Maoko-pane mutungamiri wekushandira nhamba dziri shure kweHuman Social Security.
- Unosvika kwenguva yakareba sei uchishanda
- Zvakawanda sei iwe unoita gore negore
- Inflation
- Inguva ipi iwe watanga kutora zvaunobatsira
Muchirongwa ichi-nhanho, ndinokuratidza kuti izvi zvinokanganisa sei kubatsirwa kwako.
Nzira Yekuchengetedzwa Kwevanhu Inotaridzirwa Sei?
Pane matanho matatu ekutora anoshandiswa kuverenga mutengo we Social Social benefits iwe uchawana.
Danho 1: Shandisai mari yekuwana mari yako kuti uverenge yako Average Indexed Monthly Earnings (AIME).
Danho 2: Shandisa AIME yako kuverenga yako Primary Primary Amount (PIA).
Danho 3: Shandisa PIA yako uye uigadzirise iyo yezera iwe uchatanga maropafadzo.
Muchikamu chino ini ndinovhara imwe neimwe yezviito izvi uye ndinopa matafura kuratidza kuti maverengi anoshanda sei. Kuti uite pamwe chete, tora kopi yebazi rako re Social Security rinopa mhindu yako yezvakaitika kare, shandisa data yandinobatanidza kune rimwe nerimwe chikamu, uye chengetedza nhamba dzako mumashonga.
Nhanho 1: Kuverenga Nhamba Yenyu Yakadikanwa Sei Mwedzi Mhuri?
Unhu Hwako Hwezvokuchengetedzwa Kwemagariro kubatsira kuverenga kunotanga nekuona kutora kwawakaita kwenguva yakareba sei nekuwanda kwewakaita gore negore. Iyi inhoroondo yekuwana inoshandiswa kuverenga yako Average Indexed Monthly Earnings (AIME) uye kuverenga kunosanganisira makore makumi matatu nemakore anopfuura makumi maviri emari yemari yaunayo.
IAIME kuverenga inoshanda seizvi (muenzaniso unoratidzwa mu tafura iri pasi):
1. Tanga nerunyorwa rwemari yako yegore negore.
Nhoroondo yako yekuwana inoratidzirwa paIndaneti yekuchengetedzwa kwehupfumi, iyo iwe unogona kuwana ikozvino paIndaneti.
Mumuenzaniso uri pasi apa mibairo inowanikwa inowanikwa muColumn C. Kuwana mari iri pasi pemutsetse wegore negore kunosanganiswa. Uyu muganhu wegore negore wekubatanidza mubhadharo unonzi "Contribution uye Benefit Base" uye unoratidzwa seMa Max Mitsva muColumn H iri patafura iri pasi apa.
2. Gadzirisa gore roga roga rokubhadhara kwekutengesa.
Social Security inoshandisa chirongwa chinonzi mubhadharo wekugadzirisa kuratidza kuti ungashandura sei mari yako yekuwana zvekuwedzera. Kune matanho maviri makuru muhuwandu hwekuenzanisa.
- Gore roga rega Social Social Security inoparidzira pasi rose mubhadharo wegore. Iwe unogona kuona iri bhuku rakabudiswa paNational Average Wage Index peji.
- Mamiriyoni ako akakonzerwa nehuwandu hwemari yegore iwe unoshandura makumi matanhatu. Kwegore negore, iwe unotora muvhareji wemari yekunyorera gore rako (iro ndiro gore raunoshandura makumi matanhatu) rakakamurwa nemuwandu wemari yegore iwe uri kunyora, uye wowedzera yako inosanganisira mari yekuwana nhamba iyi.
Muenzaniso:
- Mumuenzaniso uri pasi apa tarisa ma1984 muhomwe ye $ 21,000 muColumn C.
- Ivhareji mari yegore iroro yaiva $ 16,135 muhomwe D.
- Iwe unotora madhora 44888.16, muvhareji yemari yegore uyu munhu akatendeuka makumi matanhatu (2013 yakasimbiswa mumutauro wakashandura) akaparadzaniswa ne $ 16,135, kuti uwane Index Factor yaunoona muKutora E.
- Itai kuti ma194 awane mari kuburikidza nechinyorwa chino kuti muwane $ 58,423 zvamunoona muChoto F.
Ona mamwe maviri mahedheni ekuenzanisira mienzaniso kubva Social Security.
