Indlela Inzuzo Yerhafu Ibalwa ngayo
Iminikelo yakho kwisicwangciso se-FSA icwangciselwe eceleni kwentlawulo engaphambili. Ngokutsho kukaCindy Hockenberry, uMlawuli woPhando lweRhafu noBudlelwane boRhulumente kuMbutho kaZwelonke weeNgcali zerhafu, "Isixa senceba sisuswa kumvuzo wakho omkhulu phambi kokuba umthamo werhafu we-federal ubalwe." Ukongezelela ekunciphiseni irhafu yengeniso oyihlawulayo, igalelo le-FSA liyanciphisa irhafu yakho okanye i-FICA irhafu, eya kuba ngumlinganiselo olinganayo wokulondolozwa kwinqanaba lakho.
"Akukho ngqesho okanye i-tax revenue tax deducted from your contribution," kuchaza i-IRS kwiPublication 969. Le yindlela kuphela enokuthi unciphise ngokukhawuleza irhafu yakho yokuhlawula i-payroll, mfutshane yokuthatha isinqununu.
ZoLondolozo lwezeMpilo zeFSA
I-FSA iya kwiintlobo ezimbini. Kukho ii-FSAs zonyango ezijongene neendleko zonyango kunye namazinyo kunye nenkathalo enoxhomekeke kwi-FSAs ejongene neendleko zansuku zonke zokunyamekela abantwana bakho. Ngenxa yokunyuka kweendleko zonyango kunye neendleko zonyango namhlanje, ii-FSA zezokwelapha zixhamla ngokukhethekileyo. Iindleko zonyango zithengwa irhafu kuphela xa iindleko zakho zidlula i-7.5 ekhulwini yemali engenayo. Kuyafaneleka ukuba uqaphele ukuba kufuneka ukwazi ukuphendula iindleko zakho ukwenzela ukuba ubangole le mivuzo njengencitshiswa. IiFSA zonyango ziyanciphisa ingeniso yakho ehlawulwa irhafu kwi-bat, kunye negalelo kwi-FSA yezokwelapha ingasetyenziselwa ukuhlawula iindleko ezingenakuhlawulwa irhafu, njengamayeza eninzi.
Ziziphi iNgqungquthela Ukunyamekela Inkathalo?
Ukunyamekelwa kwe-FSA yokuxhomekeka kuyasetyenziswa ukubeka eceleni iidola ezingaphambili zerhafu ukuhlawula ukunakekelwa kwabantwana kodwa kubandakanya iinkonzo zonyango lomntu omdala. Le yinzuzo ebalulekileyo namhlanje ngenxa yesizukulwana "sesitshixo" esifanele sinyamekele abantwana babo kunye nabazali abagulayo. Iindleko zokuxhomekeka ezixhomekeke kumgangatho ovumela ukuba usebenze, okanye ufune umsebenzi kwaye kufuneka ube ngumnyameko womntu ofanelekileyo (ngokuqhelekileyo oxhomekeke kuye ).
FSA Drawback
Impendulo enkulu kunye ne-FSAs kukuba kufuneka usebenzise yonke imali oyibeke eceleni ngamnye ngonyaka, ngaphandle koko, iminikelo ilahlekelwe. Ezi "zisebenzise okanye zilahlekelwe" imigaqo yayisanda kukhululeka yi-IRS. U-Kay Bell we-IRS uchaza ukuba i-IRS iya kuvumela i-FSA ukuba ihlawule amabango ukuya kwiinyanga ezimbini neyesibini emva kokuphela konyaka wenzuzo yesicwangciso. Nangona kunjalo, abalawuli besicwangciso akudingeki benze njalo. Njengomqeshwa, kufuneka ucele ummeli wakho wezabasebenzi ukuba ngaba nayiphi na imali yabo yeFSA ingaqhutyelwa kunyaka olandelayo.
Izixhobo ezininzi zeFSA:
- Iyiphi i-Akhawunti ye-Flexible Spending Account? (Malunga neSoft Software)
- Ukulawula i-FSA yakho nge-Software Software (nge-Software Software)
- Ukukhulisa iiNzuzo zakho zeNgqesho (malunga noCwangciso lwezeMali)
- I-Flexible Spending Arrangements ukusuka kupapashwa 969 (iNkonzo yeNgeniso yangaphakathi)
- Iindleko zonyango kunye namazinyo, ukupapashwa kwama-502 (i-IRS)
- Iindleko zonyango kunye nabantwana abaxhomekeke kuyo, Ukupapashwa 503 (IRS)