Dzidza kuti mararamiro ehupfumi ehurumende anotarirwa uye kupi kuti awane kuongororwa
Chikonzero cheizvi ndechokuti vachifunga kuti vakakodzera Social Security, munhu weSocial Security rubatsiro inobva pazvinhu zviviri zvinokosha:
- Mari yakawanda yavakawana munguva yekushanda kwavo
- Zera ravanosarudza kutanga kuwana rubatsiro
Basa rako rebasa rinokuvadza Your Social Security retirement benefits
Chokutanga uye chakakosha, kuitira kuti uwane chikamu chekuchengetedzwa kwehupfumi hwehupfumi, iwe kana mudzimai wako (kana wako wawakaroorana naye kana wawakaroorana naye) anofanira kunge akawana chikamu chezvidzidzo makumi mana pamabasa ako ekushanda. Izvo zvikwereti izvi zvinoridzirwa ndezvakaoma kunzwisisa, asi nyanzvi dzakawanda dzezvemari dzinongotaura kuti iwe unogona kukodzera chero bedzi wakashanda kwemakore gumi, iyo ndiyo inowanikwa nguva shoma yekuwana zvikwereti makumi mana. Asi basa rako renhoroondo harisi kungoshandiswa chete sechikamu chezvidzidzo zvekufanirwa, rinoshandiswawo kusarudza muwandu wekubhadhara kwese kubhadhara.
Mukuverenga mazadziro enyu ezvo mwedzi wega wega wekubvisa mari, Social Security Administration (SSA) inofunga nezvekuwana-kuwana mari yako yepamusoro makore makumi matatu emakore emabasa. Kana ukashanda makore masere kusvika makumi matatu, zvisinei, ipapo iwe uchava nemakore apo SSA inoshandisa $ 0 kuti uwane mari yako. Hazvishamisi kuti iyo inowedzera mari yako kune iyo makore makumi matatu, iyo inowedzera kubhadhara mari yako ichava semupiro mukuru wawakagadzira purogiramu kuburikidza nemitero yeFICA .
Cherechedza, zvisinei, kuti kune hovha semari yekuwana pamusoro pemuganhu wegore negore haifaniri kutaridzirwa mune zvaunobatsira kuverenga .
Apo iwe unounganidza unobata yako Social Social retirement benefits
Nhamba yemari inobhadharwa inotarirwa kubva pane zvakaitika munhoroondo yako inofunga kuti iwe unotora basa rekugara muhurumende yako yakazara kana yekusununguka , iyo inobva pane gore rawakaberekerwa. Kune avo vakaberekerwa muna 1937 kana kuti mberi, nguva yavo yekusununguka yakazara (FRA) ine 65. Kune avo vakaberekerwa pakati pa1943 na 1954, FRA ichava nemakore 66. Kune avo vakaberekerwa pakati pe1955 na 1959, iyo FRA ine 66 pamwe nemwedzi mishoma pagore razvo rokuberekwa. Zera rakakwana rekusununguka kune avo vakaberekerwa muna 1960 uye gare gare 67.
Kubhadhara kwemwedzi iwe waunokodzera kugamuchira paFRA yako ndiyo inofungidzirwa kuti iwe unobatsira zvakakwana, asi haisi yepamusoro kana huwandu hwekubatsira iwe unogona kugamuchira.
Vapateri vanewo sarudzo yekuisa mari yekurega basa vasati vava nemakore makumi matanhatu nematanhatu asi vanogonawo kusarudza kunonoka kubatsiri vavo kusvika pakupera kwezera remakore makumi manomwe. Kunyange zvazvo pane zvikonzero zvakawanda zvinoita kuti munhu asiye kusununguka angasarudza kutora nguva refu kana kuti kunonoka, Izvozvo zvinoita kuti sarudzo yacho iite zvakananga kuwandisa kwekubhadhara kwemwedzi. Nokusarudza kubvisa basa rekutanga (chero nguva ipi neipi pakati pezera remakore makumi matanhatu nemashanu) uye uri kusarudza kubhadhara kwemazuva ose kweupenyu hwako hwose.
Nokusarudza kunonoka kubatsirwa kwako kune imwe nguva pakati peFRA nezera remakore makumi manomwe, iwe unonyatsogadzirisa kuwedzera kwekuwedzera kwehuwandu hwekubhadhara kwako mwedzi mumwe nomumwe.
Kunyange zvazvo kubatsirwa kwako kunowedzera gore roga roga pamubhedheni nekuda kwemari yegore negore yemabhadharo ehupenyu, izvi zvinowedzera nguva dzose zvichibva kune zvawakaita zvekubatsira kwegore. Saka, kana ukatora nguva shoma yekurega basa, zvose zvamunobatsira munguva yemberi zvichave zviduku kudarika zvingadai zvakave iwe wakanonoka kubhadhara kusvikira nguva yako yekusununguka yekushumira kana kuti gare gare.
Nzira Yokuverenga Nayo Kubatsirwa Kwako Kwekuchengeteka Kwemagariro
Kuverenga kuongororwa kwaunoita Social Security retirement benefits haisi basa rakanaka, ndicho chikonzero Social Security Administration (SSA) yakaita kuti zvive nyore kuti vashandi vaende kuInternet kana kuti vakashe uye vakumbira kuenzanisa kwehupfumi hwehupfumi (Fomu SSA-7004) zvakananga kubva pakurongwa .
Uku kuenzanisa kuchava nekufungidzira kwekubatsira kwako pazera remakore makumi matanhatu nemashanu, FRA yako, uye pazera remakore makumi manomwe nemakumi matanhatu zvichienderana nebasa rako remazuva ano. Mukuwedzera kune izvi zvinotarisirwa, SSA inayo ine ruzhinji rweSocial Security reward calculators kusanganisira "kukurumidza kuverenga" inogona kukubatsira mukugadzirira kubhadhara neSocial Security.
Kutsvaga imwe shandiswa inobatsira inoratidza nzira yekuwedzera yako Social Security mazano? AARP inopa Social Security calculator iyo ichakubatsira iwe kuenzanisa mararamiro ako emangwana uye ona nguva yakanakisisa yokutaura zvaunobatsira.
Pros uye dambudziko rekuchengetedzwa kwevanhu munharaunda .