Nokuda kwekuti mushandi wekuenzanisa mushonga unoshanda sei, kana iwe usati wava 62, kuverenga kwako kuti uone kuti Social Security yakadini yaunowana ndeyokufungidzira chete. Kusvikira iwe uchiziva wega mubhadharo wegore iwe unotendeuka makumi matanhatu, hapana nzira yekuita yakaenzana kuverenga. Kunyange zvakadaro iwe unogona kufunga kuti kutengesa kwemazana ekutengesa kwepabonde kunowanikwa muhomwe yehuwandu kuenzanisa muvhareji wemari inotungamira uye kushandisa avo kugadzira kuongororwa.
3. Shandisa makore ako akakwirira makumi matatu nemakumi matatu ekubhadharwa mubhadharo uye uverenge chiyero chepamwedzi.
The Social Security benefits calculation inoshandisa yako yepamusoro makore makumi matatu emari yekuwana kuverenga yako yawakaita mwedzi miripi. Kana iwe usina makore makumi matatu ekubhadhara, zero inoshandiswa muhuwandu, iyo inoderedza muvhareji. Mumuenzaniso uri pamusoro apa munoona makore makumi matatu apfuura mumutsetse G.
Zvose zvakapfuura makore makumi matatu nemakumi matatu ehurukuro inowanikwa uye kugovana iyi yose ne420 (iyo inhamba yemwedzi mumakore makumi matatu emabasa emakore). Iwe unoona izvi zvakasimbiswa nehuni mumuenzaniso wepamusoro.
Chigumisiro: yako Average Indexed Monthly Earnings kana AIME.
| A | B | C | D | E | F | G | H |
|---|---|---|---|---|---|---|---|
| Gore | Age | Zvechokwadi Mitsara | Average Wages | Index Factor | Mitsara yeIxedxed Pashure peKap | Makore 35 Makore Apamusoro | Max Mazano |
| Kubva Mutero SS Stmt. | Kubva kuSSA Website | Zera 60 Avg. Mharidzo / Chaizvo Gore raMwaka. Mubayiro | Wedzera Gore Rino Chaizvo Mhomwe neInternet Index Index | Kana makore anopfuura makumi matatu akashanda, tora zvakapetwa makumi matatu nemakumi matatu. Kwete makore makumi matatu, pinda mu 0 kwemakore asipo | Kubva kuSSA Website | ||
| 1971 | 18 | 1000 | 6497.08 | 6.909 | 6909 | N / A | 7800 |
| 1972 | 19 | 2000 | 7133.8 | 6.292 | 12586 | N / A | 9000 |
| 1973 | 20 | 3000 | 7580.16 | 5.922 | 17766 | N / A | 10800 |
| 1974 | 21 | 4000 | 8030.76 | 5.590 | 22360 | N / A | 13200 |
| 1975 | 22 | 5000 | 8630.92 | 5.201 | 26010 | N / A | 14100 |
| 1976 | 23 | 6000 | 9226.48 | 4.865 | 29196 | N / A | 15300 |
| 1977 | 24 | 7000 | 9779.44 | 4.590 | 32137 | N / A | 16500 |
| 1978 | 25 | 8000 | 10556.03 | 4.252 | 34024 | N / A | 17700 |
| 1979 | 26 | 9000 | 11479.46 | 3.910 | 35199 | N / A | 22900 |
| 1980 | 27 | 10000 | 12513.46 | 3.587 | 35872 | 35872 | 25900 |
| 1981 | 28 | 11000 | 13773.10 | 3.259 | 35850 | 35850 | 29700 |
| 1982 | 29 | 18000 | 14531.34 | 3.089 | 55603 | 55603 | 32400 |
| 1983 | 30 | 20000 | 15239.24 | 2.946 | 58911 | 58911 | 35700 |
| 1984 | 31 | 21000 | 16135.07 | 2.782 | 58423 | 58423 | 37800 |
| 1985 | 32 | 22000 | 16822.51 | 2.668 | 58703 | 58703 | 39600 |
| 1986 | 33 | 23000 | 17321.82 | 2.591 | 59603 | 59603 | 42000 |
| 1987 | 34 | 24000 | 18426.51 | 2.436 | 58466 | 58466 | 43800 |
| 1988 | 35 | 25000 | 19334.04 | 2.322 | 58043 | 58043 | 45000 |
| 1989 | 36 | 25000 | 20099.55 | 2.233 | 55832 | 55832 | 48000 |
| 1990 | 37 | 25000 | 21027.98 | 2.135 | 53367 | 53367 | 51300 |
| 1991 | 38 | 27000 | 21811.60 | 2.058 | 55666 | 55666 | 53400 |
| 1992 | 39 | 29000 | 22935.42 | 1.957 | 56757 | 56757 | 55500 |
