Mitemo yehupfumi yehutano yakasiyana nemumwe wako kune waimbova nemudzimai
Chikonzero chinowanzokonzera kuvhiringidzika kunobva kune imwe misiyano duku pakati pekubatsira kune wawakaroorana naye kune waimbova nemudzimai. Kuwedzera kuvhiringidzika kunobva pakuedza kujekesa zvinoitika nevakaroorana zvikwereti kana iwe uchitanga usati watanga kusvika shure mushure mezera rekurega basa (FRA).
Kazhinji nguva iyo kuvhiringidzika kunogona kugadziriswa nekunyatsonzwisisa mitemo mitatu inotevera inobata mararamiro emudzimai.
1. Vakaroora mazano kune vakaroorana mavhesi vekare vakaroorana
- Kuti uve akakodzera kubatsirana nemudzimai, mudzimai wako anofanira kunge akazvipira nokuda kwezvaanobatsira .
- Uyu murairo uyo wako wako anofanira kunge akaisa mubhadharo haafaniri kushanda kune vakaroorana vekare .
Iyi misiyano pakati pemudzimai wepabonde inowanikwa kune iye zvino kune waimbova nemudzimai inowanzowanikwa apo kupesana kunouya.
Kuti utaure kubatsirana kunobatsirika zvichienderana nehuwandu hwemhuri yawakaroorana naye, wako wawakaroorana naye anofanira kunge ari 62 uye akakodzera kubatsirwe, asi hapana chikonzero chokuti vangatove vakapa zvipo.
Kuti utaure kuti murume nomudzimai vanobhadhara zvikwereti zvichienderana nehuwandu hwemhuri yawakagamuchira ikozvino, iwe wawakaroorana naye iye zvino anofanira kunge akazvipira nokuda kwezvaanobatsira iye zvino.
Ikoko yaive yakarongwa kune vakaroorana vakadanwa " faira uye kusimudza " apo mumwe mukadzi aizotora asi asimbomira kusimbisa mararamiro ayo akazobvumira mumwe mudzimai kuti awane mari yekuroorana. Kunyange zvakadaro urongwa uhwu hahunawanika.
Pamusana pemitemo mitsva yekuchengetedzwa kwehupfumi yakapedzerwa munaNovember 2015 ani nani anogumisa zvinyorwa mushure meApril 30th, 2016, achagumisa kusimudzira zvikwereti zvose zvinobva pazvinyorwa zvavo - izvo zvinoreva kuti muwani haagoni kukwanisa kubatsirana nemudzimai panguva iyo mudzimai wavo "akamira "zvinobatsira.
Pasi pepamusoro: kana iwe uchiri waroorana wako mudzimai wako anofanira kukupa iwe kuti uwane chikamu chekubatsirana.
Kana iwe wakambova nemudzimai, iwe wakaroora makore anopfuura gumi, wakarambana kwemakore maviri, wako weku makumi matanhatu nematanhatu uye akakodzera kuti uwane zvigaro, haafaniri kutarisirwa kuti iwe uwane kodzero yekuwanikidzwa.
2. Inonzi Kudhinda Mitemo
Apo iwe unyorera yako Social Social retirement benefits iwe unofunga kuti uri kuisa zvese iwe pachako kubatsirwa uye kubatsirana nemudzimai, uye iwe uchapiwa hukuru hwe 2.
Kana iwe wakaberekerwa musi waJanuary 1, 1954 uye uri wezera rekugara mubhadharo (FRA) kana kuti wakwegura, iwe unogona kutsanangura pane zvaunoshandisa kuti ndiyo inoshandiswa kushanda uye iwe unogona kusarudza kutora kuti iwe pachako kubatsirwe kana kubatsirana .
Chirikadzi uye chirikadzi dzinogona kushandisa kushandiswa kusinganzwisisiki chero ipi zvayo yemakore makumi matanhatu kana kupfuura, asi kana iwe hausi chirikadzi kana murikadzi unogona kungopedza basa rako kana:
- Iwe uri FRA kana kupfuura.
- Iwe wakazvarwa musi waJanuary 1, 1954 (mutemo uyu wakatanga kushanda munaNovember 2, 2015).
Usati wasvika paFRA yako, haugoni kushandisa kushandiswa kusinganzwisisi kusarudza kuti iwe unoda kuisa chete nekuda kwekuroorana.
Kana iwe wakaberekerwa musi wa1/1995 kana iwe uchizosvika paFRA iwe unogona kushandisa kushandiswa kusinganzwisisi kuti udzivise huwandu hwekushandira kwako kuti uwane mazano ekuroorana chete, zvichikubvumira kuti uzoshandura kuti iwe pachako uwane mari yakawanda.
