Abazali abaqhawule umtshato okanye abohlukaniswe ngokusemthethweni banokuzibuza ukuba ngubani kubo ofanelekileyo ukubanga iikhredithi zerhafu kunye nokuncitshiswa okufumanekayo kokuba nomntwana oxhomekeke kuye. Lo ngumcimbi ongxamisekileyo kwiimeko ezibandakanya ukugcinwa kwabantwana ndawonye. Ngokubanzi, kuphela ngumzali onelungelo lokugcina onokubanga izibonelelo ezikhoyo zerhafu.
Inkcazo yoMzali
Inkqubo ye- Inkonzo yangaphakathi yeNgeniso (IRS) ithathela ingqalelo kuphela umhlawuli werhafu onxulumene noumntwana oxhomekeke kuyengokuzalwa okanye ngokwamkelwa njengomzali ukuba abe ngumzali wabo. Umntu ongadweliswanga kwisiqinisekiso sokuzalwa somntwana akangomzali. Ke ngoko, ukuba azidweliswanga kwincwadi yokuzalwa yomntwana, elinye ilungu lesibini esingatshatanga esinomntwana alinakuthathwa njengomzali. Kule meko, umzali ongadweliswanga akafanelekanga kuzo naziphi na iikhredithi zerhafu ezixhomekeke kuye okanye ukuncitshiswa.
Amanqaku afanelekileyo- Iingcebiso ngeenkcukacha zoqhawulo mtshato
- Umthetho Wezomkhosi kwi-Alimony kunye neNkxaso yaBantwana
- Ukwabiwa ngokulinganayo koqhawulo mtshato
Amaxwebhu Enkundla
Ukuba abazali banalo uxwebhu lwenkundla, olufana nommiselo woqhawulo-mtshato, iiparameter eziqulathiweyo zokubanga umntwana zilawula iintshukumo zabazali. Ke ngoko, inkcazo ye-IRS yokugcinwa kunye neminye imimiselo isebenza kuphela xa kungekho xwebhu lusemthethweni.
Ukugqitywa koGcino
Umzali onelungelo lokubanga umntwana oxhomekekileyo kwimbuyekezo yabo yerhafu ngumzali ogcina ixesha elininzi. I-IRS ichaza 'ukugcinwa' ngokwenani langokuhlwa umntwana alichitha nomzali. Umzali apho ahlala khona ubuninzi bobusuku babo, nokuba umzali ukhona, nguye onelungelo lokugcina umntwana. Ke ngoko, umntwana ochitha i-190 yangokuhlwa kwindlu kanina kwaye i-175 noyise baya kugcinwa ngunina.
Imihla ebalwe malunga nokuhlala iqala ngomhla wokwahlukana ngokusemthethweni okanye uqhawulo-mtshato. Umzekelo, abazali abaqhawule umtshato nge-1 ka-Novemba baya kuthathela ingqalelo kuphela ixesha leenyanga ezimbini apho baqhawula umtshato ngokusemthethweni ukumisela ukuba ngubani kubo onelungelo lokugcina umntwana.
Umntwana ongekhoyo, umzekelo ngenxa yokulala endlwini yomhlobo wakhe okanye engekho enkampini, uthathwa ngokuba uhlala nomzali oya kubamkela ngobo busuku. Kubazali abasebenza ngokuhlwa, i-IRS imisela ukugcinwa ngenani leentsuku umntwana azichitha nomzali.
Umgaqo wohlukile kubazali ababelana ngexesha ngokulinganayo, njengomama oneentsuku ezili-183 kunye notata iintsuku ezili-182. Kule meko, umzali wokugcina ngoyena unomvuzo opheleleyo ohlengahlengisiweyo.
Amalungelo oMzali oGcinayo
Umzali ogcina umntwana angafaka isicelo sokuxolelwa,ityala lerhafu yomntwana, ikhredithi yokhathalelo oluxhomekeke kuwe, umvuzo wekhredithi yengeniso kwaye uludwe ngokwabo njengentloko yekhaya kwirhafu yabo. Iikhredithi ezikhoyo kunye nokuncitshiswa akunakwahlulwa phakathi kwabazali. Nangona kunjalo, abazali banokutshintsha ilungelo lokubanga umntwana kunye naziphi na iikhredithi ezikhoyo okanye ukuncitshiswa.
Amalungelo oMzali ongaXhasi
Ngokwesiqhelo, umzali ongamgcinanga umntwana akanakho ukubanga umntwana okanye naziphi na iikhredithi zerhafu ezixhomekeke kuye okanye ukuncitshiswa. Ngaphandle kwalo mgaqo kuxa umzali ogcina umntwana evuma ukuvumela umzali ogcina umntwana ukuba awabange okanye xa benelungelo lokwenza oko ngokwencwadi yenkundla, efana noqhawulo mtshato okanye umthetho wokwahlukana.
Ukuze umzali ongamgcinanga umntwana afune ibango lomntwana, kufuneka enze ifayile Ifom 8332 , ukubizwa kwabo 'ukukhululwa / ukurhoxiswa kokukhutshwa kwebango kukhululo lwabantwana ngumzali wabazali.' Le fomu ixelela i-IRS ukuba umzali ogcina umntwana uvumela umzali ongagcinanga ukuba afune umntwana. Abazali abaqhawule umtshato phakathi kuka-1984 no-2009 bangatshintsha ikopi yesigqibo sabo soqhawulo-mtshato kule fomu. Ukwenza njalo, kufuneka banikeze iikopi zekhasi lokuqala lommiselo kunye nephepha labathunywa ilungelo kumzali ongagciniyo ukugcina kunye nephepha lokutyikitya.
Ukubanga Umntwana Wakho Oxhomekeke Kuwe
Ukuba ixesha elichithwa ngumntwana ekhayeni lakho likunika ilungelo lokumbanga kwirhafu yakho, ungenza njalo ngaphandle kokufaka amanye amaxwebhu. Khumbula, nangona kunjalo, ukuba kufuneka ubange zonke iikhredithi ezikhoyo kwaye awukwazi ukwahlulahlula kwiqabane lakho langaphambili. Ukuba awuqinisekanga malunga nokuba unelungelo lokugcina umntwana, funa ingcebiso kwiingcali.
