Ndezvipi Zvinodhaka Zvokurapa Mutero Deductible?
Kanzira chirwere chinodhura. Panguva imwechete iyo iwe unotarisana nekopays, zvinodhakwa, uye yekufambisa mari yekurapa (kutanga), vanhu vazhinji havagoni kuramba vachishanda, zvichida kushanda nguva yakazara. Mukuwedzera, vakaroorana uye vakaroorana vanowanzova vatarisi vemhuri, vachideredza mari kubva kune iyo mirairo pamwe chete. Kuenzanisa kwekushandisa mari yakawanda nekuita zviduku kunogona kuenzana nekushushikana uye kunyangwe kutya, panguva apo pane zvakakwana kuzvidya mwoyo pamusoro pekare.
Pane zvinhu zvishomanana zvaunogona kuita, zvisinei, kuderedza kushungurudzika kwemari. Murwere wako wehutano wehutano hwevanhu hunogona kunge ane mazano ekutsigira mari kana kuderedza mari, asi pane chimwe chinhu chaunogona kuita pakarepo icho chinogona kuita mutsauko. Kana iwe uchitanga kuchengeta zvinyorwa zvakanyatsonaka zvemari -kunze kwehomwe yezvokurapa nhasi, unogona kuona kuti iwe wakachengetedza mari yakawanda yakauya nguva yebhadharo.
Kanzura uye Mutero Kunotswa Kwemari Yezvokurapa
"Chinhu chakaoma pane zvose munyika kuti unzwisise mutero wemari." - Albert Einstein
Kubva musi wa12/31/16, kuregererwa kwechiremba kunofanira kudarika 10 muzana (vs 7.5 muzana isati yasvika panguva iyoyo) yemari yako yakagadziriswa yakawanikwa. Vanhu vazhinji vanoodzwa mwoyo vachitarisa izvi, uye havatendi kuti zvingave zvichibvira kuti mari ive yakakwirira. Asi vazhinji vanoshamiswa pavanowedzera pamwe chete mari yose (ona muenzaniso uri pasi apa) uye uwane kuti vanofanirwa nekodzero yekubhadhara mutero.
Usati warega kubviswa kwechiremba sezvisingabatsiri kumamiriro ako ezvinhu, tora nguva yekudzidza nezvemhando yemari yakaderedzwa. Ndezvipi zvinyorwa zvekufanirwa kuchengeta? Inguva yekubhadhara mutori wenhoroondo here? Zvakadini nemayero emishandisirwo emishandisi
Tsanangudzo yeDeductible Medical Expense
Zvokurapa zvinogona kuderedzwa zvinosanganisira zvipo zve "kuongororwa, kurapwa, kuderedza, kurapa, kana kudzivirira zvirwere, kana kubhadharwa kwemishonga inobata chero sarudzo kana basa remuviri."
Mariro Yezvokurapa Izvo Zvinodzingwa
Zvokurapa zvisingabhadharwi nehutano hwako hwehutano kana chirongwa chekuchengetedza hutano chinogona kubviswa. Ramba uchifunga kuti izvi zvinodhura zvinoda kubhadharwa nemari, kadhi rechikwereti, kana cheki, mukati megore rauri kutora mitero. Mari dzinogona kuderedzwa dzinosanganisira:
Inishuwarenzi
- Zvikwereti zvakabhadharwa kune hutano hwehutano huri zvirongwa
- Iwe haugoni kubvisa mari yaunoshandisa kubhadharira miriyamisi kana mihorosi yepayimusi yekubhadhara. Uyewo, iwe haungatengi kudhura mari yemainishuwarenzi inobata kurasikirwa kwemakumbo kana kurasika kwemari.
- Medicare Chikamu B (kubhadhara hutano hwehutano) uye Medicare Chikamu D (rubatsiro rwekuzvidira rwemishonga inishuwarenzi) inodonhedzwa, asi kwete Medicare Part A (inshuwarisi yepahupatara.)
- Zvimwe zvikwereti zvemishonga yemishonga yehutano yehutano inotora nguva yakareba.
- Kana iwe uri wekushanda iwe unogona kunge uchikwanisa kubhadharwa nehutano hwehutano hwehutano sebhasiro rebhizimisi. Panzvimbo pekuderedzwa kwetemikisi yemarikiti inobhadharwa, izvi zvinenge zviri kugadziriswa kune mari. Ona Publication 535. Kana iwe usingarevi kubhadhara kwebhizimisi rehutano hwehutano hwako hwose, iwe unogona kusanganisira mari yakasara semari yezvokurapa pamabhadharo ako pachako.
