Kodi Ndalama Zamankhwala Zotani Zimachotsedwa?
Khansara ndi matenda okwera mtengo. Pa nthawi yomweyo yomwe mukuyang'anizana ndi copays, deductibles, ndi kayendedwe ka kayendedwe ka mankhwala (poyamba), anthu ambiri sangathe kupitiriza kugwira ntchito, osagwira ntchito nthawi zonse. Kuphatikiza apo, okwatirana ndi okwatirana kawirikawiri amakhala osamalira banja, kuchepetsa ndalama kuchokera kumalo omwewo. Kufanana kwa ndalama zambiri ndikupanga zochepetsetsa kungakhale kofanana ndi nkhawa komanso ngakhale mantha, panthawi yomwe pali zokwanira zodandaula za kale.
Pali zinthu zingapo zimene mungachite, komabe, kuchepetsa mavuto a zachuma. Wogwira ntchito za khansa wanu akhoza kukhala ndi malingaliro othandizira ndalama kapena kuchepetsa ndalama, koma pali chinachake chimene mungachite mwamsanga chomwe chingathandize. Ngati muyamba kusunga ndondomeko yowonjezera ya ndalama zamalonda masiku ano, mungapeze kuti mwasunga ndalama zambiri kuti mubwere nthawi ya msonkho.
Kansa ndi Kuchotsa Misonkho kwa Ndalama Zamankhwala
Chinthu chovuta kwambiri padziko lonse kuti mumvetse ndi msonkho wa phindu. " Albert Einstein
Kuyambira pa 12/31/16, kuchotsedwa kwa zamankhwala kuyenera kupitirira 10 peresenti (pafupi ndi 7.5 peresenti isanafike nthawi imeneyo) ya ndalama zomwe munapeza. Anthu ambiri amakhumudwa kuyang'anitsitsa izi, ndipo samakhulupirira kuti zingatheke kuti ndalama zikhale zotere. Ambiri amadabwa pamene akuwonjezera pamodzi zonse (onani chitsanzo pansipa) ndipo apeze kuti akuyenera kupeza msonkho wapadera.
Musanayambe kuchotsa madokotala kuti asatengere ndalama, musapange nthawi kuti mudziwe za mtundu wa ndalama zomwe zimaperekedwa. Kodi muyenera kusunga malemba otani? Kodi ndi nthawi yolemba ganyu? Bwanji nanga za ndalama za inshuwalansi?
Tanthauzo la Ndalama Zamankhwala Zopereka Deductible
Ndalama zomwe mungazigwiritse ntchito zothandizira ndalama zimaphatikizapo malipiro a "matenda, matenda, kuchepa, mankhwala, kapewedwe ka matenda, kapena malipiro a mankhwala omwe amakhudza mtundu uliwonse kapena ntchito ya thupi."
Ndalama za Zamankhwala Zomwe Zimachotsedwa
Ndalama zamankhwala zomwe sizimalipidwa ndi inshuwaransi yanu ya zachipatala kapena ndondomeko yosungirako ndalama zingadetsedwe. Kumbukirani kuti izi zimayenera kulipidwa ndi ndalama, khadi la ngongole, kapena cheke, pa chaka chomwe mumapereka misonkho. Zowonjezera zomwe zingakhale zochotsedwa zikuphatikizapo:
Maphwando a inshuwalansi
- Ndalama zoyendetsera ndalama zothandizira inshuwalansi zaumoyo.
- Simungathe kuchotsa abambo omwe amapereka malipiro oyendetsera malipiro kapena mapepala oyendetsera ndalama. Komanso, simungatenge ndalama zothandizira inshuwalansi zomwe zimatayika kuwonongeka kwa miyendo kapena kutaya malipiro.
- Medicare Part B (supplemental inshuwalansi ya inshuwalansi) ndi Medicare Part D (mwaufulu inshuwalansi ya mankhwala ya inshuwalansi) imachotsedwa, koma osati Medicare Part A (inshuwalansi ya chipatala.)
- Ena omwe amapereka inshuwalansi yathanzi nthawi yayitali.
- Ngati muli wodzigwira ntchito, mukhoza kukhala oyenerera kukhala ndi inshuwalansi ya zaumoyo monga ndalama zamalonda. M'malo mwa kuchotsedwa kwapadera kwa ndalama zowonjezera, izi ndizo kusintha kwa ndalama. Onani Chidziwitso 535. Ngati simudzinenera kuti mumagula ntchito yothandizira inshuwalansi, mungagwiritse ntchito ndalama zomwe zatsala monga ndalama zomwe mumagwiritsa ntchito pazinthu zanu.
