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Ingxaki yenkxaso-mali yomvuzo kunye nokuthotyelwa kwentlawulo esemthethweni: iirhafu ze-trust-fund, imithetho yemivuzo ephambili, kunye nemigaqo yebhulorho kaxakeka.

Amanani kaxakeka ayohluka ngokwamazwe. Eli phepha lisebenzisa u-911, inani laseMelika naseKhanada. Amanye amazwe amaninzi asebenzisa i-112, 999, okanye elinye inani. Fumana inombolo yelizwe lakho.

Ukufumanisa ukuba i-akhawunti yakho yokusebenza yenkampani ayinayo imali yokucima i-payroll ezayo ye-Automated Clearing House (ACH) ibhetshi yenye yezona zinto zisemngciphekweni kakhulu wezomthetho kunye nokusebenza okungxamisekileyo umnini-shishini omncinci anokujongana nayo. Ngokungafaniyo nee-invoyisi zomthengisi wezorhwebo, ukurenta kwezixhobo, okanye irenti yomnini-mhlaba worhwebo, imivuzo yabasebenzi kunye nokubamba irhafu yomvuzo kulawulwa ngamaxesha amisiweyo entlawulo asemthethweni, imithetho yetyala legosa lobuqu, kunye nokunyanzeliswa kobusela boluntu okanye lolwaphulo-mthetho phantse kuwo onke amagunya. Xa ishishini liphoswa ngumhla wokugqibela wokurhola ngaphandle kokwenza iprotocol yokuthotyelwa ngokusesikweni, abanini bajongana ngokukhawuleza nomonakalo ophindwe kathathu, izohlwayo zexesha lokulinda ezisemthethweni ngosuku, uvavanyo lwerhafu lomntu olungahlawulelwayo, kunye nokurhoxa kwangoko okutshabalalisa ixabiso eliseleyo leshishini.

Ukulawula i-acute payroll liquidity crisis kufuna ukuvavanywa ngokukhawuleza kwezemali ngexesha leeyure ezingama-48 ukuya kwezingama-72 phambi kokuba kucinywe ukuhanjiswa kwediphozithi ngqo. Ngokumisa konke ukuphuma komthengisi ongekho semthethweni, ukwahlula amatyala erhafu yenkxaso-mali phantsi kweKhowudi yeNgeniso yaNgaphakathi yeCandelo 6672 (kunye nezilingana namazwe ngamazwe), ukubeka phambili uxanduva lomvuzo ophantsi osemthethweni ukuze kuthintelwe ukungaphumeleli koMthetho weMigangatho yeMigangatho yoMsebenzi oLungileyo, ukugcina iibhulorho ezisemthethweni zexesha elifutshane ngaphandle kokutyikitya ingeniso yemali eqokelelweyo, iinkokeli zoshishino kunye nabasebenzi abachaphazelekileyo. ziqulathe ukuvezwa ngokusemthethweni kunye nokuzinzisa imisebenzi.

Yenza oku ngoku

  1. Gcina ukhuseleko oluphathekayo kwindawo yokusebenza kunye nokulungela ukuthunyelwa kongxamiseko. Ukungaphumeleli kwemivuzo yoxinzelelo oluphezulu, ukudendwa ngequbuliso, okanye ukuvalwa kwezakhiwo ngequbuliso kunokubangela unxunguphalo oluqatha okanye ukujongana ngezikhondo zamehlo kwindawo; ukuba nabani na ufumana ingxaki yonyango okanye woyikeka ngokwasemzimbeni, fowunela inombolo yakho kaxakeka yasekuhlaleni (911 eUnited States naseKhanada, 112 kulo lonke elaseEuropean Union, 999 eUnited Kingdom, okanye ubone zonke amanani kaxakeka).
  2. Hlola iAutomated Clearing House (ACH) yakho yokuvala umvuzo ngoko nangoko. Qhagamshelana neprosesa yakho yomvuzo (efana ne-ADP, Gusto, Paychex, okanye Rippling) ubuncinane kwiiyure ezingama-48 ukuya kwezingama-72 phambi kosuku lokurhola ukuze uqinisekise eyona yure i-akhawunti yakho itsalwa ngayo; Ungaze uvumele ibhetshi yomvuzo ozenzekelayo ukuba igxumeke kwiiNgxowa-mali ezingaBaneliyo (NSF), nto leyo imisa iqonga lesoftware yakho yomvuzo kwaye ivuse izohlwayo zebhanki.
  3. Ukumisa yonke into engeyomfuneko kunye nomthengisi ophumayo we-ACH namhlanje. Ukumisa ngokukhawuleza zonke iintlawulo zabathengisi ezizenzekelayo, ukubhaliswa kwesofthiwe, ukutsalwa komnini, iibhonasi zesigqeba, ukuhlawula kwangaphambili imali mboleko yorhwebo, kunye nokudluliselwa kwerenti yomnini-mhlaba ukugcina i-100 ekhulwini lemali ekhoyo kwi-akhawunti yokuhlawula okunikezelweyo.
  4. Ungaze uchithe iirhafu ezibanjiweyo zokuhlawula imivuzo eshiyekileyo okanye amatyala okusebenza. Gcina iintsilelo zerhafu yengeniso yabasebenzi kunye nokuxhuzulwa kwe-FICA/nokhuseleko loluntu kwahlulwe ngokungqongqo; ukusebenzisa irhafu ebanjiweyo ekuhlawuleni intlawulo yokusa ekhaya kubangela i-100 lepesenti yomntu ngamnye, iTrust Fund Recovery Penality engakhutshwayo kumagosa enkampani kunye nabasayinileyo.
  5. Misa ubuncinci bomvuzo osemthethweni kunye nokhetho lwentlawulo oluyinxenye phambi komhla wokurhola. Ukuba intlawulo epheleleyo ayinakuxhaswa ngezimali, dibana nabacebisi bezengqesho ukuze baqinisekise ukuba ukukhupha iintlawulo kwangexesha ezilingana nobuncinci bomvuzo ophantsi osemthethweni kunye norhulumente (kunye nazo zonke iiyure zexesha elongezelelekileyo) kubasebenzi beyure abangaxolelwanga banokuthomalalisa umonakalo opheliswe ngumanyano ngelixa intsalela ivaliwe.
  6. Umba obhaliweyo, isaziso sobunyani esiya kubasebenzi phambi kokuba iidipozithi zabo ngqo zitshone. Ungaze uvumele abasebenzi ukuba bafumanise umvuzo owuphosileyo ngokutshekishwa kwerenti okanye amakhadi edebhithi awaliweyo ngentsasa yokurhola; hambisa ingxelo ecacileyo ebhaliweyo echaza elona xesha lichanekileyo lokuhlawula, indlela imivuzo eqokelelweyo erekhodwa ngayo, kunye nendlela imirhumo ye-ovadrafti yebhanki ebangelwe lulibaziseko oluya kubuyiselwa ngayo.

