IiNyanga zeeNkampani zeInishoni ze-inshurensi njengeziThutho
Iifom ze-IRS kunye noshicilelo
Abanikazi bamashishini amancinci bangafunda ukuba zinjani iintlobo zee-premium ze-inshurensi ezichithwe ngokubambisana ne- IRS Publication 535 , iindleko zoshishino. Isahluko 6 sale ncwadi sijolise kwi-inshurensi. Iquka iphepha lokusebenzela elizisebenzisayo abazisebenzisayo ukubala ukuchithwa kwabo kwiingxowamali zonyango kunye nezokwezinyama.
Ezinye izixhobo ezibalulekileyo ziyimpembelelo ye-IRS 334 , isiKhokelo soRhafu seShishini elincinci, kunye ne- IRS Ukupapashwa kwe-15-B , isiKhokelo seRhafu sikaMqeshi kwiNzuzo yeziNtu. Ukupapashwa kwe-334 kwenzelwe abantu abaqeshwe ngabasebenzi okanye abasebenzi abasemthethweni. Ukupapashwa kwe-15-B yenzelwe ukufundisa abaqeshi kwonyango lwerhafu leenzuzo.
Gwema iingxaki nge-IRS
Kunyaka ngamnye abanikazi bezentengiselwano abancinci bazama ukuphepha ukuhlawula irhafu ngokusebenzisa iindlela ezahlukeneyo zokukhutshwa kweerhafu. I-IRS iyaziqonda ezi zicwangciso. Ukunyamekela kwayo kwenzile inkqubo yokufakela irhafu kunzima kunabanini beshishini abanyanisekileyo.
Inkqubo ingaba nzima ngakumbi kwiindidi zamashishini ezidweliswe ngezantsi. Ukuze ugweme iingxaki nge-IRS, amashishini afanele afune uchwepheshe wezentlawulo oqeqeshekileyo ukuze abancede balungiselele ukubuya kwabo. Ingcali yerhafu ingakuqinisekisa ukuba ukutsalwa kwe-premium kusemthethweni kwaye kubalwa ngokuchanekileyo.
- Inkampani eLungu eliLawulayo eliPhezulu eliNcinci okanye iStockholder Corporation . Qhagamshelana neengcali zerhafu owaziyo izigwebo ze-IRS kunye neesetyhula zangoku.
- Usomashishini ozimele. Enye yeenzuzo zokuqhuba ishishini njengomnikazi wedwa nguye amandla okubamba iiprojama ze-inshorensi yezempilo kwi-tax return yakho. Abantu abaqeshwe ngokuzimeleyo banokukrazula ama-premium abaye bawahlawula ngonyango, amazinyo, kunye ne-inshorensi yokunyamekela ixesha elide ngokwabo kunye namalungu entsapho. Imithetho ipapashwe kwi-Publication 535. Izizathu zingasetyenziswa. Ngaloo ndlela, ukutsalwa kwakho kufuneka kuhlaziywe ngutitshala werhafu oqonda imeko yakho.
- Amacandelo ahlukeneyo. Amanye amashishini adala amaqela ahlukeneyo ukwenzela ukunciphisa ingozi yabo. Ngokomzekelo, inkampani inokuseka isibonelelo esithenga izithuthi ize ibenqeshise kwi nkampani yomzali. Qhagamshelana neengcali zerhafu ngaphambi kokuba udale into entsha. Cela ubuchwephesha ukuba uchaze ukuba yiyiphi intlawulo ze-inshurensi ongazithathayo.
IiNyanga eziNokuthi ungazenza
I-IRS ivumela ukuncitshiswa kweendleko "eziqhelekileyo nezindleko ze-inshurensi" njengendleko yoshishino njengoko nje iindleko zorhwebo, ishishini okanye umsebenzi. "Iindleko eziqhelekileyo" yinto eqhelekileyo kwaye yamkelwe ngohlobo lwakho loshishino.
