Zviri kuedza kurega mapurisa, asi zvikomborero zvako zvichataridzirwa.
Kutora basa rekutanga kunoreva iwe unogona kuwana zvishoma
Ikokufungidzira kwaunoona pane yako Social Security statement inobva pakushanda kusvika panguva iyoyo yakatarwa. Somuenzaniso, kana yekuti Social Security statement inoti iwe uchatora madhora 1,100 pamwedzi pazera remakore makumi matanhatu, iyo inofungidzira inofunga kuti iwe unoshanda kutozosvikira wava nemakumi matanhatu nematanhatu.
Mari yaunoti iwe uchawana pa 66 kana 67 inotora iwe unoshanda kusvika pazera remakore 66 kana 67. Izvi zvinoreva kana iwe ukatora nguva refu kubhadhara mari yako inogona kunge iri pasi pezvaunoona pane chirevo chako.
Social Security benefits inotaridzirwa zvichienderana nemakore makumi matatu nemashanu apamusoro emabasa ehupfumi, nepamusoro-soro 35 yakatarwa mushure megore roga roga rebasa rave rakanyoreswa nekuda kwekuwedzera kwezvinhu. Kana iwe ukatora basa rekurega basa uye iwe hauna makore makumi matatu nemashanu akazara emabasa emabasa, yako Social Security zvingave yakaderera pane iwe unoshanda kwenguva refu.
Kunyangwe iwe uchibvisa mapurisa, chenjerera nezvekutora Social Security pazera remakore makumi matanhatu musati wamboongorora. Mune zviitiko zvakawanda, zviri nani kuwana mamwe mamiriro emari ekushandisa muhutano hwepakutanga kuitira kuti unonoke kutanga kwekubatsira kwako. Izvi zvinogona kukudzivirira kuti urege kubuda mumari gare gare muupenyu.
Iwe unogona kubvisa mapurisa uye uchiri kunonoka kwehutano hwevanhu
Iwe unogona kutora basa rekurega basa uye uchiri kumirira kusvikira mushure mutsva kutanga yako Social Social benefits .
Izvi zvinonyanya kukosha kune vakaroorana vanoda kuve nechokwadi kuti mudzimai wavo anenge aripo anowana rubatsiro rukuru kana waenda. Iyo yakanyanya kukudzwa pamwedzi pamwedzi pakati penyu vaviri ndiyo ichava mupukunyutsi inobatsira kana mumwe wenyu achipfuura - panguva iyoyo, iwe chete uchawana mari yakakwirira yemari - kwete mari miviri.
Nechinangwa chekuita kuti munhu anenge apona mune ramangwana awane rubatsiro, iwe unoda kuti munhu akakwirira anonoke kutanga kwezvibereko kusvika kune makore makumi manomwe kana zvichikwanisika. Kana wakaroorwa, mutori wepasi, zvisinei, anofanira kuwanisa zvidzidzo zvake panguva yekare.
Zvipo zvepensheni zvinogona kuwira apo iwe uri wehutano hwehutano hwakakodzera
Zvimwe zvirongwa zvepenjeni zvinopa kukura kwekutanga kwegore roga roga apo iwe unotora basa rekurega basa; mari yepensheni inobva yaenda pasi paunenge wakakodzera kukwevera pa Social Security. Kana iwe usingazivi izvi, unofunga kuti uchawana mari yako yepensheni yakazara pamwe neSocial Security.
Haasi mapeji ose anoshanda nenzira iyi, saka shingai makirasi ose kana seminhara inopiwa nemushandirwi wako kuitira kuti unyatsonzwisisa mari yako yepensheni uye hutano hwakanaka usati watora nguva yekurega basa. Bvunza mibvunzo yakawanda, uye gadzai musangano mumwe chete pane mumwechete nemubatsiri wekubatsira kana munhu (HR) munhu kana muchigona.
Mukuwedzera, kana iwe wakashanda mune dzidzo kana kune hurumende kana hurumende, zivai kana iwe uchitanga iwe Social Security zvigaro zvingave zvishoma kudarika zvinotaurwa neshoko rako nekuda kwechinhu chinonzi Windfall Elimination Provision uye / kana Government Pension Offset. Izvi zvakakanganisa amai vangu, avo vakanga vari mudzidzisi kwemakore 43.
Aitarisira kuwana penheji yake pamwe ne $ 1,300 pamwedzi mu Social Security. Akashamisika paakadzidza kuti Social Security yakange iri pasi pe $ 300 pamwedzi nekuda kweHurumende Pension Offset iyo inoshanda kana iwe ukawana mubairo kwemakore ekushanda kwausina kumbovharwa pasi peSocial Security system.
Kushanda panguva yekurega basa kunogona kuderedza hutano hwako hwemagariro evanhu
Kana ukaronga pakushanda imwe nguva-nguva panguva yekurega basa rako Social Social benefits inogona kuderedzwa. Kuderedza kunobva pane chimwe chinhu chinonzi Social Security muganhu wemari uye inoshandiswa chete kana iwe usati wasvika panguva yakakwana yekurega basa. Kana mari yako yakakwirira kudarika muganhu, zvikomborero zvako zvichaderedzwa. Izvi zvinoshandiswa zvinoshandiswa kusvikira wapedza nguva yako yekusununguka, iyo iri makore 66 - 67 kune vanhu vakawanda. Kana ukangosvika muzera rakakwana rekurega basa iwe unogona kuwana chero chiyero uye zvipo zvako hazvingaderedzwi.