Nā'Ai'ē Lāhui Pūʻali e pili ana i ka maluhia a me ka Medicare.
Nui nā keiki Boomers e hoʻopaneʻe ana i ka hoʻomaha loa a hele i nāʻoihana no lākou iho, aiʻole e hoʻomau i kaʻoihana.
Ke'ōlelo nei nā keʻenaʻoihana liʻiliʻi, ua piʻi ka nui o nā poʻeʻelemakule e hana nei; ka piʻi o ka poʻe o ke kanaka he 62 aʻoi aku iʻoihana pono'ī i ka 4.2 pakeneka i ka 1988 a 5.4 pakeneka i ka makahiki 2015.
ʻO wai ka hoʻohana ponoʻia?
No nā mea i manaʻoʻia ma kēiaʻatikala, e noʻonoʻo mākou i kekahi kanaka hana pilikino iā ia inā he kanakaʻoihana kona,ʻoihana waiwai a me nā lilo, a ke waiho neiʻo ia i kaʻauhauʻauhauʻoihana. I ka hapanui o nā hihia, hāʻawi nā kānaka pilikino iā lākou i kā lākouʻauhauʻauhau kālā e hoʻohana ana i ka Schedule C i hapa o kaʻauhauʻauhau pilikino.
Uku kālā, mālama mālama ola, a me nā meaʻoihana pilikino
Inā loaʻa iāʻoe kahi kālā, ponoʻoe e hōʻike i ka IRS a hoʻokaʻa i nāʻauhau ma luna. Laweʻia kāu kālā pilikino i kāu hōʻai'ē 'auhau pilikino me nā kālā'ē aʻe, e like me kekahi kālā mālama ola āu e loaʻa ai.
Hiki iāʻoe ke hoʻomau i ka hana i kāuʻoihana a mālama mau i nā pōmaikaʻi mālama ola, akā, ināʻaʻoleʻoe iʻoi aku ka uku o ka ukuʻauhau kālā i kēlā me kēia makahiki a hiki i kāu makahiki hoʻomaha maʻamau.
Inā nui kāu kālā no ka makahiki, e like me ka hana a me ka hana pilikino, ma mua o ka palena i hāʻawiʻia e ka Social Security, eʻokiʻokiʻia kāu mau kōkua palekana i ka $ 1 no kēlā me kēia $ 2 o ka loaʻa ma luna o ka maximum.
Mai ka hoʻomakaʻana o ka mahina i loaʻa iāʻoe ka makahiki hoʻomaha maʻamau (makahiki 66, ināʻoe i hānauʻia ma waena o 1943 a 1954), hiki iāʻoe ke loaʻa ka mea like āu e makemake ai aʻaʻole e uku i kekahi mau palekana mālama mālama a kāu e loaʻa ai.
Hiki i kāu hana pono'ī ke hoʻonui i kou palekana mālama ola, e like me ka nui o kāu kālā i hoʻolālikeʻia me nā makahiki'ē aʻe o ka hana. Ua hoʻomaopopoʻia ka Social Security Administration (SSA) e ka IRS o kāu kālā a hiki ke heluʻia nā hōʻai'ē'ē aʻe. E hoʻopaʻa pū me kāu keʻena noho palekana kūloko no nā nīnau e pili ana i ka hopena o kāu hana pilikino i kāu mau palekana Social Security.
Nā Tākupu a me nā Luna Nui
ʻOiai paha e loaʻa ana iāʻoe nā pōmaikaʻi mālama ola, ināʻoe e hana no kekahi mea'ē aʻe a iʻoleʻoe i kāuʻoihana pono'ī, ponoʻoe e uku i ka mālama ola a me kaʻauhau Medicare, i kapaʻia kaʻauhauʻoihana pilikino. Mahalo,ʻike wau. Peheaʻoe e uku ai i kēiaʻauhau e pili ana i kou kūlana.
ʻO ka mea nui loa e hoʻomanaʻo e pili ana i kaʻauhauʻoihana pilikino:ʻAʻole e unuhiʻia kēiaʻauhau mai kāu kālā mai he meaʻoihanaʻoihana. Ponoʻoe e helu i kaʻauhauʻauhau hana āu e uku ai a me ka ukuʻana i kēia kālā me kāu mauʻauhau. He nui nā mea kūʻai pāʻoihana e hoʻopiʻiʻia i kaʻauhau i kēlā me kēia hapahā no ka paleʻana i nā hoʻopaʻi no ka ukuʻole.
