Ingcaka ityala lefihlakeleyo elibuhlungu abagcini bemhlalaphantsi.
Ukuba unomdla wokudlala umhlala phantsi, oku kuthetha ukuzonwabisa kwakho kunokuhlawula amawaka ngaphezulu kwiirhafu kwaye ukwandisa iiproyamu ze-Medicare Part B ngamnye ngonyaka . Ndibiza le ngxowa yerhafu yokufihla.
Nangona ukuphumelela kwamawaka ambalwa kunokuba nemiphumo engalindelekanga, kukuhlawula iirhafu ngaphezu kwezinto ophumeleleyo-nokuba unayo ilahleko yokugembula ukuyikhupha.
Makhe sijonge indlela ukugembula kunye nokulahlekelwa kwezemali kuthintela ngayo yonke irhafu yakho yokubuyela ngokuhamba ngala manqanaba amane:
- Ingxelo efunekayo
- Unyango lokulahlekelwa ngcakazo kunye nokuzuza
- Ukunqoba kwegembula kukuthintela njani ingeniso yakho epheleleyo eguqulwayo
- Indlela eyongezelelweyo ingeniso epheleleyo echitshiweyo eyenza uhlawule irhafu engaphezulu
1. Okufunekayo Ukubikwa kweNgcali yokuGembula
IiCasto zifuneka ukuba zibize ukunqoba kwezokugembula ukuba zigqithise umda othile (u-$ 1,200 wamashishini omatshini wokutyalwa umzekelo). Ukunqoba kwezokugembula kufakwe ingxelo kwiphepha lokuqala lokubuyela kwerhafu kwinqanaba 21.
Sisiphi isantya sokunqoba umngcaka kufuneka sichazwe? I-IRS ithi yonke inzuzo yokugembula kufuneka ibhalwe kwingxelo yakho yokubuyisela irhafu, kwaye ukuba iimali zigqithise umda apha ngezantsi zichazwe kwifomu W-2G:
- I $ 1,200 okanye ngaphezulu kumatshini wokutyalwa okanye umdlalo webhingo (imali engancishwanga ngumlinganiselo wagerager)
- I-1,500 yeeRandi okanye ngaphezulu kwi-keno winnings (umlinganiselo ungancitshiswa ngumlinganiselo wagerager yakho)
- U-5,000 $ okanye ngaphezulu kwiingqungquthela ze-poker zokunqoba (umlinganiselo ungancitshiswa ngumlinganiselo wagerage yakho)
- U- $ 600 okanye ngaphezulu xa ubeka ibhegi ukuba ubuncinane ubunzima bakho bebhetri ezingama-300 (umlinganiselo ungancitshiswa ngumyinge we-wager yakho)
2. Ukwelashwa kweNgcakazo yeMali kunye neNzuzo
Emva kokuba uxela i-gambling winnings, ungaphinda uxele ilahleko zokugembula.
Ukulahlekelwa ngcakazo kubanjwe njengento echithwe ngokukodwa, kwicandelo 28 "kwezinye izinto ezixutywayo". Uvumelekile ukuba ubangele ukulahlekelwa kwintlawulo yemali ukufikelela kwisixa semali.
Oku kuthetha ukuba i-casino ibika i-$ 50,000 yama-winnings, kodwa kunyaka wonke udlala i-$ 60,000, uzuze i $ 50,000 kodwa ulahlekelwa i-$ 10,000, awukwazi ukubiza ukuba i-$ 10,000 yokulahlekelwa yerhafu yakho.
Ukuze uhlawule ilahleko, kufuneka ugcine ukugembula iirekhodi kunye neerithi.
Ewe, ufumana ukuhlawula ilahleko ukuze ungahlawuli irhafu yengeniso kwimpumelelo, kodwa leyo yincinci yendaba. Amanye amabali ahlobene nendlela ukugembula kwempatho kuchaphazela ngayo imali yakho ehlawulisiwe ye-Gross Income (MAGI).
3. Ukunqoba kweNgcakazo kuthinta njani i-MAGI yakho
Njengoko ukugembula kwezokugembula kuxelwa ngekhasi lokuqala lokubuyela kwerhafu (kunye neentlawulo ezithe zabikwa phambi kokuba zikhutshwe ilahleko) oku kunokwenza ukwandisa i-MAGI yakho. I-MAGI yakho ibalwa ngaphambi kokuba ufumane inzuzo yokunciphisa nangayiphi na inqununu echaziweyo njengokulahlekelwa ngcakazo. Ngoko ukunqoba kwezokugembula kukwandisa i-MAGI yakho - nangona ungakhange uzuze nayiphi na into xa uthelekisa ama-winn to losses.
Ezinye izibalo zerhafu zifaniswa ne-MAGI yakho ukuqinisekisa ukuba uhlawula irhafu engaphezulu kwezinye iindawo okanye ulahlekelwe yimali ethile.
I-MAGI eyongeziweyo ithetha ukuba uhlawula ngaphezulu kwezinye iindawo kunye / okanye ulahlekelwe yimali ethile.