Mishonga yeVatapi Vezvokuchengetedza Utano, Kubatanidza Nyanzvi
Kubhadhara kune vanachiremba nevamwe vanachiremba vasina kuvharwa kana kubhadharwa nehushuwarisi vanobviswa. Co-iyo inobhadhara iwe unobhadhara kunze kwehomwe inotorwa zvakare.
Inpatient Medical Care
Inpatient kuchipatara mune chipatara, nzvimbo yekuvandudza, kana kuti imba yekuyamwisa inotsvaga chero bedzi iyo isingabhadharwi neinishuwarenzi yako, kana nhoroondo yezvokuchengetedza yehutano (HSA) kana kuti inoshandiswa yekuchengetedza account (FSA) . Zvokudya uye pokugara zvechirwere (asi kwete kunze) kuchengetwa kunodhakwa.
Cancer Treatments
Chikamu chekurapwa kwekenza (zvakadai sokuvhiya, remishonga inonzi radiation, chemotherapy, inorapwa, uye immunotherapy ) isingafukidzwi neinishuwarenzi, inogona kunzi sekubviswa kwechiremba.
Prescription Medication
Chikamu chemishonga inorayirirwa isina kuvharwa neshuwarisi. uye kubhadharwa pamishonga yakavharidzirwa inodzingwa.
Wigs
Wigs inodzingwa kana yakatengwa nemishonga inokonzerwa nekemotherapy-induced induced .
Kuvandudza Kubudirira
Deductible mari inosanganisira kuvhidzirazve kuyananisa kwehutano hunoenderana nechirwere, njodzi, kana kuparadza zvirwere, somuenzaniso, kugadziriswa kwepamu kutevera mastectomy. Kuvhiya kwakabatana nekuzvarwa kusina kunaka kunowedzerwawo. Kuvhiya kwezvikonzero zvekunakisa, zvakadai se liposuction, hazvibvumi.
Mental Health Treatments
Kushanyira nevarapi vehutano vakadai sepfungwa dzepfungwa neyepfungwa dzepfungwa vanobhadhara mari.
Mishonga
Mishonga yakadai soutachiona rwepanyama kana chirwere chebasa, kana dzisina kufukidzwa nenishuwarenzi, dzinodzingwa
Chiono nekuNzwa
Mukuwedzera kumagadziro ane ophthalmologist kana optometrist (chikamu chisina kuvharwa nehushuwarisi), mari inoshandiswa inoshandiswa inosanganisira magirazi emaziso, majekiti ekubatanidza, uye sarudzo yekuchenesa lens. Kuvhiyiwa kwemaziso (LASIK) inodhura zvinodhura, sevari kunzwa rubatsiro.
Dental
Kuchengetedza mazino akadai sekuchenesa mazino, kushandiswa kwezvinyorwa zvemazino, uye zvirwere zve fluoride zvakaputirwa. Kurapa kwezvirwere zvemazino zvakadai sekuzadza mazino zvakaputirwa, sezvinoitwa maitiro akadai sekuwedzera, x-rays, uye mishonga kana orthodontic dzakadai semakumbo, mazino enhema ( mazinyo ) anodonhedzwa, asi mazamu ezvokuzora zvakadai semeno ekuchenesa haabvumi.
Alternative Therapies
Kubhadhara kune dzimwe nzira dzezvehutano, pazvinoshandiswa sechirevo chechirwere chekenza yehutano, inovharwa. Mienzaniso inosanganisira:
- Chiropractic care
- Vanachiremba vechiKristu
- Kurapa kwekenza mishonga (mamwe marapirwo akabatanidzwa pamwe chete nemararamiro evanhu) kusanganisira acupuncture , uye kurapa kurapa .
- Zvimwe zvibatanidza (vasiri vemazviremba vezvechiremba) vakadai sekukisangisa masayendisiti, naturopaths, uye vanachiremba.
