Ukuhlawula i-premium yenkxaso-mali ye-COBRA kwirejista yakho yentlawulo yaseburhulumenteni
Abanye abantu, nangona kunjalo, abanako ukufumana inkxaso ye-inshorensi yempilo ngenxa yengeniso yabo. Kule nqaku ndiya kuxoxa:
- Ukunciphisa umvuzo we-COBRA uncedo lweprayimum
- ingaba uncedo lwakho lwe-premium COBRA luhlawuliswa kwaye ukuba kunjalo, lukhulu kangakanani
- indlela yokubala nayiphi na indlela yokubuyisela okanye ukuhlawula isibonelelo se-premium COBRA owamkelayo,
- indlela yokuyibika le ntlawulo yakho yentlawulo yerhafu,
- imithetho efanelekileyo, iifayile zokusebenzela zerhafu, kunye nezixhobo ze-IRS.
Imilinganiselo yeNgeniso kwi-COBRA Premium Assistance
Ndifuna ukucaca ukuba ukuhlawula i-Treasury yase-US kwiinkxaso ze-COBRA yinkqubo yokubukeka. Ngexesha lokucinywa okanye ukunciphisa iiyure zabo, abantu banokuba neempumelelo zokufumana inkxaso yomshuwalense wezempilo phantsi kweCOBRA. Wonke umntu ofanelekileyo ukuqhubeka nokufumana iinshorensi zabo zavunyelwa ukuhlawula kuphela i-35% yama-premium awo. Abantu ababazi into yokuba imali yabo ingenakuphakanyiswa ukuba bafumane ukufumana inkxaso-mali bangakhetha ukuphuma kwenkxaso-mali kwaye banyulwa ukuhlawula i-100% yeprayimari zabo.
Nangona kunjalo, abaninzi abantu abanakukwazi ukuba kamva ukuba ingeniso yabo iya kuba yanele ngokwaneleyo ukuba ingabi mfuneko kwi-premium ye-COBRA. Ukujonga emva kwonyaka odlulileyo, kunokucaca ukuba umvuzo womntu uphakeme kakhulu. Mhlawumbi kuba bafumene umsebenzi omtsha okanye babeneminye imithombo yokufumana ingenakulindelwa.
Kwiimeko ezinjalo, abantu banokufumana isidingo sokuhlawula okanye ukuphinda bafumane ukuxhaswa kwe-premium ye-COBRA efunyenwe kwi-tax revenue tax federal.
Kwabahlawuli berhafu abangatshatanga kunye nabasetyhini abafakela ngokwahlukileyo , ukuba "ingeniso yabo epheleleyo ehlengahlengisiweyo" ingaphantsi kwe-$ 125,000 ngonyaka, ngoko naluphi na uncedo lwe-COBRA olwamkelekileyo alufumananga ngerhafu kwaye akukho kufunwa kwakhona. Ukuba ukuguqulwa kwabo kwenguqu engama-125,000 nangaphantsi kwama-$ 145,000 kunyaka, ngoko ke inxalenye ye-COBRA yenkxaso-mali ye-premium kuyo ngaloo nyaka kuya kufuneka ihlawulwe kwi-Nondyebo. Ukuba ukuguqulwa kwazo okulungisiweyo kumvuzo oyi-145,000 okanye ngaphezulu, ke yonke inkxaso yeCOBRA iya kufuneka ihlawulwe kwakhona.
Kubahlawuli berhafu abatshatileyo bayifaka ukubuyisana okuhlangeneyo , ukunciphisa umvuzo kubini ixabiso elingenhla. Ngaphantsi kwe-$ 250,000 yengeniso, akukho kukhishwa kwakhona kweCOBRA. Phakathi kwama-250,000 kunye nama-$ 290,000, ezinye ze-COBRA kufuneka zihlawulwe. Kwingeniso ye-$ 290,000 okanye ngaphezulu, yonke inkxaso ye-COBRA kufuneka ibuyiselwe.
