Uma izindleko zakho zezokwelapha ziqhubeka ngesikhathi ukwelashwa umdlavuza webele , kufanele ukwazi ukubuyisela okungenani ezinye zezindleko zakho ezingaphandle kwezimali zentela ezayo. Ungase umangale ngalokho okufaneleka njengezindleko zezokwelapha ezingase zibheke njengenkokhelo yentela-i-wigs, i-psychotherapy, kanye nokuhamba, nje ngegama. Ake sibheke ukuthi yini okufanele uyenayo ngaphambi kokufaka.
Ukukhishwa kwentela kwezokwelapha
Uhulumeni wesifundazwe ubeka okungenani izindleko zezokwelapha okumelwe uzuze ngonyaka onikeziwe wokubathengisa ezintela zakho. Kumele kudlule amaphesenti ayishumi emali engenayo yakho ehlelwe (AGI). (Hlola intela yonyaka odlule yereferensi uma ungaqiniseki ngaleli nani.) Isibonelo, uma i-AGI yakho ingama-$ 40,000, izindleko zakho kuzodingeka zibe okungenani $ 4,000 noma ngaphezulu ukuze kube nokusetshenziswa kwezintela zakho.
Kubaningi abakhokhi bentela, lelo bundu libeka ukuxoshwa kwezokwelapha ngaphandle kokufinyelela. Iziguli zomdlavuza webele, isamba esidingekayo singafinyelelwa kalula noma sidlule kalula. Izindleko ezihlobene nokwelapha umdlavuza webele zihlukahluka ngokuya ngesimo sakho, ukwelashwa kwakho, kanye nomshwalense wakho.
Ucwaningo olulodwa lwathola ukuthi izindleko ezijwayelekile zonyaka wokuqala wokuphathwa komdlavuza webele zivela ku-$ 16,226 kuya ku-39,305. Kodwa-ke, esinye isifundo sathola izindleko eziphelele zokunakekela abesifazane abanomdlavuza webele we-metastatic kwaba ngu-$ 128,500.
Uma ngokuvamile uzenza intela yakho kodwa engasetshenziselwa inqubo eyinkimbinkimbi yokwenza, lokhu kungase kube unyaka wokuqasha i-akhawuntiant ongayithola yonke into ehleliwe kuwe. Abantu abaningi bathola ukuthi basindisa imali engaphezu kwalokho abayichitha ukuqasha i-akhawunti enhle. Uma ungathanda ukuqhubekela phambili ngokwakho, nansi okuyisisekelo:
- Ungakwazi ukukhipha izindleko ozikhokhayo, oshade naye, ingane ethembekile, noma esinye isihlobo esithembele sokunakekelwa kwezempilo okusekelwa ngokwezimali. Ngamanye amazwi, "amaphesenti angu-10" owafinyelela angabandakanyi izindleko zakho zokwelapha ezidonswa kuphela kodwa zomlingani wakho kanye nezingane. Uma ufaka ema-eyeglass nama-braces, leyo namba ingavuka ngokushesha.
- Awukwazi ukusho noma yini ebuyiswe nge-akhawunti yokusebenzisa imali (FSA).
- Kumele ugcine amarekhodi amahle (amaresidi, izitatimende zasebhange, njll) ukuthi i-akhawunti yonke imali efanele (ichazwe kabanzi kanje).
- Kufanele ufeze iShejuli A, ifomula 1040. I-1040 elula kuphela noma i-1040 EZ ayikwazi ukusetshenziselwa ukukhipha lezi zindleko.
Yini eDeductible?
I-IRS incazelo ephelele yalokho okufaneleka njengezindleko zezokwelapha ezifanelekile. Ngaphezu nje kokukhokhela imali kanye nemigomo, kungabandakanya cishe noma yiziphi izindleko ezithathwe njengomphumela oqondile wezokwelapha noma ukunakekelwa kwamazinyo. Incazelo ephelele itholakala lapha.
Isiguli somdlavuza wesifuba, izibonelo zifaka:
- Ukuthutha nokuya ekwelapheni kanye nokulala uma kudingeke ukuba kuhlale ubusuku obuningi (imikhawulo ethile efana nenani elingadalulwa lisebenza).
