Ka mea eʻike ai e pili ana i ka hanaʻana i ka loaʻaʻana o nā kōkua hoʻopiʻi
ʻAʻoleʻike ka loaʻa kālā i nā palena kālā makahiki; ʻo ka loaʻa kālā wale nō i heluʻia ka loaʻa kālā - ke kālā āu e loaʻa ai ma ka hanaʻana, no kekahi, a ma keʻano he kanaka hana iā ia iho.
Ehia na dala e hiki iaʻu ke loaa?
I ka 2018,ʻo ka uku kālā makahiki he $ 17,040. ʻO ia i ka 2018 hiki iāʻoe ke loaʻa i $ 17,040 a hoʻomau i ka loaʻaʻana o kāu mau palekana Social Security. He piʻi kēia mai ka palena 2017 o $ 16,920.
Inā loaʻa iāʻoe he $ 17,040, aia kekahi mau rula e hoʻoholo ai i ka nui o nā pōmaikaʻi Social Security. Loaʻa i 3 mau lula e pili ana i nā palena pili, e like me ka loaʻaʻana o kāu kālā ma mua, i ka manawa, aiʻole ma hope o ka makahiki, hiki i kou makahiki piha piha. E hoʻopiliʻia kēlā me kēia koho.
1. Loaʻa ka waiwai ma mua o ka makahiki i loaʻa iāʻoe ka pihaʻana i nā makahiki piha
Ināʻoe e hōʻiliʻili i nā pono o ka mālama ola, a loaʻa iāʻoe ma mua o ka palena o nā makahiki makahiki, mālama ka Social Security i $ 1 o Social Security no kēlā me kēia $ 2 ma mua o ka palena. Ouch! He hapa nui kēia.
E pili ana kēia hoʻonui i kēlā me kēia makahiki ma mua o kou hikiʻana i ka makahiki piha piha, akā, pili wale nō ia i nā kālā i loaʻa ma hope o kou hoʻomakaʻana e hōʻiliʻili i nā pōmaikaʻi Social Security.
No laila, inā e hanaʻoe i ka makahiki hoʻokahi,ʻo ka waiwai āu i loaʻa ai ma mua o ka mahina e hoʻomaka aiʻoe e hōʻiliʻili i nā pōmaikaʻi mālama olaʻaʻole e helu i nā palena kālā makahiki.
Nānā: I kekahi manawa, hoʻohana nā pūnaewele pūnaewele i ka hua'ōlelo "hoʻomaha makahiki maʻamau". ʻO ia ka mea like me ka makahiki piha piha (FRA).
2. Loaʻa ka waiwai ma ka makahiki āu eʻimi ai i ka FRA
I ka makahiki e hiki aiʻoe i FRA, a hiki i ka mahina e hiki aiʻoe i FRA, mālama ka Social Security i $ 1 no kēlā me kēia $ 3 āu e loaʻa ai ma luna o ka palena kālā makahiki, akā, e pili ana nā palena kālā'ē aʻe i ka makahiki āu e hiki ai i FRA.
I ka 2018, hiki iāʻoe ke loaʻa i $ 45,360, he $ 480 ka hoʻonuiʻana mai 2017, i ka makahiki e hiki aiʻoe i FRA. I kēia makahikiʻo ka mālama ola Social wale nō nā kālā i loaʻa iāʻoe ma mua o ka mahina āu e hiki ai iā FRA.
Hoaʻana 1: E manaʻo mākou ua hānauʻiaʻoe i ka makahiki 1951,ʻo ia hoʻi ka 66 makahiki o kou FRA. Hoʻohuliʻoe i 66 i ka mahinaʻo Iune 2018 a hoʻomakaʻoe i nā palekana Social Security i kēlā manawa, akā, hoʻomauʻoe e hana a hiki i ka hopena o ka makahiki, a loaʻa $ 44,000 no ka makahiki. ʻAʻole e ho'ēmiʻia kou mau pōmaikaʻi no ka loaʻaʻana iāʻoe he $ 45,360 no ka makahiki.
Hiki i nā pūnaewele Social Security ke hāʻawi i kekahi mau hiʻohiʻona o ka hopena o kēia unuhiʻana. Hiki iāʻoe ke hoʻohana i ka helu helu hōʻailona kālā, a hoʻokuʻu i kāu lā hānau a me nā uku i manaʻoʻia eʻike ai inā e manaʻoʻoe e pili ana ka hoʻohaʻahaʻa iāʻoe.
3. Loaʻa ka waiwai ma hope o kou komoʻana i ka FRA
Ke hiki akuʻoe i ka FRA,ʻaʻoleʻoe e mālama i nā palena makahiki makahiki; hiki iāʻoe ke loaʻa ka like me kou makemake me kaʻole e hoʻonui i kāu mau pale palekana Social !
Akā, hiki i kou mau pipi ke hoʻomalu i nāʻauhau kālā.
ʻO ka maikaʻi loa eʻae i ka palena waiwai
ʻO ke ala maikaʻi loa e pale aku ai i ka palena kālā e kali ā hiki i ka FRA e hoʻomaka ai i kāu mau pōmaikaʻi. ʻIke maopopo,ʻaʻole i koho kekahi poʻe a pono e hoʻomaka i nā kōkua no ka mea ua haʻaleleʻia lākou aʻaʻohe o lākou kālā a me nā waiwai'ē aʻe. Inā hiki kēia iāʻoe, akā ma hope iho a hoʻololiʻia kāuʻano a hoʻiʻoe i ka hana, hiki iāʻoe ke hoʻopau i kāu noi no ka Social Security i loko o 12 mau mahina mai ka hoʻomakaʻana i nā pono.
Akā, he koho ka poʻe'ē aʻe; hiki paha iā lākou ke hoʻohana i kekahi o kā lākou kālā mālama kālā a hoʻolimalima paha e hiki ai iā lākou a hiki i ka FRA. He koho maikaʻi aʻe paha kēia ma mua o ka hoʻomakaʻana i ka Social Security wawe.
He aha ke kālā e like me nā waiwai?
ʻO ka loaʻaʻole o ka loaʻa kālāʻole e heluʻia ma ka loaʻaʻana o nā uku i loaʻa ma luna.
Inā loaʻa kāu uku, loaʻa ke kālā i ka loaʻaʻana o ka uku,ʻaʻole i ka wā e ukuʻia ai. Ua hāʻawi aku ka IRS i nāʻike hou aku i ka mea a me ka manaʻoʻole i loaʻa kālā.
Hoʻokumuʻia ka palena'āina waiwai i ka hoʻonui
E hoʻolālāʻia nā palena kālā i kēlā me kēia makahiki ma muli o keʻano o ka hoʻonuiʻana i ka helu kumukūʻai. Ma ka papa ma lalo neiʻikeʻoe i ka palena o ka makahiki i hala. I nā makahiki kahi i hoʻololiʻoleʻia ai ka hoʻonuiʻana he haʻahaʻa a heʻole paha.
| Makahiki | Pākuʻi ($) |
| 2018 | 17,040 |
| 2017 | 16,920 |
| 2016 | 15,720 |
| 2015 | 15,720 |
| 2014 | 15,480 |
| 2013 | 15,120 |
| 2012 | 14,640 |
| 2011 | 14,160 |
| 2010 | 14,160 |
| 2009 | 13,560 |