Mukhoza kutenga ndalama zopanda malipiro zopanda malipiro zomwe zimapitilira 7,5% ya Phindu Lanu Lowonongeka ngati mutapatula.
Kupindula Kwambiri ndi Kuchepetsa Zamankhwala
Popeza muyenera kupitirira 7.5% kuchepetsa, njira yowonetsera kuti ndalama zowonjezera ndalama zitheke zimadziwika kuti "bunching". Lingaliro ndi kulipira ngongole zambiri zachipatala chaka chimodzi ngati n'kotheka. Misonkho yanu yachipatala ya chaka iposa 7,5% kuchepetsa, ndalama zonse zowonjezera ndalamazo zimachotsedwa.
Mukufuna kupereka malipiro onse m'chaka chimenecho m'malo modikira mpaka chaka chotsatira pamene muthalanso 7.5%. Pokhala ndi bunching, mumakhala ndi njira ziwiri. Chaka chimodzi mumalipira zonse zomwe mungathe ndikukwanitsa kuchotsa, pamene chaka chotsatira mumangopereka ndalama zomwe muyenera kulipirako chifukwa simungapitirire kuchepetsa 7.5% chaka chachiwiri. Konzani patsogolo kuti mudzagwiritse ntchito ndalama zambiri monga momwe mungathere.
Ndalama Zovomerezeka Zovomerezeka
Ndalama zochiritsira zothandizidwa ndi mankhwala ndizofunika kuti munthu azindikire, kuchiza, kuchepetsa, kuchiza, kapena kupewa matenda ena kapena mankhwala omwe amakhudza gawo kapena ntchito ya thupi. Ndalama ziyenera kukhala za matenda enieni osati zowonjezera za thanzi. Kutulukira kwa nyamakazi kumatulutsa mndandanda wa zovomerezeka zovomerezeka zamankhwala. Zowonjezera ndalama zambiri zimachotsedwa. Zosowa zosavuta kuzipeza ndizo:
- malipiro a dokotala
- ndalama zachipatala
- biyala ya ma laboratory
- mankhwala ovomerezeka
- zithandizo zamankhwala
- ndalama zoyendayenda pofuna kupeza chithandizo chamankhwala
Zowonjezera Zina
Chonde onani IRS Publication 502 kuti mupeze mndandanda wathunthu wa ndalama zimene zingathe kuchotsedwa. Zotsatira zokhudzana ndi zamankhwala zochepa zomwe zimadziwika ndi nyamakazi zingagwiritsidwe ntchito:
- Nsalu, mabala, ma-braces, walker, scooter, wheelchair, ndi zipangizo zina zamankhwala.
- Mtengo wapadera wa nsapato zamatumbo pa nsapato zachibadwa.
- Kusamalira mpando wapamwamba wa mafupa.
- Mabotolo apadera a mateti ndi mapulogalamu othandizira odwala nyamakazi. (Malipiro Owononga 68-212)
- Zothandizira zothandizira ndi zothandizira zothandizira Ndalama kapena ndalama zowonjezera pamwamba pa zinthu "zachibadwa" monga kutentha ndi phukusi, zida zochitira masewera olimbitsa thupi, zida zogwirira zikuluzikulu zakhitchini, aphunzitsi, operekera zovala, zovala ndi zofunda.
- Chithandizo cha opaleshoni, chiropractors, osteopaths, munthu wachipatala cha Indian, kapena Christian Science ogwira ntchito.
- Hydrotherapy (mankhwala amadzi), jekeseni, ndi mankhwala a x-ray.
- Mtengo wokonzetsa galimoto kapena nyumba yokhala ndi malingaliro ochepa.
- Kukula kwakukulu kwa malo pamene cholinga chachikulu ndizofunikira zachipatala (zitsanzo: dziwe losambira, zotentha zotentha, kusambira spa, elevator, kukweza mapulani apadera) zimachotsedwa pokhapokha ngati mtengo wake umadutsa kuwonjezeka kwa mtengo. Kuwonjezeka kwenikweni kwa mtengo kwa nyumba kumapangidwa ndi kuyesa. Ndalama zomwe zimagwiritsidwa ntchito pokonzanso malo okhala ndi zofooka zakuthupi monga mphambano, zitsulo zothandizira, zitseko zapadera, ndi zojambula zimaganiziridwa kuti zisapitirize mtengo wa nyumba ndipo zimachotsedwa kwathunthu.
- Zowonongeka zapakhomo monga ma air conditioners, heaters, humidifiers, cleaners air, ndi whirlpools zomwe zimagwiritsidwa ntchito pothandiza munthu wodwala.
- Chophimba chapadera-makonzedwe onse kuti athetse nkhawa za maganizo zomwe zimayambitsa matenda a lupus.
- Mankhwala osagwirizana ndi nyamakazi omwe sagwiritsidwe ntchito nthawi zambiri amachotsedwa chifukwa IRS yatenga malo omwe sangathe kupereka chigamulo kuchipatala. Kulipira kwa dokotala wosagwiritsidwa ntchito mosagwiritsidwa ntchito mosavuta kumadulidwa ngati mtundu ndi ubwino wa ntchito zawo siziri zoletsedwa.
- Kugwiritsa ntchito ndi kukonzanso ndalama zogulitsa katundu monga dziwe, spa, kutentha, mpweya wabwino, etc. monga madzi, magetsi, kuyeretsa, kukonzanso, kusamalira, ndi mankhwala omwe amafunika ndi ndalama zobisika zomwe zimadulidwa. Zonsezi zimadulidwa ngakhale kuti palibe kapena gawo limodzi la ndalamazo lidaperekedwa.
