s***y
发帖数: 416 | 1 刚刚知道有个FSA，报税时可以抵Daycare费用，但已经错过了申请日期（2012年11月）
，HR说只能等2013年11月了。请问还有什么挽回余地吗？
另外，做了下research，貌似如果没有FSA，Daycare fee 可以claim credit，Form
2441 (one child, $3000的20%-35%)，这个比起FSA很吃亏。我的问题是，如过想做
deduction,也应该也有个上限吧，也是$5000吗，需要claim哪个表？这个我没有查到，
求指导。
万分感谢！！ | s***y
发帖数: 416 | 2 没有人搭理，:-(。 Daycare fee 没存FSA，想报税时做deduction，求问上限，我查的
结果one child 貌似也是$5000（我的实际花费超$5000），有人可以给确认一下吗？谢
谢！ | s***n
发帖数: 678 | 3 你问问你们单位管这个的,或者你们FSA所用的公司, 他们会更熟悉细节. 有可能你今年
11月申请FSA之后可以reclaim一部分已经花了的钱,当然也是有个起始日期的,当然不可
能倒推到今年1月. | s***y
发帖数: 416 | 4 总算有人搭理了，包子答谢。FSA应该是由第三方公司负责的。但每年11月份申请的是
转年的FSA，我回头问问是否可以reclaim当年的。我的问题是如果单位没有FSA，那员
工缴纳的daycare 费用可以在报税时做deduciton？有人了解吗？
【在 s***n 的大作中提到】
: 你问问你们单位管这个的,或者你们FSA所用的公司, 他们会更熟悉细节. 有可能你今年
: 11月申请FSA之后可以reclaim一部分已经花了的钱,当然也是有个起始日期的,当然不可
: 能倒推到今年1月.
| b***G
发帖数: 542 | 5 这个问题在网上随便Google一下就可以找到答案，难怪没有人答应你。
我也不是什么内行，这里是我在网上搜到的信息，你可以参考一下
Tax time: Flexible spending plans versus the childcare credit
by Rachelle LaLiberte
Last updated: January 2012
Daycare and childcare payments can take a big bite out of your paycheck.
That's especially painful in a tough economy, when we're all looking for
ways to cut expenses. Fortunately, you can recoup some of the costs by
either enrolling in a flexible spending account (FSA) or taking the
childcare credit at tax time.
To qualify for either an FSA or the childcare tax credit, both you and your
spouse must have earned income. Exception: One of you was a full-time
student for five months of the tax year.
If you work for a company that offers an FSA, here's how to figure out which
option is best for you. Either way, it's like getting a sale price on
childcare – something that's virtually never marked down.
The childcare flex account
A flexible spending account for dependent care is not something you can set
up on your own, but many companies offer one to employees. This type of FSA
allows you to put aside up to $5,000 ($2,500 for married individuals filing
separate returns) before taxes to pay for dependent care expenses.
The amount is deducted from your paycheck and then reimbursed to you for
qualified expenses – money you paid for services that enable you to work,
such as at-home care (a nanny or babysitter) and care outside the home (such
as daycare or after-school care). Note: In most cases, to obtain FSA
reimbursement you'll have to provide receipts for payment from, and a social
security number or tax identification number for, every care provider,
including nannies and other babysitters.
Because this is a "pretax" deduction, you won't have to pay federal, social
security, Medicare, or state taxes on the amount. Your contribution can't
exceed the income of the spouse who earns the least. So, to set aside the
full $5,000 each year, each parent must make at least that much.
An FSA essentially serves as a tax deduction, reducing your adjusted gross
income (AGI). This may allow you to have more itemized tax deductions for
the year and increase the amount allowed for personal exemptions.
Do think carefully about how much money to earmark for your FSA, though,
because you forfeit any amount that isn't used during the calendar year. For
example, if you sign up to have $3,000 put in your FSA and you only spend $
2,000 on childcare that year, you'll lose $1,000. In other words, $3,000
will be taken out of your pay but only $2,000 will be reimbursed.
The childcare tax credit
The IRS offers a 20 to 35 percent kickback on up to $3,000 ($6,000 if you
have two or more kids) of qualifying childcare expenses you accrued in 2011.
If your AGI is $15,000 a year or less, you get the full childcare tax
credit; if it's more than $43,000, the figure drops to 20 percent. So if you
earn $45,000 a year and spend $6,000 on childcare for two kids, the tax
credit equals just $1,200.
Qualified expenses are defined in the same way they are for FSAs. And as
with an FSA, those expenses can't exceed the earned income of the spouse who
earns less.
The best choice for you
Depending on your financial circumstances, you may be able to take advantage
of both an FSA and the childcare credit – but you can't claim the same
expenses for both. For most people, however, it'll make financial sense to
choose one or the other.
Generally, the more you earn, the more you'll benefit from an FSA,
particularly if you're at or above the 25 percent federal tax bracket.
Taxpayers in the 15 percent federal tax bracket who have only one child and
have qualified expenses of at least $3,000 may be best off with the FSA, too.
For example, a married couple filing a joint federal tax return with a
taxable income of $80,000 will save federal taxes of $1,250 (25 percent of $
5,000) if one parent contributes $5,000 to a dependent-care FSA account. In
addition, social security taxes will be reduced by $310 and Medicare taxes
by $72.50.
Lower-income families usually get less value from an employer-sponsored FSA
and fare better with the federal tax credit. Of course, if your employer
doesn't offer an FSA for dependent care, you'll want to take the tax credit.
Ultimately, you may need to run the numbers to see which option saves you
the most money. A tax specialist can figure it out for you, or you can do
the math yourself using an online tool. Search for "dependent spending
account calculator" (or similar wording) to find one.
Learn more
For more information, consult an accountant or try these IRS links:
Frequently asked questions about the childcare credit and flexible spending
accounts for dependent care
The Child and Dependent Care Credit
Form 2441, Child and Dependent Care Expenses
简单总结一下就是说交到daycare的费用, 原则上来说不是Tax deductible
除了使用FSA account ，或者申报Child or dependent care tax credit，或者两个都
用，小孩上幼儿园的费用不能用其他方式抵税。
★ 发自iPhone App: ChineseWeb 7.7
【在 s***y 的大作中提到】
: 总算有人搭理了，包子答谢。FSA应该是由第三方公司负责的。但每年11月份申请的是
: 转年的FSA，我回头问问是否可以reclaim当年的。我的问题是如果单位没有FSA，那员
: 工缴纳的daycare 费用可以在报税时做deduciton？有人了解吗？
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