Fumana ukuba Yintoni eyenzekayo kuMgaqo-nkqubo xa i-Insured Deaths
Indlela Yokuqokelela Ifa le-Intshurensi Yobomi
Ukuba umhlobo wakho uswelekile kwaye ubizwa ngokuba ngumzuzi kwi- inshorensi yobomi bomshuwalense , unokuqokelela intlawulo yomshuwalense ngokuthumela isatifiketi sakhe sokufa sokuqala kunye nenqubomgomo yomshuwalense wobomi kwintsapho yomshuwalense.
Inkampani iya kuhambisa imali ngqo kuwe. Ayingabi yinxalenye yomhlaba wakho owamthandayo, nangona ingaba negalelo kwipropati yakhe yeenjongo zerhafu.
Imiphumo yerhafu yeNgeniso yefa leMshuwalense weMpilo
Akufanele uhlawule irhafu yengeniso kwinkcitho yokuqala yomshuwalense xa unelungelo lomgaqo-nkqubo we-inshorensi yobomi . INkonzo yeNgeniso yangaphakathi ayiqwalasela iindleko zokufa ukuba zibe yinzuzo. Kodwa ukuba umgaqo-nkqubo ufumana ingeniso emva komhla wokufa, njengokuba ungathathi inzuzo kwisinye isamba semali kodwa kunoko ululabise izitolimenti kwixesha leminyaka kwaye ibhalansi ithola inzala, oku kuya kuhlawulwa. Kufuneka uyifake kwi-tax return yakho njengoko uza kuxela nayiphi enye inzala oyifumene kunyaka werhafu.
Iziphumo zeRhafu neZifa
Akukho ntlawulo yefa kwi-federal level, kodwa amazwe amathandathu anyanzelisa le rhafu ngo-2017: Nebraska, Iowa, eKentucky, ePennsylvania, eNew Jersey naseMaldin.
Oku akusiyo irhafu yengeniso, kodwa kunokuba ipesenti yexabiso lempahla oyilayo. Abanye bathi bafumana iirhafu zefa , ezifana neNew Jersey, ngokukodwa bakhupha imali yomshuwalense wobomi ukusuka kwerhafu.
I-estate stedent's estate inesibophelelo serhafu ye- federal tax if it value over $ 5.45 yezigidi ngo-2017.
Naliphi na ibhalansi yexabiso kulo mqathango ihlawulwa. Ezilishumi elinesibhozo kwaye iSithili sase-Columbia sinokubeka iirhafu zezindlu, ngokuqhelekileyo zikhululekile. Ubuninzi bomshuwalense wobomi bunegalelo kwixabiso lempahla ehlawulisiweyo ye-decedent ukuba ngaba ngumnikazi wepolisi okanye ukuba udlulise ubunikazi, njengokuba ungathembeki, ungakapheli iminyaka emithathu yokufa kwakhe.
Abaxhamli be-inshorensi yokufumana i-inshorensi yobomi abaqhelekanga kuxanduva lokuhlawula irhafu yerhafu ngaphandle kokuba umnqweno wokugqibela kunye nentetho iqulethe amalungiselelo athile ekucela ukuba bathathe inxaxheba ethile ekutholeni umthwalo werhafu . Oku kunqabile.
Iibhilidi zokugqibela zeeNkampani
Umbuzo oqhelekileyo oza kuvela ukuba ngaba umxhamli obizwa ngokuba ngumxhasi we-inshorensi yobomi kufuneka asebenzise nayiphi na i-inshurensi eqhubekayo yokuhlawula amatyala atyala. Ngokubanzi, impendulo ayikho.
Inkqubo yovavanyo iquka ukuhlawula ababolekisiweyo kwiimali zeempahla kwaye, ukuba kuyimfuneko, ukuchithwa kwempahla yefa. Inzuzo yomshuwalense wobomi oya ngqo kumxhamli ogunyazisiweyo akaze abe yinxalenye yendawo ye-probedent's probate, ngoko imali ayifumaneki kubabolekisi kwaye umxhamli akanalo uxanduva lokusemthethweni lokusebenzisa imali ukuze anelise izikweletu ezidumiweyo.