Malipiro kwa Opereka Thandizo la Zaumoyo, kuphatikizapo akatswiri
Malipiro kwa madokotala ndi madokotala ena omwe sali ophimbidwa kapena kubwezeredwa ndi inshuwalansi amachotsedwa. Co-amalipiritsa kuti mumalipiritsa ndalama zowonjezera.
Thandizo lachipatala
Thandizo lachipatala kuchipatala, kuchipatala, kapena kunyumba yosungirako anthu okalamba amachotsedwa malinga ngati salipidwa ndi inshuwalansi, kapena akaunti ya ndalama (HSA) kapena akaunti yosungirako ndalama (FSA) . Kudyetsa ndi malo ogona a chipatala (koma osati odwala) amatisamalira.
Kuchiza Khansa
Gawo la mankhwala opatsirana khansa (monga opaleshoni, mankhwala a radiation, chemotherapy, mankhwala ochiritsira, ndi immunotherapy ) osaphimbidwa ndi inshuwalansi, akhoza kudzinenera ngati kuchotsedwa kwa mankhwala.
Mankhwala Olemba
Gawo la mankhwala omwe silipangidwa ndi inshuwalansi. ndipo amalipiritsa ndalama zowonongeka ndizoperekedwa.
Wigs
Wigs ndi odulidwa ngati atagulidwa kuti awononge tsitsi lawo .
Opaleshoni Yokonzanso
Ndalama zomwe zimagwiritsidwa ntchito ndi mankhwala ophatikizapo amachititsa opaleshoni yokhayokha chifukwa cha matenda, ngozi, kapena matenda opatsirana, mwachitsanzo, kubwezeretsa mawere pambuyo pa vutoli. Opaleshoni yokhudzana ndi vuto lobadwa mwadzidzidzi imatulutsidwa. Opaleshoni chifukwa cha zodzoladzola, monga liposuction, sali odulidwa.
Matenda a Mitsempha
Kuthamanga ndi odwala matenda azachipatala monga achipatala ndi a psychologists ndi ndalama zokwanira.
Mankhwala
Mankhwala monga mankhwala opatsirana kapena mankhwala othandizira ntchito, ngati sakuphimbidwa ndi inshuwalansi, amachotsedwa
Masomphenya ndi Kumva
Kuphatikiza pa malo omwe ali ndi ophthalmologist kapena optometrist (gawo lomwe silikugwiritsidwa ndi inshuwalansi), ndalama zowonongeka zimaphatikizapo magalasi, magalasi othandizira, komanso njira yothetsa makalenseni. Kuchita opaleshoni ya maso (LASIK) ndi ndalama zodula, monga zothandizira kumva.
Mankhwala
Kusamalira mano kumathandiza monga kuyeretsa mano, kugwiritsa ntchito mankhwala osungira mano, ndi mankhwala a fluoride. Mankhwala a mazinyo monga mano amadzaza, monga njira zowonjezera, x-rays, ndi mankhwala otchedwa orthodontic monga braces, mano oponyera mano ( mano ) amawotchera, koma mapangidwe odzola ngati mano akuyeretsa sagwedezeka.
Njira Zochiritsira Zina
Kulipira kwa madokotala ena, pamene amagwiritsidwa ntchito monga kutsutsana ndi chithandizo cha khansa yachikhalidwe, akuphimbidwa. Zitsanzo zikuphatikizapo:
- Kusamalira tizilombo
- Akatswiri a sayansi
- Mankhwala othandizira khansa (njira zina zochiritsira pamodzi ndi chisamaliro cha chikhalidwe) kuphatikizapo mankhwala opatsirana , komanso mankhwala odzoza .
- Ophatikizira ena (omwe si achikhalidwe a zamankhwala) opereka mankhwala monga ochiritsa misala, naturopaths, ndi asayansi.
