Ungakwazi (Ekugcineni) Ukubuyiselwa Ngemikhiqizo Yesikhathi, Ngenxa Yomthetho Wokusiza weCoronavirus

-Delile

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Akukona elula ukunaka imikhiqizo yokuya esikhathini njengesidingo sezokwelapha. Ekugcineni, baphathwa kanjalo ngaphansi kwemihlahlandlela ye-HSA ne-FSA yenhlangano. Ngenxa yephakethe elisha lokusebenzisa imali nge-coronavirus e-U.S., imikhiqizo yokuya esikhathini manje isiwukuthenga okufanelekile kuhlobo ngalunye lwe-akhawunti yokonga.

Lolu shintsho luyingxenye yoMthetho weCoronavirus Aid, Relief, and Economic Security (CARES) Act, uMongameli uDonald Trump awusayina waba umthetho ngoMashi 27. Wengeza izichibiyelo emithethweni mayelana nokuthi yiziphi izindleko ezigunyazwe ama-akhawunti okonga ezempilo (HSA) kanye nokusetshenziswa kwemali okuvumelana nezimo. ukusetshenziswa kwezinhlelo (FSA). Abantu manje sebezokwazi ukusebenzisa imali kunoma yiluphi uhlobo lwama-akhawunti ukuthenga imikhiqizo yokuya esikhathini. Lo mthethosivivinywa uchaza umkhiqizo wokuya esikhathini ngokuthi "itamponi, iphedi, ilayili, inkomishi, isipanji, noma umkhiqizo ofanayo osetshenziswa ngabantu maqondana nokuya esikhathini noma eminye imfihlo yezitho zobulili." Umthetho we-CARES futhi wenza ukuthi imishanguzo engeyona kadokotela ifaneleke, ngakho-ke uzokwazi ukusebenzisa imali ye-HSA / FSA ekwelashweni kwe-OTC kwezimpawu zesikhathi, futhi. (Okuhlobene: Abasunguli Bama-Saalt Cups Wokuya Esikhathini Bazokukhathaza Ngokunakekelwa Kwesikhathi Esisimeme, Esitholakalayo

Ngakho-ke, ungayisebenzisa kanjani ngokunenzuzo? Uma une-akhawunti ye-FSA noma ye-HSA, ungasebenzisa ikhadi ledebithi elixhunywe ku-akhawunti yakho (noma uhambise amarisidi ukuze uthole imbuyiselo ngemva kwalokho, kuye ngohlelo lwakho) lapho wenza isitokwe. Ukuvuselela: I-HSA i-akhawunti yokonga ngaphambi kwentela ongayivula ngephakheji lezinzuzo zomqashi wakho noma ngomthengisi noma ibhange. Ungasebenzisa imali evela ku-akhawunti ukuze ukhokhele izindleko ezihlobene nezempilo ezifanelekayo njengamakhophi nemiyalelo (futhi manje, ngenxa yoMthetho we-CARES, imikhiqizo yokuya esikhathini). Ama-FSAs ayafana, kepha imali ayidluli unyaka nonyaka futhi kufanele isethwe ngephakheji yezinzuzo zabasebenzi. (Okuhlobene: Izindlela zokuthatha ezi-5 ezibalulekile ezivela ku-Oscar-Winning Film "Period. End of Sentence.")

Lezi yizindaba ezinhle kunoma ngubani onanoma yiluphi uhlobo lwe-akhawunti yokonga. Kepha uma kukhulunywa ngentela yokuthengisa, izifundazwe ezingama-30 zisaqoqa okubizwa nge- "tampon tax" kwimikhiqizo yokuya esikhathini. IWashington ibe yisifunda sakamuva sokuqeda intela yokuthengisa emikhiqizweni yokuya esikhathini lapho umbusi uJay Inslee esayina umthethosivivinywa omusha ekuqaleni kuka-Ephreli. Amaqembu afana nePeriod Equity kanye ne-PERIOD abelwela ukuthi kuqedwe intela ye-tampon kuzo zonke izifundazwe ezingu-50, ngombono wokuthi imikhiqizo yokuya esikhathini iyisidingo hhayi ukunethezeka. (Bheka: Kungani Wonke Umuntu Ekhathazeke Kangaka Ngezikhathi Njengamanje?)

Kungakhathaliseki ukuthi isimo sakho simi kuphi entela yesikhathi kuleli phuzu, sisangaphansi koMthetho we-CARES. Uma une-FSA noma i-HSA, lokhu kuyinzuzo eyodwa oyofuna ukuyisebenzisa, ngoba izindleko zokuthola isikhathi zengeza ngokuhamba kwesikhathi.

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