Nguva Yenguva Yenyu Yenyu Inogona Kuve Nemari Mari
Nguva yekuroorana yakashandiswa kuva yakawanda pamusoro pezvinyorwa zvepano zvemuchato asi apo iwe uchikura, inogona kunzwa zvakanyanya sechisarudzo chebhizimisi. Inogona kukanganisa Social Security inobatsira, kurapwa, uye inogona kuguma nekurasikirwa kwezvimwe zvikomborero. Ndiani aiziva kuti nguva yako yakaroorana iwe paunenge uchirasikirwa inogona kuva nemari?
Social Security
Iwe chete unoda kuroorwa kwemakore 1 kuti mumwe wako awane Social Security maropafadzo akaroorana asi zvichienderana nezera remumwe wako, zvingava pfungwa yakanaka kuti isati yaisa parizvino.
Zvakanaka, iwe nomudzimai wako munofanira kunge mune nguva yakakwana yekusununguka musati maunganidza zvigaro-makore 66 kana 67 zvichienderana nekuzvarwa kwenyu.
Kana iye achishanda asati asvika nguva yakazara yekurega basa, kuroorana kunobhadhara kubhadhara kuchave kwakaderera.
Ko kana iwe wakarasikirwa nemumwe wako uye iwe uri kuunganidza zvikwereti zvichienderana nebasa rako rawakaroorana naye? Zvichienderana nezvinoitika mumamiriro acho ezvinhu, unogona kurasikirwa nezvikomborero izvozvo kana ukarooranazve usati wava nemakore makumi matanhatu. Kana ukamirira kusvika mushure memakore makumi matanhatu, zvikomborero zvako hazvizogadziriswi.
Uyewo, kana iwe uchigamuchira maSS mafaro, mari yako yemudzimai nemari yako inogona kuchinja SSI yako inobatsira, maererano neSocial Security.
Kurambana
Kana imba yako yekutanga yakapedza makore anopfuura gumi uye iwe uine makumi matanhatu kana kupfuura, ungadai wakagamuchira Social Security zvikwereti zvichienderana nebhuku rawakaroorana nemumwe wako kana zvikomborero zvako zvaive zvakakwirira pane kushandisa rako rega rekodhi. Apo iwe unoroorazve, izvo zvingangove zvingaguma.
Iwe haungakwanisi kuunganidza mazano emudzimai kubva kune zvinyorwa zvemumwe wako zvekare kusvikira 1 gore mushure mokuroorana kuitira kuti vakaroorana vazvirongedzere kugadzikana kunowanikwa mune mari.
Matambudziko Emishonga
Kana iwe uchikodzera kuMedicaid asi murume wako kana mudzimai wako wemunguva yemberi haasi, iwe unogona kurasikirwa nekukodzera kwako mushure mekuroorana. Kana uchisarudza kukodzera, zvose zvako uye yako yemhuri yemari inowanikwa pamwe chete.
Kana mari yako yakabatanidzwa yakakwirira kwazvo, hakuna iwe unokodzera. Zvisinei, chero bedzi iwe usina kuroorwa, mari yako inowanikwa yakazvimiririra. Kana iwe uine chirongwa chinotevera chekurapa chinogona kuve chakafukidzwa neMedicaid, zvingava zvakanakisisa kuzviita musati waroorana.
Uyewo funga nezvekuchengetedza kwenguva refu . Pakati pekugara mune imwe nzvimbo yekuchengetedza kwenguva refu ndeye makore matatu pamutengo we $ 200,000 kusvika $ 300,000. Medicare inobhadhara chete 2 muzana yemutemo. Kana mukaroorana wako asina ruvengo rwekuchengetedza kwenguva refu uye asingakwanisi kuripa, mutoro iwoyo unogona kuwira pauri.
Usati waroorana, iva nechokwadi chokuti mari yako yakabatana inogona kutsigira inshuwarisi yenguva yakareba iwe mose, kunyanya kana mari yako yakabatanidzwa isingabvumiri kubhadhara kwezvikwereti iwe pachako.
Chikwereti Matambudziko
Chimwe chiwandu chevanhu chinosvika pakubhadhara mari nechechikwereti mumari yekubhadhara pamwe chete nechikwereti chikuru chemari. Chimwe chidzidzo chakawana kuti pasinei nokuti vanhu vane makore 62-66 vari mumakore ekuwedzera ekuwana upenyu hwavo, chikwata chavo chekuwana-mari-yakasimuka kubva kubva ku1011 muna 1998 kusvika ku2.26 muna 2014. Chidzidzo chakagumisa kuti kukwira kwemari chikwere pakati pevatori vezvekusarudzwa nevakabhadharwa zvinogona kukonzera kukura muvakuru kubhadhara.
Kana munhu apfuura ane chikwereti, mudzimai anenge aripo kazhinji haazofungi kuti chikwereti asi zvimwe zvisiri izvo zvinoshandiswa-kana mudzimai wako akabatana nenyaya yekwereti pakadhi rechikwereti, mubatidzi wekubhadhara chikwereti, uye mune dzimwe nguva kana nyika inharaunda yenharaunda yenyika.
Asi kana vaviri vari vaviri vari kurarama, zvikwereti zvikwereti zvinova mutoro wevakaroorana.
Zvinowedzera, vakaroorana vari kusarudza kufambisa kuroorana kusvikira mumwe nomumwe achigona kubhadhara chikwereti chakaremara. Izvi zvinobvumira mumwe nomumwe kupinda muchato neine tsananguro yemari yakachena.
Pasi Pasi
Mubvunzo wekuti ungaroora rini unogona kunzwa unhu hwechirema mushure mehupenyu. Zvechokwadi-nyika nhepfenyuro yekugadzirisa zvemari inogona kuita basa rekusununguka uye kuronga kwemhirizhonga pamwe chete munzira dzakaoma.
Nhamba inowedzera yevakaroorana iye zvino inosarudza kubatana panzvimbo yekuroora kuti usabhadhara mitero uye Social Security pitfalls inouya nehure mushure mekuroorana. Zvisinei, kubatana kunowanikwa mazita ayo.
Sezvenguva dzose, zvakaoma mari zvisarudzo zvinoitwa zvakanakisisa kuburikidza nemubatsiri wezvemari anokwanisa kutarisa vaviri vari vaviri vanogona kuva nemufananidzo wezvemari uye vanoita mazano ekutora nguva yekuroorana Kana izvo zviri izvo zvinodiwa nemudzimai.