Abantu abatshatileyo kufuneka bajonge ixesha lokuphila elidibeneyo kunye nefuthe kumsebenzi womtshato kunye nabasindayo ukwenzela ukuba inzuzo inokubangela iinqununu. Nazi izinto ezifanelekileyo ukugcina engqondweni xa usenza isigqibo sokuba uza kuthatha iNkxaso yoLuntu njengesiqabane esitshatileyo.
1. Ulungelelwano lweNtsapho kunye neNzuzo yokuSinda
Umntu otshatileyo unokucela izibonelelo kwi-rekhodi yakhe yokufumana ingxelo, kodwa kwiimeko ezininzi unokubongoza inzuzo kwingxelo yomlingani wakhe, ebizwa ngokuba yinzuzo yomtshato . Inzuzo yomtshato iyinzuzo enkulu kubafazi abangasebenziyo okanye abatshatileyo abanemali ephantsi kwiminyaka emininzi. Njengazo nayiphi na inzuzo yeNtlalo yeNhlalakahle, umntu unokufakela iintlawulo zomntu oseneminyaka engama-62 kodwa uza kufumana inani elincinciweyo elincinciweyo lokuphila ngokufakela kwangaphambili.
Umntu unokuthi afune inzuzo kwixhoba lomntu oshonile. Umntu osindayo unokuthi uncedo lokunciphisa inzuzo emva kokudala kweminyaka engama-60; nangona kunjalo, baya kufumana ngaphezulu xa bekulinda kude kube ngumhlalaphantsi wabo ohlala phantsi (FRA) ngaphambi kokubango.
Xa bobabini bomtshato befumana iinzuzo, ekufeni komlingane wokuqala, kuphela ukuphakama kweemali ezimbini ezifunyenweyo ziqhubekayo njengenzuzo yokusinda. Oko kuthetha ukuba kubaluleke kakhulu ukuba izibini ezitshatileyo zenze uncedo lwabafundi abaphezulu. Oko kuza kuba ngumntu osindayo.
Ngokubhenela kwangaphambili, isibini esitshatileyo senza isigqibo esiya kulimaza umlingane omdala.
2. Impembelelo yoNtsapho kunye neNzuzo yokuPhepha kwiZibini eziManyeneyo
Kukho inzuzo yokuba ne-spouse-benefit benefit couple couple-earner couple. Ukuba uzalwe ngoJanuwari 1, 1954, okanye ngaphambili, umvuzo ophezulu kunabo bonke abanokufumana izibonelelo zomtshato xa befikelela kwi-FRA, beshiya inzuzo esekelwe kwirekhodi yakhe yokuqokelela iimboleko zokuthatha umhlala-phantsi ngenxa yokumiswa. Lo mlingane ozuzayo uphendukela kwintsebenzo yabasebenzi malunga no-70 ubudala. Lo mzekelo uthatha iifayile eziphantsi ezenzelwe inzuzo yabasebenzi ngokusekelwe kwingxelo yabo yokufumana imali phakathi kweminyaka eyi-62 kunye ne-FRA.
Eli bango ngoku, ibango ngaphezulu emva kokucwangciswa kwesiqili kwisithuba esiphezulu sabantu abasindayo bancedwa nokuba yeyiphi na indoda ede kakhulu ehlala kuyo. Xa inzuzo yabasindileyo ithathwa ingqalelo, isibini esineziphumo ezimbini siyakufumana ukuba kunenzuzo ukulibaziseka izibonelelo zomntu ophezulu kwaye uqale ukuqokelela iintlawulo kwangaphambili ukuba iqabane lihlawulwe ngenyanga.
Emva kokufa komntu ophakamileyo, umlingane osezantsi uya kutshintshela kumlinganiselo ophezulu wokuxhamla. Ngamanye amagama, isigqibo sokulibaziseka inzuzo ye-earner's higher is based on the life of the second spouse to die.
Oku kwandisa inzuzo yexesha elizeleyo lokubambisa isibini esithile apho omnye umlingane angalindela ukukhupha omnye. Kulingana nokuthenga isibini-sokufa okanye i-joint-life annuity.
