Uninzi loKhuselo loLuntu olunokuba lunjani umhlolokazi okanye umhlolokazi?
Kubahlolokazi nabahlolokazi abaninzi, kukho iindlela zokufumana izibonelelo eziphezulu, kodwa kufuneka ukwazi imithetho. Abahlolokazi abaninzi nabahlolokazi benza isigqibo ngokukhawuleza kwaye balahlekelwa yimali kuba abaqondi yonke into ekhoyo.
Uhlawulela ukwenza umsebenzi wesikolo sakho ngaphambi kokuba ucele umhlolokazi / umhlolokazi inzuzo yeNtlalo . Nakhu okufuneka ukwazi.
Ngubani ofanelekayo?
Ukuba usatshatile iinyanga ezilisithoba okanye ngaphezulu kumntu osweleyo, kwaye basebenze ixesha elide lokuba xa beqeshwe umhlala-phantsi baza kufumana i-Social Security yabo (nangona bebengayifanga ii-benefit), ngoko unelungelo lomhlolokazi / umhlolokazi. Umdala wobudala unako ukuqokelela umhlolokazi weNtlalo / umhlolokazi wezeNtlalo uneminyaka engama-60 ubudala. (Ukuba unakekela umntwana womntu oshonile oneminyaka engaphantsi kwe-16, inzuzo eyongezelelweyo inokufumaneka nangona ungazange ufikelele kwiminyaka engama-60. ) U
Umzekelo: ukuba uneminyaka engama-60, kunye nomlingane wakho oshonile engama-55 ngexesha lokufa, uya kuba nelungelo lokufumana umhlolokazi / umhlolokazi ngoku, nangona bebengakhange baqale izibonelelo zabo.
Ingaba isebenza kanjani
Uluhlu olungezantsi luchaza indlela umhlolokazi / umhlolokazi azuze ngayo imisebenzi kwaye ijongene neenzuzo zomhlala-phantsi zomhlala-phantsi kumntu ohlala naye kunye nabancikiweyo.
Ukuba unabantu abaxhomekeke kuyo, uncedo lwabantwana luyafumaneka, kwaye lusebenza ngokuhlukileyo kunomvuzo womhlolokazi / umhlolokazi apha apha.
Unokufumana Uninzi Kangakanani?
Isixa soMhlalo woKhuseleko loLuntu uncedo oluya kufumana njengokuba usindayo kuxhomekeke ezintweni ezine.
- Inani le- inshurensi yelifa eliphambili (i-PIA) eyona mali abaya kuyifumana kwixesha labo elipheleleyo lokuhlala umhlalaphantsi (FRA) . (I-FRA ihluka ngohlobo lokuzalwa.)
- Ingaba umfazi oshonile wayeqale ukuqokelela iingeniso.
- Ingaba umlingane oshonile wafikelela kwi-FRA ngaphambi kokuba afe.
- Ubudala bomlingane osasalayo.
Makhe sibone indlela ezi zinto zichaphazela ngayo umvuzo womhlolokazi. Khetha icandelo elingezantsi elisebenza kuwe okanye umntu owaziyo ukuba ubone yiphi imigaqo yemithetho esebenzayo.
Ukuba umlingane wakho oshonile sele uqalile ukuzuza ...
- kwaye sele uqalise iingeniso ngaphambi kokufikelela kwi-FRA , ngoko wena njengomlingane ohlala naye unelungelo lokufumana into enokwakho, okanye 82.5% yemali yabo ye-PIA, (le mali abayifumene ngayo xa beqala ukufumana izibonelelo kwiFRA yabo). Inani lemali lixhomekeke ekunciphiseni ukuba awukafiki i-FRA yakho. (I-82.5% ye-PIA yabo iya kuba ngaphezu koko babeya kufumana xa beqala ukufumana uncedo kwiminyaka engama-62, ngoko lo mgaqo ukhona ukukhusela iqabane eliphilayo kwiholo elingenasigxina phantsi ukuba esinye isiqingatha saqala ukufumana uncedo kwiminyaka engama-62.)
- kwaye sele uqalise inzuzo kwi-FRA okanye emva koko , wena njengomlingane osaphila unelungelo lokutshatyalaliswa ngumlingane wakho oshonile, kubandakanywa nayiphi na iikhredithi zokuthatha umhlalaphantsi , ngenxa yokunciphisa ukuba uyabango ngaphambi kokufikelela kwi-FRA yakho (okanye iqabane eliseleyo lingakuqokelela inzuzo yakhe, ukuba inkulu).
Qaphela i-1 : Ukuba ufumana ezizinzuzo zakho, ufumana inkulu yomhlolokazi / umhlolokazi okanye inzuzo yakho-engekho bobabini.
Qaphela 2: Ishedyuli yokucacisa i-FRA yakho iyahluke kakhulu kwiintlawulo zomhlala phantsi kunokuba umzuze umhlolokazi / umhlolokazi.
Qaphela 3: Ukuba uqala izibonelelo phambi kokuba ufikelele kwi-FRA, kwaye uqhubeka usebenza, ukuba umvuzo wakho udlulile umda we- Social Security umvuzo inxalenye yezibonelelo zakho iya kugcinwa. Emva kokuba ufike kwi-FRA, ukuncitshiswa akusasetyenziswa kwaye inzuzo yakho iya kugqitywa ukuqala ukuhlawula isabelo esasigcinwe.
