Fumana apho i-Social Security Tax and Medicare Taxes Go

Iimali zeRhafu zeFICA IiRhafu kunye neZibonelelo zezoNyango zeRhafu

Ukuba usebenza, mhlawumbi uyazi ngeRhafu yoKhuseleko lweNtlalontle kunye neMirare ephuma kwi-paycheck yakho. Uninzi lwabaqeshwa be-W-2 bahlawula iirhafu kunye neerhafu kwiirhafu zakho, kwaye phakathi kwazo, ngokuqinisekileyo uya kubona ezi zinto zibini.

Ezi zerhafu ziyinxalenye yento eyaziwa ngokuba yerhafu ye-FICA, okanye irhafu ye-Federal Insurance Contributions Act, eyinxalenye yeerhafu zerhafu eziqokelelwa kumbini kunye nomqeshwa - wena, umqeshwa, uhlawule isiqingatha (yiyiphi ubona echithwe kwi-stub yakho yokuhlawula), kwaye umqeshi wakho ukhokhela isiqingatha ngokwahlukileyo.

Kodwa ngaba uyazi kakuhle ukuba ziphi iirhafu?

Emva kweerhafu zentlawulo kunye nekarhulumente, irhafu ye-FICA (iNkcazo yoKhuseleko lwezeNtlalo kunye neerhafu zemirhumo) yenza ubuninzi beerhafu eziqhelekileyo ezithathwe kwi-paycheck yakho. Emva kokuba uqonda apho leyo mali ihamba khona kwaye iya kuhlawulela ntoni, uya kuqonda icandelo elibalulekileyo loqoqosho lwaseMerika.

Apho iRhafu yoKhuseleko lweNtlalo iya khona

Ubuninzi bemali yengeniso ye-FICA iya kwiinkxaso-mali ze- Social Security kwi-United States. Ezi zithemba "zichongiwe ngokusemthethweni," okanye zikhethwe kuphela, ukuxhaswa iinkqubo ezilawulwa nguLawulo loKhuseleko loLuntu:

1. zokuthatha umhlalaphantsi
2. inzuzo
3. izibonelelo zokukhubazeka

Ingeniso yerhafu yeNhlalakahle eqokelelwa kumvuzo wabaqeshwa (oko kukuthi, nabani na onentlawulo yeFICA echithwe kwi-paycheck) ifakwe kwii-trust, eziza kuxhaswa ngeenzuzo zenyanga:

1. abathathe umhlala-phantsi kunye nabatshatileyo abaqeqeshelwe ukuKhuseleko loLuntu ( inzuzo yomhlalaphantsi )

1. abasetyhini kunye nabantwana abancinci kwabasebenzi abafayo (inzuzo)
2. abasebenzi abakhubazekile (izibonelelo zokukhubazeka)

Iindleko ezihambelana nokulawula isicwangciso nazo ziza ngqo kwii-trusts, kodwa zincinci kakhulu: ngaphantsi kwepesenti kwi-dollar nganye ziqokelelele ukuhlawula iindleko zolawulo, ngokubhekiselele kuLawulo loKhuseleko loLuntu.

Iirhafu eziqokelelweyo zingadlula iindleko zamancedo ezikhoyo. Xa oku kwenzekayo, imali ifakwa kwiitrasti kwaye ityalwe ukuhlawula iiprogram zexesha elizayo.

Ezi mali-mali zivumela urhulumente waseUnited States ukuba ahlawulwe ngokukodwa kwi-surplus ukuxhasa ezinye iindawo zikaRhulumente. Yile nkqubo (phakathi kwezinye iinkxalabo malunga neenkqubo zoKhuseleko lweNtlalo) enenkxalabo eninzi malunga nexesha elide leenkqubo zoKhuseleko lweNtlalo. Kodwa ngoku, urhulumente uye wabuyisela imali yakhe mboleko kwi-Trust Security trusts - ngenomdla.

Apho Imirhumo Yonyango Ihamba

Intsalela yemali yentlawulo yaseFICA eqokelelwe kwi-paycheck yakho iya kwinkqubo ye-Medicare, yinkqubo yesigqeba exhasa imali enkulu yokunakekelwa kwempilo yaseMelika.

Ngokungafani noKhuselo loLuntu, iMarharenti ikwaxhaswa ngemali ngeeprayimari nakwimali engenayo jikelele karhulumente, ngoko ayixhomekeke ngokupheleleyo kwiqoqo leentlawulo zerhafu ye-FICA. NjengeKhuseleko loLuntu, nangona kunjalo, irhafu ye-Medicare eqokelelwe kumvuzo wabanamhlanje kunye nabaqeshi babo basebenziselwa ukuhlawula izibhedlele kunye nezindleko zonyango ezithathwa ngabaxhamli beMedare. Ingaba nayiphi na ingeniso yerhafu engaphezu kwemali ibhalwa kwi-Medicare Trust fund.