Ukukhishwa kwe-Payroll kungokomthetho noma ngokuzithandela. Ukwazi umehluko nokuthi kungani lokhu kunqunywe khona kuzochaza ukuthi kungani umholo wakho awufani nalokho okukhokhwayo.
Uma unemibuzo eyengeziwe ngemuva kokufunda ngalolu lwazi, uMnyango WezeMithombo Yabantu uyisisetshenziswa sakho esihle kakhulu.
Bangakwazi ukuphendula imibuzo yakho mayelana nesinxephezelo sakho, inkokhelo, kanye nezinkokhelo zokukhokha.
Ukukhishwa kwe-Payroll okugunyaziwe
Umqashi uyadingeka ngomthetho ukugwema intela yokukhokha intela ekhokhelwayo yomsebenzi ngaphambi kokukhipha imali yokukhokha ukuze uhambisane nemithetho kahulumeni. Abaqashi abahluleka ukulandela umthetho ngokudonswa okugunyaziwe bavuleleke ezinkantolo, izinhlawulo, ngisho nokuphuma kwebhizinisi. Njengomsebenzi, udinga nje ukuqonda ukuthi kwenzekani.
Lezi yizinkokhelo ezikhokhwayo zokukhokha intela:
- Intela yentela yaseFrance,
- Izintela zikahulumeni, futhi
- Inkokhelo yendawo yendawo (idolobha, i-county) yokugodla kwezinye izindawo. (Izintela ezinye zendawo zingabandakanya intela yesifunda yesikole, intela yomphakathi ekolishi, ukukhubazeka kombuso noma umshuwalense wokungasebenzi, isibonelo.)
Isethi yesibili yokukhishwa kwe-payroll okudingekayo yi-FICA ( intela ye- Federal Insurance Contributions Act) efaka phakathi:
- Izintela zokuphepha komphakathi kanye
- I-Medicare intela yokugodla intela.
Kuye ngesimo sakho nendawo yakho, ungase ube namazinga ahlukene kakhulu yentela. Izindleko zentela zaseSweden zifana nalokho kulabo bonke abakhokhi bentela.
Ukukhishwa kwama-Payroll okuzithandela
Ngenkathi umthetho ungafuni umqashi ukuba athathe izinzuzo ezizithandela ekukhokheni imali, abaqashi abaningi benza. Kwezinye izimo, ukukhishwa kokukhokhelwa ngokuzithandela kungcono kumqashi.
Kwabanye, ukuchithwa kokukhokhelwa ngokuzithandela kungcono kumsebenzi.
Ukukhishwa okuzithandela kusuka ekukhokhelweni okukhulu kubandakanya izinto ezifana neminikelo yokusiza (isibonelo, i-United Way) nomnikelo odingekayo wesisebenzi ekunakekelweni kwezempilo okuqashiwe ngumqashi, ukutholakala kwe-inshuwalense yamazinyo noma umbono. Zihlanganisa:
Ukuncishiswa okunye kokuzithandela komhlalaphansi kungakhokhwa ngokukhokhelwa kwabasebenzi. Lezi zibandakanya izinhlelo eziningana ezixhaswe ngumqashi 401 (k) ezixhaswe ngumqashi, noma ngaphandle kokuqhathaniswa nomqashi, ezikhokhelwa ngaphambi kwentela kanye neRoth 401 (k) ekhokhwa emva kwentela.
Olunye ukukhishwa kwamaholo okuzithandela okuvamile okuphathelene nomshuwalense wokuphila oqashiwe ngumqashi. Abaqashi abaningi bakhokhela inqubomgomo eyisisekelo yomshuwalense wokuphila kwabasebenzi. Kodwa, abasebenzi bangakhetha ukuzitholela ngokwengeziwe, abashade nabo, nomndeni uma bekhetha.
Ukuze uthathe izinkampani eziphoqelelwe futhi ezizithandela, umqashi kufanele aqaphele kuqala isamba somsebenzi , esibizwa ngokuthi umholo omkhulu, owawuthola phakathi nesikhathi. Umqashi bese esusa izinkokhelo ezisemthethweni nokuzithandela kule mali ephelele ukuze kufike umholo wenkokhelo womsebenzi.
Ngenxa yokuthi imithetho yentela yase-US iyadideka futhi izigwegwe ziyakugwema, abaqashi bazofuna ukukhuluma noMbuso wabo wezabasebenzi kanye nommeli wabo womthetho lapho beqala ukuqasha abasebenzi.
Kukhokhwa ukwazi ukuthi yini edingeka ngokomthetho. I-firm accounting firm yakho isinye isazi ezindabeni eziphathelene nezintela zokukhokha kanye nezinkokhelo.
Njengomuntu oyedwa, ngethemba ukuthi unokuqonda okungcono ukuthi kungani inkokhelo yakho yenetha ingase ibe ngaphansi kakhulu kunkokhelo umqashi wakho ekukhokha yona ngempela (inkokhelo enkulu) - futhi lapho leyo mali iya khona.