I-GPO kakhulu ichaphazela ootitshala nabanye abasebenzi baseburhulumenteni.
Kuyakuchukumisa kuphela ukuba uya kufumana umhlala-phantsi osekelwe kwimali engenakwenziwa phantsi kweNkqubo yoKhuseleko loLuntu. Kule meko, umthetho we- Pension Offset rule unganciphisa iintlawulo zoKhuseleko lwezeNtlalo ovumelekile ukuba ufumane njengeqabane, umlingane okanye umhlolokazi / umhlolokazi.
Qaphela: Iinzuzo ozilungele ukufumana ngokusekelwe kwirekhodi yakho yokufumana inokuchaphazeleka ngumgaqo ohlukeneyo obizwa ngokuba yi- Windfall Elimination Provision (WEP).
I-Offset Pension Offset (GPO) ilawula ngokuqhelekileyo inokuchaphazela ootitshala, abasebenzi bezomthetho, abasebenzi beposi, abacimi bomlilo kunye nabanye abasebenzi baseburhulumenteni abasebenzela inkampani eneenkqubo zabo zempesheni kwaye ayinathathi inxaxheba kwinkqubo yoKhuselo loLuntu. Inokukuchaphazela ukuba ufumana ipenshoni esekelwe emsebenzini owenziwa ngaphandle kwelizwe.
Izibini ezingabandakanyekanga ngala maqhinga okukhutshwa, zikho izicwangciso zoKhuseleko loLuntu ongasisebenzisa, njengowomnye umlingane obiza inzuzo yomtshato ngexesha lokuhlala umhlalaphantsi ngokupheleleyo, emva koko uguqule ngokwabo xa befikelela kuma-70. Ukuba i-GPO okanye I-WEP ikuchaphazela kunye / okanye iqabane lakho, ezi zicwangciso kufuneka zihlolwe ngokucokisekileyo ngenxa yemiphumo yale mithetho.
Kutheni i-GPO Rule kwindawo?
Ngaphambi kokumiselwa kwe-GPO, abanye abasebenzi abangazange bahlawule kwinkqubo yoKhuselo lweNtlalo bafumana iifumaneke ukuba bangafanelekanga ukuba bahlawulwe kwi-system. I-GPO yafakwa kwindawo yokudlala kwinqanaba lokudlala kwaye iqinisekise ukuba iingeniso zabasebenzi bakaRhulumente abangabhatali irhafu yentlalo yeNtlalo zibalwe ngokufanayo nabasebenzi kwicandelo labucala abahlawula irhafu yentlalo yoLuntu.
Ndingakanani Umtshato Wanga Umtshato okanye Umhlolokazi / Inzuzo Yomhlolokazi Iyancitshiswa?
Iintlawulo Zakho zoKhuseleko lweNtlalo ziya kuncitshiswa yi-sibini kwisithathu semali yepenshini efanelekileyo. Kwezinye iimeko unako ukufumana ipenshoni kumqeshi apho umsebenzi uhlanganiswe phantsi koKhuselo loLuntu. Ukuba umhlalaphantsi awuchaphazeli inzuzo yakho yeNtlalo.
Nasi umzekelo. Ukuba uya kufumana umhlalaphantsi we-$ 900 osukela kwiminyaka yomsebenzi engagqithwanga phantsi koKhuseleko loLuntu, ngoko-ke kubini inxalenye yesibini (okanye i-$ 600) iya kuncitshiswa kumntu osweleyo okanye umhlolokazi / umhlolokazi onokuyifumana ngenye indlela. Ukuba ngaba ufanelekile ukuba ufumane i-$ 1.600 yomhlolokazi / umhlolokazi, malunga nale meko umhlolokazi / umhlolokazi wakho uya kuba yi-$ 1,000 endaweni ye-$ 1,600.
Ndiyilinganisa njani iMiczuzo yam ukuba iGPO iyasebenza kum?
Iwebhsayithi yoKhuseleko loLuntu inikezela i-calculator ye-offset calculator (pensionsetsetsetset calculator) eya kubala inani lakho inzuzo emva kweempembelelo ezichaphazelekayo ze-GPO. Ezinye i- calculators software zekhompyutha zibavumela ukuba wenze ezinye iinkcazo ezicacileyo apho ufaka umlando wakho wemali kunye neengqikelelo zempesheni kwisofthiwe. Uninzi lweephakheji zesofthiwe zenzelwe ukuvelisa isincomo sakho sesicelo esekelwe kwimeko yakho.
Njengoko usondele kumhlalaphantsi, unokucela i-ofisi yoKhuseleko loLuntu ukulungiselela uqikelelo lwakho oluquka imiphumo yemigangatho efana ne-GPO kunye ne-WEP. Yilungiselele ukuba ulinde kwiofisi yoKhuselo loLuntu ixesha elide okanye uchithe ixesha elikhulu kwifowuni kunye nabo ukuze ufumane ulwazi oluyidingayo. Ngabantu abangaba ngu-10 000 ngosuku abajika ii-62, ii-ofisi zoKhuseleko zeNtlalo kunye nabameli bahlala bexineke ngomsebenzi.