Isikhokelo esiphezulu sokusebenzisa iinombolo emva koKhuselo lweNtlalo.
- Kude kangakanani usebenza
- Uninzi kangakanani unyaka ngamnye
- I xabiso
- Yiyiphi iminyaka oqala ukuyisebenzisa ngayo
Kulo khokelo linyathelo-ngenyathelo, ndiya kukubonisa indlela ezi zinto zichaphazela ngayo imali yakho yenzuzo.
Ukhuseleko lweNtlalontle lubalwa njani?
Kukho inkqubo yesinyathelo esithathu esetyenzisiweyo ukubala inani leenzuzo zoKhuseleko loLuntu oya kufumana.
Inyathelo 1: Sebenzisa umlando wakho wokufumana imali ukubala i-Average Income Monthly Revenue (AIME).
Inyathelo 2: Sebenzisa i-AIME yakho ukubala inani lakho leNtshurensi yasePrayimari (PIA).
Inyathelo lesi-3: Sebenzisa iPIA yakho kwaye uyilungiselele ixesha eliza kuqala ngalo.
Kule nqaku ndagqitya nganye yale nyathelo kwaye ndibonelela amatafula ukuba ndibonise ukuba izibalo zisebenza njani. Ukuze ulandele kunye, fumana ikopi yeSitatimende sakho soKhuseleko lweNtlalo esinikeza umlando wakho wokufumana, sebenzisa idatha endidibanisa kuyo kwicandelo ngalinye, kwaye ufake iifowuni zakho kwiifomula.
Inyathelo 1: Indlela yokubala iMilinganiselo yakho yeNkcazo yeNyanga nganye
Uqikelelo lwenzuzo yakho yoKhuseleko loLuntu luqala ngokujonga indlela osebenze ngayo kwaye uninzi kangakanani unyaka ngamnye. Imbali yokufumana imali isetyenziselwa ukubala i-Average Income Monthly Revenue (AIME) kunye nokubala kubandakanya iminyaka engama-35 yempumelelo yomlando onayo.
Ukubalwa kwe-AIME kusebenza ngale ndlela (umzekelo uboniswe kwitheyibhile engezantsi):
1. Qala ngohlu lweempatho yakho ngonyaka.
Imbali yakho yemali iboniswa kwingxelo yakho yeNtlalo yoKhuseleko, ongayifumana kwi-intanethi ngoku.
Kulo mzekelo ungaphantsi kwemali efumanekayo iboniswe kwiKholam C. Imali engenayo kuphela ngaphantsi komda wonyaka ochaziweyo ifakiwe. Lo mda wonyaka wokubandakanya umvuzo ubizwa ngokuba yi-Contribution kunye neNzuzo yeZibonelelo kwaye uboniswa njenge-Max Incarnation kwiKholamli H kwitheyibhile elingezantsi.
2. Hlaziya umnyaka ngamnye wemali yokufumana imali.
Ukhuselo lweNtlalo lusebenzisa inkqubo ebizwa ngokuba yi-indexing indexing ukucacisa indlela yokulungisa umlando wakho wokufumana umvuzo. Kukho amanyathelo amabini aphambili kwinkqubo yokunikwa kwemivuzo.
- Unyaka ngamnye Ukhuseleko lwezeNtlalo lupapasha umvuzo oqhelekileyo kazwelonke wonyaka. Uyakubona olu luhlu olupapashwe kwiSizwe seNkcazo yeMvuzo yeNkcazo kaZwelonke.
- Umvuzo wakho uhlawulelwe umyinge womyinge wonyaka uvula ama-60. Unyaka ngamnye, uthatha umyinge wemyinge wonyaka wakho wokubhalisa (ngowona unyaka uvula ama-60) olwahlula umvuzo omyinge wonyaka owenzayo, kwaye wanda zakho zibandakanya umvuzo ngeli nani.
Umzekelo:
- Kulo mzekelo ungezantsi ujonge i-1984 yokufumana i-$ 21,000 kwi-Column C.
- Umvuzo omyinge ngaloo nyaka wawuyi $ 16,135 kwikholam D.
