Ngati ndalama zamankhwala zikugwiritsidwa ntchito pa nthawi ya khansa ya m'mawere , muyenera kubwezeretsanso ndalama zina zomwe mumatulutsa misonkho. Mungadabwe ndi zomwe zimayenerera ngati ndalama zomwe zingatengedwe monga msonkho wothandizira msonkho, psychotherapy, ndi kayendetsedwe ka kayendetsedwe ka ndalama. Tiyeni tione zomwe muyenera kudziwa musanatchule.
Kuchotsa Misonkho ya Zamankhwala
Boma la federal limapereka ndalama zochepetsera ndalama zomwe mukuyenera kuzipeza mu chaka choperekedwa kuti mutengere msonkho. Ayenera kupitirira 10 peresenti ya ndalama zanu zowonongeka (AGI). (Fufuzani misonkho ya chaka chatha kuti muwone ngati mulibe chitsimikizo cha nambalayi.) Mwachitsanzo, ngati AGI yanu ndi $ 40,000, ndalama zanu ziyenera kukhala zosachepera $ 4,000 kapena zambiri kuti muzigwiritsa ntchito msonkho uliwonse.
Kwa ambiri okhometsa msonkho, chigawo chimenecho chimapangitsa kuti kuchotsedwa kwa mankhwala sikutheke. Odwala khansa ya m'mawere, chiwerengero chofunikira chikhoza kusonkhanitsidwa mosavuta. Ndalama zomwe zimakhudzana ndi matenda a khansa ya m'mawere zimasiyanasiyana malinga ndi matenda anu, mankhwala anu, ndi inshuwalansi yanu.
Kafukufuku wina anapeza kuti mtengo wapadera wa chaka choyamba cha matenda a khansa ya m'mawere unachokera pa $ 16,226 kufika pa $ 39,305. Komabe, kafukufuku wina adapeza kuti mtengo wokwanira wa chisamaliro cha amayi omwe ali ndi khansa ya m'mawere inali ya $ 128,500.
Ngati mumakonda kupereka misonkho yanu koma simunagwiritse ntchito zovutazo, izi zikhoza kukhala chaka cholemba ngongole yemwe angathe kukukonzerani zonse. Anthu ambiri amapeza kuti amasunga ndalama zambiri kuposa momwe amachitira kukonzekera katswiri wamakhalidwe abwino. Ngati mukufuna kukonzekera nokha, izi ndizofunikira:
- Mukhoza kutenga ndalama zomwe munadzilipirira nokha, mwamuna wanu, mwana wodalirika, kapena wachibale wina aliyense wodalira amene umoyo wake umamuthandiza. Mwa kuyankhula kwina, "magawo 10" omwe mukufika nawo angaphatikizepo ndalama zanu zokha zomwe mumagula koma za mnzanuyo ndi ana. Mukawonjezera mu magalasi ndi maso, chiwerengero chimenecho chikhoza kufulumira.
- Simungathe kutchula chilichonse chomwe chinabwezedwa kudzera mu akaunti yogwiritsira ntchito ndalama (FSA).
- Muyenera kusunga zolemba zabwino (mapepala, mapepala a banki, ndi zina zotero) zomwe zili ndi ndalama zonse zoyenera (zowonjezera zambiri).
- Muyenera kulemba Ndondomeko A, Fomu 1040. Yophweka 1040 yokha kapena 1040 EZ sangagwiritsidwe ntchito kuchotsera ndalamazi.
Kodi Chotsitsidwa?
IRS ili ndi kutanthauzira kwakukulu kwa zomwe zimayenerera kukhala ndalama zoyenera zachipatala. Kuwonjezera pa kungogwiritsira ntchito ndalama komanso zolemba, zimangowonjezera ndalama zomwe zimagwiritsidwa ntchito chifukwa cha mankhwala kapena mazinyo. Kufotokozera kwathunthu kumapezeka muno.
Kwa wodwalayo khansa ya m'mawere, zitsanzo zikuphatikizapo:
- Kutumiza kupita kuchipatala komanso malo ogona ngati kuli kofunika usiku wonse (zoletsa zina monga ndalama zomwe zingagwiritsidwe ntchito).
