Heino nzira iyo inoshanda.
Iko "Unganidza Iye zvino uye gare gare" Social Security Strategy
Kana wakaroorwa, "kuunganidza ikozvino uye gare gare" hurongwa hunoita kuti iwe uwane mari yekuroorana kana uchinge uchinge wakanonoka kubhadhara mari yekubvisa mari yako pachako mari yekubatsira. Kazhinji, mutori wepamusoro wevamwe vaviri vaizofunga izvi kuitira kuti vagone kuwana zvakanakisisa pazera remakore makumi manomwe. Izvozvo zvakakwirira makore makumi manomwe dzinobatsira zvishoma zvino inopfigirwa semupona anobatsirwa.
Ndiani Anogona Kuda Iye Zvino uye Gare gare
Iwe unofanirwa kuisa shanduro isina kudzivirira kushandisa zano iri. Zvinosuruvarisa nekuda kwekushandura mumitemo yeSocial Security iyo yakasayirwa mutemo munaNovember 2015, ndivo chete avo vanosvika makore makumi matanhatu nematanhatu kana kuti pamberi paJanuary 1, 2016 - zvinoreva kuti iwe wakaberekwa musi waJanuary 1, 1954, unogona kuisa kunongedza kushandiswa kwevakaroorana. (Chirikadzi uye chirikadzi, zvisinei, vanogona kuramba vachishandisa kushandiswa kusingagumi.)
Mukuwedzera, unofanira kunge wakazadza makore ose ekurega basa (FRA) uye wawakaroorana naye anofanira kunge akashandisa kubatsirwa.
Kana mumwe wako akange asvika paavo pachake, kusvika musi waApril 30, 2016 vaive nechisarudzo chekuisa uye kusimbisa zvigaro , izvo zvaizokubvumira kuti uwane mari yekuroorana iye zvino.
Kubva musi weApril 30, 2016 wakaguma wapfuura, kana mumwe wako akangoderedza zvaanobatsira, zvinogona kumisawo chero zvikomborero zvinoenderana nekunyoresa kwavo - izvo zvinoreva kuti iwe haugone kutora kubatsirana kana kuroorwa kwacho kuchimiswa.
Sei Izvo Zvisingaiti Kushanda Kana Usina Kuwana Chirwere Chizere Chokurarama
Kana iwe ukanyorera Social Security mari yako isati yakwana yekusununguka, iwe unowirirana kukodzera uye unopiwa hukuru hwebatsiro zvichibva pakubhadharira kwako pachako kana kuti 50% yemudzimai wako wezera rekugara mubhadharo rakakwana (ipapo unowedzera kuderedzwa kana iwe uri kuda yako pachako yekusunungurwa kwemakore).
Kana iwe ukamirira kusvikira nguva yakazara yekurega basa, uye iwe wakaberekwa musi wa1/1954 kana kuti usati wawana, une zvimwe zvasarudzo. Iwe unogona kubvunza zvinyorwa uye unosarudza kutanga kuunganidza kungova nemudzimai kubatsirwa zvichienderana nemari yekuwana mari yako (kana wawakaroorana naye kana iwe wakaroorana kwemakore gumi). Nzvimbo yako yekuchengetedzwa kwehupfumi icharamba ichiwedzera kukurumidza kubhadhara mari yekusununguka kusvikira uine makore makumi manomwe. Paunosvika makore makumi manomwe iwe unoshanduka kubva kutora murume nemudzimai kubatsirwa kubata iwe pachako kubatsirwa.
Muenzaniso: Kara, ane makore 66, achiri kushanda. Murume wake Bob ari kuunganidza Social Security retirement benefits. Kara akaberekwa musi waJanuary 1, 1954 kana kuti asati asvika, saka anonyora kushanda kwakakwana kweSocial Security spousal zvinyorwa zvinoenderana nebhuku raBob rekuwana. Kara anoenderera mberi achishanda kusvikira ava nemakore makumi manomwe. Anounganidza kubatsirwa kwaanoita mudzimai wake paanenge achishanda kwemakore mana anotevera; pazera remakore makumi manomwe iye anobvisa uye anozvishandura iye oga, zvino zvakakura zvikuru, Social Security rubatsiro.
Kune avo vakaberekerwa kana musi waJanuary 2, 1954, apo iwe unobhadhara zvikwereti iwe uchange uchitumira mafungiro ezvimwe zvikomborero zvaunokodzera uye uchapiwa hupamhi hwewe pachako kana kuti iwe unobatsirana. Kana wako wako asina kutora, haufaniri kukodzera kuroorwa, saka iwe uchapiwa iwe pachako.
Kana wawakaroorana naye akashandisa, kana iwe uine chikwereti chimwe chimwe chikonzero nekuti muwanano unobatsira mukuru kune iwe pachako, izvi zvinowedzera zvichapiwa kwauri. Pane kuedza kushandisa zvose izvi zvingasarudzwa iwe pachako, funga kushandisa Social Security calculator kuti akuudze zvinoreve kuti nzira inogona kukubatsira zvakadini iwe.