Ungaze usebenzise iirhafu ezibanjwayo njengenkunzi yokusebenza

Ukubanjelwa irhafu yengeniso yabasebenzi, uKhuseleko lweNtlalo, iMedicare (eUnited States), Hlawula Njengoko Urhola (iPAYE) kunye ne-Inshurensi yeSizwe (eUnited Kingdom), okanye ukutsalwa kwePension Plan yaseKhanada ayiloshishini. Bagcinwe kwi-stutory fiduciary trust kurhulumente. Ukuba uhlawula imivuzo yesatha kubasebenzi kwi-akhawunti yebhanki ephelelweyo ngelixa usilela ukubuyisela iirhafu zokuhlawula ezihambelanayo, abasemagunyeni berhafu banokugqobhoza isigqubuthelo senkampani kwaye bahluthe ii-akhawunti zebhanki zobuqu, amakhaya, kunye nomvuzo wakhe wonke umntu owayenegunya kwiimali zenkampani, nokuba iqumrhu kamva lifake iifayile zokubhanga.

Ingxaki yokuhlawula amatyala kunye nomthi wesigqibo sokuthotyelwa kwemithetho

flowchart TD
    Start["Iiyure ezingama-72 phambi koMhla wokuHlawula: Kuchongiwe ukushota kweMali okuSebenzayo"] --> CheckCash{"Ngaba umvuzo ogcweleyo opheleleyo + iirhafu zetrasti zinokugutyungelwa ngokuvavanywa kwemali kwangoko?"}
    CheckCash -->|"Ewe"| TriageCash["Misa zonke iintlawulo zabathengisi, utsalo lomnini, kunye ne-auto-debits<br/>Ukukhawulezisa ukuqokelelwa kwe-A/R okanye uzobe iLOC esele ikhona<br/>Fund full gross payroll kwaye uhlawule zonke iirhafu zetrust ngexesha"]
    CheckCash -->|"Hayi"| StopACH["Rhoxisa iBatshi yeDiphozithi eZisebenzelayo ngokuNgqongileyo phambi koMcuphi weProsesa<br/>Thintela ukubuyiswa kwe-NSF yebhanki kunye nokumiswa kweakhawunti yeprosesa"]

    StopACH --> PartialCheck{"Ngaba ikhona imali eyaneleyo yokuhlawula umvuzo ophantsi osemthethweni + iirhafu zetrasti?"}
    PartialCheck -->|"Ewe"| RunMinimum["Qhagamshelana nabacebisi bezengqesho malunga neMivuzo ephantsi yoKhuseleko loMvuzo<br/>Hlawula abasebenzi abangaxolelwanga ixesha elongezelelekileyo + nomthetho omncinane womvuzo osemthethweni<br/>Yahlula kwaye uthumele i-100% yerhafu yentlawulo yetrust-fund enxulumeneyo"]
    PartialCheck -->|"Hayi"| ViabilityCheck{"Ngaba iimali ezifunyenweyo eziqinisekisiweyo okanye inkunzi yebhulorho iza kufika phakathi kweentsuku ezi-5 zokusebenza?"}

    RunMinimum --> IssueNotice["Hambisa iSaziso sokuLibaziseka koMvuzo oBaliweyo phambi koMhla wokuHlawula<br/>Uxwebhu lokwahluka kwemivuzo engekahlawulwa njengetyala eliphambili<br/>Zibophelele ekubuyiseleni abasebenzi abaqinisekisiweyo imirhumo yebhanki ye-NSF"]

    ViabilityCheck -->|"Ewe"| IssueNotice
    ViabilityCheck -->|"Hayi"| StopWork["Ukurhoxisa Imisebenzi Engaxhaswanga Ngenkxaso-mali Ngokukhawuleza<br/>Qalisa ukubekelwa bucala okwexeshana okuthobelayo okanye ukuyeka <br/>Ungaze uvumele abasebenzi ukuba basebenze iiyure zokusebenza inkampani ekwaziyo ukuba ayinakuhlawula."]

Inqanaba loku-1: Iiyure ezingama-72 zovavanyo lwemali yokuhlawulwa kwangaphambili kunye ne-ACH cutoff mechanics

Uninzi lwamashishini amancinci naphakathi aqhubela phambili intlawulo ngokusebenzisa ababoneleli be-third party cloud payroll abasebenzisa iintsuku ezimbini okanye ezine-Automated Clearing House (ACH) ifestile yokuhlala. Ukuqonda ukuba iimali ezitsalwayo zidibana njani neenkqubo zebhanki zorhwebo kubalulekile ukuze kuthintelwe ukutshixeka kwezemali.

Zisebenza njani iintlawulo ze-ACH kunye nokuvalwa kwe-NSF

  1. Ifestile yokutsalwa kwentlawulo yakho: Ukuba usuku lwakho lokurhola olucwangcisiweyo ngulwesiHlanu, isoftwe yakho yomvuzo idla ngokuvala amahlelo omvuzo wakho ngo-16:00 okanye ngo-17:00 ngoLwesibini okanye ngolwesiThathu ize iqalise ukutsalwa kwentlawulo ye-elektroniki kwiakhawunti yakho yokutshekisha intengiso kusasa ngoLwesithathu.
  2. Isiphumo sokungaxhaswa ngemali kwe-ACH bounce: Ukuba uvumela iprosesa yomvuzo ukuba ingenise idebhithi ezenzekelayo xa ibhalansi yebhanki yakho ingonelanga, ibhanki yakho ayiyi kuthoba idebhithi ( debit ).R01 Insufficient Funds okanye R09 Uncollected Funds). Okwangoku, kwezinye iimodeli zokulungisa ngokukhawuleza, iprosesa inokuba sele ifake iifayile zekhredithi kwiibhanki zabasebenzi, okanye iya kuzibuyisela ngokukhawuleza.
  3. Ukupheliswa kweprosesa kunye nokuvalwa ngocingo kuphela: Nje ukuba inkampani ikhuphe idebhithi yenkxaso-mali yomvuzo, phantse wonke umniki-nkonzo ohlawula ngokukhawuleza unqumamisa iakhawunti yomqeshi, acime amalungelo edipozithi ngqo kwiinyanga ezi-6 ukuya kwezili-12, imirhumo yovavanyo yesohlwayo ukusuka kwi-100 ukuya kwi-500 yeedola zase-United States (okanye iimali zasekhaya kufuneka zihlawulwe ngexa elizayo). Udluliselo lwefowuni yebhanki yosuku olunye (Fedwire okanye CHAPS) Iiyure ezingama-72 kwangaphambili.
  4. Ukucinywa kwebhetshi esebenzayo: Ukuba imali ayizi kubakho ebhankini ngolwesithathu ukuvalwa kwedebhithi, ngena kwiphothali yakho yomvuzo phambi kokuba kuqale iyure evaliweyo uze urhoxise okanye ubambe ibhetshi ye-ACH ezenzekelayo. Ukutshintshela kwiitshekhi ze-payroll zamaphepha, ukukhutshwa ngokukhawuleza kwe-push-to-debit ngosuku olunye, okanye iingcingo zebhanki ezithe ngqo kukunika iiyure ezingama-36 ukuya kwii-48 ezongezelelweyo (de kube ngoLwesihlanu kusasa) ukuqokelela iimali ezifunyenwe ngokukhawuleza ngaphandle kokubangela ukusilela okuzenzekelayo kwe-ACH.

