Umbuzo womfundi kwiSicelo soKhuseleko lweNtlalo
"Into endiyifunayo ithi, kufuneka ndifake isicelo esipheleleyo kodwa i-ofisi yoKhuseleko lweNtlalo (SS) ithi, akuyimfuneko." Ngowama-66, iminyaka yobudala yomhlalaphantsi , kunye nomfazi wamashumi amathandathu anesithoba. Umhlala-phantsi. Ndandifaka kwi-SS irekodi yokuxhaswa kwi-ofisi yase-SS yangasese. kwindlela yokukhetha eyona nto yokuxhaswa ngumtshato, ndade ndifake i-rekhodi yam kwi-70 ubudala. Ndabiza i-SS inombolo ye-1-800 ndaza ndabuza umbuzo ofanayo. isicelo esilukhuni sasingekho imfuneko ukuqinisekisa ukuba ndamkela kuphela inkxaso yokutshata ngaphandle kokufakwa kwi-SS irekodi yam. Kutheni yonke into endiyifunayo igxininisa ukubaluleka kwesicelo esipheleleyo sokufakwa? "
Impendulo lo mfundi unikezelwe yiofisi yezoKhuseleko loLuntu ayizange ilungele kum. Ujika, ndalungile. Ummeli ngamnye we-Avram Sacks, uyingcali yelizwe kuMthetho woKhuseleko loLuntu, nantsi impendulo yeso sizathu sokwenza isicelo esifanelekileyo:
Ummangalelwa MELE ufake ifom ye-application ukuqinisekisa ukuba ufumene inzuzo yomtshato kunye nokuqinisekisa ukuba inzuzo yommangali ibhalela iikhredithi zomhlala-phantsi ezilibazisekile (DRCs). Incwadana yokusebenza yangaphakathi yoLawulo loKhuseleko loLuntu, iNkqubo yoLungiselelo loPhuhliso lweNtlalo ("POMS") kwi-GN 00204.020.D.1 icacisa ngokucacileyo ukuba ummangali unokunciphisa ububanzi besicelo nangaliphi na isizathu ngaphandle kokuba umthetho ochithwayo wokufaka isicelo usebenza. Lo mgaqo (umgaqo-weshishini kwi-20 CFR §404.623), othi incediso yesibonelelo seminyaka yobudala yomhlala-phantsi (i-Retirement Insurance Benefits okanye "RIB") okanye izabelo zomtshato ziya kuthathwa njengesicelo sokuba zombini ukuba iifayili ngaphambi kokuphela kweminyaka yobudala, akusebenzi apha ngenxa yokuba ummangalelwa uyifaka kwixesha elipheleleyo lomhlalaphantsi.
Ulawulo lwe-POM lucacisiwe, nangona kunjalo, lubonisa ukuba nayiphi na ibango iya kuthathwa njengabangozo zonke izibonelelo apho ummangali ufanelekile ngaphandle kokuba ihlawulwe ngokukodwa ngummangali. Yingakho ummangali kufuneka afake isicelo esipheleleyo ukuqinisekisa ukufumana inzuzo yomtshato.
Kwimeko yombali wakho, nangona kubhala kumabhalana ukuba inzuzo yaloo mfundi "ayiyi kudlala" de kube sele efaka irekhodi yakhe kwiminyaka engama-70, i-POMS §GN 00204.020 kunye ne-§GN 00204.004 ibonisa ukuba ngaphandle kokuba ummangali ethintela isicelo sokuqhawula umtshato kuphela, ulawulo loKhuseleko loLuntu luya kucinga ukuba isisicelo somtshato sisicelo seRIB ngokunjalo.
Kwaye, xa kwenziwe oko kukho ilungelo elilodwa. Kwaye, nangomthetho obini, uMthetho woKhuseleko loLuntu (SSA) §202 (k) (3) [42 USC §402 (k) (3)] ibangelwa. Ngaphantsi kwelo lungiselelo, i-RIB iya kuhlawulwa kuqala, kwaye ukuba inzuzo yomtshato inkulu, ke imali ehlawulwayo iya kulingana ne-RIB kunye nomlinganiselo phakathi kokuncedisa umtshato kunye ne-RIB. Ukuba, ngakolunye uhlangothi, i-RIB inkulu, akukho ntlawulo yomtshato ehlawulwayo. (Akukho "ukudibanisa kabini.") Kwaye, xa kukho intlawulo yeRIB, i-DRC ayikwazi ukufikelela. (20 CFR §404.313.) Ngamanye amagama, ukubhaliswa komabhalana kumfundi wakho ukuba inzuzo ephantsi, iya kuhlawulwa, nangona isicelo esingagcinwanga singagcinwanga, sichasene neSSA §202 (k) (3).