Dzimwe Nutritional Supplements
Muzhinji, kuwedzerwa kwezvokudya zvinodhaka hazvibhadharwi mutero, kunyange kana zvichikurudzirwa nemupivhiri wako. A supplement inogona kuderedzwa kana inokurudzirwa nachiremba mune chimwe chiitiko chekurapa. Somuenzaniso, vitamini D inowedzera iyo inokurudzirwa nachiremba pamusana pekushaiwa kwevhitamini D mune chirwere chekenza kunogona kubviswa. Chimwe chiitiko chaizova kushandiswa kwekurema-kukurudzira kubatsirirwa kwakagadzirirwa kuraramisa kachexia yemukenza (chirwere chakakomba chakaonekwa sechinokonzerwa ne20 muzana chekufa kwekenza muUnited States).
Kufamba Nezvikonzero Zvokurapa
Chero bedzi chikonzero chikuru chekufambisa ndezvekurapa - kwete nekuda kwekunakidzwa, uye kwete kwekuzorodza kana hutano huripo, kunyange kana hukurudzirwa nachiremba-kufamba kunogona kubviswa. Mariro inogona kuderedzwa inosanganisira:
- Kutakura kune uye kubva kuchipatara, kusanganisira kuenda kune zvipatara uye makiriniki, mapepa, uye kugadzirirwa kurapwa. Nhamba yakaenzana yemakiromita yekutengesa motokari yemitero yegore ra2014 inosvika 24,5 masentimita pamiraira. Zvimwe zvinobviswa zvinokonzerwa nemari yekupaka, uye kurasikirwa (asi kwete kugadziriswa, kugadzirisa motokari, motokari yemotokari, kana kuderedza). Kutengesa taxi, bhazi dzebhazi, chitima, mari, uye airfare zvinodhura mari.
- Imidziyo yakakosha yakagadzirwa mumotokari nemhando yakagadzirirwa kuti igone mumwe munhu ane hurema, zvakadai sekugadzirisa maoko. Iwe unogonawo kusanganisira mari yekuti uwane motokari yakanyatsogadzirirwa kuti igare nechacheya.
- Kuzvigadzirira iwe uye mutarisiri. Zvose zvinogona kuderedzwa zuva nezuva i $ 50 pamunhu.
- Zvokudya hazvingaderedzwi kunze kwevaya vari muchipatara chisati chiripo.
Endai kune Mhemberero dzakabatana neMedhi
Kupinda mari uye kuenda kumisangano nemakambani anowirirana nemamiriro ako ezvinhu asingagumi kana ewawakaroorana naye kana vanovimba navo ndiwo anodhura mari iyo mari "inonyanya kukosha uye inokosha kuti iwane rubatsiro rwekurapa." Iwe haugoni kuderedza kudya kana kugara. Muenzaniso unenge uri kuenda kumusangano wekurarama zuva nezuva nemigumisiro yekenza kurapwa.
Supplementary Treatments / Programs / Counseling
- Kusvuta kupedza mapurogiramu akafukidzirwa (asi kwete nicotine kushandiswa zvakadai seanicotine patches kana nicotine gum). Chirongwa chemishonga chinoshandiswa pakutsvaga nicotine kubvisa zviratidzo (zvakadai seChantix) zvakafukidzirwa.
- Kurasikirwa kwepurogiramu zvirongwa kana zvakatemerwa kune chimwe chimiro, chakadai sekuwedzeredza. Zvokudya zvakakurudzirwa nezvirongwa izvi hazvibvumi.
- Inpatient mishonga yekudhakwa uye zvinodhaka zvinodhaka.
Zvinodhura zvakabatana neVashandi Mhuka
Kazhinji, zvigadzirwa zvemhuka hazvibvumi. Zvimwe chete ndezvokuti zvinoramba zvichiripo zvezvipfuwo zvebasa, zvakadai sekuona-imbwa dziso (mbwa dzinotungamirira kune mapofu) uye imbwa dzakagumburwa. Munguva ichangopfuura, mari ye "utano hwepfungwa" mhuka dzave dzichibva dzave dzakatorwa. Sezvo kuora mwoyo, kuzvidya mwoyo, uye kunyange kupedzisira kushungurudzika mupfungwa kunowanikwa kune vanhu vane kenza, uye kubvira apo chirapa chemhuka chinoratidzika kuva chakanaka kune vanhu vane kenza zvakare, izvi zvingava chimwe chinhu chokukurukurirana neoncologist yako.
