Ngaba iPensheni Yakho Iya Kukho Xa Uthatha umhlalaphantsi?
I-PBGC ngokuyinhloko ixhaswa ngeeprayimari ezihlawulwa yiinkampani ezixhomekeke kwiimpesheni. Kananjalo yenza imali evela kwimali yomhlalaphantsi ethatha kwiinkampani ezibhankini.
Oko Kukwenza
I-PBGC iqinisekisa iingeniso zomhlala-phantsi zabasebenzi abangama-44.1 yezigidi kwisicwangciso seempesheni ezingama-30,000. Ukuba iinkampani ezinikezela ezi zicwangciso azikwazi ukuzibonelela, i-PBGC iyangena kuyo. Ngokomzekelo, inkampani yakho inokungena phantsi. Kwakhona kwenzeka ukuba ingxowa yempesheni yayingasetyenziswa kakuhle. Ezinye iinkampani azizange zibekelwe bucala ukuxhasa imali yomhlalaphantsi. Izigidi zabathathe umhlala-phantsi ziza kufumana iipesenti ezimbalwa zezinto ezifunekayo.
I-PBGC iqinisekisa kwakhona iimali zempesheni yomqeshi. Ezi zivumela iinkampani ezincinci ukuba zibambe ndawonye ukuze zenze amapensheni ahlukeneyo. Abaqeshwa banenzuzo ngokukwazi ukutshintsha iinkampani ngaphandle kokulahlekelwa zibonelelo zabo zomhlalaphantsi. Kukho izigidi ezili-10 ezikhoyo kunye nabasebenzi abahlala umhlala phantsi kwizicwangciso zabasebenzi abaninzi. Uninzi lwabo luya kuphelelwa yimali.
Ingaba isebenza kanjani
I-PBGC ayifaki isicwangciso kuze kube yilapho iqhutywe ngayo. Inkampani inqamisile isicwangciso kwaye i-PBGC ivumile ukuba yi-trustee.
Kuyakwenzeka kuphela ukuba inkundla yenkqantosi inquma ukuba inkampani ayikwazi ukuqhubeka isebenza xa igcina ipalamente yayo. Ngamanye amaxesha i-PBGC iya kuthatha isigqibo sokuthatha isicwangciso esihlawulwa ngemali. Umlawuli wecebo lenkampani kufuneka anikezele loo ngcaciso ngonyaka ngamnye kumqeshwa. Emva kokuba i-PBGC ibe ngumphathiswa, umqeshwa akakwazi ukufumana iimfuno ezongezelelweyo.
Izibonelelo zePBGC
I-PBGC iqinisekisa kuphela iinkonzo ezisisiseko zomhlalaphantsi. Ukongeza kwintlawulo yeempesheni zomhlalaphantsi, zibandakanya iintlawulo zomhlalaphantsi, iintsapho zokukhubazeka, kunye neenzuzo zonyaka.
Iintlawulo zixhomekeke kwisicwangciso sakho, imingcele yomthetho, ubudala bakho, kunye nocwangciso lwempahla. I-PBGC ayiqinisekisi ngeenzuzo zezempilo, ukuhlawula ikhefu, ukuhlawula iholide, ezinye iinshorensi zokufa kwe-inshorensi kunye nezinye iintlawulo zomhlala phantsi. Akukho zilungiso zeendleko zokuhlala .
Indlela Echaphazela Ngayo Uqoqosho Lwase-US
Iingcali ezininzi zikholelwa ukuba inani elingaziwa leenkampani aziyi kuba yimali efanelekileyo yokuxhasa imali yazo ipension. Ukuba iinkampani ezininzi zifaka isicelo sokukhuselwa kwi-PBGC, nayo ayiyi kuba nako ukuhlawula ipensheni. Oku kuya kushiya izigidi zabasebenzi abahlala phantsi ngaphandle komvuzo. Imvelaphi yabo kuphela yerhafu iya kuba yiNtlalo yoKhuseleko. Abanye baya kunyanzelwa ukuba baqhubeke besebenza xa benako.
Ngo-2006, uMongameli uBush wasayina uMthetho woKhuselo lwePensho ka-2006, ofuna ukuba iinkampani zixhaswe ngokupheleleyo izicwangciso zazo. Babeneminyaka eyisixhenxe ukuba babe ngama-100 ekhulwini axhaswa ngemali. Basenokunyuswa ukunyuswa kweerhafu kwiminikelo. Izicwangciso ezingenanto ubuncinane i-80 ekhulwini ezixhaswa ngemali zazingenako ukubonelela ngezibonelelo ezongezelelweyo.
Iinkampani ezithembela izicwangciso zazo kwi-PBGC kwaye zavela kwi-bankruptcy zafuneka zihlawule isohlwayo. Kwakuyimali eyi-1,250 nganye yabathatha inxaxheba kwiminyaka emithathu.
UmThetho woKhuselo lwePensheni kwakhona wavumela amabhizinisi ukuba abhalise ngokuzenzekelayo abasebenzi kuma-401 (k) amacebo. Ngaphandle kwayo, abasebenzi babekho amathuba okuchitha imali kunokuba basindise umhlalaphantsi.
Ingxaki Yempesheni yase-US
I-PBGC ngoku nje ihlinzeka ngeenzuzo ezingama-683,000 abahlala phantsi. Ayinakukwazi ukuhlawula amaxesha amabini okanye kathathu abaninzi abahlala phantsi. Akwazanga ukubonelela ngeemali ezingama-44 ezihlala phantsi. Ngako oko, i-PBGC iyimilinganiselo yokuyeka. Ayilungiselelwe ukujongana neengxaki zempesheni enkulu.
Nangona ipensheni ezininzi zixhaswa ngemali engcono, ezininzi zininzi. Ngenxa yoko, ezinye ziyanceda. Oku kungenxa yomthetho we-2014 owavumela iimali ezininzi zabaqashi ukunciphisa inzuzo ababenayo imali.
I-Central States Pension Fund isetyenzisiweyo kwi-Treasury yase-United States yokunciphisa iingeniso ezingama-250,000 kunye neentsapho zabo. UNondyebo wenqatshelwe ukutyunjwa. Ngenxa yoko, iNgxowa ithi iya kuhlaselwa ngo-2025.
I-PBGC iya kufuneka iqokelele izibonelelo. Kodwa ayikwazi ukuhlawula iintlawulo ezipheleleyo. Ingxowa-mali ye-PBGC yomqeshi iya kukhutshwa ngo-2025, ngokwemibiko yayo yesiNyaka emihlanu . Kungenxa yokuba ii-premiums ezihlawulwa ngabaqeshi azikwanelanga ukuhlawula imali yokuhlawula iprojekthi.
Indlela yokufumanisa ukuba ukhuselwe yi-PBGC
Fumana ukuba unesicwangciso somhlala-phantsi, saziwa nangoku njengecebo elichaziweyo. Cela umphathi wakho wekhowudi ikopi yeSicwangciso soShwankathelo soShwankathelo. Oku kuya kukuxelela ukuba uhlanganiswe yi-PBGC. Buza kwakhona ukuba ipenshini ubuncinane i-80 ekhulwini ixhaswa ngemali. Uninzi lwabasebenzi abasha namhlanje abanalo, kuba iinkampani zabo ngoku zinika 401 (k) s esikhundleni.