Ukugcinwa kwemali kwangoko kunye nokwahlulwa kweakhawunti

Umzuzwana xa kuvela ukusilela kumvuzo wakho kuqikelelo lwemali ekhoyo yeeveki ezili-13, yenza umiselo lwenkcitho kaxakeka kumbutho wonke:

  • Rhoxisa iidebhithi zomthengisi ezizenzekelayo: Ngena kwi-portal yakho kanondyebo worhwebo kwaye ubeke ii-odolo zokuyeka intlawulo okanye i-ACH debit block ekutsalweni okuphindaphindayo okungekho semthethweni, kubandakanywa ababoneleli be-inventri, imirhumo ye-SaaS, iiplatifti zentengiso ye-ad-spend, kunye nokuhlawula okuzenzekelayo kwekhadi letyala.
  • Misa umnini kunye nembuyekezo yesigqeba ngoko nangoko: Phantsi kwemithetho yomibini yengqesho kunye nokutshona kwemithetho yotshintshiselwano ngobuqhophololo, abanini bamashishini, abalawuli, kunye namaqabane eequity kufuneka banciphise eyabo imivuzo nembuyekezo yeendleko ibe ngunothi phambi kokulibazisa idola enye yomvuzo wabasebenzi ongekho kwisigqeba solawulo.
  • Vula okanye usebenzise i-Akhawunti yeTrust ezinikeleyo yoHlulo: Ukuba i-akhawunti yakho ephambili yokusebenza ibhentsiswe kukutshayela ngokuzenzekelayo ngumbolekisi wezorhwebo, i-merchant cash advance (MCA) iidebhithi zemihla ngemihla, okanye iirhafu zomthengisi, hambisa iimali ze-payroll kwi-akhawunti yokutshekisha eyohlukileyo, ezinikeleyo yokuhlola i-peyroll engenazigunyaziso zomntu wesithathu ezincanyathiselwe kuyo.
  • Yenza izaphulelo zentlawulo ekhawulezileyo kwiiAkhawunti eziFumanayo (A/R): Qhagamshelana nabathengi bakho abathathu abaphezulu abafanele ukuhlawulwa ngetyala ababambe ii-invoyisi ezivunyiweyo, ezingenakuphikiswa ekufuneka zihlawulwe phakathi kweentsuku ezili-15 ukuya kwezingama-45. Nikeza isaphulelo esikhawulezileyo se-2 ukuya kwi-5 yepesenti ye-invoyisi ngokutshintshiselana ngocingo lwebhanki yosuku olunye olugqityiweyo kwiiyure ezingama-24.

Inqanaba lesi-2: Iirhafu ze-Trust-fund payroll kunye ne-personal officer liability

Xa imali inqongophele, abanini bamashishini abaphelelwe lithemba badla ngokwenza impazamo yokubala intlekele: bajonga inombolo ethi "Net Payroll" (eyona mali yokugoduka nayo ifakwe kwiiakhawunti zebhanki zabasebenzi) kunenombolo ethi "Gross Payroll plus Employer Taxes", kwaye basebenzise imali yabo eseleyo ukuhlawula umqeshwa intsalela yokusa ekhaya ngelixa beshiya abasemagunyeni berhafu bengahlawulwa.

Ukuqonda iTrust Fund Recovery Penalty (IRC Section 6672)

Kuyo yonke imimandla emikhulu, irhafu yokuhlawula yahlulwe yangamacandelo amabini ahlukeneyo asemthethweni:

ICandelo leRhafu yeRhafu EUnited States (IRS) eUnited Kingdom (HMRC) IKhanada (CRA) / iManyano yaseYurophu Ukuhlelwa ngokwasemthethweni kunye neGosa loButyala boBuqu
IiNgxowa-mali eziBanjelwe ngabasebenzi (Iirhafu zeNgxowa-mali yeTrust) IRhafu yoMvuzo woBurhulumente iBanjiwe + isiqingatha soMsebenzi woKhuseleko lweNtlalo (6.2%) kunye neMedicare (1.45%) Umqeshwa PAYE iRhafu yeNgeniso + yaBasebenzi abaPhambili beKlasi yoku-1 ye-Inshurensi yeSizwe Irhafu yeNgeniso yomSebenzi + ukutsalwa kwe-CPP yaBasebenzi kunye ne-EI IiNgxowa-mali ze-Statutory Fiduciary Trust: I-100% yemfanelo yomntu ngamnye, edibeneyo kunye neliqela kubo bonke "abantu abanoxanduva" ukuba abahlawulwa ngabom. Ayinakukhutshelwa kwi-bankruptcy.
Imirhumo yoMrholo woMqeshi Umqeshi ohambelana nesiqingatha seFICA (7.65%) + Federal/State Unemployment (FUTA/SUTA) Umqeshi weSekondari yoDidi loku-1 lwe-Inshurensi yeSizwe (13.8%) + iLevy yoKuqeqeshelwa umsebenzi I-CPP yoMqeshi (1.0x) kunye ne-EI (1.4x) iminikelo ehambelanayo ITyala leRhafu yoShishino: Isibophelelo esingundoqo, nangona ukuphepha ngabom okanye ubuqhophololo bokungakwazi ukuhlawula amatyala kusenokubangela isaziso setyala lomlawuli kwiindawo ezininzi zolawulo.

