Ngaba iRhafu ye-Inshurensi iyatsalwa?

IFom yeRhafu

Ukuhlawulwa kweentlobo ezininzi ze-inshurensi kuncitshisiwe. Nangona kunjalo, kubahlawuli berhafu ngabanye, iintlawulo ze-inshurensi ye-inshurensi iyatsalwa kuphela ukuba bayayitsala into, ikakhulu kwi IShedyuli A yeFom 1040 . Abantu abazimeleyo kunye neekhontraktha ezizimeleyo nazo zibanga oku kuncitshiswa kwiShedyuli A. ifom ekufuneka yenziwe ngamanye amashishini kuba oku kuncitshiswa kwahlukile kuxhomekeke kuhlobo lwayo.



Intlawulo yeNtlawulo yeinshurensi yoBomi

Ngokubanzi, abantu abavumelekanga ukuba bathabathe indleko zepremiyamu yeinshurensi yobomi. Ngaphandle kwalo mgaqo kukuba kufuneka ufumane ipolisi ukuze uzuze iqabane lakho langaphambili. Kule meko, unako tsala iipremiyamu ze-inshurensi njengohlobo lwesondlo .



Amanqaku afanelekileyo
  • Imithetho yeRhafu ye-Inshurensi yoBomi
  • Irhafu yeNgeniso ye-Federal kwi-Inshurensi yezeMpilo
  • Ikhefu yokuTsala irhafu yobambiso

Umnini-shishini unokutsala iipremiyamu zeinshurensi yobomi ezigubungela bona okanye abaqeshwa bakhe, ukuba abaxhamli kulo mgaqo-nkqubo. Ukongeza, abanini bamashishini abahlawulela i-inshurensi yobomi yexesha kubasebenzi babo banokufumana ukukhutshwa kwii-premiums ezingama-50 000 zeedola abazihlawulela ukugubungela. Nayiphi na imali engaphezulu kokukhutshelwa ngaphandle kufuneka ibandakanywe njengengeniso.





IiNtlawulo ze-Inshurensi yokuKhubazeka

Ngoku ka Ukupapashwa kwe-IRS 529 , iintlawulo ze-inshurensi yokukhubazeka ezihlawulwa ngabantu azinqunyulwa.

ukuba uzothini kwintetho yomngcwabo

Ngokufanayo, njengoko kuchaziwe kwi Ukupapashwa kwe-IRS 535 Abanini bamashishini abanakho ukuhlawula iindleko zepremiyamu yomgaqo-nkqubo wokukhubazeka eyilelwe ukuhlawula ilahleko yomvuzo. Nangona kunjalo, abanini beshishini banokuthabatha iindleko zeepremiyamu zeinshurensi eyilelwe ukugubungela ngaphezulu kweendleko zeshishini xa bekhubazekile. Ke ngoko, nokuba oku kuncitshiswa kuyafumaneka kubanini bamashishini kuxhomekeke kwinjongo yomgaqo-nkqubo.



Iindleko ze-Inshurensi yezeMpilo kunye neNtlawulo

Nokuba i-inshurensi yakho yezempilo ibonelelwa ngumqeshi ukuba uyazihlawulela ngokwakho, ungazithathela iindleko zeentlawulo ze-inshurensi yezempilo.

Ukongeza kwintlawulo zepremiyamu, ezixoxwe ngezantsi, ungazitsala iindleko zokufumana ukhathalelo lonyango oluwele emagxeni akho, nokuba unayo i-inshurensi yezempilo. Ukuba unayo i-inshurensi, unokutsala kuphela isahlulo osibhatalele unyango. Umxholo werhafu i-IRS Umxholo 502 ucacisa ukuba ezi zibandakanya imirhumo ehlawulwa koogqirha okanye abanye ababoneleli, intlawulo yesibhedlele sangaphakathi okanye ukhathalelo lwe-hospice, kunye neentlawulo zothutho ukuya nokubuya kubanikezeli bonyango okanye kumaziko.



Izicwangciso ze-Inshurensi yezeMpilo zihlawulwe kancinane nguMqeshi

Kule meko, ngokwe Isihloko seRhafu ye-IRS 502 , unokutsala isahlulo seentlawulo zepremiyamu ezingagutyungelwanga ngumqeshi wakho. Umzekelo, ukuba intlawulo yakho yeinshurensi ixabisa i $ 400 ngenyanga kwaye umqeshi wakho uhlawula i $ 200 yezo ndleko, ungathabatha i-200 yeedola ngenyanga oyihlawulela i-inshurensi. Ukuba uhlawule umgaqo-nkqubo unyaka wonke, unokutsala i-2,400 yeedola (12 x 200).



Nangona kunjalo, ngaphandle kwalo mthetho kukuba iintlawulo zakho zenziwe phantsi komgaqo-nkqubo wokuguqula ipremiyamu. 'Umgaqo-nkqubo wokuguqulwa kwepremiyamu' yenye apho iipremiyamu ze-inshurensi zihlawulwa kusetyenziswa irhafu yangaphambi kwerhafu.

ixabisa malini itikiti lokubalekisa

Izicwangciso ze-Inshurensi yezeMpilo ezihlawulwa ngabantu abazisebenzelayo

Ukuba uziqeshile ungasusa isixa esipheleleyo sentlawulo ye-inshurensi yempilo eyenzelwe wena nokhathalelo lwempilo yosapho lwakho. Unokuthatha kuphela oku kuncitshiswa ukuba unenzuzo ngetyala lokuzisebenzela.

