Indlela yokuzalisa iShedyuli R ye-Akhulile kunye neThuba lokuThuthwa kweNtlawulo
Ngubani ofanelekileyo kwi-Elderly and disabled Disabled?
Umhlawuli-ntlawulo kufuneka abe ngummi wase-US okanye umfokazi ohlala kuyo:
- Ufikelele kwiminyaka engama-65 ngaphambi kokuphela komnyaka werhafu, okanye
- Ufumene umhlala-phantsi ekukhubazekeni ngaphambi kokuphela konyaka werhafu kwaye wayekhubaze ngokusisigxina xa athe wahlala umhlalaphantsi
- Uneminyaka engaphantsi kweminyaka engama-65 ekupheleni konyaka kodwa uthabatha umhlala phantsi kwisigxina esisigxina kunye nesisigxina, ufumene ingeniso yokukhubazeka ehlawulwayo, kwaye awukafiki ukuhlala umhlalaphantsi wokuthatha umhlala-phantsi njengoko ngoJanuwari 1 wonyaka werhafu.
Imfuneko yobudala
Uqwalaselwa njengeminyaka engama-65 ngosuku ngaphambi kokuzalwa kwakho kweminyaka engama-65. Ukuba uzalwe ngoJanuwari 1, 1951, uthathwa njengeminyaka engama-65 ekupheleni kuka-2015.
Isidingo sokukhubazeka
I-Internal Revenue Code yecandelo 22, umhlathi (e) (3) uthi "umntu unokukhubazeka ngokusisigxina xa akakwazi ukubandakanya kuyo nayiphi na imisebenzi enomvuzo ngenxa yonyango owenziwe ngomzimba okanye owenziwe ngengqondo onokulindeleke ukuba ube nomphumo ekufeni okanye okuye kwadlulayo okanye kulindeleke ukuba kuphele ixesha eliqhubekayo elingaphantsi kweenyanga ezili-12. Umntu akayi kuthatyathwa ukuba uyakhubazeka ngokupheleleyo kwaye engapheliyo ngaphandle kokuba anike ubungqina bokuba kukho ngokohlobo nangendlela, kwaye ngamaxesha athile, njengoko uNobhala angafuna. "
Ngamanye amagama, awukwazi ukubandakanya kuyo nayiphi na imisebenzi enomvuzo ngenxa yokuxhatshazwa kwimeko yomzimba okanye yengqondo. Ugqirha ofanelekileyo kufuneka anqume ukuba imeko iye yahlala okanye ilindeleke ukuba iqhubeke ngokuqhubekayo okungenani ngonyaka okanye ilindeleke ukuba ibangele ukufa.
Ukuthatha umhlala phantsi ekukhubazekeni
"Nangona ungahlali phantsi, ungathathwa njengomhlala phantsi xa ukhulile ukusebenza ngenxa yokukhubazeka kwakho," ngokutsho kwe-IRS Publication 524, I-Credit for the Elderly okanye abakhubazekileyo.
Imali engenakho ukukhubazeka kufuneka ihlawulwe phantsi kweengozi yomqeshi okanye isicwangciso sezempilo okanye isicwangciso somhlala-phantsi, kwaye kufuneka ifakwe kwingeniso yakho njengemvuzo okanye iintlawulo kwiindawo zemvuzo ngenxa yokuba awukho kubasebenzi ngenxa yokukhubazeka okusisigxina.
Naliphina intlawulo oyifumanayo kwisicwangciso esingenakubonelela ngomhlala-phantsi umhlala-phantsi ayiyiyo imali yokukhubazeka. Intlawulo yentlawulo yekhefu yonyaka efunyenweyo xa uhlala phantsi ekukhubazekeni yintlawulo yomvuzo kwaye ingeniso yokukhubazeka. Umvuzo wokukhubazeka awubandakanyi iimali ozitholayo emva kokuba ufikelele kwiminyaka yobudala yomhlalaphantsi. Ubudala bomhlalaphantsi obunyanzelekileyo ngumda obekwe ngumqeshi wakho ngexesha oza kufuneka uhambe kuyo xa ungazange ukhubaze.
Imilinganiselo yeNgeniso
Ukongezelela kwezinye izinto ezifanelekileyo, umvuzo ohlaziyiweyo wokuhlawula umvuzo kufuneka ube ngaphantsi okanye ulingane namanani alandelayo:
Ukuba isimo sakho sokufakela ... | Ingeniso yakho epheleleyo ehleliweyo kufuneka ibe ngaphantsi okanye ilingane no ... |
Ongatshatanga | $ 17,500 |
INtloko yekhaya | $ 17,500 |
Umhlolokazi ofanelekayo (er) nomntwana oxhomekeke kuye | $ 17,500 |
Ukutshata ngokutshata kunye kunye nomlingane omnye kuphela | $ 20,000 |
Ukutshata ngokutshata ngokubambisana kunye bobabini bomtshato bafanelekile | $ 25,000 |
Utshatile udibanisa kwaye uhlala ngaphandle kweqabane lakho lonke unyaka | $ 12,500 |
Indlela yokubala iMali
Intlawulo yentlawulo ibalwa njenge-15% yemali yokuqala engaphantsi kwe-Non Securityable Social Security kunye nezinye iipensheni ezingenakulinganiswa, izibonelelo okanye izibonelelo zokukhubazeka kunye nesiqingatha somvuzo wakho osisiseko esingaphantsi komyinge we- AGI . Ukwenza lula, i-equation ingafuna oku: iipesenti ezili-15 x A - B + ½ C - D.
