Ukuqhathaniswa kunye neziKhokelo zoQuqulelo ze-HSAs, ii-FSAs, kunye ne-HRAs
Ukongeza, ngezinye izicwangciso ungafumana inzala kwimali yakho ngelixa uhleli apho ulindele ukuba ulisebenzise. Ii-HSA zisebenza ngoku:
1. Wena kunye / okanye umqeshi ubeka imali kwi-akhawunti yakho ye-HSA (i-akhawunti ingasetyenzwa ngumqeshi wakho njengenzuzo okanye ubeka i-akhawunti kwiinkampani yangasese njengenkampani yomshuwalense).
2. Imali yakho ihleli kwi-akhawunti njengokuba yayiza kubhankini yebhanki, ngaphandle kokuba imali ibekwe kuyo ngaphandle kwentlawulo kwaye iya kuzuza inzala engaphezulu kunokuba i-akhawunti yebhanki.
3. Xa kufuneka usebenzise imali yakho (kufuneka uhlawule umrhumo, uhlolisiso lwamazinyo, okanye uhlawule i-inshorensi yakho yangoku) unokunikezelwa ngekhadi lokubambisa ukuhlawula iindleko ngokuzenzekelayo okanye icebo lakho lingadinga ukuba ubathumelele ikopi yerisidi kwaye baya kuhlawulela ngemali kwi-akhawunti yakho yokulondoloza impilo.
Izinketho zeAkhawunti ye-Savings Health: HSA, FSA, kunye ne-HRA
Kukho iindlela ezintathu ezitholakalayo kwindawo yokunakekelwa kwempilo yabathengi kwi-akhawunti yokulondoloza impilo ukuxhasa i-inshorensi yezempilo.
Ezi zikhethi ziquka:
1. I-HSA (I-Akhawunti Yokugcina Impilo)
2. I-FSA (i-Akhawunti yokuThengisa iFlexible)
3. I-HRA (Ukulungiswa kweMpilo yeNtlawulo)
I-Akhawunti Yokulondolozwa Kwempilo, okanye i-HSA, iya Kusebenza Ngona Mgangatho Wobungqina Bomshuwalense Wezempilo?
Ezi khetho ze-akhawunti yokulondoloza impilo zineenkalo ezahlukeneyo ezifana nezikhokelo zemfundo kunye neempembelelo zerhafu ke ukuba uthengisa i-akhawunti yokulondoloza impilo kufuneka ufumane isicwangciso esiya kufumana iimfuno zakho.
Ezinye zifumaneka kuphela kumqeshi ngelixa ezinye zivulelekile kubantu abafuna i-inshorensi yezempilo. Ngezantsi ungafumana uncedo ekuhleleni apho i- akhawunti yokulondoloza impilo ikulungele . Nalu ulwazi malunga neendlela ezintathu ezikhethiweyo ze-akhawunti zokugcina imali:
I-Akhawunti Yokugcina Impilo okanye i-HSA
Ngubani ofanelekileyo kwi-HSA? Nabani na onesicwangciso se-inshurensi yezempilo ekhutshwe phezulu equka abantu abaqeshwe ngabanye. Yiyiphi into efanelekileyo yokuchithwa okuphezulu kunqunywe ngonyaka.
- Ziziphi iindleko zonyango ezifihliweyo kunye ne-HSA? Iindleko zonyango ezingahlawulwanga njengoko kuchaziwe yi-IRS, iintlawulo ze-inshurensi yezempilo, ezinye iinkqubo zokunyamekela kwexesha elide, kunye neeprojama ze-inshorensi yempilo ngelixa zifumana umvuzo wokungasebenzi.
- Ngaba kufuneka ndibe ne-Inshurensi yeMpilo ukuba ibe ne-HSA? Ewe, kufuneka ube nesicwangciso se-inshurensi yempilo ephezulu echithwe ngokukhawuleza ukuze ufumane i-HSA.
- Ngubani onokunika imali kwi-HSA yam? Wakho okanye wakho umqeshi.
- Ndingayisebenzisa nini Imali Yami? Ungasebenzisa imali yakho nayiphi na ixesha kwiindleko ezifanelekileyo.
- Ngaba Ndiyichitha Imali Yami? Hayi, yimali yakho kwaye ihlala kwi-akhawunti yakho emva konyaka.
- Ziziphi i-Savings Tax? Imali yakho ingena kwi-akhawunti yakho phambi kokuba ihlawulwe.