Ponoʻoe e hōʻike i nā kālā pilikino mai ka Hōʻawina C ma o ka hoʻohuiʻana i kēia kālā i kā lākou kālā loaʻa kālāʻauhau. Pono pū nā mea pāʻoihana e hōʻike i ka uku kālā o kaʻoihana ma ka Hōʻike SE , no nā kālā i loaʻa ma mua o $ 400 ma ka makahiki.
Hōʻike ka SE SE i kaʻauhau hoʻolimalima hana (Kaʻauhau Social Security a me Medicare no ka uku kālā pilikino.
Ke hoʻololi nei ka pānaʻi mālama mālama ola i ka makahiki makahiki. ʻO ka rate.is o kēia manawa 15.3% ma nā loaʻa a pau i ka palena mālama ola (e hoʻonui ana kēia hoʻonui i kēlā me kēia makahiki). ʻO ka uku kālāʻauhau hana kanaka he 2.9% (Medicare wale nō) ma luna o ka palena mālama ola; ʻaʻole ka palena ma kaʻauhau Medicare.
Inā loaʻa iāʻoe kahi kālā mai ka hana a mai ka hana pilikino, e helu muaʻia ka uku hana, ināʻoe e piʻi i ka uku kūpono.
ʻOiai ka nui o kaʻauhauʻauhau hana kanakaʻoi aʻe no nā meaʻoihanaʻoihana, ua nui nā unuhi i laweʻia mai kēia kumukūʻai:
- ʻO kāu mau 'upena pūnaewele mai kahiʻoihana pilikino e ho'ēmiʻia e ka hapalua o kāu pāʻani mālama Social. ʻO kēia ho'ēmiʻana,ʻo ia hoʻi ka laweʻana i nā kānaka pilikino ponoi e like me ka hapalua o ka mālama mālama ola i ukuʻia e nā mea hana no nā limahana. Laweʻia kēia unuhi ma ka Hōʻike SE .
- Eia hou, hiki iāʻoe ke unuhi i ka hapalua o kāu kālā mālama Social ma ka Form 1040, e ho'ēmi i kāu kālā pilina i hoʻololiʻia.
E hoʻomanaʻo ponoʻoe e uku i nāʻauhauʻauhau a me nāʻauhau o kaʻoihana limahana ma ka pūnaewele upena o kāuʻoihana,ʻoiai inā e loaʻa nei iāʻoe nā pōmaikaʻi Social Security.
Hoʻoponopono i kāu Nānā Loaʻa no ka Pūlekana Ola
ʻO kāu mauʻupena pūnaewele mai ka hana pilikino, no nā kumuhana Social,ʻo kāu mau mea ia e ulu ai i kaʻai, e hoʻokuʻu i ka hoʻokaʻawaleʻana i nāʻoihana kūʻai a me ka hōʻemi. ʻAʻole i loaʻa kekahi mau kālā'ē aʻe no ka Social Security; no kēia papa inoa, e nānā iā "Ināʻoe he mea hoʻohana iāʻoe iho" (lalo).
ʻO ka Medicare a me ka hana pono'ī
I ka makahiki 2010, ua hoʻomaka ka IRS eʻae i ka poʻe i hana iā lākou iho e hoʻokaʻawale i nā kumukūʻai ola kino Medicare Part B mai ka uku waiwai pilikino. Laweʻia ka unuhiʻana ma ka Line 29 o kāu Form 1040.ʻO kēlā mea kēia mea i hana iā ia iho, me kaʻole o kona mau makahiki, hiki iā ia ke unuhi i nā uku makahiki i ukuʻia no ka inikua olakino, ma lalo o kekahi mauʻano. ʻO ka mea hoʻokahi, pono e hoʻokumuʻia ka hoʻokele ma ka inoa o kaʻoihana a - ma ka hapanui o nā hihia - ka inoa o ka mea e lawelawe ana i kaʻoihana.
Hiki ke laweʻia ka'imaʻi ola ola no nā mea kūʻai liʻiliʻi. E heluhelu hou e pili ana i kahi e loaʻa ai ka 'inikua olakino no ka meaʻimi makuahine.
No kaʻike hou
E nānā i ka palapala pūnaewele SSA: "Ināʻoe e hana ponoʻia."
Hiki paha iāʻoe ke nānā i kēia papahana mai ka Administration Administration Small Business: "Hoʻoponopono Hou."