Ngaphantsi IKhowudi yeNgeniso yeNgeniso yangaphakathi (IRC) yeCandelo 6672 eUnited States (iSigwebo sokuBuyiselwa kweNgxowa-mali yeTrust okanye i-TFRP), iCandelo le-227.1 loMthetho weRhafu yeNgeniso eKhanada, kunye IZaziso zoButyala boMntu (PLNs) ezikhutshwe yi-HM Revenue and Customs e-United Kingdom:

  1. Ngubani "uMntu onoxanduva"?: Ubutyala bomntu abuphelelanga kwiGosa eliLawulayo eliyiNtloko okanye uninzi lwabaninizabelo. Naliphi na igosa lequmrhu, umlawuli, ilungu elilawulayo le-LLC, iGosa lezeMali eliyiNtloko, umlawuli, umgcini-zincwadi, okanye ilungu lebhodi elinegunya lokutyikitya kwii-akhawunti zebhanki okanye igunya lokugqiba ukuba ngabaphi ababolekisi abahlawulwayo ngokusemthethweni "ngumntu onoxanduva."
  2. Kubandakanya ntoni "Intando"?: Urhulumente akufuneki abonakalise injongo ekhohlakeleyo okanye ubuqhophololo berhafu ukuze avavanye i-100 lepesenti yesohlwayo somntu. Phantsi komthetho werhafu ozinzisiweyo, "intando" isekwa ngexesha umntu onoxanduva aziyo ukuba irhafu yokuhlawula kufuneka ihlawulwe kwaye akhethe ukuhlawula nawuphi na omnye umntu otyalwayo (kuquka umnini-mhlaba, inkampani esetyenziswayo, ababoneleli ngezinto ezikrwada, okanye kwanomvuzo oshiyekileyo wabasebenzi abasa ekhaya) endaweni yokuhlawula irhafu ebanjiweyo kurhulumente.
  3. **Kutheni i-bankruptcy ingakukhuseli **: Nokuba i-LLC yakho okanye iqumrhu livale phantsi kunye neefayile zeSahluko sesi-7 okanye iSahluko se-11 sokubhangisa, iTrust Fund Recovery Penalty iyasinda ngokuchasene nawe buqu. Ayinakukhutshwa kwiSahluko sesi-7 somntu. Amagosa engeniso angafaka ikhonkco lerhafu yomanyano kwindawo yakho yokuhlala, ahombise umvuzo wakho wexesha elizayo kumsebenzi omtsha, kwaye ahlawulise iiakhawunti zakho zokujonga kunye nomhlalaphantsi.
  4. Umgaqo wenkxaso-mali we-ironclad payroll funding: Ungaze uhlawule idola yomvuzo oshiyekileyo ngaphandle kokuba kwangaxeshanye ubeke bucala kwaye ukhuphe ipesenti yemathematika echanekileyo yokubamba irhafu ye-trust-fund edityaniswe kuloo dollar yomvuzo. Ukuba une-50,000 yeedola kuphela ebhankini, loo 50,000 yeeDola kufuneka ihlawule umvuzo opheleleyo kunye neentlawulo zerhafu zomvuzo omncinci okanye inxalenye yomvuzo, ungaze ube nama-50,000 eedola zetshekhi enedipozithi enguziro.

Isigaba sesi-3: Ukuthotyelwa kwentlawulo yemivuzo ye-Federal, karhulumente, kunye nehlabathi jikelele

Ukungaphumeleli ukuhlawula imivuzo efunyenweyo ngosuku lokurhola olucwangcisiweyo rhoqo olugximfizwe kwi-stubs yemivuzo yabasebenzi kwaphula imithetho yemivuzo esemthethweni kunye neyure. Nangona kunjalo, indlela ocwangcisa ngayo ukulibaziseka okanye intlawulo yokuhlawulwa ngokuyinxenye itshintsha kakhulu ukuvezwa kwakho ngokwasemthethweni.

UMthetho weMigangatho yoMsebenzi oLungileyo (i-FLSA) imithetho yentlawulo ekhawulezileyo (eUnited States)

Phantsi kweUnited States uMthetho weMigangatho yoMsebenzi oFair (FLSA) kunye neekhowudi zabasebenzi ezinxuseneyo:

  • Umgaqo wokuncamathisela kwePayday: Iinkundla zenkundla zifumanise ukuba umqeshi wophula iFLSA ukuba uyasilela ukuhlawula ubuncinane umvuzo ophantsi osemthethweni womanyano (kunye nawo wonke afunyenwe ixesha elongezelelekileyo ngokuphindwe ka-1.5 kunomlinganiselo oqhelekileyo) ngosuku lokurhola olucwangcisiweyo oluqhelekileyo lwaloo veki yomsebenzi. Nokuba umqeshi uhlawula abasebenzi ngokupheleleyo kwiintsuku ezine emva koko, intlawulo kade ngokobuchule kukulibaziseka okungekho mthethweni phantsi kweFLSA, enika umqeshwa ilungelo lokumangalela i-100 lepesenti yomonakalo ohlawulweyo (iphindwe kabini imali engekahlawulwa) kunye neentlawulo ezinyanzelekileyo zegqwetha lommangali.
  • Ukungakhululi (Ngeyure) vs. Ukubekwa phambili (Okuhlawulwayo) kuMvuzo:
  • Abasebenzi beyure abangaxolelwanga: Kufuneka bahlawulwe ngeyure nganye echanekileyo esetyenziweyo. Ukuba kufuneka uqhube i-payroll engxamisekileyo, amagqwetha engqesho ahlala ecebisa ukuhlawula abasebenzi beyure abangahlawulwanga i-100 ekhulwini leeyure zabo ezisebenza ngowona mgangatho uphezulu womvuzo osebenzayo we-federal, karhulumente, okanye kamasipala (kunye nazo naziphi na iipremiyamu zexesha elongezelelekileyo), ngelixa ebhala umahluko oseleyo womvuzo njengento ephambili ehlawulwa kwangoko ukuze ihlawulwe ngeentsuku.
  • Abasebenzi abahlawulwayo (abaLawulayo, abaLawulwayo, abaNgcali): Phantsi kweFLSA "yovavanyo olusisiseko somvuzo" (29 CFR 541.602), abasebenzi abaxolelweyo bafanele bafumane umvuzo wabo opheleleyo omiselweyo kuyo nayiphi na iveki yomsebenzi abenza ngayo nawuphi na umsebenzi, kungakhathaliseki ukuba zingaphi na iintsuku okanye iiyure ezisetyenziweyo. Ukumisela ngokungekho mthethweni umvuzo wabasebenzi oxolelwe kangangeveki ethile kutshabalalisa iwonga labo lokuxolelwa, kubaguqulela ngokuphindaphindiweyo ukuba babe ngumsebenzi weyure ofanele ukuhlawulwa emva kwexesha elongezelelekileyo. Nangona kunjalo, umqeshi angakhupha ngokusemthethweni umqeshwa okhululweyoiveki epheleleyo yomsebenzi (iintsuku ezisixhenxe ezilandelelanayo apho umqeshwa esenza umsebenzi ongunothi, ajonge ii-imeyile ezithi zero, aze atsale umnxeba onguziro) ngaphandle kokutyala umvuzo waloo veki.

