Ubudala obu-55 buya kuba yinto yokuguqula izigqibo zempilo kunye nezempilo. Iminyaka eyi-10 kuphela ukusuka ekufanelekeni kweMedare, abantu abaninzi bagxininise ekulondolozeni umhlalaphantsi. Kwabanye, iminyaka yokucwangcisa ngokucophelela ithetha iminyaka engama-55 xa iqala ukuhlala phantsi.
Ukufikelela kwii-50s zakho kunokuthetha ukuba impilo yempilo ibaluleke kakhulu. Ngo-2014, ubudala beminyaka yobudala bokukhubazeka kwabakhomishoni boKhuseleko loKhuseleko loLuntu (SSDI) be-53.7, ngokwe-Social Security Administration.
Ngolu hlobo lweenkonzo zezempilo kunye noshintsho lwemali esandleni, izigqibo zononophelo zezempilo zibaluleke kakhulu.
Ukwandisa, abantu ngabanye bayazi ukuba ubunzima bezenzo zabo zabathengi malunga nokunakekelwa kwezempilo. Ukutshintshwa okwenzeka ngaphambi kokuthatha umhlalaphantsi kunye nokuthatha umhlalaphantsi, kuquka ukufaneleka kwamagciwane, kubaluleke kakhulu xa kufikelele ekuhlanganiseni inzuzo. Ngelishwa, ubunzima bezimvo zonyango luqhubeka lukhula. Kodwa kukho izibonelelo ezikhoyo ukunceda abantu kunye neentsapho zabo ziqonda ukuba inzuzo yangexesha elide lokhetho olufanelekileyo kunye nokuqonda okungcono ukhetho lwabo.
Ezi zinto zilandelayo zixhalaba ezintathu eziba zibalaseleyo kwiminyaka engama-55 nangaphezulu:
1. Ukwenza kwi-Medicare
Ukuthatha umhlalaphantsi kwangoko okanye kwindawo yokusebenza yimiba yezimbalwa zezizathu zokuba abantu banokukhathazeka ngokwenza ukuba kube neminyaka eyi-65 kunye ne-Medicare eligunyazisiweyo, kodwa uMthetho woNonophelo ongenakunqwenelekayo uye wazisa ezinye iindlela ezininzi zokufumana uncedo lwezempilo ngaphambi ko-65.
Nangona abantu banamathuba okuthenga i-COBRA xa besuka kumqeshi, kunokubaluleka kwiinjongo zokulondoloza ukuqwalasela indawo yengingqi ye-Atshorensi yeMpilo. Kungenzeka ukunciphisa iindleko zokunakekelwa kwempilo kakhulu kubabo abafanelekayo kwi-Marketplace incentives ngokukhetha isicwangciso sokutshintshana nabo kunye neentsapho zabo.
Umgangatho wezeMpilo weNtsapho kunye nabaxhomekekileyo
Le nkxalabo inokuba yinto evelele kakhulu kwintsapho yokutya, ingakumbi ukuba ucinga ukuhlala phantsi. Iqela lomqeshi elijongene nokunakekelwa kwezempilo linganikeza isicwangciso lonke intsapho, kodwa oku kuya kutshintsha ngomhlalaphantsi. Ngokomzekelo, abantu abasondele kwiminyaka engama-65 kunye nomlingane omncinci kunye nabaxhomekeke kwisicwangciso sezempilo sabo somqeshi banokuvakalelwa ngathi kufuneka baqhubeke bezama ukugcina inkxaso yokunakekelwa kwezempilo. Kodwa oku akunako ukunyaniseka. Izicwangciso zeeNguquko zibonelela ngezinye iindlela ezazingekho kwixesha elidlulileyo.
3. Ukhuseleko kunye noLuntu
Akukho bukhulu bomntu obuhamba ngayo yonke indlela yokusingatha inzuzo yeNtlalo yeNtlalo. Abanye baqhubeka besebenza ekupheleni kweminyaka engama-60 ngelixa befumana iiNtlawulo zeNtlalo. Abanye banokulibazisa ukuthatha iinzuzo zabo zoKhuselo lweNtlalo ukufikelela kwizinga eliphakamileyo leenzuzo kwiminyaka engama-70. Kukho amanqaku amaninzi malunga nokulungelelaniswa komhlala-phantsi komhlala-phantsi phakathi kwabasebenzi abaphambili, abafazi kunye nabafelokazi ukuba bafumane inzuzo enkulu kubaxhamli. Kodwa unonophelo lwempilo lunokudibanisa kulo mxube. Ngokomzekelo, abantu ababhalisele ukuKhuseleko loLuntu emva kweminyaka yobudala engama-65 kwaye bancedisa kwiAkhawunti yokuThengiswa kweMpilo (HSA) kufuneka baqaphele izigwebo zerhafu.
Abantu abanokuzuza kwiiprogram ze-Marketplace baquka abo baneemashishini abo, abaqeqeshi abazimele, iintsapho ezinemizi emikhulu enokuzuza kwiinkxaso zemali zentlawulo yengxowa-mali , kunye nabathathe umhlala-phantsi abaseneminyaka embalwa ukuya ngaphambi kokuba Abanempilo bafanelekile kwiminyaka engama-65.
Abantu abayizigidi ezili-10 basebenzisa i-Marketplace ngoku, kodwa inani elinokubakho labantu abangenelwayo lisondele kwizigidi ezingama-28, ngokwe-Kaiser Family Foundation. Kukho ithuba elibalulekileyo kubantu abaninzi ukwenza ukhetho olufanelekileyo oluza kuxhamla iintsapho zabo kunye neemeko zabo zezimali, ingakumbi njengoko zikhangele phambili kumhlala-phantsi.
Eli nqaku liza kuthiwa nguTricia Blazier, JD, umlawuli wezempilo kunye nocwangciso lwemali we- Allsup. I-Allsup ngumnikezeli welizwe loKhuseleko loKhuseleko loLuntu, isibheno sokukhubazeka kwabasemagunyeni, isicwangciso sokutshintshana kunye neenkonzo zeMedare ngabanye, abaqeshi kunye nabathwali bomshuwalense.