Kukho izinto ezintlanu ezibalulekileyo omele wazi ngazo malunga neenzuzo zakho zokuhlala zomhlala-phantsi; izinto ezifana nokusebenza kuchaphazela njani iinzuzo zakho ukuba uya kufuneka uhlawule irhafu kwiintlawulo zeNtlalo, kwaye ukuba ukuqokelela iintlawulo kusasa kukuchaphazela njani kunye neqabane lakho.
01 Ixesha elichaphazela ngayo iiNcedo zakho zoKhuselo loLuntu Ukufaneleka
Umhlalaphantsi ohlala phantsi (FRA) usekelwe kunyaka wakho nangosuku lokuzalwa - oko kuthetha ukuba akuyena wonke umntu uneFAR efanayo. Abantu abancinci banomdla ophezulu kwi-FRA kunabo babesele bafuna uxolo loLuntu.
I-FRA yakho inquma xa ufanelekile kwizinto ezibizwa ngokuba yinani elipheleleyo lemali okanye inkokhelo yomshuwalense . Ukuba uqala izibonelelo phambi kwe-FRA yakho, kuya kufuneka uthathe inzuzo encitshisiwe, kwaye xa uqala izibonelelo emva kwe-FRA yakho, ufanelekile ukufumana izikripthi zokuthatha umhlala-phantsi .
Kwakhona kubalulekile ukuba uqaphele ukuba kukho ishedyuli ehlukile ye-FRA yezibonelelo zakho kunokuba uncedo lomhlolokazi / umhlolokazi .
02 Ziziphi iziphumo zokumangalelwa koKhuselo loLuntu kwasekuqaleni?
Ngaphambi kokuya kwiofisi ye-Social Security yasekuhlaleni ukuyisebenzisa, hlalutya zonke iinketho zakho. Ukuqala ukuKhuseleko kwezeNtlalo kuyisigqibo esinqunyelwangayo - xa uqala ukuqokelela ukhuseleko lwezeNtlalo, unokuyeka kuphela inzuzo ukuba uneminyaka engama-12 emva kokuba uqale kwaye ngaloo ndlela kufuneka uhlawule oko ufumene ngoku. Enye indlela yokwenza ikhefu lokufumana umvuzo xa usuphelile iminyaka yakho yokuhlala umhlala phantsi unokumisa amancedo (ngezinye izihlandlo kuthiwa ukumiswa ngokuzithandela).
Ukumangalelwa kwezibonelelo zakuqala kunemiphumo; ukuba utshatile, uhlala unciphisa umntu osindayo ofumanekayo kwiqabane lakho (ukuba inani lakho lenzuzo likhulu kunabo).
Esinye isiphumo sokuthatha iNkqubo yoKhuseleko lweNtlalontle ngandlela-thile yindlela enye eyongeziweyo eyongezelelekileyo enokuchaphazela zakho izibonelelo. Siyakukufihla eso sinyathelo esilandelayo.
03 I-Limiting Limit ichaphazela abo baqala ukuKhuseleko loLuntu kwiNkqubela
Ukunciphisa kusekelwe kwimali yakho. Ingeniso yakho ayiyi kuba ngaphezu komyinge we- Social Security limit . Iindaba ezilungileyo ingeniso yentengo-mali ayithethi kumlinganiselo wonyaka wokufumana umvuzo; umvuzo kuphela obalekayo ingeniso oyifumanayo ngokusebenza.
Abanye abaneminyaka engama-62 ubudala baqalisa iintlawulo ezingayiqondi lo mgaqo. Baqhubeka besebenza, okanye babuyele emsebenzini emva konyaka, kwaye emva kokuba i-whey ifake i-tax return yabo xa i-earnings yabo ingaphezu komda bafumene ileta yesicelo evela kwi-Social Security ukubuyisela imali efunekayo (isekelwe kwifomu efuna ukuba ubuyisele kwi-$ 1 kuyo yonke i-$ 2 efunyenwe ngaphezu komda).
Xa usufikelele kwiminyaka yakho yokuhlala umhlalaphantsi ungenza nayiphi na imali kwaye akukho nciphiso isebenza.
04 Ewe, iiNzuzo zoKhuseleko loLuntu zixhomekeke kwimirhumo yomhlala phantsi
Ukuba unemivuzo yengeniso ngaphezu koKhuselo loLuntu, ngoko kufuneka uhlawule irhafu kwiintlawulo zakho zeNtlalo . Imithombo eyongezelelweyo yengeniso ejongene noKhuseleko loLuntu kuquka izinto ezifana nomvuzo, ingeniso yokufumana umsebenzi, inzala kunye neenzuzo, kunye nemali yengeniso .
Kukho umgaqo osetyenziswayo ukuchonga inani lemithombo phantsi kwentela. Kuxhomekeke kwimeko yakho yomtshato kunye nokuba uninzi umvuzo onayo.
Abaninzi abahlala phantsi bafumanisa malunga nale ntlawulo kuphela emva kokuba baqale ipensheni okanye baqale i-IRA yokurhoxiswa - kweso sihlandlo, "enye ingeniso" iya kunyuka kwaye ngaloo ndlela ezinye okanye ngaphezulu koKhuselo lwaKhuseleko lweNtlalo zihlawulwa. Bahlala bexhatshazwa ngokunyuka kwerhafu yabo yerhafu.
05 Ukutshata okanye ukutshatyalaliswa? Hlola kwiNzuzo yoKhuseleko lweNtlalontle
Izaziso - Ikhetho elingaphezulu liyinyaniso. Ngo-Oktobha 28, 2015, umthetho omtsha utshintshe imithetho yoKhuseleko loLuntu ukuze ezinye iinketho ezikhankanywe ngezantsi zingasasebenzi. Funda iMithetho yeNtsha yoLondolozo lweNtlalo phambi kokuba uqalise nasiphi na icebo lesibango.
Ukuba umlingane wakho wenza umsebenzi kwaye ufanelekile ukufumana izibonelelo zakhe, kodwa ngokomyinge waba ngumthengi ophantsi phakathi kwabo bobabini, ngoko kusenokuba nengqiqo ukuba bafune inzuzo yomtshato iminyaka embalwa - kwaye batshintshele isixa semali xa befikelela kwiminyaka eyi-70.
Ukuba uthe waqhawula umtshato kodwa utshatile iminyaka engaphezu kweyishumi, kwaye ngoku ungatshatanga , unokwazi ukufumana inzuzo yomtshato kwiirekhodi zangaphambili (nangona zifikile). Ukuthatha le ntlawulo akunakuchukumisa kwintsapho yakho yangaphambili okanye inzuzo yabo yeqabane xa bephinde batshata.
Ukuba utshatile, kubaluleke kakhulu ukuba uqonde indlela inzuzo yomtshato eya kuchaphazeleka ngayo xa uthatha inzuzo yakho yeNtlalo yeNtlalo. Ngokwenza njalo, unokunciphisa ngonaphakade umlinganiselo wabasindileyo onokufumana inzuzo kwiqabane lakho.
Izibini ezithandanayo zenza uxanduva lwabo loKhuseleko loLuntu zifake isinqumo ngokuzimela ngaphandle komnye kwaye zilahlekile ngokungaqondi ukuba zinokuyithatha njani inzuzo yeziqabane zomtshato.