Izohlwayo zokubiwa kwemivuzo karhulumente neyesizwe kunye nokuphindaphinda ixesha lokulinda

Amagunya amaninzi anyanzelisa ukuphindaphinda okuzenzekelayo okuzenzekelayo xa iitshekhi zifike emva kwexesha, zibhatelwe, okanye zingahlawulwanga ekuyekisweni kwayo:

Amandla olawulo / Isakhelo esisemthethweni Isohlwayo esiQhelekileyo sokulibaziseka koSuku lokuHlwa Umhla wokugqibela wokuTyelwa kwentlawulo (Ukupheliswa / ukuyekiswa) IGosa loButyala boBuqu kwiMivuzo engekahlawulwa
I-FLSA yoMdibaniso (eUnited States) I-100% yomonakalo ogqityiweyo (umonakalo ophindwe kabini) + iimali ezinyanzelekileyo zamagqwetha Usuku lokurhola olucwangcisiweyo olulandelayo Ewe; abantu abanolawulo lokusebenza kwingqesho kunye nemivuzo "ngabaqeshi" ngokobuqu phantsi kweCandelo lama-203(d) leFLSA.
IKhowudi yezaBasebenzi yaseCalifornia (Iicandelo 201 ukuya ku-203, 558.1) I-$ 100 ukuya kwi-$ 200 ngomsebenzi ngamnye ngexesha lentlawulo + 25% yomvuzo obanjwe ngokungekho mthethweni Ngoko nangoko ngexesha lokuyeka emsebenzini okanye ukuyeka emsebenzini (iiyure ezingama-72 ukuba umqeshwa uyeka ngaphandle kwesaziso) Ewe (IKhowudi yezaBasebenzi 558.1): Abanini, abalawuli, kunye namagosa bajongene nobutyala bomntu kunye nolwaphulo-mthetho + ukuya kutsho kwiintsuku ezingama-30 zomvuzo opheleleyo wemihla ngemihla "izohlwayo zexesha lokulinda."
Umthetho wezoMsebenzi waseNew York (inqaku le-6, iCandelo le-198) I-100% yomonakalo ogqityiweyo (ukuya kuthi ga kwi-300% yokwaphulwa ngabom) + 16% inzala Usuku lokurhola olucwangcisiweyo olulandelayo Ewe: Amalungu ali-10 aphezulu e-LLC okanye abaninizabelo abaphezulu abali-10 beshishini elibambene ngokusondeleyo banoxanduva lobuqu lomvuzo ongahlawulwanga.
UMthetho woMvuzo waseMassachusetts (M.G.L. c. 149, iCandelo 148) IiNzakalo eziSinyanzeliso zeTreble (imivuzo eyi-3x); ukholo oluhle okanye ukunqongophala kwemali ayilokhuselo lomthetho Ngoko nangoko ngosuku lokukhutshwa okanye lokuyeka emsebenzini Ewe: Umongameli weNkampani, unondyebo, kunye nalo naliphi na igosa elilawula ikomishini banoxanduva olungqongqo kunye nolwaphulo-mthetho.
United Kingdom (uMthetho wamaLungelo eNgqesho ka-1996) Ukuxhuzulwa ngokungekho mthethweni kwibango loMvuzo kwiNkundla yezeNgqesho + imbuyekezo yelahleko yemali yabasebenzi (iimali zebhanki) Umjikelo olandelayo oqhelekileyo wokurhola (ukungasebenzi ngokusemthethweni kunye nomvuzo weholide oyongezelelekileyo) Abalawuli banokujongana nokungafaneleki kunye noxanduva lobuqu ukuba barhweba ngokungalunganga ngelixa bengakwazi ukuhlawula amatyala (uMthetho wokuNgeniswa kokuhlawula amatyala ka-1986).
Canada (iMithetho yeMigangatho yeNgqesho kwiPhondo) Izohlwayo zolawulo + imiyalelo esemthethweni yokubuyisela imivuzo kunye nenzala Ngokuqhelekileyo phakathi kwe-3 ukuya kwiintsuku ze-7 zokupheliswa ngokuxhomekeke kwiphondo (umzekelo, i-Ontario ESA) Ewe: Abalawuli bamashishini banoxanduva lobuqu lokuya kutsho kwiinyanga ezi-6 zomvuzo wabasebenzi abangahlawulwayo kunye neenyanga ezili-12 zomvuzo oqokelelweyo weholide.

Ungaze ukhuphe intlawulo yephepha usazi ukuba iya kubhampa

Phantse kuwo onke amazwe kunye nelizwe, ukunikezela ngetshekhi yokuhlawula umqeshwa ngephepha xa umsayini esazi ukuba i-akhawunti yebhanki yenkampani ayinayo imali eyaneleyo yokucima ayisiyongxabano nje yomvuzo woluntu; utshutshiswa njengolwaphulo-mthetho lokujonga kakubi okanye ubuqhetseba obugwenxa. Ukongeza, ungaze ucele umqeshwa ukuba "abambe le tshekhi kude kube ngolwesiThathu phambi kokuba ayifake." Phantsi komthetho webhanki, itshekhi sisixhobo semfuno esihlawulwa ngoko nangoko.

Inqanaba lesi-4: Ukuthintela "ukungabikho kwexesha" okanye umsebenzi orhoxisiweyo womvuzo

Xa ishishini elincinane lifumana imali eninzi kakhulu, abaphathi abathembekileyo okanye abasebenzi badla ngokuzinikela ukuba baqhubeke besebenza “de isheke yeklayenti enkulu iphele kwinyanga ezayo,” okanye abanini bacele abasebenzi ukuba bamkele “intlawulo emisiweyo” engacwangciswanga ukuze bafumane iibhonasi zexesha elizayo okanye ubulungisa.

Kutheni ukurhoxiswa kwamavolontiya kunye nokusebenza ngaphandle kwentlawulo akukho mthethweni