- Uthatha i-$ 44888.16, umvuzo osemgangathweni wonyaka lo mntu waphendukela kwiminyaka engama-60 (ngo-2013 egqityiweyo kwiingqikhali ezichanekileyo) ehlukaniswe ngama-16,135, ukuze ufumane i-index Factor kwikholamu E.
- Yandisa i-earnings ka-1984 ngolu hlobo lenkcazo ukuze ufumane i-$ 58,423 eyi-R50.
Jonga imimiselo emibili yokufaka imivuzo evela kwi-Social Security.
Ngenxa yokuba umvuzo wendlela yokufaka umvuzo usebenza njani, ukuba awukho 62, ukubala kwakho ukufumanisa ukuba lukhulu kangakanani Ukhuseleko Loluntu oluya kufumana luqikelelo. Kuze ukwazi ukuba umvuzo omyinge wonyaka unyaka-60, akukho ndlela yokwenza ukubalwa ngqo. Nangona kunjalo unokwenza umlinganiselo wexabiso lokunyuka kwamanani emali kumyinge wokulinganisa ukulinganisa umyinge wemyinge ohamba phambili kwaye usebenzise abo ukudala uqikelelo.
3. Sebenzisa iminyaka yakho engama-35 ephezulu ye-indexed earnings kwaye ubale umyinge weenyanga.
I-Social Security benefit calculation isebenzisa iminyaka yakho engaphezulu kweminyaka engama-35 yokufumana umvuzo wakho wokugqibela ngenyanga. Ukuba awunayo iminyaka engama-35 yomvuzo, i-zero iya kusetyenziswa ekubaleni, okuya kunciphisa umyinge. Kulo mzekelo ungentla ubona iminyaka engama-35 ephezulu kwiKholamli G.
Iyonke iminyaka engama-35 ephezulu ye-indexed earnings kwaye yahlula eli lilonke ngo-420 (leyo yinani leenyanga kwimbali yomsebenzi wama-35 weminyaka). Uyabona oku kuqakanyiswe koluhlaza kumzekelo ongentla.
Isiphumo: Umvuzo wakho weNyanga yeNyanga okanye iNAIME.
| A | B | C | D | E | F | G | H |
|---|---|---|---|---|---|---|---|
| Unyaka | Ubudala | Eyona mivuzo | Umvuzo Wemivuzo | Factory Index | Imirhumo ekhompyutheni emva kweKapa | 35 ephakamileyo | Ukufumana iMax |
| I-SS Stmt yeRhafu. | KwiSawe yeWebhu | Iminyaka eyi-60 kuMva. Umvuzo / Okwenziweyo Unyaka. Umvuzo | Ukunyusa iMali eNyaka yoNyaka ngeNkcazo yeNkcazo yonyaka | Ukuba ngaphezulu kweminyaka engama-35, uthabathe i-35 ephezulu ehlawulwa ngeNkcazo. Iminyaka engama-35, faka i-0 iminyaka elahlekileyo | KwiSawe yeWebhu | ||
| 1971 | 18 | 1000 | 6497.08 | 6.909 | 6909 | N / A | 7800 |
| 1972 | 19 | 2000 | 7133.8 | 6.292 | 12586 | N / A | 9000 |
| 1973 | 20 | 3000 | 7580.16 | 5.922 | 17766 | N / A | 10800 |
| 1974 | 21 | 4000 | 8030.76 | 5.590 | 22360 | N / A | 13200 |
| 1975 | 22 | 5000 | 8630.92 | 5.201 | 26010 | N / A | 14100 |
| 1976 | 23 | 6000 | 9226.48 | 4.865 | 29196 | N / A | 15300 |
| 1977 | 24 | 7000 | 9779.44 | 4.590 | 32137 | N / A | 16500 |
| 1978 | 25 | 8000 | 10556.03 | 4.252 | 34024 | N / A | 17700 |
| 1979 | 26 | 9000 | 11479.46 | 3.910 | 35199 | N / A | 22900 |
| 1980 | 27 | 10000 | 12513.46 | 3.587 | 35872 | 35872 | 25900 |
| 1981 | 28 | 11000 | 13773.10 | 3.259 | 35850 | 35850 | 29700 |
