Ingqwalasela yeNtsebenzo YemiSebenzi yoKhuselo loLuntu
Kwabaninzi baseMelika, iintlawulo zeNtlalo-ntle zibonelela ngamaphesenti ama-50 okanye ngaphezulu kwengeniso yabo emhlalaphantsi. Ngokufunda indlela ofanele ngayo inzuzo yeNtlalo yeNtlalo, unokwenza izigqibo ezinokukunceda ukuba uphumelele kwinkqubo.
Izinzuzo zoKhuseleko lwezeNtlalo zifumaneka kubantu abaninzi abasebenza kwaye bafumana inzuzo e-United States. Kukho iintlobo ezintathu eziphambili zeenzuzo; izibonelelo zomhlalaphantsi, iinzuzo zokukhubazeka, kunye nezinzuzo zokusinda.
Indlela yokulingana neNgcaciso yokuHlaliswa kweNtlalontle
Nangona usebenza kwaye ufumana imali engenayo, wena kunye nomqeshi wakho uhlawule iipesenti ezi-6.2 zemivuzo yakho kwinkqubo yoKhuseleko loLuntu. Ukuba usebenza ngokuzimeleyo, uhlawula zombini isabelo somqeshi kunye nesabelo sakho somqeshwa. Nangona uhlawula kwinkqubo ngelixa usebenza, imali yakho yokufumana umhlalaphantsi ayinqunywanga ukuba ungakanani na nomqeshi wakho. Kunoko, ezi zilandelayo zintathu ziqikelela ukuba uzakufumana phi:
- Kude kangakanani usebenza
- Unokufumana phi
- Yiyiphi iminyaka oyifayile kwiintlawulo
Makhe sibone indlela nganye yezi zinto ezichaphazela ngayo ukuba uza kufumana phi.
Ixesha elide osebenza ngayo
Ngelixa usebenza kwaye ukhokhela kwinkqubo yoKhuseleko loLuntu uqokelela "iikrediti." I-kredithi iyalingana nekota enye yekhalenda yomsebenzi. Ukuze unelungelo lokufumana umhlala-phantsi wezeNtlalontle, kufuneka ube neekredithi ezingama-40 okanye iminyaka engama-10 apho uhlawule khona kwinkqubo yoKhuseleko loLuntu. Unako ukufumana ama-kredithi amane ngonyaka ngokufumana i-$ 5,200 ngeminyaka (le mali ingama-2017 kwaye ilungisa unyaka ngamnye ngokusekelwe kumanani emali).
Iminyaka engama-35 ephezulu yemvuzo isetyenzisiweyo ekubaleni okubonisa inani lakho lokufumana umhlala-phantsi, ukwenzela ukuba ufumane ezinye iinzuzo, qiniseka ukuba uneminyaka eyi-35 epheleleyo apho usebenza khona kwaye uhlawula kwinkqubo yoKhuseleko loLuntu.
Qaphela: Baninzi abaqeshi baseburhulumenteni abanesistim yabo sokuthatha umhlalaphantsi kwaye xa kuqeshwe yi-arhente awuyihlawuli kwiNtlalo yoKhuseleko, kwaye ngoko ke umsebenzi wakho wale arhente awunakulinganisela ukuqokelela iintlawulo zeNtlalo. Oku kudla ngokuchaphazela abasebenzi beposi, ootitshala nabanye kwiinkqubo zemfundo, abacimi bomlilo kunye nabasebenzi bokuthotyelwa komthetho.
2. Unokufumana phi Uninzi
Iphakamileyo yakho yemali, imali ephezulu yokufumana umhlalaphantsi iya kuba, kodwa kukho ikhefu. Ukhuseleko lweNtlalo lusetyenziswe ukubuyisela inzuzo engaphezulu kunomthengi omncinci kuneemali eziphezulu, ngoko unyaka ngamnye uhlawula kwinkqubo kuphela ukuya kwisixa semali ehlawulwa njengeSiseko soKhuseleko lweNtlalo, eyi-127,200 $ ngo-2017. ngokusekelwe kwixabiso lentengo.
