401 (k) amacebo, izinhlelo zesigaba 125 zokudla (okungenalutho ngokudla emsebenzini!), Izinhlelo zomshuwalense wezinkampani, ngisho nezinzuzo zeholidini kumele ziqondwe ukuze zisebenze ngendlela enhle kakhulu, futhi zikhona inkinga.
Lezi zinhlelo zokuhlomula zingaba zinkimbinkimbi futhi zididekile, futhi abaqashi bethu abazichazi kahle ngokugcwele ukuvumela umuntu ovamile ukuba enze izinqumo ezifanele ngesimo sakhe siqu.
Masilahle phansi izinzuzo zomsebenzi, kuqala ngezinhlelo zokusebenzisa imali.
Iyini i-Akhawunti ye-Flexible Spending?
I-akhawunti ye-Flexible Spending Account (FSA), ebizwa nangokuthi i-flex plan noma i-akhawunti yokubuyiselwa yinzuzo exhaswe ngumqashi evumela ukuthi wena ukhokhe izindleko ezifanele zezokwelapha ngesisekelo sokukhokhwa kwentela (kukhona ama-akhawunti afanayo nezindleko zokunakekela izingane nezindleko ).
Uma ulindele ukuthola izindleko zezokwelapha ezingeke zibuyiselwe uhlelo lwakho lomshwalense wezempilo njalo, kufanele usebenzise i-FSA yomqashi wakho uma kunikelwa.
I-Akhawunti Yokuchitha Nge-Flexible ikuzuzisa kanjani?
I-FSA igcina imali ngokunciphisa intela yakho engenayo. Iminikelo oyenzayo kwi-Akhawunti ye-Splexible Spending isuswa emkhokheni wakho ngaphambi kokuba intela yakho ye-Federal, State, noma Social Security ibalwe futhi ayike ibikwe ku-IRS.
Umphumela wokuphela wukuthi unciphisa imali engenayo engenayo futhi ukwandise imali engenayo engenayo. Ungagcina amakhulu noma ngisho nezinkulungwane zamadola ngonyaka.
I-Flexible Spending Accounts isebenza kanjani?
Ekuqaleni konyaka wokuhlela (okuvame ukuqala ngoJanuwari 1), umqashi wakho ukubuza ukuthi ungakanani imali ofuna ukufaka yona ngonyaka (kunemingcele).
Unethuba elilodwa kuphela ngonyaka ukubhalisa ngaphandle kokuthi ube "noshintsho lwesimo somndeni" olufanelekile, njengomshado, ukuzalwa, isehlukaniso, noma ukulahlekelwa ngumshwalense womlingani wakho. Imali oyikhethayo yonyaka isuke esikhwameni sakho esikhwameni esilinganisweni esilinganayo isikhathi ngasinye sokukhokha futhi efakwe ku-akhawunti ekhethekile ngumqashi wakho.
Njengoba uhola izindleko zezokwelapha ezingahlanganiswa ngokugcwele nomshuwalense wakho, uhambisa ikhophi yencazelo yezinzuzo noma i-invoyisi yomhlinzeki kanye nobufakazi bokukhokha kumqondisi wepulani, oyokunikeza isheke lokubuyiselwa.
Yiziphi izindleko ezifanele ukukhokhelwa?
Noma yiziphi izindleko ezibhekwa njengezindleko zokwelashwa ezidonswa yi-Internal Revenue Service futhi azibuyiswa ngomshuwalense wakho zingabuyiselwa nge-akhawunti ye-Flexible Spending Account. Izibonelo zifaka:
- Imali ekhokhwa odokotela, odokotela bamazinyo, odokotela abahlinzayo, abahlengikazi, izifo zengqondo, izazi zengqondo, kanye nezobuchwepheshe be-Christian Science Ama-lenses nama-eye glass
- Izinkokhelo zezinsizakalo zesibhedlela, izinsizakalo zokunakekelwa kwesikhashana isikhathi eside, ingozi kanye nempilo, kanye nemiklomelo yomshuwalense wokunakekelwa kwesikhashana eside, izinsizakalo zokuhlengikaza, izimali zebholabhulari, imithi yokwelashwa kanye nezidakamizwa, kanye ne-insulin.
- Imithi yokwelapha
- Ukunakekelwa kweziguli eziphuthumayo esikhungweni sokulutha utshwala noma izidakamizwa
- Izinhlelo zokuqeda ukubhema nezidakamizwa ezibekwe ukusiza ukukhishwa kwe-nicotine
- Amazinyo amanga, izinsiza zokuzwa, izintonga, izihlalo zabakhubazekile nezinja zokuqondisa izimpumputhe noma izithulu
- Izimali ezingaphezu kwezilinganiso ezinengqondo nezijwayelekile ezivunyelwe umshwalense wakho
- Izindleko zama-vasectomies, ama-hysterectomies nokulawulwa kokuzalwa
- Ukuhlinzwa okungeyona eyakhethekayo yokuhlinzeka ngezimonyo
- Izinkokhelo zokukhokha ezindleko ezihlanganisiwe
- Ama-Deductibles
- Amabhontshisi
- Izidakamizwa zemithi noma i-prescription co-ikhokha
Unquma kanjani ukuthi ungakanani ukufaka isandla ku-akhawunti yakho ye-akhawunti ye-Flexible Spending Account?
Kubalulekile ukuba ucabangele ukubala ukuthi imali eningi yokwenzela unyaka ngoba uma ufaka imali engaphezu kwalokho okudingayo, ngomthetho, ulahlekelwa yikho. Unezinyanga ezintathu ngemuva kokuphela konyaka wekhalenda ukuhambisa izimangalo zezindleko ezifanele ezenzeka phakathi nonyaka wekhalenda odlule.
Noma iyiphi imali esele ku-akhawunti yakho ngemuva kwezinyanga ezintathu izolahlekelwa.
Ukuze unqume ukuthi kungakanani okumele ukwenze, yenza uhlu lwezindleko zezokwelapha ezilindeleke ngaphandle kwezokuphepha ezikhokhelwa wena nabancike kulo nyaka ozayo. Isibonelo, uma njalo udlula i-deductible yakho, faka inani elidonswayo ekubaleni kwakho. Yiba oqaphele ngakho ungalimazi noma iyiphi imali.
Ingabe isofthiwe itholakale ukusiza ukuphatha ama-akhawunti akho we-Flexible Spending?
Yebo. Ukuze uthole imininingwane, bheka i-athikili Phatha i-FSA yakho ne-Software Yezezimali.