Ukujonga ngokubanzi isamba semali kunye neenzuzo zokufa kweNtlalo yoKhuselo lweNtlalo.
1. Uluhlu lweNtlalontle yeNhlalakahle yoKhuseleko loLuntu
Umlingane (ohlala kwindlu efanayo) unokufumana inzuzo yexesha elilodwa ye-$ 255. Ukuba akukho mlingane, umntwana oxhomekeke kuminyaka engama-18 okanye ngaphantsi (jonga ngaphandle kolawulo lwe-18 kumntwana omncinci wewebhsayithi ye-Social Security), uvumelekile ukufumana isisombululo sokufa kwexesha elilodwa.
Inzuzo yesibonelelo sokufa ihlawulwa ngokukhawuleza ukuba umqeshwa oshonile wayebhekwa njengokuba uhlaselwe njengamanje , oku kuthetha ukuba ubuncinane ubuncinane be-6 quarters yemali efunyenwe yiNtlalo yoLondolozo lweNtlalo kwixesha eli-13 elipheleleyo ngaphambi kokufa kwabo.
Ngezantsi zikhokelo eziqhelekileyo ukuba ngubani omele afake isicelo salesi sixa-mali sokuzuza:
- Ukuba inzuzo yokufa kweNtlalontle kuhlawulelwa umhlolokazi okanye umhlolokazi ofumana inzuzo yomtshato, ke akukho sicelo kufuneka sibekwe.
- Ukuba inzuzo yokufa koKhuseleko loLuntu ihlawulwa kumntwana oxhomekeke kuye, kufuneka isicelo sifakwe kungakapheli iminyaka emibili yokufa kwabasebenzi be-insured.
Kukulungele ukubizwa ngokuba nguKhuseleko loLuntu ukubika ukufa ngokukhawuleza nokufumanisa ukuba yiziphi iimaphepha ezingayimfuneko. I-website yoKhuseleko lweNtlalo inikezela uludwe wolwazi oluya kulufuna ukugqiba isicelo sokufumana isibonelelo sokufa. Uya kufuna ukufunda ngaleluhlu uze ubuthe ulwazi olufunekayo ngaphambi kokuba ufake isicelo.
2. UkuNyuswa kweNkxaso yoLuntu yeNyanga
Izinzuzo zokusinda kwenyanga zihlawulwa kubahlolokazi / abahlolokazi, abaxhomekeke kumntwana okanye abantwana abancinci ngolu hlobo:
Izibonelelo zabathengi okanye abo banakekela umntwana omncinci
- Umntwana womsebenzi oneminyaka engaphantsi kwe-18 ubudala, ngaphantsi kweminyaka eyi-19 kwaye ehamba kwisikolo esipheleleyo esikolweni esiphakathi okanye esikolweni esiphakeme, okanye ngaphezulu kweminyaka eyi-18 kunye nabakhubazekile phambi kokuba abaneminyaka engama-22 bafanele ukufumana inzuzo yokuqhubekayo yenyanga.
- Umzali womntu oshonile oneminyaka engama-62 okanye ngaphezulu kwaye wayexhomekeke kumqeshwa ukuze anike inkxaso angakwazi ukufumana imali eqhubekayo.
- Unina okanye utata onakekela umntwana oxhomekeke kumntu oshonile unokufumana inzuzo. Umntwana kufuneka abe phantsi kweminyaka eyi-16 (okanye ukhubaze phambi kwe-22). Le nzuzo yomama okanye oyise iyahluke kunokuba umhlolokazi okanye umhlolokazi inzuzo yokuba inokuhlawulwa kumntu nawuphi na umdala, ngelixa iqabane eliseleyo kufuneka libe neminyaka engama-60 okanye ngaphezulu ukuba ifune inzuzo yomhlolokazi okanye umhlolokazi.
Izinzuzo zomfazi
- Iqabane elitsha eliye latshata kwabasebenzi besikhorensi ubuncinane ubuncinane kwiinyanga ezili-9 kwaye ubani oneminyaka engama-60 okanye ngaphezulu angayifumana ingeniso yenyanga yenyanga njengenzuzo yoKhuseleko lweNtlalo .
- Umntu owayengumlingane womntu wokuqala (ukuba babetshatile ubuncinane ubuneminyaka elishumi) oneminyaka engama-60 okanye ngaphezulu, kwaye ngubani ongazange aphinde ashade ngaphambi kweminyaka yobudala engama-60 naye unokufumana inzuzo yokuphila kwenyanga. (Ukuba uphinde utshatile kodwa sele uqhawule umtshato usenokuba ufanelekile.)
Iinzuzo kubantu abangasentla zingakhokhelwa ukuba umsebenzi uqinisekisiwe ngokupheleleyo okanye njengangoku ikhushulwa. Okwangoku kuqinisekisiwe ichazwe ekuqaleni kweli nqaku. I-insured epheleleyo ichazwe ngezantsi.
Ukuqinisekiswa ngokupheleleyo kuthetha ukuba umntu ube neekota ezingama-40 zomsebenzi ezixhaswa ngerhafu yoLuntu .
Inani eliqhubekayo lokusindisa inzuzo lisekelwe kulo:
- irekhodi yengeniso yomntu oshonile
- bakho ubudala
- ulwalamano lwakho nomntu oshonile
Njengokulinganisela okukrakra, njengomlingane osaphilayo onokulindela ukufumana phakathi kwe-70% kunye ne-100% yemali yomsebenzi oshonile ekufumaneni umhlalaphantsi ohlala phantsi.
Khuphela ngokukhawuleza isicelo seNzuzo zoKufa
Isicelo sokufumana inzuzo yonyaka oqhubekayo yoKhuseleko loLuntu kufuneka sifakwe kwisithuba seenyanga ezintandathu zokufa kwabasebenzi njengoko kungabikho ngaphezu kweenyanga ezintandathu ezifumanekayo ezihlawulwa ngokukhawuleza.
- Qaphela: Indlela yokufaka isicelo soNcedo loKhuseleko loLuntu.
Izizathu ongenakuzilungela umhlolokazi wenyanga / iiNzuzo zomhlolokazi
Ukuba usebenza, utshata kwakhona ngaphambi kweminyaka yobudala engama-60, okanye uvumelekile ukuba ufumane umhlala-phantsi kwiirekhodi lakho lakho kunokunciphisa okanye ukuphelisa ukufaneleka kwakho kwenyanga eqhubekayo yokuxhamla kwiNtlalo yoLuntu njengomhlolokazi okanye umhlolokazi.
Funda kabanzi kwi-website ye-Social Security Survivors Planner.