4. I-MAGI ithinta njani ezinye izinto ezinxulumene nentela
Nazi ezinye zezinto i-MAGI ezichaphazelayo:
- Ukufaneleka kwakho ukwenza igalelo le-Roth IRA (okanye igalelo le-IRA elichithwayo xa unenxaxheba kwinkqubo yomhlalaphantsi exhasiweyo). Uninzi kakhulu i-MAGI kunye nawe awufanelekanga ukwenza igalelo leRoth IRA.
- Isixa soxanduva lwakho loKhuseleko loLuntu phantsi kohlawulo lweerhafu . I-MAGI eninzi ithetha ngaphezulu koKhuseleko lweNtlalo kungabandakanywa ngeniso engenayo.
- Isixa semali- premiums ye- Medicare Part B oya kuhlawula . Uninzi lwe-MAGI kwaye uza kuhlawula i-premium ye-Medicare Part B.
- Iziqendu zokukhululwa kunye nokuncitshiswa kwamanani . I-MAGI ephakamileyo ithetha ukuba ungalahlekelwa ezinye zeempazamo zakho kunye nokuncitshiswa.
- Ukusetyenziswa kwe- 3.8% ye-Medicare surtax kwingeniso-mali . Ukuba i-MAGI yakho iphakamileyo ngokwaneleyo, uya kuhlawula irhafu eyongezelelweyo kwingeniso-mali.
- Ukufaneleka kwakho kwerhafu yerhafu / inkxaso-mali ngenjongo yokuthenga i-inshurensi yempilo . Ukuba i-MAGI yakho ihlala iphantsi ngokwaneleyo unako ukufumana umvuzo werhafu. Ukunqoba kwezokugembula kunokukwenza ukuba ungenakufanelekela oku.
Makhe sijonge umzekelo wendlela ukugembula kwezokugembula kwathintele ezinye zezinto ezingentla ngaphezulu komntu omnye osemthatha umhlalaphantsi kwiminyaka engama-70.
Umzekelo weRhafu yeMali kwiRhafu
UDavid (igama lakhe litshintshile ukuba abe yimfihlo) usekuqaleni kweminyaka engama-70 ubudala kwaye walahlekelwa ngumfazi wakhe iminyaka emininzi edlulileyo. Usasebenzisa inxalenye yexesha lakhe kwishishini lakhe ngoku liqhutywa ngunyana walo, kwaye ngokubukeka kwerhafu yakhe yokubuya, ndicinga ukuba uchitha ixesha lakhe lonke kwi-casino yendawo.
Kutheni ndicinga ukuba oku?
Kunyaka ophelileyo wabika ngaphezu kwama-550,000 weengcakazo zokugembula kwi-tax return. Umntu onoLucky, kunene? Hayi ncma. Wachaza umlinganiselo ofanayo kwilahleko.
I-MAGI kaDavid yayiza kuba ngaphantsi kwamaRandi angama-80 000 ngaphandle kokugembula. Kunoko, bekuyi-630,000 yeedola. Esikhundleni sokuhlawula i-premium ye-Medicare Part B kwi-$ 105 ngenyanga, uya kuhlawula i-$ 335 ngenyanga; ukongezwa kwe-$ 2,760 ngonyaka. Ngo-2013 le nqanaba le-MAGI lenze ukuba alahlekelwe malunga needola ezili-11,400 zeemali ezithintekayo, ezibiza enye i-$ 2,850 yentlawulo (kwi-25% yezinga eliphantsi).
Nangona ukugembula kwakhe ngumkhuba wokuhlamba, kuya kuba kubiza amawaka angamawaka uDavide ngonyaka kwiirhafu. Le ntlawulo efihlakeleyo yerhafu ingathintela impatho engaphantsi neyeyona imali ephezulu yokuthatha umhlalaphantsi kodwa ngeendlela ezahlukeneyo.
- Ukufumana umhlalaphansi ongaphantsi, umvuzo wengcaka ofihliweyo ungenzeka ngenxa yokuba ukwanda kwe-MAGI kwandisa inani leenzuzo zakho zoKhuselo loLuntu phantsi kohlawulelo kunye nokunciphisa ukufaneleka kwakho kwerhafu yengxowa kwinshuwalense yezempilo.
- Ukufumana umhlala-phantsi ophezulu , irhafu yentlawulo yokufihla isitofu ingafika ngendlela yokulahleka kwemali ngenxa yemida ye-phaseout, ii-premium ze-Medicare Part B, kunye / okanye ukusetyenziswa kwe-3.8% ye-Medicare surtax kwingeniso-mali.
Gcinani engqondweni, isicwangciso sokurhoxa esilungiselelwe kakuhle ekuncedeni umhlalaphantsi kunokunceda uqinisekise ukuba awuhlawuli irhafu irhafu kunokuba ufanele - kodwa olunye uhambo oluya ekhasino lungayilahla icebo.