Chirongwa Chekushanda Kwemagariro Evanhu Anoshanda Sei
Kune vakawanda veAmerica, Social Security inopa zvikamu makumi mashanu kubva muzana kana zvimwe zvepfuma yavo mukurega basa. Nokudzidza kuti unofanirwa sei neHuman Security Security, iwe unogona kuita zvisarudzo zvinokubatsira kuwana zvakanyanya purogiramu.
Social Security benefits inowanika kune vakawanda vanoita uye vanowana mari muUnited States. Kune matatu mitatu mikuru yezvibatsiro; kubhadhara mari, rubatsiro rwekuremara, uye kupona kubatsira.
Nzira Yokufananidza Nayo Zvekuchengetedzwa Kwekuchengetedza Retirement Benefits
Paunenge uchishanda uye ukawana mari, iwe nemushandi wako mumwe nomumwe unobhadhara 6.2 muzana yemari yako muHarare Social system. Kana iwe uri wekushanda, iwe unobhadhara zvose zviri mubhadharo uye mugove wako wevashandi. Kunyange iwe uchibhadhara muhurongwa uchishanda, rubatsiro rwako rwakawanda muhutano hahugadziriswi nehuwandu iwe newaunoshandira. Pane kudaro, zvinotevera zvitatu zvinosarudza kuti uchawana zvakawanda sei:
- Unosvika kwenguva yakareba sei uchishanda
- Iwe unowana mari yakawanda sei
- Zera ripi iwe waunyorera kuti zviwane
Ngatitarise kuti imwe neimwe yezvinhu izvi inobatsira sei iwe uchawana.
1. Unoshandiswa kwenguva yakareba sei
Paunenge uchishanda uye uchibhadhara muSocial Security system iwe unowedzera "zvikwereti." Chikwereti chinenge chakaenzana neine kota yekota yebasa. Kuti ukwanise kuwana Social Security retirement benefits, unofanirwa kuva nezvikwereti makumi mana kana makore gumi ekushanda kwawakabhadhara muSocial Security system. Iwe unogona kuwana kusvika kune zvikwereti zvina pagore nekuwana $ 5 200 pagore (ichi chiyero che 2017 uye chinogadzirisa gore rimwe nerimwe zvichienderana nehupfumi).
Makore ako emakore makumi matatu nemapfumbamwe ekubhadhara anoshandiswa muhuwandu iyo inotarisa kubhadhara mari yako yekubhadhara mari, kuitira kuti uwedzere kubatsirwa, iva nechokwadi chokuti une makore makumi matatu ezere apo iwe unoshanda uye uripa muSocial Security system.
Cherechedza: Kune vazhinji vashandi vehurumende vane mari yavo yekurega basa uye pavanoshandiswa nemasangano aya hamubhadhara mu Social Security, uye naizvozvo basa renyu kune masangano aya haritauri kuunganidza hutano hweHuman Security. Izvi zvinowanzokonzera vashandi vepapositi, vadzidzisi nevamwe mune dzidzo yevadzidzisi, vanodzima moto, uye vashandi vomutemo.
2. Zvakawanda Zvaunowana
Izvo zvakasimudza mari yaunowana, iyo inowedzera kubhadhara mari yako yekusarura inogona kunge iri, asi pane chikwata. Social Security yakagadzirirwa kutora mari yakawanda yekuwana muchengeti wepasi pane yepamusoro wemutengi, naizvozvo gore roga roga iwe unoripira muhurongwa chete kusvika kumutengo wemari inotsanangurwa seSocial Security Wage Base, iyo iri $ 127,200 muna 2017. Iri mari inowedzera imwe neimwe zvichienderana nehupfumi.
Kana iwe uchida kuona kuti makore mangani emari yaunowana iwe mu Social Social system, tarisa paIndaneti yeSocial Security, iyo yaunogamuchira kwemakore mashanu kubva pamakore makumi maviri kusvika pamakore makumi matanhatu (uye gore rimwe nerimwe shure kwe60) Akaunti yeKachengeteka online.
3. Mazera Aunoti Kubatsirwa
Iwe unogona kutora rubatsiro rwekubvisa mari pamusana pezera remakore makumi matanhatu, asi iwe unowana mari yakawanda yemari kana iwe wakamirira kusvika makore makumi manomwe kuti uise. Kunyatsosvika kuti unowana zvakadini pazera ripi rinoenderana nezera rako rose rekurega basa (FRA) iro rinosiyana negore rokuberekwa. Kune avo vakaberekerwa musi waJanuary 2, 1943, kana kuti gare gare FRA yako ichava nemakore makumi matanhatu nemakore makumi matanhatu nemazana matanhatu.
Kana iwe ukaisa pamberi pako usati wawana FRA, uye iwe unoramba uchishanda, chikamu chemari yako inobhadharwa nekuda kwechinhu chinonzi mibairo yekuwana . Kana ukangosvika FRA, muganhu wekuwana hauna kushanda zvakare. Kana iwe wakaroorana uye iwe unogona kunge wakakwanisa kubatsirwe nekuchengetedzwa kwehupfumi kune wako wako, nguva yaunenge uchitaura ichaitawo kuti mupone wako awane ruzivo.
Kuisa izvi zvose pamwe chete, unogona kuwana zvakanakisisa kubhadharwa nekushanda nekubhadhara muhurongwa kwemakore makumi matatu nemashanu, uchiwana kuHarare Social Security Wage Base gore roga roga, uye kumirira kusvika makore makumi manomwe kuti utange maropafadzo ako.
