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Diez consejos sobre impuestos para quienes de repente se quedaron sin trabajo

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2023 • August 23, 2024 01:34 PM
OVERVIEW

Si te despidieron inesperadamente, es posible que seas elegible para varios beneficios relacionados con el impuesto sobre el ingreso. Perder un empleo siempre es duro, pero estos consejos sobre impuestos te ayudarán a maximizar tu reembolso.

 

Puntos clave

  • Presenta tu declaración temprano, porque tal vez te encuentras en una escala tributaria más baja y pudieras recibir un reembolso.

  • Perder tu trabajo puede abrir la puerta a oportunidades tributarias adicionales, incluyendo: Crédito por ingreso del Trabajo, Crédito Tributario por Hijos y el Crédito por Gastos de Cuidado de Hijos Menores y Dependientes.

  • Cualquier pago de indemnización por despido, incluyendo el pago de vacaciones o días por enfermedad no utilizados, son totalmente tributables en el año que lo recibes.

  • Debes recibir una copia del Formulario 1099-G de tu estado reportando cuanta compensación por desempleo recibiste durante el año previo para que lo puedas reportar en tu declaración de impuestos.

Impuestos para los desempleados

Si acabas de perder tu empleo, hay grandes posibilidades de que tus ingresos se hayan reducido significativamente. Eso significa que es probable que tu condición tributaria también haya cambiado.

Quizás ahora califiques para créditos y deducciones disponibles solo para contribuyentes con ingresos más bajos. Sin embargo, es posible que también tengas que pagar impuestos sobre el ingreso que otros contribuyentes no pagan. Así que toma control de la situación. Averigua cómo manejar tu declaración de impuestos mientras buscas un nuevo empleo.

1. Presenta tu declaración de impuestos

Suena obvio, ¿no? Sin embargo, si hace tiempo que no tienes empleo, es posible que te olvides fácilmente de presentar una declaración de impuestos. Si perdiste tu trabajo a mitad de año, tendrás que presentar una declaración si tus ingresos para el 2023 superan los $13,850 (contribuyente soltero, menor de 65 años) o los $27,700 (contribuyente que presenta una declaración conjunta, menor de 65 años).

2. Presenta tu declaración temprano

No retrases la presentación de tu declaración de impuestos. Es posible que recibas un reembolso. El motivo es simple: por lo general, las personas que pierden sus empleos bajan de escala tributaria. Eso significa que es probable que las retenciones que te hacían en tu empleo anterior hayan sido muy altas y que puedas reclamar un reembolso considerable a la hora de presentar tu declaración.

3. Aprovecha los programas de beneficios del Gobierno, algunos de los cuales son libres de impuestos

Todos los años, el Gobierno federal y los Gobiernos estatales y locales distribuyen beneficios por una cantidad de $1.8 trillones. Existen programas gubernamentales de beneficios que abarcan desde dinero para comida hasta planes de atención médica que pueden reducir tus gastos diarios. Algunos de los beneficios que permiten ahorrar dinero incluyen los siguientes:

  • seguro médico
  • asistencia alimentaria
  • servicios de gas y electricidad a bajo costo
  • servicio de telefonía a bajo costo
  • seguro de auto a bajo costo
  • fondos no reclamados

4. Deduce los gastos por búsqueda de trabajo

Poder deducir los gastos por búsqueda de trabajo es una de las mayores ventajas que tienen los contribuyentes desempleados que califican. Estas deducciones están disponibles para 2017 y años tributarios anteriores, pero ya no lo están a partir de 2018.

Esto es parte de lo que puedes deducir hasta el 2017:

  • Costos de preparación de currículum
  • Gastos de viaje relacionados con la búsqueda de empleo (entrevistas fuera de la ciudad o ferias de empleo)
  • Franqueo, entregas urgentes u otros gastos de correo postal
  • Honorarios de agencias de empleo y de recolocación

Para calificar, debes cumplir estos requisitos:

  • Detallar tus deducciones. Las personas que reclaman deducciones estándar no son elegibles.
  • Estar buscando empleo en el mismo campo de trabajo. Si decides hacerte actor después de trabajar como químico toda tu vida, esos gastos de audiciones no son deducibles.
  • Si estás buscando tu primer empleo, es decir, acabas de salir de la universidad, no puedes reclamar deducciones de gastos por búsqueda de empleo.

Nota de TurboTax:

El quedarte desempleado pudiera hacerte elegible para ciertas deducciones de ingresos y créditos que pudieran ayudarte cuando llegue el tiempo de presentar tus impuestos.