Ukuba ufuna ukubona ukuba uneminyaka emininzi yemali oyifumanayo kwinkqubo yoKhuseleko loLuntu, khangela kwi-Intetho yakho yeNtlalo, oya kufumana yonke iminyaka emihlanu ukususela kwiminyaka eyi-25 ukuya kwiminyaka engama-60. I-Akhawunti Yokhuseleko online.
3. Ubudala Ubungenayo Izibonelelo
Unokufaka izicelo zempesheni yomhlala-phantsi uneminyaka engama-62 ubudala, kodwa ufumana imali ephezulu xa unalinda ude uneminyaka engama-70 ukufaka ifayile. Ngokuchanekileyo kangakanani ufikelela kwiliphi iminyaka ubudala kuxhomekeke kwiminyaka yakho yokuhlala umhlalaphantsi (FRA) eyahluka ngonyaka wokuzalwa. Kwabo bazalwa ngoJanuwari 2, 1943, okanye emva koko i-FRA yakho iya kuba ne-66 ukuya kwi-67 yobudala.
Ukuba ufaka phambi kokuba ufumene i-FRA, kwaye uqhubeka usebenza, inxalenye yezibonelelo zakho iya kugcinwa ngenxa yento ebizwa ngokuba ngumyinge wokuzuza . Emva kokuba ufikelele kwi-FRA, umda wokufumana umvuzo awusebenzi. Ukuba utshatile kwaye unakho inzuzo ephezulu yeNtlalontle ngaphandle kweqabane lakho, ubudala obubakho buya kuba nefuthe kwiinzuzo zomntu osindayo.
Ukubeka konke oku kunye, unako ukufumana imali ephezulu kakhulu ngokusebenza kunye nokuhlawula kwinkqubo iminyaka engama-35, ufumana i-Social Security Wage Base unyaka ngamnye, kwaye ulinde uneminyaka engama-70 ukuqala izibonelelo zakho.
Izinzuzo Zokukhubazeka Zentlalo
Inkqubo yokukhubazeka kweNtlalontle injongo yokufihla ukukhubazeka kwexesha elide elindeleke ukuba liphele unyaka omnye okanye ngaphezulu okanye kulindeleke ukuba kubangele ukufa. Akusiyo iprogram yokukhubazeka kwexesha elifutshane kwaye akunakukufihla ukuba ungasebenzi emsebenzini kwiiveki okanye kwiinyanga ezimbalwa ngenxa yokugula okanye ingozi.
Ukuze ube nokufaneleka kwezibonelelo zokukhubazeka, kufuneka usebenze kwaye uhlawule kwinkqubo kwaye uqokelele inani elincinci lemali-mboleko efunekayo ngokusekelwe kwiminyaka yakho, kwaye kufuneka udibane nencazelo ye-Social Security ye-disabled.
Iimfuno ezincinci ezifunekayo zokukhubazeka
Inani leemali-mboleko ozifunayo ukufumana izibonelelo zokukhubazeka kuxhomekeke kwiminyaka yakho. Ukuba ukhubazekile kwiminyaka engama-24 kufuneka ube neenkcitho ezi-6 ezifunyenwe kwiminyaka emithathu phambi kokukhubazeka kwakho, kwaye ukuba ukhubazekile kwiminyaka engama-50 kufuneka ube neekredithi ezingama-30 ezipheleleyo, kunye nama-20 kuwo athola iminyaka phambi kokukhubazeka kwakho. Iwebhsayithi yoKhuseleko loLuntu inikezela itafile ebonisa ukuba ungaphi na ama-credits oyifunayo kwixesha ngalinye.
Inkcazo yokukhubazeka
Ngaphambi kokuba ufumane inzuzo yokukhubazeka, kufuneka udibane nencazelo ye-Social Security ye-disabled. Ulawulo loKhuselo loLuntu luhlinzeka uludwe olubanzi lwezinto eziyimpembelelo kwaye lichaza indlela abavavanya ngayo ukuba ukuphazamiseka kukuhlangabezana neendlela zokukhubazeka kwexesha elide. Ngokuqhelekileyo, ukukhubazeka kwakho kukuthintele ukwenza umsebenzi owenzileyo ngaphambi kokukhubazeka kwakho, kwaye kufuneka kukuthintele ukulungelelanisa uhlobo oluthile lomsebenzi.
