Dzidza kuti mararamiro ako anowanikwa sei muurongwa hwevashandi vezvitima
Vashandi vecheji havabatanidzi mu Social Security. Pane kudaro, vanobhadhara mitero yakakwirira kudarika vashandi vakawanda vanobhadhara Social Security mitero, uye iyo mitero inoshandiswa kubhadhara mari yekubhadhara mari yekubhadhara mari uye kubhadhara mari yekutsvaga mari, iyo inoita kuti idzoke kune mari yepensheni.
The Railroad Retirement Board (RRB) uye Social Security Administration inotarisa mapurogiramu eChipatara Chokurambira Retirement. Kunyange zvazvo masangano maviri anotonga akasiyana, anobatana pakusarudza kubatsira kwomunhu.
National Railroad Retirement Investment Trust inoshandisa mari yakawandisa uye inoshandisa kudzorera kubhadharira mamwe mapensheni emari.
Batsiro Pasi Pechigarire Chekuita Basa Rekushandisa
Chirongwa cheRare Retirement Reti chinopa zvikamu zviviri zvebhadharo. Nhamba 1 inobhadhara mari yekubhadhara mari, asi Tier 2 inopa zvikwereti zvakare kune vakasiya mari zvichienderana nehurefu hwebasa.
Ivhareji yepamwedzi yemari yekubhadhara mari inobatsira vashandi vese vanoenda mujasi rekurasikirwa ikozvino inodarika $ 2 625. Kune vakaroorana, iyo inobatsira inopfuura inopfuura $ 975.
Kune matanho maviri muTransport Retirement Plan, iyo inogona kukubatsira iwe kuverenga zvaunobatsira.
Chidzidzo 1 chinopa vashandi zvikwereti, izvo zvinogona kushandiswa mune zvose zve Railroad Retirement uye Social Security systems.
Inoshandisa Social Security maitiro kuverenga kubhadhara kune vakasiya mari, asi inoshandisa Railroad Retirement makore uye nguva dzebasa.
Urongwa urwu hunowanikwa kune vakasiya mari avo vakashanda makore gumi nematanhatu uye nevatasununguka avo vakashanda kwemakore mashanu kubva muna 1995.
Vakasununguka vane makore anosvika makumi matatu ekubatira vanokodzera kubhadhara zvizere pamakore makumi matanhatu.
Vakasununguka nemakore anopfuura 30 mushumiro vanokwanisa kukwana annuities pazera remakore makumi matanhatu uye zvizere zvikwereti pazera remakore 65, 66 kana 77, zvichienderana negore rekuberekwa.
Nzira 2 inoronga mararamiro evaridzi vashandi kwenguva refu. Izvo zvinyorwa zvinowanikwa zvakafanana nemapensheni anopiwa mune mamwe makhizha.
Urongwa urwu hunowanikwa kune vakwegura vanofanana nezera uye zvinodiwa zvebasa reTaner 1 vakasiya basa uye avo vakashanda mamwe mwedzi yakawanda kupfuura kwemwedzi yakawanda yakagadziriswa yebasa rekurohwa rejira. Chipiri chepiri chinowanikwawo kune vakasiya mari vanochengetedza hukama hwezvino nehuwandu hwezvitima. Current connection requirements inosanganisira kushanda kwemwedzi 12 mumwedzi 30 yekupedzisira isati yaita kudai.
Vashandi vanogona kuwana zvikwereti zvepamusoro pemwedzi 12 yebasa mumwedzi wegore.
Dual Social Security uye Railroad Retirement Benefits
Motokari inotora mari iyo inokodzera kubhadhara kuchengetedzwa kwehupfumi inofanirwa kuregesa zvikwereti izvo zvinopesana nemari inobva kuStart Retirement Plan.
Zvisinei, chirongwa cheTrans Retirement chinokonzera kuderedzwa ikoko kune izvo zvinonzi "zvakapiwa zviviri zvakabatsirwa," iyo inenge 75% yekutarisa mari. Iyi inobhadharwa muchengeti wenguva dzose yekurasikirwa kwezvitima. Vaya vatiza mari chete vanogona kubatsirwe zvibvumirano zviviri zvisati zvaitika muna 1975 uye vanosangana nezvimwe zvidikanwi vanofanirwa kubatsirwa.
Kune humwe hufumiro kune ino:
- Vashandi vezvitima vanove vakashanda mune dzimwe makambani anobhadhara mu Social Security system vanogona kutumira Chikwereti Chavo cheKutarisa Retirement, mari uye mitero kune Social Social system.
- Vatorwa vangavewo vakakodzera kubhadharwa kubva kune Social Security. Vaya vakasiya mari vanofanira kunge vakabhadhara mitero kune zvose zvese vachishanda panguva imwe chete pakati pe1951 ne1974.
Kubhadhara mari inogona kubhadhara kune vakaroorana, vakarambana vakaroorana, chirikadzi, chirikadzi, vana uye vabereki vevashandi vakafa. Kuti zvikamu zvemhuri zvikwanise, munhu wacho anofanira kunge akashanda mumashandisi emigwagwa munguva yekurega basa kana kufa.
- Motokari inotora mari yekubhadhara inokura gore roga roga nemari yekugadzirisa mararamiro.
Zvechokwadi, kunewo zvimwe zvisingabatsiri:
- Hurumende mitemo inobvumira vashandi vezvikepe kuti vawane zvikwereti zvizere kubva kune zvose Railroad Retirement uye Social Security systems. Ngarairi Kutarisa mari inotora mari chero ipi zvayo kusvika pamari iyo yakasunungurwa inogona kukodzera kuburikidza neHuman Security.
- Vatorwa vakagamuchira pensions kubva kune mamwe mabasa ehurumende yeUnited States, masangano asina maturo uye humwe hurumende dzekunze mushure me1985 dzichava nemutengo wavo weTanho 1 wakaderedzwa. Nhamba yacho kazhinji haisi kudarika hafu yeimwe penheji.
Kwatingawana mamwe mashoko
Iwe unogona kuwana ruzivo rwekufambisa kune Railroad Retirement Board mahofisi emahofisi uchishandisa RRB's field office locator kana kuti call 877-772-5772.
The Bottom Line
Nzira yekufambisa Indaneti inogona kuvhiringidza, kunyanya kana iwe wakashanda kune vasiri gorosi waanoshandira uye akawana Social Security mazano. Kunyange zvakadaro, zvikomborero zvinogona kunge zvinyoro kana zvichienzaniswa neSocial Security.
Yakarongedzwa naScott Spann