ʻO kaʻokoʻa likeʻole ma waena o kēia mau hua'ōleloʻelua,ʻo ia ka uku o nā hana pilikino i ukuʻia e ka poʻe hana pilikino kahi pono, akā, ukuʻia nāʻauhau hana a nā poʻe limahana a me nā mea hana.
He aha nāʻauhau hana pilikino?
ʻO nāʻauhau hoʻolimalima hana e ukuʻia e ka poʻeʻoihana hanaʻoihana pilikino no ka Social Security Administration no Social Security a Medicare, e pili ana i nā uku o kāuʻoihana (ʻaʻoleʻo ka hui). Kāheaʻia kaʻauhau hanaʻokoʻa i kapaʻiaʻo "SECA" auhau (mai loko mai o kaʻOihana Kokua Hoʻoikaika).
ʻO ka ukuʻauhau no ka uku hana pilikino he 15.3% no ka Social Security a Medicare, ma muli o ka loaʻa kālā o kaʻoihana. Loaʻa ka uku o ka uku mālama mālama ola i kēlā me kēia makahiki; ināʻoi aku kaʻauhau'Ālepa i ka palena kiʻekiʻe,ʻaʻole hoʻokauʻia ka auhau'Ālepa i ka nui ma luna o ka palena. Hoʻoliloʻia kaʻauhau hōʻailona ma luna o nā uku a pau, me kaʻole o ka maximum. Loaʻa kekahi kau kālā Medicare i hoʻokumuʻia i nā poʻe iʻoi aku ke kiʻekiʻe, ma hope o ka hōʻeaʻana i kahi pae kālā kūpono.
ʻO nā limahana wale nō e uku i ka hapalua o kēia mauʻauhau (hāʻawi nā limahana i ka hapalua),ʻoiai nā mea kūʻai e uku i ka nui o kaʻauhau.
Akā, hiki i nā mea pāʻoihana ke lawe i ka hapalua o kaʻauhau mai kā lākou kālā makahikiʻauhau kālā no ka hoʻoemiʻana i ka loaʻa kālā maʻamau.
Hoʻolimalima nā paʻahanaʻoihana hana i kaʻauhau o kaʻoihana limahana,ʻo ia hoʻi kaʻauhau Social Security a Medicare, me ka uku kālā Medicare hou, inā pono. A no ka mea,ʻo ka poʻe hana i ka poʻe i hana iā lākou iho e uku i kaʻauhau kālā ma ka waiwai o kā lākou hana pono'ī.
He aha nāʻauhau hana?
Wahi a ka IRS, nāʻauhau hana i loko o:
- Kālepa FICA (Social Security a Medicare kaʻauhau), e pili ana i ka loaʻa kālā o ka limahana, e puʻunaueʻia e ka limahana a me ka mea hana. ʻO ke kālā he 7.65%, he 15.3% ka nui. Hoʻohana like ka nui o ka mālama mālama ola i nāʻauhau FICA. Aʻo kaʻauhau kālā Medicare hou e pili ana i ka māhele Medicare o kēiaʻauhau.
- ʻO kaʻauhau kālāʻauhau kālā, nā mea iʻauʻaʻia mai ka uku hana lima a hoʻounaʻia i ka IRS e ka mea hana.
- ʻO kaʻauhauʻauhauʻole o ke aupuni Pekelala (FUTA), i ukuʻia e ka mea hana e hoʻolako i nā kōkua hanaʻole i nā limahana. ʻAʻole uku nā kānaka pilikino i kaʻauhau hanaʻole, aʻaʻole hiki iā lākou ke hōʻiliʻili i nā pono hanaʻole.
He aha nā mea iaʻu ināʻelua koʻu uku hana waiwai a me ka loaʻa kālā?
He aha ināʻo wau aʻoihana pono'ī a me kekahi mea hana? Makemake au e uku i ka palena kiʻekiʻe ma luna o ka ukuʻauhau a me kaʻauhau hana a pau? ʻAe aʻaʻole. Ponoʻoe e uku i kaʻauhauʻauhau ma ke kālā mai nā punawai a pau, e like me ka loaʻaʻana o ka loaʻa o ka loaʻa o ka hana a me ka loaʻa kālā o ka hana. Ponoʻoe e uku i kaʻauhau hoʻolimalima kālā (SECA) no Social Security a Medicare, a pono hoʻi i kāu mea hana ke hōʻiliʻili i kaʻauhau FICA mai kāu uku. Akā, aia ka kiʻekiʻe ma luna o kaʻauhau mālama ola,
Ma keʻano laula, ua noʻonoʻo mua ia kaʻauhau FICA mai ka hana mai, a ināʻaʻole i loaʻa ka pale mālama ola, e hoʻokomoʻia nāʻauhau hana. Hōʻike kēiaʻatikala ma nā kulekele SECA a me FICA i keʻano o ka piliʻana o kēia mauʻauhau ma kēiaʻano.
Ke Hopena
Ma waho o nā pōmaikaʻi hanaʻole o ke aupuni, uku nā kānaka a me nā limahana pono'ī hoʻokahi i nāʻauhau likeʻole - nāʻauhau loaʻa kālā a me nāʻauhau no ka Social Security a Medicare. E like me kaʻu i'ōlelo ai i kinohi,ʻo kēia mau auhau hoʻokahi, ma nā inoa'ē aʻe.
E hoʻi i nā 'auhau Tahana'Āina: He mea e pono aiʻoe eʻike
E hoʻi i nā mea a pau e pili ana i ka hana hana a me ka uku hoʻolimalima hana pilikino.