyenza ungenakufaneleka, kungekhona ukuba ube ne-inshorensi. Ngoko ke, nangona uyanqanda umqeshi wakho ngenxa yokuba unokwenza isicwangciso onokuthenga kwi-inshurensi yempilo yakho yomshuwalense, xa nje umqeshi wakho enikezela ngokukhawuleza, unganelungelo lokufumana inkxaso-mali yerhafu ye-premium.
Kuthekani ukuba uthe waxoka kwaye uthi awuzange unikezwe ngomshuwalense wezempilo onokuhlawuleka ngumqeshi wakho? Unokwazi ukukhohlisa utshintsho ekunikezeni isicwangciso sakho sempilo ukuhlawulwa kwangaphambili kwenkxaso.
Kodwa, i-IRS iya kukubamba, kuya kufuneka uyihlawule, kwaye uza kwenza ubuqhetseba.
Njengokuba bathumela i-W2s okanye i-1099 ngonyaka ngamnye, abaqeshi abakhulu ngoku bazalise ifom entsha yentela: Ifomu 1095-C . Le fomu ixelela wena kunye ne-IRS ukuba ngaba unikwe i-inshorensi yezempilo okanye awuyiyo, nokuba ingaba i-inshorensi yezempilo inikezela ubuncinci, kwaye ingakanani loo inshorensi yezempilo eyayikubiza. Ngolu lwazi, i-IRS iya kwazi ukuba ngaba umrhumo womqeshi wakho ufikelelekayo kwaye unikwe ixabiso elincinci (inqaku lokuba ukubonelela ngexabiso kunokusekelwe kwindleko yempesimenti yomqeshwa, kungakhathaliseki ukuba amalungu enyongezelwayo kwisicwangciso , ngo-2018, kuthathwa njengexabiso elifanelekileyo ukuba umrhumo womqeshwa we-premium ungaphantsi kwe-9.56 pesenti yengeniso yomzi).
Ukuba ubuqhetseba ngobuqhetseba ukufumana intlawulo yenkxaso-mali ye-inshorensi yempilo yonke iminyaka, ifom ye-1095-C iya kubonakala ukuba awufanelekanga kuloo mali. Uya kufuneka uyihlawule, kwaye unokuba netyala lobuqhetseba.
Mxelele inyaniso.
Imithombo:
INkonzo yeNgeniso yangaphakathi, ifom ye-1095-C yoMqeshi-Inkonzo ye-Inshurensi yeMpilo kunye neNgcaciso yoMshuwalense.
INkonzo yeNgeniso yangaphakathi, iNkqubo yeNgeniso 2017-36 .