这么说你在远程工作,想搬家?先读读这篇文章

2020-10-14 11:34

So you're working remotely and want to move? Read this first rcR世界播

这么说你在远程工作,想搬家?先读读这篇文章rcR世界播


暂无rcR世界播

Permanent work from home is here. Will cities survive? rcR世界播

永久在家工作就在这里。城市能幸存下来吗rcR世界播


If you've been working from home for the past six months, you may be ready for a change of scenery and may be entertaining the idea of moving. rcR世界播

如果你在过去的六个月里一直在家工作,你可能已经准备好换个环境,并且可能正在考虑搬家的想法。rcR世界播


After all, if you don't have to be tethered to your office, maybe you prefer to be closer to family (more babysitting!). Or you'd like to relocate someplace where you can hike or surf. Or you might just want to move someplace cheaper or less crowded. rcR世界播

毕竟,如果你不需要被拴在办公室里,也许你更喜欢离家人更近(更多的照看孩子!)。或者你想搬到可以徒步旅行或冲浪的地方。或者你可能只想搬到更便宜或者不那么拥挤的地方。rcR世界播


But if you're eyeing a move to another state or region, factor in how that may affect your job, your pay, your benefits and your taxes. rcR世界播

但是,如果你打算搬到另一个州或地区,考虑到这可能会对你的工作、工资、福利和税收产生什么影响。rcR世界播


Before calling the movers, here are four questions you'll want answers to from your HR and benefits department as well as from a professional tax adviser. rcR世界播

在打电话给搬家公司之前,这里有四个问题你需要从你的人力资源和福利部门以及专业税务顾问那里得到回答。rcR世界播


Will my company even let me work somewhere else? rcR世界播

我的公司甚至会让我在其他地方工作吗?rcR世界播


No matter how cool your company is with you working from home, that doesn't mean it will be fine with your home being anywhere. rcR世界播

不管你的公司对你在家工作有多酷,这并不意味着你的家在任何地方都可以。rcR世界播


If you move someplace where your company doesn't have employees or satellite offices, it may have to incur greater administrative and tax burdens to satisfy its legal duties as an employer. rcR世界播

如果你搬到你的公司没有员工或附属办公室的地方,可能不得不招致更大的行政和税收负担,以履行其作为雇主的法定职责。rcR世界播


暂无rcR世界播

90% of employers say working remotely hasn't hurt productivity rcR世界播

90%的雇主表示远程工作没有影响工作效率rcR世界播


"Not all employers will be willing to let employees work out of state because it may mean additional obligations on their part," said Katie Brennan, a knowledge advisor at the Society for Human Resource Management. rcR世界播

人力资源管理协会(Society For Human Resource Management)的知识顾问凯蒂·布伦南(Katie Brennan)说:“并不是所有的雇主都愿意让员工在州外工作,因为这可能意味着他们要承担额外的义务。”rcR世界播


Or you may work for an employer that simply wants the staff back in the office as soon as it's safe to gather in large groups again. So it may not want to let everyone scatter to the wind now. rcR世界播

或者,你可能为一家雇主工作,该雇主只是想让员工在安全的情况下尽快回到办公室,可以再次成群结队地聚集在一起。因此,它现在可能不想让每个人都被风吹散。rcR世界播


Will relocating affect my paycheck? rcR世界播

搬家会影响我的薪水吗?rcR世界播


Possibly. rcR世界播

可能吧。rcR世界播


How much you are paid will depend in part on the cost of labor where you choose to live, said Tauseef Rahman, a partner specializing in compensation strategies at the HR consulting firm Mercer. rcR世界播

人力资源咨询公司美世(Mercer)专门研究薪酬策略的合伙人陶塞夫·拉赫曼(Tauseef Rahman)表示,你的工资在一定程度上将取决于你选择居住的地方的劳动力成本。rcR世界播


So if you move to a less expensive locale where labor is cheaper, you may get paid less. Where it is more expensive, you may get paid more. rcR世界播

因此,如果你搬到劳动力更便宜的更便宜的地方,你可能会拿到更少的工资。哪里比较贵,你就可能拿到更高的报酬。rcR世界播


But if you have a nationally competitive job and one that doesn't necessarily require you to be at a fixed location, there may be a much smaller difference in your pay than you'd expect, Rahman said. That's because your employer has to compete with companies everywhere for your services. rcR世界播

但拉赫曼说,如果你有一份在全国范围内都很有竞争力的工作,而且这份工作不一定要求你在固定的地点工作,那么你的薪酬差距可能会比你预期的要小得多。那是因为你的雇主必须与各地的公司竞争你的服务。rcR世界播


How will my benefits change? rcR世界播

我的福利会有什么变化?rcR世界播


State and local laws regulate many benefits that employers provide. rcR世界播

州和地方法律规范雇主提供的许多福利。rcR世界播


The biggest is health insurance. You may have to switch to another plan offered by your employer if the insurer you have now doesn't offer coverage in the state where you're moving. rcR世界播

最大的是医疗保险。如果你现在的保险公司在你搬去的州不提供保险,你可能不得不改用你雇主提供的另一种保险计划。rcR世界播


Or it may be that none of the insurance plans offered by your employer are available in your new state or region because your company doesn't do business there. rcR世界播

或者,你的雇主提供的保险计划在你的新州或地区都没有,因为你的公司在那里没有业务。rcR世界播


That could mean you need to go on a public exchange or your employer may come up with another option. rcR世界播

