Kuchengetedzwa Kwemagariro Evanhu Mafaro echirikadzi neVakaurayiwa

Ndezvipi zvekuchengetedzwa kwevanhu mune zvekugara kune chirikadzi kana murikadzi?

Mitemo yekusunungura chirikadzi yekuchengetedzwa kwehupfumi inobatsira yakaoma. Kuwanda kwezvibatsiro mudzimai anoramba aripo anogona kuwana zvichienderana nezvinhu zvakadai sezera ravo, nguva yevakafa, uye kana mudzimai anenge apfuura akanga atanga mazano ake kana kwete.

Kune chirikadzi dzakawanda uye chirikadzi, pane nzira dzekuwana zvakakwirira, asi iwe unofanira kuziva mitemo. Chirikadzi zhinji uye chirikadzi vanoita chisarudzo nokukurumidza uye vanorasikirwa nemari nokuti havanzwisisi zvose zvisarudzo zviripo.

Inobhadhara kuita chikoro chako chekuchikoro usati wareva chirikadzi / chirikadzi Social Security rubatsiro . Hezvino izvo zvaunoda kuziva.

Ndiani Anokodzera?

Kana iwe wakaroorana kwemwedzi mipfumbamwe kana kupfuura kune mumwe munhu apfuura, uye vakange vashanda kwenguva yakakwana zvokuti pavakasiya basa vaizogamuchira yavo yega Social Security (kunyange dai vakanga vasati vatanga kubatsirwa zvakadaro), iwe unokodzera chirikadzi / mubavha anobatsirwa. Iyo yezera remakore ekutanga iwe unogona kuunganidza a Social Security chirikadzi / mubereki wekubatsira ane makore 60. (Kana iwe uri kutarisira mwana wemunhu akafa ari pasi pezera remakore gumi nematanhatu, mamwe mazano anogona kuwanika kunyange kana iwe usati wava nemakore makumi matanhatu. )

Muenzaniso: kana iwe uri makumi matanhatu, uye mukadzi wako akafa aive nemakore makumi mashanu nemashanu panguva yekufa, iwe unogona kukodzera kuwana chirikadzi / murikadzi kubatsirwa ikozvino, kunyange zvazvo vakanga vasati vatanga matambudziko avo.

Iyo Inoshanda Sei

Mutsara uri pasi apa unotsanangura kuti chirikadzi / murikadzi anobatsira sei uye inobatanidza Social Security retirement repabatsiro kumudzimai anoramba aripo asina vatsigiri.

Kana iwe uine vatsigiri, zvinobatsira vana zvinogona kuwanika, uye zvinoshanda zvakasiyana pane chirikadzi / mubavha inobatsirwa pano.

Unogona Kuwana Zvakawanda Sei?

Kuwanda kwechirikadzi Social Security chirikadzi inobatsira iyo iwe unogona kugamuchira semuponesi inobva kune zvinhu zvina.

1. Mudzimai wekufa inshuwarisi yepamusoro (PIA) iyo ndiyo mari yavakadai vakawana paHoy Retirement Age (FRA) . (FRA yakasiyana nemakore ekuberekwa.)

1. Pasinei nokuti mumwe mukadzi akafa akanga atanga kuunganidza zvikomborero.
2. Pasinei nokuti mumwe mukadzi akafa akazosvika kuFrU vasati vafa.
3. Zera remudzimai anoramba aripo.

Ngatitarisei kuti izvi zvinokanganisa sei chirikadzi inobatsirwa. Sarudza chinyorwa chiri pasi apa chinoshanda kwauri kana mumwe munhu waunoziva kuti aone kuti ndeipi yemitemo inoshanda.

Kana mudzimai wenyu akafa akanga atotanga kubatsira ...

• uye wakatanga kubatsirwa vasati vasvika paFRA , iwe iwe semudzimai anoramba aripo ane kodzero yekuti mukuru wewakapiwa nemurume wako, kana 82.5% yePIA yavo yakawanda, (iyi ndiyo mari yavakanga vagamuchira kana vatanga kubatsirwa paFRA yavo). Ichi chikamu chekubatsira chinotarirwa kuderedzwa kana iwe usati wasvika paFRA yako. (82.5% yePIA yavo ichave yakawanda kupfuura iyo yavakadai vakawana kana vakatanga matambudziko pazera remakore makumi matanhatu nematanhatu, naizvozvo murairo uyu uri munzvimbo yekudzivirira mukana anoramba aripo kubva pamari yakaderera pasi kana imwe imwe hafu yakatanga kubatsirwa pazera remakore 62.)
• uye wakatanga kubatsirwa neFRA kana kuti gare gare , iwe semudzimai wako anorarama ane kodzero yekuti mudzimai wako wakafa waiwana chii, kusanganisira chero kunonoka kubhadhara mari yechibharo , zvichienderana nekuderera kana iwe uchitaura usati wawana FRA yako (kana kuti mukadzi anenge aripo anogona kuunganidza pachake kubatsirwa, kana huru).

Cherechedza 1 : Kana iwe uri kuzviwana iwe pachako, unowana hukuru hwechirikadzi / murikadzi kubatsirwa kana iwe pachako - kwete zvose.

