Ziziphi iindawo ezikhethiweyo zerhafu zokuthatha umhlalaphantsi?
Amazwe aKhuselekileyo ukhuseleko lweNtlalo
ISithili sase-Columbia kunye namanye amazwe angama-27 axoxela zonke iintlawulo zeNtlalo kwiintlawulo zerhafu. Lezo zizwe zi: Alabama, Arizona, Arkansas, California, i-Delaware, i-Georgia, iHawaii, i-Idaho, i-Illinois, i-Indiana, iKentucky, iLouosana, iMaine, i-Maryland, iMassachusetts, iMichigan, i-Mississippi, eNew Jersey, eNew York, eNorth Carolina, e-Ohio, e-Oklahoma. , Oregon, ePennsylvania, eSouth Carolina, eVirginia naseWisconsin. I-Iowa iya kubangela irhafu yerhafu kwi-Social Security phakathi kuka-2007 no-2014.
UkuThuthwa koKhuseleko loLuntu
Amazwe asele kunye neerhafu zentlawulo yomntu siqu zibandakanya inzuzo yeNtlalo yeNtlalo kwingeniso ehlawulwa irhafu kwizinga elithile:
- I-Connecticut, i-Iowa, iKansas, eMissouri, kunye ne-Montana irhafu yentlalo yeNtlalo Inzuzo kuxhomekeke kwinqanaba lomvuzo lomhlawuli-ntlawulo. Ngokomzekelo, i-Connecticut ityala inxalenye yentlawulo yeNtlalo yeNtlalo yabakhokhi berhafu abangabhawuli abakhokheleyo abangenayo imali engaphezulu kwama-50,000 (i-60,000 zamawaka angama-60,000 ngokutshata ngokutshata ngokubambisana). Iintlawulo zeKansas Inzuzo yabasebenzi berhafu abakhokhwa ngaberhafu abane-AGIs ngaphezulu kwama-$ 75,000.
- I-Colorado, iNew Mexico kunye ne-Utah kuphela ngaphandle kweenxalenye zeNtlawulo yeNhlalakahle yeNtlalo kuxhomekeke kwiminyaka yomhlawuli werhafu. Ngokomzekelo, iColorado ivumela abahlawuli berhafu abaneminyaka engama-55-64 ukuba bangabandakanyi i-$ 20,000 ye-Social Security kunye ne-income pension. Abathengi abaneminyaka engama-65 nangaphezulu bangabandakanyi i-$ 24,000. Nantoni na ngaphezu kwexabiso lokukhutshwa liya kuhlawulwa.
- EMinnesota, eNebraska, eNorth Dakota, kwisiQhingi saseRhode, eVermont naseNtshonalanga yeRhafu yeNkcazo yeNhlalakahle yeNtlalo kwindlela ehlawulwa ngayo kwi-feraleral return return.
Ukuxhomekeka kweRhafu yeSizwe kwiPesheni zePesheni
Amanye amazwe axoxela ipenshini yempi kwiintlawulo zerhafu ngokupheleleyo. Ezi zilandelayo: Alabama, eHawaii, e-Illinois, eKansas, eKentucky, eLouisana, eMassachusetts, eMichigan, eMississippi, eMissouri, eNew Hampshire, eNew Jersey, eNew York, e-Ohio, ePennsylvania, eTennessee naseWisconsin.
Ezinye iindawo ezininzi zivumela inxalenye ethile yengeniso yempesheni yomkhosi ukuba ingabandakanywa.
Iintlawulo zikaRhulumente kunye neePenshini zikaRhulumente
Imithetho yaseburhulumenteni iyalela ukuba umgaqo-nkqubo werhafu welizwe awukwazi ukubandlulula iintlawulo zeenkonzo zombuso. Oku kuthetha ukuba abanakho ukufumana unyango lwerhafu olulungileyo kumarhente karhulumente nakwamaphaya kunokuba benza kwiipenshini zenkonzo zombutho. Kodwa banokwenza iipolisi zerhafu ezibandlulula phakathi kweefesheni zabo zombuso kunye neminye ipensheni yombuso.
E-Arizona, i-Idaho, eKansas, eLouisana, eNew York, eKorea, kunye neSithili sase-Columbia inikeza izicwangciso ezinkulu zokurhoxiswa kweerhafu kwizicwangciso zempesheni yelizwe kunokuba zenzelwe izicwangciso zempesheni zorhulumente karhulumente.
Izizwe ezilishumi kuphela zibandakanya yonke inzuzo yempesheni, karhulumente, kunye neengingqi zomhlalaphantsi kwiirhafu.
Ezi ziquka i-Alabama, iHawaii, i-Illinois, iKansas, eLouisana, eMassachusetts, eMichigan, eMississippi, eNew York nasePennsylvania. I-Missouri iya kuvumela ukuxolelwa ngokupheleleyo kwintlawulo yomhlala-phantsi kawonkewonke ka-2012 kubarhafi berhafu abahlangabezana nemingcele yembuyekezo. Kuze kube ngo-2012, ukuxolelwa kuya kuhlonyelwa kwipesenti ezikhulayo ngonyaka.
Imirhumo yoRhumo kunye nePenshini yangasese
Ingeniso yerhafu yengxowa karhulumente kwimali yempesheni yangasese ayinayo inceba njengaleyo yoKhuseleko loLuntu kunye neepensheni zomphakathi. Enyanisweni, ezilishumi elinambini zichaza kwaye iSithili saseColumbia sihlawulisa ipensheni yangasese. Lezo zizwe zi-Arizona, eCalifornia, i-Idaho, e-Indiana, eKansas, eMassachusetts, eMnnesota, eNebraska, eMntla Dakota, e-Rhode Island, eVermont nase-West Virginia.
Ngakolunye uhlangothi, i-Alabama, iHawaii, ne-Illinois ixolela phantse yonke ingeniso yomhlalaphantsi.
Bakhulula i-100% yoKhuseleko loLuntu, ipensheni yempi, ipenshini karhulumente, kunye neentlobo ezithile zeempesheni zangasese. Kuphela i-Mississippi kunye nePennsylvania zikhulula yonke ingeniso yomhlalaphantsi, kuquka 401 (k) kunye nokwabiwa kwe-IRA.
Amazwe angenaluthando kubaRhafi
Ezi zine zithi: I-Minnesota, i-Nebraska, iRhode Island kunye neVermont akuvumeli ukuba i-pension kunye neminye imivuzo yomhlalaphantsi. I-Kalifornia inomvuzo werhafu encinci kubantu abakudala kwaye ayibandakanyi kuphela iintlawulo zeNtlalo kunye neenzuzo zomhlala-phantsi zomvuzo kwiirhafu zerhafu.
Umthombo: iBhunga likaZwelonke kwiNkulumbuso kaRhulumente
Olunye ulwazi: Amazwe angaphandle kweRhafu yeNgeniso , amaRhafu amaninzi-amazwe angamaTyhini