Izicwangciso zempesheni zinika umthombo wembuyekezo engenayo, nangona kweli gama igama elithi "liqinisekisiwe" lisetyenziswe ngokungahambisani; Kukho ezininzi iziganeko apho izicwangciso zempesheni zazingena kwiinkonzo zemali kwaye zanyanzeliswa ukuba zinciphise izibonelelo ezihlawulwa kubasebenzi abakhona. Uyazi njani ukuba ipension yakho iqinisekisiwe?
Ukukhuselwa kwePensheni yakho
Iindaba ezilungileyo; kukho inhlobo yomshuwalense endaweni-inhlangano ebizwa ngokuba yiNkampani yeNgcaciso yeNzuzo yePensheni (PBGC) - isetyenziselwe ukukhusela inzuzo yakho yomhlalaphantsi.
Ukuba inkampani yakho ithatha inxaxheba kwi-PBGC, kungenzeka ukuba ubuncinci inxalenye yempesheni yakho yempesheni inesiqinisekiso.
Uninzi lwePension yakho lukhuselekile
Ingeniso yenyanga engenayo eqinisekisiwe yi-PBGC inesithumo. Ngonyaka we-2016, ngomntu oneminyaka engama-65 ubudala ofumana umhlala-phantsi, apho inkampani yakhe yayiyinxalenye ye-PBGC, kwaye ngubani othabatha ukuhlawula ubomi ngokubambisana kunye ne-50% eya kuhlawulwa kumntu osindileyo, inani elixhamlayo le-insured li-$ 4,510 ngenyanga.
Ukuhlawulwa komntu omnye, inani elincinci le-insured benefit kwi-65 ubudala li $ 5011. Ukuba inzuzo yakho yempesheni inkulu kunekota, imali engaphezulu ayifumanekanga. Ezi xabiso ze-insured ziyasebenza kwizinto ezibizwa ngokuba yizicwangciso zomqeshi omnye. Inani lemali ekhutshiweyo kwiiplani ezininzi zomqeshi zibone i-PBGC ye-Multi-Employer Plan.
Kubalulekile: Ukuba awukafiki iminyaka yobudala engama-65, inzuzo yakho epheleleyo yomhlala-phantsi ayinakufumana inshurensi nokuba ingaba ngaphantsi kwesikhephe. Inani elivumelekileyo le-insured yeempesheni zempesheni liyancitshiswa ngamnye kunyaka ongaphantsi kweminyaka engama-65, kwaye ukwandiswa ngumcimbi ngamnye kuneminyaka engaphezulu kwama-65 onokuthi unako, kunye nenani eliphezulu eliqinisekisiwe elifumanekayo kulabo bantu abaneminyaka engama-75 okanye ngaphezulu.
Uyakwazi ukubona inani elichanekileyo lentlawulo yenyanga eqinisekisiwe ngokusekelwe kwiminyaka yakho ngokuvakashela iifayile eziqinisekisiwe zeenyanga ezi-PBGC.
Azikho zonke iiPensheni eziKhuselwe
Izicwangciso zempesheni ezizimeleyo ezinikezelwa ngamashishini amakhulu zibandakanya inxaxheba kwi-PGBC, nangona kunjalo, izicwangciso zempesheni ezibonelelwa ngamazwe kunye noorhulumente basezidolophu.
Unokufumana okungakumbi malunga nezicwangciso zempesheni ngokusebenzisa iSicwangciso sam Isishurensi - Umqeshi ongabodwa okanye Isicwangciso sam Inshurensi -Izixhobo zePhepha zeMebenzi ezininzi ze-website ye-PBGC.
Uyakhuthazwa ukuba uthethe kunye nomanyano wakho, umcwangcisi umlawuli, umqeshi, okanye iplani yomhlalaphantsi uxhasa ngokukhawuleza ukubona ukuba yeyiphi i-inshorensi esetyenziswayo kumhlalaphantsi wakho. Ungazibuza ukuba umhlala-phantsi wakho uyagcinwa yi-PBGC.
Indlela Ukwahlukana Kwenzeka njani kwiPension yakho
Kungakhathaliseki ukuba uqhawule umtshato, ukhuseleko lomhlala-phantsi luyakhuselwa yimigudu kaRhulumente kunye noMthetho woKhuseleko loNgeniso loMhlala-phantsi we-Employee Retirement Act ka-1974 (ERISA) kunye noMthetho woKhuselo lwePensheni ka-2006. Nangona kunjalo, isigxina sakho kwisipesheni siya kuqulunqwa igqwetha lentsapho. Ukuba unelungelo lokufumana izibonelelo zomhlala-phantsi emva kokuqhawula umtshato umyalelo wobudlelwane basekhaya (QDRO) kufuneka ulungiswe (ngumqulu osemthethweni) kwaye unikezwe kumlawuli wecebo lomhlalaphantsi.
I-QDRO nguxwebhu olubophelela ngokusemthethweni isicwangciso somlawuli ukuhlawula izibonelelo kumlingane wangaphambili. Ngaphandle kwe-QDRO iplani yomhlala-phantsi ayikwazi ukwenza intlawulo - kungakhathaliseki ukuba umyalelo wenkundla yomtshato uthini.