Zina Zowonjezera Chakudya
Kawirikawiri, zakudya zopatsa thanzi sizilipira msonkho, ngakhale zitaperekedwa ndi wothandizira zachipatala. Zowonjezerapo zingathe kubweretsedwa ngati zikuvomerezedwa ndi dokotala chifukwa cha matenda enaake. Mwachitsanzo, vitamini D yowonjezera yomwe akulimbikitsidwa ndi dokotala chifukwa cha kusowa kwa vitamini D mu wodwala matenda a kansa akhoza kuchotsedwa. Chitsanzo china chiyenera kukhala ntchito yowonjezera kulemera kwa kansalu (yokhala ndi vuto lalikulu lomwe limadziwika kuti limapangitsa 20 peresenti ya kufa kwa khansa ku United States).
Yendani Chifukwa Chachidokotala
Malingana ngati chifukwa chachikulu choyendera ndi chithandizo chachipatala - osati chisangalalo, osati chifukwa cha zosangalatsa kapena thanzi labwino, ngakhale ngati akulimbikitsidwa ndi dokotala - ulendo ukhoza kuchotsedwa. Ndalama zomwe zingatengedwe zikuphatikizapo:
- Kutumiza kupita kuchipatala komanso kuchokera kuchipatala, kuphatikizapo maulendo kupita kuchipatala ndi kuchipatala. Mtengo wamakilomita wokhala galimoto pa msonkho wa msonkho wa 2014 ndi 24.5 senti pa mailosi. Komanso ndalama zowonongeka ndizoperekera, komanso zoperekera, kukonzanso galimoto, inshuwalansi ya galimoto, kapena kuchepa.) Malonda a taxi, ma basi, sitima, ndalama, ndi ndege ndizo ndalama zowonongeka.
- Zipangizo zamakono zimayikidwa m'galimoto pogwiritsa ntchito mapangidwe apadera kuti azikhala ndi munthu wodwala, monga kulamulira m'manja. Mukhozanso kuphatikizapo ndalama kuti mukhale ndi galimoto yopangidwa ndi njinga ya olumala.
- Kuzisungira nokha ndi wosamalira. Chilichonse chomwe chingachotsedwe tsiku ndi $ 50 pa munthu aliyense.
- Zakudya sizingathetsedwe kupatula kwa iwo omwe ali m'chipatala chopanda matenda.
Pitani ku Misonkhano Yogwirizana ndi Amagulu
Ndalama zoyendetsera alendo komanso kupita kumisonkhano ndi misonkhano yokhudzana ndi zochitika zanu zaumwini kapena za mwamuna kapena mkazi wanu kapena odalira ndizo ndalama zowonongeka ngati ndalamazo "zimakhala zofunikira komanso zofunika pakufuna chithandizo chamankhwala." Simungathe kudya chakudya kapena malo ogona. Chitsanzo chikanakhala kupezeka pamsonkhano wokhala ndi moyo tsiku ndi tsiku ndi zotsatira za khansa.
Zowonjezera Zowonjezera / Mapulogalamu / Uphungu
- Mapulogalamu otseka fodya amaphimbidwa (koma osati chikonga m'malo ngati chikonga kapena chikonga chingamu). Mankhwala osokoneza bongo omwe amagwiritsidwa ntchito pofuna kuchepetsa zizindikiro za kuchotsa njoka (monga Chantix) zimaphimbidwa.
- Mapulogalamu othandizira kutaya thupi ngati atayikidwa pa chikhalidwe china, monga kunenepa kwambiri. Chakudya cholimbikitsidwa ndi mapulogalamuwa sichikuchotsedwa.
- Mankhwala opatsirana pogwiritsa ntchito mowa ndi mankhwala osokoneza bongo.
Ndalama Zogwirizana ndi Zinyama Zothandiza
Kawirikawiri, ndalama zogwiritsira ntchito ziweto sizingatheke. Chosiyana ndizofunika zowonjezera zinyama zothandizira, monga agalu owona-maso (agalu otsogolera akhungu) ndi agalu a khunyu. Posachedwapa, ndalama zogwiritsira ntchito "matenda a ubongo" zimakhalanso zochepa. Popeza kuvutika maganizo, nkhaŵa, komanso ngakhale kupsinjika maganizo kumakhala kofala kwa anthu omwe ali ndi khansa, ndipo popeza mankhwalawa akuwoneka othandiza kwa anthu omwe ali ndi khansa, izi zikhonza kukhala zokambirana ndi oncologist wanu.
Zida Zothandizira Munthu
Zipangizo zachipatala zosatha monga oyendayenda, mipando yokhala ndi zothandizira zowathandiza, kunyamula mipiringidzo, oxygen ndi zipangizo za oksijeni, CPAP, mipando ya olumala, makutu, ndi miyendo yopangira thupi.
