Ko Purogiramu Yenyu Ichava Iko Paunenge Wasara?
IPBGC inonyanya kubhadharwa nemarikiti inobhadharwa nemakambani ane pensions iyo inovimbisa. Inowedzerawo mari kubva kumari yepensheni iyo inotora kubva kumakambani akaoma.
Zvinoita
IPBGC inotsigira mari yepensheni ye 44.1 mamiriyoni evanhu vanopfuura 30 000 zvirongwa zvepenheni. Kana makambani akapa mapurogiramu aya asingakwanise kuapa, PBGC inopinda mazviri. Somuenzaniso, kambani yako inogona kuenda kubhadhara. Izvo zvinogonawo kuitika kana mari yepensheni isina kutarisirwa. Dzimwe makambani haana kuisa parutivi zvakakwana kuti awane mari yepenheni. Mamiriyoni evakatora mari aizongogamuchira zvishoma zvishoma zvavaifanira.
PBGC inodzivirirawo mari yakawanda yevanoshandira mari yepensheni. Izvi zvinobvumira makambani maduku kuti asungirire pamwe chete kuti aumbe mapepa akasiyana-siyana. Vashandi vanobatsirwa nekukwanisa kuchinja makambani pasina kurasikirwa nemari yavo yepensheni. Kune mamiriyoni gumi iye zvino uye vashandirwe basa muzvirongwa zvakasiyana-siyana zvevatariri. Vazhinji vavo vangangodaro vasina mari.
Iyo Inoshanda Sei
PBGC haina kuvhara chirongwa kusvikira yakatongerwa. Iyo kambani yakagumisa chirongwa uye PBGC yakabvumirana kuva mutongi.
Zvinogona kungoitika chete kana dare rekusimbisa rinosarudza kuti kambani haigoni kuramba ichiita kana ikaramba ichiita mari yepensheni. Dzimwe nguva PBGC ichasarudza kutora chirongwa chinoshandiswa mari. Sangano remurongwa wekambani rinofanira kupa iyo ruzivo gore negore kune vashandi vose. Pane imwe nguva PBGC yakava mutrasti, mushandi haagoni kuwana mari yakawedzerwa.
PBGC Makomborero
IPBGC inongoratidzira hutano hwepensheni. Mukuwedzera kune kubhadhara-muzera-mubhadharo wemari, inosanganisira kubhadhara mari yekubvisa mari, kubatsirwa kwekuremara, uye kubhadhara mari kune vanopona.
Zvikomborero zvinoenderana nepurogiramu yako, mitemo yepamutemo, makore ako, uye urongwa hwezvinhu. IPBGC haisimbisi hutano hwehutano, kubhadhara mari yekusarura, kubhadhara kwezororo, imwe yveshuwarisi yekufa inobatsira uye zvimwe zvisiri mari yepensheni. Iko hakuna mari-ye--hupenyu hugadziriko .
Iyo Inoshusha Sei Mari yeUnited States
Nyanzvi dzakawanda dzinofunga kuti nhamba isingazivikanwi yemakambani haazove mari yekukwanisa kubhadhara mari yavo yepenjeni. Kana makambani mazhinji akawanda achitsvaga kudzivirirwa kubva kuPBGC, iyowo haigoni kubhadhara pensions. Izvi zvichabvisa mamiriyoni evarashi vepamba basa risina mari. Nzvimbo yavo chete yekuwana mari ichava Social Security. Vamwe vachaomanikidzwa kuramba vachishanda kana vachigona.
Muna 2006, Mutungamiri Bush akasayina Pension Protection Act ya2006, inoda kuti makambani akwanise kubhadhara zvizere zvirongwa zvavo. Vakanga vane makore manomwe kuti vave zana kubva muzana vaibhadhara mari. Vaizotora kuwedzera mitero yemitero yezvipo. Zvirongwa zvisingasviki makumi masere kubva muzana kubva muzana zvakabhadharwa mari hazvigone kupa zvimwe zvipo.
Makambani akatsigira mapurogiramu avo kuPBGC uye akabuda kubva kubhengi aifanira kubhadhara chirango. Iko yaiva $ 1,250 mumwe wevatori vechikamu kwemakore matatu.
Iyo Pension Protection Act inobvumirawo mabhizimisi kuti anyorese kamwechete vashandi mune 401 (k) zvirongwa. Pasina iyo, vashandi vaiwanzoshandisa mari yacho panzvimbo pokuchengetedza mari.
US Pension Crisis
PBGC ikozvino inopa chete zvikwereti zvevakadzingwa 683,000. Yakanga isingakwanisi kubhadhara kaviri kana katatu sevakatora mari. Yakanga isingakwanisi kupa mamiriyoni makumi maviri nemakumi mashanu ekubhadhara iyo inovimbisa. Nokudaro, PBGC inongova yekumira-gap chiyero. Haisati yagadzirirwa kutarisana nenhamo yakawanda yepfenheni.
Kunyange zvazvo mapeji mazhinji ari mari yakawanda, mamwe akawanda haasi. Somugumisiro, vamwe vanochera zvikwereti. Izvi zvinokonzerwa nomutemo wegore ra2014 wakabvumira mari yakawanda yevanoshandira mari kuderedza mari yavasina kuwana mari.
ICentral States Pension Fund yakashandirwa kuHurumende yeUnited States kuvhara zvikwereti zvevashandi vemotokari mazana maviri nemakumi mana nemhuri dzavo. Pfuma yepamusoro yakaramba kuputswa. Somugumisiro, iyo Fund inoti ichazoputsika muna 2025.
IPBGC inofanira kutora mhindu. Asi hazvigoni kubhadhara zvizere. PBGC yevashandi vakawanda vanoshandiswa ichapedza 2025, maererano neChishanu Yayo Yenyaya . Izvi ndezvokuti zvikwereti zvakabhadharwa nevashandirwi hazvina kukwana kubhadhara mari yekubhadhara yakarongwa.
Nzira Yokuwana Nayo Kana Wakadzivirirwa nePBGC
Tsvaga kana iwe uine hurongwa hwepenjeni, unozivikanwawo sechinhu chinorondedzerwa chirongwa. Bvunza chirongwa chako mutungamiri kune kopi yeS Summary Plan Description. Izvozvo zvichakuudza kana iwe wakafukidzwa nePBGC. Uyewo bvunza kana mari yepensheni inenge inenge 80 muzana inobhadharwa mari. Vashandi vakawanda vatsva nhasi havana imwe, nokuti makambani avo zvino anopa 401 (k) s panzvimbo.