Ukukhetha isimo sokubhalisa esifanelekileyo kuya kubangela irhafu yengeniso engaphantsi
Isiphi Isimo Sokufaka?
Isikhundla sokufakela komntu sichaza ukuba yeyiphi irhafu yentlawulo kunye nokuba yiyiphi imali echithwayo yokunciphisa isetyenziswa kwinzuzo ethile yentlawulo.
Esi sigqibo sichaphazeleka kukuba yintoni isimo somtshato womntu ngomhla wokugqibela wonyaka.
Ukuba utshatile ngomhla wokugqibela wonyaka , uthathwa njengentshatshana yentlawulo yerhafu kulo nyaka. Ukuba ungatshatanga ngomhla wokugqibela wonyaka, uthathwa njengingatshatanga ngenjongo yentlawulo yaloo nyaka. Kukho imeko ezikhethekileyo apho abantu abatshatileyo "banokuthatyathwa bengatshatanga" ngenjongo yokuba bafaneleke kwi-head of status yekhaya nangona bengabhalwa ngokwasemthethweni okanye bahlukane.
Isimo sokuFowula esisodwa
Isimo sokufakela esisodwa sisetyenziswe ngabantu abangatshatanga ngomhla wokugqibela wonyaka. Abahlawuli berhafu abangabodwa abangabanga umntu oxhomekeke kuye bangafanelekela kwiNtloko yeNdawo yokuThengiswa kweNdlu, eya kunika iirhafu zerhafu.
INtloko yeSizwe sokuFakela imeko
Ukuba ungatshatanga kwaye unakekelwa ngumxhomekeke kwiinyanga ezingaphezu kweesithandathu, unokufanelekela kwiNtloko yeNdawo yokuFaka iMakhaya (HOH). Le nzuzo yefayili yokufakela kwi-deduction ephezulu kunye neerhafu ezingaphantsi kwee-taxers "kuphela".
Imigaqo echanekileyo, njengokuba kuphela iintlobo ezithile ezixhomekeke kwiindawo ezinxulumene nazo ziya kufumana umhlawuli-ntlawulo kwiHOH. Ukongezelela, phantsi kweemeko ezithile, umntu otshatileyo onokuxhomekeka angakwazi ukufumana i-HOH ukuba uhlala ngaphandle kweqabane lakhe kwiinyanga ezintandathu zokugqibela zonyaka okanye ngaphezulu.
Umhlolokazi onelungelo / Umhlolokazi onesimo sokuLondolozwa kweNdlela yabantwana
Ukuba ungatshatanga ngenxa yokuba iqabane lakho lafa phakathi konyaka, unokwenza udibanise ngokubambisana okanye ngokwahlukileyo njengomntu otshatileyo kulo nyaka, nokuba unayo okanye unalo oxhomekeke kuyo. Emva komnyaka wokuqala wokufa, ukuba ungasatshatanga kwaye unomntwana oxhomekeke kuyo, unako ukufaka ifayile phantsi kwe-Status of Widow / Widower (QW). Kuya kukuvumela ukuba uqhubeke uzuza ngokususwa komgangatho omnye kunye neerhafu zerhafu ezifanayo njengoko izibini ezitshatileyo zifakela ngokubambisana. Unokufaka isicelo se-QW yokufaka ifom ye-total ye minyaka emibili. Ukuba usengatshatanga emva kwale minyaka mibini, isimo sakho sokufakela sitshintsha kwi-single okanye intloko yendlu.
Inqaku lokusinda kwabatshatileyo: Ngomnyaka umlingane wakho efa, unokufakela ukutshata ngokutshata okanye ukutshata ngokutshatyalaliswayo. Kwiminyaka emibini ezayo, unako ukufaka ifayile njengoMfelokazi oFanelekileyo. Kumele ube nobuntwana omnye njengomxhomekeke. Ukuba ubuya kutshata, awukwazi ukufaka ifayile njengoQeqesho loMhlolokazi. Endaweni yoko, unokufakela usebenzisa enye yemimiselo yokufowana.
Utshatile Ukuzalisa Isimo Sokudibanisa Ngokubambisana
Ukuba utshatile, unokukhetha ukufakela irhafu yerhafu enye kunye neqabane lakho. Ukubuyiswa kweerhafu ngokubambisana kudibanisa iimali kunye nokuncitshiswa kweqabane ngalinye.
Ukufakela ngokubambisana, bobabini kunye neqabane lakho kufuneka nivume ukufakela ukubuyiswa kwentela ehlangeneyo, kwaye zombini kufuneka asayine ukubuyela. Ukutshata ngokubambisana kunye (MFJ) inikezela ngeenzuzo ezingaphezulu zerhafu kunokufakela ngokwahlukileyo.
Ukutshata ngokutshatyalaliswa ngokwahlukileyo
Ukuba utshatile, wena kunye nomlingane wakho unokwenza iifayile ezikhethiweyo zerhafu. Abantu abatshatileyo abafakela ngokwahlukeneyo (MFS) abakhokhi berhafu bafumana unyango oluncinane luncedo. Kodwa isimo se-MFS yindlela enye yokufikelela kwiimfanelo zerhafu ezahlukileyo, okuyiyo inzuzo engayinakukujongelwa yona. Abahlawuli berhafu abatshatileyo kufuneka baqwalasele ngokucophelela ukuba ukufakela ukubuyisana okuhlangeneyo okanye okuhlukeneyo kuya kuba luncedo kakhulu kwiimeko zabo zemali ezizodwa.
Izizathu Zababini Abatshatileyo Ukuba Bahlule Ngokwahlukileyo: Kukho izizathu ezintle ukuba amadoda nabafazi bafake iintlawulo zabo zerhafu ngokwahlukileyo. Ezinye izizathu ezifanelekileyo zokufakela ngokwahlukileyo ziquka:
- Elinye iqabane lifuna ukufaka ifayile, kodwa enye ayifuni ukuyifakela.
- Elinye iqabane lilixela ukuba ukubuyisana okuhlangeneyo kungenakulungile.
- Elinye iqabane alifuni ukuba liphathwe uxanduva lokuhlawula irhafu eboniswe kwi-joint joint.
- Elinye iqabane lihlawulwa irhafu, kwaye enye iya kuhlawulwa.
- Amaqabane ayahlukana, kodwa awanakatshatanga, kwaye afuna ukugcina imali yabo ihlukeneyo ngokusemandleni.
Xa uthumela ngokuhlukileyo, kufuneka usasebenzisane kwaye wabelane ngolwazi lwerhafu. Ukuba bobabini unabantwana, kufuneka uqhagamshelanise ngubani oza kubango abantwana njengabaxhomekeke kuye. Ekugqibeleni, abatshatileyo abafakela ngokwahlukileyo kufuneka babini bathathe umlinganiselo ochanekileyo okanye bobabini bazakuthi bahlulwe. Abantu abakhetha ukufaka ifayile njengoMtshato oThatywayo ngokulinganayo abafanelekanga kwiirhafu ezininzi zerhafu kunye neerhafu zerhafu. Ngoxa ukufakela ngokubambisana kungabangela irhafu yentlawulo engaphantsi, ukufakela ngokwahlukeneyo kudala izikwereti zerhafu ezahlukileyo kwiqabane ngalinye, ezinokuba luncedo ekunciphiseni ingozi yerhafu.