Kuwongolera Kuphunzira kwa Ana Olemala
Mwachitsanzo, kukonzekera kuwerenga kwa mwana wovuta.
Kusamalira Achikulire kunyumba
Kunyamulira kunyumba kumakhala ndalama zokwanira, koma gawo lomwelo lokhudzana ndi chithandizo chachipatala chokha (mwachitsanzo, nthawi yomwe nyumba ikuyeretsedwera ndi chithandizo chamankhwala chapakhomo sichidulidwa.)
Kukonzekera kwa Pakhomo Kuyenera Kukhala ndi Moyo Wanu Wathanzi (Ndalama Zachimake)
Kukonzekera kwanu kunyumba ndi zipangizo zapadera zingathe kuchepetsedwa monga ndalama zogulira ngati cholinga chanu ndi chifukwa cha mankhwala, mwamuna kapena mkazi wanu, kapena anthu omwe mumadalira. Kuchokera uku kuchepetsedwa ndi kuwonjezeka kulikonse kwa mtengo umene kusintha kumapangitsa kuti katundu wanu akhalepo. Zitsanzo zikuphatikizapo:
- Kumanga khomo lamapangidwe ka nyumba yanu.
- Kukulitsa kunja ndi kumakomo ndi zipinda zamkati.
- Kuyika zowonjezera ndi zothandizira / kunyamula mipiringidzo, ndi kusinthira zipangizo pazitseko.
- Kukwezera kapena kuchepetsa makabati kapena makalata kuti zitheke.
- Amakwera ngati omwe amayenda masitepe.
- Kuyika pansi kwa kunja kwa nyumba kuti zitheke.
- Kusintha machitidwe ochenjeza monga ma alarm a moto ndi utsi wautsi.
- Kusintha magetsi ndi malo ogulitsa.
- Kuchotsa pepala lopangidwira lomwe silikukonzekera bwino kapena mwanayo atatha.
- Dambo kapena spa ngati adapangidwa kuti apereke chithandizo chamankhwala (kupatula phindu lililonse limaphatikizapo kunyumba kwanu.)
CHIANI CHOSACHITIKA?
- Inshuwalansi yomwe imalipidwa ndi abwana anu. Simungatenge zopereka zanu kwa inshuwalansi yothandizira inshuwalansi pokhapokha ndalamazi zikuphatikizidwa mu bokosi 1 pa mawonekedwe anu a W2.
- Simungathe kutaya ndalama zomwe munalemba pa akaunti yanu yosungirako ndalama kapena akaunti yanu yogwiritsira ntchito mosavuta (popeza izi zimachotsedwa pambuyo.)
- Mankhwala osokoneza bongo (mankhwala omwe mungagule popanda mankhwala) ngakhale ngati akulimbikitsidwa ndi wodwala mankhwala (monga aspirin kwa anthu omwe ali ndi matenda a mtima.)
- Ulendowu ndiwowonjezera thanzi labwino, ngakhale atalangizidwa ndi dokotala.
- Maliro kapena maliro a maliro.
- Zofunda zapakhomo monga mankhwala opangira mano kapena zodzoladzola.
- Ndondomeko zowonjezera thanzi lanu.
- Opaleshoni yokongola kwambiri, pamene cholinga cha ndondomekoyi ndi kukonzanso maonekedwe ndi "sikuthandiza mogwira mtima ntchito yabwino ya thupi kapena kuteteza kapena kuchiza matenda." Mwachitsanzo, liposuction, nkhope imakweza, mano opukuta, tsitsi lopaka tsitsi, ndi kuchotsa tsitsi (electrolysis) sizingatheke. Ngati opaleshoni imafunika chifukwa cha ngozi kapena matenda (mwachitsanzo, kumanganso mawere) kapena chifukwa cha kuwonongeka kwa msinkhu, mtengowo ukanakhala msonkho woperekedwa.
- Mankhwala othandizira kuti azisintha m'malo mwake, monga zizindikiro za chikonga ndi kasumini.
- Zakudya zimaphatikizapo kupatula ngati mwadongosolo mwadongosolo ndi dokotala wanu chifukwa cha matenda enaake.
- Zakudya Zakudya.
- Ubale wathanzi.
