Umxhamli otyunjweyo
IRA okanye 401 (k) unomxhamli otyunjweyo xa i-decedent iphelile ifomu yokutyunjwa kwe-akhawunti ngaphambi kokuba afe.
Ukuba ubuncinci omnye kulaba baxhamliweyo abaxhamliweyo bahlala kwi-decedent, i-akhawunti yomhlala-phantsi iya kudlula ngqo kuloo mntu ngaphandle kweengxaki. Inqanda ukufikelela kwabathengi bemboleko ngenxa yokuba inxalenye yenkqubo yovavanyo iquka ukusetyenziswa kweempahla zeempahla ukuze zanelise izikweletu. Ukuba i-IRA okanye i-401 (k) ayiyi kuba yinxalenye yelifa, ayikwazi ukusetyenziswa ukuhlawula iindleko zokugqibela zeetyala.
Yintoni eyenzekayo ukuba Akukho Mzuzi oMiselweyo oPheleleyo
Ukuba umntu ogqityiweyo uzalise ifomu yokutyunjwa phambi kokufa kwakhe, kodwa bonke abaxhamliweyo abaxhamliweyo bayayilungiselela, enye yezinto ezimbini ziyakwenzeka:
- IRA okanye 401 (k) i-akhawunti iya kudlulela kwi- estate decentent's probate property kwaye iyafumaneka ukuhlawula iindleko zokugqibela , okanye
- IRA okanye 401 (k) iya kudlulela ngqo kwiindlalifa ze- decedent ngaphandle kombuzo ngokulandela imiqathango ye-IRA okanye i-401 (k) nemigaqo-nkqubo yokuhlawula. Ukuba oko kwenzeka, i-IRA okanye i-401 (k) ayiyi kusetyenziselwa ukuhlawula iindleko zokugqibela zeetyala.
Indlalifa-mkhwenkwe ngumntu onxulumene ngokusondeleyo kunye nomntu ohloniphekileyo, baya kuba nelungelo lokuzuza ilifa kuye ngokungabikho kwentando.
Yintoni eyenzekayo xa i-Decentent ihlulekile ukugcwalisa Ifomu yokuBelwa kweNzuzo
Ukuba i-decedent ayiphumelelanga ukuzalisa ifomu yokutyunjwa kwabangeneli, ezi zimbini zenzeke. Ingaba i-IRA okanye i-401 (k) iya kudlula kwi-estate decate ye-probate estate kwaye ifumaneke ukuhlawula iindleko zokugqibela ze-decedent, okanye i-IRA okanye i-401 (k) iya kudlulela ngqo kwiindlalifa ze-decedent, ezikhuselekileyo ezandleni mboleki.
Yintoni eyenzekayo Ukuba i-Estate Decentent nguNcedo loNcedo
Akukho ndawo yokuqagela echaphazelekayo apha. Iingxelo zomhlala-phantsi ziya kungena kwifa lakhe ukuze ekugqibeleni zihanjiswe kubaxhamli belifa, abo bathiwa ngentando yakhe yokufumana ipropati yakhe. Kodwa aba baxhamli banokulidla ilifa kuphela elishiyekileyo emva kokuba iindleko zokugqibela zentlawulo, irhafu kunye neendleko zokuqhuba ifa zihlawulwa.
Imali yomhlala-phantsi iya kusetyenziswa ukuhlawula ezi ntlawulo kunye neendleko ngaphandle kokuba ifa liqulethe imali efanelekileyo ukwenzela ukuba iyanelise ezinye iimali, njengokuba umntu ofileyo unomgaqo-nkqubo womshuwalense wobomi kunye nemali ehlawulwa kwifa lakhe ngenxa yale njongo.
Eminye imithetho yerhafu enzima inxulumene nefa lempahla yomhlala-phantsi eyi-ERISA-mali, kodwa kunjalo, mhlawumbi ummeli okanye ummeleli welifa uya kuqala ukuthengisa enye impahla ukuba ifa lefa kufuneka lihlanjululwe ukuhlangabezana nale mibopheleleko.
QAPHELA: Imithetho ishintsha rhoqo kwaye le ngcaciso ingabonakali utshintsho lwangoku. Nceda uqhagamshelane nommeli weengcebiso zezomthetho zangoku. Ingcaciso equlethwe kule nqaku ayikho isiluleko sezomthetho kwaye ayifaki indawo yeengcebiso zomthetho.