- Wigs amagulidwa tsitsi chifukwa cha matenda kapena mankhwala.
- Kuchitidwa opaleshoni ya ubereki pambuyo pa kupweteka kwa matenda.
- Malipiro amaperekedwa ku pulogalamu ya kusuta fodya , koma osati mankhwala owonjezera omwe amagwiritsidwa ntchito ngati chikonga.
- Kukonzekera kwapakhomo kukuonjezeretsa kupeza, monga kuchepetsa makabati a khitchini kapena kukhazikitsa machitidwe ochezera omwe amachepetsa kufunikira kokwera kufika.
- Thandizo la mankhwala kapena mankhwala opatsirana mankhwala monga Tamoxifen kapena Herceptin omwe amapatsidwa nthawi yothandizidwa ndi khansa ya m'mawere kapena pambuyo pake-kapena chilichonse chomwe inshuwalansi sichikuphimba.
Phunzirani mozama makamaka zomwe ndalama za khansa ndizoperekedwa pa msonkho , komanso momwe mungafunikire kupereka malipiro awa.
Kodi Chosawonongeka N'chiyani?
Ndi zophweka kutengedwera ndikuyamba kulandira mapepala a zinthu zazing'ono. Koma musaphatikizepo zinthu zomwe sizikugwirizana mwachindunji kuchipatala choyenera kapena chithandizo cha mano. Zitsanzo zikuphatikizapo:
- Njira zodzikongoletsera, monga kuchotsa tsitsi kapena mano kumeta.
- Zakudya zowonjezera zakudya, kupatula ngati mwachindunji mumapatsidwa ngati gawo la chikhalidwe chanu.
- Ndalama za inshuwalansi kapena zopereka zowonetsera ndalama zowerengera ndalama.
Kutsata
Sankhani mamembala abwino kuti akhale olemba mbiri yanu ngati simungathe kuchita. Munthuyu ayenera kusunga fayilo yomwe ili ndi mapepala onse olembetsa, kutseketsa cheke, ndi zina zotero-kuti mufunikire kunena. Zingakhale zothandiza kulowetsa zonsezi pazithunzi pamene akubwera kuti asathamangire kudutsa panyanja yamapepala kumapeto kwa chaka.
Mfundo Zofunika Kwambiri pa Kukhoma Misonkho ndi Khansa ya M'bwere
Ndi makampani ambiri a inshuwaransi omwe akufunira anthu kuti azilipira gawo linalake la zamankhwala, anthu ambiri amakumana mosavuta peresenti ya 10 peresenti yomwe imapangitsa kuti ndalama zothandizira zachipatala zithandize. Ngati muli ndi mamuna ndi ana, ndizosadabwitsa kuti nambala imeneyo ingayambe mwamsanga, makamaka mukayang'anitsitsa zonse zomwe mumagwiritsa ntchito poyang'ana njira yothandizana ndi lens, kusamalira mano, kupita kuchipatala komanso kuchipatala.
Kuti muwonjezere msonkho wanu wa msonkho ndikofunika kusunga malemba osamala. Anthu ambiri amapeza kuti n'kothandiza kulemba ndalama mu bukhu lazinthu kapena pa fayilo yabwino kwambiri pamakompyuta awo pamene akuchitika, m'malo moyesera kusonkhanitsa zolemba zonsezo mubokosi la nsapato zisanafike nthawi ya msonkho. Kulemba ngongole nthawi zambiri kumakhala kosavuta ngati mwasankha kupereka ndalama.
> Zotsatira:
> Mapulogalamu a Pakhomo la mkati. Mutu 502 - Ndalama Zamankhwala ndi Zamano. https://www.irs.gov/taxtopics/tc502
> Vera-Llonch, M., Weycker, D., Galasi, A. et al. Ndalama zaumoyo kwa amayi omwe ali ndi Matenda a Maseti a Metastatic Akupeza Chemotherapy monga Chithandizo Chachikulu Chachikhalidwe. BMC Khansa . 2011. 11: 250.