- Pulogalamu yowononga kuti dokotala akuthandizeni kuchepetsa nkhawa pamagulu a nyamakazi. Komabe, zoperewera zomwe zimaloledwa kudya zakudya zapadera zingakhale zoletsedwa.
Kuchotsa Phindu la Phukusi Losambira
Ngati kusambira kumatchulidwa ngati mankhwala kapena mankhwala, mtengo wa kumanga dziwe losambira pakhomo ukhoza kuchotsedwa ngati ndalama . Komabe, IRS ikhoza kukayikira zoperekedwa chifukwa cha kuthekera kuti dziwe lingagwiritsidwe ntchito pa zosangalatsa.
Ngati mungasonyeze kuti dziwe limakonzedweratu kuti likhale ndi vuto lanu ndipo siliyenera kuti likhale losangalatsa, IRS ikhoza kulola kuchotsa. Mwachitsanzo, IRS inaloleza kubwereka kwa dziwe lopangidwa ndi osteoarthritis patient. Dokotala wake adamuuza kuti azisambira kangapo patsiku ngati mankhwala. Anamanga chipinda cham'madzi ndi masitepe apadera komanso chipangizo cha hydrotherapy. Chifukwa cha zinthu izi, IRS inatsimikiza kuti dziwe linali lapadera kuti liperekedwe kuchipatala.
Ndalama Zamalonda Vs. Ndalama Zamankhwala
Njira inanso yozungulira 7.5% ya kuchepa ndi pamene ndalama zitha kuwerengedwanso ngati chinthu china. Zina mwa ndalama zimadulidwa monga ndalama zogulira ndalama m'malo molipira ndalama. Kuvomereza kubwezedwa kwa bizinesi sikukugonjetsedwa ndi 7.5%. Ngati muli olumala ndipo muli ndi ndalama zomwe mukufunikira kuti mugwire ntchito (zowonongeka zokhudzana ndi ntchito), mutha kugwiritsira ntchito bizinesi yolipirira ndalamazi, osati kuchotsera mankhwala. Iwe uli olumala ngati uli nawo:
- Kulema kwa thupi kapena m'maganizo (mwachitsanzo, khungu kapena wogontha) zomwe zimachepetsa ntchito yanu
- Kufooka kwa thupi kapena m'maganizo (mwachitsanzo, kuwona kapena kukhumudwa kwa kumva) kumene kumalepheretsa chimodzi kapena zambiri mwazochita zanu zazikulu monga kuchita ntchito, kuyenda, kulankhula, kupuma, kuphunzira, kapena kugwira ntchito
Mukhoza kutenga ndalama zokhudzana ndi kuwonongeka kwa ndalama monga ndalama:
- N'kofunikira kuti muchite ntchito yanu mokwanira
- Pakuti katundu kapena ntchito sizinayesedwe kapena kugwiritsidwa ntchito, kupatulapo mwangozi, muzochita zanu
- Osatchulidwa mwachindunji pansi pa malamulo ena a msonkho.
Ngati muli odzigwira ntchito, ndalamazo zimatchulidwa pa ndondomeko yanu C. Ngati muli antchito, ndalamazo zikulembedwa pa Fomu 2106.
Ndalama zopanda malire
Zambiri zomwe zimagwiritsidwa ntchito, ngakhale kuti zikuwoneka zokhudzana ndi chisamaliro cha umoyo wa nyamakazi, sizidaperekedwa kwenikweni. Chitsanzo chimodzi ndi mtengo wa mankhwala owonjezera (ngakhale mutakhala ndi mankhwala). Mankhwala osokoneza bongo monga:
- aspirin (Bayer, Anacin, ndi zina zotero)
- ibuprofen (Advil, Motrin)
- ketoprofen (Orudis)
- naproxen (aleve)
- acetaminophen (Tylenol, Excedrin, ndi zina zotero)
Komabe, katundu wina wodzitetezera komanso wosagwiritsidwa ntchito amatha kuchotsedwa .
Kuphatikizanso apo, chamba cha mankhwala osokoneza bongo, chomwe tsopano chimatchedwanso "chamba chachipatala," chinayambanso kulamulidwa.
Kulemba Kufunika Kwambiri ndi Malemba
Pogwiritsa ntchito ndalamazi, ndalamazo ziyenera kulembedwa ndi mapepala. Muyenera kukhala ndi malangizidwe olembedwa kuchokera kwa dokotala akufotokoza zosowa zachipatala. Ndalama zilizonse zomwe zimaonedwa ngati zaumwini osati zachipatala sizochotsedwa. Izi siziyenera kukulepheretsani kuchotsa ndalama zoyenera za mankhwala. Malamulo a msonkho ndi ovuta komanso osintha.
IRS imayesa kufufuza kwakukulu kwa mankhwala kotero onetsetsani kuti mupeze uphungu wa msonkho wa akatswiri. Malangizo a dokotala sikutsimikiziranso IRS kuvomerezedwa. IRS ikhoza kutsutsana ndizofunikira zothandizira zachipatala ngakhale ngati ndondomeko ya dokotala ikuperekedwa ngati kusungirako ndalama.
Nkhaniyi siimalowa m'malo mwa ntchito zamalonda. Chonde funsani katswiri wodzipereka misonkho kuti apeze mayankho a mafunso anu enieni.
Ndi Richard Eustice, yemwe kale anali katswiri wamisonkho kwa zaka zoposa 15, atapuma pantchito chifukwa cholemala nyamakazi ya nyamakazi.
> Zotsatira:
> Ndalama Yopeza, ndi JKLasser; Ufulu wa Misonkho, ndi Robert C. Carlson, JD, CPA
> Bukhu la Chidziwitso cha Misonkho, Maphunziro a Makomiti a Bokosi
> Lembani Zolemba, Magazini ya Arthritis Today Nov / Dec96