Mafomu Amene Muyenera Kuwalemba / Thandizo
Pofuna kudula madokotala, muyenera kulemba Pulogalamu A (fomu 1040), osati 1040 EZ kapena 1040 okha.
Mukhoza kukopera mafomu ndi zofalitsa kapena kuitanitsa mawonekedwe am'tsogolo kapena zaka zapakati pa chaka ndi malangizo poitana 1-800-TAX-FORM (1-800-829-3676). Kuti mupeze mafunso, onani zomwe zilipo pa IRS.gov kapena muitaneni 1-800-829-1040.
Kodi Mukusowa Werengankhani?
Sikuti aliyense adzafunikira thandizo la wogulitsa akaunti kuti adziwe kuchotsedwa kwa mankhwala, koma kumbukirani izi: zingakhale zanzeru ndi dollar-zopusa kuti asatero.
Malangizo Othandiza pa Kusamalira Zopereka Zanu Zamisonkho Zamankhwala
- Yambani kusunga foda ndi zolembera tsiku limene mumapezeka, kapena mwamsanga.
- Sungani mapepala onse.
- Choyenera, lembani zonse zomwe mwagula ndi ngongole zomwe mumalipira panthawi yomwe mukulipiritsa.
Pomaliza, yang'anani chitsanzo cha momwe anthu ambiri (ngakhale kuti anthu omwe amaganiza kuti ndi oyerekezera) adatha kuchepetsa misonkho chifukwa cha kuchotsedwa kwa mankhwala. Kumbukirani kuti ndi kuphatikiza kwa ndalama zomwe mumagula ndi kansalu, koma ndalama zomwe mumagwiritsa ntchito ndi amayi anu komanso ana omwe akudalira.
Chitsanzo cha momwe kuchotsera kungathandizire banja ndi khansa
Kuchotsedwa kwa 10 peresenti kungaoneke ngati kwakukulu, koma chitsanzo chofulumira (ngakhale choposa kwambiri) chingawathandize kufotokoza izi. Taganizirani za banja la 5 lomwe lili ndi kholo limodzi ndi khansara yamapapu, ana atatu ogwirizana, ndalama zokwana $ 55,000 zokhazikika pachaka, ndi inshuwalansi yathanzi (bambo ndi freelancer ndipo alibe bwana inshuwalansi) ndi $ 5,000 deductible.
- Malipiro a inshuwalansi osabwereka a $ 761.00 pamwezi pa $ 9132.00.
- Mayi amawononga ndalama zokwana madola 3500.00 za maulendo osamalidwa, osabweza kubwezeredwa, madandaulo a chipatala, ndi zopereka za oxygen. Kupita ku malo opita kuchipatala makilomita 90 kuchoka kunyumba kuti athandizidwe ndi mankhwala, ma opaleshoni, ndi maulendo a kuchipatala amatha kufika makilomita 2750 (kubwezeredwa pa masentimita 24.5 pa mailosi pafupifupi $ 673.75.) Amayi adapezeka pulogalamu ya kusuta fodya (osati kubwezera ndalama ya $ 200.)
- Bambo ndi matenda a shuga. Ndalama zowonjezera ndalama zinaphatikizapo kuyenda (osati kuwonjezeredwa pano) ndi ndalama zovomerezeka zokambirana ndi dokotala kuti athandize kuthetsa matenda a shuga. Mtengo wa msonkhanowo unali $ 550 kwa banja, ndi mtengo wapaulendo wa $ 220 malingana ndi kuchotsedwa kwa galimoto. Bambo adalinso ndi opaleshoni yowonongeka yomwe inakwana $ 3500.
- Mwana mmodzi ali ndi vuto la kuphunzira (dyslexia) lomwe limafuna kuwerenga kukonza mtengo wa $ 1200.
- Awiri mwa anawo ali pakali pano. Pambuyo pa $ 1,000 pokhapokha mwanayo ataphimbidwa ndi inshuwalansi ya mano, amalipira cheke pachaka ndalama zokwana madola 7000 pa braces.
- Kuyeretsa kwa mano osaphimbidwa ndi njira zamano kunabwera $ 1030 pa zisanu.
- Mwana mmodzi ali ndi lens zamakono omwe amabwera $ 360 chaka. Njira yothandizirayi inali $ 60.
