Amaqabane angasebenzisa ii-QDRO zokuSahlukana kweeAfa zomhlala-phantsi kwiSahlulo
Imiba enzima ngokuqhubekayo yimeko yokuhlawula irhafu yeakhawunti yomhlala phantsi. Ngaphantsi kweemeko eziqhelekileyo, nantoni na eyenziwa ngaphambi kokuba umhlalaphantsi ixhomekeke kwizigwebo zangaphambili zokuxotha . Kodwa ukuqhawula umtshato akunjalo kodwa. Yilapho iphepha elifanelekileyo linokukunceda. Kubizwa ngokuba yi- QDRO, umyalelo wobudlelwane basekhaya olufanelekileyo , kwaye ukuba uqhawula umtshato neqabane lakho kukufuneka ukuba ukwahlule i-asethi yesicwangciso somhlalaphantsi. I-QDRO ingumqulu, ulungiswe ngendlela ethile, ukuba iyavuma enye i-payee yeefa kwi-akhawunti. Ngamanye amagama, inkundla yenkundla eqinisekisa ukuba ngaphezulu komntu oyedwa uya kuzuza ngokulondoloza umhlalaphantsi.
Ukuqonda iQDRO
Kukho izinto ezimbalwa ezibaluleke kakhulu ukuba wazi malunga ne-QDRO, kuba ukungazi kungabiza. Kungakhathaliseki ukuba ubudala bakho, imali ehoxiswa nge-QDRO ayixhomekeke kwi-10 yepesenti yokuhlawulwa kwentlawulo yezohlwayo .
Ngelishwa, unokuba lula ukujongana nezohlwayo zerhafu kunye nenkohlakalo elula ye-QDRO.
I-QRDO ngumyalelo wobudlelwane basekhaya, oku kuthetha ukuba yenziwe ngumgwebi okanye umyalelo, kwaye inkulu njengenkxaso yokuxhasa abantwana, i-alimony, okanye nayiphina into enikezwe kumlingani ngamnye ngokuqhawula umtshato. Urhulumente kufuneka angene kwisigwebo okanye ummiselo ovuma okanye owamkela i-QDRO, kwaye kufuneka ihlonishwe ngu-federal government phantsi kwe- ERISA .
Umnye umvuzo unokuba ngumlingane, umlingane naye, umntwana okanye omnye umntu oxhomekeke kuye. Ezinye iintlobo zeetyala ezingezinye aziyi kuqwalaselwa.
La maxwebhu kufuneka ahlelwe ngendlela ethile ukuba ithathwa njengelungileyo. Kufuneka zibandakanye:
- Igama lomnini wecebo kunye nedilesi yokuposa
- Igama elongezelelweyo lomvuzo kunye nedilesi yokuposa
- Ipesenti iya kwinye isipho
- Leyo pesenti imiselwe njani
- Inani leentlawulo ezibandakanyiweyo kumyalelo
- Ziza kwenziwa njani iintlawulo
Kufuneka iqinisekiswe ngokuchanekileyo ukuba ithathwa njengeyasebenza phantsi komthetho. Emva kokuba kuvunywe, umqulu we-QDRO unikezelwa kwisicwangciso somlawuli, ngubani na owenza isicwangciso ngaphakathi kwe-QDRO. Isicwangciso somlawuli siya kwazisa esinye isipho somyalelo, kunye nokusebenza kwayo kunye nemiyalelo. Umlinganiselo wezenzo uza kuboniswa.
Indlela yokufumana i-QDRO
Ukuba uqhawula umtshato, qalisa ngokucela ulwazi oluninzi ngumphathi wakho 401 (k) , 403 (b) , 457 (b) , ipenshini ehlawulwayo inzuzo okanye i-akhawunti yomhlala-phantsi echaphazelekayo (ingabandakanywa iIRAs). Kubekho ifom eqhelekileyo esetyenziswe kwisicwangciso esingenaselula kwaye kulula ukuzalisa wena. Igosa liyakwazi kwakhona ukuqulunqa i-QDRO egameni lakho, enokubaluleka ngeendleko ezongezelelweyo xa kunika isiqiniseko sokuthi umyalelo uya kwenziwa ngokuchanekileyo.
ISebe lezeMisebenzi linomdla we-QDRO ngokuphindaphindiweyo ubuze imibuzo ukukunceda uqonde ezinye zezomthetho ezicacileyo.
Yintoni enokuyenza ngee-asethi ze-QDRO
Ukuba ufumene okanye ucwangcise ukufumana ifa lempahla yomhlala phantsi ngokusebenzisa i-QDRO, unako ukhetho oluninzi. Ungathabatha imali njengemali kwaye uhlawule irhafu kuyo namhlanje. Kodwa ukuba unako ukulinda, ukuhamba okungcono kunokubekwa ukugcina imali kwisicwangciso somhlala-phantsi esifanelekileyo (umz. 401k) kwaye uvumele ukuba uqhubeke nokukhula ukuhlawulwa kwentela kude kube ngumhlalaphantsi . Unokwenza uqulunqe i-QDRO ukuze elinye iqela (wena) lishiye imali kwisicwangciso somlingane kodwa ugcine ukukwazi ukutshala isabelo sakho njengoko ukhetha. Okanye unako ukuhambisa imali kwi-IRA rollover egcina i-asethi yerhafu echazwe kwaye iphantsi ngokupheleleyo phantsi kolawulo lwakho.
Ngoko ungavumeli umtshato uqaphele iimpahla zakho zomhlalaphantsi.
I-QDRO ayinokuba lula, kodwa yenza lula ukuhlula iqanda lakho.