Ndiani Anobhadhara Inishuwarenzi yeHumale?
Sekushanda, iwe unogona kusarudza kubhadhara kwekuremara kwemazuva mashoma nekuvhara kwenguva refu kwekuremara , kuisa mutoro wekubhadhara hurema kune mushandi kana kugovera mari yekugovera.
Vashandi vakawanda vari kusarudza kugovera mari yekugadzirisa kana kuti vashandi vanobhadhara mari ye inshuwarisi yehurema nekuda, muchikamu, kumitemo yeRS yemazuva ano inoita kuti zvive nyore kuita zvakadaro.
Kana iwe, sevashandi, sarudza kuribhadharira mubayiro, vashandi vako havateresi pamutengo wepayimusi pasi pe IRS Code Chikamu 106. Pasi IRS Code Chikamu 125, kana ukasarudza kuchinja mari kune vashandi, vanobhadhara mubayiro inotora mutero kubhadharwa kuburikidza nemari yekubhadhara mari. Nekudaro, vashandi vaizokwanisa kuunganidza mutero usingabhadhari kana vakagadzirirwa zvekuremara.
Chisarudzo Chipi Chakakonzera Kambani Yenyu?
Hapana chakanaka chakanaka kune chero kambani. Mamwe makambani achapa zvose chirongwa chekuremara chinoshandiswa nevanoshandira uye chirongwa chekuremara chebasa. Izvi zvinowanzotaurwa nezvekusarudzwa kwemutero. Mamwe makambani haapi kupa vashandi sarudzo uye anopedzisa kusarudza chirongwa chavanotarisira chichakodzera zvakakwana vashandi vavo.
Sarudzo ndeyako.
Vashandi vanosarudza kubhadhara mari yemishandirapamwe vanobatsira vashandi kudzivisa mari yekubhadhara mari yemishandirapamu, asi kana mumwe mushandi achibuda akaremara, ivo vane mhosva yemitero pane chero mari yavanowana. Apo vashandi vanobhadhara mari yezvikwereti zvavo zvekuremara kuburikidza kuburikidza nemabhadharo ekubhadhara, kubatsirwa kwemarema avo vanogamuchira hakukwanisi kubhadharwa kana iwe mushure mokunge wakaremara.
Uyezve, chero mushandi anoshanda kupa vashandi mukana wekuita mitero mushure mekunge agamuchira zvipo zvavo zvekuremara pamutero usingabhadhari inoda kuchinja chirongwa chavo chechikamu chechikamu 125 uye kuudza vashandi.
Kunyange zvazvo vazhinji vashandi vangada kuti vashandi vavo vabhadhara mari yepamutengo; izvo zvingave zvisina kudaro kana vachizobuda vachiremara. Zvikwereti zvepakutanga hazvisi zvishoma asi kana iwe uchienzanisa izvozvo kusvika pamutero wemitero pamusoro pemari yekuremara, iyo mari inogona kubhadharwa nemufaro, sezvinoratidzwa nemuenzaniso uri pasi apa.
Muenzaniso
Kufunga kuti mushandi anoita $ 50,000 pagore, ari mubhaxikiti yematero 30% uye ane hutachiona hwekuremara huchabhadhara 60% yemari yehurema pamusoro pekuremara nekambani inokwana 28 cents pamadhora evanhu 100 emushandi.
Pre-Disability Revenue: $ 50,000
Mitero paMari: $ 15,000 (Federal, State, FICA - 30%)
Net Tora Kubhadhara Mari: $ 35,000 pagore (70%)
Mushandi-Akabhadhara
- Kuremara Kunobatsira (60%) $ 30,000 pagore
Mitero: $ 9,000
Net Benefit kana Taxed: $ 21,000 (60% yekare yaimbobhadhara pamusha)
Mushandi-Akabhadharwa
- Kuremara Kunobatsira (60%) $ 30,000 pagore mushure mekunge Mutero
Premium pa $ 50,000: $ 140 pagore ($ 50,000 x 0.28 / $ 100)
Net Benefit kana Isina Taxed: $ 21,000 (60% yekare yaimbobhadhara pamusha)
Mumuenzaniso uyu, unogona kuona kuponeswa kunoitwa nomunhu anobuda kunze kwekuremara kwaizove kana vakabhadhara mari yavo yepayimusi uye yese mitero pairi.
Zvechokwadi, kune avo vasingaendi pahurema, vanogona kubvisa $ 140 kubva kune rimwe gore mumuenzaniso uyu, kana vasina kuenda kuhurema. Ichi ndicho chikonzero makambani akawanda anopa vashandi sarudzo yekuti vangada kubhadhara sei mihoro.