Uluphi Umdala Ongaqala Ngayo Inzuzo Yakho Yokhuseleko Lentlalo ?
- Unako ukuqokelela uncedo lwamaxhoba ngenyanga emva kokuba uneminyaka engama-60 ubudala, kodwa ngeli nqanaba uza kufumana kuphela i-70% yemali onokuyifumana xa ulinda de kube ngumntu osindayo ohlala phantsi umhlalaphantsi (oneminyaka engama-66 kubantu abazalwa ngo-1945- Ngowe-1956 kwaye kuya kukhula ngokunyuka ukuya kuma-67 kubantu abazalelwa ngo-1962 okanye kamva.) Qaphela: iminyaka yobudala yokuhlala umhlala-phantsi ukuze ufumane ilungelo lokusasaza usebenzisa usuku oluhlukileyo lwetafile yokuzalwa kuneminyaka epheleleyo yokuthatha umhlalaphantsi ukuze ufumane ilungelo lokuthatha umhlalaphantsi.
- Ukuba ukhubazekile, unokuqokelela inzuzo yolondolozo lwezeNtlalo xa useneminyaka engama-50 ubudala.
- Unokuqokelela nanini na uneminyaka ukuba unakekela umntwana womntu oshonile oneminyaka engama-16.
- Unokuqokelela ngokukhawuleza ukuhlawulwa kwentlawulo yexesha elilodwa ye-$ 255 nanini na.
Basics Benefit Beneics
Inzuzo yokubala ixhomekeke ekubeni wakho okanye wakho umlingane uye waqala ukufumana izibonelelo. Nantsi iziseko ezisetyenziswayo:
Ababini abangazange baqalise izibonelelo okwangoku - Unako ukwandisa inzuzo eyasindayo efumaneka ngokuba ngumntu ophezulu kakhulu wokulinda kuze kube yiminyaka engama-70 ukuqala inzuzo yeNtlalo yeNtlalo . Idala inani elixhamlayo lenyanga lokuxhamla eliba ngumntu osindayo xa inxaxheba xa iqabane lokuqala lidlulayo.
Ukuba wena kunye nomlingane wakho sele sele sele uqale ukubiza- Ixabiso eliphezulu lexabiso liba ngumntu osasalayo, kwaye ixabiso elincinci leemali ezixhamliweyo liya kunqunyulwa.
Ukuba umlingane wakho oshonile (okanye umlingane naye) wayeqale ukufumana iingenelo, kodwa wayengazange - Uza kuba nokukhetha okunye malunga nokuba ufunayo umntu osindayo. Kwiimeko ezininzi, olu khetho lunokwenziwa ngendlela enokukunika imali engenayo yokuphila. Kuxhomekeke kwiminyaka apho uqala khona inzuzo.
Uza kuzuza phi?
Inani langempela lemali leedola eliyifumana liya kuxhomekeka kwimali eninzi (umvuzo ophantsi kweentlawulo zentlawulo yeNtlawulo yeNtlalo) lakho iqabane okanye umlingane owayengumlingani owenziwe ngaphezu kobomi babo. Isitatimende seNtlalo soKhuseleko loLuntu sinikeza ubungakanani bemivuzo yabasindayo.
Ngezantsi zikho izikhokelo zokusebenzisa ukukunceda ukuba uqikelele ukuba ungakulungeleka njani ukuba usindiswe.
Akukho namnye kuwe owaye waqala izibonelelo
- Ukuba akukho namnye owe waqalisa izibonelelo ngoku, kwaye ulinde de kubekho umhlala-phantsi ohlala phantsi umhlalaphantsi (mhlawumbi uneminyaka yobudala engama-66 okanye 67) okanye ngaphezulu ukuba afake isicelo sokuba umhlolokazi wakho / umhlolokazi wakho , uya kufumana ipesenti zomyinge womntu oswelekileyo. Kuthetha ukuba bafanelekile ukufumana i-$ 1,650 ngenyanga ngenyanga yobudala bemhlala-phantsi, uza kufumana i-$ 1,650 ngenyanga ngokulinda kude kube yithuba lakho lokuhlala phantsi.
- Iintlawulo zeMsindisi ziquka umphumo wokubambezeleka kwezikweletu zomhlalaphantsi . Kuthetha ukuba umfazi oshonile sele sele ephele iminyaka engama-66 okanye engama-67 kwaye engazange aqalise ukuthatha i-Social Security (bangakwazi ukulibaziseka kude kube seminyaka yobudala engama-70), kunokubangela ukuba umntu osindayo azuze ngakumbi kunokuba ayifake ngaphambili. Unokufumana oko bekuza kufumana kuloo minyaka.
