Purogiramu yepensheni inopa mvumo yekuwana mari yakagadziriswa, kunyange munyaya ino izwi rokuti "rakavimbiswa" rinoshandiswa zvisina kufanira; kune zviitiko zvakawanda apo zvirongwa zvehupfumi zvakazviwana ivo pachavo mune zvemari uye vakamanikidzwa kuderedza mari inobhadharwa kune vashandi varipo. Saka iwe unoziva sei kana penheji yako yakavimbiswa?
The Safety of Your Pension
Mashoko akanaka; kune rumwe rudzi rwe inshuwarheni panzvimbo - sangano rinonzi Pension Benefit Guarantee Corporation (PBGC) - yakagadzirirwa kuchengetedza mari yako yepensheni.
Kana kambani yako ikatora muPBGC, zvinenge zvichida kuti chikamu chepenjeni yako inobhadhara inesi.
Ndezvipi Zvakawanda zvePenheni Yenyu Yakachengeteka
Nhamba yemari yekuwana mwedzi mumwe nomumwe iyo inofanirwa nePBGC ine kapu. Muna 2016, kune mubhadhari wepenjeni wemakore 65, ane kambani yaiva chikamu chePBGC, uye ndiani ari kutora hupenyu huripo huripo 50% huchabhadharwa kune wakapona, muwandu wekubhadhara inobhadhara $ 4,510 pamwedzi.
Nokuda kwehupenyu humwe chete huripo, huwandu huwandu hunobatsira hwekuchengetedzwa kwepamberi pazera remakore makumi matanhatu nemashanu ndeye $ 5,011. Kana penheji yako yepensheni yakakura kudarika hovha, mari yakawandisa haisi inshuwarisi. Aya mabhizimisi anoshanda kune izvo zvinonzi zvirongwa zvevashandi. Nekuchengetwa kwezvikwereti zvinowanikwa kune mapurogiramu akawanda-evashandi ona PBGC's Multi-Employer Plan inodipi peji.
Zvinokosha: Kana usati wava nemakore makumi matanhatu nemashanu, mari yako yepensheni yakakwana haigoni kuiswa inshuwarti kunyange kana iri pasi pevha. Iko inotenderwa kusungirwa mari yepensheni inoderedzwa gore negore iri pasi pemakore 65 iwe uri, uye yakawedzerwa nechimwe chinhu chegore rimwe nerimwe rinopfuura 65 iwe uri, pamwe chete nemari yakachengetwa yakawanikwa kune avo vane makore 75 kana kupfuura.
Iwe unogona kuona mari chaiyo yebhadharo yemwedzi wega inotsigirwa zvichienderana nezera rako nekushanyira Tables PBGC Maximum Monthly Guaranteed.
Haasi Mahedheni Ose Anotsigirwa
Pamwe purogiramu yepenjeni inopiwa nemakambani makuru anowanzobatana muPGBC, zvisinei, zvirongwa zvepenjeni zvinopiwa nehurumende nehurumende dzeguta hazviiti.
Iwe unogona kuwana zvakawanda pamusoro pezvirongwa zvepensheni uchishandisa Is My Plan Insured - Single Employer kana Is My Plan Insured - Multi-Employer FAQ zvido zvePBGC website.
Iwe unokurudzirwa kutaura nemubatanidzwa wako, urongwa wehutungamiri, waunoshandira, kana chirongwa chepenjeni chinotsigira zvakananga kuona kuti ndeupi inishuwarenzi yakawanda inoshanda kumapenjeni ako. Iwe unogona kuvabvunza kana penheji yako inopihwa nePBGC.
Kurambana Kunobata Sei Pension Yenyu
Pasinei nekurambana, kuchengetedza kwepenhenesi ichiri kuchengetedzwa nehurumende yekuedza neHarare Employee Retirement Income Security Act muna 1974 (ERISA) uye Pension Protection Act muna 2006. Zvisinei, danda rako mupenjeni richagadziridzwa kubudirira mutongi wemhuri aiva. Kana iwe uine kodzero yekuwana mari yepensheni mushure mekurambana kune hutano hwakanaka hwekugadzirisa hukama hwepamhuri (QDRO) inofanira kuve yakagadzirwa (iyo inyandiko yepamutemo) uye inopiwa kune mutungamiri wezvirongwa zvepenjeni.
IQDRO ndiyo gwaro rinosungira zvakarongwa muurongwa wehurumende kuti abhadhara zvikomborero kune waichimbova mudzimai. Pasina QDRO purogiramu yepensheni haigoni kuita kuti kubhadhara - pasinei nokuti chirevo chekurambana chinotaura chii.