Kana zvipatara zvako zvekurapa zviri kuvhara munguva yenguva yekurapa kwekenza , unogona kukwanisa kubhadhara zvimwe zvekunze kwemari yako pamitero yegore rinotevera. Iwe unogona kushamisika pane izvo zvinokodzera sechirwere chekurapa chinogona kutorwa semutengo wokubvisa-wigs, psychotherapy, nekufambisa, kungoti zita. Ngatitarisei pane zvaunofanira kuziva musati wanyora.
Kurapa Kwemitero
Hurumende yehurumende inoisa zvishoma pamari yezvokurapa inofanira kuwedzerwa mugore rakapiwa kuti uzvibvise pamitero yako. Dzinofanira kudarika 10 kubva muzana yemari yako yakagadziriswa (AGI). (Tarisai gore rapera mutero wekutarisa kana iwe usingazivi nhamba iyi.) Somuenzaniso, kana AGI yako iri $ 40,000, mari yako inofanirwa kunge inenge iri madhora 4 000 kana kupfuura kuti uve chero ipi zvayo pamitero yako.
Kune vakawanda vanobhadhara, icho chikumbaridzo chinoisa kuti kubviswa kwechiremba kurege kusvika. Kune varwere vepachifu chepachifu, izvo zvinoda kuwanda zvingangosangana kana kudarika. Mari inoshandiswa nekurapa kenza yemazamu inowirirana zvikuru zvichienderana nemamiriro ako, kurapa kwako, uye inshuwarisi yako.
Chimwe chidzidzo chakawana kuti chiyero chemari yegore rokutanga rekurapa kenza yemazamu yakabva kubva pa $ 16,226 kusvika ku $ 39,305. Zvisinei, chimwe chidzidzo chakawana chiyero chekushandisa kwekutarisira kwevakadzi vane chirwere chemasastatic breast vaiva $ 128,500.
Kana iwe kazhinji uchitora mitero yako asi isingashandisi kuita zvakaoma kuita itemizing process, iyi inogona kunge iri gore yekubhadhara mutori wenhoroondo uyo anogona kuigadzirisa zvose iwe. Vanhu vazhinji vanoona kuti vanochengetedza mari yakawanda kudarika iyo vanopedza kuzobhadhara mumiririri wepamusoro. Kana iwe uchida kufambira mberi iwe pachako, hezvino zvakakosha:
- Iwe unogona kubhadhara mari yawakabhadhara iwe, mudzimai wako, mwana akachengeteka, kana mumwe munhu akazvimiririra uyo ane utano hwehutano hwakatsigirwa nemari. Mune mamwe mazwi, "10 muzana" yaunosvika inogona kusanganisira kwete chete mari yako yakabhadharwa yezvechiremba asi yeawakaroorana naye nevana. Paunowedzera mumagira emaziso uye mabhesi, nhamba iyoyo inogona kusimuka nokukurumidza.
- Iwe haugoni kutora chero chinhu chakanga chabhadharwa kuburikidza nemashandisirwe ekushandisa mari (FSA).
- Unofanirwa kuchengeta marekodhi akanaka (maresi, mabhuku ebhangi, nezvimwewo) iyo nhoroondo yezvose zvinokodzera mari (yakatsanangurwa zvakajeka sezvinotevera).
- Iwe unofanirwa kuisa Purogiramu A, Fomu 1040. Yakadzika 1040 yoga kana 1040 EZ haigoni kushandiswa kubvisa mari idzi.
Chii chakakonzerwa?
I IRS ine dudziro yakazara yezvinhu zvinokodzera sechikwereti chakakodzera chekurapa. Zvinopfuura kungobhadhara pamwe chete nemitemo, zvinogona kusanganisira chete chero mari ipi zvayo inoshandiswa sechikonzero chaicho chekurapa kana mazino. Tsanangudzo yakazara inowanikwa muno.
