Iseluleko soMnyango wezeMpilo abakhubazekile
Abantu abakhubazekile badinga ukuqonda okucacile ukuthi ukukhubazeka kwabo kungashintsha kanjani izikweletu zabo zentela, nokuthi yini abangayenza ukuze banciphise noma yikuphi isibopho sentela abangaba nayo.
Ngoba ukuhlelwa kwentela unyaka wonke kungabangezela ekuqongiseni intela okubalulekile, nanka izinyathelo ezithile ozithatha ngakho uma kufika isikhathi sokuphela kwentela ka-Ephreli yentela, ulungiselelwe kahle.
Imitheshwana Emithonjeni Ephathelene Nokukhubazeka-Ehlobene Nezimali
Cishe uyazi ukuthi intela yangaphakathi ye-Internal Revenue Service (IRS) isebenza kanjani noma inzuzo yokutshala izimali, kodwa abantu abakhubazekile nabo kudingeka baqonde intela yemithombo ehlobene nokukhubazeka ephathelene nokukhubazeka.
Umshuwalense Wokukhubazeka Wenhlalakahle Wanyangazonke (SSDI)
Ngokuvamile, i-IRS ingakwazi ukukhokhela amaphesenti angaba ngu-50 enzuzo yakho yokukhubazeka kwezenhlalakahle . Ukubala le mali, engeza isigamu semihlomulo yakho ye-SSDI kanye nayo yonke imithombo yakho yeminye engenayo. Uyokweleta intela kunoma iyiphi imali engaphezulu kwezinga lesisekelo. Iphepha lokusebenzela lokuhlola ukukhokhwa kwezinzuzo ze-SSDI litholakala kuwebhusayithi ye-Allsup.
Izinzuzo ze-Lump-Sum SSDI
Kungathatha iminyaka engaphezu kwengu-2 ukuthola izinzuzo zokukhubazeka kwezenhlalakahle, okuholela ekutheni inani lemali ekhokhelwa emuva . Ukukhokha intela kule mali ngonyaka owodwa kuyiphutha futhi kungabangela ukulimaza ngokwezimali.
I-IRS ikuvumela ukuba usakaze intela kule mali yokukhokhwa kwemali eminyakeni eyedlule yentela usebenzisa ukubuyiswa kwentela yonyaka wamanje, kungekho sidingo sokufaka ibuyiselo elilungisiwe.
Nokho, izibalo zinzima, ngakho-ke kuwumqondo omuhle ukufuna usizo lwentela. Uhlu lwezinsiza zentela yamahhala kubantu abakhubazekile lutholakala kuwebhusayithi ye-Allsup.
Imali yeminye Imithombo Yemali
Ukwelashwa kwentela kweminye imithombo engenayo ihlukahluka. Isibonelo, izinzuzo zezinxephezelo zabasebenzi kanye nemonakalo ekhokhelwa ngokulimala ngokuvamile azibhekwa njengentela.
Ukukhokhwa kwezinzuzo zomshuwalense wesikhathi eside (LTD) izinzuzo zomshuwalense kuxhomeke ekutheni ama-premium akhokhelwa kanjani. Uma ukhokhela ama-premium nge-dollar yentela, izinzuzo azifakiwe kwiholo lakho elingeniso. Uma ukhokha amaphrimiyamu okukhubazeka okude isikhathi eside nge-dollar yangaphambi kwentela njengengxenye yecebo lokudlela, isibonelo, noma umqashi wakho akhokhe ama-premium akho, izinzuzo zikhokhwa kuwe futhi kumele zifakwe kwimali engenayo.
Nciphisa Umthamo Wakho Umqulu Wemiholo Yentela
Kukhona izikweletu ezihlukahlukene zentela ezingakusiza ngokuya ngesimo sakho. I-IRS iphinda ibuyekeze njalo inani lalezi zikweletu zonyaka ngamunye wokufaka intela. Phakathi kwazo kukhona:
- Ikhredithi yentela etholakalayo
- Isikweletu sabakhubazekile
- Isikweletu sokunakekelwa okuthembekile
Nciphisa intela yakho ngokunciphisa
Ukuchithwa kungenye indlela abakhubazekile abanganciphisa ngayo imali yabo yentela. Abanye okufanele bacabangele kuhlanganisa:
- Ukwenyuswa kwentela ejwayelekile. Abakhokhi bentela abayimpumputhe noma abangaboni kahle bangase banelungelo lokuncishiswa kwentela ephakeme.
- Ukudonswa kwezokwelapha kungasebenza. Izindleko zeDeductible zihlanganisa izindleko zezokwelapha nezamazinyo, izindleko zokuhamba zonyango, umshuwalense wesikhathi eside, umshuwalense wezokwelapha, kanye nezindleko zemishini ethile kulabo abanokukhubazeka okubukwayo, okuzwayo nezinye izifo.
- Khipha izindleko zokufuna izinzuzo zakho zokukhubazeka kwezenhlalakahle. Ukwenza kanjalo, uzodinga ukukhipha imali ekubuyisweni kwentela usebenzisa iShejuli A yeFomu 1040.
Akekho othanda ukukhokha intela. Kubantu abakhubazekile, ungathuthukisa ikusasa lakho lezezimali ngokubheka kakhulu. Ngokuhlela okuthile kusengaphambili, ungakwazi ukugwema ukukhokha intela ngaphezulu kunalokho okudingayo futhi uthuthukise amandla akho ezinzuzo zentela ezibalulekile.
Mayelana noMlobi:
UPaul Gada ungummeli wetekisi kanye nomqondisi wezokuhlela ezezimali ku-Allsup (www.allsup.com), umhlinzeki womhlaba wonke wokumelela kwe-Social Security Ukukhubazeka Emisebenzi kanye nezinkonzo zokukhetha uhlelo lweMedare. Njengenhloko ye-Allsup Disability Life Planning Centre, ugxile emikhankaso ka-Allsup yokusiza abantu abakhubazekile ukuba bathole izimpilo zabo futhi babhekane nokukhathazeka kwabo okuqhubekayo kwezezimali nezempilo.