Funda ukuba iinjongo zeNgcaciso zeNtlalo zibalwe kwaye phi na ukufumana uqikelelo
Isizathu salo kukuba ukucinga ukuba banelungelo loKhuselo loLuntu, inzuzo yeNtlalo yeNhlalakahle isekelwe kwizinto ezimbini ezibalulekileyo:
- Bangakanani imali abayifumana ngexesha lokusebenza kwabo
- Unyaka abakhethayo ukuqala ukufumana izibonelelo
Imbali yakho yomsebenzi ichaphazela inzuzo yakho yomhlala-phantsi yomhlalaphantsi
Okokuqala nokuphambili, ukwenzela ukuba ufaneleke kwiintlawulo zomhlala-phantsi zomhlala-phantsi, wena okanye lakho iqabane (okanye umlingane wakho okanye umfazi oshonile) kufuneka ufumene ubuncinane ubuncinane bemali engama-40 ngaphezu komsebenzi wakho wokusebenza. Indlela ezo zibalo ezibalwe ngayo kunzima, kodwa ezininzi iingcali zemali zithi ufanelekile ukuba usebenze ubuncinane ubuncinane iminyaka elishumi, eyona nto ibingakanani ixesha elifunekayo ukuze ufumane loo matyala angama-40. Kodwa imbali yakho yomsebenzi ayisetyenziswanga kuphela njengenxalenye yemigangatho yokufaneleka, isetyenziselwa ukucacisa inani lemali epheleleyo yomhlalaphantsi.
Ekubaleni inzuzo yakho yenyanga yomhlala-phantsi, uMlawuli woKhuselo loLuntu (i-SSA) ucinga ngeminyaka yakho engama-35 eyimali yomsebenzi. Ukuba usebenze ngaphantsi kweminyaka engama-35, nangona kunjalo, uya kuba neminyaka apho i-SSA isetyenziselwa i-$ 0 ukuze uyifumane. Akumangalisi ukuba i-earnings yakho ephezulu kule minyaka engama-35, inzuzo enkulu yomhlala-phantsi iya kuba njengomnikelo omkhulu owenziweyo kule nkqubo ngeentlawulo zeFICA .
Qaphela, nangona kunjalo, ukuba kukho inkokhelo njengemali engenayo ngaphezu komda wonyaka awucingekanga kwiingeniso zakho zokubala .
Xa uqokelela uchaphazela izibonelelo zakho zokuthatha umhlala-phantsi wezeNtlalo
Inani elixhamliweyo elibalwe ngokusekelwe kwimbali yakho yokusebenza ithatha ukuba uthathe umhlalaphantsi kwixesha lakho elipheleleyo okanye umhlalaphantsi ohlala phantsi , oxhomekeke kulo nyaka owazalwa ngawo. Kwabo bazalwa ngo-1937 okanye ngaphambili, iminyaka yabo yokuhlala umhlalaphantsi (FRA) ingama-65. Kulabo bazalwa phakathi ko-1943 no-1954, i-FRA iya kuba neminyaka engama-66. Kulabo bazalwa phakathi ko-1955 no-1959, i-FRA i-66 kunye neenyanga ezimbalwa ngomnyaka wabo wokuzalwa. Umhlala-phantsi opheleleyo wokuthatha umhlala-phantsi kwabo bazalwa ngo-1960 kwaye kamva ngowama-67.
Inzuzo nganye ngenyanga ovumelekile ukuyifumana kwi-FRA yakho yinto ekuqwalaselwa ngayo inzuzo yakho epheleleyo, kodwa akusiyo ubuncinane okanye inzuzo eninzi ongayifumana.
Abahlala kumhlala-phantsi banakho ukhetho lokufakela umhlalaphantsi ngaphambi kobudala obudala kwiminyaka engama-62 kodwa banokukhetha ukulibazisa inzuzo yabo kude kube sekupheleni kweminyaka engama-70. Nangona kukho izizathu ezininzi zokuba umhlalaphantsi angakhetha ukuthabatha umhlalaphantsi okanye ukulibala, isiphumo eso sinempembelelo ngqo kwixabiso lentlawulo yenyanga. Ngokukhetha ukuhlala phantsi (naliphi ixesha eliphakathi kweminyaka engama-62 kunye ne-FRA), ukhetha inzuzo engaphantsi kwenyanga yobomi bakho bonke.
Ngokukhetha ukulibazisa inzuzo yakho kunoma yimuphi umda phakathi kwe-FRA kunye neminyaka engama-70 ubudala, uqinisekisa ngokuqinisekileyo ukunyuswa okusisigxina inani lembuyekezo yakho yenyanga.
Nangona inzuzo yakho iyanda minyaka yonke ngomhlalaphantsi ngenxa yeendleko zonyaka zokubonelela izibonelelo, ezi zinyusa zihlala zixhomekeke kwizibonelelo zakho zangaphambili. Ngoko ke, xa uthe wanciphisa inzuzo yokuqala yomhlalaphantsi, zonke iinzuzo zakho zexesha elizayo ziya kuba ziincinci kunokuba ubude ulibazise umhlalaphantsi kude kube yimihla yokuhlala phantsi okanye emva koko.
Indlela yokubala iNcedo lakho loKhuseleko loLuntu
Ukubala inzuzo yokuxhaswa komhlala-phantsi kwezeNtlalo akuyona into elula, yingakho i-Administration Security Administration (SSA) yenza ukuba abasebenzi bakwazi ukuhamba kwi-intanethi okanye bafonele kwaye bacele ukuqikelelwa kweenzuzo zoKhuseleko loLuntu (Ifomu le-SSA-7004) ngqo kwi-administration .
Olu qi kelelo luya kuba noqikelelo lwenzuzo yakho kwiminyaka engama-62, i-FRA yakho, kunye neminyaka engama-70 esekelwe kwimbali yakho yangoku. Ukongeza kwezi ngqikelelo, i-SSA ibuye ilandelelwaniso lwe-Social Security calculators kubandakanya "i-calculator fast" engakunceda ekucwangciseni umhlalaphantsi kunye noKhuseleko loLuntu.
Ufuna enye ithuluzi eluncedo elibonisa indlela yokwandisa iinzuzo zakho zoKhuselo loLuntu? I-AAR inikezela ukubala i-Social Security calculator eyokukunceda uqikelele iirhafu zakho zexesha elizayo kwaye unqume ibanga elihle lokubango zakho izibonelelo.
Iintlobo kunye neengxaki zokhuseleko loluntu oluzimeleyo .