| 1993 | 40 | 30000 | 23132.67 | 1.940 | 58214 | 58214 | 57600 |
| 1994 | 41 | 36000 | 23753.53 | 1.890 | 68031 | 68031 | 60600 |
| 1995 | 42 | 37000 | 24705.66 | 1.817 | 67226 | 67226 | 61200 |
| 1996 | 43 | 38000 | 25913.90 | 1.732 | 65824 | 65824 | 62700 |
| 1997 | 44 | 39000 | 27426.00 | 1.637 | 63831 | 63831 | 65400 |
| 1998 | 45 | 40000 | 28861.44 | 1.555 | 62212 | 62212 | 68400 |
| 1999 | 46 | 41000 | 30469.84 | 1.473 | 60401 | 60401 | 72600 |
| 2000 | 47 | 42000 | 32154.82 | 1.396 | 58632 | 58632 | 76200 |
| 2001 | 48 | 40000 | 32921.92 | 1.363 | 54539 | 54539 | 80400 |
| 2002 | 49 | 40000 | 33252.09 | 1.350 | 53997 | 53997 | 84900 |
| 2003 | 50 | 40000 | 34064.95 | 1.318 | 52709 | 52709 | 87000 |
| 2004 | 51 | 43000 | 35648.55 | 1.259 | 54145 | 54145 | 87900 |
| 2005 | 52 | 45000 | 36952.94 | 1.215 | 54663 | 54663 | 90000 |
| 2006 | 53 | 46000 | 38651.41 | 1.161 | 53423 | 53423 | 94200 |
| 2007 | 54 | 48000 | 40405.48 | 1.111 | 53325 | 53325 | 97500 |
| 2008 | 55 | 50000 | 41334.97 | 1.086 | 54298 | 54298 | 102000 |
| 2009 | 56 | 44000 | 40711.61 | 1.103 | 48514 | 48514 | 106800 |
| 2010 | 57 | 44000 | 41673.83 | 1.077 | 47394 | 47394 | 106800 |
| 2011 | 58 | 46000 | 42971.61 | 1.045 | 48052 | 48052 | 106800 |
| 2012 | 59 | 48000 | 44321.67 | 1.013 | 48614 | 48614 | 110100 |
| 2013 | 60 | 45000 | 44888.16 | 1 | 45000 | 45000 | 113700 |
| 2014 | 61 | 45000 | 44888.16 | 1 | 45000 | 45000 | 117000 |
| 2015 | 62 | - | 44888.16 | 1 | 118500 | ||
| * makore makumi matanhatu ndiro gore rinotarisa | Gura Chikamu cheKumbiru G kumusoro 35 maitiro nemwedzi 420 kuti uone AIME | 1,919,040 | |||||
| AIME = | $ 4,569 / mwedzi |
Nhanho 2 - Shandisa AIME Yako Kuverenga Yako Inonyanya Inishuwarenzi Mari (PIA)
Kana uchinge waverenga Average Indexed Monthly Earnings (AIME), unovhara nhamba iyoyo muchirairo kuti uone yako Primary Primary Money, kana PIA. Iyi shanduko inobva pane chimwe chinonzi "bend points".
Social Security Bend Points
ISocial Security inobatsira iyo yakagadzirirwa kutora nzvimbo yakakwirira yemari yevanowana mari shoma pane yekuwana mari yakawanda inowanikwa.
Kuti uite izvi, chirevo chacho chinonzi chii chinonzi "bend points". Izvi zvinokonzera bend zvinogadziriswa zvekutengesa gore negore.
Bheni inotarisa kubva mugore raunoshandisa makumi matanhatu rinoshandiswa kuverenga yako Social Security Retirement Benefits. Muenzaniso uri mu tafura iri pasi apa anoshandisa 2015 bend pfungwa. Inoshanda seiyi:
- Iwe unotora 90% ye $ 826 yokutanga yeAIME.
- Iwe unotora 32% yeinotevera $ 4,980 yeAIME.
- Iwe unotora 15% yezvimwe zviyero kupfuura iyo $ 4,980.
- Iwe unokwana iyo nhamba nhatu.
Chigumisiro chako ndechokuti yako Inonyanya Inishuwarenzi, kana PIA, mari yaunogamuchira kana iwe uchitanga kubatsiri pa Full Retirement Age (FRA).
PIA yako yakanamirwa kune inotevera inotsika pasi, uye mari yako inobhadhara inotenderera kune inotevera inodarika madhora. (Nenzira yako PIA yako inotarirwa, yakasungirirwa kune imwe yakaderera pasi, ipapo zvigadziridzo zvekutsvaga kwezvinhu zvinoshandiswa.Nhamba iyoyo inotenderera kune imwe yakaderera dime.Zvino chero kukura kana kuderera kunobva pazera rinoshandiswa.