| 1982 | 29 | 18000 | 14531.34 | 3.089 | 55603 | 55603 | 32400 |
| 1983 | 30 | 20000 | 15239.24 | 2.946 | 58911 | 58911 | 35700 |
| 1984 | 31 | 21000 | 16135.07 | 2.782 | 58423 | 58423 | 37800 |
| 1985 | 32 | 22000 | 16822.51 | 2.668 | 58703 | 58703 | 39600 |
| 1986 | 33 | 23000 | 17321.82 | 2.591 | 59603 | 59603 | 42000 |
| 1987 | 34 | 24000 | 18426.51 | 2.436 | 58466 | 58466 | 43800 |
| 1988 | 35 | 25000 | 19334.04 | 2.322 | 58043 | 58043 | 45000 |
| 1989 | 36 | 25000 | 20099.55 | 2.233 | 55832 | 55832 | 48000 |
| 1990 | 37 | 25000 | 21027.98 | 2.135 | 53367 | 53367 | 51300 |
| 1991 | 38 | 27000 | 21811.60 | 2.058 | 55666 | 55666 | 53400 |
| 1992 | 39 | 29000 | 22935.42 | 1.957 | 56757 | 56757 | 55500 |
| 1993 | 40 | 30000 | 23132.67 | 1.940 | 58214 | 58214 | 57600 |
| 1994 | 41 | 36000 | 23753.53 | 1.890 | 68031 | 68031 | 60600 |
| 1995 | 42 | 37000 | 24705.66 | 1.817 | 67226 | 67226 | 61200 |
| 1996 | 43 | 38000 | 25913.90 | 1.732 | 65824 | 65824 | 62700 |
| 1997 | 44 | 39000 | 27426.00 | 1.637 | 63831 | 63831 | 65400 |
| 1998 | 45 | 40000 | 28861.44 | 1.555 | 62212 | 62212 | 68400 |
| 1999 | 46 | 41000 | 30469.84 | 1.473 | 60401 | 60401 | 72600 |
| 2000 | 47 | 42000 | 32154.82 | 1.396 | 58632 | 58632 | 76200 |
| 2001 | 48 | 40000 | 32921.92 | 1.363 | 54539 | 54539 | 80400 |
| 2002 | 49 | 40000 | 33252.09 | 1.350 | 53997 | 53997 | 84900 |
| 2003 | 50 | 40000 | 34064.95 | 1.318 | 52709 | 52709 | 87000 |
| 2004 | 51 | 43000 | 35648.55 | 1.259 | 54145 | 54145 | 87900 |
| 2005 | 52 | 45000 | 36952.94 | 1.215 | 54663 | 54663 | 90000 |
| 2006 | 53 | 46000 | 38651.41 | 1.161 | 53423 | 53423 | 94200 |
| 2007 | 54 | 48000 | 40405.48 | 1.111 | 53325 | 53325 | 97500 |
| 2008 | 55 | 50000 | 41334.97 | 1.086 | 54298 | 54298 | 102000 |
| 2009 | 56 | 44000 | 40711.61 | 1.103 | 48514 | 48514 | 106800 |
| 2010 | 57 | 44000 | 41673.83 | 1.077 | 47394 | 47394 | 106800 |
| 2011 | 58 | 46000 | 42971.61 | 1.045 | 48052 | 48052 | 106800 |
| 2012 | 59 | 48000 | 44321.67 | 1.013 | 48614 | 48614 | 110100 |
| 2013 | 60 | 45000 | 44888.16 | 1 | 45000 | 45000 | 113700 |
| 2014 | 61 | 45000 | 44888.16 | 1 | 45000 | 45000 | 117000 |
| 2015 | 62 | - | 44888.16 | 1 | 118500 | ||
| * iminyaka yobudala engama-60 ngu-indexing year | Uhlu lweSahlulo seKholamu G phezulu kwii-35 ngeenyanga ezingama-420 ukukhetha i-AIME | 1,919,040 | |||||
| AIME = | $ 4,569 / ngenyanga |
Inyathelo 2 - Sebenzisa i-AIME yakho ukubala inani lakho le-Intshurensi yakho yaseprayimari (PIA)
Emva kokuba ubale i-Average Income Income Monthly Revenue (AIME), uyifake loo nombolo kwifom ukuze ufumane iNani leNkxaso ye-Intshurensi yakho okanye iPIA. Le fomula isekelwe kwinto ethiwa "amaphuzu okuguqa."