  1. Abasebenzi abanakurhoxisa ngokusemthethweni imithetho yemivuzo neyure: Phantsi kweNkundla ePhakamileyo (Brooklyn Savings Bank v. O'Neil) kunye neekhowudi zengqesho ezisemthethweni kwihlabathi jikelele, umqeshwa akanakutyikitya ngokusemthethweni ilungelo lakhe lokufumana owona mvuzo uphantsi ngexesha kunye nomvuzo wexesha elongezelelekileyo. Nokuba wonke umqeshwa usayine isivumelwano esingabhaliswanga esivuma ukusebenzela simahla iiveki ezimbini ukunceda ukusindisa inkampani, loo mvumelwano ayivumelekanga ngokusemthethweni xa ifika. Nawuphi na umqeshwa othi emva kwexesha emke phantsi kwemiqathango engalunganga angafaka isikhalazo kwiSebe lezeMisebenzi aze abuyise i-100 lepesenti yaloo mivuzo kunye nomonakalo ophindwe kabini okanye kathathu osemthethweni.
  2. Ukuguqulwa kwabasebenzi ngokungekho mthethweni babe ziikontraka ezili-1099 ezizimeleyo: Ungaze uzame ukugqitha idiphozithi yerhafu yomvuzo ngexesha lemali enzima ngokuthi ngequbuliso uhlele kwakhona abasebenzi be-W-2 (okanye iPAYE) njenge-1099 yeekontraka ezizimeleyo. Ukuhlelwa ngendlela engeyiyo kubangela uphicotho lwerhafu oluzenzekelayo kunye nolurhulumente, uvavanyo lwe-inshorensi yokungaphangeli ebuyela emva, kunye nemiyalelo yokuyeka umsebenzi wembuyekezo yabasebenzi.
  3. Xa kufuneka umise iwotshi (Compliant Furlough vs. Layoff): Ukuba uye waqinisekisa ukuba akukho zifunyenweyo, iintambo zetyala, okanye iinaliti zabanini benkunzi ziya kufika kwangethuba ukuze uxhase ngemali iveki ezayo yomsebenzi, kufuneka uyalele abasebenzi ukuba bayeke ukusebenza phambi kokuba bongeze iiyure ongakwazi kuzihlawula. Ukuvumela abasebenzi ukuba baqhubeleke nokusebenza xa abaphathi besazi ukuba inkampani ayinakuhlawula matyala kwaye ayinakukwazi ukuxhasa ngemali uluhlu lwemivuzo kuveza amagosa equmrhu kubuqhophololo boluntu kunye neentlawulo zobusela bolwaphulo-mthetho.
  4. Jonga imithetho ekhawulezileyo yokuhlawula isheke ngaphambi kokuba ugxothe abasebenzi: Phambi kokwenza umsebenzi kaxakeka okanye ukupheliswa kwiindawo ezifana neCalifornia, Massachusetts, Colorado, okanye Nevada, qinisekisa ukuba umthetho welizwe ufuna ipesenti ezili-100 zemivuzo efunyenweyo kunye neholide engasetyenziswanga/PTO ukuba ihlawulwe esandleni ngalo mzuzu wokuyeka emsebenzini. Ukuba ugxotha umsebenzi eCarlifonia ngolwesiHlanu ngaphandle kokubanika itshekhi yabo yokugqibela kwalapho, umvuzo wemihla ngemihla womqeshwa uyaqhubeka nokusebenza njengesohlwayo esisemthethweni "sokulinda ixesha" ukuya kuthi ga kwiintsuku ezingama-30 zekhalenda ezilandelelanayo.Labor Code Section 203).

Inqanaba lesi-5: Ibhulorho yomvuzo kaxakeka yenkxaso-mali ngokuchasene nemigibe yamarhamncwa

Ukuba imodeli yeshishini lakho elisisiseko linengeniso kwaye ukushokoxeka komvuzo kubangelwa ngumsantsa wexesha ongqinisisekayo (njengorhulumente ofanele ukuhlawulwa ngetyala okanye umxhasi weshishini ohlawula i-net-60 endaweni ye-net-30), unokuvala umsantsa usebenzisa inkxaso-mali yexesha elifutshane. Nangona kunjalo, ukuboleka ukuboleka ngexesha lokurhoxa kweeyure ezingama-48 kudla ngokutshabalalisa amashishini amancinci ngokusisigxina.

Iindlela ezikhuselekileyo xa kuthelekiswa neendlela ezitshabalalisayo zenkxaso-mali yomvuzo kaxakeka

  1. I-Invoice Factoring eQinisekisayo / i-Akhawunti eziFumana imali (iBhulorho eKhuselekileyo):
  2. Ukuba ubambe i-B2B epheleleyo, engathandabuzekiyo okanye ii-invoyisi zikarhulumente, inkampani esemthethweni yokuthengisa izinto okanye umbolekisi osekelwe kwi-asethi unokuqhubela phambili i-80 yeepesenti ukuya kwi-90 yeepesenti yexabiso le-invoyisi ngokugqithiselwa ngocingo kwiiyure ezingama-24 ukuya kwezingama-48.
  3. Ngenxa yokuba imali ehlawulwa kwangaphambili ihlawulwa ngokuthe ngqo ngumthengi wakho xa i-invoyisi ivuthwa kwiintsuku ezingama-30 ukuya kwezingama-60, ayiluxanduva lwakho lwemihla ngemihla lokuhamba kwemali kunye nenkonzo yamatyala adityanisiweyo.
  4. UMnikazi / uMnini-sabelo ngokusesikweni oBonelekileyo (iBhulorho eKhuselekileyo):
  5. Ukuba umnini okanye umtyali-mali ufaka imali yakhe kwi-savings okanye umgca wetyala lomntu siqu ukuze ahlawule umvuzo, ** ungaze udlulise imali nje ngokungaqhelekanga ngaphandle kwamaphepha **.
  6. Ukuphumeza ngokusesikweni, evunywe yibhodi Inqaku lesithembiso elibhala udluliselo njengemali mboleko yeshishini yexesha elifutshane (okanye umnikelo oyinkunzi), kwaye udlulisele imali ngqo kwiAkhawunti yeTrasti yePayroll enikezelweyo ukuze abatyalwayo ngokubanzi bangabinako ukuyitshayela.
  7. IProsesa yoHlulo lweXesha eliFutshane leNkuliso yeNkunzi (uMngcipheko oPhakathi):
  8. Uluhlu lwangoku lokuhlawula ilifu kunye neendawo zokuthengisa (ezifana neGusto, iSquare, iStripe, okanye i-QuickBooks Capital) zibonelela ngenkunzi yokusebenza yexesha elifutshane edibeneyo okanye ibhulorho yomvuzo esekelwe kwivolumu yakho yokucubungula imbali. Uphonononge ulwakhiwo lwentlawulo emiselweyo ngononophelo ukuqinisekisa ukuba alugqithi kumda wakho wengeniso.
  9. IiNkozo zeMali zoMrhwebi (ii-MCAs) (Ingozi eNgamandla):
  10. Gwema inzala ephezulu "imvume yosuku olunye" I-Merchant Cash Advances ehlawulisa amazinga e-1.35 ukuya kwi-1.50 (elingana ne-Annual Percentage Rates ye-80 ekhulwini ukuya kwi-350 yepesenti) kwaye ukhuphe i-automated **i-ACH debits yemihla ngemihla ** rhoqo ngentsasa enye kwi-akhawunti yakho yokutshekisha.
  11. Ukuthatha i-MCA ukuhlawulela i-payroll yangoLwesihlanu iqinisekisa ukuba kumjikelo womvuzo olandelayo weveki ezimbini, ukurhoxa kwe-MCA yemihla ngemihla kuya kuba kukhuphe i-30 yepesenti ukuya kuma-50 epesenti yengeniso yakho engenayo, kukunyanzela ukuba "uqokelele" i-MCA yesibini kwaye ibangele ukufa phakathi kweentsuku ezingama-60.

