Funda indlela zakho iingeniso ezibalwe kwisicwangciso sabasebenzi bezitroli
Abasebenzi basemotshini abathatha inxaxheba kwiKhuseleko loLuntu. Kunoko, bakhokhela irhafu ephezulu kunabasebenzi abaninzi abakhokhela irhafu yentlalo, kwaye ezo ntlawulo zisetyenziselwa ukuxhasa iingxowa-mali zokuhlala zomhlalaphantsi kunye nokuxhasa i-trust trust, eyenza ukubuyisela isikhwama somhlala-phantsi.
IBhodi yeRhafu yeRhafu (RRB) kunye noLawulo loKhuseleko loLuntu lijongene neenkqubo zeCwangciso soMhlala-phantsi. Nangona amabhunga amabini alawulayo ahlukeneyo, asebenzisana ekutholeni iinzuzo zomntu.
I-National Railroad Retirement Investment Trust inika imali engaphezulu kwaye isebenzisa iirhafu zokuhlawula imali yokufumana umhlalaphantsi.
Izinzuzo phantsi koCwangciso loPhulo lomhlalaphantsi
Isicwangciso soMhlala-phantsi seTransport inikezela emibini yentlawulo. Inqanaba 1 lenza iintlawulo ezisisiseko zomhlalaphantsi, ngelixa iNqanaba lesi-2 lihlawula imali eyongezelelweyo yokuthatha umhlalaphantsi ngokusekelwe kubude beenkonzo.
Isibonelelo semali yomhlala-phantsi yenyanga yomhlala-phantsi kubo bonke abasebenzi baseburhulumenteni abasethathe umhlala-phantsi ngoku ngaphezu kwe-2,625. Kuba ngabafazi, inzuzo engaphezulu kwama-975.
Kukho amacandelo amabini kwiSicwangciso soPhulo lomhlalaphantsi, esingakunceda ukubala izibonelelo zakho.
Umgangatho woku-1 unikeza abasebenzi iikhredithi ezisisiseko, ezingasetyenziselwa kuzo zombini iinkqubo zoLondolozo lwezeMpilo kunye nezeNtlalo.
Isebenzisa iifomula zoKhuseleko lweNtlalo ukubala iintlawulo kumhlalaphantsi, kodwa isebenzisa iminyaka engama-Retirement Retirement kunye namaxesha enkonzo.
Esi sicwangciso sifumaneka kubahlala phantsi abaye banceda ubuncinane iminyaka eyi-10 kunye nabathathe umhlala-phantsi abakhonza ubuncinane iminyaka emihlanu ngo-1995.
Abathathe umhlala-phantsi ubuncinane ubuneminyaka engama-30 benkonzo banelungelo lokuhlawulwa ngokupheleleyo kwi-60 yobudala.
Abathathe umhlalaphantsi abaneminyaka engaphantsi kwe-30 benkonzo banelungelo lokuhlawula i-annuities kwiminyaka engama-62 kunye neenzuzo ezipheleleyo kwi-65, 66 okanye i-77, kuxhomekeke kunyaka wokuzalwa.
Isicwangciso sesi-2 sibavuza abasebenzi baseburhulumenteni ukwenzela inkonzo eninzi. Izibonelelo ezongezelelweyo zifana neepenshini ezinikezwa kwamanye amashishini.
Esi sicwangciso sifumaneka kubahlala phantsi abahlangabezana neemfuno zeminyaka kunye neenkonzo zengqesho yomhlalaphantsi ka-1 kwaye basebenze ezinye iinyanga ngaphaya kweenyanga eziqhelekileyo ezigqityiweyo zomsebenzi woololiwe. Umgangatho wesi-2 ufumaneke nakumaziko ahlala phantsi agcina uxhulumano lwangoku kwishishini loliwe. Imfuno zoxhumano zangoku zibandakanya ukusebenza ubuncinane kwiinyanga ezili-12 kwiinyanga ezingama-30 zokugqibela ngaphambi kokubango.
