Imithetho yoKhuseleko loLuntu iyahlukileyo kumlingane ngokuchasene naye
Isizathu esiqhelekileyo sokudideka sivela kumnye umncinci omncinane phakathi kweenzuzo zomlingane ngokuchasene nomlingane owayengumlingane. Udideko olongezelelweyo luvela ekuzameni ukucacisa oko kwenzekayo kunye neentlobo zomtshato xa ubango phambi kokuba ulandele iminyaka yobudala yomhlalaphantsi (FRA).
Uninzi lwangethuba lokudideka lunokukhutshwa ngokuqonda imithetho emithathu elandelayo echaphazela inzuzo yomtshato.
1. Izibonelelo zomtshato ezinikwa ngabafazi abatshatileyo
- Ukuze ufanele ukufumana inzuzo yomtshato, iqabane lakho kufuneka lifakele inzuzo yazo .
- Lo myalelo ukuba iqabane lakho limele lifake iifowuni alisebenzisiyo kwabatshatileyo .
Lo mdahluko phakathi kokuncedisa umlingani okhoyo ngoku kunye nomntu owayengumlingani ngokuqhelekileyo uhlala apho kudideka khona.
Ukubamba inzuzo yomtshato esekelwe kwirekhodi yomvuzo womntu osekudala, umlingane wakho wesibini kufuneka abe no-62 kwaye afaneleke ukufumana izibonelelo, kodwa akukho mfuneko yokuba kufuneka ukuba sele ivele ifake inzuzo.
Ukubamba inzuzo yomtshato esekelwe kwirekhodi yakho yokufumana umlingani wakho, umlingane oza ku funeka ukuba ufake iinjongo zakhe.
Kukho isicwangciso sesibini esitshatileyo esibizwa ngokuthi " ifayile kunye nokumisa " apho elinye iqabane lingayifakraza kodwa ngokukhawuleza limise iintlawulo zabo eziye zavumela elinye iqabane ukuba lifake izibonelelo zomtshato. Nangona kunjalo esi sicwangciso asikho.
Ngenxa yemithetho emitsha yoKhuseleko lweNtlalo eyadluliselwa ngoNovemba 2015 nabani na oya kumisa amancedo emva ko-Apreli 30, ngo-2016, uya kugqiba ukuxininisa zonke iinjongo ezisekelwe kwingxelo yabo-oko kuthetha ukuba umlingane akanako ukuqokelela iinzuzo zomtshato ngexesha apho iqabane lawo " "inzuzo.
Eyona nto: Ukuba usatshatile umlingane wakho kufuneka afake iifayile zokufumana ilungelo lokufumana umtshato.
Ukuba unomlingane wangaphambili, utshatile ngaphezu kweminyaka eyi-10, uqhawule umtshato iminyaka engama-2 ubudala, i-ex yakho yowama-62 kwaye ifanelekile kwiintlawulo zabo, akufuneki ukuba ifake isicelo sokuba uvumeleke ukuba uzuze umtshato.
2. Imigaqo yokuThengwa eThethwayo
Xa ufaka iifayile zakho zokuthatha umhlala-phantsi we-Social Security, uthathwa njengezifakela inzuzo yakho kunye nenzuzo yomtshato, kwaye uya kunikwa iphakamileyo ye-2.
Ukuba uzalwe ngomhla okanye phambi kukaJanuwari 1, 1954 kwaye uneminyaka yobudala yokuthatha umhlalaphantsi (FRA) okanye udala, ungacacisa kwisicelo sakho ukuba sisisicelo esipheleleyo kwaye unokukhetha ukubiza inzuzo yakho okanye inzuzo yomtshato .
Abahlolokazi nabahlolokazi bangasebenzisa isicelo esithintekayo nangaliphi ixesha elidala eliphakathi kweminyaka engama-60 okanye ngaphezulu, kodwa ukuba awukho umhlolokazi okanye umhlolokazi unokukhawulela kuphela isicelo sakho ukuba:
- Uneminyaka eyi-FRA okanye ngaphezulu.
- Uzalelwe ngomhla okanye phambi kukaJanuwari 1, 1954 (lo mgaqo uqale ukusebenza ngoNovemba 2, 2015).
Ngaphambi kokuba ufinyelele i-FRA yakho, awukwazi ukusebenzisa isicelo esipheleleyo ukuba ukhethe ukuba ufuna ukufakela kuphela inzuzo yomtshato.
Ukuba uzalwe ngomhla okanye ngaphambi komhla ka-1/1/1954 xa ufinyelela kwi-FRA yakho ungasebenzisa isicelo esithintele ukukhawulela ububanzi besicelo sakho kwiintlawulo zomtshato kuphela, kukuvumela ukuba utshintshise emva kwexabiso lakho.
