Iwe Unoda Chaizvoizvo Kuisa Kushandiswa Kwakadziviswa?

Muverengi Mubvunzo pamusoro pekuchengetedzwa kwehupfumi kunoshandiswa

Kuchengetedzwa Kwemagariro evanhu kunoti vanhu vakaroorana vanogona kunge vakaoma kunzwisisa kupfuura iwe unogona kufunga. Iwe unotofanira kuziva chokwadi chako. Heino muenzaniso mukuru wekuti wakaoma sei. Uyu muverengi akanditumira mubvunzo unotevera:

"Zvese zvandinenge ndaverenga zvinoreva kuti ndinofanira kuisa shanduro isina kukwana asi hofisi yeSocial Security (SS) inoti hazvina kukodzera.Iri 66, makore ose ekurega basa , uye mudzimai wangu ari makumi matanhatu nemapfumbamwe.Akatanga kutora SS kusvika 66, kurega kusununguka kwemakore.Ndangobva ndamukira zita rake re SS rekusimbiswa kune mudzimai muhofisi yangu yeS SS.Vaizorega kuisa mvumo yekutsvaga vachiti hazvina kufanira.Vakandivimbisa kuti yangu yeSS rekodi yaisazopinda uye ini ndaizogamuchira muduku kubva pane zvingasarudzwa izvo zvinotsigirwa nemudzimai kusvikira ndaisa pachepa yangu pachedu pazera remakore makumi manomwe. Ndakadana SS 1-800 uye ndakabvunza mubvunzo iwoyo.Vakatarisa zvinyorwa zvavo pamusoro pezvakaitwa nehofisi yangu yepamhara uye zvakare Kushanda kwekutsvaga kwakange kusina kudikanwa kuvimbisa kuti ndakagamuchira chete rubatsiro rwemurume nemukadzi pasina chinhu chakaiswa kune yangu SS rekodi.Chiiko zvinhu zvose zvandakaverenga zvakasimbisa kudikanwa kwekutsvaga kusarudzwa kuiswa? "

Mhinduro iyi muverengi yakapiwa nehofisi ye Social Social haina kumira zvakanaka kwandiri. Inobuda, ndaive ndakarurama. Purezidhendi Avram Sacks, nyanzvi yenyika mune mutemo wekuchengeteka kwevanhu, heino mhinduro yekuti sei kushanda kusinganzwisisiki kunowanzodiwa:

Murevereri ANOFANIRA kuisa sarudzo isina kuvharidzirwa kuti ave nechokwadi chekugamuchira kugadzikana kwemudzimai uye kuve nechokwadi chokuti mubatsiri webatsiro yake inowedzera kukanganisa kubhadhara mari yechikwata (DRCs). Bhuku rinoshandiswa mukati reSocial Security Administration, iyo Program Operations Manual System ("POMS") paGN 00204.020.D.1 inotaura zvakajeka kuti munhu anenge aita mumiririri anogona kurega kukwana kwechikumbiro chero chikonzero kunze kwekuti chirevo chekutsvaga chekushandiswa chinoshanda. Mutemo iwoyo (mutemo wehurumende pa20 CFR §404.623), iyo inotaura kuti chikumbiro chezera remakore ekure retirement retirement (Retirement Insurance Benefits kana "RIB") kana kuti kubatsirwa nemudzimai kuchaonekwa sechikumbiro chevose kana risati rasvika makore ose ekurega basa, haisi kushanda pano nokuti muchengeti ari kutora nguva yakazara yekurega basa.

POMS inotonga ichangobva kutaurwa, zvisinei, inotaura kuti chero zvipi zvingave zvichatorwa semhosva yezvipo zvose izvo muverengi akakodzera kunze kwekunge zvakanyatsorambidzwa nemunhu anenge ataura. Ichi ndicho chikonzero mutapi anofanirwa kuisa shanduro isina kuvharidzirwa kuti ave nechokwadi chekugamuchira mari yekuroorana.

Muchiverengi chemuverengi wako, zvisinei nekunyorera kwemareki kuti muverengi wezvaanobatsira "haazombopindi" kusvikira aisa pacheche yake pacheche pazera remakore makumi manomwe, POMS §GN 00204.020 pamwe ne §GN 00204.004 inoratidza kuti kunze kwekuti munhu anenge achida kubvisa chikwata chekuroorana nemudzimai kuwanana chete, iyo Social Security Administration ichaita, chaizvoizvo, inofunga nezvekushanda kwechikwata kuve chikumbiro cheRIB pamwe chete.

Uye, kana izvozvo zvaitika pane zvakakodzero. Uye, nekodzero yekubatana, Social Security Act (SSA) §202 (k) (3) [42 USC §402 (k) (3)] inokonzerwa. Pasi pemugove iwoyo, iRIB ichabhadharwa kutanga, uye kana kubatsirana kwepabonde kuchikuru, ipapo mari yose inobhadharwa ichaenzana neRIB pamwe nekusiyana pakati pemudzimai anobatsirana uye RIB. KANA, kune rumwe rutivi, RIB yakakura, hapana kubatsirana kunobhadharwa. (Hapana "kaviri-dipping.") Uye, kana pane kubhadhara kweRIB, DRC haigone kuwedzera. (20 CFR §404.313.) Mune mamwe mazwi, kubhaibheri kunotaura kune muverengi wako kuti pasi, kubatsirana kunobhadharwa, kunyange kana kushanda kusinganzwisisi kusati kwaiswa, kunopesana neSSA §202 (k) (3).