- Ndiyakuthatha i-HSA kunye nam kwiJob kuJobhi? Ewe
- Ndiqala njani i-HSA? Okokuqala, khangela ukuba umqeshi wakho unikela ngeminikelo kwi-HSA (ungayifumani le nto ididekile kunye neFSA exhaswe ngumqeshi-jonga ngezantsi). Ukuba benza ngoko banokukunika ulwazi lokumisela i-akhawunti evumelekileyo. Ukuba azinjalo, qhagamshelana nenkampani yakho yinshorensi yempilo okanye ibhanki malunga nendlela yokumisela i-HSA. Baza kukuxelela ukuba isicwangciso sakho se-inshorensi yempilo siyakulungeleka (kufuneka sibe semali ephezulu) kwaye ikuthathele inkqubo yokwenza i-akhawunti yakho.
I-akhawunti yeFlexible Spending Account okanye i-FSA
Ngubani ofanelekileyo kwiFSA? Umqeshwa wenkampani enika i-akhawunti yokuchithwa kwemali.
- Ziziphi iindleko zonyango ezifihliweyo nge-FSA? Iindleko zonyango lwezonyango ezingazange zibuyiselwe njengoko kuchazwa yi-IRS.
- Ingaba kufuneka ndibe ne-Inshurensi yezeMpilo ukuba ibe neFSA? Hayi
- Ngubani onokunika imali kwi-FSA yam? Wena, umqeshi wakho okanye bobabini.
- Ndingayisebenzisa nini Imali Yami? Usebenzisa imali yakho nayiphi na ixesha. Nge-FSA, ufumanisa ukuba ungaphi na imali onokuyifaka ngonyaka kwaye unokuqalisa ukusebenzisa loo mali ekuqaleni kwonyaka nangona umrhumo ungazange uhlangane nangoko (umrhumo udla ngokusasazeka kunyaka nje nje nge-payroll ncitshiswa).
- Ngaba Ndiyichitha Imali Yami? Ewe, nayiphina imali engasetyenziswanga ongeyisebenzisiyo kunyaka onikeziweyo ayifumanekanga kunyaka ozayo ke ngoko nge-FSA kubalulekile ukucwangcisa ukuba uninzi lwemali ofuna ukufaka isandla ngaphambi kwexesha kwaye ungenzi inxaxheba kakhulu.
- Ziziphi i-Savings Tax? Imali ifakwa kwi-FSA ngaphambi kokuba ihlawulwe.
- Ndiyakuthatha i-FSA kunye nam kwi-Job ukuya kuYobhi? Hayi, xa ushiya umqeshi wakho awukwazi ukuyigcina imali yakho, kodwa akuyi ku funeka uqhubeke nokwenza igalelo lakho lokubhadela.
- Ndiqala njani iFSA? Qhagamshelana nomqeshi ukuba ubone ukuba ngaba banikela nge-FSA.
Ukulungiswa kweMpilo yeNtlawulo okanye i-HRA
Ngubani ofanelekileyo kwi-HRA? Nabani na onomqeshi onika i-HRA. Ii-HRA ziingxelo ukuba umqeshi angazilungiselela abasebenzi ukuba bawancede bahlawule iindleko ezihlobene nezempilo ezingaphandle kweefowuni. Le nto yenzelwe ukunceda umqeshi ukuba amise iindleko zonyango zempilo kubasebenzi bawo. Imithetho imiselwe kakhulu kumqeshi
- Ziziphi iindleko zonyango ezifihliweyo nge-HRA? Iindleko zonyango ezingazange zibuyiselwe njengoko kuchazwa yi-IRS.
- Ingaba kufuneka ndibe ne-Inshurensi yeMpilo ukuba ibe ne-HRA? Oko kugqitywa ngumqeshi wakho.
- Ngubani onokunika imali kwi-HRA yam? Kwakhona, oku kumqeshi wakho.
- Ndingayisebenzisa nini Imali Yami? Ngokuqhelekileyo emva kokuba i-akhawunti yakho imiswe ngumqeshi wakho. Umqeshi wakho uya kugqiba xa ufanelekile kwi-akhawunti.
- Ngaba Ndiyichitha Imali Yami? Kwakhona, oku kumqeshi wakho.
- Ziziphi i-Savings Tax? Ukuba unika isandla kwi-akhawunti yakho imali iya kuba yerhafu.
- Ndiyakuthatha i-HRA kunye noYobhi kuYobhi? Kwakhona, oku kumqeshi wakho.
- Ndiqala njani i-HRA? Xhumana nomqeshi wakho ukuba abone ukuba bahambisa ii-HRAs. Ukuba abayithandi kwaye ungathanda umqeshi wakho ukuba anikele omnye unokukhuthaza umqeshi wakho ngokubazisa ukuba yintlawulo yerhafu kubo kwaye kuya kuba yinzuzo enkulu yomqeshwa ukukhupha iindleko zokunakekelwa kwezempilo kubaqeshwa babo.