Mutemo Wemudzimai Wakakodzera (QDRO) unogona kuchengetedza kodzero dzako
Kana uri kuronga kuve nekuparadzana kana kurambana nemumwe wako ane chirongwa chekushandira mari chinoshandiswa semujeri chakadai se 401 (k) kana chirongwa chepenjeni , iwe unobvumirwa zviri pamutemo kuti uite chikamu chemari yekufungidzira kuti hauna prenuptial chibvumirano chinotaura zvimwe. Inoshandawo kune imwe nzira yakapoteredza: wako wako ane kodzero yepamutemo yekubvisa chikamu chekushandisa mari yako yekubhadhara mari inofanira kubhadhara iwe. Asi kana wawakaroorana naye ndiye ndiye anonyatsogadzirisa, iwe unodzivirira sei chikamu chako chekambani yekubvisa mari? Ndezvipi zvinogadzirisa wawakaroorana naye kubhadhara zvikomborero kune wawakaroorana naye kana wawakaroorana naye, achikusiya nechinguva kana kuti kwete? Mhinduro yacho inowanzove yakakodzera Domestic Relations Order.
Vakakodzera Domestic Relations Order (QDRO)
Imba Yakakodzera Dzimba Relations Relations (inozivikanwawo seQDRO, inonzi "quad row") inogona kuchengetedza zvido zvako pasi pemamiriro ezvinhu aya. QDRO inorayira mutemo, kutonga, kana mutemo unobatana nekutsigirwa kwemwana , alimony, kana kodzero dzemiti inogonawo kurayira hurongwa hwepenjeni yako yekubhadhara iwe mugove wako wezvirongwa zvepurogiramu.
QDRO inokuchengetedza uye inovimbisa kuti chibvumirano chekugadzirisa mararamiro hachisi kuburikidza nekubvumira mari iri muchirongwa chokubvisa basa kuti iparadzaniswe uye inotorwa pasina kupiwa mhosva uye iyo inopihwa kumunhu asiri mushandi wekubvisa mari yomudzimai (kazhinji iRA) kana kutora zvimwe kuripa.
Usafunga kuti kodzero dzako dzekugara mubhadharo dzakaputirwa chete nokuti iwe wekutora mutemo unoti iwe une kodzero yekuwana chikamu chemari yako yekusimwa kwemumwe wako.
Asi zvakakosha kucherechedza kuti QDRO inoshanda chete kune zvirongwa izvo zvinonzi IRS mutero-zvakafanirwa uye zvakafukidzirwa neHarare Employee Retirement Income Security Act (zvichizivikanwa seE ERISA). Hazvirevi kumapurisa ehurumende kana hurumende, ayo anotungamirirwa nemimwe mitemo. Iwe haufaniri QDRO kugovera IRA kana SEP assets.
Kubvunza Attorney kana Nyanzvi
Dare Rekugadzirisa Dzimba Dzepasi Pose harifaniri kuonekwa Rinofanirwa kunze kwekuti rakagamuchirwa neurongwa hwekubvisa basa rePuraneti Mutongi uye nedare. Zvirongwa zvekushandira mari zvinowanzove nemafomu emuQDRO ose ayo gweta rako rinogona kushandisa kuti rinyora mashoko eQDRO. Dzimwe nguva izvi zvakakwanira, asi kana chikamu chako chemari yekubvisa mari yako ichikosha, unofanira kufunga kushandisa gweta anonyanya kugadzirisa muQDRO kuti ave nechokwadi chokuti nyaya dzose dzakabatana mumutemo wako wekugadzirisa marariya zvinowanikwa muQDRO uye kuti kodzero dzako yakachengetedzwa zvakakwana nenzira iyo QDRO inogadzirwa isingagoni kupa.
Kana gweta rako risina ruzivo rweMQRRO ruchamutora nguva yakareba kuti aite tsvakurudzo uye mapepa, izvo zvinokubhadhara iwe zvakanyanya mumatare emutemo.
Panewo mukana wekuti iye anogona kukanganisa chimwe chinhu chinokosha chinogona kuguma kukudhura mari.
Chimwe chinhu mukunyorerwa kweQDRO ndiyo chirongwa chokubvisa basa mubvunzo. Zvirondedzero zveurongwa hwezvipo zvinhu (sekuita 401 (k) zvirongwa) zviri nyore kuverenga pane zvinorondedzerwa zvirongwa zvezvirongwa (semapensheni) nokuti inotsanangurwa kubhadhara mari yekubhadhara inobva pane zvakaoma zvinotarisirwa kuverenga uye zvinhu zvakadai semakore ekushanda. Kana mumwe wako aine chirongwa ichi chirongwa, gweta rako rinogona kunge rakashandira mari yekozvino kuverenga mugove wako wezvigadziro zvezvinhu.
Gweta rako rinofanira kuverenga tsanangudzo yepurogiramu yekubvisa purogiramu yemamwe mapepa uye mamwe magwaro ezvirongwa nokuti mazwi eQDRO anofanira kubvumirana nemitemo yeurongwa. Nyaya dzakabatana nezvirondedzero zvinorondedzerwa zvipo zvakasiyana nedzimwe dzine chokuita nezvirongwa zvinorondedzerwa , zvimwe chikonzero zvinobatsira kushandisa nyanzvi.
Zvaunobhadharwa Nayo Zvinogona Kuita
Iyi imwe nzvimbo inowanzoita kuti ive yakaoma. Munyika dzakawanda, mari yakawedzerwa kumakosheni ekurega mari panguva yekuroorana inoonekwa semhuri, zvichireva kuti iwe newawakaroorana naye mune kodzero kwavari. Asi kana mumwe wenyu akapinda mumuchato nemari akatova mubhuku rekubvisa mari, iyo mari inowanzobatwa semugove wakasiyana mukurambana (kunyange zvazvo kurapa kwavo kuchisiyana nehurumende). Sezvo mutemo wehurumende, zvinhu izvo zvinoonekwa semhuri, kana kuti izvo zvakapiwa panguva yekuroora, pamwe chete nemari yavo ndeyezvinhu zvakaparadzaniswa kana chiitiko chekurambana.
Kana mudiwa wako akafukidzwa nechirongwa chinorondedzerwa chemupiro, sa 401 (k) chirongwa, nguva yekubhadhara kwako inobva pane chirongwa ichocho. Zvimwe zvirongwa zvinoita kuti pakarepo zvikwereti zvikwereti uye vamwe vanobhadhara chikwereti mune ramangwana kana kuti vaite zvikwereti nguva nenguva. Kana mumwe wako akafukidzwa nechirongwa chinorondedzerwa chirongwa semakambani emari yepenhenji, kune rumwe rutivi, iwe unogona kutambira mimwe mihomwe yepamwedzi kubva panguva yako yekusununguka kwemakore.
The Bottom Line
Kurambana kunogona kuve kwakabhadhara kuenderana nehutungamiri hwemhosva uye hutano hwepfungwa. Asi zvinogonawo kuva nemigumisiro inodhura pahupenyu hwako huri mune ramangwana. Kudzidzisa iwe ndiyo danho rokutanga. Asi iva nechokwadi chekutora matanho akakodzera emutemo ekudzivirira kodzero dzako uye nguva dzose uchishandisa boka rakakodzera kuti rikubatsire kuita kudaro.