Mhedziso yekusara kwemari uye mwedzi woga woga Social Security rufu inobatsira.
1. Lump Sum Social Security Rufu Runobatsira
Mumwe mukadzi (uyo anogara mumhuri imwechete) anogona kugamuchira nguva imwechete yemubhadharo we $ 255. Kana pasina mumwe mukadzi, mwana anovimba naye anowanzova nemakore 18 kana pasi (ona kunze kwekutonga kwemakore gumi nemana pamucheche wechidiki chebhuku re Social Social's website), zvino anokwanisa kukwanisa kubhadhara nguva imwe chete yemari yemari yekufa.
Nhengo yemari inobhadhara rufu inobhadharwa chero bedzi mushandi wevakafa ainzi iye zvino akachengetedzwa , izvo zvinoreva kuti vaive nematambudziko matanhatu emari yekuvharwa neHuman Security kuchengetedza nguva yekanguva yegumi nemakore vasati vafa.
Pasi pane nhungamiro yakawanda pamusoro pokuti ndiani anofanirwa kuisa chikumbiro chemukomborero uyu:
- Kana ruzivo rwekuchengetedzwa kwehupfumi huri kubhadharwa kune chirikadzi kana murikadzi ari kugamuchira kuroorana, saka hapana chikonzero chekushandiswa chinoiswa.
- Kana ruzivo rwehupfumi rwekuchengetedzwa kwevanhu huri kubhadhara kuri kubhadharwa kune mwana akakodzera, anozofanirwa kuiswa mukati memakore maviri ekufa kwevashandi.
Nguva dzose inonakidza kudana Social Security kurondedzera rufu nokukurumidza nekutsvaga mapepa angangoda. The Social Security website inopa ruzivo rwemashoko aunoda kuti upedze kufa kwekushandiswa kwekufa. Iwe unoda kuverenga kuburikidza nezvenyu urongwa uye unounganidza ruzivo rwaunoda usati waita.
2. Kuenderera mberi kweMwedzi Nekuchengetedzwa Kwebasa Rekuchengetedzwa Kwekufa
Muparidzi weMwedzi unobhadhara zvipo zvinopiwa kune chirikadzi / chirikadzi, vanovimba, kana vana vaduku sezvizvi:
Kubatsirwa Kwevaya Vanomiririra Kana Vaya Vanotarisira Mwana Muduku
- Mwana wemushandi ari pasi pemakore 18, pasi pezera remakore makumi maviri nemashanu uye anoshanda nguva yakazara yeparipari kana yekondari, kana kupfuura 18 uye akaremara vasati vava nemakore makumi maviri nemaviri vangakwanisa kubatsirwa nemumwe munhu anoponesa pamwedzi.
- Mubereki wemunhu akafa akave nemakore makumi matanhatu nematatu kana kupfuura uye ainge avimba nemushandi kuti avatsigire angakwanisa kuwana mari inopfuurira.
- Amai kana baba vane hanya nemwana anochengeteka wevashandi vanofa vanogonawo kuwana rubatsiro. Mwana wacho anofanira kunge ari pasi pemakore gumi nematanhatu (kana akaremara asati asvika 22). Uyu amai kana kuti baba vanobatsirwa zvakasiyana nechirikadzi kana murikadzi kubatsirwa nokuti inogona kubhadhara kune umwe wezera chero ripi zvaro, asi mudzimai anenge achiri mupenyu anofanira kuva nemakore makumi matanhatu kana kupfuura kuti ataure chirikadzi kana murikadzi kubatsirwa.
Batsiro yeMudzimai
- Mumwe murume wawakaroorana naye uyo akaroorwa nemushandi we inshuwarisi kwemwedzi inenge mitatu uye ane makore makumi matanhatu kana kupfuura anogona kugamuchira mari yeupenyu hwemwedzi wega wega semunhu anorarama nehupfumi hwehupfumi .
- Mumwe wekare-muwanana wevashandi (kana vakaroora makore anenge gumi) uyo ane makore makumi matanhatu kana kupfuura, uye ndiani asina kuroorazve mushure mezera remakore makumi matanhatu nemakumi matanhatu anogonawo kugamuchira munhu anorarama mwedzi wega wega anobatsirwa. (Kana iwe zvakare wakaroora asi ikozvino wakarambana zvakare iwe unogona kunge uchikodzera.)
Batsiro kune vanhu vari pamusoro inogona kubhadhara kana mushandi wacho aive akachengetwa zvizere kana kuti iye zvino akachengetwa. Parizvino inishuwarenzi inotsanangurwa kare munyaya ino. Inishuwarenzi yakakwana inotsanangurwa pasi apa.
Inishuwarenzi yakakwana inoreva kuti mumwe munhu ane makumi mana emagetsi emabasa akavharwa neSocial Security tax kubvisa.
Muchipfuuriri anoramba aripo anobatsirwa mari inobva pa:
- mubayiro wekodzero yemunhu akafa
- nguva yako yemazuva ano
- ukama hwako kumunhu akafa
Sekufungidzira kwakaoma, semumwe wako waunogara iwe unogona kutarisira kuwana pakati pe70% ne100% yemari iyo mushandi akafa angave akawana kumunhu akafa wezera rekurega basa.
Kurumidza Kuisa Chikumbiro Chekufa Kwekufa
Chikumbiro chekugara kwakachengetedzwa kwemazuva ose eHarare Security inofanira kuiswa mumwedzi mitanhatu yekufa kwevashandi sezvo pasina mwedzi mitanhatu inobatsira ichabhadharwa zvakare.
- Ona: Maitiro Api Okushandisa Kushanda Kwekuchengetedzwa Kwemagariro Evanhu.
Zvikonzero Zvausingave Wakafanirwa Nomukadzi Murikadzi Mwedzi / Mubairo Mazano
Kana iwe ukashanda, waroorwa zvakare musati wava nemakore makumi matanhatu, kana kuti akakodzera kubhadhara mari yekubvisa pabasa rako pachako izvi zvinogona kuderedza kana kubvisa kukodzera kwako kwekupona kwemazuva ose ehupfumi hwehupfumi kunobatsira sechirikadzi kana murikadzi.
Dzidza zvakawanda pamusoro pe Social Security webusaiti Survivors Planner peji.