Usuku Lentela luyeza: Izindleko zezempilo ongazikhipha
Inkampani Ungafuna izindleko ezithile zezokwelapha uma zeqa iphesenti elithile lemali yakho engenayo eshisiwe.Ngubani okufanele athathe ukukhishwa kwezindleko zezokwelapha? | Izindleko ezifanelekile nezingafanelekile | Ukukhishwa komshwalense wezempilo ozisebenzayo
Izindleko ezithile zezokwelapha zingakusiza ukuthi uthole imbuyiselo yentela. Uma usohlelweni lokuqoqa wonke amarisidi akho ozowabelana ne-accountant (noma usuku nensiza oyithandayo yokulungiselela intela), zenzele umusa bese ufaka yonke leyo mithi kadokotela, izibuko zamehlo, nezindleko zesibhedlela inqwaba. Kwabanye abakhokhi bentela, izindleko ezihlobene nokwelashwa nezokunakekelwa kwempilo zingadonswa enteleni.
Kunezibalo ezimbalwa wena (futhi, ngokufanele, i-accountant yakho) ozodinga ukuzenza ukuze ubone ukuthi uyafaneleka yini, kepha kungasizakala isikhathi sakho ukugcina amadola amaningi ephaketheni lakho nemfoloko ngaphezulu kukaMalume Sam.
Nakhu okudingeka ukwazi mayelana nokudonswa kwezindleko zezokwelapha ezinganciphisa imali yakho yentela.
Ukuthatha ukuncishiswa okujwayelekile kuqhathaniswa nokwenziwa kwento
Okokuqala nokuphambili, kwe-W2-earner ejwayelekile ( uma uzisebenza , weqa uye ezansi) empeleni ungadonsa izindleko zezokwelapha uma ufaka imbuyiselo enezinto, kunokuba uthathe ukuncishiswa okujwayelekile.
Umkhokhi wentela ngamunye unikezwa ukuncishiswa okujwayelekile okungama- $ 12,400 (kwabafaki abahlanganisiwe abashadile, leyo nombolo ingama- $ 24,800) onyakeni wentela ka-2020. Lokhu kusho ukuthi ukuncishiswa kwakho okufakwe entweni kudingeka kudlule u- $ 12,400 uma uyifayela elilodwa (noma u- $ 24,800 we-joint-filer) ukuze lenze umqondo wezezimali ukwenza into ethile.
Esivame ukukwenza ukuhlanganisa iminikelo yokupha, inzalo yemali mboleko, intela yezindlu, nezokwelapha, futhi uma lokho kungaphezu kwenombolo, siyayichaza, kuchaza UWanda Talley Schebel , CPA, PA, i-accountant yase-Orlando.
Uma ukubeka intela emunxeni kuyindlela engcono, kuzodingeka ususe isithiyo esisodwa ukuze ukhiphe izindleko zakho zokwelashwa: Kufanele zeqe u-7.5% wakho imali engenayo elungisiwe (I-AGI) yango-2020. I-AGI yakho yimali yakho yonke usususe izindleko ezithile, ezifana nenzalo yemalimboleko yabafundi neminikelo ku-akhawunti yakho yomhlalaphansi. Lokho kusho ukuthi uvunyelwe ukudonsa noma yiziphi izindleko zezokwelapha ezingakhokhelwa ngalelo nani. (Futhi lelo-7.5% lihlala linjalo uma ufaka ngokuhlanganyela noma unabantu obondlayo.) Isibonelo, umbhangqwana oshadile onemali eshisiwe eshisiwe engu- $ 89,000 uzodinga ukuba nezindleko zezokwelapha ezifanele ezingaphezu kuka- $ 6,675.
Uma lokho kuzwakala njengohlobo lwenombolo ephezulu, kulungile. Okwesisebenzi sentela esuselwa eLos Angeles UMilton rodriguez , I-CFP, i-EA, iningi lamakhasimende akhe abakwazi ukuthatha lokhu kuncishiswa bavame ukuba badala (ngakho-ke babe nezindleko eziningi zokwelashwa), benze izipho ezinkulu zokupha, babe nemali enkulu yokubambisa, noma babe nesigameko esikhulu sezokwelapha (njenge ukuhlinzwa).
Kodwa-ke, uma uhlangabezane nazo zonke lezi ziqu, ungadonsa ngokuzethemba lezozindleko zezokwelapha.
Yini efanelekayo njengezindleko zezokwelapha ezingadonswa?
Ngokuvamile, noma imiphi imishanguzo noma izindlela zokwelashwa ezingakhokhelwa ezibekwe ngudokotela kufanele idonswe intela, kusho uSchebel. Ukukhishwa kwezindleko zezokwelapha ngokuvamile kufaka:
- Amakhophi kanye nanoma yiziphi ezinye izinkokhelo ezingakhokhelwa ezenziwe kochwepheshe bezokwelapha (kufaka phakathi odokotela, odokotela bamazinyo, odokotela abahlinzayo, odokotela bezokwelapha, odokotela bengqondo, izazi zokusebenza kwengqondo, kanye nabasebenzi bezokwelapha abangajwayelekile)
- Izinkokhelo zomshuwalense wezempilo (Okusemqoka ukuthi azinakwenziwa ngama-pre-tax dollars. Ngakho-ke uma ama-premium akho ekhokhwa ngokudonswa kwabasebenzi enkampanini yinkampani yakho, kungenzeka ukuthi abafaneleki. Bhekisisa nochwepheshe wakho wentela ngokuncishiswa komshuwalense wezempilo ukuze uqinisekise.)
