I-Arhente yeNtlawulo ye-Federal ukuya kwiHl ye-Premium Payer Payment
Ikhredithi yaphuma kwisiqalo esibuhlungu. Kulula kunzima ukubala kwaye abanye abaqeshi bafumanisa okokuqala ukuba iikhredithi zabo zazixhomekeke xa zifumana enye.
Emva koko i-credit card eyongeziweyo yanyuswa ngo-2014, ithatha enye ye-sting out of laboring over those calculations.
Inkokhelo yemali yerhafu yonyango yomncinci inokulingana nama-50 ekhulwini e-premium ye-inshorensi yezempilo. Intlawulo yemali yerhafu yayingama-35 eepesenti ezi-premium zempilo ze-inshorensi zempilo eziphuma kwi-2010 ukuya ku-2013, kwaye abaqeshi abangenanzuzo banokuthi babangele kuphela kuma-35 ekhulwini.
Njengoko nazo zonke iikhredithi zerhafu, zikhona neminye imithetho kunye nokunciphisa.
Ulungelo lweNkxaso-mali yeNtlawulo yeNtlawulo yezeMpilo
Uvavanyo olu-3 oluthengisiweyo lubonisa ukuba amashishini amancinci afanelekileyo ukufumana ityala leenkonzo zentlawulo yonyango.
- Ishishini kufuneka sibe nabasebenzi abangaphantsi kwama-25 abalinganayo .
- Umvuzo omyinge wokuhlawulelwa kwabasebenzi kufuneka ube ngaphantsi kwama-51,600 wama-$ ngonyaka we-2016. Yongeza inani elihlawulelwe kumvuzo kwaye ulwahlule ngenani labasebenzi bakho ukufumana umyinge.
- Iiproyamu ze-inshorensi yezempilo kufuneka zihlawulwe nge "ilungiselelo elifanelekileyo."
Akukho Tyala lokuThengisa kwabanikazi bezoshishino
Amashishini amancinci akakwazi ukuthatha iitaliti zentlawulo kwiiprimiyamu zomshuwalense ezihlawulwe egameni labanikazi babo. Oku kubandakanya abanikazi beenkampani, amaqabane ekusebenzisaneni, kunye nabanikazi bodwa. Akukho khredithi yerhafu efumanekayo kubasebenzi abanamaphesenti ama-5 okanye ngaphezulu kwezoshishino ezicwangcisiweyo njenge-C-corporation, kwaye akukho khredithi yentlawulo efumanekayo kubasebenzi abanama-2 ekhulwini okanye ngaphezulu kwe-S-corporation.
Abalingani, amalungu e-LLC abanjelwa njengentsebenziswano, abanikazi be-LLC-members, i-S-corporation abanini-mali abanamaphesenti angama-2 okanye ngaphezulu kwe-S-corporation, kunye nabanikazi bodwa bodwa baphathwa njengabantu abaqeshwe ngabasebenzi kwiinjongo zomshuwalense wezempilo. Akunakushiywa ngokupheleleyo kubanda, nangona kunjalo. Bafanelekile ukutsalwa kwe-inshorensi yempilo yempesheni kunokuba yile mboleko yerhafu.
"Ilungelo lokuQinisekisa"
I-Revenue Revenue Service ichaza ilungiselelo elifanelekileyo njengelinye "ngokuqhelekileyo ilungiselelo elifuna ukuba uhlawule ipesenti ezilinganayo ezingaphantsi kwama-50 ekhulwini kwindleko ye-premium yomntu ngamnye obhalisiweyo." I-IRS icacile ukuba lo mthetho-pesenti we-50 usetyenziswa kuphela kwiinkonzo zempilo kuphela. Kwimeko apho umqeshi ehlawula isigamu somsebenzi-kuphela kuphela kwaye umqeshwa uhlawula zonke iiprimamenti zokumboza iqabane lakhe kunye nabantwana baya kuba bafanelekile.
3 Imida ejongene nokuNciphisa iNkonzo yeNtlawulo yeNkonzo yeMpilo
Abanye abaqeshi abancinci bangenakufanelekela imali epheleleyo yekhredithi. Ixabiso lepesenti ye-50 limela umlinganiselo werhafu ophezulu okhoyo. Ixabiso lemali liyancishiswa okanye lixhomekeke kwiimeko ezilandelayo:
- Inani labasebenzi abalingana nexesha elipheleleyo lidlula ezili-10.
- Umyinge wemvuzo wonyaka unqabile i-$ 25,800 ngexesha elilinganayo lexesha elipheleleyo ngeminyaka ka-2015 nangemva koko.
- Iimpesimari zonyango zonyango zigqithise iiprayimari eziqhelekileyo ezihlawulwayo kwiinkonzo zempilo kwindawo yomhlaba.
Ukumangalelwa kweNkcazo yeMali yeNtlawulo yeMpilo
Ingxowa yerhafu yokunakekelwa kwempilo ingabalwa kwaye ibangelwe kusetyenziswa iFomu 8941 . Ifom kufuneka ifakwe kwi-tax return tax. Ikhredithi iyanciphisa nayiphi na irhafu yengeniso yerhafu. Akubuyiselwa imali, nangona kunjalo, ngoko ke into enokuyenza inciphisa nayiphi na irhafu yengeniso ehlawulwa kuyo. Ibhizinisi aliyi kufumana imali yokubuyisela nayiphi na imali ekhoyo. Ikhredithi ayikwazi ukukhupha irhafu yokuhlawula irhafu okanye iimbopheleleko zerhafu yokuqeshwa kwabamashishini abancinane.
Ngaba Amashishini Angathatha Ukukhutshwa KweeNtshumo zeeNtshumo zeMpilo?
Amashishini amancinci angathatha kokubanjiswa kwee-premium ze-inshorensi yezempilo kunye neentlawulo zemali yentlawulo yonyango, kodwa inani lokuncitshiswa liyancishiswa ngumyinge werhafu yerhafu.
Iingcebiso zoCwangciso
Amashishini amancinci kufuneka ahlolisise iinkqubo zabo zokugcina ingxelo ukuqinisekisa ukuba bagcina ngokuchanekileyo umkhondo wempesimali ye-inshorensi yempilo ehlawulelwa ngumqeshi kunye nabasebenzi. Oku kubaluleke kakhulu kuba abaqashi kufuneka baxele ixabiso leenzuzo ze-inshorensi yezempilo kwiifom ze-W-2 zabasebenzi.
Abanini-shishini banokufuna kwakhona ukuphonononga indlela abenza ngayo izibonelelo zabo zezempilo. Ngokomzekelo, abanini banokufuna ukuhlaziya ipesenti yee-premium zee-inshorensi zempilo ezizihlawulela ukwenzela ukuba zilungele iitaliti zerhafu. Oku kunokucatshiswa ngokulungiswa kumvuzo, ngokukodwa kwimisebenzi emitsha.