Unokuthatha amanyathelo athile ukwenzela ukwandisa iinzuzo zakho zoKhuseleko loLuntu
Ingaba isixa oza kufumana kwiKhuseleko loLuntu xa ususa umhlala phantsi udwebile kwi-granite? Ngaba kukho inani elinqunjelwe ngaphambili nelingaguqukiyo ngokusekelwe kwimali oyifumanayo enamathela kuyo? Akunjalo. Unokusebenzisa izicwangciso ezimbalwa zoKhuseleko loLuntu ukufumana ezininzi kwiinkonzo zakho zoKhuseleko lweNtlalo, kodwa nganye isebenza kuphela kwiimeko ezithile. Uninzi lwezicwangciso zifuna ukuba ufikelele kwiminyaka ethile, ukuba unomhla wokuzalwa owela ngaphambi komhla wokunqunyulwa, okanye ukuba unempilweni enempilo. Nazi ezinye iingcamango zokuphucula ingeniso yakho yeNkcazo yeNhlalakahle.
01 Izinzuzo zoKhuseleko loLuntu kuMntu ongasebenziyo
Izibonelelo zomtshato zilula kakhulu- zivumela ukuba iqabane lakho liqokelele inzuzo ngokusekelwe kwingxelo yakho yokufumana imali kunokuba yedwa. Oku kunokuba luncedo xa engazange asebenze okanye ukuba iinjongo zakhe ezisekelweyo ziya kuba ziphantsi kakhulu. Izibonelelo zomtshato zitholakala kwi-ex-spouses, kwakhona, nje kuphela xa utshatile ubuncinane iminyaka eyi-10. Ukusebenzisa izibonelelo zomtshato kunokunikela ngeniso eyongeziweyo kwiibini zengxoxo enye. Eli qhinga lisebenza ukuba uneminyaka eyaneleyo yengqesho ukuze ufaneleke kwiintlawulo zakho zeNtlalo-ntle, kwaye uzifakele ezo zibonelelo. Ukuba uthe waqhawula umtshato, i-ex yakho inokuthi ifune inzuzo yomtshato kwirekhodi yakho yomsebenzi nangona ungakabonakali ngeenzuzo zakho, kodwa oku kuhambelana nemithetho ethile.
02 Ukuqokelela Inzuzo Yomtshato Okwangoku, Emva koko Qoqa I-Own Benefit Later
Esi sicwangciso sisoloko sibizwa ngokuba "fayile kwaye simise" okanye "ukuqokelela ngoku / ukuqokelela ngakumbi emva koko." Ngokuqhelekileyo kudibaniswa nokusetyenziswa kwesicelo esipheleleyo esivumela iqabane lakho ukuba liqokelele kwingxelo yakho yokufumana imali ngelixa izibonelelo zakho ziyaqhubeka ziqokelela. Kwakhona kukuvumela ukuba uqokelele kwingxelo yakhe ngexesha iinzuzo zakho ziqokelela. Ngelishwa, imithetho emitsha yoKhuseleko loLuntu iphelile ukukhethwa kwefayile kunye nokumisa ngo-Apreli 3, 2016 kwabo bazalwa ngoJanuwari 2, 1954 okanye emva koko, le ndlela iya kusebenza kuphela xa wena kunye neqabane lakho sele nifikelele iminyaka yobudala . 03 Ukwandisa iiNzuzo ngokuSebenza iminyaka engama-35
Ukhuseleko lwezeNtlalo lusetyenziswa kwiminyaka engamashumi amathathu anesihlanu yembali yomsebenzi ukuba ubale i- average average indexed monthly earnings . Yilokho enquma inani le-Social Security benefit yakho, ngoko qi ni sekise ukuba uneminyaka engama-35 yembali yomsebenzi ukwenzela ukwandisa iinzuzo zakho ngaphambi kokufaka isicelo. Ukuba uneminyaka engaphantsi kweminyaka engama-35 yomsebenzi wembali, okanye ukuba uninzi lweminyaka engaphantsi kweminyaka engama-35 onayo kodwa unokufumana ngaphezulu, unokufuna ukuqhubeka usebenza. Eminye yeminyaka yakho ephezulu yokuzuza iya kuhlawula unyaka wakho wokufumana imali engaphantsi kwe-35 ngaphezulu ukwenzela ukuba inzuzo yakho ekugqibeleni iya kuba ngaphezulu.
I-04 I-Credits ye-Retirement Credits
Unako ukwandisa ingeniso yakho yomhlala-phantsi yomhlala-phantsi ngama-25 ekhulwini okanye ngaphezulu ngokulinda uneminyaka engama-70 ukuqala ukuqokelela inzuzo-nokuba uyeka ukusebenza ngaphambi koko. Oku kuvumela inzuzo yakho ukuba iqokelele izikripthi zokuthatha umhlala-mali . Oku kusebenza kakuhle xa usebenzisa le cwangciso ngokubambisana nabanye kwaye ukuba unomdla oqhelekileyo wokuphila. Kubaluleke nakakhulu kwizinga elincinci lentlalo. Kodwa ukuba unemiba yezempilo kwaye ucinga ukuba ungeke uphile iminyaka engama-80 ubudala okanye kunjalo, oku kusenokuba yindlela efanelekileyo.
Ukuhlaziya iiNombolo
Kukho inani labahlalutyi bezoKhuseleko kwiNtlalo ngaphandle apho okuza kukubonisa inani lemali onokuyifumana ngokusebenzisa esinye sezicwangciso ngokumelene nomnye. Zama enye okanye ngaphezulu kwaye udibanise uze udibanise ukhetho lwakho ukufumanisa inzuzo enokuyifumana xa ukhetha ukhetho.