Ukuba umlingane wakho oshonile akazange aqalise inzuzo ...
- kwaye wafa ngaphambi kwe-FRA , ngokokuba umhlolokazi unelungelo lokufumana i-100% ye-PIA yoweswelekileyo xa ufikelele kwi-FRA yakho. Inzuzo yomhlolokazi (er) iya kuncitshiswa xa uqala izibonelelo phambi kwe-FRA yakho. Oku kuthetha ukuba iqabane lakho lidlula eli-64 ubudala kwaye lingazange liqalise izibonelelo okwangoku, ngokokuba umhlolokazi / umhlolokazi ungayifumana into abayifumana ngayo kwiminyaka yabo engama-66 (ekuthiwa ngu-66 yi-FRA yabo, kwaye becinga ukuba ufikelele kwi-FRA yakho) . Uninzi lwabantu abazalwa ngo-1943 ukuya ku-1954 lunalo i-FRA ye-66.
- kwaye wafa kwi-FRA okanye ngaphezulu , ngoko wena njengomlingane osasalayo unelungelo lokufumana nayiphi na into ababeyifumana ngomhla wokufa kwabo, kubandakanywa nokusetyenziswa kwanoma yiyiphi iimboleko zokuthatha umhlala-phantsi, ngenxa yokunciphisa ukuba awuyi-FRA.
Kucacile njengedaka, akunjalo? Njengoko ndikhankanyile, imithetho iyinkimbinkimbi.
Umhlolokazi / umhlolokazi uzuze imigaqo ekusetyenzisweni xa kwakuqhelekileyo ukuba neqabane elingasebenziyo. Ingongoma yemigaqo yayikuqinisekisa ukuba inkqubo leyo inikwe inzuzo ethile kumlingane osaphila ongenakho omnye umthombo wokufumana umhlala-phantsi.
Ukususela ngo-2017, i-71% yabasetyhini abangaphantsi komhlala-phantsi, ii-akhawunti zezoKhuseleko lweNtlalo ubuncinane ama-50% omvuzo wabo wokuthatha umhlala-phantsi kwaye ama-43% wabathathe umhlala-phantsi omnye athembele kwi-Social Security kwi-90% okanye ngaphezulu kwengeniso yabo. (Umthombo: iShidi leNkcukacha )
IiNkxaso zoLuntu zoLuntu lwezeNtlalontle kwi-Ex-Spouses
Ukuba ubutshatile ubuncinane bakho ubuncinane iminyaka eyishumi, kwaye awuzange utshate ngaphambi kokuba ufikelele kwiminyaka engama-60, ngoko unakho ukufaneleka ukuqokelela umhlolokazi weNtlalo okanye umhlolokazi kwirekhodi lomlingane owayeseshonile . Ewe, unako ngokwenene. Nangona bephinde batshata.
UkuDlula kabini, iSicwangciso esiPhambili
Ukuba usebenze kwaye uya kulungeleka inzuzo yakho yoKhuselo loLuntu, enye inketho onayo njengomhlolokazi okanye umhlolokazi kukuthatha inzuzo yokuqala yomhlolokazi / umhlolokazi, kwaye emva koko uyitshintshele inzuzo yakho, okanye ngokulandelelana.
Ngokomzekelo, omnye umhlolokazi endandisebenza naye wayenokuzikhethela ezimbini:
- Thatha umhlolokazi ozuze kwiminyaka engama-60 eyi-18,180 ngonyaka, ngoko-ke uneminyaka engama-70 ekutshintshelweni kwakhe kwaye ufumane i-$ 20,304.
- Okanye unokuthatha inzuzo yakhe yemali eqala kwiminyaka eyi-62 eyi-$ 10,752 ngeminyaka, kwaye emva kweminyaka engama-66 ukutshintshela inzuzo yomhlolokazi wakhe oza kuba yi-$ 24,480 ngonyaka.
Ekuboneni kokuqala, ukuthatha imali kwiminyaka yakhe engama-60 kubonakala ngathi yinto efanelekileyo, kodwa xa siqikelele imali epheleleyo eyayiza kuyifumana ngaphezu kwexesha lokuphila kwakhe, ukhetho lokukhetha 2 luya kunika ixesha elingaphezulu lokufumana imali (okungenani ama-30,000 ngaphezulu) kunye nangaphezulu Ingeniso echanekileyo yokunyuka kwamaxabiso kwiminyaka engama-66 nangaphezulu (ecinga ukuba uphila iminyaka eyi-86 okanye kamva).
Ngaphambi kokugqiba ixesha lokuqalisa iintlawulo zakho zoKhuseleko lweNtlalo unokufuna ukusebenzisa i- calculator ye- Social Security Calculator engakwazi ukuphendula i-benefit for widows / widows, okanye uthintane nomcwangcisi womhlalaphantsi onika iingcebiso kwiinkqubo zoKhuseleko loLuntu. Isigqibo esilungileyo sinokuthi ungakhuseleke ngakumbi ngexesha lokuhlala umhlalaphantsi.