Rubatsiro rweMunhu oga
Zvigadzirwa zvinoshandiswa zvekurapa zvakadai sevatambi, zvigaro zvine basa rinosimudza basa, kubata mabhagi, oxygen uye oksijeni midziyo, CPAP, makumbo evhuruti, makanda, uye maitiro ekugadzirira anotsvaga.
Kugadzirisa Kudzidza Vana Vane Urema
Somuenzaniso, kugadzirisa kuverenga kwevana vane dyslexic.
Mukati-kumba Kuchengeta Kuchengeta
Kuchengetwa kwekumba kumusha ndiyo mari inoshandiswa, asi chikamu ichocho chine chokuita nekurapa chete (somuenzaniso, nguva inopedzerwa imba-kuchenesa nemubatsiro wehutano hwemusha haisi kubviswa.)
Kuvandudza Kwemhuri Kunotarisa Utano Hwako (Mari Imari)
Kuvandudza kwekumba uye zvinhu zvakakosha zvinogona kuderedzwa semari yezvemishonga kana chinangwa chacho chiri chezvikonzero zvekurapa iwe, mudzimai wako, kana vanhu vako vanovimba navo. Iyi kuderedzwa inoderedzwa nekukwira kupi zvako kwekukosha kuti kuvandudzwa kunobatsira paimba yako. Mienzaniso inosanganisira:
- Kuvakwa kwekupinda mumharaunda (s) yeimba yako.
- Kuwedzera kunze nekunze kwemukova uye kumigwagwa.
- Kuisa zvinyorwa zvese uye kutsigira / kubata mabhairi, nekugadzirisa hardware pamasuo.
- Kurera kana kukonzera makabati kana mabhuku kuti avepo.
- Inosimudza yakadai seyekufamba masitepisi.
- Kuchengeta ivhu rekunze kweimba yekugoneka.
- Kugadzirisa nyevero zvirongwa zvakadai semoto inopisa moto uye utsi.
- Kugadzirisa zvigadzirwa zvemagetsi nezvivako.
- Kubviswa kwepepe inotungamira iyo inenge isina kugadziriswa kana kuti kana mwana asvika.
- Dziva kana spa kana yakagadzirirwa kupa mishonga (kuderedza chero kukosha kwayo inowedzera kumba kwako.)
Chii Chisiri Deductible?
- Inishuwarenzi inobhadharwa nemushandi wako. Iwe haungatore mari yako kune waunoshandira-inotsigirwa nehutano inshuwalhu kunze kwekuti miriyamu iyi inowanikwa mubhokisi 1 pane W2 yako fomu.
- Iwe haugoni kubvisa mari inowanikwa nekodha rako rekuchengetedza kwehutano kana shanduro yekushandura yakashandiswa (sezvo izvi zvinotorwa pamusana pekutengesa.)
- Pamusoro pemishonga yemishonga (mishonga iwe unogona kutenga pasina mushonga) kunyange kana yakakurudzirwa nemupiki wezvokurapa (somuenzaniso, aspirin kune vanhu vane chirwere chepfungwa.)
- Kufamba uku ndiko kwehutano huri nani huri nani, kunyange hunosimbiswa nachiremba.
- Kuvigwa kana kuviga mari.
- Zvigadzirisheni zvakadai seinoti mazino kana zvipfeko.
- Zvirongwa zvekuvandudzika kwehutano hwako.
- Kuvhiyiwa kunonyanya kunakisa, apo chinangwa chekugadzirisa ndechekuvandudza maitiro uye "hazvikurudziri zvakakodzera basa rakanaka remuviri kana kudzivirira kana kurapa chirwere." Semuenzaniso, liposuction, chiso chinomuka, meno kuchenesa, bvudzi rinoputika, uye kubviswa kwebvudzi (electrolysis) hazvizogadziriswa. Kana kuvhiyiwa kuchidikanwa semugumisiro wegadziriro kana chirwere (somuenzaniso, kuvakazve mazamu) kana nekuda kwekuparara kwekuzvarwa, mari yaizotora mutero inobviswa.
- Nicotine inoshandiswa pakugadzirisa kurapwa, yakadai seanicotine patches uye nicotine gum.
- Nutritional inowedzera kunze kwekunyatsorayirwa nachiremba wako kune chimwe chiitiko chekurapa.
- Zvokudya zvekudya.
- Health club club.