Khusela ukutsalwa kwenzuzo yabasebenzi (401k, i-inshurensi yezempilo, i-HSA)

Kanye njengerhafu yomvuzo, nayiphi na imali exhuzulwa kumvuzo womqeshwa wama-401(k) isicwangciso somhlalaphantsi, iskim somhlalaphantsi, isavenge seinshorensi yezempilo, okanye ukuhonjiswa kwenkxaso yomntwana ilawulwa yimithetho engqongqo yokuthembeka (efana ne-ERISA eUnited States). Ukungaphumeleli ukudlulisa umqeshwa 401(k) iminikelo kumlondolozi wesicwangciso okanye ukuvumela iqela le-inshorensi yezempilo ukuba iphelelwe ngokufihlakeleyo ngelixa kusaxhuzulwa iintlawulo zezempilo kwi-paystubs zabasebenzi lulwaphulo-mthetho lwe-federal oluphandwa yi-Employee Benefits Security Administration (EBSA).

Inqanaba lesi-6: Unxibelelwano oluselubala lwabasebenzi kunye nolawulo lomonakalo

Ukuba ukulibaziseka komvuzo akunakuphepheka nangona yonke imilinganiselo yokulinganisa imali, indlela onxibelelana ngayo nabasebenzi bakho imisela ukuba abasebenzi bakho abaphambili bahlala ukuze bancede ukubuyisela ishishini okanye baphume baze bafake izikhalazo zebhodi yezabasebenzi ngaphakathi kweyure.

Iprotocol yonxibelelwano ngamanyathelo

  1. Yazisa abasebenzi PHAMBI kokuba usuku lokurhola lufike: Ungaze ulinde kude kube ngoLwesihlanu kusasa xa abasebenzi bebona idipozithi enguziro kwii-apps zabo zebhanki eziphathwayo. Nxibelelana ngokukhawuleza nje ukuba i-ACH cutoff iphosiwe (ngokufanelekileyo emva kwemini ngoLwesithathu okanye kusasa ngoLwesine).
  2. Dibana nabaphathi kuqala, emva koko uthethe nabo bonke abasebenzi ngokuthe ngqo: Iintloko zesebe ezimfutshane ukuze zingamfanyekiswa yimibuzo enomsindo, emva koko ubambe intlanganiso ethe ngqo, yenkampani ngokubanzi (elandelwa ngoko nangoko ngesiqinisekiso esibhaliweyo se-imeyile) ekhokelwa yi-CEO okanye umnini buqu. Ungaze unikeze isibhengezo somvuzo ophosiweyo kumququzeleli wecandelo lezabasebenzi okanye umyalezo ozenzekelayo.
  3. Bonelela ngendlela ebambekayo, ixesha elingqinisisekayo kunye nendlela: Abasebenzi abafuni zingxengxezo ezingacacanga; kufuneka bazi ukuba bafowunele umnini-mhlaba okanye inkampani yokubambisa. Chaza eyona nyaniso: *"Ngenxa yokulibaziseka kocingo olusuka [kuMthengi/Udidi oluFumanayo], ngoLwesihlanu iidiphozithi ezizenzekelayo ezizenzekelayo azikwazanga kungeniswa phambi kokuvalwa kwebhanki ngolwesiThathu. Sikhupha iitshekhi / iintlawulo zengcingo ze [X ekhulwini / ubuncinci obusemthethweni] ngomso kusasa, kwaye ibhalansi eseleyo ye [Y] iya kuhlawulwa ngetshekhi yosuku olunye kwi [Ex].
  4. Isiqinisekiso sembuyekezo ye-ovadrafti yebhanki yomqeshwa kunye neentlawulo ezifike emva kwexesha: Ukuhlawulwa okulibazisekayo kubangela umonakalo okhawulezileyo wemali kubasebenzi beyure nabaphila ngeyure abathi irente ezenzekelayo, into eluncedo, okanye iintlawulo zemoto zitsibe. Bhala ngokucacileyo: "Ukuba oku kulibaziseka kuluhlu lwentlawulo kubangela ukuba ungene kuyo nayiphi na intlawulo ye-ovadrafti yebhanki, intlawulo ye-NSF, okanye ikhadi letyala/umrhumo werenti kade, ngenisa umfanekiso weskrini okanye isitatimenti esihlengahlengisiweyo [ku-HR/Finance Contact] kwaye inkampani iya kubuyisela i-100 leepesenti yaloo ntlawulo ngesiseko sokunyuswa kwerhafu."
  5. Nika iziteyitimenti zomvuzo obhaliweyo ezichanekileyo: Nokuba intlawulo yekheshi ilibaziseke okanye yahlulwe ibe ngezavenge ezibini, nika umsebenzi ngamnye ingxelo ebhaliweyo ebonisa iiyure ezichanekileyo ezisetyenziweyo, ingeniso epheleleyo efunyenweyo, kunye nebhalansi engekahlawulwa eyityala yinkampani ukuze abasebenzi babhale ubungqina bebango labo.

Inqanaba lesi-7: Amabango emivuzo ephambili yokutshona kunye neemali zesiqinisekiso sikarhulumente

Ukuba ingxakeko yenkxaso-mali yomvuzo ityhila ukuba ishishini alinamali kwaye kufuneka liphelise phantsi okanye lifake ifayile yohlengahlengiso olusesikweni, umvuzo wabasebenzi ufumana eyona nto iphambili ngokomthetho phezu kwababolekisi abangakhuselekanga ngokubanzi:

  • Amabango oMvuzo oPhambili weKhowudi yeBhanki yaseUnited States (11 U.S.C. Sec. 507(a)(4)): KwiSahluko se-11 sohlengahlengiso okanye iSahluko sesi-7 sokubhangiswa, imivuzo yabasebenzi abangahlawulwayo, imivuzo, iikhomishini, kunye nomvuzo weholide/wokugula ofunyenwe ngaphakathi kweentsuku ezili-180 ngaphambi kokuba ishishini lokubhanga lingabikho (okanye ukurhoxiswa kweshishini*) i-inflation-adjusted statutory cap ye-$15,150 ngomsebenzi ngamnye), ehlawulwa phambi kwabo bonke ababoneleli ngokubanzi, abanini-mhlaba, kunye nababolekisi abangakhuselekanga. Kwi-Subchapter V Small Business Isahluko se-11 amatyala, inkundla inokugunyazisa "Izindululo zoMvuzo woSuku lokuQala" ezivumela umboleki ukuba ahlawule umvuzo wabasebenzi kwangaphambili ngokukhawuleza ukugcina abasebenzi beqinile.
  • United Kingdom Redundancy Payments Service (RPS): Ukuba umqeshi wase-UK ungena ngokusemthethweni ekungakwazini ukuhlawula amatyala kwaye akakwazi ukuhlawula abasebenzi, abasebenzi bangenza ibango ukuya kutsho kwiiveki ezisi-8 zentlawulo engahlawulwanga yomvuzo, ukuya kutsho kwiiveki ezi-6 zentlawulo yeholide eyongezelelekileyo, intlawulo yesaziso esisemthethweni, kunye nentlawulo esemthethweni yokungahlawulwa ngokuthe ngqo kwiNgxowa-mali ye-Inshorensi yeSizwe ngokuthe ngqo kwiNgxowa-mali ye-Inshorensi yeSizwe ngokusebenzisa iNkonzo yokuTyala.
  • ** Inkqubo yoKhuseleko loMvuzo waseKhanada (WEPP)**: Xa umqeshi waseKhanada engena kwi-bankruptcy okanye ekufumaneni, iNkonzo yaseKhanada WEPP ibuyisela abasebenzi abafanelekileyo ngokuthe ngqo ngemivuzo engahlawulwanga, intlawulo yeholide, intlawulo yokuyeka, kunye nentlawulo yokuyeka efunyenwe kwiinyanga ezintandathu ezandulelayo ukungakwazi ukuhlawula amatyala (ukuya kumlinganiselo ophezulu we-Inshorensi olingana neeveki ezine ze-Inshorensi yomvuzo ophezulu phantsi koMvuzo we-insurance).

