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Tax Reform

Guía para la compensación por desempleo e impuestos

Updated for Tax Year 2017


El IRS considera a las compensaciones por desempleo como un ingreso gravable sobre el que debes informar en tu declaración de impuestos. Algunos estados también consideran las prestaciones por desempleo como ingresos gravables.

Acerca de la compensación por desempleo

La compensación por desempleo es una forma de asistencia monetaria provista por el gobierno federal y el estatal para las personas que no poseen un empleo. Estos beneficios suelen estar sostenidos por los impuestos pagados por los empleadores a nivel federal y estatal.

Generalmente, los empleados que son despedidos o aquéllos que pierden su trabajo por razones ajenas a ellos califican para obtener beneficios por desempleo. El monto de la compensación que reciben depende de la cantidad de tiempo trabajado, sus ingresos y el beneficio máximo que su estado permite. Los contribuyentes que quieren recibir compensación por desempleo deben presentar una solicitud a través de sus programas estatales.

El impacto de los impuestos en los beneficios

Los beneficios por desempleo están incluidos junto con tus otros ingresos, como salarios, pagos e intereses bancarios. El monto total de los ingresos que recibes y tu estado civil como declarante determinarán si necesitas presentar una declaración de impuestos.

Formulario 1099-G

Las divisiones estatales de desempleo emiten un Formulario 1099-G del IRS para cada individuo que recibe beneficios por desempleo durante el año. En este formulario verás el monto total de tu compensación declarados en el Campo 1.

Cuando recibes beneficios puedes optar por hacer que tus impuestos federales y estatales sean deducidos de la compensación para evitar deber una gran cantidad de impuestos en tu declaración de impuestos. Si decides hacer que tu impuesto por ingresos sea deducido de tus beneficios, el total de los impuestos federales deducidos aparecerá en el Campo 4, mientras que los impuestos estatales deducidos aparecerán en el Campo 11.

Declarar sobre los beneficios por desempleo en tu devolución de impuestos

Debes declarar sobre tu compensación por desempleo en tu declaración de impuestos federal en la sección de ingresos. El monto aparecerá en una línea específica en tu formulario de impuestos. Recuerda de guardar todos tus formularios, incluyendo el formulario 1099-G, junto con el registro de tus impuestos.

Si utilizas TurboTax para presentar tu declaración de impuestos, te preguntaremos acerca de tu ingreso por desempleo y pondremos toda la información en los formularios correctos por ti.

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The above article is intended to provide generalized financial information designed to educate a broad segment of the public; it does not give personalized tax, investment, legal, or other business and professional advice. Before taking any action, you should always seek the assistance of a professional who knows your particular situation for advice on taxes, your investments, the law, or any other business and professional matters that affect you and/or your business.

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