Ndiyakwazi ukucinga ngeembali ezimbini kuphela apho umabhalana we-SSA eya kuchaneka, ukuba ukuhluleka ukufaka ibango elikhawulelweyo akuyi kuchaphazela inzuzo yomsebenzi:
(1) Ukuba i-inshurensi ye-Primary Primary Income ("PIA" - isixa-mali esipheleleyo somsebenzi oneminyaka engama-66) sincinci kangangokuthi umtshato wakhe unenzuzo ngaphezu kwe-132% ye-PIA (imali esetyenziswa ngumntu i-akhawunti yakhe ukuba iminyaka yobudala yomhlalaphantsi epheleleyo yomsebenzi uneminyaka engama-66 kwaye umqeshwa ulinda de i-70 ubudala ukuya kubango inzuzo kwi-akhawunti yakhe) KUNYE nokuba imali yakhe kwiminyaka emine ezayo yayiphezu okanye ngaphezulu kwesiseko semali (isixa esiphezulu yemivuzo phantsi kwentela phantsi kwe-FICA), i-132% ye-PIA ekhethiweyo iya kusekho ngaphantsi kwe-1/2 ye-PIA yomvuzo oyintloko (oko kukuthi, i-PIA yomfazi we-reader's) yakho, ngoko ukufakela kwesicelo esithinteleyo bekungekho mfuneko .
Ngaloo ndlela, ukuze ukwazi, ngokuqinisekileyo, ukuba le isiseko soLawulo loKhuseleko loLuntu, umntu uya kufuneka azi i-PIA yommangali kunye neqabane lommangali.
(2) Ukuba ummangali wenza umsebenzi ongekho phantsi koMthetho woKhuseleko loLuntu (njengombuso wendawo okanye urhulumente okanye umsebenzi wangaphandle) kwaye ufumana ipenshini ngokusekelwe kuloo msebenzi, umhlala-phantsi wommangali unokunciphisa inzuzo yomtshato kwi-zero phantsi Ukunikezelwa kwe- Pension Offset Act yoMthetho woKhuseleko loLuntu (SSA §202 (k) (5); 20 CFR §404.408a). Kwimeko enjalo, kunenzuzo kakhulu kumsebenzi ukufumana i-RIB. Nangona inzuzo yomntu phantsi komThetho woKhuseleko loLuntu uya kuncitshiswa, ukunciphisa phantsi kolawulo oluthile loMthetho, i- Windfall Elimination Provision (SSA §215 (a) (7); 20 CFR 404.213).
Nangona kunjalo, ukunciphisa i-WEP ngokuqhelekileyo kuncinci kunokunciphisa i-GPO kwaye akukho nciphisa inzuzo yoKhuselo loLuntu kwi-zero.
Ngoko ke umfundi omele enze ntoni xa ebhekene nomabhalana ofuna ukuba ukufakela kwesicelo esipheleleyo akuyimfuneko? Umfundi kufuneka:
- Nika umbhalana ngekopi ye-POMS GN 00204.020.D.1 kunye ne-GN 00204.004 kwaye ubuze ukuba kutheni i-RIB yakhe ayinakukhubazeka ngokungabikho kwesicelo esipheleleyo? I-GN 00204.020.D.1 inika umfundi ilungelo lokufakela isicelo esipheleleyo. Umfundi kufuneka acele umbhali ukuba athethe ummiselo, ummiselo, okanye umthetho weejensi ovumela ukuba unobhala angayinaki isicelo somfundi sokufakela isicelo esipheleleyo.
- Ukuba impendulo yomabhalana ayinelisekanga, umfundi kufuneka acele ukuba athethe kwiphathimandla (kwaye, ukuba kuyimfuneko, umphathi weofisi yesevisi) kwaye wenze isicelo esifanayo.
- Ukuba umabhalane okanye umphathi weebhanki akakwazi ukubonelela ngokubhaliweyo, fumana iimpendulo zabo ngokubhaliweyo aze athathe inxibelelwano yoLuntu lweeNtlalontle kwiofisi yeConferensi yabo yendawo kwaye abuze umbuzo malunga nokuba kungani isicelo esipheleleyo asikho imfuneko ukuze kuqinisekiswe ukuba Iintlawulo zomsebenzi ziza kufikelela kuma-DRC.
Ukuba konke okuhlulekayo, umfundi unokubhenela ukuzimisela kwaye afune ukuqwalaselwa kwakhona, kwaye, ukuba kuyimfuneko, ukuva phambi kwe-ALJ. Nangona kunjalo, ndithandabuze ukuba kuya kufikelela apha.
Abasebenzi boKhuselo loLuntu benza iimpazamo, njengabaphathi babo nabaphathi. Yingakho kukho amaninzi amanqwelo athetha ngokuphumelelayo amatyala ngokubhekiselele kuLawulo loKhuseleko loLuntu.
Ngaphandle kokuba umvuzo womfundi wexesha lokuphila uncinci kangangokuba umvuzo womtshato uza kuphakama, kunye ne-DRC kwiminyaka engama-70 okanye ngaphandle kokuba umfundi efumana (okanye uya kufumana) umhlalaphantsi esekelwe kwimisebenzi engagciniweyo, umfundi kufuneka abambelele kwizibhamu zakhe kwaye ugxininise ukuba isicelo esifanelekileyo sifakwe egameni lakhe. Unokungena kunye nommeli we-Avram Sack nge-ProfileIn LinkedIn.