Zvikwereti zvinobatsira zvinowirirana zvichienderana nehutano hwako hwehupfumi hwekuchengetedza.
Hezvino izvi zvose izvi zvinoshanda sei nemisimboti pa Social Security inotora makore kubva 60 kusvika ku70.
Social Security Retirement Age 60, Kana Uri Chirikadzi / Murikadzi
Kana iwe uri chirikadzi kana murikadzi, unogona kugamuchira Social Security retirement benefits kana wava nemakore makumi matanhatu. Kana usina kusvika pazera rako rekurega basa, uye iwe uchiri kushanda uye uchiwana zvakanyanya kupfuura muganhu wekuwana, zvikomborero zvako zvichaderedzwa. Kana ukangosvika panguva yakazara yekurega basa, hapanazve kuderedza kunoshandiswa, zvisinei nokuti unoshanda zvakadini uye unowana mari. Vaya vanoita basa vachada kufunga nezvekumirira kusvikira nguva yavo yekusununguka yakazara yekutanga chirikadzi / mubavha inobatsira.
Imwe nzira inowanikwa kune chirikadzi / chirikadzi ndeyokuisa kushanda kusingabvumirwi , izvo zvinoreva kuti unogona kutanga rumwe rudzi rwebatsiro, semupukunyoro anobatsirwa, saka kana iwe ukazosvika makore makumi manomwe, unogona kushandura paunotora mari yekubhadhara mari kana chikamu chikuru.
Pakutanga Kudarika Kwemagariro Evanhu Anogadzirisa Age Is 62
Kunyangwe iwe unogona kutanga matambudziko kunze kwe 62, izvo hazvirevi kuti unotanga kutora ivo panguva iyoyo.
Kunyange zvazvo makore makumi matanhatu nemakore ekutanga yeSocial Security retirement retirement, unogona kutanga zvidzidzo zvauchawana rubatsiro rwakaderera panguva ino. Kana iwe uchida chikamu chikuru chemari yakagadziriswa mushure mekurega basa, ipapo kumirira kutanga zvinyorwa kusvikira iwe makore mashomanana akwegura achanzwisisa. Yeuka, kunyange kana iwe uri mutorwa, iwe unogona kumirira kuti uise zita reSocial Security kusvika kune imwe nguva yemakore (makore makumi manomwe) kuitira kuti iwe uwane rubatsiro rwakakwirira.
Ndiyo imwe yenzira dzakanakisisa dzekuita kuti uve nehuwandu hwepamusoro hwekugadziriswa kwezvigadziriswe zvemugorova gare gare muupenyu.
Uyewo, kana iwe ukatora Social Security panguva iyi yezera, uye iwe uine mubhadharo kudarika chikamu chekuchengetedzwa kweSocial Security, yako Social Security inobatsira ichaderedzwa. Kana ukangosvika kumakore ose ekurega basa (izvo zvinosarudzwa nezuva rako rokuberekwa), hapana kuderedzwa kwezvibatsiro zvekuenderera mberi kushanda zvisinei kuti unoita zvakadini.
Iwe unogona kushanda kuti Social Security retirement inobatsirwe chero nguva mushure mekunge usvika makore makumi matanhatu. Kana wati wava nemakore makumi matanhatu, funga nezvazvo sekunyora kwakasununguka; iwe unogona kutanga chero nguva. Iwe haufaniri kumirira kusvikira imwe yera inoparadzwa.
Kunyatsorega Kurega (Age 65-67 zvichienderana Nezuva Rokuberekwa)
Nguva yako yakakwana yokurega basa inotsanangurwa nezuva rako uye gore rokuberekwa. Ndiyo nguva yaunowana nayo yako zvizere zveHuman Security Security. Kwegore negore unononoka kutora zvikwereti zvako kubva muzera rose rekurega basa kusvikira makore makumi manomwe kubhadhara kwako mari inowedzera neanenge 8% pagore. Inotumidzwa sekunonoka kubhadhara mari yechikwereti. Kuwedzera uku kunogona kukonzera mari yakawanda yeupenyu muupenyu iwe nemumwe wako. Kunyange mushure mekunge uchitaura mune zvingangoita kuti udzoke kunekutsvaga uye mari yaunogona kubhadhara pamwedzi iwe waunogona kuigamuchira kana iwe wakambotaura kare, zvinogona kuva ne $ 50,000 - $ 100,000 kuwedzera muhupenyu huripo nekumirira kusvikira iwe mukuru kuti utange maropafadzo ako.
Zera 70 - Chimbomira uye Ungagadzirisa Delayed Retirement Credits
Pazera remakore makumi manomwe iwe uchawana huwandu huwandu hwezvipo zvaunogona kuwana kubva kune Social Security. Hazvina musoro kunonoka kwako Social Security retirement makore anopfuura makumi manomwe. Kurindira kusvika makore makumi manomwe kuti utange Social Security yako kana iwe wakaroora uye uri mhedzisiro yepamusoro kune mumwe munhu anoponesa anobatsirwa nemumwe wako.
Funga nezvenguva yaunofunga kuti inobatsira zvikuru. Unhu Hwako Hwekuchengetedzwa Kwemagariro hunove hunokosha zvakanyanya kupfuura iwe unofunga. Iwe uri kuita chisarudzo pamusoro pemari yakawanda. Muzviitiko zvizhinji, haugoni kuchinja pfungwa yako seSocial Security mazano hauna kugadzirirwa kumira uye kutanga.