1. Code section 125 (cafeteria plan) makes it possible for employers to offer their employees a choice between cash salary and a variety of nontaxable benefits (qualified benefits).
Qualified benefits include health care, vision and dental care, group-term life insurance, disability, adoption assistance and certain other benefits.
http://www.irs.gov/govt/fslg/article/0,,id=112720,00.html#2
2. 不大好但如果你親戚同意可以, 她要把你這部分錢算她的收入, 由此而來多報的稅你要負擔, 還有正常情況下你要給人家一定的補償.
3. 狗狗IRA, ROTH IRA會找到一大堆.