Sezvo kune marudzi akasiyana ehupfumi hwekuchengetedzwa kwehupfumi iwe unogona kukodzera, kushandiswa kusinganzwisisiki, dzimwe nguva kunonzi "kuisa mamiriro ezvinhu" wekushanda kwako, kunoudza hofisi yeSocial Security kuti iwe hausi panguva imwe chete uchishandisa zvikomborero zvose zvaunokodzera .
Pane kudaro, iwe uri kudzivirira kuwanda kwechikumbiro chako kune imwe chete yorudzi rwekubatsira. Muzviitiko zvizhinji, izvi zvinokubvumira kuti mushure mekunge ushandise rumwe rudzi rwekubatsira. Kuti unzwisise kuti sei iwe ungashandisa mutemo uyu unofadza funga zvimwe zvemarudzi eZvibatsiro zveHindu Security iwe unogona kukodzera:
- Bhuku rinobatsirika kubva pamari yako yekuwana mazita anonzi Retirement Insurance Benefit (RIB)
- Kubatsirwa kunobva kune wawakaroorana naye kana kuti yekare yepayinini yekuwana mari inonzi inoshuwarenzi yemubatsiri (SIB)
- Chimwe chibharo chinobva kune mumwe mukadzi akafa kana kuti akafa akawanikwa muhomwe yemuoriro anonzi inonzi Widow / Widower's Insurance Benefit (WIB)
- Kubatsirwa kana iwe wakaremara uchitaura sekuremara kwehutano inshumo (DIB)
Ungashandisa sei mitemo iyi kuti uwedzere kubatsirwa kwako?
Kana iwe wakazvarwa musi waJanuary 1, 1954, ikozvino wakaroorana, kana wakarambana uye wakakodzera kubatsirwa kune wekare wekodha rekodha , kana uchingosvika makore ose ekurega basa (uchifunga kuti usati wareva zvikomborero zvako) unogona kushandisa kushanda kusingabvumirwi kutora murume nomudzimai kubatsirwa , asi uchirega kubatsirwa kwako kuchiri kukura.
Iwe unogona kushandura kune iwe pachako purofiti yepamusoro apo iwe unosvika makore makumi manomwe.
Kana iwe wakaberekwa kana musi waJanuary 2, 1954, kushandiswa kusingagumi kusingashandiswi nekuda kwekuda kuwanana kana kuroorana-asi kune chirikadzi uye chirikadzi dzinogona kuramba dzichishandisa kushandiswa kusingabvumirwi chero ipi zvayo yezera.
MuHurumende Security muIndaneti Zvirongwa zveKushandisa Manual System (POMS), rutivi rwavo rwechikamu cheKushandisa rinoti:
"Murevereri angasarudza kugadzirisa kana kudzivirira kukwana kwechikumbiro kuti asarudze kirasi yezvikomborero iye / angave akakodzera pane imwe kana kupfuura SSNs chero chikonzero chero chipi zvacho (kunze kwekuti kunyoreswa kunyoreswa kunoshanda). Chikonzero chacho chingava chokugamuchira zvikwereti zvepamusoro zvepamusoro kana kuti kuwedzera huwandu hwezvikomborero pane imwe nguva, kusanganisira kukanganisa kunonoka kubhadhara mari (DRCs). "
Pano pane mashomanana mapiji makuru ekutaurira pamusoro pemitemo inoshandiswa yekushanda:
- Mudzimai anofanira kunge ari muzera rakakwana rekurega basa uye akaberekerwa kana kuti asati apfuura 1/1/1954 kuti aise chirevo chekushanda chekuti murume nemudzimai vabatsirwe chete - uye havafaniri kunge vakatotanga mazano avo.
- Chirikadzi / murikadzi, kana kuti akapukunyuka kubva kune wakafa wakaimbova naye, angaisa chibvumirano chekuregererwa kunyange kana vasati vasvika makore ose ekurega basa uye pasinei kana vakaberekerwa.
- Mumwe muchengeti ari kutarisira mwana (pasi pemakore 16 kana mwana akaremara akaremara) uyo ane kodzero yekubatsirwa kwevana angave ane sarudzo yekudzivirira kushanda kune zvinodiwa nemudzimai chete kana vasati vasvika pazera ravo rose rekurega basa.
Zvibvumirano Zvichemo uye Vakaroorana Zvipo
Nezve nhamba yeiyo imwe yepamusoro pamusoro pePOMS inoti (GN 00204.020D.1):
"Kutaura zvazviri, mumiriri wemudzimai ari kana kuti akapfuura Full Retirement Age (FRA) ane kodzero yekudzivisa kushanda kusabvisa RIB. Zvisinei, nguva dzose tora RIB kushanda mune zvishoma zvingabatsirwe mamiriro ezvinhu apo mudzimai wako aine inshuwarheni yeRIB sezvo "kufungidzirwa kwekutsvaga" inoshandiswa. "
Kune ani zvake anoisa futi asati asvika makore ose ekurega basa, mutemo pamusoro apa unoramba sezvazviri. A "kuderedzwa kunobatsira mamiriro ezvinhu" zvinoreva kuti uri kuisa mafirimu usati wasvika panguva yakakwana yekurega basa. Kana iwe ukaisa pamberi pako kuti uwane nguva yakazara yekurega basa, kana wako wako atozvitumira kubatsiro (mumatambudziko ewaimbova wawakaroorana naye anofanira kunge ava nemakore makumi matanhatu, asi haafaniri kuisa zvakare), iwe unonzi Iva nechisimbiso chekukaroorana nemudzimai panguva imwechete iwe iwe unofambisa iwe pachako kubhadhara mari. Kuzadza usati wanyatsozadzwa nemakore ekurega basa kunokudzivisa kushandisa kushandisa mazano angangokubvumira kuti uzoshandura pakati pekubatsira.