这可能意味着你需要去公开交换,否则你的雇主可能会提出另一种选择。rcR世界播


Your paid leave benefits may change, too -- for better or worse depending where you're going. rcR世界播

你的带薪休假福利也可能会改变--是好是坏,取决于你要去的地方。rcR世界播


For instance, California doesn't allow employers that offer paid vacation days or paid time off to impose a "use it or lose it" policy as many states do. Instead those days are considered earnings that can accrue and must be paid to you when you leave your job. rcR世界播

例如,加州不像许多州那样,允许提供带薪假期或带薪假期的雇主实施“要么使用它,要么失去它”的政策。相反,那些日子被认为是可以积累的收入,必须在你离职时支付给你。rcR世界播


Or you may gain or lose a required minimum number of paid sick days depending on the jurisdiction where you relocate. rcR世界播

或者,根据您搬迁所在的司法管辖区,您可能会获得或失去所需的最低带薪病假数量。rcR世界播


Also, if there are any changes to your paycheck when you move, that will change how much you receive in matching contributions to your 401(k) since they're based on a formula tied to your earnings. rcR世界播

此外,如果你搬家时你的薪水有任何变化,这将改变你在401(K)计划中获得的匹配缴费金额,因为它们是基于与你的收入挂钩的公式。rcR世界播


How will moving affect my taxes? rcR世界播

搬家会对我的税收有什么影响?rcR世界播


This is the most complicated question to answer. So consult with an accountant or other qualified tax preparer. Otherwise, you may find yourself saddled with a bigger tax bill. rcR世界播

这是要回答的最复杂的问题。因此,请咨询会计或其他合格的报税人。否则,你可能会发现自己背负着更大的税单。rcR世界播


Most states have income taxes and they tax earnings generated by work done in-state. But find out if the state where you are living now and the state where you're moving to have a reciprocal tax agreement -- meaning if you work in one but live in the other, you will only owe income tax to one state, most typically your home state. If not, you may end up owing taxes to both states. rcR世界播

大多数州都有所得税,他们对在州内工作产生的收入征税。但是找出你现在居住的州和你要搬去的州是否有一个互惠的税收协议-这意味着如果你在一个州工作,而在另一个州生活,你只需向一个州缴纳所得税,最典型的是你的家乡州。如果不这样做,你最终可能会同时欠两个州的税。rcR世界播


Find out, too, if you'll be affected by any of the seven states -- Arkansas, Connecticut, Delaware, Massachusetts, Nebraska, New York and Pennsylvania -- with a "convenience of the employer" rule. rcR世界播

另外,看看你是否会受到七个州中的任何一个州的影响--阿肯色州、康涅狄格州、特拉华州、马萨诸塞州、内布拉斯加州、纽约州和宾夕法尼亚州--这七个州都有“雇主方便”的规定。rcR世界播


"That rule stipulates that you owe income taxes where your company office is located," said Jared Walczak, vice president of state projects at the Tax Foundation. "[Your employer's] state will want to tax you, and your home state may tax you too because you're living and working there." rcR世界播

税务基金会负责州项目的副总裁贾里德·沃尔查克(Jared Walczak)说:“这条规定规定,你应该在公司办公室所在的地方缴纳所得税。”“(你雇主的)州会想要向你征税,而你的家乡州可能也会向你征税,因为你在那里生活和工作。”rcR世界播


And if you're relocating from a high-tax state like New York to a state with no income tax -- such as Florida -- you still may end up paying income taxes barring a reciprocal tax agreement or other provision. rcR世界播

如果你从纽约州这样的高税收州搬到一个没有所得税的州,比如佛罗里达州,除非有互惠的税收协议或其他条款,否则你最终仍然可能要缴纳所得税。rcR世界播


So first ask your payroll tax department how your withholding will change when you move. rcR世界播

因此,首先问问你的工资税部门,当你搬家时,你的预扣会有什么变化。rcR世界播


"The employer's only obligation is to the state to make sure they [withhold taxes] properly," said Cosimo Zavaglia, a partner in the tax practice of law firm Morgan Lewis. rcR世界播

摩根·刘易斯律师事务所(Morgan Lewis)税务业务合伙人科西莫·扎瓦格里亚(Cosimo Zavaglia)表示:“雇主唯一的义务就是确保他们(扣缴税款)适当。”rcR世界播


But when you file your taxes, if you think you've been overwithheld, claim a refund. Just make sure you have backup documentation about your work location to make your case if you get audited, Zavaglia said. rcR世界播

但是当你报税时,如果你认为你被多扣了,就要求退款。Zavaglia说,只要确保你有关于你工作地点的备份文件,以便在你被审计时证明你的情况。rcR世界播


Such documents might include a calendar or travel records. And if your company is based in a state with a "convenience of the employer" rule, you also may need documents from your employer confirming your assigned work location is no longer where the company is based. rcR世界播

这些文件可能包括日历或旅行记录。如果你的公司总部所在的州有“雇主方便”的规定,你可能还需要雇主的文件来确认你被分配的工作地点不再是公司的总部所在地。rcR世界播


Best advice to protect yourself: "Know the rules of the states you're dealing with," Zavaglia said. rcR世界播

保护你自己的最好建议:“了解你所面对的州的规则,”扎瓦格里亚说。rcR世界播

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