Abanikazi bamashishini abazimeleyo banokuthi bathathe ama-premium e-inshorensi yempilo evela kwingeniso embi, ukwenzela ukunciphisa imali engenayo engenayo.
Indlela yokuKhutshwa kweMpilo eZisebenzisiweyo
Njengomnini-shishini oqeshwe ngokuzimeleyo, unokubamba iindleko ze-inshurensi yezempilo wena kunye nabatshatileyo bakho, abaxhomekeke kuyo, kunye nabantwana abangaphantsi kweminyaka engama-27 ubudala ekupheleni konyaka werhafu.
Kwiimeko ezithile, unokukwazi ukukhipha ama-premium ne-premium kwi-inshorensi yonyango.
Ukwenza umgangatho isicwangciso kufuneka senziwe phantsi kwe shishini lakho.
Ndingayifumana njani le Mveliso?
Unako ukufaneleka ngokuxhomekeka kwimeko yakho njengomnini webhishini kunye neenzuzo zakho kwelinye leentlobo zoshishino:
- Ukuba ishishini lakho linike ingxelo ngenzuzo yonyaka kunyathelo iShedyuli C okanye iShedyuli C-EZ. Oku kuya kwenzeka ukuba ungumnikazi wedwa okanye umnini-LLC ongu-LLC.
- Ukuba ungumlingani nomvuzo wenzuzo okanye umnyaka, njengoko kuchazwe kwiShedyuli Y-1 yakho (ifom ebonisa umvuzo wakho wonyaka kubambiswano)
- Ukuba uye wasebenzisa indlela yokukhetha ukuba ufumane imali yakho yemali evela kwi-self-employment kwiShedyuli SE, okanye
- Ukuba ufumene umvuzo kwi-S corporation apho ubenomnini-sabelo-ngaphezu kwe-2%.
Ndingayifumana njani le Nkunkuma yokuThengisa?
Ii-premiums ze-inshurensi yezempilo yakho oziqeshwe phantsi zithathwe kwingeniso yakho ephezulu kwibuyisela irhafu yakho kwiphepha 1 (umgca 29), ngaphambi kokuba i-Income Gross Adjustment ibalwe.
Okokuqala, kuya kufuneka ufumane inani lemali-mali ye-inshorensi yempilo yonyaka, wena kunye nabaxhomekeke kwimfuneko.
Emva koko, kuyakufuneka usebenzise iphepha lokusebenzela 6-A. Iphepha leNkcazo yokuKhutshwa kwe-Intshumo ye-Intshurensi ye-Self-Employed, ukusuka kwi-IRS Publication 535 - Intlawulo yezoRhwebo. Uya kufuneka usebenzise iphepha lokusebenzela elithile ukuba i-inshurensi yakho ingomnye weevenkile zokuthengisa.
Ifomu oyicelayo:
Imali ehlawulwa ngonyaka "inkonzo yomshuwalense esungulwe phantsi kwebhizinisi lakho (okanye i-S corporation apho ungumnikazi wesabelo-ngaphezu kwe-2%) kuwe, lakho iqabane kunye nabaxhomekeke kuyo."
Ukulungiselela isicwangciso sokunyamekela esikhatyathele ixesha elide , kuya kufuneka ufake imali oye uyihlawula, ngokuxhomekeke kwisixa esiphezulu sentlawulo, kuxhomekeke kwiminyaka yakho. Nantsi isimiso:
- $ 390- ukuba loo mntu uneminyaka engama-40 okanye emncinci
- $ 730- ukuba uneminyaka engama-41 ukuya kuma-50
- I-1,460 yeerhafu- ukuba uneminyaka eyi-51 ukuya kuma-60
- $ 3,900- ukuba uneminyaka engama-61 ukuya kuma-70
- $ 4,870- ukuba uneminyaka eyi-71 okanye ngaphezulu
Emva koko uya kufuneka ufumane inzuzo enetyala kwi shishini lakho. Isixa sokuncitshiswa silinganiselwe ngokusekelwe kwingeniso yakho yoshishino. Akukho nzuzo, akukho nciphiso.
Le fomu inzima. Gcwalisa ishidi lokusebenzela (okanye wenze i-preparer yakho yentela wenze oku) kwaye uyithumele ngentlawulo yakho yentlawulo.
Ukukhutshwa kweeNyanga zeeNkcazo zeNtsholongwane
Iintlawulo ezihlawulwayo kwi-inshorensi yenkxaso-mali yangexesha elide inokudityaniswa. Ukuncitshiswa kuncinci kwinqanaba elincinci elihlawulwayo okanye umyinge we-dollar umyinge ngokusekelwe kwiminyaka yakho.
Ukuze ufanelekele oku kuhluthwa, kufuneka uhlawule iipriyamu kwi-khontrakthi yonyango yenkxaso-mali ekhuselekileyo ekhuselekileyo ehlangabezana neemfuno ezithile, kuquka ukuba kufuneka ivuselelwe.
Umgaqo-nkqubo kufuneka unike iinkonzo zonyango lwexesha elide.
Ngaba kukho izibambiso kule Ntlawulo yeRhafu?
Ukuxothwa kwe-premium yokunakekelwa kwempilo kufumaneka kuphela ngenzuzo; ukuba ishishini lakho lahlekelwa yilahleko, awukwazi ukubangalela le ncitshiso. Iintlawulo zentsapho yakho nazo zinokuncitshiswa, ngokusekelwe kwimimiselo efana neyo ngasentla.
Kufumaneka kuphela kubantu abaqeshwe ngabanye, kungekhona abanikazi benkampani (abangabasebenzi).
Ukuncitshiswa akufumaneki ukuba unelungelo lokufumana i-inshorensi yempilo yomnye umqeshi (kubandakanye nomqeshi womlingane wakho), nokuba ngaba awuzange uthathe inxaxheba kule nkonzo yomshuwalense.
Kakade ke, kukho ezinye izithintelo kule nkcitho yokunakekelwa kwexesha elide. Funda ngabo kule candelo le-IRS Publication 535: Ukuchithwa kwezorhwebo.
Ukuziphendulela: Ulwazi olukule nqaku nakule ndawo alujoliswanga ukuba irhafu okanye isiluleko somthetho. Ulwazi malunga nalokhu kuhluthwa luyinkimbinkimbi; kukho imida emininzi kunye nemingcele. Nceda ukhangele kunye neengcali zakho zerhafu ngaphambi kokuba uthathe le ntsalela, kwaye ufumane uncedo ngephepha lokusebenzela.