IiNgcaciso zeeNgcaciso zeNtlalo
Iifom zokhuseleko lweNtlalontle yenzelwe ukubuyisela inxalenye ephezulu yemali engenayo kubantu abanomvuzo ophantsi kunokuba bafumane umvuzo ophezulu.
Ukwenza oku, ifomula inezinto ezibizwa ngokuba yi "bend points". Ezi ngongoma zoguqu zitshintshelwe ukunyuka kwamaxabiso ngonyaka.
Ukubheja amaphuzu ukusuka kunyaka oya ku-62 usebenzisela ukubala izibonelelo zakho zokuhlala phantsi koKhuseleko loLuntu. Umzekelo kwitheyibhile engezantsi isebenzisa amaphuzu okugoba ama-2015. Isebenza kanje:
- Uthatha i-90% ye-$ 826 yokuqala ye-AIME.
- Uthatha i-32% ye-$ 4,980 elandelayo ye-AIME.
- Uthatha i-15% yantoni na ngaphaya kwe $ 4,980.
- Uphelele loo manani amathathu.
Isiphumo sakho seNkcitho ye-Intshurensi yasePrayimari, okanye i-PIA, isixa oya kufumana xa uqala izibonelelo kwixesha lakho elipheleleyo lomhlalaphantsi (FRA).
I-PIA yakho ijikelezwe kwi-dime ephantsi kakhulu, kwaye inani lakho lokuxhamla lijikelezwe kwi-dollar ephantsi. (Ngokuqinisekileyo i-PIA yakho ibalwa, ijikelezwe kwi-dime ephantsi kakhulu, ngoko nayiphi na inguqu yokunyuka kwamaxabiso isetyenzisiweyo.
Lelo nani lidibene ukuya kwi-dollar ephantsi. Ezinye zezi zinto zihlanganiswe kwisinyathelo esilandelayo.)
Uyakwazi ukubona amanqaku okuguqa okwangoku kunye neembali kunye neengongoma zonyaka okhoyo kwi-Bend Points Bend Points ikhasi lewebhusayithi yoKhuseleko loLuntu.
Ukuba awusekho 62, ukubalwa kwakho kwenzuzo kukukhawulelana nje, njengoko ungakayazi ukuba yintoni ekugqibeleni i-bend iphuzu lonyaka oya kuba ngu-62.
Ungasebenzisa izinga lokunyuka kwexabiso lokunyuka kwamaxabiso ekubhekiselele ekugqibeleni iminyaka ezayo yokuphuhlisa ukuvelisa ukulingana okuchanileyo.
Kwimizekelo etafileni apha ngasezantsi kweli phepha ungabona indlela inombolo ye-AIME (ebalwe kwisinyathelo esandulelayo) ifakwe kwikhompyutheni ye-bend yokubala i-PIA.
| Umzekelo usebenzisa i-AIME ye $ 4569 / ngenyanga | Imali ehlawulwayo yeNgeniso | Iqela | So njululwa |
|---|---|---|---|
| I-Bend 1 (ukuya kwi-$ 826) | 826 | .90 | 743.40 |
| I-Bend 2 (i-$ 4569- $ 826) | 3743 | .32 | 1197.76 |
| Ngaphezulu | N / A | .15 | 0 |
| Sum | 1941.20 | ||
| I-PIA Emva kwe-Rounding (ukuya kwi-dime esondeleyo kunye nedola) | $ 1,941 | ||
| Inzuzo kwixesha elipheleleyo lomhlalaphantsi (FRA) | $ 1,941 |
Ngaba i-PIA yakho ingayitshintsha emva kokuba ufikelele kwiminyaka engama-62?