IiNzuzo zoLondolozo lwezeNtlalo
Ukuze abo basindileyo bakwazi ukufumana inzuzo ekufeni kwakho, njengokuba kukho nezinye iintlobo zentlawulo, kufuneka usebenze kwaye uhlawule kwinkqubo yoKhuselo loLuntu.
Inani lemali-mboleko efunekayo kuxhomekeke kwiminyaka yakho ekufeni. Umthetho okhethekileyo uvumela abo basinda kubasebenzi ukuba banelungelo lokufumana izibonelelo ukuba umqeshwa unesibhozo esithile semisebenzi emithathu kwiminyaka emithathu ngaphambi kokufa.
Kukho iintlobo ezimbini eziphambili zeNgcaciso zeNtlalo:
- Izinzuzo ezihlawulwe kwiqabane lakho ngomhlalaphantsi
- Izinzuzo ezihlawulwayo xa unabantwana abancinci okanye abanye abaxhomekeke kumntwana onokukhubazeka umntwana okanye umzali oxhomekeke kuye
1. Iingenelo zokuHlala koMhlala-phantsi kumntu oMtshatileyo
Ukuba wena kunye nomlingane wakho sele nisamkela iingeniso zomhlalaphantsi, xa usweleka, iqabane lakho (ukuba utshatile ubuncinane iinyanga ezilisithoba) liya kuqhubeka nokufumana inkulu yakho inzuzo okanye eyakho. Ukuze iqabane elingasebenzi, lo mntu uphumelele uncedo kubalulekile. Ukuqinisekisa ukuba umlingane ufumana inzuzo ephakamileyo kunokwenzeka ukuba kunokuba kunengqiqo ukuba umntu ofumana imali ephezulu ukulibazise ukuqala kwenzuzo yabo kwiminyaka engama-70 ubudala.
Ukuba awuzange uqalise izibonelelo zakho, imigaqo malunga nokuba umlingani ohlalayo unokufumana njani kunzima, kodwa ngokuqhelekileyo, ukuba ufumene iikhredithi ezanele ukufumana umvuzo wokuthatha umhlala-phantsi, umlingane ophilayo uya kuzuza apho baqala khona xa beneminyaka engama-60 ubudala.
Ukuba unomtshato ongaphambili ongaphantsi kweminyaka elishumi ubude, umlingane owayesakuba ngumlingane naye unelungelo lokufumana inzuzo kunye nabasifakile kule ntlawulo ayichaphazeli inzuzo apho iqabane elikhoyo okanye omnye umntu oxhomekeke kuyo.
Kukho iimbalwa ezimbalwa apho iqabane elisindalayo lingafumana inzuzo ngaphambi kweminyaka engama-60; umzekelo, umlingane okhubazekileyo unokukwazi ukufumana izibonelelo ezinokusukela kumntu oneminyaka engama-50 ubudala, kunye nomlingane osindayo nawuphi na ubudala onyamekela umntwana wakho ongaphantsi kweminyaka eyi-16 unokufaneleka.
2. IiNzuzo zokuPhepha kwabaseleyo
Iintlawulo zokusinda zingahlawulwa kwiintlobo ezintathu zabantu abaxhomekeke kuyo; abantwana abancinci (ngaphantsi kweminyaka eyi-18, okanye ukuya kwi-19 ubudala ukuba beya esikolweni esiphansi okanye esikolweni esiphakeme), umntwana okhubazekile ngaphambi kokufikelela kwiminyaka eyi-22 okanye umzali oneminyaka eli-62 okanye ngaphezulu.
Ukuba wena okanye umntu omaziyo ucinga ukuba unokufumana inzuzo yoLuntu loKhuseleko loLuntu, kukulungele ukuqhagamshelana noLawulo loKhuseleko loLuntu kwi-intanethi okanye ngokutyelela iofisi yakho yoKhuseleko loLuntu.
Iintlobo kunye neengxaki zokhuseleko loluntu oluzimeleyo .