Mafomu Aunoda Kuisa / Kubatsira
Kuti uwane kubviswa kwechiremba, iwe uchada kuisa Purogiramu A (fomu 1040), kwete 1040 EZ kana 1040 chete.
Iwe unogona kutora mafomu uye mabhuku kana kuronga ikozvino kana mafomu asati apfuura uye mirayiridzo nekudana 1-800-TAX-FORM (1-800-829-3676). Pamibvunzo, tarisa mashoko aripo pa IRS.gov kana kudana 1-800-829-1040.
Iwe Unoda Mutevedzeri Wenyaya?
Haasi munhu wose achada mabasa eAcentant kuti awane kudhakwa kwechiremba, asi ramba uchifunga izvi: zvinogona kuva penny-akachenjera uye idhora-upenzi kuti usaita kudaro.
Nyaya Mazano Pamusoro Pokugadzirisa Zvokurapa Kwemari Yako
- Tanga kuchengeta faira uye bhuku rezvenhau pazuva raunoonekwa, kana kuti nokukurumidza zvichibvira.
- Chengetedza mapeji ose.
- Zvakakodzera, nyora pasi zvose zvinotenga uye mabhiriro aripo panguva yaunoita kubhadhara.
Pakupedzisira, tarisa muenzaniso wekuti chiitiko chei (kunyange zvazvo mhuri inofungidzira) yakakwanisa kuderedza mitero yavo kuburikidza nekutemesa kubhadhara kwechiremba. Ramba uchiyeuka kuti iko kusanganisa kwete chete mari yako yekurapa nekenza, asi mari yekurapa inowanikwa nemumwe wako uye chero vana vanovimba navo.
Muenzaniso wekuti Kubviswa Kwingabatsira Sei Mhuri Nekenza
Iko 10 muzana yakagurwa-inogona kuoneka yakakwirira, asi kukurumidza kufungidzira (kunyange zvakadaro zvakanyanya) muenzaniso kunogona kubatsira kujekesa izvi. Funga nezvemhuri yevashanu nemumwe mubereki ane mutapu wemapapu, vana vatatu vakavimbika, pamwe chete vakachinjwa mari yakawanda ye $ 55,000 pagore, uye yehutano yehutano inshuwariti (baba inofanirwa neve freelancer uye haina mushandi wehutano inshuwarisi) ine $ 5,000 deductible.
- Zvikwereti zvisingabhadharwi zvemishonga yemishuwarenzi yehutano ye $ 761.00 mwedzi wega we $ 9132.00.
- Amai vari kunze kwehomwe mari yekenza yemapapu inosanganisira $ 3500.00 yekusati yafukidzwa, kusabhadharwa kwekliniki yekushanyira, zvipatara zvinokonzerwa, uye oxygen. Kuenda kunzvimbo dzekurapa makiromita makumi matatu kubva kumusha kukemikrasira, kurapwa kwemaawa, kuvhiyiwa, uye kukiriniki kunosvika kusvika pamakiromita 2750 (kudzorerwa pamasendi 24.5 nemaira imwe ye $ 673.75.) Amai vakapinda purogiramu yekurega kusvuta (kwete kubhadharwa kwebhadharo ye $ 200.)
- Baba vane chirwere cheshuga. Kunze kwehomwe yezvokubhadhara kunosanganisira kufamba (kwete kuwedzerwa pano) uye kubhadhara mari yekubvumirana yemusangano inorayirwa nachiremba wake kubatsira kubata chirwere cheshuga. Mutengo wemusangano waiva $ 550 nokuda kwevamwe vaviri, vane mari yekufambisa ye $ 220 kubva pamotokari yemotokari. Baba vanewo chirongwa chekugadzirisa maziso chakauya ku $ 3500.
- Mumwe mwana anotambudzika nechirwere chekudzidza (dyslexia) chinoda kugadzirisa kuverenga kwemaari $ 1200.
- Vaviri vevana ikozvino vari mucheroti. Mushure mokunge $ 1 000 pamwana akavharwa ne inshuwarisi yezinyore, vakabhadhara necheke mugore rose mari inosvika $ 7000 yebrasiti.
- Izvo zvisina kuvharwa mazino ekuchenesa uye mazinyo maitiro akauya ku $ 1030 nokuda kwe 5.
- Mumwe mwana ane lenzi dzemagetsi akauya kune $ 360 zvegore. Kubatanidza sarudzo yaiva imwe $ 60.