Kune avo vakaberekerwa kana kuti mushure mekunge 1/2/1954, apo iwe unopa furo iwe waunofunga iko zvino unonzi iwe uri kuisa kune zvese zvaunokodzera. Iwe haungakwanisi kuvharira kukanda kwekushandira kwako kune imwe chete yorudzi rwekubatsira kunze kwekuti iwe uri chirikadzi kana murikadzi. Vaya vakaberekerwa kana kuti vasati vaitwa 1/1/1954, zvisinei, vanogona kuisa kushandiswa kusingagumi.
Cherechedza: Kana wawakaroorana naye asina kutora zvikomborero, iwe haufaniri kuonekwa uchikumbira kubatsirana. Pave paya pavanenge vapa fungiro yavo pachavo mitemo inofanirwa kuisa iyo ichapinza mukati, uye kana murume nomudzimai wako vachibatsirwa vanozoita kuti vawedzere kukubatsirai mwedzi mumwe nomumwe mari inowedzera ichabhadharwa kwauri.
Zvibvumirano Zvikumbiro uye Chirikadzi / Mufaro Mhuri
Nezvechipiri nhamba mbiri pamusoro apa, POMS inoti (chikamu GN 00204.020E.4.a):
"Chirikadzi (er) kana murume akarambwa nomurume akarambana angada kuisa kunze kweRIB shoma kubva pachiyero chekushandiswa uye kushora kuisa pasi kune RIB isina kudzidza nekuda kwekuwedzera kwemari inowanikwa mushure meFR nekuda kweRDC," uye kuti uite saka hofisi yeSocial Security inoda kutora chirevo chakadai sekuti "Handidi kuti chikumbiro ichi chionekwe sechikumbiro chezvinhu zvishoma zvakanyorwa pachedu."
Izvi zvinoreva kana mumwe wako kana wawakaroorana naye akafa, uye iwe unokodzera kuti chirikadzi / chirikadzi inobatsirwe pamari yekuwana mari, iwe une nzira yakakura yekudzivirira ukama hwekushanda kwako, kunyange iwe usati wasvika panguva yakakwana yekurega basa uye pasinei nezuva rawakaberekerwa.
Iwe unogona kuita izvi kuti utaure chirikadzi inobatsirwe kwemakore anoverengeka uchibvumira iwe pachako kubatsirwa kuti urambe uchiunganidza kuregererwa kubhadhara mari yechikoro. Pazera remakore makumi manomwe iwe unogona kushandura kuti utaure kuti iwe pachako, iye zvino mukuru, anobatsira mari.
Maitiro Anoregererwa Kana Kuchengeta Mwana
Nezvezvinhu zvitatu zviri pamusoro POMS inoti (GN 00204.020F.2.a):
"Murengeti ari pakati pemakore makumi matanhatu nematanhatu neFRA, ane hanya naye mwana (pasi pemakore 16 kana mwana akaremara akaremara) weNH (nhamba yeimba) ane kodzero yekubatsirwa kwevana, uye ari kutumira mudzimai zvikomborero hazvirevi kuti zvakatumira kuderedza RIB. Anokwanisa kunge asina kubvisa RIB kubva pamwero wekushandira kwezvakaroorana naye nekuderera kwakajeka. "
Ndinotenda mune ramangwana urongwa huri pamusoro apa huchashanda kune avo vanozvarwa musi wa12/1954. Mukuwedzera pane chinhu chechitatu chiri pamusoro apa panewo zvakakosha paunenge uchikwanisa kubhadhara inshurensi yekubatsira iyo inogona kukubvumira kuti iwe uwane mari yekuroorana, asi usati uchinge uzvitsvaga kuti iwe pachako uwane rubatsiro.
Izvo zvisingasviki pakukura kwechinyorwa ichi kuenda mune tsanangudzo pamusoro pokuremara kwakadaro kana mazano ekubatsira vana, uye munyori uyu haasati aongorora zvizere kushandiswa kwemitemo mitsva yemamiriro ezvinhu anosanganisira kubatsirwa kwevana kana kubatsirwa kwekuremara.
Nemhaka yokuti mitemo yakaoma, vamwe vakaroorana vanotsvaka mazano emugweta kuti avakurudzire pavanonyanya kuda mazano. Mumwe muverengi akanditumira maeiri nokuti Social Security yakavataurira kuti vakanga vasingadi kushandisa kushandiswa kusingagumi . Ndine mhinduro yakakwana kubva kune a Social Security law lawyer.
Kana iwe wakaroorana, kana chirikadzi / murikadzi, a Social Security calculator (online software) inogona kukupa iwe rudzi rwekuongorora iwe unoda kuti uwane nzira yakanakisisa yekuchengetedzwa kwehupfumi hwemamiriro ako ezvinhu.
Kana iwe uine vatsigiri, vakawanda vakaroorana vangave vakakodzera kubatsirikana, kana kuti kune zvimwe zvakaoma, mabasa emugweta angave akakodzera.