Vamwe Vanhu Vachabhadhara Apo Vamwe Havazoiti
Iwe unogona kunge uchiziva kuti Social Security inonyanya kukosha yekusunungurwa kwemari asi iwe zvichida unoziva zvishomanana nezvehupenyu hwehupfumi hwehupfumi. Maererano neSocial Security , kukosha kwomuponesi kunobatsira iwe unogona kukodzera pakufa kwemumwe wako kana kuti mubereki akakwirira kudarika kukosha kwe inshuwarisi yehupenyu hwako, kana iwe une mutemo.
Asi chero nguva yaunobhadharwa, mitero inova nehanya.
Ndekuchengetedzwa Kwemagariro kunobhadharwa here?
Mhando mbiri dzeZvibatsiro
Mhinduro yacho-sekugara-inobva. Chokutanga, ngationei maitiro maviri evanhu vanochengetedzwa nehupfumi hwevanhu.
1. Chirikadzi kana Mufaro
Kana mumwe wako apfuura, mudzimai anenge aripo angagamuchira zvizere kana achinge asvika kumakore avo ose ekurega basa kana kupera zvishoma kana ava nemakore makumi matanhatu. Kana mudzimai wacho akaremara, zvikomborero zvinotanga pamakore makumi mashanu. zera kana vakatarisira mwana muduku kana ari wechidiki kana ane makore 16 kana akaremara, uyo anogamuchira Social Security inobatsira. Mudzimai anoramba aripo anogamuchira nguva imwechete yekufa rufu rwe $ 255 pasinei nezera ravo. Vane makore maviri ekutaura kubatsirwa.
Kuwanda kwebatsiro kunowanzooma. Kana mumwe kana mudzimai asina kubatsirwa, uye mudzimai anenge achiri mupenyu anoshanda, iye achawana avo kana vakafa vakaroorana-kazhinji chero chipi zvacho chiri chikuru. Kana mumwe aida kubatsirwa uye mumwe akanga asiri, mudzimai anoramba aripo achada kubatsirwa kuti awedzere sei kuwedzera maitiro avo .
Kurarama nekurambana vakaroorana vanowanzopiwa rubatsiro rwekupa imba iyi makore anenge gumi uye vasati varoorwazve vasati vava nemakore makumi matanhatu. Mamwe mitemo inoshandiswa iyo inogona kukanganisa mukadzi akarambana kuti awane rubatsiro.
Mafadziro echirikadzi kana Mufaro Akabatwa
Mutero wekubhadhara wakafanana zvakafanana kana munhu wacho ari kubhadhara zvichienderana nemakore avo emabasa.
Kusvikira 85 kubva muzana yemitengo yakagamuchirwa inogona kuve yakabhadhara asi iyo inobva pane zvakawanda zvayo asi inonyanya kuzivikanwa ndiwo muedzo wokuwana. Kana munhu wacho ane chero mari yakawedzerwa asi iri pasi pe $ 25,000, zvikwereti hazvingabhadharwi. Kana vakagamuchira pakati pe $ 25,001 uye $ 34,000, 50 muzana yevakasara vanobhadhara mitero. Kune chimwe chinhu chinopfuura $ 34,001, 85 muzana inotengesa. Nekudzoka kwekubatana, zvikumbaridzo ndeye $ 32,000, $ 32,001- $ 44,000, uye $ 44,001 uye pamusoro.
2. Vasina Kuroora Vana
Maererano neSocial Security , 98 vevana 100 vanogona kuwana zvikwereti. Kana mwana wemubereki akafa ari pasi pezera remakore gumi nemasere kana 19 kana vari kupinda kuchikoro chepuraimari kana chekondari nguva yakazara, iye anokwanisa kukwanisa kuponeswa. Vanogonawo kuwana zvikwereti pane imwe nguva kana vakaremara vasati vava nemakore makumi maviri nemasere uye vachiri kurema. Vanodzidzisa vana, vazukuru, nhanho vazukuru, kana vana vanobhabhatidzwa vanogonawo kubatsirwa. Vana vakakodzera vanogona kugamuchira kusvika 75 kubva muzana yemubereki wakafa inobatsira.
Maitiro Avo Akabatanidzwa
Kuparara kunobatsira vana kunotengesa mune zvimwe zviitiko asi mumatambudziko mazhinji, vana havazobhadhara mitero.
Kana mupukunyu anobatsirwa ndiwo chete mari iyo mwana anowana, havazobhadhara mitero pane zvinobatsira.
Kana mwana wacho akawana mari kuburikidza nebasa kana mamwe maitiro, vamwe kuverenga kunofanira kuitika. Wedzera hafu yezvipo zvemwana zvegore kune imwe mimwe mari yavakagamuchira. Kana chikamu ichocho chakakwanira kuti chizadzise kudiwa kwekutsvaga, mari inowanikwa inotengesa. Kune vana, nhamba iyoyo iri $ 10,400 kubva muna 2017 .
Mubereki Akabatwa Here?
Kana iwe uri mudiwa wako uye mwana wako anogamuchira vanoponeswa, iyo mari ndeyayo uye haibatsiri pamitero yako. Iwe haubhadhara mitero yemari yemwana uye hapana chikamu chehutano hwako hwehupfumi huchava nemagumisiro ekukwanisa kwavo kuwana zvikwereti kana vakakodzera.
Maximum Mhuri Mibayiro
Kana mhuri inowana mari inopfuura 150 muzana kusvika 180 kubva muzana yemubairo wevabereki vakafa, Social Security ichaderedza zvikwereti zvakaenzana kune vose kunze kwemubereki anoramba aripo kusvikira iyo yose inosvika muwandu wepamusoro.
Zvakaoma
Kupukunyuka kunobatsira kwakaoma. Muzviitiko zvakawanda iwe unofanira kuenda kuhofisi ye Social Social kuti uone kana iwe kana mwana wacho akakodzera uye kuti zvikomborero zvakadini zvichave. Kunyanya kana iwe uri kushanda uye pasi pezera rakakwana rekurega basa, tora rubatsiro kuitira kuti urege kukanganiswa nezvikomborero zvakakodzera zvako.