Ukwazi Imithetho Kungakusiza Imali
Ingabe usanda ukuthola umklomelo we- Social Security Disability Insurance (SSDI) ngenkokhelo enkulu? Nakuba kuyisikhathi sokuthola izinzuzo zakho ekugcineni, kuletha umbuzo wokuthi ungakhokhisa kangakanani intela kuyo. Le mali ayikho intela, kodwa ngabe uzokhokha intela incike kwimali engenayo, izinkokhelo, nezinye izinto eziningi. I-IRS inikeza ishidi lokusebenzela ukuthola ukuthi uzothola malini.
Ukusebenzisa izinzuzo ze-SSDI nokulinda isahlulelo kungaba inqubo ende, ngezinye izikhathi kuthatha izinyanga noma iminyaka. Abantu abaningi abanikezwa izinzuzo ze-SSDI bathola inkokhelo yokukhokha ukukhokhela izinkokhelo ezinyangeni phakathi kosuku lwabo olusemthethweni lokukhubazeka futhi lapho ekugcineni bazuzwa izinzuzo. Eminye isheke esikhulu, noma kunjalo, kungenzeka ukuthi ubuyela ku-Uncle Sam njengezintela. Intela yokuthola imali ayigcinwanga ngokuzenzekela, ngakho awufuni ukumangala okumangalisayo ezinyangeni ezimbalwa phansi komgwaqo.
Ingxenye yemihlomulo yakho ye-SSDI iyakhokhiswa ngonyaka ngamunye
Ngokommeli wezezimali uPaul Gada we-Allsup Disability Life Planning Center, ukukhokha njalo kwe-SSDI yenyanga kungabangeli ukukhathazeka okukhulu ngoba, ngokwesilinganiso samaRandi ayi-1,165 ngenyanga (ngo-2015), abantu abaningi abathembele kulo njengomthombo wabo kuphela imali engenayo ingakhokhiswa intela. Kodwa-ke, ukubika imali eyinzuzo njengengeniso yonyaka werhafu owodwa kungabangela ukukhokha intela. Ungaphetha ukukhokha okungaphezu kwalokho okudingayo ukukhokha uma ungatholi iseluleko esifanele.
Kuze kube ngamaphesenti angu-50 ezenzuzo zokukhubazeka kwezenhlalakahle zikhokhiswa ngonyaka. "Imali yangempela inqunywe ngokungeza ingxenye eyodwa yenzuzo ye-SSDI yomkhokhi wentela kuyo yonke imithombo yakhe yemali engenayo." Ukubuyiswa kwentela yentela kumele kuhanjiswe uma imali eyinzuzo engaphezu kwemali ngayinye ngemithetho ye-IRS, "kusho uGada.
Kungakhathaliseki ukuthi ukhokhwa intela ngenxa yokukhokhwa kwemali kuzoxhomeka ekutheni uthola kangakanani nokuthi imali engakanani onayo ngesikhathi seminyaka yentela inkokhelo ehlanganisiwe.
Sebenzisa Ukushicilelwa kwe-IRS 915 Amaphepha Okusebenzela Ukubonisa Imali Yakho
Kungase kukuzuzise ukubiza yonke imali yesamba semali yentela yonyaka wamanje noma ukusebenzisa ama-worksheet e-IRS ukuze uyisakaze eminyakeni yentela yangaphambilini. Ngeke ushintshe ukubuyiswa kwentela yakho yangaphambilini, uzothola ukuthi kuyini inzuzo usebenzisa ishidi lokusebenzela elifakwe ngokubuyisela kwentela yakho yamanje. Uzokhokha imali encane njengoba kunqunywe ishidi lokusebenzela.
Uma uthola inkokhelo yokukhokha i-SSDI, uzobona inani elifakwe ebhokisini le-3 leFomu SSA-1099 etholakele kwi-Social Security Administration. Ama-Worksheet anikezwe ku- Publication ye-IRS 915 angasetshenziselwa ukunquma ingxenye ekhokhiswayo yokukhokha kabusha kwe-SSDI.
Gada uqaphele ukuthi kungaba nzima noma ukudideka ukwenza lokhu ngesandla. Kungcono ukuphathwa ngokucophelela nge-software yokulungisa intela noma ukusebenzisa uchwepheshe wezentela ukulungisa ukubuyela kwakho.