Imibuzo edla ngokubuzwa

Can I ask my employees to sign an agreement delaying their paycheck by one week so we do not break the law?

No. Under the Fair Labor Standards Act (FLSA) in the United States and parallel employment standards laws in Canada, the United Kingdom, and the European Union, statutory wage payment deadlines and minimum wage protections cannot be waived by private agreement between an employer and an employee. Even if an employee voluntarily signs a written waiver agreeing to wait an extra week for their pay, the delay remains a technical statutory violation, and any agreement to work for free or below minimum wage is legally unenforceable.

What happens if I pay my employees their net take-home pay now and wait until next month to pay the IRS or tax authority the withheld payroll taxes?

Using withheld employee income taxes and FICA (Social Security and Medicare) contributions to cover net wages or operating expenses triggers the Trust Fund Recovery Penalty under Internal Revenue Code Section 6672 (and equivalent Personal Liability Notices in the UK and Canada). Because withheld taxes are held in fiduciary trust for the government, the IRS can assess a 100 percent personal penalty against every corporate officer, owner, or manager who had bank signature authority, allowing them to seize personal bank accounts and homes even if the corporation later files for bankruptcy.

Is it better to let the automated direct deposit payroll batch run and hope a client check clears, or cancel the batch before the cutoff?

Always cancel the automated ACH payroll batch before your payroll processor cutoff if the cleared funds are not already sitting in your bank account. Allowing an automated payroll debit to bounce for Non-Sufficient Funds (NSF) causes your bank to charge return fees, prompts your payroll software provider (such as Gusto, ADP, or Paychex) to immediately freeze your account and revoke direct deposit privileges for up to a year, and leaves you unable to use the platform to issue partial checks or W-2 records.

If we only have enough cash to cover 60 percent of our payroll run, who should be paid first?

First, owners, corporate officers, and equity partners must reduce their own pay to zero. Second, consult employment counsel to prioritize paying non-exempt (hourly) employees at least 100 percent of the applicable statutory federal, state, or local minimum wage for every regular hour worked plus full 1.5x overtime rates, while remitting 100 percent of the associated trust-fund payroll taxes on those payments. Document the remaining wage differential in writing and clear it via check or wire transfer as soon as receivables arrive.

Can an LLC or corporate shield protect me from being sued personally by employees for unpaid wages?

No, in most jurisdictions a corporate shield or LLC does not protect owners or managing officers from personal liability for unpaid wages. Under Section 203(d) of the federal Fair Labor Standards Act, as well as strict state statutes in California (Labor Code 558.1), New York, Massachusetts, and Canadian provincial Employment Standards Acts, any individual who exercises operational control over the business and payroll decisions is defined as a joint "employer" and can be held personally liable for unpaid wages, liquidated damages, and attorney fees.

How do I protect my employees from cascading bank overdraft fees when our company payroll deposit is late?

Notify your staff in writing at least 24 to 48 hours before payday so they can temporarily pause automated mortgage, rent, or utility withdrawals from their personal checking accounts. Simultaneously, establish a clear written policy guaranteeing that the company will reimburse 100 percent of any verifiable bank NSF fees, overdraft charges, or landlord late fees an employee incurs due to the delayed paycheck, and provide a formal company letter on letterhead that employees can show to their landlords or lenders confirming the exact date the payroll wire will clear.

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Imithombo ijongiwe

  • INkonzo yeNgeniso yangaphakathi (IRS) (eUnited States): IKhowudi yeNgeniso yaNgaphakathi yeCandelo 6672, iiRhafu zeNgqesho kunye neTrust Fund Recovery Penalty (TFRP), kunye noPapasho lwe-15 (iSetyhula E, iSikhokelo seRhafu yoMqeshi).
  • ISebe lezaBasebenzi (i-DOL) iCandelo loMvuzo kunye neyure (eUnited States): UMthetho weMigangatho yoMsebenzi oLungileyo (i-FLSA) Ukuthotyelwa, iiMfuno zeNtlawulo eKhawulezileyo, kunye nePhepha leNgcaciso #70 (iMibuzo eQhwayo ngokuBanzisa iFurloughs kunye nolunye unciphiso kwiMiba yokuHlawula kunye neeHore eziSetyenzwayo).
  • ULawulo loKhuseleko lweNzuzo zabaSebenzi (i-EBSA) / iSebe lezeMisebenzi (eUnited States): Uxanduva lweFiduciary lweZicwangciso zokuNzuzwa kwaBasebenzi kunye nama-401(k) amaxesha amisiweyo oMrhumo wokuThunyelwa kweMrhumo.
  • Isebe laseCalifornia lezoBudlelwane boShishino (DIR) kunye neSebe lezeMisebenzi yeSizwe saseNew York (eUnited States): * Izohlwayo zexesha lokulinda (iKhowudi yeMisebenzi yeCandelo le-203), iGosa loButyala boMntu (Icandelo 558.1), kunye nezikhokelo zoMthetho woThintelo loMvuzo *.
  • I-HM yeNgeniso kunye neNtengo (HMRC) kunye neNkonzo yokuThenga (eUnited Kingdom): I-PAYE izohlwayo zeNtlawulo emva kwexesha, iZaziso zoButyala boBuntu (PLNs), kunye neNkonzo yeeNtlawulo eziBonelekileyo (i-RPS) iSikhokelo sokuTyala.
  • I-Arhente yeNgeniso yaseKhanada (i-CRA) kunye neNgqesho kunye noPhuhliso lweNtlalo eKhanada (eCanada): Ityala loMlawuli lokuNcitshiswa kweMveliso engaXolelwanga (uMthetho weRhafu yeNgeniso yeCandelo 227.1) kunye neNkqubo yokuKhuselwa koMvuzo (WEPP).