INkqubo ye-OASDI isebenza njani?
Inkqubo yoKhuseleko loLuntu (i-OASDI) izibonelelo zeNkxaso-mali yoKhuseleko lweNtlalo kubasebenzi kunye nabanikazi abancinci abanikezelayo umvuzo wabo, imivuzo kunye neminye imivuzo ngenxa yokusebenza komsebenzi wabo, ukufikelela kwisixa esiphezulu semali nganye ngonyaka.
Le nkqubo ixhaswa ngemali evela kubasebenzi nabaqeshi ngokusebenzisa irhafu ye-FICA . Le rhafu isekelwe kwipesenti yomvuzo omkhulu, kwaye umqeshwa nomqeshi banikela ngexabiso elilinganayo. Abanini bamashishini abancinci bahlawula irhafu efanayo, ebizwa nge- SECA (okanye irhafu yengqesho) , esekelwe kwingeniso yemali yamashishini abo. Bobabini abasebenzi kunye nabasebenzi abaqeshwe ngabanye bahlawula irhafu kwi-Medicare / Medicaid fund, eyingxenye yerhafu ye-FICA.
Yintoni endiyidingayo ukuyiqonda nge-OASDI njengoMqeshi?
Njengomqeshi, unemisebenzi emininzi ephathelene ne-OASDI kunye ne-FICA yentlawulo:
- Abaqeshi kufuneka banqabe irhafu ye-FICA kuzo zonke iintlawulo zokuhlawula bonke abasebenzi kuze kube yilapho umqeshwa efikelele kwi-Social Security maximum.
- Abaqeshi kufuneka babeke eceleni (njengoko " iirhafu zerhafu ezihlawulwayo" ) inani elilinganayo kumqeshwa ngamnye kwixesha ngalinye lokuhlawula, njengengxenye yomqeshi yentlawulo ye-FICA.
- Abaqeshi mabaxele ixabiso elithintekayo kumvuzo wokuqeshwa kwabaqeshwa nganye kwikota kwiFomu ye-IRS 941 kunye
- Yenza iintlawulo zemihla ngemihla kwi-IRS yomqeshwa nomrhumo womqeshi kwiirhafu ze-FICA.
- Bika kubasebenzi ngamnye ngonyaka kwingeniso yabo yonke nenzuzo yoKhuseleko lweNtlalo kunyaka wonyaka werhafu, kwiFomu W-2.
Yintoni endiyifunayo ukuba ndiyazi malunga ne-OASDI njengomnini-shishini loNcinci?
Unyaka ngamnye, xa ugcwalisa irhafu yakho yentlawulo yerhwebo kwi- IRS iShedyuli C, uya kufuneka ubale inani leerhafu yerhafu ozimele.
Oku kubalwa kwiShedyuli SE. Iirhafu ze-OASDI kunye ne-Medicare zongezwe kunye ukuze zenze irhafu yengqesho.
Emva koko, kuya kufuneka uhlawule irhafu yerhafu yokuzibandakanya ngaphezu kwerhafu yakho yerhafu yonyaka. Zibini zombini zerhafu zisekelwe kwingeniso yemali ebhizinisini lakho.
Qaphela ukuba irhafu yereyithi ingabandakanyi kwiimali ozithatha kwi shishini lakho njengomnini, ngoko unokufuna ukuhlawula irhafu eqikelelwayo kunyaka ukuba umthwalo wakho werhafu uphakeme kakhulu. Hlola kunye neengcali zakho zerhafu ngolwazi olungakumbi malunga neerhafu zerhafu kunye neerhafu eziqikelelwayo.
Abanikazi bamashishini akufanele bahlawule irhafu yeNtlalo kunye noTywala kwizabelo ezifunyenweyo, kodwa kufuneka bakhokhe iirhafu ukuba basebenze njengabasebenzi kwimashishini abo.