Vashandi vakura vanofanira kupa zvinyorwa zvisingabhadharwi, asi izvi zvakatemwa sei?
Pasi pemagetsi anonyatsogadzirisa Care Act, vakuru vashandi (avo vane 50 kana kupfuura vanoshanda nguva yakazara yakaenzana) vanofanira kupa hutano hwehutano panguva yavo yakazara (30+ maawa vhiki) vashandi kana kutarisana nedambudziko rezvemari.
Pane ruzivo rwakakura mumashoko ehuwandu hunoshandiswa nevashandirwi, asi kuti uite maererano nemvumo yevashandi, ruzivo runofanira kupa huwandu hunokosha uye hunofungidzirwa kuti hunogona kubhadhara mushandi.
Chinhu chiduku chinongoreva kuti chirongwa ichi chinosvika mashoma makumi matanhatu kubva muzana emari yevashandi vemari yehurumende yehuwandu hwehuwandu hwevanhu, uye kupa "huwandu hwekuvhara" kwekuchengetwa kwevarwere uye zvechiremba mabasa (chinyorwa kuti kukosha kwekukosha hachisi chinhu chimwe chete sehuwandu hunokosha hunotarisirwa , asi hunoshandisa zvirongwa zvinopa huwandu hunokosha zvinosangana nezvinodiwa kuti zvishoma zvidikanwe kugoverwa).
Asi kukwanisa ihwo huwandu hunopfurikidza sezvo hunoenderana nehuwandu hwemari yomunhu. Vashandi uye IRS vanoziva sei kuti chirongwa chinogona kutenga mari kune vashandi?
Kugadziriswa Kusarudza: Vashandi Vanoshandisa Safe Harbor Calculations
I IRS inofunga nezvekushanda kwebashandi kusingakwanisi chero bedzi chikamu chebasa chemishandirapamu yega-yega kugoverwa hachidarika 9.56 kubva muzana yemari yevashandi vemhuri muna 2018 (ichi chikamu chakanyoreswa nehupfumi hwegore negore; yakatanga pa 9,5 muzana muna 2014, yakawedzera gore negore kuburikidza ne 2017, uye yakaderera zvishoma kusvika 2018).
Zvakakosha kunzwisisa chikamu che "oga" chikamu chetsanangudzo iyoyo. Mari inowedzera kuve nhengo dzemhuri kumurongwa wevashandi haisi kuongororwa kana kugona kuripo. Zvose zvinotarisirwa ndizvo izvo mushandi anofanira kubhadhara nokuda kwezvakavanzika zvake. Zvinosuruvarisa, nhengo dzemhuri hazvikwanisi kubhadhara mari yepamusoro pamushamba wega wega kana vane ruzivo rwekugoverana pasi pehurongwa hunobhadharwa nevanoshandira hunofungidzirwa kuti hunogona kubhadhara mushandi, pasinei nokuti zvinodhura sei kuwedzera mhuri kumushandi- sponsored plan.
Izvi zvinozivikanwa semhuri inobwinya .
Saka kukwanisa kugadzirisa kwakarurama zvakananga: kana kugoverwa kwaunoshandira kwaunoita kunokubhadhara iwe kupfuura 9,55 kubva muzana yemari yako yemhuri muna 2018, hazvifungidziki kuti zvinokwanisika. Muchiitiko ichocho, iwe unenge uine ruzivo rwekubhadhara mari yepayimusi mune shanduko kana iwe uchida kutenga imwe purogiramu yemakethe panzvimbo iyo, uye iwe waunoshandira ndiye aizoteerera pasi pemurairo wevashandi.
Asi mushandi wako anoziva sei mari yako yemhuri? Kana ukashanda nguva yakazara kune waunoshandira mukuru uye kugoverwa kwako kunoguma kusingagadziriki kana uchienzaniswa nemari yako yemhuri, wako waunoshandira ari pachikwereti chechirango, chinogona kuva chakakosha. Uye zvakadaro, vashandi havakwanisi kuwana ruzivo pamusoro pevashandi vemhuri yavo yose.
Kutarisana nechinetso ichi, IRS yakagadzira zvitatu "zvakachengetedzwa kwechikepe" izvo vashandi vanogona kushandisa. Chero bedzi muvakidzani anopa huwandu hunokosha hwekugoverana hunoonekwa sekukwanisa kushandiswa uchishandisa rimwe remigwagwa yakachengeteka, mushandirwi haazofaniri kunetseka pamusoro pezvingangoita chirango.
The Harbor Harbors
- W2 mubhadharo wakachengeteka . Kuti ishandise nzira iyi, mushandirwi anofanira kuve nechokwadi chokuti mushandi wehutano wehutano wehutano wehutano hunodhura gore rose haufaniri kudarika 9.56 kubva muzana yemuhomwe wevashandi veW2 muna 2018. Vanogona kuisa mishandirapamwe yevashandi yepayimari seyodhora yebhadharo panguva yekubhadhara kana chikamu chekuwana mari (iyo inogona kusiyana, kana mari yevashandi ichisiyana), asi kune zvigadziriswa pakugadzirisa mipiro mukati megore roga kukanganisa kuchinja mune mari. Saka iyi ndiyo nzira yakanakisisa kune vashandi vane mibare yakazara gore rose.
