Impendulo:
Ingaba okanye usebenze ngexesha lokuphila kwakho kwaye ufumana uxolo lweNtlalontle, unokufumana ilungelo kwiirekhodi lomlingane. Le yimeko nokuba udidekile okanye umhlolokazi.
Njengoko kunye neenzuzo eziqhelekileyo zoKhuseleko lweNtlalo , uya kulungeleka ukuqala kwiminyaka engama-62 (unokufanelekela ngaphambili kwintlawulo yokufumana inzuzo, echazwe ngezantsi). Ngokuqhelekileyo, isixa ofumanayo sincitshisiwe ekuqaleni uqala ukuqokelela ngaphambi kokuba uhlala phantsi .
Yingakho usenza isigqibo xa wena kunye neqabane lakho kufuneka niqale ukufaka izicelo zeenzuzo zakho.
Nantsi ingcaciso engakumbi malunga nendlela isebenza ngayo.
Ukuba Awuzilungeleli Izibonelelo Kwakho
Ukuba awuzange usebenze ngokwaneleyo ebomini bakho ukuze ufumane izibonelelo zoKhuselo lweNtlalo ngokwakho, unokufumana isiqingatha somlingane wakho womhlala-phantsi xa ufikelele kwiminyaka yobudala yomhlalaphantsi, kwaye uya kufaneleka kwi-Medicare yomlingane wakho oneminyaka engama-65. Inzuzo yomtshato isongeza kwintlawulo yabo kwaye ayichaphazeli isixa umlingane wakho uya kufumana.
Unokuqala ukuqokelela iintlawulo zomtshato ngexesha leminyaka engama-62, ukuba iqabane lakho lisetyenziselwe iinzuzo kwilo xesha. Kodwa umhlalaphantsi ongaphaya komhlalaphantsi uyanciphisa izibonelelo zakho. Isixa senzuzo yakho sincitshiswe ngokusekelwe kwinani leenyanga kude ufikelele kwiminyaka yobudala yomhlalaphantsi. Yithi iminyaka yobudala yakho yomhlalaphantsi ngu-66. Ukuba uqala ukuqokelela iintlawulo zomtshato :
- Xa uneminyaka engama-62, ufumana i-35% yomlingane wakho opheleleyo
- Xa useneminyaka engama-63, ufumana i-37.5% yeqabane lakho elipheleleyo
- Xa uneminyaka engama-64, ufumana i-42% yomlingane wakho opheleleyo
- Xa uneminyaka engama-65, ufumana i-46% yomlingane wakho opheleleyo
- Xa uneminyaka engama-66, ufumana i-50% yomlingane wakho opheleleyo
Ukuba Ufanelekile kwiNzuzo Yakho yoKhuseleko loLuntu
Ukuba usebenze kwaye uzuze iikredenti zakho zoKhuselo loLuntu kwixesha lakho lobomi, unokufumana inxaxheba kunye neenzuzo zakho zomtshato.
Ukuba iinzuzo zeqabane lakho liphezulu kunezakho, izibonelelo zakho ziya kulungiswa kumlinganiselo ophezulu.
Abatshatileyo banakho ukulungelelanisa ngokukhawuleza xa besithi ukhuseleko lwezeNtlalo ukwenzela ukwandisa iintlobo ozenzayo njengezibini. Ngokomzekelo, masicinge ukuba uqala ukufumana ukhuseleko lwezeNtlalo kwiminyaka engama-62 ubudala. Awuyi kufumana isixa esipheleleyo seenzuzo zakho, kodwa unokwandisa imali oyifumanayo xa unelungelo lokufumana umtshato.
Ngapha koko, unokulinda. Xa usufikelele kwiminyaka yobudala yomhlalaphantsi kwaye unelungelo lokufumana zakho iingeniso zomhlalaphantsi kunye ne-benefit spousal, unokucela ukuba iintlawulo zakho zinyanzeliswe kude kube seminyaka engama-70 kwaye ufumane iikhredithi zokuthatha umhlala-phantsi (okanye umlingane wakho unokukhetha ukhetho esikhundleni sakhe). Oku kuya kwandisa inani lembuyekezo yakho inzuzo kwiminyaka engama-70.