Ngokufanayo, isigqibo malunga nokuba umcebisi ophantsi kufuneka aqale ukubiza izibonelelo njani ixesha lokuphila lomlingani wokuqala ukuba afe. Izinzuzo ezisekelwe kwingxelo yomgcini ophantsi kuya kuphela kudlule umtshato wokuqala.
Ngelishwa, imithetho emitsha yoKhuseleko lweNtlalo eyadluliselwa ngo-Novemba ka-2015 kuthetha ukuba kuphela abo bazalwa ngomhla ka-1 kuJanuwari 1, 1954, banokuthi bafumane umvuzo wokutshata xa beqhubeka nokuvumela ukuba inzuzo yabo iqokelele iikhredithi.
Kulabo bazalwa ngoJanuwari 2, 1954 okanye kamva, kusekho inzuzo yokuba nexesha elide lokulibaziseka - awuyi kukwazi "ukudibanisa kabini" kwaye uqokelele iinzuzo zomtshato xa ulinde uneminyaka engama-70.
3. Imirhumo yoKhuselo loLuntu
Enye into ebenganyanzelwanga ngamagama angatshatanga kwaye atshate ngokufanayo yimpembelelo yentlawulo. Imali engenayo yomhlala-phantsi kufuneka ibonwe kwisiseko serhafu emva kwentlawulo. Kwincwadi yakhe, incwadi ye- A Social Security Owner , i-Jim Blankenship, i-CFP ® , inikeza umzekelo omhle apho ubonisa iziphumo zerhafu emva kokuthatha i-Social Security ekuqaleni kwaye i-IRA ihoxise emva kweendinyana ezenza okuchasene ngqo, eziza kulibazisa ukukhuseleka koLuntu kwaye endaweni yokusebenzisa imali ye-IRA kusasa. Isiphumo sokulibazisa ukuKhuselwa koLuntu kunye nokusebenzisa imali ye-IRA kuqala: ii-64,000 zamaRandi ezingeniso yerhafu emva kweerhafu kunye ne-179,000 yeebhanki ngaphezulu kwebhanki emva kweminyaka engama-28 ngomhlalaphantsi. Oku akusiyo inguquko ye-chump. Imirhumo. Esi sicwangciso asisebenzi kulabo abaneempesheni ezinkulu, kodwa abo bangenawo umhlalaphantsi okanye umhlalaphantsi omncinci, kunokukunceda imali yakho yomhlala-phantsi ibe yinto eninzi kuwe.
4. Musa ukulibala malunga ne-Test Test
Ukuba uceba ukusebenza phakathi kweminyaka engama-62 kunye ne-FRA ulinde uze u-FRA yakho iqale izibonelelo. Ngoba? Uvavanyo lwempatho luyakuchaphazela ukuba uqhubeka ufumana imali engenayo kwaye ufumane inzuzo yeNtlalo yeNtlalo phambi kokuba ufike kwi-FRA yakho. Kwimeko enjalo, iinzuzo zakho zoKhuseleko loLuntu ziya kuncitshiswa ukuba umvuzo wakho uwonke ungaphezu komda wonyaka. Ukuba unemiyanga ethile apho umvuzo wakho uphakeme ngokwaneleyo ukuba awuthathwa njengokuba "uthatha umhlalaphantsi" kunokuba izibonelelo zakho zingabalwa kwakhona xa ufikelela kwi-FRA yakho, kodwa kunokuthatha iminyaka eyi-13 ukuya kwe-14 ukubuyisela imali zi valiwe.
5. Bala, Emva koko ubango
Akukho sizathu sokuqiqa malunga nexesha elifanelekileyo lokuthatha iinzuzo zakho zoKhuselo loLuntu. I- Calculator Social Security calculators iya kwenza inombolo ye-crunching kuwe kunye neqabane lakho, kwaye ibonise ukuba yeyiphi iqhinga elibango liya kubangela inzuzo ebomini kwisibini esitshatileyo. Ayikho indlela endingayicinga ngayo ngokucetyiswa ngeCandelo loKhuseleko loLuntu leNkcazo yesiqabane esitshatileyo ngaphandle kokuqhuba iziganeko zabo ngokukodwa ubuncinane kwi-calculator ye-Social Security Calculator.