5. Aprovecha un beneficio de impuestos

Según tu nivel de ingresos, la pérdida del empleo puede dar lugar a beneficios de impuestos adicionales, como los siguientes:

  • Crédito Tributario por Ingreso del Trabajo. La cantidad del crédito aumenta cuantos más hijos tienes. Un contribuyente con tres o más hijos que califican es elegible para un crédito máximo de $7,430 en 2023.
  • Crédito Tributario por Hijos. Un crédito tributario de hasta $2,000 en 2023 por hijos menores de 17 años que califican. Para 2021, esta cantidad se aumentó a $3,600 por hijo, según la edad, y los hijos de 17 años son elegibles.
  • Crédito por Gastos del Cuidado de Hijos Menores y Dependientes. Es posible que las cantidades que pagas para que cuiden de tu hijo y puedas trabajar o buscar empleo sean deducibles, según tu nivel de ingresos.
  • Crédito del ahorrador. Crédito de hasta $1,000 ($2,000 en el caso de parejas) para contribuciones a un plan de jubilación por parte de contribuyentes de bajos ingresos. Para ser elegibles en 2023, las parejas casadas no pueden tener ingresos superiores a $73,000, mientras que el límite para contribuyentes solteros es de $36,500.

6. Recuerda que la totalidad de la indemnización por despido está sujeta a impuestos

Si recibiste una indemnización por despido, lo que incluye el pago de vacaciones o días de licencia no usados, esas cantidades están sujetas a impuestos en el año en que las recibiste y estarán incluidas en el Formulario W-2 que recibas de tu empleador anterior.

7. Paga impuestos sobre la compensación por desempleo

Debes informar la cantidad total de compensación por desempleo que recibes (para el año tributario 2020, los primeros $10,200 de ingresos por desempleo son libres de impuestos para contribuyentes con un AGI menor de $150,000). A principios de año, recibirás una copia del Formulario 1099-G de tu estado, donde se indica la cantidad de compensación por desempleo que recibiste durante el año anterior para que puedas reportarla en tu declaración de impuestos.

8. Obtén información acerca de impuestos sobre el trabajo por cuenta propia

Si te despiden inesperadamente, es posible que, de repente, te conviertas en un trabajador por cuenta propia. Tendrás que conocer un nuevo conjunto de reglas tributarias,

pero no te preocupes, para la mayoría solo se agregan algunos pasos extra.

  • Reporta tus gastos en el Anexo C (Ganancias y pérdidas del negocio) o en el Anexo F (de ingresos agrícolas).
  • Aunque hayas tenido solo algunos trabajos esporádicos, igual tienes que adjuntar el Formulario SE (Impuesto sobre el trabajo por cuenta propia) al Formulario 1040 y pagar impuestos del Seguro Social y Medicare sobre tus ingresos por cuenta propia.
  • Consulta la Publicación 334 del IRS (Servicio de Impuestos Internos), Guía de impuestos para pequeñas empresas, para obtener consejos sobre la documentación contable, pagos de impuestos estimados y gastos comerciales que puedes deducir.

9. Reclama el Crédito Tributario por Seguro de Salud (HCTC, por sus siglas en inglés)

El Crédito Tributario por Seguro de Salud (HCTC) está disponible hasta 2021 para un grupo determinado de personas desempleadas. Si perdiste tu empleo por actividades con países extranjeros y recibes beneficios del programa Asistencia por Ajustes Comerciales, es posible que puedas reclamar este crédito, que cubre el 72.5% de las primas de tu seguro médico.

10. Aprovecha estos beneficios de impuestos con TurboTax

Si perdiste tu empleo durante el año anterior, TurboTax te puede ayudar a asegurarte de que obtengas las deducciones y los créditos que te corresponden. Te haremos preguntas sencillas sobre tu situación y te guiaremos hacia los créditos y las deducciones que más dinero pondrán en tu bolsillo.

TurboTax está aquí para ayudarte en el Centro de Beneficios de Desempleo. Obtén más información sobre beneficios de desempleo, seguro y elegibilidad, y respuestas a tus dudas tributarias y financieras.

Con TurboTax Live Full Service, un experto bilingüe local elegido según tu situación en particular se ocupará de tus impuestos por ti de principio a fin. O bien, obtén ayuda y asesoramiento ilimitados de expertos en impuestos bilingües mientras preparas tu declaración con TurboTax Live Assisted.

Y, si quieres preparar y presentar los impuestos por ti mismo, puedes tener la certeza de que lo harás bien con TurboTax en español , ya que te guiaremos paso a paso. Independientemente de la forma en que realices la presentación, garantizamos un 100 % de precisión y el máximo reembolso correspondiente.

