Ndiyazi ukuba ndimele ndide ndifike kwiminyaka ethile ngaphambi kokuba ndifumane izibonelelo, kodwa yiyiphi iminyaka?
Impendulo:
Unokuqala ukususela kwiminyaka yobudala engama-62 kwaye ufike emva kweminyaka engama-70. Kodwa unelungelo lokufumana izibonelelo ezipheleleyo xa ufikelela kwiminyaka yobudala yomhlalaphantsi okanye "iminyaka yobudala yomhlalaphantsi" ngoLawulo loKhuselo loLuntu.
Kuba nabani na abazalwa emva kowe-1937, iminyaka yobudala yomhlalaphantsi iphakathi kweminyaka engama-65 no-67 ubudala, kuxhomekeka xa uzalwe.
Ukuba uzalwe phakathi kowe-1937 no-1942, iminyaka yobudala yomhlalaphantsi i-65. Ingaba iinyanga ezingama-65 neye-2, inyanga ezi-4, iinyanga ezintandathu, njl njl. Ukuba uzalwe phakathi ko-1942 no-1959, iminyaka yobudala yokuthatha umhlalaphantsi ngu-66. Kwakhona, inyanga ngqo iya kuxhomekeka kunyaka wakho wokuzalwa (ukuba lwakho usuku lokuzalwa nguJanuwari 1, ubhekisela kumnyaka wokuzalwa wangaphambili). Kwabo abazalwa ngo-1960 okanye emva koko, iminyaka yobudala yomhlalaphantsi uneminyaka engama-67 ubudala.
Kuthiwani ukuba Ndifuna Ukuqala Ukufumana Iinkonzo Zokhuseleko Loluntu Ekuqaleni?
Ukuba uqala ukufumana ukhuseleko lwezeNtlalo kwiminyaka engama-62, iintlawulo zakho zenyanga ziya kuncitshiswa ngokufanelekileyo - malunga no-30%. Ziyakhula ngonyaka ngamnye njengoko usondela kwixesha elipheleleyo lomhlalaphantsi, apho uza kufumana iintlawulo ezipheleleyo.
Ngoko, umzekelo, ukuba iminyaka yakho yokuhlala umhlalaphantsi ingama-67, kwiminyaka engama-62 uza kufumana ukunciphisa ama-30% kwizibonelelo. Xa uneminyaka engama-63, uya kufumana okungaphezulu: ukunciphisa ama-25% kwiintlawulo. Uya kufumana ukunciphisa u-20% kwi-64 ubudala, njalo njalo.
Kuthekani ukuba ndilindele ukufumana iiNzuzo zoKhuselo loLuntu?
Ukuba uyalibaziseka ukufumana iinzuzo zeNtlalo yezoLuntu kuze kube yilapho emva kweminyaka yobudala yomhlalaphantsi, uza kufumana izibonelelo zemali zonyusa ipesenti yemali oyifumanayo xa uqala. Kodwa eso sinyuka siyayeka xa usufikelele kwiminyaka eyi-70.
Ngoko, umzekelo, ukuba iminyaka yobudala yakho yokuthatha umhlalaphantsi ingama-67, uya kufumana ukwanda kwe-8% ngamnye kunyaka oyeka ukufumana izibonelelo zakho, de ube ufikelele kwiminyaka engama-70.
Nangona kunjalo, ukuba unokulibaziseka ukufumana izibonelelo zakho, kufuneka usenokufaka isicelo kwi- Medicare ngaphambi kweminyaka engama-65. Ulawulo loKhuselo loLuntu lucebisa ukuba uqale inkqubo emva kweenyanga ezintathu ngaphambi kokuzalwa kwakho kweminyaka engama-65. Ukuba awukwenzi oku, unako ukusebenzisa emva kweminyaka yobudala engama-65. Kodwa kukho ixesha elithile elithile lokwenza njalo. Kwaye unyaka ngamnye ongenakho, ii- premium ze- Medicare Part B zenyanga ziyakhula nge-10%.
Umsebenzi Unokuthintela njani iiNzuzo zoKhuseleko loLuntu?
Unokufumana iinzuzo zoKhuselo loLuntu kunye nokusebenza ngexesha elifanayo. Enyanisweni, unako ukuqokelela kwiminyaka engama-62, nokuba usebenza okanye cha. Nangona kunjalo, ukuba uqokelela iingeniso ngaphambi kokuba uphumelele umhlalaphantsi, iintlawulo zakho ziya kuncitshiswa ngexeshana nge-$ 1 kuzo zonke i-$ 2 ozifumana ngaphezulu kwe-$ 15,720 ngo-2015. Ukuba usebenza ngexesha lonyaka ufikelele kwiminyaka yobudala yomhlalaphantsi, i-R1 kwiintlawulo ziya kuncitshiswa nganye U-3 wemali owufumana ngaphaya komda ophezulu (i-$ 41,880 ngo-2015), kodwa ukubala kuphela ukufumana imali phambi kwenyanga ufikelela kwiminyaka yakho yokuhlala umhlalaphantsi. (Qaphela: Imilinganiselo yemali yokufumana imali ka-2016 ayizange ishicilelwe nguLawulo loKhuseleko loLuntu ngexesha lo kuhlaziywa kodwa iya kufumaneka apha xa ikhona.) Emva kokuba ufikelele kwiminyaka yobudala yomhlalaphantsi, ungafumana izibonelelo zakho ngaphandle komda wakho ngeniso.
Yiyiphi Ibhetele ekuQala ukufumana iiNzuzo zoKhuseleko loLuntu?
Kungakhathaliseki ukuba kukuphi, ulawulo loLuntu loLawulo loKhuseleko alukho ixesha eliphakanyisiweyo lokuqala ukufumana iinzuzo. Isigqibo siphelele kuwe. Uya kufutshane xa uqala kusasa, okanye inzuzo enkulu xa ulinda kude kube ngu-70. Unokubala umlinganiselo kwiziko le-SSA.
Fumana okunye malunga nokuqokelela iintlawulo zeNtlalo:
Indlela yokufaka isicelo soNcedo loKhuseleko loLuntu
Ngaba Ndinokufumana Ukhuseleko Loluntu Ukuba Ndisebenza?
IiNkxaso zeNtlalontle zoLuntu
Imirhumo kwiNzuzo yoKhuseleko loLuntu
Umthombo: Ulawulo loKhuseleko loLuntu, ngo-2015
ISICELO: Iiwebhsayithi ezizimeleyo, kunye nolwazi olunxulumene kokubili nakweli ndawo, uluvo nolwazi. Nangona ndenze yonke imizamo yokudibanisa ulwazi oluchanileyo noluthe lugqibeleleyo, andinakuqinisekisa ukuba lichanekile.
Nceda ufune uncedo lwezomthetho, okanye uncedo oluvela kwi-State, Federal, okanye kwiiRhulumente zoLuntu ukuqinisekisa ukuba ukuchazwa kwakho kwezomthetho kunye nezigqibo zichanekile. Le ngcaciso ayikho isiluleko sezomthetho kwaye ikhokelo kuphela.