受取人によって変わってくる「死亡保険金」の税金 富裕層向け資産防衛メディア 幻冬舎ゴールドオンライン from gentosha-go.com
Introduction
Losing a loved one is never easy, and the last thing anyone wants to think about is taxes. However, it's important to understand how death benefits work and how they affect your taxes. In this article, we'll discuss what death benefits are, who receives them, and how they impact taxes in 2023.
What are Death Benefits?
A death benefit is a sum of money paid out to the designated beneficiary of a life insurance policy or retirement account after the policyholder's death. The money can be used to cover funeral expenses, pay off debts, or support the beneficiary's financial needs.
Who Receives Death Benefits?
The person designated as the beneficiary on the life insurance policy or retirement account receives the death benefit. This can be a spouse, child, parent, or any other person specified by the policyholder. It's important to update your beneficiaries regularly, especially after major life events like marriage, divorce, or the birth of a child.
Are Death Benefits Taxable?
In most cases, death benefits are not taxable. However, there are some exceptions. For example, if the policyholder had a modified endowment contract or if the death benefit is paid out over a certain period of time, part of the benefit may be taxable. It's important to consult with a tax professional to determine if any portion of the death benefit is taxable.
What Taxes Apply to Death Benefits?
If any portion of the death benefit is taxable, it will be subject to income tax. The beneficiary will need to report the taxable portion of the death benefit on their tax return for the year in which it was received. Additionally, if the policyholder had a large estate, the death benefit may be subject to estate tax.
How to Minimize Taxes on Death Benefits
One way to minimize taxes on death benefits is to name a beneficiary who is not in a high tax bracket. For example, if the policyholder's spouse is already in a high tax bracket, it may make more sense to name a child or grandchild as the beneficiary. Additionally, if the policyholder has a large estate, it may be beneficial to establish a trust to receive the death benefit.
What Else to Consider
It's important to note that death benefits are typically paid out tax-free, but they can still impact the beneficiary's eligibility for certain government benefits. For example, if the beneficiary is receiving Medicaid, the death benefit could push them over the income threshold and make them ineligible for benefits. It's important to consult with a financial advisor to determine the best course of action.
Conclusion
While taxes are never a pleasant subject, it's important to understand how death benefits work and how they may impact your taxes. By naming the right beneficiary and consulting with a tax professional, you can minimize taxes on death benefits and ensure your loved ones are taken care of in the event of your passing.
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