Muchiitiko ichi, mishonga yezvemari yemhuri yemari yaisati yafukidzwa nehushuwarisi kana chirongwa chekuchengetedza hutano chakasvika madhora 27,425.75. Kubva pane mari yemhuri yegore negore ye $ 55,000 uye kushandisa 10 muzana kutemwa-kubviswa, mari yepamusoro-uye-pamusoro pe $ 5 500 yaizobviswa. Kubvisa 10 kubva muzana kutemwa, iyo yakasara $ 21,925.75 inokodzera sekuregererwa kwechiremba. Kana kenza yako yekenza yakunyorera iwe urongwa hwekugadzirisa imbwa yekushungurudzika kunokonzerwa nekenza (shure kwepfungwa kunowanzoonekwa kuvanhu vane kenza) unogona kutowedzera mbwa yekudya uye vet bill kuri iyi nhamba.
Kunyange zvazvo muenzaniso uyu ungaratidzika wakaipa, yeuka mupfungwa kuti 1 muvatatu vanorwara nekenza vanoshandisa mari inodarika $ 18,000 mune zvekunze-re-muhomwe mari yegore rega uye inofungidzirwa kuti mari yekurapa inokonzera 60 muzana yekushungurudzika kwevanhu muUnited States.
Pasi Pasi
Chimwe chinhu chakanaka chokuchengeta mupfungwa ndechekuti kutemesa mari yekurapa haisi iyo nzira yeku "kubuda-kunze" yekubhadhara mitero, asi pane kuva nemukana wekurega kubhadhara mitero pamari yehutano yakafanana yausingazoiti kana iwe uri zana % vane hutano hwakanaka. Mushure mezvose, iwe unotambura kutambura mumuviri uye mupfungwa kufungidzira-kukanganisa kwechirwere chinoparadza chekenza. Uye kunyange nekubviswa, kusanganiswa kwekuwedzera mari uye kuderedza simba rekushanda nekenza kunogona kuva nengozi yemari.
Zvitsva Zvitsva
Mushure mokunge mafunga nezvekuregererwa kwekuregererwa kwechiremba, unganetseka kuti unogona kuderedza sei mari yako mune ramangwana. Funga nezvemashoko anotevera:
- Kuenderera mberi, funga bunching zvirongwa zvehutano mukati megore rekare (mukati mekufunga.) Somuenzaniso, kana iwe une chirwere chekenza, unogona kufunga nezvekugadzirisa iyo hip replacement iwe wakamirira, pamwe chete nekodonoscopy yako yakawanda panguva imwe chete gore kuitira kuti vasvike 10 muzana vakavharwa.
- Tarisa kune imwe nzira yekugadzirisa mitero, yakadai sekushandiswa kwemari mari (FSA's).
Zvinobatsira zvikuru uyewo kutsvaka rubatsiro kana uri kutambura. Kereke yako yekliniki mushandi wepabonde angave ane mazano, kusanganisira ruzivo rwezvirongwa zvekubatsira varwere kwemishonga. Makambani mazhinji emishonga ezvinodhaka ane mapurogiramu epurogiramu anobatsira pamwe chete. Misangano yerudzi rwako rwekenza inogona kuva nezvinhu, uye vanhu vamunogona kutaura pamusoro pezvingasarudzwa. Kana iwe uine hanya nebasa, sangano risingaiti purogiramu Cancer uye Careers rine ruzivo rwemashoko pamusoro pekodzero dzako kumabasa uye nezvimwe. Pakupedzisira, kubatanidzwa mumusana wekenza yemuInternet kunogona kuve yakakosha, sezvo zvichigona kupa iwe mukana wokutaura nevamwe vakatarisana nematambudziko akadai munguva yorwendo rwavo.
> Sources:
> America Cancer Society. Kunzwisisa Utano Inishuwarenzi. http://www.cancer.org/treatment/findingandpayingfortreatment/understandinghealthinsurance/index
> Dhipatimendi reNhealth Inward Revenue Service. Zvinyorwa 502 Zvokurapa uye Mazino Emari ekushandisa mukugadzirira 2017 Kudzoka. https://www.irs.gov/pub/irs-pdf/p502.pdf
> Internal Revenue Service. Nyaya 502 - Zvokurapa uye Mazino Emari. Updated 01/31/18. https://www.irs.gov/taxtopics/tc502.html