401 (k) fuafuaga, Fuafuaga Puipuiga 125 (e leai se mea e aofia ai ma le 'ai i le galuega!), O inisiua vaega vaega, e tatau lava ona malamalama lelei i aso malolo ina ia mafai ai ona e galue lelei, ma o loʻo taoto ai le faafitauli.
O nei faʻamanuiaga manuia e mafai ona faʻalavelave ma fenumiai, ma e le o faʻamalamalamaina i taimi uma e tagata e ana galuega a latou mea lelei ina ia mafai ai e le tagata lautele ona faia filifiliga sili mo o latou tulaga patino.
Sei o tatou faʻaleagaina faʻamanuiaga tau galuega, e amata ile fesuiaiga o fuafuaga faʻaalu.
O le a le Tupe Faʻaalu Fesuiaiga?
O se Fetuunaiga Faʻaalu Tupe Faʻaalu (FSA), faʻapitoa foi o se tupe faʻapitoa poʻo se tupe toe faʻaleleia, o se penefiti faʻatupeina e le aufaigaluega lea e mafai ai ona e totogia tupe faʻaalu a le falemaʻi i luga o le lafoga (o loʻo i ai foi tala tutusa mo tupe faʻalagolago ma tausi tamaiti ).
Afai e te faʻamoemoe e faʻaalu tupe alu faʻaletupe ole a le toe totogiina e lau inisiua ole inisiua masani, e tatau ona e faʻaaogaina le FSA o lau kamupanī pe afai e ofoina atu se tasi.
E faʻapefea ona aoga ia te oe se Tupe Faʻaalu Faʻaalu?
O se FSA e teu tupe e ala i le faʻaititia o au tupe maua. O saofaga e te faia i le Tupe Faʻaalu Faʻaalu e toesea mai lau totogi AE LEʻI Faʻasalaina lau Faletupe Tele, Setete, poo Social Security Taxes ma e le lipotia i le IRS.
O le iuga, o le faʻaititia o au tupe maua lafoga ma faʻalautele lau tupe faʻaalu. E mafai ona e faʻasaoina le faitau selau po o le faitau afe o tala i le tausaga.
Faʻafefea ona faʻaaogaina tupe faʻaalu tupe faʻaalu?
I le amataga o le fuafuaga o le tausaga (lea e masani ona amata Ianuari 1), ole fesili ole pule ole ole tupe e te manaʻo e saofaga mo le tausaga (e iai tapulaʻa).
E na o le tasi le avanoa i le tausaga e te lesitala ai seʻi vagana ua i ai sou "suiga i le tulaga o le aiga," e pei o le faaipoipoga, fanau mai, tetea, poʻo le leiloa o le inisiua a se toalua. O le aofai na e filifilia mo le tausaga ua aveeseina mai lau siakiina i totogi tutusa i taimi taʻitasi totogi ma tuʻuina i se teugatupe faapitoa a lau kamupanī.
A o faʻapupula mai tupe alu faʻaletupe e leʻo maeʻa atoa lau inisiua, tuʻuina atu se kopi o le Explanation of Benefits poʻo le tusi a le kamupanī ma le faʻamaoniga o le totogiina i le pule o le fuafuaga, o le a tuʻuina atu ia te oe se siaki toe totogi.
O a tupe faʻaalu e mafai ona totogi mo le toe totogiina?
Soo se tupe faʻaalu e manatu o se tupe faʻaalu e le toesea e le Auaunaga Maualuga Maualuga ma e le toe totogiina e ala i lau inisiua e mafai ona toe totogiina mai e ala i le Tupe Faʻaalu Faʻaalu. Faataitaiga e aofia ai:
- Totogifuapauina totogi i fomai, fomaʻi, fomai tipitipi, fomaʻi, fomaʻi, fomaʻi, ma faifeʻau Kerisiano faafesootaʻi mata tioata ma mata tioata
- Totogifuapauina mo auaunaga tau falemaʻi, tautua tausi tausiga tumau umi, faʻalavelave faʻafuaseʻi ma le soifua mālōlōina, ma totogi faʻamaonia mo le umi o tausiga, tausiga tausi maʻi, totogia fale suʻesuʻe, vailaau faʻasaina ma fualaau faasaina, ma insulin.
- Faʻaaogaina o le Acupuncture
- Togafitiga i le falemai mo le ava malosi poo le tagofia o fualaau faasaina
- Polokalame o le faʻaaogaina o le ulaula tapaa ma fualaau faasaina e fesoasoani i le tuumuliina o le nicotine
- Sese sese, mea faʻalogo, tootoo, nofoa faʻataʻavalevale, ma taifau taifau mo tagata tauaso pe tutuli
- Totogifuapauina e sili atu nai lo le faʻasalaga talafeagai ma le aganuʻu faʻatagaina e lau inisiua
- Tau o vasectomies, hysterectomies ma le faʻatagaina o fanau
- Faʻasologa o vailaau e leai ni filifiliga
- Co-totogi i tupe faʻaalu
- Faʻamatalaina
- Faʻailoga
- Faʻasologa o vailaau faʻasaina poʻo le faʻasalaga faʻatasi
E faapefea ona e filifili pe fia le saofaga i lau Tupe Faʻaalu Faʻaalu?
E taua le tuʻuina atu o ni manatu i le fuafuaina o le tele o tupe e saofagā ai mo le tausaga aua afai e te tuʻuina atu tupe sili atu nai lo le mea e te manaʻomia, e ala i le tulafono, e te leiloa. E tolu masina talu ona maeʻa le tausaga faʻaletalena e tuʻuina atu tagi mo tupe faʻaalu na faʻatupulaia i le tausaga talu ai.
Soo se tupe na totoe i lau teugatupe pe a uma le tolu masina o le a faʻaumatia.
Ina ia fuafua le tele o saofaga, fai se lisi o tupe faʻapitoa tau tupe faʻapitoa mo oe ma oe o loʻo faalagolago ia te oe mo le tausaga a sau. Mo se faʻataʻitaʻiga, afai e masani ona sili atu i lou toesea, ia aofia ai le aofaʻi toesea i lau faʻatusatusaga. Ia faʻaeteete ina neʻi e lamatia le faʻaaogaina o soʻo se tupe.
E mafai ona maua polokalama faʻapitoa e fesoasoani ai i le pulea o lau Tupe Faʻasaʻo Faʻaalu?
Ioe. Mo faʻamatalaga, tagaʻi i le tusiga Faʻatonu lau FSA Faʻatasi ma Tupe Faʻapitoa.