- Ama-wigs athengwe ngemuva kokulahlekelwa izinwele ngenxa yokugula noma ukwelashwa.
- Ukuhlinzwa kwesisu ngemuva kwe-mastectomy.
- Izinkokhelo ezenziwe ohlelweni lokuqeda ukubhema , kodwa hhayi ngezokwelapha ezingaphezu kwezinto ezifana ne-nicotine gum noma ama-patches.
- Ukuthuthukiswa kwekhaya ukukhulisa ukufinyeleleka, njengokunciphisa amakhandishi ekhishi noma ukufaka izinhlelo zekhomende ezinciphisa isidingo sokufinyelela okuphezulu.
- Ukwelashwa ngokomzimba noma ukwelashwa kwezidakamizwa-njengeTamoxifen noma i- Herceptin enqunywe ngesikhathi noma emva kokuphathwa kembulavuza webele-noma ngabe ngabe umshwalense wakho awufihli.
Funda kabanzi ukuthi yiziphi izindleko zomdlavuza ezikhishwa intela , kanye nokuthi yiziphi izinhlobo ozodinga ukubika lezi zinxephezelo.
Yini Engaqediwe?
Kulula ukuthathwa futhi uqale ukufaka amarisidi wezinto ezincane. Kodwa ungafaki izinto ezingaxhunyiwe ngokuqondile ekunakekeleni okudinga usizo lwezokwelapha noma kwamazinyo. Izibonelo zifaka:
- Izinqubo zezimonyo ezihlanzekile, ezinjengokukhishwa kwezinwele noma ukucwilisa amazinyo.
- Izindleko zokudla okunempilo, ngaphandle uma zichazwe ngokucacile njengengxenye yesimo sakho.
- Imishanguzo yomshuwalense noma iminikelo yokusebenzisa i-akhawunti yokusebenzisa imali.
Ukulandelela
Khetha ilungu lomndeni elisebenzayo ukuthi libe ngumgcini wakho werekhodi uma ungeke ukwazi ukukwenza. Lo muntu kufanele agcine ifayela eliqukethe wonke amarekhodi, irekhodi elikhanseliwe, njll-ukuthi uzodinga ukwenza isimangalo sakho. Kungaba usizo ukufaka ngayinye yalezi eshadini njengoba beza ukugwema ukubhukuda phakathi kolwandle lwamaphepha ekupheleni konyaka.
Ngezansi Kwezindleko Zentela Nge-Cancer Sebele
Njengoba izinkampani eziningi zomshuwalense manje zidinga ukuthi abantu bakhokhele ingxenye yezinsizakalo zezokwelapha, abantu abaningi bahlangana kalula ngokunqunywa kwamaphesenti angu-10 okwenza ukukhishwa kwezokwelapha kube usizo. Uma unomlingani nezingane, kuyamangalisa ukuthi leyo namba ingavuka ngokushesha kangakanani, ikakhulu lapho ubheka ngokucophelela zonke izindleko ezivela kwisisombululo se-lens, ukunakekelwa kwamazinyo, izindleko zokuthutha ukuya nasemitholampilo nasezibhedlela.
Ukuze ukwandise intela yakho yentela kubalulekile ukugcina amarekhodi aqaphele. Abantu abaningi bakuthola kuwusizo ukurekhoda izindleko ezincwadini zezincwadi noma efayeleni elihle kakhulu kukhompuyutha yabo njengoba kwenzeka, kunokuba bazame ukuqoqa wonke la maxwebhu avela ebhokisini lesigqoko ngaphambi nje kwezinsuku zokukhokha intela. Ukuqasha i-akhawuntiant ngokuvamile kuyabiza kakhulu uma unquma ukukhipha izindleko zezokwelapha.
> Imithombo:
> Isevisi yangaphakathi yeNgeniso. Isihloko 502 - Izindleko zezokwelapha nezamazinyo. https://www.irs.gov/taxtopics/tc502
> Vera-Llonch, M., Weycker, D., i-Glass, A. et al. Izindleko zokunakekelwa kwezempilo kwabesifazane abane-Metastatic Cancer Breast ekutholeni i-Chemotherapy njengeNhloko Yokwelashwa Okuyinhloko. I-BMC Cancer . 2011. 11: 250.