Ndinogona kufunga nezvezviitiko zviviri chete izvo muSSA mubatiri angave akakarurama, kuti kukundikana kuisa zvinorehwa kudai hakungabatsiri kubatsirwa kwebasa:

(1) Kana muchengeti wePisimusi Inishuwarenzi Mari ("PIA" - mubhadharo wevashandi akazara pazera remakore makumi matanhatu nemasere) yakaderera zvokuti murume nemudzimai vanobhadhara vanopfuura 132% yePIA yake (mari iyo mushandi anogamuchira paari nhoroondo yega kana muchengeti wezera rekurega basa rose ari nemakore makumi matanhatu nemasere uye mushandi anomirira kusvika makore makumi manomwe kuti awane zvikwereti pane zvake pachake) Uye kunyange kana mari yake yezvikamu zvina inotevera yaive kana kupfuura pamusoro pehomwe yero yemari inowanikwa pasi pemutero pasi peFICA), 132 muzana yePIA yakagadziridzwa ichange ichiri pasi pe22 yePIA yaunowana mubayiro wePIA (kureva, iyo PIA yemudzimai wako wevadzidzi), ZVAZVO kushandiswa kwekushandiswa kusinganzwisisiki kwaizove kusingakoshi .

Nokudaro, kuitira kuti uzive, nechokwadi, kana ichi chiri chikonzero chekugara kweSocial Security Administration, mumwe angada kuziva PIA yemunhu anenge ataura uye mumwe wemumwe muvakidzani.

(2) Kana munhu anenge ataura achiita basa risina kuiswa pasi peSocial Security Act (yakadai sehurumende yemunharaunda kana hurumende kana basa rekune imwe nyika) uye inogamuchira purogiramu inobva pane iyo basa, muchengeti wepensheni anogona kuderedza kuti murume nemudzimai vabatsirwe zero pasi pe Hurumende Pension Offset kupiwa kweSocial Security Act (SSA §202 (k) (5); 20 CFR §404.408a). Mumamiriro ezvinhu akadaro, zvakakosha zvikuru kuti mushandi agamuchire RIB. Kunyange zvazvo kubatsirwa kwebasa iri pasi peBublic Security Act kuchaderedzwawo, kuderedzwa kuri pasi pehutano hwakasiyana hweMutemo, Windfall Elimination Provision (SSA §215 (a) (7); 20 CFR 404.213).

Zvisinei, kuderedzwa kweWEP kunowanzoita kuderera kudarika GPO kuderedza uye hakugoni kuderedza Social Security kubhadhara kusvika zero.

Saka muverengi anofanira kuitei paanotarisana nemubatiki uyo anotsigira kuti kuiswa kwekushanda kusingagumi hakudi kudiwa? Muverengi anofanira:

1. Ipa munyori nekopi yePOMS GN 00204.020.D.1 uye GN 00204.004 uye mubvunze kuti sei RIB yake pachayo isingakanganisi kana kusina kushanda kusingabvumirwi? GN 00204.020.D.1 inopa muverengi kodzero yekuisa kushandiswa kusingabvumirwi. Muverengi anofanira kubvunza munyori kuti ataure mutemo, mutemo, kana mutemo wehurumende unobvumira mubati kunyatsoteerera chikumbiro chemuverengi kuti aise kushanda kusingagumi.
2. Kana mhinduro yemakirekeri isingagutsikani, muverengi anofanira kubvunza kuti ataure nemutariri (uye, kana zvichidikanwa, mutariri wepahofisi) uye kuti aite chikumbiro chakafanana.
3. Kana munyori kana mutariri wemakrekeri asingakwanise kugutsikana, tora mhinduro dzavo nekunyora uye uende nayo kuHuman Security Security yehofisi yavo yeChinyunyuta ndokukumbira kubvunzurudza kuti nei kushanda kusingabatsiri hakuna kudiwa kuitira kuti rubatsiro rwebasa ruchaita maDCC.

Kana zvimwe zvose zvisingakwanisi, muverengi anogona kukanganisa kutsunga uye kutsvakazve kufungisisa, uye, kana zvichidiwa, kunzwa kune ALJ. Zvisinei, ini ndinopokana kuti zvingaita izvi kure.

Social Security vashandi vanoita zvikanganiso, sezvinoita vatariri vavo nevatungamiriri. Ndicho chikonzero kune avo vakawanda avo vanopomerwa kubudirira kupomera zvinopesana neHuman Social Security Administration.

Kunze kwekuti muverengi mararamiro ehupenyu akawana zvakaderera zvakadai kuitira kuti murume nomudzimai vabatsirwe huchakwirira, kunyange neRDCs pazera remakore makumi manomwe kana kuti kunze kwekunge muverengi ari kugamuchira (kana kuti achagamuchira) mubhadharo unobva pane basa risina kuvharwa, muverengi anofanira kunamatira pfuti dzake uye achiomerera kuti kushanda kwakadzikidzwa kuiswe panzvimbo yake. Iwe unogona kupinda mukutaura nemweya Avram Sacks kuburikidza ne LinkedIn Profile.