Nhamba iyoyo inotenderedzwa kusvika kune imwe inotevera kudarika mari. Mimwe yeiyi yakafukidzwa mune danho rinotevera.)
Iwe unogona kuona ikozvino uye nhoroondo dzemaitiro bend uye ikozvino kwekunamatira kwegore kunowanikwa paBend Formula Bend Points peji ye website Social Security.
Kana iwe usati wava 62, kubatsirwa kwako kunongoratidzika chete, sezvo iwe usati wati kuziva kuti kugadzirisa kwekupedzisira kwakadini kwegore iwe unosvika 62 uchava.
Iwe unogona kushandisa inofungidzirwa yekutengesa kwemazana ekufungidzira makore anotevera emhete yekunamatira kukudziridza kufanana kwakarurama kwakanaka.
Mumuenzaniso uri mu tafura iri pasi peji ino unogona kuona kuti sei AIME nhamba (yakaverengwa muchitsauko chekare) yakadururwa mu bend point formula kuti inyore PIA.
| Muenzaniso uchishandisa AIME ye $ 4569 / mwedzi | Mutero Wemari Imari | Kuwanda | Kugadziriswa |
|---|---|---|---|
| Bend 1 (kusvika ku $ 826) | 826 | .90 | 743.40 |
| Bend 2 ($ 4569 - $ 826) | 3743 | .32 | 1197.76 |
| Kuwedzerwa | N / A | .15 | 0 |
| Sum | 1941.20 | ||
| PIA Mushure mekukomberedza (pasi kusvika kune imwe yepaidhora nechenda) | $ 1,941 | ||
| Batsirwa paKushanda Kwakakwana Kwekugara (FRA) | $ 1,941 |
Unogona Here PIA Kuchinja Pashure Pako Kusvika Makore 62?
Pane zvinhu zviviri zvinogona kuchinja PIA yako mushure mekunge usvika makore 62:
- Mibairo Yakakwirira - Mipiro mumakore pakati pezera remakore makumi matanhatu nemakumi manomwe rakapfuura rimwe remakore makumi matatu ekuwana mari yakawanda yakashandiswa kare mumushonga ichashandura AIME yako inoshandiswa muPIA formula.
- Kuwedzera kwezvinhu - PIA yako ichagadziriswa neDzimwechete Yezvokugadzirisa Kurarama kunoshandiswa kune vanhu vari kutotambira rubatsiro rweSocial Security. Iwe unogona kuona nhoroondo yeHurumende yekugadzirisa Mitengo paWebsite Security website.
*** Cherechedzai: ichi hachisi iko kugadzirisa kwakafanana kunoshandiswa kurondedzera mibairo yehutsika.
Shoko rekuyeuchidza: chikonzero chinonyanya kukosha vanhu kuwana mhinduro isina kururama pavanotanga kuverenga ivo pachavo pavanozotanga Social Security ndeyekuti vanotora nhamba kubva pamashoko avo uye havashandisi zvakanaka kugadzirisa kugadzirisa.
Danho 3 - Ruramisa PIA Yako yeZera Ruchazotanga Makomborero
Chikamu chokupedzisira cheSocial Security Retirement rubatsiro chawakagamuchira chinobva pazera raunotanga kubatsira.
- Iwe wokutanga iwe unogona kutanga kubhadhara mari yekusununguka uri nemakore makumi matanhatu (makore makumi matanhatu kana iwe uchikwanisa kuwana chirikadzi kana murikadzi kubatsirwa nemumwe mukadzi wakafa kana kuti mukadzi wekare).
- Iwe unowana zvakawanda nekumirira kusvikira nguva inotevera ichatanga kubatsirwa.
Zvechokwadi, imwe shanduro yakaoma inoshandiswa kutsanangura yakawanda sei. Tsanangudzo iri pasi apa uye tafura inoratidza iwe muenzaniso wekuti unoshanda sei.
Zvekuchengetedzwa Kwemakore Age Kuchinja Kunotanga Newe PIA
Nzira yacho inotanga kushandisa yako Primary Primary Amount (PIA) inoratidzwa mudanho rekare. Iyi ndiyo mari yaunowana kana iwe uchitanga kubatsira ndeye Full Retirement Age (FRA) . Yako FRA inogona kusiyana zvichienderana negore rawakaberekerwa. Kune vanhu vakaberekerwa pakati pa1943 na 1954, FRA yenyu ine makore 66.
** Cherechedza kana iwe wakaberekwa muna Jan. 1, yako FRA ichave yakatarwa gore rakapfuura. Mumwe munhu akaberekwa muna Jan. 1. 1955 achava neFR kubva muna 1954.