Tus impuestos bien hechos, con expertos bilingües a tu lado

Obtén asesoramiento ilimitado, una revisión final por parte de un experto bilingüe y tu máximo reembolso, garantizado con TurboTax Live Assisted Basic. Ahora disponible en español.

$89*
Los impuestos estatales son adicionales.
Comienza gratis

Presentación de impuestos 100 % gratis

Responde preguntas sencillas y TurboTax Free Edition se ocupará del resto. Ahora disponible en español.

Presentación gratuita de declaraciones simples con el Formulario 1040 (sin anexos, excepto para el Crédito Tributario por Ingreso del Trabajo, el Crédito Tributario por Hijos y los intereses de préstamos estudiantiles). El 37 % de los contribuyentes califica.

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TurboTax Desktop Individual Returns:

  • 100% Accurate Calculations Guarantee – Individual Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we’ll pay you the penalty and interest. Excludes payment plans. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.

  • Maximum Refund Guarantee / Maximum Tax Savings Guarantee - or Your Money Back – Individual Returns: If you get a larger refund or smaller tax due from another tax preparation method by filing an amended return, we'll refund the applicable TurboTax federal and/or state software license purchase price you paid. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.

  • Audit Support Guarantee – Individual Returns: If you receive an audit letter from the IRS or State Department of Revenue based on your 2024 TurboTax individual tax return, we will provide one-on-one question-and-answer support with a tax professional, if requested through our Audit Support Center, for audited individual returns filed with TurboTax Desktop for the current 2024 tax year and, for individual, non-business returns, for the past two tax years (2022, 2023). Audit support is informational only. We will not represent you before the IRS or state tax authority or provide legal advice. If we are not able to connect you to one of our tax professionals, we will refund the applicable TurboTax federal and/or state license purchase price you paid. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.

  • Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TurboTax Desktop Business Returns:

  • 100% Accurate Calculations Guarantee – Business Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we’ll pay you the penalty and interest. Excludes payment plans. You are responsible for paying any additional tax liability you may owe. Additional terms and limitations apply. See License Agreement for details.

  • Maximum Tax Savings Guarantee - Business Returns: If you get a smaller tax due (or larger business tax refund) from another tax preparation method using the same data, TurboTax will refund the applicable TurboTax Business Desktop license purchase price you paid. Additional terms and limitations apply. See License Agreement for details.

  • Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TURBOTAX DESKTOP DISCLAIMERS

  • Installation Requirements: Product download, installation and activation requires an Intuit Account and internet connection. Product limited to one account per license code. You must accept the TurboTax License Agreement to use this product. Not for use by paid preparers.

  • TurboTax Desktop Products: Price includes tax preparation and printing of federal tax returns and free federal e-file of up to 5 federal tax returns. Additional fees apply for e-filing state returns. E-file fees may not apply in certain states, check here for details. Savings and price comparison based on anticipated price increase. Software updates and optional online features require internet connection. Desktop add-on products and services purchased are non-refundable.

  • Fastest Refund Possible: Get your tax refund from the IRS as fast as possible by e-filing and choosing to receive your refund by direct deposit. Tax refund time frames will vary. The IRS issues more than 9 out of 10 refunds in less than 21 days.

  • Average Refund Amount: $3,207 is the average refund amount American taxpayers received in the 2024 filing season based upon IRS data as of February 16, 2024 and may not reflect actual refund amount received.

  • TurboTax Technical Support: Customer service and technical support hours and options vary by time of year.

  • Deduct From Your Federal Refund: Individual taxes only. Subject to eligibility requirements. Additional terms apply. A $40 Refund Processing Service fee applies to this payment. method. Prices are subject to change without notice.

  • Data Import: Imports financial data from participating companies; Requires Intuit Account. Quicken and QuickBooks import not available with TurboTax installed on a Mac. Imports from Quicken (2022 and higher) and QuickBooks Desktop (2023 and higher); both Windows only. Quicken import not available for TurboTax Desktop Business. Quicken products provided by Quicken Inc., Quicken import subject to change.

  • Live Tax Advice: Access to tax experts to obtain answers to tax questions and to assist with tax year 2024 return(s) prepared with TurboTax Desktop software. Additional fees apply. Must be purchased and used by October 31, 2025. Excludes TurboTax Desktop Business. See License Agreement for details.

  • Audit Defense: Audit Defense is a third-party add-on service provided, for a fee, by TaxResources, Inc., dba Tax Audit. See Membership Agreements at https://turbotax.intuit.com/corp/softwarelicense/for service terms and conditions.

All features, services, support, prices, offers, terms and conditions are subject to change without notice.

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