Iwe unokodzerwa neSocial Security pa 62, asi iwe unogona kunge wakamirira kwenguva refu.
Iwe uchatora mari shoma kana iwe uchitanga kubatsirwa pazera remakore makumi matanhatu. Kuderedzwa uku hakungokugadziri iwe chete, kana iwe wakaroora , kuchaitawo kuti iwe nawakaroorana naye.
Saka, kunze kwekunge uchinge uine zvidimbu zvishoma zvakajeka, iwe unoda kupa pfungwa yekutora Social Security pazera remakore makumi matanhatu zvakanyanya kufungidzira usati waita zvinyorwa. Kunze kwekuti iwe uine chirwere chinotambudza, iwe unogona kuwana mari yakawanda pamusoro pehupenyu hwako nekutanga zvaunobatsira pane imwe nguva inotevera.
Muenzaniso
Ngatitarisei muenzaniso unoshandisa Carol. Kana Carol akagara ari nemakore 84, hezvino kuwanda kwaanogona kuwana zvichienderana nokuti anotanga Social Security pazera remakore 62, 66, kana 70. Kuita zvidzidzo, kuwanza mwedzi wekubhadhara mari yakawanda kanomwe mwedzi gumi nemaviri apo nhamba yemakore anotarisirwa kuti kugamuchira zvipo.
- Zera 62: $ 835 × 12 × 22 = $ 220,440
- Zera 66: $ 1,114 × 12 × 18 = $ 240,624
- Zera 70: $ 1,470 × 12 × 14 = $ 246,960
Carol anowedzera mari yakawanda kuburikidza nekumirira kusvika makore makumi manomwe kuti atange kubatsirwa. Kana Carol akagara kwenguva yakareba, chirongwa chekare chinoshandisa zviri nani kwaari pane izvo zvinoratidzwa pamusoro apa. Semuenzaniso, kana Carol ari kurarama kusvika makore 94, achabhadharwa mari inopfuura $ 423,360 kubva kune Social Security kana achizotanga kubhadhara pane makumi manomwe, asi achangowana madhora mazana matatu nemazana matatu kana ainge atanga pa 62.
Pasi pane mazano mashomanana maunogona kushandisa kuti uone kana zvine musoro kuti utange kutora Social Security.
Zvikonzero Zvokusatora Social Security muzera 62
- Unoronga kuti urambe uchishanda uye iwe uchawana muhuwandu wegore negore rehupfumi hwekuchengetedzwa kwehupfumi hwevanhu (Social Security earnings limit) kusvika usvika pazera rako rose rekurega basa (FRA). (Chikamu chako che Social Social benefits hachibatsiri kana uchiunganidza zvikwereti pamberi pe FRA uye uwane mari yepamusoro pemari yawakawana gore rose. Iko kusina kubhadharwa kunowanikwa zvishoma nezvishoma iwe paunosvika kune FRA.)
- Iwe usina kuroorwa , une mari shoma, uye une tarisiro yeupenyu hurefu. Mumamiriro ezvinhu aya, unofanira kufungidzira kushanda kwenguva yakareba sezvinobvira kuti uwedzere kubatsirwa kwako uye kumirira kwenguva yakareba sezvinobvira (kusvikira kune makore makumi manomwe) kuti utange maropafadzo ako.
- Mudzimai wako achiri kushanda uye akawana mari iyo inogona kuita kuti chikamu chikuru cheHuman Security Security chikwanise kubhadharwa. Kana mari yako, uye mutero wekuteresa, ichave yakaderera mumakore mashomanana, nekumirira kutora Social Security iwe unogona kutora rubatsiro rukuru uye urambe ruzhinji rwazvo.
- Iwe une tarisiro yeupenyu hurefu. Munowanzo, nguva refu yekutarisira hupenyu hwako, nguva refu iwe unofanira kumirira kutanga kutora pa Social Security. Hakuchina kubatsirwa, zvisinei, kumirira kusvikira makore makumi manomwe apfuura kutanga.
- Iwe wakaroorana, uye kubatsirwa kwomudiwa wako kuduku kudarika yako, uye / kana wako wako kune muduku kudarika iwe. Kana wakaroorana, kutarisana kwako kwehupenyu huchave hurefu kune umwe wenyu semunhu mumwe chete. Paunouraya wako, wako wako acharamba achiwana hurukuro yako ye Social Social benefits, kana yega, asi kwete zvose. Izvi zvinoreva kana iwe uchitora Social Security pazera remakore makumi matanhatu, uye kubatsirwa kwomurumwe wako kunobva pane zvaunobatsira, zvinoreva kuti zvakanyanya kuderedzwa kubatsirwa kwoupenyu hwomumwe wako anorarama.
Zvikonzero Zvokutora Social Security muzera 62
- Iwe haungave wakagamuchira mari muhuwandu hwepabhesi yemari yegore negore pakati pezera remakore makumi matanhatu nemakore ezere rekusununguka.
- Iwe une utano hwehutano uye / kana hupfupi kudarika mararamiro ehupenyu hunotarisirwa , uye, kana wakaroora, zvakabatsirana nemumwe wako zvakakura pane zvako.
- Iwe hauna imwe nhoroondo kuti urege kubva uye usina nzira yekuwana mari, saka iwe unofanira kutora Social Security pa 62.
Kune vanhu vazhinji, zvikonzero zvekutora Social Security mune imwe nguva yakareba zvinopfuura zvikonzero zvekutora pa 62.
Vanhu vazhinji vanozvinyanya kukoshesa izvo Social Security yavo inobatsira chaizvo. Nokuona kuti iwe unogona kuwana zvakawanda zvakadini pamararamiro ako ehupenyu, uchaona iwe unogona kazhinji kuwana mari yakakura kuburikidza kutanga zvinyorwa mushure memakore 62.