Izicwangciso zoNgeniso lweRhafu UkuNciphisa iintlawulo Ukusebenzisa iindleko zonyango
Ukuchithwa kwe-Itemized for Expenditure Expenses
Ezinye zeendleko zakho zonyango zichithwa irhafu xa uthetha.
Ukuba zonke iindleko zonyango zakho zingaphaya kweepesenti ezili-10 zomvuzo wakho ongezantsi, ungafaka ibhalansi. Ukhetho olukhethekileyo lukhona kubahlawuli berhafu abaneminyaka engama-65 okanye ngaphezulu, kodwa kuphela ngonyaka werhafu ka-2016-ukubuyiswa kwentela oya kufaka okanye phambi ko-Apreli 18, 2017, umhla wokugqibela. Umyinge ngowama-7.5 ekhulwini kuphela ngo-Disemba 31, 2016, kodwa ke ukwanda ukuya kuma-10 ekhulwini.
Iimfuno zoNyango
Ngokuqhelekileyo, iindleko zonyango ziya kulungelelanisa ukutsalwa kweemali ukuba zihlawulelwe ukuxilongwa, unyango, ukunciphisa, unyango okanye ukukhusela isifo okanye imeko echaphazela nayiphi na into okanye umsebenzi womzimba. Iindleko zokufaneleka ziquka:
- Iindleko zeenkonzo zonyango ezivela kumagqirha, oogqirha, oogqirha bamazinyo kunye nabanye ootitshala bezonyango;
- Iindleko zemithi echazwe yicandelo lezonyango
- Iindleko zezixhobo zonyango, izixhobo, kunye nempahla enqunywe ngunyango lwezonyango, njengeeklasi
- Iindleko zempilo yee-insum zomshuwalense zezinyununu zinikezelwa ukuba zingabhawulwa ngumqeshi wakho
- Iindleko zokunyamekelwa kwexesha elide kunye ne-inshorensi yonyango elide
- Iindleko zokuthutha kunye nokufaka indawo yokuya kwindawo yokunakekelwa kwezempilo, kubandakanya i-mileage kwisantya sama-17 eekhilomitha nganye nge-2017.
Ukunyangwa kwamayeza angaphezulu, izongezelelo zondlo, iivithamini kunye nezinto zokuncedisa okokuqala azifanelekanga ngaphandle kokuba zichazwe ngunyango lwezobugcisa.
Izinto ezilawulwayo ezifana ne-cocaine ne-marijuzana azithengiswa irhafu nangona zichazwe.
I-akhawunti yeFlexible Spending Accounts (FSA)
Abanye abasebenzi bafanelekile ukuseta ii-akhawunti zenkcitho ye-medical flexible (FSA) ngokusebenzisa abaqeshi babo. Izicwangciso ze-FSA zivumela abasebenzi ukuba basindise imali yentlawulo engaphambili yerhafu ngokuchithwa kwemirhumo yee-payroll, kwaye balethe iindleko zonyango ezahlukeneyo kwi-akhawunti yokubuyiselwa. Unokuba negalelo elifikelela kuma-2,600 e-year ngomqeshi ngamnye ngo-2017, kwaye ukuba usatshatile, umlingane wakho unokufaka isandla kwi $ 2,600 kwi-FSA yakho. Iindleko zonyango ezifanelekileyo zibandakanya i-co-pay, i-deductibles, imirhumo kunye neminye imithi. Impendulo kukuba kufuneka usebenzise imali ngaphakathi konyaka - awukwazi ukuyigcina kwixesha elizayo lempilo.
IiAkhawunti zeNtlawulo zeMpilo (ii-HRAs)
Abanye abaqeshi banikela ngeakhawunti yokubuyiselwa kwempilo yabo. Umqeshi uza kubuyiselwa ngokufanelekileyo umqeshwa kwiindleko ezithile zonyango ezifanelekileyo. Ukubuyiselwa kwemali akukho ntlawulo. Umqeshi wakho uncedisa kwisicwangciso ongayifaka isicelo sakho sokubuyiselwa, kwaye ngokungafani ne-FSA, imali ingayigqitha kwiminyaka elandelayo xa ungayisebenzisi.
IiAkhawunti ze-Savings Health (HSAs)
Umhlawuli werhafu unokumisela i- akhawunti yokulondoloza impilo (HSA) mhlawumbi okanye ngecebo leqela kunye nomqeshi wakhe.
NjengamaFSA, ii-HSA zi-akhawunti yokulondoloza intlawulo engaphambili. Ngokungafani ne-FSAs, i-akhawunti yokulondoloza impilo ayinayo "isetyenziso-okanye-yokulahleka" into yokugcina imali. Abanikazi beakhawunti yokulondoloza impilo bangasebenzisa imali yabo yokugcina imali yokuhlawula iindleko zonyango kwi-tax free. Kufuneka ube neprogram ye-inshurensi yezempilo ephezulu. I-HSA inceda ukuchasisa iindleko ze-out-of-pocket zomgaqo-nkqubo.
UkuCwangciswa kweRhafu kwiZonyango zonyango
Ngokuqhelekileyo kulungele ukusebenzisa isicwangciso sokulondoloza intlawulo ngaphambi kokuhlawula iindleko zonyango ngaphandle kokuthatha inqununu. Ngenxa yokuba i-FSA, i-HSA kunye ne-HRA izicwangciso zibamba imali engekahlawulwanga yerhafu, naziphi na iindleko zonyango ezihlawulwe kulezi zicwangciso zichithwe kwipesenti ezingama-100 apho ukuchithwa okubhaliweyo kukuthi, ekugqibeleni, kuhlawulwa irhafu kuphela.
Naliphi na iindleko zonyango ezipheleleyo zonyaka zingaphantsi kwama-10 ekhulwini lomvuzo wakhe opheleleyo oya kutshintshwa aziyi kuba nako ukufaka isicelo sokuncitshiswa kuwo onke, kwaye abo abanokuncitshiswa okuqhelekileyo kunamanani angaphezulu kweemali zabo ezithathelwe phantsi baya kugqiba ukuhlawula irhafu ngaphezulu ingeniso kunokuba kufuneka ukuba baxelelwe.