Kukho iintlawulo ezithile kwimali engenayo okufuneka wonke umntu ahlawule, kunye neentlawulo zeFICA ziphezulu kwoluhlu. Kwaye abaqeshi mabayeke le ntlawulo kumvuzo wokuqeshwa kwaye bahlawule kwi-Internal Revenue Service (IRS).
Iirhafu ze-FICA yiNtlalontle yeNhlalakahle kunye neNtlawulo yemali ehlawulwa ngabantu ngabanye nabaqeshi. Iirhafu ze-FICA zibizwa ngokuba ziirhafu zerhafu kuba zisekelwe kwiimali ezihlawulwa kwabasebenzi.
Iirhafu zeFICA zinezinto ezimbini. zigcinwe kumsebenzi wokuhlawula umqeshwa kwaye zihlawulwe ngabasebenzi kunye nabaqeshi (1) Ukhuseleko Loluntu (OASDI) kunye (2) ne-Medicare. Eli nqaku likunika ulwazi malunga nendlela yokubala irhafu ye-FICA, indlela yokubika nokuhlawula irhafu, yintoni inzuzo ayiyiyo inxalenye yeentlawulo zeFICA kunye nokunye.
Igama elithi "FICA" lifutshane kwi-Federal Insurance Contributions Act. Lo Mthetho uqaliswe ngawo-1930 ukuhlawula ukuKhuseleko loLuntu; I-Medicare yongezwa kamva.
Ingakanani iRhafu yeFICA?
Iirhafu zeFICA zizonke zi-15.3%. Le pesenti isetyenziselwa umvuzo omkhulu womqeshwa .Umqeshi nomqeshwa ngamnye uhlawula i-7.65%.
Nantsi ukuphulwa kweerhafu:
- Kuloo-7.65%, i-OASDI (i-Old Age, Abasindileyo kunye neNkqubo yokukhubazeka, isabelo se-AKA, iNhlalakahle yeNtlalo) ngu-6.2%, ukufikelela kumvuzo ophezulu wonyaka phantsi koKhuseleko loLuntu.
- Inxenye ye-Medicare yi-1.45% yomqeshwa ngamnye, kuwo wonke umvuzo wemisebenzi .
Icandelo loKhuseleko loLuntu lixhomekeke kunyaka ngamnye kwisixa esicwangcisiweyo; Inxalenye ye-Medicare ayikhethiweyo.
Ziziphi iindleko azikho phantsi kweentlawulo zeFICA?
Abanye bakhokhela izinto kunye neentlawulo kubantu abathile abaphantsi kweentlawulo zeFICA. Funda le nqaku ngencazelo "yemali yomvuzo wentlalo" kwaye uluhlu lwezinto zokuhlawula ezikhutshwa yerhafu yoKhuseleko loLuntu.
Ingeniso yabanikazi beshishini abaqeshwe ngabanye ayigcinwanga phantsi kweenkqubo zeFICA, kodwa kukho umyalelo ohlukileyo ofuna ukuhlawulwa kweerhafu, obizwa ngokuba nguMthetho weNkxaso yokuSebenza (i-SECA).
Iimali zeFICA zibalwa njani?
Ukubala i-FICA yokubambelela abasebenzi, kufuneka uthathe umvuzo opheleleyo womqeshwa (kuquka i-overtime) kwaye wande ngezinga labasebenzi li-7.65%. Amanqaku amabini obalulekileyo omele uwabukele kubalo:
- Kufuneka ujonge ukuba ubone ukuba umvuzo opheleleyo wenkokhelo wonyaka ungagqithanga umgangatho okhuselekileyo woKhuseleko loLuntu kunyaka okhoyo ngenxa yokuba awukwazi ukukhangela ngaphezulu kwexabiso loLuntu loKhuseleko ngamnye ngonyaka.
- Kufuneka ujonge kwakhona ukuba ubone ukuba irhafu yonyango eyongezelelweyo iyanqatshelwe kwimali yabaqeshwa abaphezulu abahlawulwayo, xa imali yabo yokufumana imali ifikelela kuma-250,000 e-year ngonyaka.
Qaphela ukuba akukho ntlawulo ephezulu yentlalo yoqeshiso kubaqeshi kwaye akukho nerhafu ephezulu yerhafu yabaqeshi okanye abasebenzi.
Jonga eli nqaku malunga neendlela zokubala i-FICA yokugodla kunye neentlawulo zeerhafu ze-FICA kwi-IRS.
Ukuba Unqanda kakhulu iRhafu yeFICA
Ngaba uchithe iRhafu yoThuseleko loLuntu kumqeshwa? Mhlawumbi kungenxa yokuba uhlala uhlawule ngaphezu kweNtlalo yoKhuseleko.
Kukho nawuphi na, kufuneka ubuyisele imali kumqeshwa. Qinisekisa ukuba isofthiwe sakho sokuhlawula ayibhalisi njengolu ngeniso kumqeshwa; ayichaphazeli umrhumo ophezulu womqeshwa ngenxa yokuba ayikho imali.
Olongezelelweyo Ngalo lonke uhlobo lweentlawulo zezeNgqesho
Ukuhlawula iintlawulo zeFICA kwi-IRS
Kumele uthumele iifomiti zerhafu zeFICA , kunye neemali ezingagcinwanga kumvuzo womqeshwa kwi-tax revenue taxation, kwi-IRS ngezikhathi ezithile. Iifomethi kufuneka zenziwe ngokusebenzisa i- Electronic Federal Payment System (i-EFTPS) kwaye zenziwa ngeeveki-nganye okanye ngenyanga, kuxhomekeke kubukhulu bemilinganiselo ye-deposits kunyaka odlulileyo (amashishini amatsha edibanyiweyo ngenyanga). Funda okunye malunga nendlela yokuchonga ixesha lokuhlawula i-FICA kunye nentlawulo yengeniso yomthetho.
Ukubika i-FICA Imilinganiselo kwi-IRS
Abaqeshi kufuneka bathumele ingxelo yengxelo yeerhafu yeerhafu kwi-IRS kwifomu 941 .
Le ngxelo, ngenxa yokugqibela ngomhla wenyanga emva kokuphela kwekota nganye, ibonisa imali echithwe kumvuzo wokuqeshwa, imali efunekayo evela kubaqeshi, kunye nemali ehlawulwa kwikota.
Yintoni eyahlukileyo phakathi kweerhafu ye-FICA kunye neRhafu yokuNyumba?
Imirhumo yeFICA yasungulwa nguMthetho we-Federal Insurance Pension Act (FICA) ngowe-1930 ukuxhasa imali, okokuqala, inkqubo yoNcedo lweNtlalo, emva koko, inkqubo ye-Medicare, kubaqeshwa.
Inkqubo eyahlukileyo, ebizwa ngokuba ngumThetho woNyaka woNyaka woMsebenzi we-Self-Employment Act ((SECA) ka-1954, ufuna abantu abaqeshwe ngabanye ukuba bahlawule irhafu yeNtlalo kunye neNtlawulo kwiMali yabo yokufumana ingqesho. Iireyithi zerhafu yokuqeshisa i-12.9% kwiNgxenye yoKhuseleko loLuntu kunye no-2.9% kwi-Medicare. Ubuninzi boKhuseleko loLuntu lusebenza kwerhafu ye-SECA, kunye neerhafu ezongezelelweyo zerhafu ziyasebenza kwingqesho ehlangeneyo kunye nengeniso yokufumana umsebenzi.