Iimali-mali ze-inshorensi zempilo zichithwa phantsi kweemeko ezithile
Nangona eso sihlwayo asinakunyulwa, abanye abakhokheli banokubamba iindleko zee-premium zee-inshorensi zezempilo. Imigaqo yokufaneleka ixhomekeke ekubeni ungumqeshwa okanye usebenza phantsi, nokuba ngaba uhlawula i-inshurensi yakho usebenzisa i-dollar engaphambili okanye irhafu yerhafu.
Inokuxhomekeka nokuba ngaba uthatha ukutsalwa okuqhelekileyo okanye i-itemize.
Ukuxothwa kweendleko zonyango
Iindleko zomshuwalense yezempilo zibandakanyiweyo kwiindleko ezifanelekileyo ukuncitshiswa kweendleko zonyango. Kufuneka ukuba uthathe le ncitshulwa, kwaye iyancipha kwisixa seendleko zakho zonke ezidlula iipesenti ezili-10 zomvuzo wakho opheleleyo. Kunzima kakhulu kwimathematika ngaphandle kokuba unezinye iindleko zonyango ngaphezu kwee-premium zakho ze-inshorensi. Ungafaka ezi zinto ukukunceda ukuba ufike ngaphaya kombundu.
Nasi umzekelo: Ukuba i-AGI yakho i-$ 60,000 kwaye uhlawule i-$ 6,000 kuma-premiums ngethuba lonyaka werhafu, awukwazi ukuhlawula iipriyamu zakho - iipesenti ezili-10 zeedola ezingama-60,000 yi-$ 6,000, ngoko awuzange ukhokhe nayiphi na i-10% yakho AGI. Kodwa ukuba uhlawule imali engama-3,000 kwiindleko zonyango ezingaxhaswanga, sele uchithe ubuninzi bee-9,000 zamaRandi, eyi-$ 3,000 ngaphezu kwe-10% yepesenti.
Ngako oko, unako ukubiza ukuba i-$ 3,000 epheleleyo njengencitshulwa yerhafu.
Ipesenti ye-10 ekhulwini yayingama-7.5 ekhulwini ngaphambi ko-2013 xa yanda. Nangona kunjalo, yahlala kuma-7.5 ekhulwini kwabahlawuli berhafu abaneminyaka engama-65 okanye ngaphezulu kwithuba elifutshane. Kodwa ngo-Disemba 31, 2106, bonke abahlawuli berhafu kufuneka bahlangabezane ne-10% yeepesenti ukuze bakwazi ukufaka isicelo sokubanjiswa kulo ncitshweni kungakhathaliseki ubudala.
Iindaba ezilungileyo kukuba le pesenti ayisebenzisi kwingeniso yakho yonke, kodwa kuphela kwi-AGI yakho. Inombolo efikile emva kokuba uthathe inqununu ethile ye-line-line-kwikota yokuqala yokubuyisela irhafu yakho, ukunciphisa ingeniso yakho yonke. Ngaphezulu kwe-line-deductions ziquka izinto ezifana ne-alimony oyihlawuleyo, umrhumo othile wempesheni yomhlalaphantsi, isifundo kunye nomdla wemali mboleko. I-AGI yakho iya kuba yinto encinane kuneyona engenayo yonke ingeniso ukuba unokubanga nawaphi na oku kuncitshiswa. Ngokomzekelo, mhlawumbi uzuze i-$ 60,000, kodwa uhlawule imali yakho eyi-16,000 eyi-$ 000 kwi-alimony. I-AGI yakho ayikho, i-$ 44,000, kungekhona i-$ 60,000, kwaye i-10% yepesenti yakho ibangene kwi $ 4.400.
I-AGI yakho ibonakala kumgca 37 weFomu 1040 ngaphambi kokuba ufikelele ekubanjeni ukutsalwa kweempahla okanye ukutsalwa okuqhelekileyo kwimeko yakho yokufaka.
Ukukhishwa kweRhafu ngokubhekiselele kwiDeduction yomvuzo ngaphambi koNyaka
Abasebenzi abahlawula i-inshorensi yezempilo kunye neerhafu zangaphambi kweerhafu ngokuchithwa kwemirhumo yee-payroll ayifanelekile ukuba bathathe imali ethe xaxa. Hlola ii-paystubs xa ungaqinisekanga ukuba uhlawula njani i-inshorensi efumaneka kumqeshi wakho. Ukuba iinqununu ze-inshurensi zenziwa ngaphambi kokuba umqeshi akhole ukulinganisa ibhalansi, usebenzisa i-dollar engaphambili.
Akuyona into embi. Ukuhlawula i-inshurensi yezempilo njengokuba umvuzo wokuhlawula umvuzo wangaphambi kwentela uncedo ngakumbi kwaye uya kukugcina imali engaphezulu kunokuthatha inqununu. Iintlawulo zezempilo ezingaphambi kweerhafu zinciphisa umvuzo wakho ohlawulwayo, kunye nerhafu yengeniso, irhafu yerhafu yoLuntu kunye neTransare omele uyihlawule ipesenti yomvuzo ohlawulwa irhafu. Ngoko le ntlawulo yomqeshwa iphumelele kathathu ntlawulo xa umvuzo wakho ohlawulwayo uyancishiswa ngemali yee-premium zomshuwalense. Kusenokuba ne-triadple ezamahala-tax if your state evumela i-inshorensi yezempilo yangaphambili.
Ukutshatyalaliswa xa Uzimeleyo
Abantu abaqeshwe ngokuzimeleyo bangathatyathwa kwiimali-mali ze-inshorensi zempilo abazihlawulela zona kunye nabaxhomekeke kubo ngqo kwiFomu 1040 njengoluhlengahlengiso olusentla kwi- income .
Unako ukufaka ingqikithi yento oyihlawule kumgca 29 kwiphepha lokuqala lokubuyisela irhafu. Ngenye yezohluthwayo ezinokunciphisa i-AGI yakho kwi-total income yengeniso yakho yonke, kwaye akudingeki ukuba uchithe inzuzo yakho. Kuthetha ukuba akuphelelwanga ngu-10-pesenti-ye-AGI yolawulo - unokubango yonke into oyisebenzisayo kuma-premium, nangona awukwazi ukungena kwiindleko zonyango ezingaxhaswanga.
Isishwankathelo
Abaqeshwa banenzuzo xa ama-premium e-inshorensi yempilo encitshulwa ngentlawulo emithathu ngaphandle kwemali yabo ngaphandle kweyonke imida yokuncitshiswa. Abantu abaqeshwe ngokuzimeleyo banokwenza i-inshurensi yezempilo "ngaphezu komgca" kwiphepha lokuqala lazo 1040s, eziphelisa ukulahlekelwa kunye nokunciphisa imiqobo. Abanye abahlawuli berhafu banokubamba iindleko ze-inshorensi yezempilo njengokwehlulwa kwexabiso kuphela xa iindleko zabo zonyango kunye namazinyo zidlula iipesenti ezili-10 zemivuzo yabo epheleleyo.
QAPHELA: Imithetho yerhafu iguquka rhoqo, kwaye kufuneka uqhagamshelane neengcali zerhafu malunga neengcebiso eziphezulu. Ingcaciso equlethwe kule nqaku ayijoliswanga njengengcebiso yerhafu kwaye ayifaki indawo yeengcebiso zerhafu.