Kukho izinto ezimbini eziya kuthintela i-PIA yakho emva kokufikelela kwiminyaka yobudala engama-62:
- Iintlawulo eziPhakamileyo - Imali kwiminyaka phakathi kweminyaka yobudala engama-62 ukuya kwe-70 ephakamileyo kunomnye wama-35 ophezulu umvuzo owawusetyenziswe ngaphambili kule fom izakutshintsha i-AIME esetyenziswa kwifom ye-PIA.
- Impembelelo - I-PIA yakho iya kutshintshwa yindleko yoLungiso lwezoLimo olubhekiselele kubantu abafumene inzuzo yeNtlalo yeNtlalo. Uyabona iindleko zembali yoLungiso lokuHlaliswa koBomi kwiwebhusayithi yoKhuseleko loLuntu.
*** Qaphela: oku akusilo utshintsho olufanayo olusetyenziselwa ukutsalathisa umvuzo wokunyuka kwamaxabiso.
Igama lokulumkisa: isizathu esona sizathu sokuba abantu bafumane impendulo engafanelekanga xa bebala izibalo zabo xa baqalisa ukuKhuseleko loLuntu kuba bathabatha amanani kwiinkcazo zabo kwaye abazisebenzisi ngokufanelekileyo ukulungiswa kwexabiso lentengo.
Inyathelo 3 - Lungisa i-PIA yakho malunga nobudala obuya kuqala
Isixa sokugqibela seNhlalakahle yeNhlalakahle yeNzuzo yomhlala-phantsi oyifumanayo isekelwe kwiminyaka uqala ngayo inzuzo.
- Okokuqala unokuqalisa izibonelelo zomhlala phantsi uneminyaka engama-62 ubudala (uneminyaka engama-60 ukuba unelungelo lomhlolokazi okanye umhlolokazi kwiholo lomntu oshonile okanye irekhodi lomlingane wangaphambili).
- Ufumana ngaphezulu ngokulinda kude kube yiminyaka emva ukuqala izibonelelo.
Ngokuqinisekileyo, enye ifomula eyinkimbinkimbi isetyenziselwa ukuchonga okungakanani. Ingcaciso ingezansi kwaye itafile ibonisa umzekelo wendlela osebenza ngayo.
Ixesha loKhuseleko loLuntu Uhlaziyo oluQala nge-PIA yakho
Imfomula iqala ngokusebenzisa i-Primary Assurance Isamba (PIA) ibalwa kwisinyathelo esedlule. Le yimalini oyifumanayo xa uqala izibonelelo yiNqanaba lakho lomhlalaphantsi elipheleleyo (FRA) . I-FRA yakho iyahluka ngokuxhomekeka kunyaka ozalelwe ngawo. Kubantu abazalwa phakathi ko-1943 no-1954, i-FRA yakho ineminyaka engama-66 ubudala.
** Qaphela ukuba uzalwe ngoJan 1, i-FRA yakho iya kusekelwe kunyaka owedlule. Umntu ozelwe ngoJan 1. 1.1955 uza kuba ne-FRA esekelwe ngo-1954.
- Ukunciphisa kusetyenziswa kwi-PIA yakho xa uqala izibonelelo phambi kwe-FRA yakho.
- Ikhredithi, ekubhekiswe kuyo njengetyala lokuthatha umhlala-phantsi, lisetyenziswe xa uqala izibonelelo emva kwe-FRA yakho.
Inkompo yokunciphisa xa uqala izibonelelo phambi kwe-FRA yakho
- 5/9 kwe-1%: Izibonelelo zakho zincitshiswa ngu-5/9 kwe-1% ngenyanga, ukuya kwiinyanga ezingama-36, kuye kuxhomekeke kwiinyanga eziliphi ude ufike kwi-FRA.