- Kuderedza kunoshandiswa kuPIA yako kana iwe uchitanga kubatsirwa zvisati zvaitwa neFrA yako.
- Chikwereti, chinonzi kunonoka kubhadhara mari yechikwereti, chinoshandiswa kana iwe ukatanga matambudziko mushure meFRA yako.
Rondedzero yokuderedza kana iwe uchitanga kubatsirwa zvisati zvaitwa neFRA yako
- 5/9 ye1%: Zvikomborero zvako zvinoderedzwa ne5 / 9 kubva pa1% pamwedzi, kusvika pamakore makumi matatu nemakumi matatu, zvichienderana nemwedzi yakawanda yaunayo kusvikira wasvika kuFRA.
- 5/12 kubva pa1%: Kana iwe unopfuura mwedzi 36 kubva pakusvika kuFRA, kuderedza kunoshandiswa kunoshandiswa, uye zvino kwehuwandu hwemwedzi hukuru kupfuura 36 chimiro chinoshandurwa kusvika kuderedza 5/12 kubva 1%.
Mhinduro:
- 25% kuderedza: Kana FRA yako iine makore 66, izvi zvinoreva kuti zvikomborero zvako zvichaderedzwa ne25% kana uchitanga kuva nemakore makumi matanhatu nematanhatu.
Chikwereti chekuwana rubatsiro mushure meFRA
- 2/3 ye1% pamwedzi, kana 8% pagore: Kana iwe wakaberekwa muna 1943 kana kuti gare gare, zvikomborero zvako zvichawedzera 2/3 kubva 1% pamwedzi (8% pagore) pamwedzi umwe wawakapfuura FRA yako paunotanga kubatsirwa. Kuparara kunobatsira chirikadzi kana murikadzi inobatanidzwawo muzvikwereti izvi zvakanonoka kubhadhara.
Mhinduro:
- Kuwedzera kwe 32%: Kana FRA yako iri 66, izvi zvinoreva kuti zvikomborero zvako zvichawedzerwa ne 32% nekumirira kusvikira makore makumi manomwe ekutanga.
Maitiro ekuderedza anokanganisa PIA yako
PIA yako inotarwa pazera remakore makumi matanhatu nemana. Kana iwe wakamirira kusvika makore makumi matanhatu nematanhatu, gore roga roga risati rava nemakore makumi matanhatu mari yezvekugadzirisa hupenyu ichashandiswa paPIA yako. Izvo zvinogona kuwedzerwa zvichienderana ne 2% yekutengesa kwemazana zvinoratidzwa mumuenzaniso uri pasi apa kune kurudyi muma "PIA in Future $ 's 2%" column. Iyo yakaderedzwa kana yakawedzerwa kubhadhara yakawanda yemakore akasiyana yakaratidzwa kuruboshwe mu "PIA muNhasi Dollars" column.
Kana iwe uchitova nemakore makumi matatu emari yaunowana, uye iwe uri pedyo nemanomwe nhasi, makore makumi manomwe ekubhadharisa iwe unoona pane yako Social Social Statement ingangove yakakwirira nekuda kwezvikwereti zvekugadzirisa mararamiro. Vakawanda havazviverengi izvi pavanenge vachizviverenga uye izvi zvinoita kuti vafunge kutora Social Security pakutanga ndiyo mutengo uri nani, kana muzvizhinji zvezviitiko (asi kwete zvose), kumirira ndiyo iri nani.
| PIA mumazuva ano amadhora | PIA mune Ramangwana $ s @ 2% | |||||
| Migumisiro | Nhamba pamwedzi | Gore | Age | # Makore kubva zvino | Nhamba | |
|---|---|---|---|---|---|---|
| N / A | N / A | 2013 | 60 | -2 | N / A | |
| N / A | N / A | 2014 | 61 | -1 | N / A | |
| Zvishoma | $ 1455.99 | 2015 | 62 | 0 | $ 1456 | |
| Zvishoma | $ 1553.06 | 2016 | 63 | +1 | $ 1584 | |
| Zvishoma | $ 1682.48 | 2017 | 64 | +2 | $ 1750 | |
| Zvishoma | $ 1811.90 | 2018 | 65 | +3 | $ 1923 | |
| PIA | $ 1941.32 | 2019 | 66 | +4 | $ 2101 | |
| Zvimwe | $ 2096.63 | 2020 | 67 | +5 | $ 2315 | |
| Zvimwe | $ 2264.36 | 2021 | 68 | +6 | $ 2550 | |
| Zvimwe | $ 2445.50 | 2022 | 69 | +7 | $ 2809 |