Cherechedzo 2: Purogiramu yekuona kuti FRA yako yakasiyana zvakanyanya pamubhadharo wekusunungurwa kupfuura kune chirikadzi / mubairo.

Cherechedzo 3: Kana iwe uchitanga kubatsirwa usati wawana FRA, uye iwe unoramba uchishanda, kana mari yako yapera kudarika Social Security mitsva yekuwana chikamu chezvipo zvako chichadzorerwa. Kana ukangosvika kuFR izvi zvishoma hazvizoshandisi uye kubatsirwa kwako kuchagadziriswa kutanga kutora chikamu chakachengetwa zvakare.

Kana mudzimai wako akafa asina kutanga kubatsira ...

• uye akafa pamberi peFR , saka sechirikadzi (er) iwe une kodzero yekuwana 100% yemurume wako wakafa PIA kana wakasvika paFaa yako. Chirikadzi (er) inobatsira ichaderedzwa kana iwe uchitanga kubatsirwa zvisati zvaitika kuFrA yako. Izvi zvinoreva kana mumwe wako apfuura ari nemakore makumi matanhatu nematanhatu uye asina kutanga huripo, asi sechirikadzi / murikadzi unogona kugamuchira zvavangadai vakawana pazera remakore makumi matanhatu nematatu (vachifunga 66 vaiva FRA yavo, uye vachifungidzira kuti mava kusvika kuFaida yenyu) . Vanhu vazhinji vanoberekwa kubva muna 1943 kusvikira muna 1954 vane FRA ye66.

• uye wakafa paFR kana kupfuura , iwe iwe semudzimai anoramba uripo ane kodzero yezvose zvavangadai vakawana musi wavo wekufa, kusanganisira kushandiswa kwechipi nechipi chinononoka kubhadhara chikwereti, zvichienderana nekuderedzwa kana iwe usati wambova FRA.

Izvozvo zvakajeka sematope, handizvo here? Sezvandataura, mitemo yakaoma.

Chirikadzi / murikadzi anobatsirwa mitemo yakaiswa panzvimbo apo yaive yakajairika kuva nemumwe musingashandi. Nheyo yemitemo iyi ndeyekuita kuti hurumende ipe imwe mari kune mumwe mukadzi anoramba aripo angave asina imwe nzvimbo yekuwana mari yomubhedheni.

Kubva muna 2017, kune 71% yevakwegura vasina kubhadhara, Social Security inokwana makumi mashanu kubva muzana yemari yavo yekurasikirwa uye 43% yevasiri vasiri vashandi vanovimba neSocial Security ye 90% kana kuti yakawanda yemari yavo. (Kubva: Fact Sheet )

Social Security Widow Benefits For Vakaroorana Naye

Kana iwe wakaroorwa kune wako wekare kwemakore gumi, uye iwe usina kuroorwa zvakare usati wava nemakore makumi matanhatu, iwe unogonawo kukodzera kuunganidza chirikadzi Social Security kana kuti muzuzi kuti abatsirwe kune mumwe munhu akafa akarembera . Hongu, iwe unogona chaizvo. Kunyange dai vakanga varoora zvakare.

Kaviri Kudonha, Nzira Yakakura

Kana iwe wakashanda uye uchakwanisa kubhadhara iwe pachako Social Security rubatsiro, imwe sarudzo yaunayo sechirikadzi kana murikadzi inotora chirikadzi / mufudzi kubatsirwa pakutanga, uye gare gare shandura iwe pachako, kana kuti zvimwe.

Somuenzaniso, chirikadzi imwe yandaishanda nayo yaiva nemasarudzo maviri aya:

1. Tora chirikadzi inobatsirwe pamadhora makumi matanhatu emadhora makumi mapfumbamwe nemakumi matanhatu nemana pagore, ipapo pazera remakore makumi manomwe ekubhadhara kwake uye uwane $ 20,304.
2. Kana kuti aigona kutora mari yake yekubatsira kubva pamakore ake makumi matanhatu nemadhora makumi manomwe nemakumi matatu nemakumi mashanu pagore, uye pazera remakore makumi matanhatu nemakumi matanhatu nemakumi matanhatu nemakumi maviri nemakumi maviri nemashanu pagore.

Pakutanga kutarisa, kutora mari pazera rake 60 kwakaratidzika semafungiro akanaka, asi patakafungidzira mari yakazara yaaizowana pamusoro pemararamiro ake oupenyu, kusarudza sarudzo 2 ichaita kuti ave nemari yakawanda yehupenyu (zvinodarika $ 30,000zve) uyezve kuchengetedza mari yakachengetedzeka-yakagadziriswa pamakore makumi matanhatu nepamana (zvichifunga kuti anorarama kusvika kune makore 86 kana kuti gare gare).

Usati wasarudza nguva yokutanga yako Social Security maitiro iwe ungada kushandisa Social Security calculator iyo inogona kubhadharira chirikadzi / chirikadzi inobatsira, kana kubvunzana nemuiti wekubatira mari uyo anopa mazano paZimbabwe Security strategies. Chisarudzo chakanaka chinogona kureva kuchengeteka kwako iwe panguva yako yekurega basa.