Abasebenzi abaninzi bayazibuza ukuba yintoni 'iFICA' emele yona xa kuvavanywa ukuhlawulwa kwabo. Oonobumba abane abancinci bahlala benefuthe elikhulu kubungakanani bokubhatalwa. I-FICA, emele 'Umthetho we-Inshurensi ye-Inshurensi,' yirhafu eyenziwe ngurhulumente womanyano ukuxhasa ukukhubazeka kunye neenkqubo zomhlala-phantsi.
Inkcazo ye 'FICA'
I-FICA imele 'i-Federal Insurance Contribution Act.' Isihloko esisemthethweni sihlala sifutshane, ngakumbi ekuhlawuleni kunye namanye amaxwebhu erhafu, kwi-FICA.
Amanqaku afanelekileyo- Yintoni iRhafu yokuBamba yeFICA?
- Ukuqonda iBhanki yeRhafu yeNgeniso
- Kuchazwa iRhafu yeZipho
I-FICA yasekwa ngurhulumente womanyano ngothotho lweerhafu ezenziweyo ukuxhasa Ulawulo loKhuseleko loLuntu (SSA) yaqala ngee-1930s. Igama elisemthethweni 'FICA' alizange lenziwe kude kube ngo-1939 Inkonzo yangaphakathi yeNgeniso (IRS) iqokelela ezi mali. I-SSA, nangona kunjalo, inegunya lokuyihlawula.
Iimfuno zeFICA
Urhulumente wobumbano ufuna ukuba bonke abantu abaqeshiweyo eMelika bahlawule irhafu ye-FICA, nokuba bayazisebenzela, basebenza ngokuzimeleyo okanye bangakanani imali abayifumanayo ngonyaka. Abantu abazimeleyo nabazimeleyo bayacelwa ukuba babale kwaye bathumele uxanduva lwabo lwerhafu kwi-IRS ubuncinci kwikota nganye. Abaqeshi kulindeleke ukuba bayikhuphe irhafu kwintlawulo yomqeshwa; yiyo loo nto ukuvela kwe 'FICA' kwintlawulo yomvuzo. Ukusilela ukuhlawula i-FICA kunokubangela isohlwayo okanye ukwaliwa kokukhubazeka okanye izibonelelo zomhlala-phantsi.
Urhulumente wobumbano ufuna abaqeshi ukuba benze igalelo kwiirhafu ze-FICA kumntu ngamnye abamqeshileyo. Ngokwesiqhelo, ityala lilonke lerhafu lahlulwe ngokulinganayo phakathi komqeshi nomqeshwa, oko kuthetha ukuba ngamnye uhlawula imali elinganayo. Ngenxa yoku, i-FICA ngamanye amaxesha ibizwa ngokuba yinkqubo 'yegalelo' kunerhafu. Abaqeshi abangaphumeleliyo ukuthobela le mfuno basenokuhlawuliswa ngenxa yeentlawulo ezingagqitywanga kunye nezohlwayo. Abantu abazimeleyo nabazimeleyo banoxanduva kuyo yonke imali.
Inani leerhafu zeFICA
Inani leerhafu ze-FICA eziqokelelwe lutshintsho lwe-IRS minyaka le kwi-akhawunti yokunyuka kwamaxabiso, kunye neemfuno zearhente. Ngo-2011, i-IRS yarhafiswa i-12.4 yengeniso epheleleyo. Ukuba yahlulwe ngokulinganayo, umqeshi nomqeshwa ngamnye bahlawula iipesenti ezi-6.2. Esi sixa sihlala sahlulwa kwinyanga ezintathu kwikota nganye, sikhokelela kwipesenti ezi-2 zomvuzo wenyanga womqeshwa obanjiweyo kwi-FICA. Abasebenzi abazimeleyo kunye nabazimeleyo bahlawula yonke i-12.4.
Izizathu zeFICA
I-FICA isetyenziswa yi-SSA ukuxhasa ngemali ukhuseleko lwayo lwezeNtlalontle (i-SSD) kunye neenkqubo zengeniso yomhlala-phantsi yoKhuseleko lweNtlalo (SSI). Ukufumana nokuba loluphi uhlobo lwesibonelelo, umrhafi kufuneka ahlawule kwinkqubo.
Umgaqo we-arhente ngokubanzi kukuba umntu kufuneka abe nenani elithile 'lekhredithi zomsebenzi' ukuze abe nelungelo lokufumana izibonelelo ze-SSD okanye ze-SSI. Eli gama libhekisa ekubeni zingaphi iikota zonyaka umntu abesebenza kwaye ahlawule ubuncinci beerandi ezingama-700 kwinkqubo. Ukusukela ngo-2011, i-SSA ifuna ukuba abantu abaneminyaka engama-31 nangaphezulu babe neekhredithi ezingama-20 ubuncinci. Ngaphandle kwenzelwe abantu abakhubazeke kakhulu abafuna izibonelelo zokukhubazeka abaneminyaka engaphantsi kwama-21 okanye abantu abakhubazekileyo ukususela ekuzalweni.
Umntu okanye umqeshi unoxanduva lokunika ingxelo ngengqesho kunye neerhafu ezihlawulwe kwi-SSA kwikota nganye. Ukusilela ekufezekiseni inani elifunekayo lamakhredithi omsebenzi kuthetha ukuba umfaki sicelo we-SSD okanye i-SSI ubeka umngcipheko wokuba isicelo sakho seenzuzo sikhatywe.
Intlawulo yakho kunye neFICA
Ngaphandle kokucaphukisa ukuba isabelo semali oyirholileyo sisuswe ukuze uhlawule irhafu ye-FICA, yenzelwe ukuba uzilungele. Ukuhlawula i-FICA kuthetha ukuba ulawula imali-mboleko kunye nomhlala-phantsi.
