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State Income Tax Help
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State Income Tax Help
State income tax help Publication 600 - Additional Material Table of Contents Please click here for the text description of the image. State income tax help Electronic Filing (E-file) Please click here for the text description of the image. State income tax help Electronic Filing (e-file) This image is too large to be displayed in the current screen. State income tax help Please click the link to view the image. State income tax help Electronic Filing (e-file) Please click here for the text description of the image. State income tax help Electronic Filing (e-file) Prev Up Home More Online Publications
Long-Term Care and Other Insurance
Medical advances have resulted in an increased need for nursing home care and assisted living. Most health insurance plans and Medicare severely limit or exclude long-term care. You should consider these costs as you plan for retirement. Here are some questions to ask when considering a separate long-term care insurance policy.
What qualifies you for benefits? Some insurers say you must be unable to perform a specific number of the following activities of daily living: eating, walking, getting from bed to a chair, dressing, bathing, using a toilet and remaining continent.
What type of care is covered? Does the policy cover nursing home care? What about coverage for assisted living facilities that provide less client care than a nursing home? If you want to stay in your home, will it pay for care provided by visiting nurses and therapists? What about help with food preparation and housecleaning?
What will the benefit amount be? Most plans are written to provide a specific dollar benefit per day. The benefit for home care is usually about half the nursing-home benefit. But some policies pay the same for both forms of care. Other plans pay only for your actual expenses.
What is the benefit period? It is possible to get a policy with lifetime benefits but this can be very expensive. Other options for coverage are from one to six years. The average nursing home stay is about 2.5 years.
Is the benefit adjusted for inflation? If you buy a policy prior to age 60, you face the risk that a fixed daily benefit will not be enough by the time you need it.
Is there a waiting period before benefits begin? A 20 to 100 day period is not unusual.
Travel Insurance. There are four kinds of travel insurance: Travel Cancellation Insurance, Baggage or Personal Effects Coverage, Emergency Medical Coverage and Accidental Death. One helpful website is insuremytrip.com.
Identity Theft Insurance. This type of insurance provides reimbursement to crime victims for the cost of restoring their identity and repairing credit reports. Some companies now include this as part of their homeowner's insurance policy. Others sell it as a stand-alone policy. Ask your homeowner policy company for information.
International Healthcare Insurance. A policy that provides health coverage no matter where you are in the world. The policy term is flexible so you can purchase only for the time you will be out of the country. Contact your current healthcare provider for coverage information.
Catastrophic Health Care Insurance. A health plan that only cover certain types of expensive care, like hospitalizations.
Liability Insurance. Insurance for what the policyholder is legally obligated to pay because of bodily injury or property damage caused to another person. Search online or ask your personal insurance agent for more information.
Umbrella insurance A policy that supplements the insurance you already have for home, auto, and other personal property. can help cover costs that exceed the limits of other policies.
The State Income Tax Help
State income tax help 10. State income tax help Retirement Savings Contributions Credit (Saver's Credit) Table of Contents Full-time student. State income tax help Adjusted gross income. State income tax help Distributions received by spouse. State income tax help Testing period. State income tax help If you or your employer make eligible contributions (defined later) to a retirement plan, you may be able to take a credit of up to $1,000 (up to $2,000 if filing jointly). State income tax help This credit could reduce the federal income tax you pay dollar for dollar. State income tax help Can you claim the credit? If you or your employer make eligible contributions to a retirement plan, you can claim the credit if all of the following apply. State income tax help You are not under age 18. State income tax help You are not a full-time student (explained next). State income tax help No one else, such as your parent(s), claims an exemption for you on their tax return. State income tax help Your adjusted gross income (defined later) is not more than: $59,000 for 2013 ($60,000 for 2014) if your filing status is married filing jointly, $44,250 for 2013 ($45,000 for 2014) if your filing status is head of household (with qualifying person), or $29,500 for 2013 ($30,000 for 2014) if your filing status is single, married filing separately, or qualifying widow(er) with dependent child. State income tax help Full-time student. State income tax help You are a full-time student if, during some part of each of 5 calendar months (not necessarily consecutive) during the calendar year, you are either: A full-time student at a school that has a regular teaching staff, course of study, and regularly enrolled body of students in attendance, or A student taking a full-time, on-farm training course given by either a school that has a regular teaching staff, course of study, and regularly enrolled body of students in attendance, or a state, county, or local government. State income tax help You are a full-time student if you are enrolled for the number of hours or courses the school considers to be full-time. State income tax help Adjusted gross income. State income tax help This is generally the amount on line 38 of