Kune murwere wekenza yepazamu, mienzaniso inosanganisira:
- Kutakura kuenda uye kubva pakuchirwa pamwe chete nekugara kana kugara kweusiku kwaidiwa (zvimwe zvipingamupinyi zvakadai semari inogona kuderedzwa inoshandiswa).
- Wigs akatengwa mushure mekushayiwa bvudzi nekuda kwekurwara kana kurapwa.
- Chibereko chekuvakazve mushure mushure mekuita mastectomy.
- Mishongedzo yakagadzirwa purogiramu yekurega kusvuta , asi kwete kune-over-therape treatments dzakadai se nicotine gum kana mapepa.
- Kuvandudza kwekumba kunowedzera kuwanika, zvakadai sokuderedza makateti ekicheni kana kuisa masikati machecheche anochera kudiwa kwekukwirira kusvika.
- Kurapa kwepanyama kana kuti mushonga wezvinodhaka-zvakadai seTamoxifen kana Herceptin inorayirwa panguva kana mushure mekurapwa kwekenza yemazamu-kana chipi zvacho chinonzi inshuwarisi yako.
Dzidza zvakanyatsonyatsonyatsojekesa kuti kanaya mari inotengesa-mutengo , uyewo mararamiro aunoda kutaurira kubviswa uku.
Chii Chisingabviswi?
Zviri nyore kutora kutakura uye kutanga kutora mapeti ezvinhu zvishoma. Asi usasanganise zvinhu zvisingabatanidzi zvakananga kune zvekurapa zvakakosha kana mazino. Mienzaniso inosanganisira:
- Muchengetedzo yakakwana, yakadai sekubvisa mvere kana mazino ekudzikisa.
- Nutritional supplement, kunze kwekunyatsotsanangurwa sechikamu chemamiriro ako.
- Inishuwarenzi yemishandirapamwe kana zvipo zvekushandisa mari yakawanda yekushandisa.
Tracking
Sarudza nhengo yemhuri yakakwanisa kuva nhoroondo yako yekuchengeta kana iwe usingakwanise kuzviita. Uyu munhu anofanira kuchengeta faira ine zvinyorwa zvese-rekiti, chekuregwa chekeri, nezvimwe-izvo iwe uchafanira kuita kuti iwe utaure. Zvinogona kubatsira kuisa chimwe nechimwe chezvinhu izvi pane chati sezvavanopinda kuti vasashambira mumvura yemapepa ekupera kwegore.
Pasi Pasi Pamusoro Pemitoro Inobviswa neBrazil Cancer
Nekambani dzakawanda dzehushuwarisi ikozvino inoda kuti vanhu vabhadhara chikamu chezvokurapa, vanhu vakawanda vari nyore kusangana ne10 muzana yekucheka-izvo zvinoita kuti itemizing zvido zvekurapa zvibatsire. Kana iwe une mudzimai uye vana, zvinoshamisa kuti nhamba iyoyo inokurumidza kukurumidza sei, kunyanya apo iwe unonyatsotarisa zvinhu zvose zvinoshandiswa kubva pakusangana lens solution, kutarisira meno, kutakura mari kune uye kubva kumakiriniki uye zvipatara.
Kuti uwedzere mitero yako yekutora zvakakosha kuchengeta zvinyorwa zvakanaka. Vanhu vazhinji vanozviona zvichibatsira kubhadhara mari mubookbook kana pafisi yakanakisa mumakombiyuta avo sezvavari kuitika, panzvimbo yekuedza kuunganidza zvose zvinyorwa izvi kubva muhomwe yebhokisi risati rapera mazuva ekuteresa. Kushandisa auntian inowanzobhadhara paunosarudza kubvisa mari yekurapa.
> Sources:
> Internal Revenue Service. Nyaya 502 - Zvokurapa uye Mazino Emari. https://www.irs.gov/taxtopics/tc502
> Vera-Llonch, M., Weycker, D., Glass, A. et al. Nheyo dzehutano hwevakadzi muna Metastatic Breast Cancer Kuwana Chemotherapy Sezvavanonyanya Kurapa Maitiro. BMC Kanzura . 2011. 11: 250.