Newsom lifts some restrictions on elective surgeries but excludes dentistry DALY CITY – San Mateo County Supervisor David J. Canepa will conduct a press conference at 11 a.m., Saturday, April 25, 1655 Southgate Ave., Daly City with oral surgeons and dentists who have been essentially closed during the state’s COVID-19 shelter in place order. Wednesday, Gov. Gavin Newsom rolled back a …
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冠狀病毒整體振興法案7大疑問解答
密爾瓦基,2020年4月24日 - 雖然冠狀病毒援助、紓困、和經濟安全法案(Coronavirus Aid, Relief, and Economic Security Act,簡稱CARES法案)已在三月底生效,但是到底如何利用整套CARES振興法案來保護自己,許多美國人仍覺得沒有什麼把握。 這套法案包含非常複雜的紓困措施。要知道如何申請經費和資源 - 甚至只是想知道自己是否符合申請條件 - 都令人惶惑不已,感到寸步難行。 「瞭解CARES法案和如何獲取該法案提供的支援和福利,具有一定的挑戰性,對新移民來說,這項挑戰更為艱鉅,」服務奧勒岡州波特蘭的 Northwestern Mutual理財顧問郭信琤表示。「Northwestern Mutual 致力在此前所未見的時刻,全心全意支持我們的客戶和所服務的社區,包括提供有關CARES法案及其內涵的深入分析和專業建議。」 以下是郭信琤理財顧問針對冠狀病毒整體振興法案最常見的7大疑問提供的解答,以及您是否能夠利用這套法案來保護自己: 1. 我怎麼知道自己是否符合條件領取振興支票? 不見得每一個人都領得到振興給付,或是領得到全額(個人$1200,夫妻$2400,加上受您撫養,年齡不超過16歲的兒童,每人$500)。您是否領得到這筆錢要看您最近一次報稅(2018或2019年,以最晚的一次為準)的稅表中經調整的毛收入(adjusted gross income,簡稱AGI)數目。如果您的毛收入超過以下的收入門檻,每超過門檻$100,您的振興給付將減少$5。如果您沒有符合以上條件的受扶養兒童,您的AGI的依序減少的起點和終點為: 個別納稅者以$75000為起點。若您的毛收入達到$99000,就失去領取給付的資格。單身戶長納稅者以$112500為起點。若您的毛收入達到$136500,就失去領取給付的資格。已婚夫婦共同報稅者以$150000為起點。若共同毛收入達到$198000,就失去領取給付的資格。 如果您有孩子,您的AGI起點不變,但是孩子越多,您失去資格的毛收入上限就越高。舉例而言,如果您已婚,夫婦共同報稅,而且有一個符合以上條件的受扶養兒童,您有可能領取最高$2900的振興給付。根據計算方式,如果您的AGI達到$208000,您就會失去領取給付的資格。 2. 我要到哪裡去領我的振興給付? 如果根據您的AGI,您符合領取給付的條件,只要您已經申報2018或2019年所得稅,您什麼都不必做,政府會直接將支票寄到您在國稅局登記的地址,如果您已經設定直接轉帳,國稅局會直接將錢存入您的帳戶。如果您在上一次報稅後搬家,請填寫 變更地址表格寄給國稅局。 萬一您還沒有申報2018或2019的所得稅怎麼辦呢?您應該儘速申報(儘管2019的申報期限已經延後到7月15日)-不然國稅局無從知道是否應該寄發振興給付給您。online tool) ,您可以通過線上工具提供您的資料以便領取您的給付。Turbo Tax 也推出了振興登記網站,不需報稅的民眾可以填寫簡單的報稅資料,讓您向國稅局登記信息,並且申請直接轉帳。 如果您通常不報稅並且領取社安補助,您必須符合某些特定條件(請參看以下問題4)。 3. 我什麼時候可以領到振興支票? 據估計,如果您已向國稅局登記直接轉帳,最快應在四月中-如果需用郵寄,可能還要好幾個月。如果您尚未登記直接轉帳,國稅局表示將在四月中推出全新 入口網站, 您就可以通過安全的方式將您的銀行帳戶信息提供給國稅局。以目前而言,沒有任何辦法追蹤您的給付什麼時候會到達。事實上國稅局已因為打電話查詢的人太多,不鼓勵民眾通過電話查詢。他們希望您通過 冠狀病毒紓困網頁 查看最新信息。 4. 如果我有社安收入,是否仍然可以領取振興支票? 如果您領取社安福利,只要您的社安福利加上其他收入仍然符合前面所說的AGI條件,您就仍然可以領取振興支票。如果您固定領取社安福利,而且通常不報稅,國稅局會以您的社安福利為根據,所以您連填寫簡單的報稅資料都不需要。但是要注意的是:您將無法領取受扶養兒童的額外$500補助。而且,如果您在他人的報稅資料上被列為受扶養人,您就不符合領取振興給付的條件。 5. 根據CARES法案,失業與過去有何不同? 傳統上不符合申請失業補助的人現在可以在2020年底前申請失業補助。包括自由業者、獨立契約商、和例如共乘車駕駛等零工經濟工作者都包括在內。 CARES法案給予各州通過聯邦補助款擴大失業保險計劃範圍的選擇權。但是要符合享受這些擴大福利的條件,您必須證明您因為冠狀病毒而失業,或因冠狀病毒減少您的工作時數,或因為您必須照顧其他受到COVID-19影響的人而無法工作。 新的聯邦計劃可能在您從州政府領到的失業給付外,每週再增加$600給付,時間長達4個月。您還有可能領取額外13週的福利。 6. 如果我最近才符合條件,應如何申請失業給付? 您仍然依照同樣的方式申請失業給付,通過州政府勞工局設在您當地的失業辦公室申請。雖然聯邦政府負責提供新的援助計劃經費,但州政府必須同意提供,而且擔任守門員角色,決定接受或拒絕您的申請。每個州對於您能夠領取多少給付,可以領多久,甚至於您是否符合申請失業補助的條件,都有自己的規章和執行方式。 7. 根據CARES法案,我是否仍需繼續支付學生貸款? CARES法案自動暫停大部分聯邦學生貸款本金與利息的支付,從2020年3月13日開始到9月30日為止。您不需要採取任何行動,您的貸款會自動成為所謂行政延期付款。如果您願意,您可以繼續支付,但是在這段時間中如果您沒有付款,您不會受罰。 同時,如果您正在進行公立學生貸款免償計劃(Public Student …
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