Nangona kunjalo, awungekhe uthathe oku kuncitshiswa ukuba unelungelo lokuthatha inxaxheba kuso nasiphi na isicwangciso esixhaswe ngumqeshi, njengaleso sinikezelwa ngumqeshi weqabane lakho. Oku kusebenza kwinxalenye yexesha apho ubusifanele isicwangciso. Umzekelo, ukuba ubulungele ukujoyina isicwangciso esixhaswe ngumqeshi iinyanga ezintandathu ngaphandle konyaka, unokuthabatha kuphela iinyanga ezintandathu zeentlawulo zepremiyamu ozenzileyo xa ungafanelekanga.

Iimali-ntlawulo ze-Inshurensi yexesha elide

Isihloko seRhafu ye-IRS 502 sichaza ukuba iindleko zonyango ezinokutsalwa zibandakanya iintlawulo zepremiyamu ezenzelwe umgaqo-nkqubo weinshurensi yeendleko zokhathalelo lwexesha elide. Olu khetho lufumaneka kubantu abaziqeshileyo kwaye bahlawulela umgaqo-nkqubo xa bebonke okanye abanesicwangciso esixhaswe ngumqeshi apho umqeshi ahlawula khona isixa sepremiyamu.

Ngokufana ne-inshurensi yezempilo yemveli, awunakutsala isahlulo somgaqo-nkqubo wokhathalelo lwexesha elide ohlawulwa ngumqeshi wakho. Ukongeza, iipremiyamu zeinshurensi yokhathalelo lwexesha elide ezihlawulelwe phantsi komgaqo-nkqubo wokuguqulwa kwepremiyamu azitsalwa.

ukucoca njani indawo yokuhamba

Iipremiyamu ze-Inshurensi yobambiso

Abanini bamakhaya banokutsala iindleko zepremiyamu ye-inshurensi yempahla ebambekayo kwindawo abahlala kuyo. Iipremiyamu kufuneka zihambelane nokufumana kwakho imali ekhayeni lakho. Imizekelo yetyala ibandakanya ukubambisa, ukwakha, okanye ukuthenga indlu efanelekileyo. Ngaphandle kwalomgaqo yinshurensi yobambiso ebonelelwe yiNkonzo yezeZindlu zasemaPhandleni okanye iSebe leMicimbi yamaGqala.

Kukho i- $ 1 yezigidi zeedola ubuninzi kwizibini ezitshatileyo ezifayilanayo ngokudibeneyo okanye umda wama- $ 500,000 kwizibini ezitshatileyo ezigcwalisa ngokwahlukeneyo kolu hlobo lwetyala. Ukongeza, ukuba isibini esitshatileyo esigcina ngokudibeneyo sifumana ngaphezulu kwe- $ 100,000 okanye umntu omnye ngaphezulu kwe- $ 50,000, isixa sokuncitshiswa sinokuncitshiswa.

Abanini bamashishini abanakutsala iindleko zeentlawulo zeinshurensi ezenziwe ukukhusela naluphi na uhlobo lwemali mboleko.

indlela yokuxelela ukuba i-rolex yinyani

Iintlawulo zanyanga-mali ze-inshurensi

Iintlawulo ze-inshurensi yabanini bamakhaya, ezinje ngezo zikhusela umninikhaya ekulahlekelweni okanye ekubiweni kwenxalenye okanye onke amakhaya abo, azixhuzulwa. Ukongeza, ngokwe Ukupapashwa kwe-IRS 530 , iipremiyamu ezihlawulwe nge-inshorensi yomlilo azitsalwa.

IiNtlawulo zenyanga ze-Inshurensi yoKhuseleko loShishino

Abanini bamashishini banokunciphisa iindleko zomlilo, ubusela, ingozi, kunye neinshurensi yesiphepho ekhusela ishishini labo, urhwebo, okanye indawo yeshishini. Ngoku ka Ukupapashwa kwe-IRS 587 Umntu oziqeshileyo unokukwazi ukuthatha inani leinshurensi yabanini bamakhaya egubungela iofisi yasekhaya.

Iipremiyamu ze-Inshurensi yeeMoto

Ngokubanzi, abantu ngabanye abanakho ukuhlawula iindleko zepremiyamu yeinshurensi yemoto. Ukwahluka kwabantu abasebenzisa isithuthi sabo ngokuyinxalenye zobuqu kwaye ngokuyinxenye kushishino banokuthabatha inxenye yeepremiyamu zabo zeinshurensi ezifanelekileyo kusetyenziso lweshishini. Nangona kunjalo, ukuba usebenzisa iqondo eliqhelekileyo le-mileage ukumisela ukuncitshiswa kweshishini kwisithuthi sakho, awunakutsala iipremiyamu zeinshurensi.

Ukupapashwa kwe-IRS 535 ithi abanini bamashishini banokutsala iipremiyamu zeinshurensi yeemoto kunye nezinye izithuthi ezisetyenziswa kwishishini.

Ukuncitshiswa kweeNtlawulo ze-Inshurensi yakho

I-IRS ivumela ukuncitshiswa kweentlobo ezithile zentlawulo zeinshurensi. Ukuphanda ngemithetho neemfuno zokucutha ezo ntlawulo kunokukunceda ekunciphiseni isixa somvuzo wakho. Ngolwazi oluthe kratya, thetha nengcali yerhafu.