- I-5/12 ye-1%: Ukuba uneminyaka engaphezu kwe-36 ukuya kude ufikelele kwi-FRA, ukunciphisa oku ngasentla kusetyenziswe, kwaye ngoko kwenani leenyanga ezili-36 i-formula ifatshintshelwe ekunciphiseni kwe-5/12 ye-1%.
Isiphumo:
- Ukunciphisa u-25%: Ukuba i-FRA yakho ineminyaka engama-66 ubudala, oku kuthetha ukuba iinzuzo zakho ziya kuncitshiswa ngama-25% xa uqala ukuzithatha kwi-62 ubudala.
INgxowa-mali yokufumana inzuzo emva kwe-FRA
- 2/3 ye-1% ngenyanga, okanye i-8% ngonyaka: Ukuba uzalwe ngo-1943 okanye kamva, iinzuzo zakho ziya kwanda ngo-2/3 we-1% ngenyanga (8% ngonyaka) ngenyanga i-FRA yakho xa uqala izibonelelo. Iindleko zokusinda kumhlolokazi okanye umhlolokazi uya kudla kunye nalezi zikolo zokubambisa umhlalaphantsi.
Isiphumo:
- Ukongezwa kwe-32%: Ukuba i-FRA yakho ingama-66, oku kuthetha ukuba iinzuzo zakho ziya kunyuswa ngama-32% ngokulinda de ukuya ku-70 ubudala.
Iimpembelelo ezichaphazela njani i-PIA yakho
I-PIA yakho ibalwa kwiminyaka engama-62 ubudala. Ukuba ulinda kude kube neminyaka engama-62 ubudala, ngamnye kunyaka ongaphantsi kweminyaka engama-62 iindleko ezongezelelweyo zokulungiswa kokuphila ziya kufakwa kwi-PIA yakho. Ukunyuka kwenyuso kusekelwe kwi-2% yezinga lokunyuka kwamaxabiso kuboniswa kumzekelo ongezantsi kwicala lasekunene "kwi-PIA kwikamva elizayo le-2%". Inani elincinciweyo okanye elongezelelweyo inzuzo kwiminyaka eyahlukeneyo iboniswa ngakwesobunxele kwi "PIA kwiiDola zanamhlanje".
Ukuba sele sele uneminyaka engama-35 yemali yokufumana imali, kwaye usondele malunga neminyaka engama-62 namhlanje, isixa-mali esineminyaka engama-70 esiyibonayo kwi-Intetho yeNtlalo yezoKhuseleko iya kuphakama ngenxa yeendleko zokuguqulwa kokuphila. Abaninzi abakucingayo ngoku xa benza izibalo zabo kwaye oku kwenza ukuba bacinge ukuba kuthatha ukukhuselwa kweNtlalontle kusasa kukungcono, xa kuninzi kwiimeko (kodwa kungekho konke), ukulinda kukungcono.
| I-PIA kwiiDola zanamhlanje | I-PIA kwixesha elizayo le $ @ 2% | |||||
| Impembelelo | Inani ngeNyanga | Unyaka | Ubudala | # Iminyaka ukususela ngoku | Isixa | |
|---|---|---|---|---|---|---|
| N / A | N / A | 2013 | 60 | -2 | N / A | |
| N / A | N / A | 2014 | 61 | -1 | N / A | |
| Ngaphantsi | $ 1455.99 | 2015 | 62 | 0 | $ 1456 | |
| Ngaphantsi | $ 1553.06 | 2016 | 63 | +1 | $ 1584 | |
| Ngaphantsi | $ 1682.48 | 2017 | 64 | +2 | $ 1750 | |
| Ngaphantsi | $ 1811.90 | 2018 | 65 | +3 | $ 1923 | |
| PIA | $ 1941.32 | 2019 | 66 | +4 | $ 2101 | |
| Kaninzi | $ 2096.63 | 2020 | 67 | +5 | $ 2315 | |
| Kaninzi | $ 2264.36 | 2021 | 68 | +6 | $ 2550 | |
| Kaninzi | $ 2445.50 | 2022 | 69 | +7 | $ 2809 |