Pane zvinhu zvishanu zvinokosha zvaunofanira kuziva pamusoro pehupfumi hweHindu Security retirement; zvinhu zvakadai sokushanda kushanda kwezvaunobatsira kana iwe uchizobhadhara mitero pa Social Social benefits, uye kuti kuunganidza zvikwereti zvakangokura kunobata iwe newawakaroorana naye.
01 Zera Rakaita Sei Nehupfumi Hwako Hwevanhu Hwakanaka?
Nguva yekusununguka kwemakore (FRA) yakavakirwa pagore rako uye zuva rekuberekwa - izvo zvinoreva kuti havasi vose vane FA yakafanana. Vechidiki vaduku vane FRA yepamusoro kupfuura avo vatove vachitsvaga Social Security.
Yako FRA inotarisa kuti iwe unokodzera chii chinonzi yako yakazara kubhadhara mari kana kuti inonyanya inshuwalisi mari . Kana iwe uchitanga kubatsirika pamberi peFrA yako, iwe uchafanirwa kutora rubatsiro rwakaderera, uye kana uchitanga kubatsirwa mushure meFRA yako, iwe unobvumirwa kunonoka kubhadhara mari yechibharo .
Zvakakoshawo kuziva kuti kune FAR yakasiyana yemararamiro ako pane kuti chirikadzi inobatsirwe .
02 Ndeipi Migumisiro yekutsvaga Social Security Early?
Usati waenda kuhofisi yako yeHuman Social Security kuti inoshanda, chengorora zvose zvaunogona. Kutanga Social Security ndeyekuita chisarudzo chisingachinjiki - kana uchitanga kuunganidza Social Security, unogona kungovhara rubatsiro kana iwe uri mukati mebambo 12 mwedzi mushure mokutanga uye panguva iyoyo iwe unofanira kudzorera zvawakagamuchira kusvika ikozvino. Imwe nzira yako yekuisa purogiramu yako apo iwe wapedza makore ako ose ekurega basa iwe unogona kumisa purogiramu (dzimwe nguva inonzi kusununguka kwokuzvidira).
Kuzvitsvaga kubatsirwa kare kune migumisiro; kana iwe wakaroora, iwe unogara uchingopedzisa mupukunyutsi anobatsira kune wawakaroorana naye (kana mubhadharo wako wakakura kupfuura wavo).
Chimwe chigumisiro chekutora Social Security kutanga ndiyo nzira chero ipi zvayo yaunowana mari yaunogona kuchinja maitiro ako. Tinovhara izvozvo mune chiito chinotevera.
03 Mitsara Inopera Inobata Vaya Vanotanga Kugarisana Nenzira Yepamusoro Kare
Kuderedza kunobva pane zvaunowana. Zvaunowana hazvikwanise kuva pamusoro peHurumende kuchengetwa kwemari . Nhau dzakanaka mari yekuwana mari hairevi kutarisa kumiganhu yegore roga roga; iyo chete mari inowanikwa inowanikwa mari inowanikwa nekushanda.
Vamwe vane makore makumi matanhatu nematatu vanotanga zvidzidzo vasingazivi mutemo uyu. Vanoramba vachishanda, kana kudzoka kuzoshanda gore gare gare, uye ipapo whey vanoisa mutero wavo wekudzorera kana mhindu yavo iri pamusoro pemuganhu iwo anowana tsamba inoda kubva ku Social Security kubhadhara mari inodiwa (yakabva pamutemo unoda iwe kuti ubhadhara kusvika ku $ 1 ye $ 2 yega yega yakapiwa muganhu).
Kana ukangosvika pazera rako rekurega basa iwe unogona kuita chero mari uye hapana kuderedza kunoshanda.
04 Hongu, Social Security Benefits Inoteerera Mitero Mukurasikirwa
Kana iwe une mhedzisiro yemari muwedzera kune Social Security, saka iwe unogona kubhadhara mitero pahutano hweHuman Security . Zvimwe zviwanikwa zvemari iyo Social Security inotarisa zvinosanganisira zvinhu zvakadai semaripo, kubasa pabasa, zvido uye zvikamu, uye mari yepenheni .
Pane chirevo chinoshandiswa kusarudza muwandu wezvipo zvichienderana nemitero. Izvi zvinoenderana nehutano hwemhuri uye mari yakawanda yaunayo.
Vakawanda vanoenda kumusha vanoziva nezvekodzero iyi chete mushure mokunge vatanga mapensheni kana kutanga IRA vanoenda kune dzimwe nyika - panguva iyoyo, "mamwewo mari" avo anokwira uye saka vamwe kana vazhinji veHurumende yeHurumende vanotora mvumo. Vanowanzoshamiswa nekuwedzera kwemhosva yavo yemitero.
05 Vakaroorana Kana Vakaroorana? Tarisa pa Spousal Social Security Benefits
*** Chenjerera - Pamusoro pekusarudza ndezvechokwadi. Musi waOctober 28, 2015, mutemo mutsva wakashandura mitemo yeZimbabwe Security kuitira kuti zvimwe zvisarudzo zvinotaurwa pasi zvisazoshanda zvakare. Verenga New Social Security mitemo usati wavandudza chero upi zvake unoti urongwa. ***
Kana mumwe wako akashanda uye akakodzera kuwana zvaanobatsira, asi paavhareji aiva muchengeti wepakati pakati penyu vaviri, zvino zvingave zvichiri kungwara kuti vatsvake kubatsirana kwemakore mashomanana - uye vobva vashandura ivo pachavo anobatsira mari iyo pavanosvika makore makumi manomwe.
Kana iwe wakarambana asi iwe wakaroora kwemakore anopfuura gumi, uye iwe zvino hausati waroora , iwe unogona kunge uchikwanisa kubatsirana nomudzimai wekare (kunyange kana vakafa). Kutora kubatsirwa uku hakugoni kuitika kumubatsiro wako wepakutanga kana kumubatsiri wake iye zvino kana vakaroora zvakare.
Kana iwe wakaroorana, zvakakosha zvikuru kunyatsonzwisisa kuti kubatsirana kwepabonde kuchabatwa sei kana iwe uchitora mararamiro ako Social Security pakutanga. Nokuita kudaro, iwe unogona kuderedza nguva dzose muwandu wevanopona vanobatsirika kune mumwe wako.
Vakaroorana vakawanda kwazvo vanoita kuti Social Security yavo iite chisarudzo pachavo zvichienderana nemumwe uye ichirasikirwa nekusaziva kuti vangadai vakashandisa sei kubatsirana nemudzimai.