Nzira Yokuderedza Mari Yezvokurapa Sezvokushandisa Bhizimisi Pamutemo Wenyu Simbisa

Tora Kurapa Kwekurapa Nokutevera Mazano Mashomanana Mashomanana

Unokwanisa here kubhadhara mari yezvechiremba pamitero yako sechikamu chemari yako yebhizimisi yemabhizimisi? Iwe unogona kushamiswa kuti zviri nyore sei kuti zviitwe kuburikidza uchishandisa iyo yehutano reimbursement account, inozivikanwawo seHRA, kana kuti chiremba chekubhadhara chiremba. Nhoroondo yacho inofanira kuva chikamu cherongwa hwebasa rebasa.

Kurapa Kwechiremba uye IRS Code Chikamu 105

Pasi Pakati Rezve Refi Code Chikamu 105, bhizinesi rinogona kupa vashandi nheyo dzekubhadhara hutano sekubatsira basa.

Mari yevashandi yemari inobhadharwa inobhadharwa kana kubhadharwa nebhizimisi kusvika pane imwe dollar yemari sechikamu chekubhadhara kwebasa. Iyi kubhadhara kwemari yezvokurapa haisi kuita mari kune mushandi nokuda kwezvinangwa zvemitero, asi inokodzera sebhasiro rebhizimisi rakanaka uye inopa kukonzerwa kukuru kwemitero kumakambani emutemo kana imwe bhizinesi inopa mushandi kubatsirwa.

Zvinodhura zvinokodzera kubhadhara pasi peHRA zvinowanzofanana neavo vanofanirwa pasi peFlexible Spending Account kana FSA.

Zvido zvekuderedza mari yekurapa

Kurapa mari yekurapa kunobva pane zviviri zvinokosha zvinodiwa:

• Mari yekubhadhara yeHRA inofanira kugoverwa chete nemushandi. Hapana chikamu chemari inogona kuderedzwa kubva pamubhadharo wemushandi.
• Zvikomborero zvinogona kugoverwa bedzi nokuda kwezvakawedzerwa zvekurapa mari. Kana mari isingabatanidzwi pamitambo yakagara yakagamuchirwa yekushandiswa kwemari, yakadai sezvikwereti zvezvechiremba kana nezvemishonga yemishonga yemishonga inorayirirwa, zvakanyorwa zvakanyorwa nachiremba anoratidza chiremba chinodiwa chechimwe chinhu chinogona kudiwa.

Kurapa Kwechiremba uye Maitiro Ebhizimisi

HRAs inotarisana nemiganhu yakasiyana-siyana zvichienderana nebasa renyu rebhizimisi.

• Simba roga roga: Vashandi vari mumitambo yavo havagoni kuumba HRA zvakananga ivo pachavo, asi vanogona kushandisa vakaroorana kwenguva shoma uye vachipa mvumo yakawanda yemudzimai muhutano hweHRA nehutano hwemhuri. Muridzi / gweta anova anovimbwa nemushandi wake / mudzimai wake, uye mari yake yezvokurapa inofukidzirwa kuburikidza neshure rekunze. Mumwe chete anokwanisa kuve achikwanisa kuratidzira kuti mudzimai wake anenge achiita basa rakakodzera kwebhizimisi.

• Kubatana : Vaongorori vanoshanda muhutano vanofanira kutevera mitemo yakafanana sekutengeserana chete kuti vave nemishonga avo ezvokurapa yakavharwa pasi peHRA. Kana vakaroorana vakaroora, zvisinei, zvakadai semurume nemudzimai akasimba mutemo, havakwanisi kuwana kugoverwa nenzira iyi.
• C-makambani: Makambani emitemo anoshandiswa seC-makambani anokwanisa kupa kuderedzwa kwevashandi vavo, kusanganisira gweta / venzi, pasina kuwedzera danho rekushandisa avo vakaroorana.
• S-Corporations: Makambani aya anonyanya kukosha, uye mitemo inokosha inoshandiswa kumabhadharo akabhadharwa kune mushandi ane zvikwereti zvinopfuura 2 muzana zvekambani. Vashandi vasiri vashandi vanogona kupinda muurongwa pasina chero dambudziko, zvisinei.
• Kakawanda Liability Companies: Mitemo ye LLCs inoshandisa nzira iyo mitero yakasarudzwa nekambani. Dzimwe LLC dzakarongerwa sehurumende chete, dzimwe sangano, uye dzimwezve dzinoshanda semakambani. Tarisa newadhianiti yako kana iwe usingazivikanwi kuti ndeupi mutero wechikwereti chako chakasarudzwa.

Tanga Kurapa Mashandiro Emishonga

Kutanga HRA kunosanganisira zvakawanda zvepa pepa uye rekuchengetedza zvinyorwa kana iwe uchizviita iwe pachako. Makambani akawanda anoshandisa vatatu vatungamiri vehurumende, vakadai seTASC, kuti vagadzire mapurogiramu avo pamari shoma.

TASC haisi yega kunze kwekambani inopa iyo basa, asi ndiyo yatakasarudza kuti tive yakasimba, uye yakashanda zvakanaka kwazvo.