- Imithi kadokotela
- I-insulini
- Izimpahla ezithile zokwelashwa
- Izibuko zamehlo namalensi oxhumana nawo
- Izindleko zamazinyo (okungezona izimonyo)
- I-Orthodontia
- Ukuhlinzwa nezinqubo zokwelashwa
- Utshwala noma izinhlelo zokuhlumelelisa izidakamizwa
- I-Mileage (amasenti angama-20 ngemayela) noma izindleko zangempela zokuhamba ezifana netekisi, i-Uber, ibhasi, noma isitimela sokugibela ukuya kudokotela noma ekhemisi nanoma yiziphi izindleko zokupaka lapho
- Izindleko ezingakhokhelwa zemishini yokuvikela i-COVID-19 kufaka phakathi imaski, isibulala-magciwane, insipho yesandla, i-sanitizer yezandla, amagilavu alahlwayo, izithiyo (njenge-plexiglass), kanye nezihlanzisi zomoya. uma unguthisha
U-2020 bekungunyaka ongajwayelekile. Uma ukuqashwa kwakho, noma isimo sakho sezezimali, sishintshile ngesikhathi sobhadane lwe-COVID-19, ungasondela ekunqunyweni kuka-7.5% kunalokho owawunakho eminyakeni eyedlule. Xoxa nochwepheshe wakho wentela ukubona ukuthi ungazifuna yini lezi, nokunye ukuncishiselwa kokusebenzela ekhaya, ukuqala ibhizinisi elisha, noma ukulahlekelwa kokusebenza okuphelele uma ungumnikazi webhizinisi.
Yini engafaneleki njengezindleko zokwelashwa ezingadonswa?
Yize kuhlobene nempilo, lezi zindleko ngokuvamile azikwazi ukudonswa:
- Amavithamini, izithasiselo, kanye nezidakamizwa ezingaphezulu kwamanani ezifana neTylenol noma i-Advil ngaphandle kokuthi kunqunywe ngu- ezokwelapha udokotela njengokwelashwa okuthile ezokwelapha isimo esitholwe udokotela
- Amabhandeshi
- Amafutha nokugcoba
- Izinqubo zezimonyo, ezinjenge-veneers
- Ubulungu be-Gym noma i-spa
- Ukudla okungokwemvelo
Lokho kusho ukuthi kunezindawo eziningi ezimpunga. Isibonelo, i-massage ejwayelekile ngeke idonselwe intela, kepha uma udokotela wakho enikeze imiyalo yokwelapha yokwelashwa ukuze ilulame ekulimaleni emuva, ngokwesibonelo, izodonswa. Okufanayo kuya kubulungu bokuzivocavoca. Uma udokotela wakho ethi kubalulekile ukuthi wehlise isisindo sempilo yakho, ungakwazi ukudonsa ingxenye yezinkokhelo zakho zanyanga zonke.
Uma unombhalo ovela kudokotela wakho okhombisa ukuthi izindleko ziyisidingo sezokwelapha, kufanele ukwazi ukuyikhipha, vumelana bobabili uSchebel noRodriguez. Futhi, kulapho uzofuna ukusebenza nochwepheshe wentela ukukhomba ukuncishiswa okufanele kwentela. Uzophinda ufune ukugcina amarekhodi amahle ukuze ubhale phansi izindleko zakho zokwelashwa nemithi kadokotela ehlobene nodokotela. Gcina lawa marekhodi nekhophi yentela yakho uma kwenzeka uhlolwe futhi udinga ukulinganisa inani lokudonswa.
Ukudonswa komshwalense wezempilo ozisebenzayo
Uma ungeyena umholisi we-W2, okuningi kwalokhu okungenhla kuyasebenza, ngaphandle kwebhonasi eyodwa enkulu: Uzokwazi ukufaka izicelo zakho zonke izinkokhelo zakho zomshuwalense wezempilo uma ukhokhela umshwalense wakho (kanye / noma lokho kondlayo). Lokhu kuthathwa njengokulungiswa kwemali engenhla komugqa hhayi ukudonswa kwezokwelapha, okusho ukuthi kunciphisa inani lemali yakho engenayo ehlelekile (i-AGI). Ukudonswa ngaphezulu kwe-line akuvamile kakhulu ngoba ngokunciphisa i-AGI yakho, banciphisa inani lemali engenayo efakiwe ekubaleni kwentela.
Lokhu kungenzeka kungenzeki, noma kunjalo, uma uyibhizinisi elihlanganisiwe, kusho uSchebel. Njengoba ephinda, lapho engabaza,Njalo funa izeluleko zentela.