- Mubairo wekubhadhara chikepe chakachengeteka . Kuti ashandise nzira iyi, mushandirwi anotarisa mubayiro wenguva yevashandi sepakutanga kwegadziro gore (kana kuti mubhadharo wepasi wega wega wega anopiwa anowanikwa mukati memwedzi wakapiwa), anoowedzera ne 130, uye anoverenga 9.56 kubva muzana yehuwandu. Ichi chigumisiro chichava chiyero chakanaka icho mushandi anogona kutarisirwa kubhadhara kwehutano hwehutano hwemwedzi. [Maawa 130 anoverengeka anoshandiswa pasinei nemaawa akawanda mushandi anobata basa, sezvo ndicho chirevo chenguva shoma yebasa renguva yakazara.]
Munyaya yevashandi vanobhadhara, mubairo wekubhadhara goroti rakachengeteka inoda kuti mushandi ave nechokwadi chekuti mari yebhadharo yevashandi haina kudarika 9.56 kubva muzana yemushandi wemwedzi wemari.
- Hurumende yehurumende yenzvimbo yakachengeteka . Iyi nzira yakachengeteka yegungwa inoguma mune imwechete yakawanda inotarisirwa kupiwa mupiro wevashandi vose, sezvo inobva pauwandu hwehurombo huripo, kwete pane imwe neimwe yaanowana mari. Kuti ushandise nzira iyi, mushandirwi wako anofanira kungofanidza kuti mari yako yepamutengo haipfuuri 9.56 muzana ye federal poverty level.
Muna 2018, federal paurombo huwandu i $ 12,140 (kune munhu mumwe chete, ndizvo izvo izvi kuverenga zvinoshandisa). Saka kana mushandirwi wako achishandisa chikepe ichi chakachengeteka, mari yako yepayimari yakawanda yekutengeswa kwako muna 2018 haigone kudarika $ 1,161-kana $ 97 pamwedzi. Iyi nhandare yakachengeteka inowanzoita kuti purogiramu isingakwanisi kubhadharwa iyo vashandi vachazobhadhara kugoverwa kwavo, sezvo vashandi vakawanda venguva yakazara vanowana zvakawanda kupfuura federal paurombo.
IRS Inonyatsoziva Sei Iko Yakachengeteka Gwara Mushandi Wangu Anoshandisa?
Vashandi vako vanoisa mushumo pakutanga kwegore negore ne IRS (uye vanokutumira kopi), kurondedzera kugoverwa kwawakapiwa iwe mugore rakatangira. Iyi ndiyo Form 1095-C .
Pamuganhu we16 iyo iyo faira, wako waunoshandira achapinda kemo yekujekesa kuti nzira ipi yakachengeteka yegungwa (kana iripo) yakashandiswa. Nhamba idzi dzinotsanangurwa mumushandirisi mirayiridzo yeFomu 1095-C : Mutemo 2F zvinoreva kuti muhomwe W2 muhombe yakachengetedzwa wakashandiswa; Bhuku 2G rinoreva kuti federal paurombo hutachiona rakachengeteka rakashandiswa, uye 2H inoreva kuti mubhadharo wekubhadhara chikepe wakachengetedzwa wakashandiswa.
Kuwedzera Mhuri Inowanikwa Inenge Isingatauri muHave Harbor Methods
Kubvira paunenge uchishanda chete achikwanisa kuwana chikamu chako chemari yeimba yako, ndizvo zvose zvinotorwa munyaya iyo kana wako wekushandisa anoshandisa chikepe chekuchengetedza. Uye kana hurumende yeurombo uhu hwakachengeteka hutachiona hunoshandiswa, hunobva paurombo hwehutano hwemunhu mumwe chete. Kana wako wako ane mari yakawedzerwa, iyo haisi kuverengwa kana waunoshandira achivimbisa kuti zvikwereti zvako hazvipfuuri 9,55 kubva muzana yako.
Vashandi havakwanisi kushandisa ganda rakachengeteka kuverenga. Asi zvikwereti zvekukundikana kuita maererano nebasa revanoshandira zvakajeka, uye vashandi vari kupa kupa ruzivo kazhinji havadi kupedzisira vasati vapa kuparidzira kusingasviki nemitemo yekugona.
Zvose Izvi Zvinorevei Kune Vashandi?
Kana ukashanda nguva yakazara kune waunoshandira mukuru, iwe unogona kunge wakapiwa hutano yveshuwarisi iyo haina mari shoma pane yako pachako kugoverwa, sezvo vashandi vanowanzoda kuve nechokwadi kuti vari kutevedzera dare reAACA rehurumende. Asi zvikomborero zvinogona kunge zvakakura kana ukawedzera nhengo dzemhuri kuurongwa hwako, sezvo vashandi vasingatsvaki kuita mari inobhadhara iwe chete, kwete yemhuri yako.
> Sources:
> Cornell Law School, Legal Information Institute. 26 US Code 36B, chikwereti chekubhadharwa chekubhadhara pasi peurongwa hwehutano hwakakodzera. 36B (c) (2) (C) (i) (II).
> Dhipatimendi Rezvoutano uye Human Services, Hofisi yeMubatsiri Munyori weGadziriro nekuongorora. HHS Urombo Ufambiro hwe 2018. Musi waJanuary 13, 2018.
> Internal Revenue Service. Revenue Procedure 2017-36 .