Ukunciphisa kwiNzuzo
- Unokufaka isicelo soNcedo lweNhlalakahle yolondolozo lweNtlalo emva kweminyaka engama-60. Ukuba ufaka phakathi kweminyaka yobudala engama-60 kunye nomsindisi wakho ohlala kumhlalaphantsi, uza kufumana phakathi kwengu-71 ukuya kwe-99% yomlingane wakho osweleyo osisiseko. (Isixa semali esikwiinyanga nganye osondeleyo kwixesha lakho lokuhlala umhlalaphantsi.)
- Ukuba uqokelela umntu osindayo kwaye ungeke ufikelele kwiminyaka yobudala yomhlalaphantsi, ungalahlekelwa ezinye zezibonelelo zakho ngokusebenza. Kwenzeka ntoni ukuba umvuzo wakho ungaphezulu kwemilinganiselo yokufumana .
Wena okanye Umlingani Wakho Waqala Ukuzuza, okanye Unakekela Umntwana Osemncinci
- Xa wena kunye neqabane lakho nisamkela iintlawulo zeNtlalo, emva kokufa kweqabane lakho, uya kuqhubeka nokufumana enkulu inzuzo yakho-okanye iqabane lakho-kodwa kungabini bobabini.
- Ukuba iqabane lakho liqalise iingenelo, kodwa ungekho, unokukhetha ukuqokelela umntu osindayo ngoku ngokunceda, utshintshe kwi-benefit yakho kwiminyaka engama-70 ukuba inzuzo yakho iya kuba yinto enkulu kunoko.
- Ngaliphi na iminyaka, ukuba unakekela umntwana oneminyaka engama-16 ubudala, uya kufumana ipesenti ezingama-75 zomntu osweleyo.
Iingenelo ze-Ex-Spouses
- Ukuba ungumntu owayekade usatshatanga naye kodwa utshatile ubuncinane ubuncinane iminyaka elishumi ufanelekile ukuba umntu osindayo azuze inzuzo-nangona ukuba umtshato wakho wesibini waseshada.
Xa Ufanele Ufune Ubungqina Bokusinda?
Kwabahlolokazi, Abafelokazi kunye nabanye abaPhezulu kwiphepha lewebhu leNgcaciso yeNtlalo ithi, "Kukho ukungalungi kunye neenzuzo zokuthatha abo basindileyo ngenzuzo ngaphambi kokuba uhlala phantsi ngokuhlala phantsi." Inzuzo kukuba uqokelela inzuzo ixesha elide. inzuzo yakho yokusinda inokuncitshiswa. "
Uninzi lwawo luyakulungele ukuqokelela ulondolozo lwabasindayo kwaye xa ufikelela kwiminyaka engama-70 ungatshintshela kwingeniso yakho yomhlala-phantsi ukuba lakho liza kuba likhulu kule nqanaba. I-ofisi yoKhuseleko loLuntu ingenakukubonisa oku kuwe - kodwa unokwenza.
Esi sigqibo sinempembelelo epheleleyo. Ukuba umgomo wakho kukunciphisa umngcipheko wexesha elide, okuyiyo mngcipheko wokukhupha imali yakho, uya kufuna ukucwangcisa icebo elikunika ixesha elininzi lokufumana imali. Ngamanye amaxesha oku kuthetha ukuba awuyi kuqali ngokukhawuleza inzuzo, nokuba ngaba ufanelekile. Ukuba ulinde ude u-66 okanye u-67 uze ufumane ngaphezulu, ngoko ukuba uhlala ixesha elide kunexesha lokuphila lobomi, oku kuya kubangela ekunikezeni imali ephezulu yokuhlawula kwi-Social Security ngexesha lakho lobomi.
Amadokhumenti Okufuneka Unokumangalela I-Social Security Survivor Benefit
Xa ufaka isicelo seNgcaciso yeNtlalo yeNhlalakahle uya kulufuna ukuthabatha amaxwebhu alandelayo:
- Ubungqina bokufa-mhlawumbi ukusuka kumngcwabo okanye kwisiqinisekiso sokufa;
- Inombolo yakho yoKhuseleko loLuntu, kunye nabasebenzi abafayo;
- Isatifikethi sakho sokuzalwa;
- Isiqinisekiso sakho somtshato, ukuba ungumhlolokazi okanye umhlolokazi;
- Amanani oKhuseleko lweNtlalo yabantwana, ukuba kukho, kunye neziqinisekiso zokuzalwa;
- Iifom ze-W-2 zomntu osweleyo okanye ukubuyiswa kwentlawulo yerhafu yokuqeshisa komsebenzi wonyaka wokugqibela; kwaye
- Igama lebhanki yakho kunye nenombolo yakho ye-akhawunti ukwenzela ukuba izibonelelo zakho zinokufakwa ngqo kwi-akhawunti yakho.