Kana iwe wakaberekerwa kana kana mushure memusi we2/2/144 apo iwe unyorera zvikomborero iwe uchaonekwa uri kuiswa kune zvipo zvose zvaunokodzera. Kana wako wako atofa, iwe pachako uchawana hurukuro yako pachako kana kuti murume nemudzimai vanobatsirwa.
Kana wako wako asina kutora asi iwe unenge iwe, kana wawakaroorana naye akanganisa, mitemo inofanirwa kuisa mitemo inoshandiswa. Panguva iyoyo iwe uchave wakakodzera kubatsirana nemudzimai uye kana zvakanyanya kudarika zvauri kuwana iye zvino Social Security ichakubhadhara iwe zvakakwana mari imwe neimwe mwedzi mumwe nomumwe.
Kuvhiringidzika kunouya paunenge wava nemudzimai wechidiki (ngatitii 62) ndiani akaisa, uye mumwe munhu mukuru (ngatitii 65) asina kutumira.
Ngatitii mudiki mafaira aya ari makumi matanhatu nematanhatu. Sezvo mukuru wekare asina kuisa, hutano hwepabonde hahupo huripo asi mudzimai wechidiki anowana pfuma yake.
Kana mudzimai mukuru akashandisa zvikomborero mudzimai wechidiki achange akakodzera kubatsirana, asi nekuti wechidiki akaiswa mangwanani-kare (vasati vasvika paFRA kubatsirwa kwavanoita kuti vaone kuwanda kwevakaroorana ivo vachawana zvakasiyana zvishoma. "Ndanzwa kuti iyo inonzi" kuwedzera zvakaroorana "kunobatsira uye" kuwedzera kubatsirana "kunobatsira. Izvi kuverenga zvinotsanangurwa pasi apa.
3. Kunyanya Kuwanirana kana Kuwedzera Kuwana Vakaroorana
Kazhinji karosi inobatsira ndeye 50% yemukana weFA womudzimai, yakaderedzwa kana mudzimai wako achitaura kuti murume nomudzimai vari kutora mari yekubatsira kare. Kana mumwe mukadzi akatova kugamuchira zvaanobatsira, uye gare gare anokodzera kubatsirana nemudzimai, pane chirevo chinoshandiswa kugadzirisa chiyero chevakaroorana vanobhadhara (kana pane) vangagamuchira.
Ngatishandei kuburikidza naro kuwedzera pane muenzaniso wedu pamusoro apa. Mudzimai wechidiki akadaro pa 62. Mukurumbira wake wekushuwarenzi mari (PIA) yaive $ 800, asi nekuda kwekuti akafanotaura kare akawana $ 600 pamwedzi muzvibereko. ($ 800 / .75 inomiririra kuderedzwa kwaakagamuchira nokuda kwekuda kwake pamberi peFRA.) Mudzimai wekare achazvitsva paanoshandura 66. Purogiramu yake yekutanga inshuwarheni (PIA) inodarika $ 2,100.
Tora wawakaroorana naye PIA akaparadzaniswa ne2, kusanganisa PIA mudiki. $ 2,100 / 2 = $ 1,050 - $ 800 = $ 250.
Apo murume wake anonyora zvikwereti uye anova akakodzerwa kuti ave nemudzimai, $ 250 iyoyo inowedzera kune zvaari kugamuchira iye zvino kuitira kuti purogiramu yake yega yega ichaenda kubva $ 600 kusvika $ 850 panguva iyoyo.
Kana iye akamirira kusvikira pachake FRA ichipa zvikwereti, angadai akawana mari yakazara yevakaroorana inobhadhara madhora 1,050, sezvo izvozvo zvaizove zvakakwirira kudarika yake FRA inobhadhara madhora mazana 800. Ichokwadi kuti aizofanira kutora makore mana ekutanga ekubatsirwa kuti awane mari yakakwirira. Muchiitiko ichi, zvingave zvakanakira kuti atange kufambisa.
Zvimwe Nhare
Kuverenga kwekukaroorana kunokanganisa uye kungada rubatsiro kubva kune Social Security kana muyanzvi wechitatu. Kana iwe uchida kuverenga zvakawanda pamusoro pekuti kubatsirana kwepabonde kunoshanda sei, enda kune izvi zvigadziro pawebsite Social Security:
Batsiro dzevakaroorana - Peji ino inewo calculator inobatanidza chiitiko chekurega basa.
Zvikwereti Zvokufungidzira- Peji ino inokutora iwe ku Social Security's calculators inokubvumira kuti uwane zvakajeka sezvaunoda kuenzanisa zvikomborero zvako.
Mushandirapamwe Wokugadzirisa Basa: Makomborero Kwauri SeMudzimai- Shanduro yakareruka yemitemo ine chokuita nekuroorana nemubatsiro.