Payroll deductions zvinogona kusungirwa kana kuzvidira. Kuziva mutsauko uye kuti nei kubviswa uku kuripo kuchajekesa kuti sei mubhadharo wako hauna kufanana nezvinobhadharwa.
Kana iwe uine mibvunzo yakawedzera mushure mokuverenga nemashoko aya, dhipatimendi reHuman Resources ndiro rako rakanakisisa rekushandisa.
Vanogona kupindura mibvunzo yako pamusoro pekubhadhara kwako, kubhadharwa, uye kubhadhara mubhadharo.
Kubvumirwa Kwokubhadharwa Kwemitemo
Uyo anoshandira anodiwa nemutemo kuti arege kubhadhara mitero yebhadharo kubva kumubhadharo mukuru wevashandi vasati vapa chikwereti chekubhadhara kutevera mitemo yehurumende. Vashandi vanokundikana kutevera mutemo pamabhadharo anosungirirwa vanosununguka kune mhosva, mari, uye kunyange, kunze kwebhizimisi. Sevashandi, iwe unongoda kunzwisisa zviri kuitika.
Iyi ndiyo mitemo yekubhadhara mari yemitero:
- Mutero wemutero wehurumende,
- Hurumende inobhadhara mitero, uye
- Musha (guta, guta) mutero wemari inobhadhara mune dzimwe nzvimbo. (Mimwe mitero yemunharaunda inogona kusanganisira mitero yomunharaunda yechikoro, mitero yekoroji yemunharaunda, utano hwehurumende kana inshurensi yekusashanda, somuenzaniso.)
Chikamu chechipiri chekubhadharwa kwemitemo inobvumirwa ndeyeFICA (Federal Insurance Contributions Act) mitero inosanganisira:
- Social security tax and
- Medicare mutero inholding.
Zvichienderana nehutano hwako uye nzvimbo yako, unogona kunge wakasiyana zvikuru nemitero. Hurumende yemutero inotarisa inofanana kune dzimwe nyika kune vose vanobhadhara.
Voluntary Payroll Deductions
Kunyange zvazvo mutemo usingadi kuti mushandirwi atore rubatsiro rwekuzvidira kubva kumitero, vashandi vakawanda vanoita. Mune zvimwe zviitiko, kubviswa kwezvipo zvekubhadhara zvinokodzera kumushandi.
Mune vamwe, kubhadharwa kwemari yekuzvidira kunokodzera kumushandi.
Kubviswa kwezvipo kubva pamari yakazara kunosanganisira zvinhu zvakadai semipiro yezvipo (somuenzaniso, United Way) pamwe nemugove wevashandi unobvunzwa kumushandi-akapiwa utano hwehutano, mazino, kana maonero ehutano hwehutano. Zvinosanganisirawo:
Zvimwe kubhadhara mari yekuzvipira zvinogona kubhadharwa kuburikidza nemubhadharo wevashandi. Izvi zvinosanganisira zviuru zvakasiyana-siyana zvinoshandiswa nevashandirwi 401 (k) zvirongwa, kana kana pasina mushandi wekushandira, iyo inobhadharwa kusati yatere uye Roth 401 (k) inobhadharwa mushure mekuteresa.
Imwe nzira yakawanda inowanzodiwa yokubhadhara mubhadharo ndeyekuwedzera mari inoshandiswa nemubhadhari wehupenyu. Vashandi vakawanda vanobhadhara hupenyu hwehutano hwehupenyu hwevashandi. Asi, vashandi vanogona kusarudza huwandu hwekuzvidzivirira ivo pachavo, avo vakaroorana, uye mhuri kana vakasarudza.
Kutora mvumo uye kuzvipira kwezvipo zvekubhadhara, mushandirwi anofanira kutanga atora mubhadharo wevashandi, unonzi mubhadharo wakakura, waiwana panguva iyoyo. Uyo anoshandira ndiye anobva abvisa zvinoregererwa uye zvinokonzerwa nokuzvidira kubva mubhadharo uyu wose kuti asvike pamubhadharo wemubhadharo wemushandi.
Nokuti mitemo yemitero yeUnited States inopesana uye zvikwereti zvinodziviswa, vashandi vanoda kuda kutaura nehurumende Dhipatimendi reVashandi uye gweta ravo rezvemabasa pavanotanga kushandira vashandi.
Inobhadhara kuziva izvo zvinodiwa nemutemo. Bhizimisi rako rezvemabhizimisi rezvemabhizimisi ndiro rimwewo nyanzvi munhau dzine chokuita nemitero yemitero uye kudhakwa.
Sezvo iwe pachako, tarisiro, iwe unonzwisiswa zviri nani pamusoro pokuti sei mari yako yekubhadhara inogona kuva yakaderera zvakanyanya kupfuura mubairo waunoshandira wako ari kukubhadhara iwe (mubhadharo wakakomba) - uye apo mari iyo inofamba.