Ingeniso ehlawulweyo yokulungiswa kwemali ngenjongo yokubala ukubuyiswa kwe-premium yenkxaso-mali ye-COBRA ichazwa njengengeniso ehlawulisiweyo eboniswe kwingxelo yakho yerhafu yonyaka kunye neentlawulo zerhafu ezilandelayo zongezwa kwakhona: imali engenayo yangaphandle kunye nemali engenayo evela eGuam, eMelika Samoa, eMntla IMariana Islands kunye nePuerto Rico.
Ukubala ukuphindwa kwakhona okanye ukuhlawula inzuzo ye-premium COBRA
I-Manual In Revenue Manual inikezela inkcazo ecacileyo yendlela umvuzo wokuhlawulela ubalwa ngayo: "Ukumisela inani lemali eyongezelelweyo, ukwahlula inani lemali engenayo echitshiweyo ehlawuliswe ngaphezu kwe-$ 125,000 ngamawaka angama-20,000, okanye imali engaphezu kwama-250,000 ngamawaka angama-40,000 ngama-40,000. Ipesenti ibalwe, iphindwe ngumlinganiselo we-premium uncedo, imali efunekayo ukuba ibuyiselwe. Iphepha lokusebenzela F kwi-Pub 502 linokusetyenziswa. " IRM 21.6.4.4.18.1.
Uncedo olunjani lwe-COBRA yakho premium? Ewe, unokukufumanisa oku kuvela kumqeshi wakho wangaphambili okanye unokukwazi ukuzibala ngokulula. Ekubeni i-premium i-COBRA iikhompyutyrali ozihlawule zona zaxhaswa, uhlawule kuphela i-35% yesamba semali. Urhulumente wephondo uhlawule elinye i-65%.
Ngoko thabatha imali oye uyihlawula kwaye uhlule ngo-0.35 ukufumana inani elilingana ne-100% yee-premiums zakho ze-inshorensi, kwaye wande nge-0.65 ukufumana imali eyayixhaswa nguRhulumente wephondo.
Ukususela apho unako ukubala inani lakho lokuphindaphinda. Ngokwenene inani eliphindwa kwakhona lilinganiselwe kwingeniso yakho ngokubhekiselele kumgca we-phaseout, kwaye loo milinganiselo iya kwandiswa ngumlinganiselo we-COBRA uncedo lweprayimum ukufika kwisixa ekufuneka sihlawulwe kwi-rhu lumente. Ungasebenzisa "Iphepha lokusebenzela F" elifumaneka kwiphepha 24 le-IRS Publication 502 ukubala inani lokubuyisela.
Ukubika i-COBRA kwakhona Ukubuyiswa kweRhafu yakho
Emva kokuba ubale inani lemali ye-COBRA yenkxaso-mali yokuqala efuna ukuhlawulwa kwakhona, ubika loo mali ngokuthe ngqo kwiFom yakho ye-1040. Ukuba ulungiselela ukubuyela kwakho ngesandla, kumgca ocacileyo ophantsi kwe-Line 60 ubhale kwi-COBRA kwaye inani lokuphindaphinda, kwaye ungeze le mali kwisixa sakho seerhafu esichazwe kwiNgcaciso 60.
Nini ukubika ingxelo yeCOBRA
Uxhasomali lwe-COBRA lwalufumaneka kwiinyanga ezili-9 ukuba umntu akazange asebenze okanye angasebenzi phantsi kweSeptemba 1, 2008, kunye noMatshi 31, 2010. Ngoko ke, i-COBRA iya kuphinda ifake isicelo seminyaka yerhafu 2008, 2009, 2010, no-2011.
Imithetho eSebenzayo, iifayile zeeRhafu kunye neRS Resources
Ukubonelelwa ngokutsha kwabantu abafumana imali engenamalungelo kwakumiselwe ngokomthetho njengenxalenye ye-American Recovery and Reinvestment Act, ngokukodwa kwicandelo 3001 (b). Unokufumana itekisi epheleleyo yaloo mithetho eqala kwiphepha 351 yefayili ye- pdf ye-HR 1 .
I-IRS icacisa uncedo lwentlawulo ye-premium ye-COBRA kunye nokubonelela kokubonelela kwaye inikezela ngeFebhu F ekubaleni inani lokubuyisela kwi- Publication 502 , iphepha 24.