A = Inani lokuqala
B = Isabelo esingenakuxakeka kwi-Social Security yakho kunye nezinye iipensheni ezingenakuxakeka, izibonelelo okanye izibonelelo zokukhubazeka
C = Ingeniso yakho epheleleyo ehleliweyo
D = Imali yokunciphisa imbuyekezo engenayo
Le fomyula ibangela ityala lokutyala lentela. Isixa esithintelayo sithelekiswa nomthamo werhafu we-federal njengoko kubalwa kusetyenziswa iWebhu yoLuhlu lokuSebenza kweMali efunyenwe kwiMigaqo yeShedyuli R. Intlawulo yerhafu yokugqibela yincinci yemali esetyenzisiweyo okanye umlinganiselo wexabiso lomrhumo werhafu.
Inani lokuqala
Isixa sakho sokuqala singumncinci werhafu yakho yokukhubazeka okanye irhafu elandelayo:
Ukuba isimo sakho sokufakela ... | Imali yokuqala yincinci yerhafu yokukhubazeka okanye irhafu elandelayo: |
Ongatshatanga | $ 5,000 |
INtloko yekhaya | $ 5,000 |
Umhlolokazi ofanelekayo (er) nomntwana oxhomekeke kuye | $ 5,000 |
Ukutshata ngokutshata kunye kunye nomlingane omnye kuphela | $ 5,000 |
Ukutshata ngokutshata ngokubambisana kunye bobabini bomtshato bafanelekile | $ 7,500 |
Utshatile udibanisa kwaye uhlala ngaphandle kweqabane lakho lonke unyaka | $ 3,750 |
INgxenye engekho iNgxowankulu yeeNzuzo zePensheni
Ezi zinto zilandelayo zibandakanyiwe xa zilinganisa inxalenye engenakuxakeka kweenzuzo zomhlalaphantsi:
- Izinzuzo zoKhuseleko loLuntu : isahlulo esingenakucingelwayo ngumlinganiselo phakathi kweFomu 1040 kumgca 20a no-20b
- Izibonelelo zomhlala-phantsi zomhlalaphantsi: isahlulo esingenakuxakeka kwintlawulo ye-Tier 1 ephathwe njengoKhuseleko loLuntu
- Inzuzo yokuhlawulela yomsebenzi: Ngokuya kumyalelo wesigxina 13a seShedyuli R, "ukuba uxanduva lwakho loKhuseleko loLuntu okanye inzuzo yomhlala-phantsi yomhlalaphantsi eyancitshiswa ngenxa yeenzuzo zokuhlawulela abasebenzi, uphatha iintlawulo zempatho zabasebenzi njengezibonelelo zokhuseleko lwezeNtlalo."
- I pension
- Nayiphi nayiphi na impesheni, i-annuity, okanye inzuzo yokukhubazeka engabandakanywa kwingeniso
Ezi zinto zilandelayo azifakiwe xa zilinganisa inxalenye engenakuxakeka kweenzuzo zomhlalaphantsi:
- Ukukhubazeka kwabasemagunyeni
- Iimali ezithathwa njengebuyiselo lwezindleko zakho kumhlalaphantsi okanye kwi-annuity
- Ukukhubazeka kwemali ehlawulwa phantsi kwecandelo 808 loMthetho wamaNkonzo angaphandle wama-1980
- "Nayiphina ipenshini, imali okanye isibonelelo esifanayo sokwenzakalisa okanye ukugula ngenxa yokusebenza ngokusebenzayo kwimikhosi yempi yeliphi ilizwe, okanye kwi-National Oceanic and Atmospheric Administration okanye inkonzo yezeMpilo kaRhulumente," ngokwemiyalelo yomgca 13b weShedyuli R
Ingeniso Yakho Yomvuzo
Unokufumana ingeniso yakho epheleleyo ehlelwe kwicandelo 37 leFomu 1040 okanye kwicandelo 21 leFomu 1040A.
Ukulungiswa kweNkcazo yeNinzi yeMali
Ukuba ... | Isixa semali yokunciphisa imali engenayo ... |
Ongatshatanga | $ 7,500 |
INtloko yekhaya | $ 7,500 |
Umhlolokazi ofanelekayo (er) nomntwana oxhomekeke kuye | $ 7,500 |
Ukutshata ngokutshata ngokubambisana | $ 10,000 |
Utshatile udibanisa kwaye uhlala ngaphandle kweqabane lakho lonke unyaka | $ 5,000 |
Imithombo yezibalo ichitshiyelwe kwiShedyuli R kunye noPublication 524, iNkcazo yabadala okanye abakhubazekileyo, i-IRS.gov.
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.