Ukuba uzalwe ngomhla okanye emva komhla we-1/2/1954 xa ufaka iifowunithi uza kuthathwa njengefayile kuzo zonke izibonelelo ozilungeleyo. Ukuba iqabane lakho sele lifake, uzakufumana ngokuzenzekelayo inkulu yakho okanye inzuzo yomtshato.
Ukuba lakho iqabane alizange lifake kodwa kodwa, xa iifayile zakho zifayile, imithetho efundwayo yokufakela iqala ukusebenza. Ngaloo xesha uya kuba nelungelo lokufumana umtshato kunye nokuba ngaba ngaphezu koko ufumana ukuKhuseleko loLuntu uza kukuhlawula ngokuzenzekelayo imali eyongezelelweyo inyanga nganye.
Udideko luvela xa unomlingane osemncinci (masithi 62) oye wafaka, kunye nomlingane omdala (masithi 65) ongazange afake.
Cinga ukuba iifowuni encinci iifayile ezingama-62. Njengoko iqabane elidala lingayifakwanga, izibonelelo zomtshato azitholakali kodwa ke umlingane osemncinci uyazuza.
Xa iqabane elidala lifakela iifayile kwiinzuzo zomntu omncinci omncinci uya kuba nelungelo lokufumana inzuzo yomtshato, kodwa kuba iqabane elincinci liye lafika ekuqaleni (ngaphambi kokuba lifike kwi-FRA i-benefit calculation ukucacisa inani lexabiso lomtshato abaya kufumana liyahlukileyo. Ndivile oko kuthiwa "inzala engaphezulu" kwaye inzuzo "yokuncedisa" inzuzo.
3. Ukuxhamla ngokweqile okanye uMxhaso woNgeza
Ngokuqhelekileyo inzuzo yomtshato ingama-50% yexabiso le-FRA yomlingane, incitshiswe xa iqabane elibiza umtshato lifaka iifayili ngenzuzo kwangethuba. Ukuba elinye iqabane lifumene izibonelelo zabo, kwaye kamva liba nelungelo lokufumana inzuzo yomtshato, kukho umgaqo osetyenziswayo ukufumanisa inani lexabiso lomtshato (ukuba likhona) abangafumanayo.
Masisebenze ngokunyuka kwimizekelo yethu ngasentla. Umlingane osemncinci wathetha ngo-62. Inani lakhe le- inshurensi eliphambili (PIA) lalingama-$ 800, kodwa ngenxa yokuba waqala ukufumana imali engama-R6 600 ngenyanga ngeenzuzo. (I-$ 800 / .75 ibonisa ukunciphisa afunyanwa ngokubango phambi kwe-FRA.) Umlingane omdala uya kubanga xa ejika 66. Inani lakhe le-inshurensi eliphambili (PIA) li-$ 2,100.
Thatha i-PIA yeqabane elidala lihlukaniswe ngo-2, nciphise i-PIA yomlingane omncinci. $ 2,100 / 2 $ = $ 1,050 - $ 800 = $ 250.
Xa umyeni wakhe efayilile izibonelelo kwaye ufanelekile ukuba abe nomtshato, loo $ 250 iyongezwa kwinto ayifumanayo ngoku kwaye inzuzo yakhe yenyanga iya kuphuma kwi-$ 600 ukuya kwi-850 yelo xesha.
Ukuba wayelindelwe ukuba iFRA yakhe ifake iifowuncedo, yayiza kufumana inzuzo epheleleyo yokutshata i-$ 1,050, njengoko loo nto yayiza kuphakama ngaphezu kwe-FRA yenani le-$ 800. Enyanisweni kwakuza kufuneka ukuba ahambe phambili kwiminyaka emine yokuqala yeenzuzo zokufumana isixa esiphezulu. Kule meko ethile, mhlawumbi kunengqondo ukuba afake iifayile.
Izibonelelo eziKongeziweyo
Izibalo zokufumana izibonelelo zomtshato zidideka kwaye zingadinga uncedo oluvela kwiKhuseleko loLuntu okanye ngongcali yenkampani yesithathu. Ukuba ufuna ukufunda ngokubanzi malunga neendlela zokwenene zomtshato, sebenzela kwezi zixhobo kwiwebhusayithi yoKhuseleko loLuntu:
Izinzuzo Zabafazi - Eli phepha linakho i-calculator eqikelela umphumo wokuthatha umhlalaphantsi kwangaphambili.
Isilinganisi seNzuzo-Eli phepha likuthabatha kwii-calculators ze-Social Security calculators ezivumela ukuba ufumane iinkcukacha njengoko ufuna ukuqikelela zakho iingenelo.
Umcwangcisi womhlala-phantsi: Iinzuzo kuwe Njengomlingani- Iinguqulelo elula malunga nemigaqo malunga neentlobo zomtshato.