Kudziwa Malamulo Kungakupulumutseni Ndalama
Kodi mwangolandira mphoto ya Social Security Disability Inshuwalansi (SSDI) ndi malipiro a ndalama? Pamene kuli mpumulo kuti mutha kupeza ubwino wanu, zimabweretsa funso la msonkho womwe mungakhale nawo. Ndalamayi siilipira msonkho, koma ngati mudzayenera kukhoma msonkho zimadalira ndalama zanu, zochepa, ndi zina zambiri. IRS imapereka pepala kuti mudziwe kuchuluka kwa zomwe mudzakongole.
Kugwiritsa ntchito phindu la SSDI ndikudikirira chiweruzo kungakhale njira yayitali, nthawi zina kutenga miyezi kapena zaka. Anthu ambiri amene amapatsidwa mwayi wa SSDI amalandira malipiro oyenera kubweza ngongole kwa miyezi pakati pa tsiku lawo loyamba laumphawi ndipo pamene potsirizira pake amapatsidwa mwayi. Zina mwa cheke chachikuluchi, komabe, zikhoza kubwerera kwa amalume Sam ngati misonkho. Misonkho ya msonkho siyimangidwe, kotero simukufuna kudabwa modabwitsa miyezi ingapo pansi pa msewu.
Gawo la Zopindulitsa Zanu za SSDI Zimaperekedwa Chaka chilichonse
Malingana ndi woweruza msonkho Paul Gada wa Allsup Disability Life Planning Center, malipiro omwe amapezeka pamwezi wa SSDI samadandaula kwambiri chifukwa, pafupifupi $ 1,165 pa mwezi (chaka cha 2015), anthu ambiri omwe amadalira pa iwo ndiwo okhawo omwe amachokera ndalama sizingatheke msonkho. Komabe, kupereka malipiro a ndalama zapadera monga ndalama za chaka chimodzi cha msonkho kungabweretse misonkho. Mungathe kumalipira zambiri kuposa momwe muyenera kulipira ngati simukupeza uphungu wabwino.
Mpaka 50 peresenti ya zokhudzana ndi kulemala kwa anthu otetezeka ku boma zimaperekedwa chaka chilichonse. "Ndalama zenizeni zimatsimikiziridwa ndi kuwonjezera theka la mphotho ya SSDI yokhomera msonkho ku zonse zomwe amapeza." Kubwereketsa msonkho kwa fodya kuyenera kutumizidwa ngati ndalama zowonjezera zowonjezera ndalama zina pa malamulo a IRS, "Gada akuti.
Kaya muli ndi ngongole chifukwa cha msonkho wa ndalama, zimadalira kuchuluka kwa ndalama zomwe mumalandira ndi ndalama zomwe mudali nazo panthawi ya msonkho.
Gwiritsani ntchito mauthenga a IRS 915 Mapepala Othandizira Kujambula Misonkho Yanu
Zingakhale zothandiza kupempha ndalama zonse za chaka cha msonkho kapena kugwiritsa ntchito mapepala a IRS kuti azifalitsa zaka za mbuyomu. Simungasinthe malonda anu a misonkho yapitayi, mudzapeza zomwe mukuzigwiritsa ntchito pogwiritsira ntchito pepala lolembedwa ndi msonkho wanu wamakono. Mudzabwezera ndalama zocheperapo monga momwe zatsimikiziridwa ndi tsamba.
Ngati munalandira malipiro a SSDI, mudzawona ndalama zomwe zikuphatikizidwa mu Box 3 ya Fomu SSA-1099 yochokera ku Social Security Administration. Mapepala opangidwa mu IRS Publication 915 angagwiritsidwe ntchito kudziwa gawo lokhopetsedwa la kubwezeretsedwa kwa SSDI.
Gada amanena kuti zingakhale zovuta kapena zosokoneza kuti tichite izi ndi manja. Zimayendetsedwa bwino ndi mapulogalamu okonzekera msonkho kapena kugwiritsa ntchito katswiri wamisonkho kukonzekera kubwerera kwanu.