Social Security Vakagadzikana Makomborero
Urongwa hwehutano hwehutano hwehupfumi hunofanirwa kuvhara hurema hwemazuva mazhinji hunotarisirwa kurarama gore rimwe chete kana kupfuura kana kutarisirwa kuunza rufu. Haisi chirongwa chekuremara kwenguva pfupi uye hachikufukidza iwe kana uri kunze kwebasa kwemavhiki mashomanana kana mwedzi pamusana pokurwara kana njodzi.
Kuti uve akakodzera kubatsirwe, unofanirwa kunge wakashanda uye wakabhadhara muhutano uye wakawana mudiki wezvikwereti zvinokodzera zvichienderana nezera rako, uye iwe unofanirwa kusangana neChishanu Security yekuremara.
Minimum Credits Inodiwa Nekuremara
Nhamba yezvikwereti iwe unofanirwa kuve wakakodzerwa nehutano hwekuremara hunoenderana nezera rako. Kana iwe ukaremara pazera remakore makumi maviri nemaviri unofanirwa kuva nezvikwereti zvitanhatu zvakagadzirwa mumakore matatu asati apera, uye kana iwe ukaremara pazera remakore makumi mashanu unofanira kunge uine zvikwereti zvinokwana makumi matatu, uye makumi maviri kubva kwavari akawana gumi makore asati apera. Isocial Security website inopa tafura inokuratidza iwe matanho mangani emakwereti aunoda panguva imwe neimwe.
Tsanangudzo yekuremara
Usati wagona kubatsirwa kwekuremara, unofanirwa kusangana neChishanu Security yekuremara. The Social Security Administration inopa ruzivo rwakakwana rwezvakaipa uye inotsanangura kuti vanoongorora sei kana kuora mwoyo kunosangana nemirairo yekuremara kwenguva refu. Nenzira yakawanda, kutadza kwako kunofanira kukudzivirira kuita basa rawakaita usati wakura, uye inofanira kukudzivirira kuti uchinje kune rumwe rudzi rwebasa.
Kuchengetedzwa Kwemagariro evanhu Kusununguka Mafaro
Kuti vapukunyuka vako vave vakakodzera kubatsirwa paunofa, sekune mamwe mhando dzinobatsira, unofanira kunge wakashanda uye ukabhadhara muSocial Security system.
Nhamba yezvikwereti zvinotarisirwa zvinoenderana nezera rako pakufa. Murairo unokosha unobvumira vanopona vashandi vaduku kuti vave vakakodzera kubatsirwe kana mushandi aiva nekodzero dzitanhatu dzebasa mumakore matatu asati afa.
Kune miviri miviri mikuru yehupenyu hwehupfumi hwehupfumi hunobatsira:
- Zvikwereti zvakabhadharwa kune wawakaroorana naye mukutora basa
- Zvipo zvakabhadharwa kana uine vana vaduku kana vamwe vanovimba navo vakadai semwana akaremara akaremara kana mubereki anovimba
1. Kubvisa Mukana Wokupukunyuka Mubatsiri
Kana iwe newawakaroorana naye muri vaviri muri kutotanga kubhadhara mari yekusunungurwa, pamunenge makafa, mumwe wako (kana akaroora mwedzi mipfumbamwe) acharamba achigamuchira kana huru yako yekubatsira kana yega. Kune mumwe wawakaroorana naye asina kushanda, mupona uyu anobatsira zvinokosha. Kuti ave nechokwadi chokuti mumwe mudzimai anogamuchira anonyanya kupona anenge achibatsirwa zvinowanzova zvine musoro kuti munhu akakwirira-kuwana mari anonoke kutanga kwebatsiro ravo kusvikira ava nemakore makumi manomwe.
Kana usati watanga mararamiro ako, mitemo yekuwanda kwemudzimai wako angagamuchira inowedzera zvakaoma, asi kazhinji, kana wakagamuchira zvikwereti zvakakwana kuti uwane rubatsiro rwekubvisa mari, ipapo mudzimai anenge achiri mupenyu angave akakodzera kune akapona anobatsirwa izvo zvavaigona kutanga kana vava nemakore makumi matanhatu.
Kana iwe uine imba yekutanga isati yasvika makore gumi murefu, mumwe wekuroorana naye akakodzerawo kune anoponeswa zvinobatsira uye paanenge achipa nekuda kwebatsiro iyi haibatsiri zvikomborero izvo murume iyeye iye zvino kana mumwe munhu anotarisira angagamuchira.
Pane mamiriro mashomanana apo mudzimai anoramba aripo anogona kuwana rubatsiro asati asvika makore 60; somuenzaniso, mudzimai akaremara anogona kukodzera kuponeswa zvinobatsira kana ava nemakore makumi mashanu, uye mudzimai anoramba aripo wezera ripi neripi ari kutarisira mwana wako ari pasi pemakore gumi nematanhatu anogona kukodzera.
2. Kupona Kunobatsira kweVavengi
Kuparara kunobhadhara kunogona kubhadharwa kune zvitatu zvevanhu vanovimba; vana vaduku (pasi pezera remakore gumi nemasere, kana kusvika kune makore makumi maviri nemashanu kana vakapinda chikoro chesekondari kana chikoro chesekondari), mwana akaremara asati asvika makore makumi maviri nemaviri, kana mubereki anovimba nemakore 62 kana kupfuura.
Kana iwe kana mumwe munhu waunofunga achifunga kuti unogona kukwanisa kubatsirwa nekuchengetedzwa kwehupfumi hwevanhu, zvakanakisisa kuonana neSocial Security Administration iri paIndaneti kana nekushanyira hofisi yeHurumende yeHurumende.
Pros uye dambudziko rekuchengetedzwa kwevanhu munharaunda .