Funda indlela iprogram yokuthatha umhlala-phantsi isahlukana ngexesha lomtshato
Ii-QDRO ziyi-oda zomthetho ezivela kwiinkundla zomtshato ezisetyenziselwa ukuhlula iintlobo ezithile zezicwangciso zomhlala-phantsi eziqhelekileyo, kubandakanya ii-IRAs, izicwangciso zempesheni yangasese, kunye no-401 (k) izicwangciso, kunye nomnye umvuzo, ngokuqhelekileyo umlingane wangaphambili.
Awufumani i-QDRO ngokuzenzekelayo ekuqhawuleni umtshato, nangona umntu ohlala naye esecaleni ephethe i-akhawunti yomhlalaphantsi-kufuneka ucele inkundla enye njengenxalenye yokuhlala kwepropati yakho. Iiprogram zikaRhulumente okanye zemikhosi ziphantsi kwemithetho eyahlukileyo, kwaye ke ayiyi kubanjelwa yi-QDRO.
I-QDRO isebenza njani kwisiqabane?
Ngenkqubo yokuqhawula umtshato, amaqela ngamacandelo amabini aya kuchonga ixabiso elizahlukana, kuquka naziphi na izicwangciso zomhlalaphantsi. Ezi zixhobo ziza kuba yintetho yeengxoxo zengxoxo, okanye (kwimeko yeso sibini esiphumelele ukufikelela kwindawo yokuhlaliswa kwepropati yangaphandle) iya kunikwa kumgwebi, oya kulwahlula i-asethi.
Ekugqibeleni, uya kufumana uhlalutyo lwezemali olubandakanya nayiphi na i-akhawunti yomhlalaphantsi, okanye inkundla yomtshato iza kuthatha isigqibo sokuba yeyiphi inxalenye yecala lomhlalaphantsi elungileyo kumntu onokumangalela. Ukuba unikwa isabelo se- akhawunti yakho yomhlala - phantsi (mhlawumbi nge-settlement okanye ijaji), inkundla iya kukhupha i-QDRO (ininzi ibhalwe ngugosa lakho).
Iimfuno zoqhagamshelwano ezifanelekileyo zasekhaya zithunyelwa ngqo kwi-retraite okanye abalawuli beprogram.
Ukuba awunalo igqwetha, unako ukusebenzisa i-template esekelwe kwiwebhu ukudala i-QDRO ungayifaka enkundleni ukuze uvume. Nangona kunjalo, ekubeni izigxobo zinokuphakama kakhulu, ngokuqhelekileyo ingcamango engcono yokuvumela ummeli onamava ukuba aphathe i-QDRO egameni lakho, njengoko nayiphi na isaphulelo singakuhlawula imali eninzi.
Imiqulu ye-QDRO kufuneka izaliswe ngokucophelela. Ukongezelela, isicwangciso sokuthatha umhlala-phantsi ekujoliswe ukuba sifakwe kwisitalathiso somtshato kufuneka sibe yinto ehlanganiswe noMthetho woKhuseleko loNgeniso loMhlala-phantsi we-Employee (ERISA) ka-1974. Izicwangciso zempesheni yamapolisa kunye namapolisa, umzekelo, kunzima kakhulu ukwabelana emva komtshato, kuba bathambekele ekukhuseleni i-asethi yomnini wecebo kuze kube sekufeni. Igqwetha lakho lingakucebisa ngazo zonke ezi nkcukacha.
IiAkhawunti zeMhlala-phantsi njengeAsset in Divorce
Umntu oza kutshatyalaliswa ngokukhawuleza kunye nesicwangciso sokuthatha umhlalaphantsi kunye nokuzinza kwemali kuninzi ukulahleka nge-QDRO. Kungenxa yoko, kwezinye iimeko, umntu unokuthi athethe ukuthengisa enye impahla (umzekelo, indlu okanye enye imali-mali) endaweni yenxaxheba kwi-akhawunti yomhlalaphantsi.
Kule meko, ingcamango enhle yokuba nencoko evulekileyo kunye neqabane lakho (kunye negqwetha lakhe) ukuze ufunde malunga neyiphi ixabiso elibhekisela kulo. Kungenzeka ukuba amaqela amabini angakwazi ukufikelela ekuhlaleni kwemali engabandakanyeka ukwahlula i-akhawunti yomhlala phantsi, okuya kuthi ingayiphepheli imfuno ye-QDRO.
Inceda kakhulu ukuba ube negqwetha kunye nomcebisi wezezimali ukukunceda ekuxabiseni ixabiso elizahlukana njengenxalenye yomtshato.
Ukuba ungumlingane ophethe i-akhawunti yomhlala phantsi kwaye uphantsi kwexesha lokurhoxisa i-akhawunti yakho, akufanele uhlawule isohlwayo sokuthoma (ngokuqhelekileyo u-10%) ngemali edluliselwe kumlingane wakho ongaphambili phantsi kwe-QDRO .
Oku kukhusela isicwangciso somnini ukuba singabihlawule irhafu kunye nezohlwayo kwi-akhawunti yomhlala-phantsi yomntu egameni lomlingane owamkelayo.
Ngaphantsi
Ukuba uqhawula umtshato kwaye unayo i-akhawunti yakho yomhlala phantsi, kufuneka ucele inkundla ngokukhawuleza ukuba unikwe isabelo se-akhawunti yakho yomhlala-phantsi yomtshato nge-QDRO. Qinisekisa ukuba igqwetha lakho (ukuba unalo) liyazi malunga ne-asethi ye-akhawunti yomhlalaphantsi kwaye ilungele ukulwa nesabelo sayo.
Ingozi yokulinda ixesha elide ukwenza oku kukuba, ukuba umnini-cwangciso (umlingane wakho wokuqala) uyafa ngaphandle kokukukhetha njengomvuzo, unokushiywa kungekho nto. Kungcono ukuqalisa iphepha le-QDRO kwimini yokuqhawula umtshato ukuze inkundla ikwazi ukugqiba umtshato kwaye ivume i-QDRO ngexesha elinye.