Kuparara Kwekuchinja Kunouya kuZviridzo Zvokuchengetedza muna 2017
Kunyange zvazvo ramangwana rekupedzisira regurogiramu rinoramba risina kujeka, kushandurwa kwakananga kwepurogiramu yegore ra2017 kwakabudiswa neSocial Security Administration ("SSA") munaOctober.
Vanhu vezera rose, kubva kune mabhokoni ose ekuwana mari, uye nemhando dzakasiyana-siyana dzekugadzirisa basa rekurega basa vanofanira kuziva nezveshanduko, sezvo zvichitibaya isu tose.
Heino kuparara kwekuchinja kune Social Security iyo inotanga kushanda gore rino:
1. Chizere chezera rekusununguka richawedzera: Uyu hausi kushamisika. Izvi ndizvo zvave zvichiitika kwemakumi matatu emakore sezvo Congress ichipa mutemo kushandura nguva yakazara yekurega basa - iyo nguva yaunokodzera nayo 100 muzana yekubhadhara kwako kwegore negore. Vatorwa vakaberekerwa muna 1955, zvisinei, vangashamiswa muna 2017 kana vakasarudza kuisa mari yepakutanga pazera remakore makumi matanhatu. Sei? Kutanga muna 2017, gore rose rekusununguka richawedzera nemwedzi miviri kune avo vakaberekerwa muna 1955, kusvika kune makore 66 nemwedzi miviri. Kuwedzera kwemwedzi miviri kuchaenderera mberi negore rimwe nerimwe rinotevera, zvinoreva kuti vakasiya mari vanoisa zvekutanga zveHindu Security zvingakwanisa kuona kuderedzwa kukuru mukubhadhara kwavo kwemwedzi kune vakatarisana navo.
Iyo flip iyo inobatsira iyo iyo yakakwirira-kumagumo-iyo inomira kuwedzera nezera remakore makumi manomwe - haichazove yakasununguka pa 132 muzana yezera rose rekusununguka rubatsiro. Pane kudaro, 2017 inotanga hovha itsva pane imwe nzvimbo inenge 124 muzana uye 132 muzana. Ichi chinyorwa chichaenderera mberi kwemakore mashanu anotevera.
2. Kuwedzera kwekubatsira kwemwedzi kuchawedzera: Kunyange zvazvo kubhadhara kwako kwemwedzi kunobva pane iwe pachako iwe pachako kuwanikwa , pane chikwata chekuti Social Security yakadini inogona kugamuchira mwedzi mumwe nomumwe.
Kwegore ra2016, ruzivo rwakanyanya rwaive $ 2 639. Muna 2017, mari iyi ichawedzera kusvika pa $ 2 687 - bump ye $ 48 pamwedzi. Uku kuwedzera kwekuzvininipisa kunogona kusingaoneki kuchikosha, asi kunofanana nekuwedzera kwegore re $ 576. Kune vashandirwi vanovimba neSocial Security semugove wavo mukuru wemari, mari iyi inogadziriswa kugadziriswa kusvika kuderera kwehuwandu hwemari yakaitika muna 2016.
3. Vanhu vari kuwana (vaduku) kusimudzira: Vakawanda vakwegura vanovhenganisa gore rimwe nerimwe iyo inopera pasina mari yekugadzirisa mararamiro ("COLA") kune zvavanowana. Nhau pamusoro peCOLA ye 2017 ibhandi rakasanganiswa. Mashoko akanaka ndeokuti kuchave nekugadziriswa kweCOLA muna 2017; iyo yakaipa nhau ndeyokuti kuwedzera kuduku kudarika. Maererano neSSA's press release, COLA ichakwira ne 0.3%. Kubvira kubva kuongorori inopiwa neSSA, mushandi wepakati pairi mubhadharo anowana $ 1,350.64 pamwedzi, achienzanisa nekuwedzera kwe $ 4.05 pamwedzi wega wega zvichienderana ne 0.3% COLA . Asi, zvishoma zvishoma zvinoverenga, zvakarurama?
