Yako Yakazara Mushandirapamwe (FRA) Maererano neSocial Security

Dzidza Zvaunofanirwa neFrA yako Kumutoro Wako uye Kuwana Kwazvo

Kana zvasvika pakusarura, chii chinowanzoitika ? Kana iwe uchinzwa mutsara wechizvarwa chekurega basa , unogona kufunga kuti inomiririra gore rinotora basa rekurega basa kune vashandi veAmerica kana nguva iyo vanhu vazhinji vanorega basa. Kunyange zvazvo kuri kufungidzira kwakanaka, pakuita munhu wepanguva yekusununguka kwemakore ndeyeiyo inotsanangurwa nhamba isinganyanyi kuita ne "yekare" uye zvakawanda zvokuita nemunhu uyu akakodzera kubhadhara mari yekubvisa mari .

Nhasi, chizvarwa chekugara muhurumende chinowanzozivikanwa sezera rose rekurega basa .

Tsanangudzo yeHate Retirement Retirement (FRA)

Zvose zvinowanzoita basa rekurega basa (zvinowanzozivikanwa nevanoshandisa zvemari sezera rose rekurega basa kana FRA) ndiyo nguva yaunotanga iwe kuva nekodzero yekuzadza zvizere kana zvisingabatsiri zvekurega mari kuburikidza neHuman Security. Yako FRA inogona kunge iine zvishoma zvokuita nayo paunosarudza kubhadhara zvizere, asi inofanira kunge iri chikamu chekuita basa rako rekurega basa sezvo ichava nhamba inokosha mukugadzirisa chikamu chikuru chekubvisa mari yako.

Kunyatsoteerera Kwemakore uye Nzvimbo dzekuchengetedzwa kwehupfumi

IUnited States Congress uye Social Security Administration inotsanangura nguva yako yekurega basa (FRA) inobva mugore rawakaberekerwa. Nguva yako yakazara kana yakasununguka yekurega basa inonyanya kukosha yekugadzirisa basa rekurega basa nokuti mwedzi weUse Social Security rekubhadhara mari inobatsira inobva pane zvikamu zviviri chete:

1. Zvaunowana muzvakaitika kare
2. Nguva iyo iwe unotora mari yako yekurega kubatsirwa kana ichienzaniswa nezera rako rekurega basa (FRA)

Kana zvasvika pakuronga basa rekurega basa, nhamba yechipiri inonyanya kukosha sezvo iri chikamu chimwe chekubvisa mari yako yaunotora mari iyo iwe uchange uine utongi hwakanyanya uye inogona kuva nemigumisiro yakakura pakuwanda kwebatsiro raunowana.

Kune avo vanofanirwa neSocial Security retirement benefits, zvinoreva avo vashandi vakagamuchira zvishoma zvishoma makumi masere ekuberekwa kwemakore mumakore avo ekushanda uye avo vakaroorana vashandi, zvikwereti zvekurega mari zvinowanikwa zviripo nekusvika makore makumi matanhatu . Asi kuisa mubhadharo wekubvisa mari mukati megore ripi neripi pakati pezera remakore makumi matanhatu nemashanu uye FRA yako inoonekwa se "kutanga". Vaya vanosarudza kutanga basa rekushandira basa vanogonawo kushandiswa kuderedza mari yekubhadhara mari (pamwe ne30%!) Mukutsinhanisa kutanga kutora kare. Nepo kune mamwe mamiriro ezvinhu ayo kutora rubatsiro pakutanga kungangove sarudzo yakanakisisa (yakadaro inogona kunge iri nyaya yevakabhadhara nehosha isingagumi kana kuti zvishoma zvinotarisirwa muupenyu), kazhinji pane zvisingakoshi kumirira kusvika paFA yako kana kwenguva refu. Asi kuti uite chisarudzo chakanaka pamusoro pekutanga kutora Social Security, iwe uchada kuziva nguva yako yekurega basa.

Kusarudza Kugara Kwako Zvakakwana Mubasa

Iwe usati watanga kuronga hutano hwako hweSocial Security, iwe uchada kuziva nguva yako yekurega basa. Heino urongwa hwemakore ekuberekwa anoteverwa nezera iroro rinokodzera rinopedza basa rekusunungurwa sezvinotsanangurwa neSocial Security Administration:

Zvose Zvakabhadharwa Kubhadhara (FRA) nekuzvarwa Gore
Gore rokuberekwa	Full Retirement Age
1937 kana yapfuura	65
1938	65 uye mwedzi miviri
1939	65 nemwedzi mina
1940	65 nemwedzi 6
1941	65 nemwedzi 8
1942	65 nemwedzi gumi
1943-1954	66
1955	66 uye mwedzi miviri
1956	66 uye mwedzi mina
1957	66 uye mwedzi mitanhatu
1958	66 uye 8 mwedzi
1959	66 uye mwedzi gumi
1960 kana kuti gare gare	67