your 2013 Form 1040 or line 22 of your 2013 Form 1040A. State income tax help However, you must add to that amount any exclusion or deduction claimed for the year for: Foreign earned income, Foreign housing costs, Income for bona fide residents of American Samoa, and Income from Puerto Rico. State income tax help Eligible contributions. State income tax help These include: Contributions to a traditional or Roth IRA, Elective deferrals, including amounts designated as after-tax Roth contributions, to: A 401(k) plan (including a SIMPLE 401(k)), A section 403(b) annuity, An eligible deferred compensation plan of a state or local government (a governmental 457 plan), A SIMPLE IRA plan, or A salary reduction SEP, and Contributions to a section 501(c)(18) plan. State income tax help They also include voluntary after-tax employee contributions to a tax-qualified retirement plan or a section 403(b) annuity. State income tax help For purposes of the credit, an employee contribution will be voluntary as long as it is not required as a condition of employment. State income tax help Reducing eligible contributions. State income tax help Reduce your eligible contributions (but not below zero) by the total distributions you received during the testing period (defined later) from any IRA, plan, or annuity included earlier under Eligible contributions. State income tax help Also reduce your eligible contributions by any distribution from a Roth IRA that is not rolled over, even if the distribution is not taxable. State income tax help Do not reduce your eligible contributions by any of the following: The portion of any distribution which is not includible in income because it is a trustee-to-trustee transfer or a rollover distribution. State income tax help Any distribution that is a return of a contribution to an IRA (including a Roth IRA) made during the year for which you claim the credit if: The distribution is made before the due date (including extensions) of your tax return for that year, You do not take a deduction for the contribution, and The distribution includes any income attributable to the contribution. State income tax help Loans from a qualified employer plan treated as a distribution. State income tax help Distributions of excess contributions or deferrals (and income attributable to excess contributions and deferrals). State income tax help Distributions of dividends paid on stock held by an employee stock ownership plan under section 404(k). State income tax help Distributions from an eligible retirement plan that are converted or rolled over to a Roth IRA. State income tax help Distributions from a military retirement plan. State income tax help Distributions received by spouse. State income tax help Any distributions your spouse receives are treated as received by you if you file a joint return with your spouse both for the year of the distribution and for the year for which you claim the credit. State income tax help Testing period. State income tax help The testing period consists of: The year in which you claim the credit, The 2 years before the year in which you claim the credit, and The period after the end of the year in which you claim the credit and before the due date of the return (including extensions) for filing your return for the year in which you claimed the credit. State income tax help Example. State income tax help You and your spouse filed joint returns in 2011 and 2012, and plan to do so in 2013 and 2014. State income tax help You received a taxable distribution from a qualified plan in 2011 and a taxable distribution from an eligible section 457(b) deferred compensation plan in 2012. State income tax help Your spouse received taxable distributions from a Roth IRA in 2013 and tax-free distributions from a Roth IRA in 2014 before April 15. State income tax help You made eligible contributions to an IRA in 2013 and you otherwise qualify for this credit. State income tax help You must reduce the amount of your qualifying contributions in 2013 by the total of the distributions you and your spouse received in 2011, 2012, 2013, and 2014. State income tax help Maximum eligible contributions. State income tax help After your contributions are reduced, the maximum annual contribution on which you can base the credit is $2,000 per person. State income tax help Effect on other credits. State income tax help The amount of this credit will not change the amount of your refundable tax credits. State income tax help A refundable tax credit, such as the earned income credit or the additional child tax credit, is an amount that you would receive as a refund even if you did not otherwise owe any taxes. State income tax help Maximum credit. State income tax help This is a nonrefundable credit. State income tax help The amount of the credit in any year cannot be more than the amount of tax that you would otherwise pay (not counting any refundable credits or the adoption credit) in any year. State income tax help If your tax liability is reduced to zero because of other nonrefundable credits, such as the education credits, then you will not be entitled to this credit. State income tax help How to figure and report the credit. State income tax help The amount of the credit you can get is based on the contributions you make and your credit rate. State income tax help The credit rate can be as low as 10% or as high as 50%. State income tax help Your credit rate depends on your income and your filing status. State income tax help See Form 8880, Credit for Qualified Retirement Savings Contributions, to determine your credit rate. State income tax help The maximum contribution taken into account is $2,000 per person. State income tax help On a joint return, up to $2,000 is taken into account for each spouse. State income tax help Figure the credit on Form 8880. State income tax help Report the credit on line 50 of your Form 1040 or line 32 of your Form 1040A, and attach Form 8880 to your return. State income tax help Prev Up Next Home More Online Publications