Unelungelo loKhuselo loLuntu kwi-62, kodwa unokulinda ixesha elide.
Uya kuthatha inani elincinci xa uqala izibonelelo ezineminyaka engama-62 ubudala. Ukunciphisa akuyi kukuchaphazela kuphela, ukuba utshatile , kuya kuchaphazela lakho iqabane.
Ngoko ke, ngaphandle kokuba udibana neendlela ezichanekileyo zokunqunyulwa, uya kufuna ukunika ingcamango yokuthatha ukhuseleko lweNtlalo kwiminyaka engama-62 ingqiqo ngaphambi kokuba ufake izicelo. Ngaphandle kokuba unesifo esibuhlungu, unokufumana imali engenayo ngaphezu kwexesha lakho lobomi ngokuqala izibonelelo zakho kwixesha elide.
Umzekelo
Makhe sibone umzekelo usebenzisa uCarol. Ukuba uCarol uhlala eneminyaka engama-84, nanku kungakanani afumanayo ngokuxhomekeke ekubeni uyaqala u-Social Security kwiminyaka engama-62, 66, okanye 70. Ukwenza izibalo, wandise inzuzo yenyanga ngenyanga ngamaxesha alishumi elinambini ixesha elindeleke ukuba fumana i zibonelelo.
- Ubudala 62: i-$ 835 × 12 × 22 = $ 220,440
- Umdala wama-66: i-1,114 × 12 × 18 = i-$ 240,624
- Umdala wama-70: i-$ 1,470 × 12 × 14 = i-246,960
UCarol ufumane imali engaphezulu ngokulinda de ukuya kwiminyaka engama-70 ukuqala izibonelelo. Ukuba uCarol uhlala ixesha elide, icebo leminyaka eli-70 lisebenza kangcono kuye kunokuba kuboniswe ngasentla. Umzekelo, ukuba uCarol uhlala eneminyaka eyi-94, uya kufumana imali engaphezu kwama-423,360 kwi-Social Security xa eqala ukufumana izibonelelo kwi-70, kodwa uya kufumana i-$ 320,000 xa eqala ukufika kwi-62.
Ngezantsi zikhokelo ezimbalwa eziqhelekileyo ongazisebenzisa ukucacisa xa kunengqiqo ukuba uqale ukuthatha uxolo loLuntu.
Izizathu zokungathathi ukhuseleko loluntu kwiminyaka engama-62
- Uceba ukuqhubela phambili ukusebenza kwaye uza kufumana ngaphezulu kwemali yokufumana umvuzo wentlalo ngaphambi kokuba ufikelele kwiminyaka yakho yokuhlala umhlalaphantsi (FRA). (Inxalenye yeenzuzo zakho zoKhuseleko loLuntu iyanqanyulwa ukuba uqokelela izinzuzo phambi kwe-FRA kwaye ufumana imali engaphezulu komyinge wonyaka wokufumana umvuzo.
- Ungatshatanga , unako ukugcina imali encinane, kwaye ube nexesha elide lokuphila. Kule meko, kufuneka uqwalasele ukusebenza ixesha elide kunokwenzeka ukuba ukwandise iinzuzo zakho kwaye ulinde ixesha elide kunokwenzeka (ukufikelela kwiminyaka engama-70) ukuqala izibonelelo zakho.
- Iqabane lakho lisasebenza kwaye lifumene ingeniso enokubangela ukuba inxalenye enkulu yeNzuzo yeNtlalo ihlawulwe. Ukuba ingeniso yakho, kunye nereyithi yentlawulo, iya kuba yincinci kwiminyaka embalwa, ngokulinda ukuqokelela ukhuseleko lwezeNtlalo unokufumana inzuzo enkulu kwaye ugcine ngaphezulu.
- Unomdla obade ubude. Ngokuqhelekileyo, ixesha elide lokuphila kwakho, ixesha elide kufuneka ulinde ukuqala ukudweba kwiNtlalo yoKhuseleko. Akukho nzuzo, nangona kunjalo, ukulinda kude kube yiminyaka engama-70 ubudala.
- Utshatile, kwaye inzuzo yomlingane yakho incinci kuneyakho, kunye / okanye iqabane lakho lincinci kunene. Xa utshatile, ukuhlala kwakho okudibeneyo kubomi kunokude kunomntu ongatshatanga. Xa usweleka, iqabane lakho liya kuqhubeka lifumana inzuzo enkulu yeNtlalo yeNtlalo, okanye eyakho, kodwa kungabikho bobabini. Oku kuthetha ukuba uthatha iNkcazo yeNhlalakahle kwiminyaka engama-62 ubudala, kwaye inzuzo yakho yomlingane isekelwe kwintlawulo yakho, kuya kuthetha ukuba inzuzo eyancitshiswe kakhulu kumlingane wakho osaphila.
Izizathu zokuthatha ukhuseleko loLuntu kwi-Age 62
- Awunakufumana imali engenayo ngaphezu kwemali yonyaka yokufumana umvuzo phakathi kweminyaka engama-62 kunye nobudala bomhlalaphantsi.
- Unemiba yezempilo kunye / okanye mfutshane kunokuhlala kwithuba lokuphila , kwaye, ukuba utshatile, inzuzo yomlingane yakho inkulu kuneyakho.
- Awunayo enye i-akhawunti ukuba uhoxise kwaye ungenayo indlela yokufumana inzuzo, ngoko kufuneka uthathe ukhuseleko lweNtlalo kwi-62.
Kwabaninzi abantu, izizathu zokuthatha ukhuseleko lweNtlalo kwixesha elide zigqithise ngakumbi izizathu zokuzithatha ezingama-62.
Abantu abaninzi banqabile ukuba iinjongo zabo zokhuseleko lweNtlalo zifanelekile. Ngokujonga indlela ongayifumana ngayo ixesha lokuphila kwakho, uya kubona ukuba unako ukufumana isixa esikhulu ngokuqala izibonelelo emva kweminyaka engama-62.