I-Order yezoBudlelwane baseMakhaya eQinisekile (QDRO) inokukhusela amalungelo akho
Ukuba uceba ukufumana ukwahlukana okanye uqhawulo lomtshato kunye neqabane lakho linesicwangciso sokuthatha umhlala-phantsi esixhaswe ngumqeshi njengesi-401 (k) okanye iplani yomhlala-phantsi , unelungelo elisemthethweni lokuba nenxalenye yokulinganisela ukuba unalo isivumelwano esichaza ngenye indlela. Isebenza kwakhona ngenye indlela: iqabane lakho livumelekile ngokusemthethweni ukuba inxalenye yexabiso lakho lomhlala-phantsi elixhaswe ngumqeshi ukuba unalo. Kodwa ukuba lakho iqabane liyintloko yokutya, unokukhusela njani isabelo sakho seakhawunti yomhlalaphantsi? Yintoni enokumisa umqeshi womlingane wakho ekuhlawuleleni izibonelelo kumlingane wakho okanye umlingane naye, ukushiya unento encinci okanye akukho nto? Impendulo ngokuqhelekileyo i-Order Qualified Relationship Order.
I-Order yezoBudlelwane baseMakhaya eQinisekile (QDRO)
I-Order yezoBudlelwane baseMakhaya eQinisekayo (eyaziwa ngokuba yi-QDRO, ebizwa ngokuthi "i-quad row") inokukhusela iimfuno zakho phantsi kwezi meko. I-QDRO yinkundla yenkundla, isigwebo, okanye umyalelo onxulumene nenkxaso yabantwana , i-alimony, okanye amalungelo epropati anokufundisa kwakhona isicwangciso somhlala-phantsi somlingane wakho ngendlela ekuhlawulela ngayo isabelo sakho sezibonelelo.
I-QDRO ikunika ukhuselo kwaye iqinisekisa ukuba isivumelwano somtshato somtshato asivumelekanga ukuba isahlulo sokuthatha umhlalaphantsi sihlukane kwaye sihoxiswe ngaphandle kwesigwebo kwaye sifakwe kwi-akhawunti yomhlala-phantsi yomntu (engeyiyo i-IRA) okanye mhlawumbi ukwenza amalungiselelo hlawula.
Ungacingi ngamalungelo akho kwiimpahla zokuthatha umhlala-phantsi zigqitywa nje ngokuba umyalelo wakho wokuqhawula umtshato uthi unelungelo lokufumana imali yengxowamali yomhlalaphantsi.
Kodwa kubalulekile ukuba uqaphele ukuba i-QDRO kuphela isebenza kwizicwangciso eziyimfuneko ze-IRS kwaye zigqitywe nguMthetho woKhuseleko loNgeniso loMhlala-phantsi (oyaziwa ngokuba yi-ERISA). Ayisebenzisi kwimpesheni yezempi okanye karhulumente, elawulwa yiminye imithetho. Awudingi i-QDRO ukwahlula i-IRA okanye i-SEP.
Ukubonisana neGqwetha okanye iNgcaciso
Umyalelo woBudlelwane baseMakhaya awuqwalaselwe ukuba ufanelekile ngaphandle kokuba uvunyiwe ngumcwangcisi weCwangciso loMlawuli kunye nenkundla. Izicwangciso zomhlala-phantsi zihlala zineefom zeQDRO eziqhelekileyo ukuba igqwetha lakho lingasebenzisa ukuyila iilwimi ze-QDRO. Ngamanye amaxesha oku kunokwaneleyo, kodwa ukuba isabelo sakho seakhawunti yomhlala-phantsi somlingane sakho sininzi, kufuneka uqwalasele ukusebenzisa igqwetha elijolise kwii-QDRO ukuqinisekisa ukuba yonke imiba enxulumene nesivumelwano sakho sokuhlawula umtshato ifakwe kwi-QDRO kunye namalungelo akho ikhuselwe ngokupheleleyo ngendlela ifomu ye-QDRO engenakukwazi ukubonelela.
Ukuba ummeli wakho akafumanekanga kwii-QDRO kuya kumthatha ixesha elide ukwenza uphando kunye nephepha, okuza kukubiza ngaphezulu kwiimali zomthetho.
Kukho nethuba lokuba angaphuthelwa into ebalulekileyo ekugqibeleni ukuba unokuphelisa imali.
Enye into ekubhaliseni i-QDRO yinjongo yesicwangciso somhlala-phantsi. Iiplani zecebo lokuchazwa ezicacisiweyo (njenge-401 (k) izicwangciso) zilula ukubala ngaphezu kwepropati yezibonelelo zenkxaso-mali (njengeempesheni) ngenxa yokuba iintlawulo zezibonelelo ezichaziweyo zisekelwe kwizibalo ezinzima zokubala kunye nezinto ezifana neminyaka yengqesho. Ukuba iqabane lakho linolu hlobo lwesicwangciso, igosa lakho liza kufuneka liqeshe i-actuary ukubala isabelo sakho sesicwangciso sefa.
Igqwetha lakho kufuneka lifunde isicwangciso sesishwankathelo sesishwankathelo senkcazo kunye namanye amaxwebhu amalungiselelo ngenxa yokuba imigaqo ye-QDRO iya kuvumelana nemimiselo yesicwangciso. Imiba enxulumene nezicwangciso zenkxaso echaziweyo ihlukile kunezo ezihambelana nezicwangciso ezixhamliweyo , esinye isizathu sinceda ukusebenzisa ochwepheshe.
Into oyiNtlawulo yakho ingabukeka
Enye indawo ehlala iyanzima. Kwiinkoliso ezininzi, iimali ezongeziweyo kwiingxelo zomhlalaphantsi ngexesha lomtshato ziqwalaselwa njengempahla yomtshato, nto leyo ithetha ukuba wena kunye neqabane lakho ninelungelo kubo. Kodwa ukuba ngaba ungena emtshatweni ngemali ekhoyo kwi-akhawunti yomhlalaphantsi, loo mali iphathwa ngokubanzi njengepropati ehlukeneyo ekuqhawuleni umtshato (nangona unyango lwabo luyahlukahluka ngurhulumente). Njengomgaqo oqhelekileyo, ipahla ezibhekwa njengempahla yomtshato, okanye ezo zinto zanikezwa ngethuba lomtshato, kunye neempatho zabo ziyimpahla ebekwahlukileyo xa kwenzeka umtshato.
Ukuba iqabane lakho lijongene nesicwangciso senkxaso esichaziweyo, njenge- plane 401 (k), ixesha lokuhlawulwa kwakho lixhomekeke kwisicwangciso esithile. Ezinye izicwangciso zenza imali yokuhlawula imali ngokukhawuleza kunye nabanye bahlawula isamba semali kwixesha elizayo okanye benze iintlawulo zexesha. Ukuba lakho iqabane lifakwe kwisicwangciso esixhamliweyo senkxaso-mali njengeplani yempesheni yenkampani, ngakolunye uhlangothi, unako ukufumana iintlawulo zenyanga ngokuqala kwiminyaka yakho yobudala yomhlalaphantsi.
Ngaphantsi
Ukwahlukana kungabi nexabiso ngokubhekiselele kwimirhumo yommeli kunye nempilo yengqondo. Kodwa ingaba nemiphumo eyindleko kwikhuseleko lwakho lwezezimali elizayo. Ukuzifundisa wena isinyathelo sokuqala. Kodwa qiniseka ukuthatha amanyathelo omthetho afanelekileyo ukukhusela amalungelo akho kwaye uhlale usebenzisa iqela elifanelekileyo ukukunceda ukwenza njalo.