4. Iwe unofanirwa kushanda zvakaoma zvishoma kuti ubatsire: Izvi zvinorevei? Vanhu veAmerica vanoda kushanda mukati mehupenyu hwavo kuti vatsigire Social Security zvikwereti gare gare muupenyu. Nhamba iyo inoshanda yevashandi inotora makore makumi mana ehupenyu. Izvo zvikwereti zvinoverengwa zvichienderana nemari yatinowana gore negore, uye isu tinokodzera kuwana zvikwereti zvina gore rega rega.
Muna 2016, kuitira kuti awane mari yakawanda yebasa rekuchengetedzwa kwehupfumi hwevanhu, mushandi anofanira kubhadhara mari inenge $ 5,040 (iyo inoshandurwa ku $ 1,260 pamushandi wechikwereti). Iyi chikumbaridzo chezvikwereti zvichawedzera kusvika ku $ 5 200 kubva muna 2017, zvinoreva kuti vanhu vachazofanira kuwana $ 160 zvegore kuitira kuchengetedza mabasa mana emabasa.
5. Vashandi vepakutanga vachabva vaona kuwedzera kwekuvhara chikumbaridzo: Zvichida kwete chokwadi chinonyanya kuzivikanwa ndeyekuti vashandirwi vanobvisa mari yepamberi yekubvisa mari inoshandiswa kuderedzwa kwebatsiro kana vakasarudza kuramba vachishanda. Somuenzaniso, muna 2016, vashandi vekutora avo vakatora mari yekutanga vaizoita $ 1 muzvikwereti zvakachengetwa mari imwe neimwe ye $ 2 mumari yakagadzirirwa kupfuura $ 15,720. Muna 2017, chikumbaridzo ichi chichakwirira. Mafambisi ekutanga anogona kuwana kusvika ku $ 16,920, kana imwe $ 100 pamwedzi musati matanho chero ipi zvayo inotsigira kutanga.
6. Vanhu vakapfuma vachabhadhara zvakanyanya purogiramu: Vose vakuru vanoita basa vanopa michero kune Social Social Fund kuburikidza nemitero yemitero. Kazhinji, mutero webhasiro wakanga uri 12,4 muzana pamusana pekuwana mari pakati pezvikwereti zve $ 1 kusvika ku $ 118,500. Pamusoro pemari inowanikwa pamusoro pe $ 118,500, pakanga pasina chekuchengetedzwa kweSocial Security. Pasi pemuumbi uyu, vanenge 90 kubva muzana veAmerica vaibhadhara mutero pane zvose zvavakawana. Vakasara gumi kubva muzana vakanga vachibhadhara chikamu chiduku zvikuru chemari yavo yavakagamuchira nekuti vakaita mari inopfuura $ 118,500 muganhu. Nokuti 2017, tichaona shanduko iyi yepamusoro-kumusoro. Mari yepamusoro yekukwereta inowedzera kusvika $ 127,200, zvichireva kuti vashandi vakawanda vakapfuma vachabhadhara zvakawanda kune Social Security pane muna 2016.
7. Chiremera chekuremara chinowedzera: Social Security benefits inofananidzwa nekutora basa, asi inowanikawo kune avo vakaremara uye vasingakwanisi kushanda. Muna 2016, vanhu vasina mapofu vakaremara vaifanira kuwana $ 1,130 kana kudarika pamwedzi kuti vafunge nezvekuremara mari kubva kuSSA. Nhamba yezvifufu yaiva $ 1,820 pamwedzi. Kubva muna 2017, zviputi izvi zviri kuwana vanhu vasina simba-vasina mapofu vanhu vakaremara vanogona kuwana mari inopfuura $ 40 pamwedzi, kana $ 1,170, uye vachiri kukodzera kubatsirwa kubva kuSSA. Munguva iyi, vanhu vari mapofu vachaona kuwedzera kwemadhora 130 pamwedzi, vachiunza chikumbaridzo chavo kusvika $ 1,950.