Imithetho kunye nokulinganiselwa kwe-Intshurensi ye-Self-Employment Insurance
Abaqeshwa banokufaka iindleko zonyango njengencitshulwa, kunye nokubandakanya iipresimali zempilo. Le ntlawulo yeerhafu yayisesikhwameni sokuqhawulwa kwithuba elithile njengoko iCongress yaxutywa malunga nemigqaliselo yoMthetho wokuThuthwa kweRhafu kunye neMisebenzi eya kusebenza ngunyaka werhafu 2018.
Ekugqibeleni, ukuncitshiswa kwasinda, kodwa abahlawuli berhafu abaqeshweyo kufuneka baxoxe ngeentlawulo zabo zerhafu ukuba bazibange.
Le nto ayisoloko ilungelelanisa bonke abantu, ngokukodwa kuba i-TCJA phantse i-deductions ephindwe kabini kunye nabahlawuli berhafu kufuneka bakhethe phakathi kwe-heemizing okanye besithi ukuchithwa okuqhelekileyo kwisimo sabo sokufakela. Abathengi kaninzi abanakho ukukhawulelwa ngokwaneleyo ukunciphisa ukuchithwa okuqhelekileyo, ngoko kunokuba luncedo ukuthabatha ukunyuswa okuqhelekileyo kwaye ukulibala malunga neendleko zonyango kunye ne-inshurensi. Oku kunokuba kunjalo nangona kunjalo ukuqhubela phambili kunye nokunyuswa kwezinga eliqhelekileyo.
Oko kwathiwa, abaqeshwe ngabanye bafumana ukuchithwa kwabo kwiphepha lokuqala lokubuyiswa kweerhafu zabo, kwaye ngokubanzi, le ntsalela yinto enhle yokuqeshwa.
Indlela Yokumangalelwa Ukutshatyalaliswa Ukuba Uzimeleyo
Ukuba unomvuzo wokufumana umsebenzi, ungathatha intsalela yeentlawulo ze-inshorensi zempilo ozibandakanyeleyo, lakho iqabane lakho kunye nabaxhomekeke kuyo.
Ingeniso yokuziqhayisa ingxelo kwiShedyuli F ukuba ungumlimi, okanye iShedyuli C yabanye abanikazi bodwa. Amaqabane aqhelekileyo kubambiswano kunye namalungu athatha inxaxheba kwi-LLC eziphathwe njengentsebenziswano inokubhenela ukuncitshiswa ukuba banayo nayiphi na ingeniso yempesheni, njengokuba nabasebenzi be-S-corporations abanakho iipesenti ezi-2 okanye ngaphezulu kwe-stock corporation.
Ziziphi iipolisi ezifanelekileyo?
Ixabiso elipheleleyo leeprayimari ezihlawulwe kwi-inshorensi yonyango, i-inshorensi yamazinyo, kunye ne-inshorensi yonyango yangexesha elide iyancitshiswa kwiinkqubo ezikugubungelayo, iqabane lakho, abaxhomekeke kuyo, okanye abantwana abadala abangazange bafikelele kwiminyaka engama-27 njengomhla wokugqibela kunyaka werhafu. Ukuba usebenza ngokuzimeleyo kwaye uhlawula iipomma zongezelelekileyo zeMedare, njenge-Part B, ungawahambisa ezi ntlawulo zeprayimali ngokunjalo. Umgaqo-nkqubo ungaba egameni lakho shishini ukuba awusebenzi phantsi kwegama lakho.
Kukho ukulinganiselwa
- Awukwazi ukukrazula iindleko zempilo yomshuwalense ukuba wena okanye wakho umlingane ufanelekile ukuba uthathe inxaxheba kwisicwangciso sezempilo seqela elixhaswe ngumqeshi. Oku kungenjalo ukuba usebenza umsebenzi oqhelekileyo kwaye ube nequmrhu lakho kwicala, okanye ukuba iqabane lakho liyaqeshwa kwaye lilungele ukuhanjiswa kwentsapho phantsi kwesicwangciso seqela. Ukuba uthatha umsebenzi kwaye ufanelekele isicwangciso ngoDisemba, umzekelo, unokuhlawula iinyanga ezili-12 zempilo yomshuwalense wezempilo kunye nentsapho yakho kodwa unako ukukhawuleza iinyanga ezi-11 eziyimali-mali ukusuka ngoJanuwari ukuya kuNovemba ngenxa yokuba ukufumana esinye isicwangciso ngenyanga yokugqibela yonyaka.
- Ingeniso yakho yokufumana umsebenzi ibalwa kwiShedyuli C okanye F kwaye kufuneka ilingane okanye idlulise inani lemali echithwayo yinshorensi yakho. Ngokomzekelo, ukuba ishishini lakho lifumene i-$ 12,000 kodwa iipalamum zibiza i-$ 15,000, awukwazi ukubanga i-$ 15,000. Unokuthatha kuphela i $ 12,000. Kwaye ukuba ingxelo yakho ishishini lilahlekile, awufaneleki ukutsalwa.
- Unokuba usenokubakho iindleko ze-inshorensi yempilo njengokwenyulwa kwezonyango kwiShedyuli A ukuba uyayifumanisa, kodwa ukulungiswa kwimiqathango engentla apha kwiholo kubantu abaqeshwe ngabasebenzi ngokuqhelekileyo kunenzuzo. Ichaphazela ingeniso yakho epheleleyo, ingcaciso apho ezinye ikhefu zentela zixhomekeke kuyo. Ezinye iikhredithi ziyancitshiswa okanye zichithwa ukuba i-AGI yakho iphakamileyo, ngoko ke ukuncitshiswa ngaphezulu kwe-line unelungelo lokubango, kungcono.
- Iirhafu zakho zengqesho zisekelwe kwii-intlawulo zeshishini lakho elingaphantsi kwezinye iindleko - inzuzo oyibala kwiShedyuli C - kodwa ingaphantsi kweepumama zakho ze-inshorensi. Oko kuya kuba yinto ekhethiweyo yentlawulo ephindwe kabini. Kufuneka ubale ingeniso yakho emva kweendleko zoshishino kwiShedyuli C, uze ufake le ngeniso kwiFom yakho ye-1040. Ukuncitshiswa kweendleko zempilo oziqeshwe ngokuzenzekelayo kususwe kule mali kuhla nge-1040.
Ezinye Iingcebiso Zokumangalela Ukukhutshwa
- Faka ukungeniswa kwe-inshorensi yempilo yakho kwingqesho yomgca we-29 weFomu 1040.
- Iphepha lokusebenzela libonelelwa kwiMigaqo yeFomu 1040 ukubala ukutsalwa, kwaye iphepha lokusebenzela elinokuzifumana lifumaneke kwi- Publication 535 .
- Sebenzisa iphepha lokusebenzela P elifumaneka kwi-Publication 974, iNkcazo yeNtlawulo ye-Premium ukuba ufumene i-inshorensi ngokusebenzisa utshintsho lwempilo yomshuwalense kwaye wanikwa i- credit premium yerhafu yerhafu .