Ndinoziva kuti ndinofanira kumirira kusvikira ndasvika kune imwe makore asati ndagamuchira zvigabatsiro, asi inguva ipi iyo?
Mhinduro:
Iwe unogona kutanga semakore makumi matanhatu nematanhatu uye nguva yekupera kwemakore makumi manomwe. Asi iwe une kodzero yekuzadzikisa zvizere apo iwe unosvika kumakore evhesi yekusununguka kana "nguva yakakwana yekusununguka" maererano neSocial Security Administration.
Kune munhu akaberekwa mushure megore ra1937, zera rakapedza basa rekusununguka riri pakati pemakore makumi matanhatu namatanhatu nemakore makumi matanhatu nemashanu, zvichienderana nekuberekwa kwako.
Kana iwe wakaberekwa pakati pa1937 na1942, gore rekusununguka rekusununguka riri 65. Rinogona kuva 65 nemwedzi miviri, mwedzi mina, mwedzi mitanhatu, nezvimwe, maererano nemakore ako chaiwo ekuberekwa. Kana iwe wakaberekwa pakati pa1942 na19199, gore rinowanzopedza basa remakore 66. Zvakare, mwedzi chaiwo uchavimba newakazvarwa gore (kana zuva rako rekuberekwa ndiJanuary 1, iwe unotaura gore rawakaberekwa kare). Kune avo vakaberekerwa 1960 kana kuti gare gare, makore ose ekusununguka kwemakore ari makore 67.
Zvakadini kana ndichida Kutanga Kuwana Social Security Benefits Early?
Kana iwe uchitanga kugamuchira Social Security pazera remakore makumi matanhatu nemakumi mashanu, zvikwereti zvako zvemwedzi zvese zvichaderedzwa zvakakodzera - pamwe ne30%. Vanowedzera negore roga roga pamunosvika makore ose ekurega basa, panguva iyo muchawana zvizere zvikwereti.
Saka, somuenzaniso, kana gore rako rose rekurega basa riri 67, pazera remakore 62 iwe unogamuchira 30% kuderedza muzvikwereti. Pazera remakore makumi matanhatu nemashanu, iwe unogona kuwana zvishoma: 25% kuderedza mubhadharo. Iwe uchawana kuderedzwa kwe20% pazera remakore makumi matanhatu nematanhatu, nezvimwe zvakadaro.
Ko kana ini Ndamirira Kuti Ndiwane Social Security Benefits?
Kana iwe ukanonoka kugamuchira Social Security mibairo kusvikira mushure mezera rekugara, iwe uchawana zvikwereti zvinowedzera chikamu chemari yaunogamuchira iwe paunotanga. Asi kuwedzera uku kunomira kana wava nemakore makumi manomwe.
Saka, somuenzaniso, kana gore rako rose rekurega basa riri 67, iwe unogamuchira kuwedzera kwe8% gore roga roga kuti iwe unopedzisira uwana zvikomborero zvako, kusvikira uchisvika makore makumi manomwe.
Zvisinei, kana iwe ukanonoka kuwana zvikomborero zvako, unofanirwa kushanda kune Medicare musati wava nemakore makumi matanhatu nemashanu. The Social Security Administration inokurudzira kutanga kutora mwedzi mitatu usati waberekwa makore makumi matanhatu nemashanu. Kana iwe usingaiti izvi, iwe unogona kushanda mushure mezera remakore makumi matanhatu nemashanu. Asi kune nguva yakatarwa yekuita saizvozvo. Uye kune gore rimwe nerimwe rausingaiti, premiums yako yeMedare Medicare Part B inogona kuwedzera ne 10%.
Basa Rinobatsira Sei Kuchengetedzwa Kwevanhu Munharaunda?
Iwe unogona kugamuchira Social Security mazano uye unoshanda panguva imwe chete. Zvechokwadi, iwe unogona kuunganidza pazera remakore makumi matanhatu, pasinei nokuti uri kushanda kana kwete. Zvisinei, kana iwe uchiunganidza zvikwereti usati wasvika makore ose ekurega basa, zvikomborero zvako zvingaderedzwa ne $ 1 ye $ 2 yose yaunowana mari inopfuura $ 15,720 muna 2015. Kana ukashanda mugore rose unosvika makore ose ekurega basa, $ 1 muzvibereko ichaderedzwa $ 3 iwe unosvika kumusoro kwepamusoro ($ 41,880 muna 2015), asi kungoverenga kuwanikwa musati wasvika pamwedzi unosvika makore ako ose ekurega basa. (Cherechedzo: Mitsva yekuwana mibairo ye 2016 yakanga isati yakabudiswa neSocial Security Administration panguva iyi inozorora asi ichange iine pano kana iripo.) Kana wawana nguva yakakwana yekurega basa, iwe unogona kuwana zvipo zvako pasina muganhu pane wako mubhadharo.
Chii Chakanaka Chakutanga Kutanga Kuwana Social Security Benefits?
Chero zvingave zvakakosha, Social Security Administration haina nguva yakakurudzirwa kutanga kutambira rubatsiro. Icho chisarudzo chakakwana zvachose kwauri. Iwe uchawana zvishomanana kana iwe ukatanga mangwanani, kana kuti kubatsirwa kukuru kana ukamirira kusvika 70. Unogona kuverenga mutsauko paSSA site.
Tsvaga zvakawanda pamusoro pekuunganidza Social Security benefits:
Nzira Yokushandisa Nayo Social Security Retirement Benefits
Ndinogona Kuwana Social Security kana Ndiri Kushanda Here?
Social Security Spousal Benefits
Mitero paZviviri Zvehupfumi Makomborero
Pfuma: Social Security Administration, 2015
ZVINOKUDZIDZA: Mawebsite ari oga, uye ruzivo rwakabatanidzwa kune zvose uye kubva kune ino yepaiti, maonero uye ruzivo. Nepo ini ndaedza zvose kuti ndibatanidze mashoko akakwana uye akazara, ini handigoni kuvimbisa kuti yakarurama.
Ndapota tsvaka rubatsiro rwemutemo, kana rubatsiro runobva kuHurumende, Federal, kana Hurumende dzehurumende dzese kuti uone kuti kududzira kwako kwepamutemo uye zvisarudzo zvakarurama. Aya mashoko haasi mazano epamutemo uye ndeyekutungamirirwa chete.