Zera rechi 55 rinogona kuva chinhu chinotenderera chekusarudza mari uye nezvehutano. Makore gumi chete kubva kuMagareti akakodzera, vanhu vazhinji vanofunga nezvekuchengetedza basa rekurega basa. Kune vamwe, makore ekuchenjerera kuronga zvinoreva makore makumi mashanu ndeye pavanotanga kushanda.
Kusvika kuma50s yako kunogonawo kureva hutano hwepanyama ndicho chinonyanya kukosha. Muna 2014, muvhareji wezera hwekuremara kweHuman Security Disability Insurance (SSDI) vaigamuchira vaiva 53.7, maererano neSocial Security Administration.
Nemhando idzi dzehutano uye kushandiswa kwezvemari zviripo, zvisarudzo zveutano zvakakosha zvikuru.
Kuwedzerwa, vanhu vari kutova kuziva kuoma kwevatengi vavo kusarudza pamusoro pehutano hwehutano. Kuchinja kunotangira kusati kwasara uye kuburikidza nokurega basa, kusanganisira Medicare kukodzera, inotora matanho pazvinoenderana nekubatsira kubatana. Zvinosuruvarisa, kusagadzikana kwehutano hwehutano hunoramba kuchikura. Asi kune zvigadziriro zviripo kubatsira vanhu nemhuri dzavo kuziva nguva yakareba yekubatsirwa kwezvisarudzo zvakanaka uye kunzwisisa zviri nani zvavanokwanisa.
Kutevera zvinoshungurudza zvitatu izvo zvinowanzove zvakakosha pazera remakore makumi mashanu nepamashanu:
1. Kuzviita kune Medicare
Kubvisa kare kana kushanduka kwebasa kune zvikonzero zvikonzero vanhu vanogona kuva nehanya nekuita kuti ive nemakore makumi matanhatu nemashanu uye kupiwa kweMedare , asi Affordable Care Act yakatanga zvimwe zvingasarudzwa zvekuwana kurapwa kwehutano zvisati zvaitika 65.
Kunyange zvazvo vanhu vanowanzova nemukana wokutenga COBRA apo vanochinja kubva kune wavanoshandira, zvinogona kuva zvakakosha kune zvinangwa zvekuchengetedza kuongorora Health Insurance Marketplace pane. Zvingave zvichigone kuderedza mari yekuchengetedza hutano zvakanyanya kune avo vanofanirwa kuve nekugadziriswa kweMusika kuburikidza nokusarudza shanduro yekuchinjana ivo nemhuri yavo.
2. Utano hwehutano hwemhuri uye hwevamwe
Uku kunetseka kunogona kuve kwakakurumbira kune wekudya kwemhuri, kunyanya kana iye achifunga kubvisa. Boka revashandi rekuchengetwa kwehutano hwehutano rinogona kupa urongwa hwemhuri yose, asi izvi zvichachinja nekurega basa. Somuenzaniso, vanhu vanenge vava nemakore makumi matanhatu nemaviri nemumwe mudiki uye vanovimba neurongwa hwehutano hwavo hunogona kunzwa sokuti vanofanira kuramba vachishanda kuti varambe vachichengetedza hutano hwehutano. Asi izvi zvingasava zvechokwadi. Exchange zvirongwa zvinopawo dzimwe nzira dzisina kuwanikwa munguva yakapfuura.
3. Kushanda uye Social Security
Hakuchina huwandu hunoenderana nehutano hwehutano hweHuman Security. Vamwe vanoramba vachishanda mumakore makumi matanhatu ekupedzisira uye vachigamuchirawo Social Security mazano. Vamwe vanononoka kutora ruzivo rwavo rwehupfumi hwehupfumi kusvika kune huwandu hunobatsira hwemakore ekuberekwa makumi manomwe. Kune dzakawanda nyaya dzinotaura nezve Social Security rekuregererwa kwemari pakati pevashandi vekutanga, vakaroorana uye vafudzi vanobhadhara kuona zvakakosha kune vanobatsirwa. Asi utano hwezvehutano hunogonawo kuwedzera pane iyi kusanganiswa. Semuenzaniso, vanhu vanyoresa Social Security mushure mezera remakore makumi matanhatu nemashanu uye vari kuunza kuAalth Savings Account (HSA) vanofanira kuziva nezvekukwanisa kutengesa mitero.
Vanhu vanogona kubatsirwa kubva muPartikiti zvirongwa zvinosanganisira avo vane zvemabhizimisi avo, vashandi vanozvishanda, mhuri dzine dzimba huru dzinogona kubatsirwa nehutano hwehutano hwemari , pamwe chete nevatambi vasati vasvika vasati vamboenda ndivo Medicare-vakakodzera pazera remakore 65.
Vanenge mamiriyoni gumi vanhu vanoshandisa Market Market iye zvino, asi nhamba yevanhu vanogona kubatsirwa iri pedyo nemamiriyoni 28, maererano neKaiser Family Foundation. Kune mukana unokosha wevanhu vakawanda kuita sarudzo dzakanaka dzinobatsira mhuri dzavo uye mamiriro avo emari, kunyanya sezvavanotarira mberi kumubhedha wavo.
Nyaya iyi inouya kwatiri kurumbidzwa naTrcia Blazier, JD, mutungamiri wehutano wehutano uye wehupfumi weAllsup. Allsup ndeye nyika yose yehutano hweHuman Security, chikwata chekuremara kwevanhu veterans, shanduro yemari uye Medicare mabasa evanhu, vachengeti uye inshuwarisi vatakuri.