Pachifukwa ichi, ndalama zopezera ndalama zapakhomo zapakhomo zomwe sizinapangidwe ndi inshuwaransi kapena ndondomeko ya ndalama zowonjezera zafika $ 27,425.75. Malingana ndi ndalama za pachaka za banja zokwana madola 55,000 ndipo pogwiritsa ntchito 10 peresenti yodulidwa, ndalama zoposa-$ 5,500 zidzaperekedwa. Kuchotsa gawo limodzi la magawo khumi, ndalama zokwana $ 21,925,75 zimakwanira ngati kuchotsedwa kwachipatala. Ngati katswiri wanu wa khansa akukulemberani dongosolo la galu yothandizira kupsinjika kwa khansa (posttraumatic stress ndi yowonongeka kwa anthu omwe ali ndi khansara) mukhoza kuwonjezera chakudya cha galu ndi bizinesi kwa nambala iyi.
Ngakhale chitsanzo ichi chingawoneke choopsa, kumbukirani kuti odwala mmodzi mwa anthu 10 aliwonse a khansa amagwiritsa ntchito ndalama zoposa $ 18,000 muzipatala zachipatala chaka chilichonse ndipo akuganiza kuti ndalamazo ndizochititsa kuti 60 peresenti ya ndalama zowonongeka ku United States.
Pansi
Mfundo yabwino kukumbukira ndi yakuti kuwononga ndalama zamankhwala si njira yopezera misonkho, koma kukhala ndi mwayi wopewera misonkho pazinthu zokhudzana ndi mankhwala zomwe simungazipeze ngati mulipo 100 % wathanzi. Ndipotu, mumayenera kuvutika ndi thupi komanso maganizo opatsirana a matenda a khansara. Ndipo ngakhale potsalirapo, kuphatikizapo kuchuluka kwa ndalama komanso kuchepa kukhoza kugwira ntchito ndi khansa kungakhale kovuta kwambiri pa zachuma.
Zotsatira Zotsatira
Pambuyo pokambirana zoletsedwa za kuchotsedwa kwa zachipatala, mukhoza kudabwa momwe mungagwiritsire ntchito ndalama zanu m'tsogolo. Taganizirani izi:
- Kupita patsogolo, ganizirani njira zachipatala m'chaka cha kalendala (mwachidziwitso.) Mwachitsanzo, ngati muli ndi chipatala cha khansa, mukhoza kulingalira momwe mungagwiritsire ntchito kansalu komwe mukuyembekezera, pamodzi ndi colonoscopy yanu yodalirika nthawi yomweyo chaka kuti athe kufika pa 10 peresenti yodulidwa.
- Onetsetsani muzinthu zina zomwe mungakonze kuti mugwiritse ntchito, monga ndalama zogwiritsira ntchito ndalama (FSA's).
Ndizothandiza kwambiri komanso kupeza thandizo ngati mukuvutika. Wothandizira zachipatala wanu ogwira nawo ntchito zachipatala akhoza kukhala ndi malingaliro, kuphatikizapo zomwe akudziwa zokhudza mapulogalamu othandizira odwala. Makampani angapo osokoneza bongo ali ndi mapulogalamu othandizira olemba mankhwala omwe alipo. Mabungwe a mtundu wanu wa khansara akhoza kukhala ndi zothandiza, ndi anthu omwe mungathe kuyankhula nawo za njira. Ngati mukukhala ndi nkhawa zokhudza ntchito, kampani yopanda phindu Kansala ndi Ntchito zimakhala ndi zambiri zokhudzana ndi ufulu wanu kuntchito ndi zina. Pomalizira, kukhala nawo pa kansa ya pa intaneti kungakhale yamtengo wapatali, chifukwa zingakupatseni mpata wolankhula ndi ena omwe anakumana ndi mavuto omwewo paulendo wawo.
> Zotsatira:
> American Cancer Society. Kumvetsetsa Inshuwalansi Zaumoyo. http://www.cancer.org/treatment/findingandpayingfortreatment/understandinghealthinsurance/index
> Dipatimenti ya Treasury Internal Revenue Service. Kufalitsa 502 Zamankhwala Zamankhwala ndi Mankhwala Amagwiritsidwe ntchito pokonzekera Kubwezeretsa 2017. https://www.irs.gov/pub/irs-pdf/p502.pdf
> Mapulogalamu a Pakhomo la mkati. Mutu 502 - Ndalama Zamankhwala ndi Zamano. Kusinthidwa 01/31/18. https://www.irs.gov/taxtopics/tc502.html