Ukhuseleko lweNtlalo kunye neNdleko zoLungiso lokuPhila (i-COLA)

Iindleko zokuguqulwa kokuphila okanye ii-COLA zandisa iinzuzo zakho zomhlalaphantsi

Iindleko zokuhlengahlengiswa kokuphila (i-COLA) yenye yeyona nto ibaluleke kakhulu kwi- Social Security Pension benefit benefit . Nge-COLA intlawulo yakho yanyanga zonke ikhokhelwe ukunyuka kwamaxabiso-oko kuthetha ukuba, xa kuthe kwavela ukunyuka kwamaxabiso, umvuzo wenyanga uvela nayo. (Amanye amapensheni ahlomileyo ahlawulwayo ahlawula imali ehleliweyo nyanga nganye, kungakhathaliseki ukuba yintoni izinga lokunyuka kwamaxabiso.) Nangona ukunyuka kwexabiso lokunyuka kwamaxabiso eminyaka emibini okanye emibini kungeyona nto inentsingiselo ebalulekileyo, ukubaluleka kwalolu hlobo lokukhuselwa kwexabiso lokunyuka kwamaxabiso kwandisa kakhulu okanye iminyaka engama-30 umntu onempilo angaphila ngomhlalaphantsi.

I-COLA Inceda Ukugcina Ngeemfuno zeMali

Ngaphantsi kwemithetho ye-congressional, iiNtlawulo zeNtlalo zikhokhelwe ukunyuka kwamaxabiso ukususela ngowe-1973. Ngethuba leminyaka embalwa yokuqala, kwakudingeka umthetho kumlungiso ngamnye. Ukususela ngo-1975, ukulungiswa kweendleko zokuphila kwenziwa ngokuzenzekelayo. Ngethuba lexesha lokunyuka kwamaxabiso, i-Social Security retirement benefits inikezela ukubonisa iindleko ezikhulayo.

Ukukhuselwa kwexabiso lentengo yenzelwe ukunyusa umgangatho wokuphila komntu onoxanduva loKhuseleko loLuntu kodwa ukugcina amandla okuthenga kwembuyekezo yengeniso ngokuhamba kwesikhathi. Ngokomzekelo, ekuthatyeleni i-3% yexabiso lokunyuka kwamaxabiso, umvuzo womntu uza kufuna ukwandisa ngaphezu kwama-80 ekhulwini ukususela kwiminyaka yobudala ukuya kuma-85 ubudala ukuze ugcine umgangatho wokuphila. Ukuba ukunyuka kwamaxabiso kwakungama-4 ekhulwini, loo ntlawulo iya kufuneka ibe ngaphezu kokuphindwe kabini kule minyaka engama-20 ukugcina amandla athile okuthenga.

Indlela i-COLA inqunywe ngayo

Ifom ekhethekileyo iqhuba ukuzimisela kwe-COLA.

Ukubala kusekelwe kwikota yesithathu kwenyuka kwi- Index Index Price (CPI-W) njengoko kulinganiswa liSebe leBasebenzi leBasebenzi labaSebenzi. Ukuba kukho ukwanda kwe-CPI-W xa kuthelekiswa nekota yesithathu kunyaka odlulileyo, i-COLA iya kwenziwa. Ukuba akukho zanda, akukho COLA.

I-COLA entsha ichazwa ngonyaka, ngokuqhelekileyo ngenyanga ye-Oktobha. Naluphina utshintsho luya kusebenza kwiintlawulo ezihlawulwe ukususela ngoDisemba kunyaka ozayo.

I-COLA Annual Calculations

Isixa sokunyuka kwe-COLA siya kuxhomekeka kwi-CPI-W. Ukususela ngo-1980, i-COLA yonyaka iphakamileyo njengama-14.3% (1980, ixesha lokunyuka kwamaxabiso aphezulu) kwaye liphantsi kwe-1.3% (1998). Ulawulo loKhuseleko loLuntu luchaze iindleko zokuguqulwa kokuphila kwee-0.3 ekhulwini ukusuka ngoJanuwari 2017. Inani eliphezulu lemali ehlawulwa phantsi kwentlawulo yoLuntu loKhuseleko (i-taxable maximum) iya kunyuka ibe ngama-127,200. Isamba esiphezulu semali ehlawulwa phantsi kwentela yoKhuseleko loLuntu asinakushintshwa ngo-2016 kuba bekungekho iindleko zokuguqulwa kokuhlala.

I-COLA ngo-2015 yayingu-1,7 ekhulwini. Nangona kunjalo, kwakungekho indleko yokulungiswa kokuphila ngo-2016. Kwaye ngo-2015, inani eliphezulu lemali ehlawulwa phantsi kweRhafu yoLuntu lweNtlawulo lenyuke kwi-118,500.

Ngokutsho koLawulo loKhuseleko loLuntu, "kwabasebenzi abayizigidi ezili-173 abaza kuhlawula irhafu yeNtlalo yoKhuseleko ngo-2017, malunga nezigidi ezili-12 baya kuhlawula ngaphezulu ngenxa yokunyuka kwerhafu ehlawulwayo."

Ukufumana iinkcukacha ezithe vetshe malunga nesalathisi, jonga kwimbali ye-COLA ukususela ngo-1975.

Iintlawulo kunye ne-COLA

Imali yokufumana umhlala-phantsi wezeNtlalontle yomhlalaphantsi iyanqanda ukulungiswa kunye ne-COLA. Abantu abangaphantsi kwexesha elipheleleyo lokuthatha umhlalaphantsi (oluyahlukahluka ngokweminyaka ozalelwa kuyo kodwa uneminyaka engama-66 kulabo bazalwa phakathi ko-1943 no-1954) abafumana inzuzo yeNtlalo yeNhlalakahle kwaye babuyela emsebenzini bafumana imali engama-16,920 ngo-2016 ngaphambi kokuba naliphi na ukuncitshiswa zithathwa. Ukhuseleko lwezeNtlalo ludalula i-$ 1 yonke i-$ 2 efunyenwe ngaphaya kwemali engama-16,920 emingeni ngaphambi kobudala bomhlalaphantsi.

Ukuba abaxhamli beNtlalo baxhamli ngokubhiyozela ukuzalwa kwabo abangama-66 ngo-2016, umyinge wokufumana imali ngu-44,880. Kuze kube yinyanga yokuzalwa kwakho, kuzo zonke i-$ 3 ezifunyenwe ngethuba lonyaka, iNkcazo yoLuntu iza kukhwela i-$ 1 kwiintlawulo. Xa usufikelele kwiminyaka yobudala yomhlalaphantsi, umda wokufumana umvuzo awusebenzi.