Ukuba u ya hlukana
Ukuba ubude utshatile omnye umlingane iminyaka engama-10 okanye ngaphezulu kwaye lowo mntu wasebenza ngokwaneleyo ukuze afanelekele ukuKhuseleko loLuntu, unokufumana inzuzo kwirekhodi lomlingane wangaphambili, nokuba uphinde watshata.
Ukuze ufaneleke, kufuneka ungatshatanga. Ukuba uphinde utshatile, awufanelanga ukufumana izibonelelo kwiqabane lokuqala ngaphandle kokuba umtshato olandelayo usuphelile kwaye udidekile iminyaka emibini.
Ukuba lakho iqabane lifile, kwaye emva kokuba ufikelele kwiminyaka engama-60 ubudala, inzuzo yakho yokusinda ayinakuchaphazeleka.
Ukuba ungumhlolokazi okanye umhlolokazi
Umhlolokazi okanye umhlolokazi ufumana into ebizwa ngokuba yi- survivor benefit kwi-Social Security . Imithetho ifana nezinye iindleko zomtshato kodwa iingeniso zokusinda zingaqalisa ukususela kwiminyaka yobudala engama-60. Kakade, njengakanye nezinye izibonelelo, iinzuzo zakho zincitshiswe xa uqala ukuqokelela ngaphambi kokuba uhlala phantsi.
Ukuba ungumhlolokazi oqhawule umtshato okanye umhlolokazi, imithetho iyafana. Nangona kunjalo, ukuba utshata kwakhona ngaphambi kweminyaka yobudala engama-60, awufumani luncedo xa ushada. Ukuba ubuya kutshata emva kweminyaka engama-60, unako ukufumana ilungelo lokufumana inzuzo. Ezi zinzuzo ziyinkimbinkimbi, ngoko kukulungele ukuxoxa nabo nommeli woKhuseleko loLuntu.
Akukho mfuneko yokufaka isicelo njengomlingani
Xa wena, lakho iqabane okanye iqabane lakho elide lifaka isicelo ngeenzuzo, inkqubo iya kuphawula ukufaneleka kwakho ngeenzuzo njengeqabane lakho.
Awudingi ukwenza isicelo esisodwa. Nangona iqabane lakho okanye umlingane wakho ufikelele kwixesha elifanelekileyo lokufumana izibonelelo kodwa akazange afake isicelo, ungaqala ukuqokelela inzuzo kwirekhodi yakhe. Kodwa ukuba unemibuzo malunga nokuba ufanelekile ukuba ube ngumlingane, unokutyelela iofisi yakho yoKhuseleko loLuntu okanye u-1-800-772-1213.
Kakade, ukuba uqhubeka usebenza, okanye ufumana ipenshoni kumqeshi wangaphambili, isixa onokufumana siya kuphelelwa. Kwaye kukho imida ekungakanani ongayifumana ngokupheleleyo. Nantsi i-calculator eyincedo ebonisa ukuba kufuneka uthintele ukhuseleko lwezeNtlalo ukwenzela ukwandisa izibonelelo zakho zokuphila njengesiqabane:
http://www.aarp.org/work/social-security/national-security-benefits-calculator.html
Fumana okunye malunga nokuqokelela iintlawulo zeNtlalo:
Ndingayifaka nini I-Social Security Retirement Benefits?
Indlela yokufaka isicelo soNcedo loKhuseleko loLuntu
Ngaba Ndinokufumana Ukhuseleko Loluntu Ukuba Ndisebenza?
Imirhumo kwiNzuzo yoKhuseleko loLuntu
> Umthombo: Ulawulo loKhuseleko loLuntu, ngo-2012
Ukuzikhusela: Umxholo kule ndawo unikezelwa ngolwazi kunye neenjongo zokuxoxa kuphela. Akuhloswe ukuba yingcebiso ngezezimali kwaye akufanele kube yedwa isiseko sotyalo-mali lwakho okanye izigqibo zokucwangcisa irhafu. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.