Abathatha umhlala-phantsi bangafumana iikhredithi malunga neenyanga ezili-12 zenkonzo kwinkqubo yekhalenda.
Ubume boKhuseleko loLuntu kunye neNzuzo yeRhafu yomhlalaphantsi
Abathathe umhlala-phantsi abafanelekile kwiintlawulo zoKhuseleko lweNtlalo kufuneka baxoshe ezo ntlawulo ngokumalunga ne ngeniso evela kwiSicwangciso soMhlala-phantsi.
Nangona kunjalo, iSicwangciso soMhlala-phantsi soThutho sihlawulela ukunciphisa oko kuthethwa ngokuba yi-"benefit benefit", engama-75% wesheke somhlalaphantsi. Oku kuhlawulwa ngokungaphezulu komhlala-phantsi womhlalaphantsi. Abathathe umhlala-phantsi kuphela abaqeqeshelwa izibonelelo ezimbini ngaphambi kowe-1975 kwaye abahlangabezana nezinye iimfuno banelungelo lokufumana le nzuzo.
Kukho iingenelo kule nkqubo:
- Abasebenzi basemotweni abaye baqeshwa kwamanye amashishini ahlawula kwinkqubo yoKhuseleko loLuntu angadlulisela izikwereti zabo zoThutho, umvuzo kunye neerhafu kwinkqubo yoKhuseleko loLuntu.
- Abathathe umhlala-phantsi banakho ukufumana imali yokubuyiselwa kwemali kwi-Social Security. Aba bathathe umhlala-phantsi kufuneka bahlawule irhafu kwiisistim zombini ngelixa besebenza ngexesha elithile phakathi ko-1951 no-1974. Ukubuyiselwa kwentlawulo yerhafu yeNtlalo kuhlawulelwa njengesixa semali esisodwa.
Izibonelelo zomhlala-phantsi zingadluliselwa kwabatshatileyo, abafazi abaqhawule umtshato, abahlolokazi, abahlolokazi, abantwana kunye nabazali babasebenzi abafayo. Ukuze amalungu omndeni afaneleke, umntu kufuneka asebenze kwishishini loliwe ngomhla wokuthatha umhlalaphantsi okanye ukufa.
- Intlawulo yomhlala-phantsi yomhlalaphantsi ikhula ngonyaka ngamnye ngeendleko zokulungiswa kokuphila.
Ewe, kukho nezinye izinto ezingonakaliyo:
- Imimiselo kaRhulumente inqanda abasebenzi baseburhulumenteni ukuba bafumane inzuzo epheleleyo kwiinkqubo zoLondolozo lwezeMpilo kunye neNtlalo. I-checktratirement retrait ikhupha nayiphi na imali ukuya kwisixa eso sokuthatha umhlalaphantsi singakufanelekela ngoKhuseleko loLuntu.
- Abathathe umhlala-phantsi abafumana ipensheni evela kwamanye amabutho karhulumente wase-US, imibutho engenzi-nzuzo kunye noorhulumente bamanye amazwe emva ko-1985 baya kuncitshiswa inqanaba labo. Isixa esiqhelekileyo asikho ngaphezu kwesiqingatha somnye umhlalaphantsi.
Kuphi ukufumana ulwazi olongezelelweyo
Unokufumana ulwazi loqhagamshelwano kwiiofisi zee-ofisi zaseburhulumenteni ze-Railroad Retirement ngokusebenzisa i-locator ye-RRB okanye u-877-772-5772.
Ngaphantsi
Inkqubo yokuRhola umhlala-phantsi ingadideka, ingakumbi ukuba usebenzele umqeshi ongeyena umzila wezithuthi kunye neenzuzo zeNtlalo yeNtlalo. Nangona kunjalo, iinzuzo zinokuba lukhulu xa ziqhathaniswa noKhuseleko loLuntu.
Ulungiswe nguScott Spann