Iindleko "ziyimfuneko" ukuba luncedo kwaye lufanelekile (kodwa kungeyona imfuneko) kwishishini lakho. Upapasho 535 lu dwelisa oku kulandelayo njengoko kuthatyathwa ngokutsha kweprayim:
- I-inshurensi ebandakanya umlilo, isiphepho, ukweba, izingozi njl (inshuwalense yepropati yoshishino)
- I-inshorensi yemboleko ehlanganisa ilahleko kwiimali ezibi
- I-hospital hospital kunye ne-inshurensi yonyango yabasebenzi, kuquka ne-inshorensi yexesha elide
- Inkonzo yinshorensi
- I-inshurensi yokungabikho kwempahla ejongene nomthwalo wakho wokunyaniseka okubangelwa ukulimala okanye ukulimala kwizigulane okanye abathengi
- Inkokhelo yempesenti yomsebenzi yabasetyhini ebekwe ngumthetho karhulumente obandakanya nayiphi na amabango ngenxa yokonzakala komzimba okanye izifo zomsebenzi ezixhatshazwa ngabasebenzi kwishishini lakho, kungakhathaliseki ukuba
- Iminikelo kwingxowa-ngxowa-mali yengxowa-mali yengarhulumente ukuba ithathwa njengerhafu phantsi komthetho kaRhulumente
- I-inshorensi yolawulo elihlawula iindleko zentlawulo yezoqoqosho ezinazo kwixesha elide lokukhubazeka elibangelwa yingozi okanye ukugula
- Intshuwalense ngokuzenzekelayo kunye nezinye i-inshurensi yezithuthi ezibandakanya izithuthi ezisetyenziselwa ishishini lakho, ukulimala kunye nezinye ilahleko. Qaphela ukuba unako ukukhawuleza iipresimesi zomshuwalense kuphela xa usebenzisa indlela efanelekileyo yokujonga iindleko zeemoto. Awukwazi ukukrazula iipommiyam zeemoto xa uthatha umlinganiselo wokuncitshiswa kwezinga le-mileage .
- Ubshuwarensi yobomi ekhupha amagosa akho kunye nabasebenzi ukuba awukho ngqo okanye ngenye indlela umzuzi phantsi kwesivumelwano
- I-inshurensi yokuphazanyiswa kwamashishini ehlawulela inzuzo elahlekileyo xa ishishini lakho livalelwe ngenxa yomlilo okanye esinye isizathu
Iintlawulo ezingenakukwazi ukuzenza
Ezinye iiprimiyamu ze-inshorensi zoshishino ziyaxothwa. Imithetho ye-IRS ivimbela amashishini ekudambiseni oku kulandelayo:
- Izixa-mali ezihlawulwayo ukusekela indawo yokugcina i- self-insured
- Iimali-mali ezihlawulwe umgaqo - nkqubo ohlawula umvuzo olahlekileyo ngenxa yokugula okanye ukukhubazeka
- Iinshurensi ezithile zobomi kunye nama-premiums annuity
- Iimali-mali ezihlawulwa kwi-inshurensi ukufumana imali mboleko
Olu luhlu oluqhelekileyo lokuncitshiswa kunye nokukhutshwa okushicilelwe yi-IRS. Ezi zithintelo zingatshintshwa unyaka unyaka kwaye zingekho phantsi. Ngaphezu koko, into yokuba ukuhluthwa kuchazwe kwi-IRS papasho ayithethi ukuba isebenza kuwe.
IiNyanga zeeNyanga zivuthiwe zithathwa ngonyaka werhafu abazisebenzisayo. Awukwazi ukuhlawula iiprimiyamu ozihlawule ngaphambili. Ngokomzekelo, cinga ukuba uthenge umgaqo-propati osebenzayo kwikota emithathu. Awukwazi ukurhoxisa i-premium epheleleyo kunyaka wokuqala umgaqo-nkqubo usebenza. Kunoko, unako ukususa enye yesithathu ye-premium nganye kwiminyaka emithathu.
Ehlelwe nguMarianne Bonner