Ukhuseleko lwezeNtlalo - Indlela yokuthatha umhlala-phantsi kwangaphambili kuthintela njani iingenelo zakho

Ukuthatha umhlalaphantsi kwangaphambili kuthetha inzuzo encinci kuKhuseleko loLuntu.

Ukuthatha umhlalaphantsi kwangaphambili kunempembelelo ebalulekileyo kwindlela inzuzo yakho yeNtlalontle yeNhlalakahle ibalwa ngayo . Kwiinjongo zoKhuseleko loLuntu, umhlalaphantsi ongaphantsi komnye apho ubiza izicelo zakho ngaphambi kobudala bakho bomhlalaphantsi. Kwiinyanga zonke uhlala phantsi ngaphambi kokuhlala kwakho komhlalaphantsi , inzuzo yakho incitshiswe ngu-5/9 kwe-1% ngenyanga ngenyanga ze-36 zokuqala kunye ne-5/12 ye-1% kwinyanga nganye eyongeziweyo.

Oku kubangela inzuzo enciphise malunga ne-0.6%. Ukususela kwiminyaka yakho yobudala yokuthatha umhlalaphantsi isekelwe kunyaka wakho wokuzalwa, oku kuthetha ukuba abantu ababini abanakho ukufumana iinzuzo zabo zancitshiswa ngepesenti enye-nokuba ngaba bathatha inzuzo kwixesha elifanayo okanye ngaloo mini!

Indlela efanelekileyo yokufumana ixesha lokubamba inzuzo yakho yeNtlalo-ntle inzuzo kukuqhuba izinto ezimbalwa ezahlukeneyo "zenzenjani". Unokuqala ngokuseka i-akhawunti yakho kwiwebhusayithi yoLawulo loKhuseleko loLuntu. Ngokusekelwe kumhla wokuqala oyifunayo unokuphinda ubuyekeze oku Xa ufuna ukubiza i-Calculator Social Security Calculator.

Nantsi enye ingcaciso malunga nendlela umhlala-phantsi oqala ngayo ukuchaphazela inzuzo yakho yeNtlalo:

Ukuba ubudala bakho bomhlalaphantsi obuqhelekileyo bungama-67 (owazalwa ngexesha okanye emva kowe-1960), ngoko ke inzuzo yakho yokuqala yomhlalaphantsi iya kuncitshiswa ngeli phesenti ye-benefit yakho yomhlalaphantsi ngokuqhelekileyo kwisikolo ngasinye.

• 62: 30%
• 62 + 1 inyanga 29.6%

• 62 + 2 iinyanga 29.2%
• 62 + 3 iinyanga 28.7%
• Iinyanga ezingama-62 + 4 ze-28.3%
• 62 + 5 iinyanga 27.9%
• 62 + 6 iinyanga 27.5%
• 62 + 7 iinyanga 27.1%
• 62 + 8 iinyanga 26.7%
• Iinyanga ezingama-62 + 9 26.2%
• Iinyanga ezingama-62 + ezili-10 25.8%
• Iinyanga ezingama-62 + ezili-11 25.4%
• 63: 25%
• 63 + 1 inyanga 24.6%
• 63 + 2 iinyanga 24.2%
• 63 + 3 iinyanga 23.7%
• 63 + 4 iinyanga 23.3%
• Iinyanga ezingama-63 + ezingama-22,9%
• 63 + 6 iinyanga 22.5%

• 63 + 7 iinyanga 22.1%
• Iinyanga ezingama-63 + 8 ze-21.7%
• 63 + 9 iinyanga 21.2%
• Iinyanga ezingama-63 + ezili-10 20.8%
• Iinyanga ezingama-63 + 11 ezili-20%
• 64: 20%
• 64 + 1 inyanga 19.4%
• Iinyanga ezingama-64 + ezi-18 18.9%
• Iinyanga eziyi-64 + 3 18.3%
• 64 + 4 iinyanga 17.8%
• Iinyanga ezingama-64 + 5 17.2%
• Iinyanga ezingama-64 + 6 ze-16,7%
• Iinyanga ezingama-64 + 7 16.1%
• Iinyanga ezingama-64 + 8 ze-15.6%
• 64 + 9 iinyanga 15%
• Iinyanga eziyi-64 + ezili-14 14.4%
• Iinyanga ezingama-64 + ezili-11 13.9%
• 65: 13.3%
• 65 + 1 inyanga 12.8%
• Iinyanga ezingama-65 + 2 12.2%
• Iinyanga ezingama-65 + ezi-11,7%
• Iinyanga ezingama-65 + ezine-11.1%
• Iinyanga ezingama-65 + 5 10.6%
• 65 + 6 iinyanga 10%
• Iinyanga ezingama-65 + 7 9.4%
• Iinyanga ezingama-65 + 8 8.9%
• Iinyanga ezingama-65 + 9 8.3%
• Iinyanga ezingama-65 + ezili-10 7.8%
• Iinyanga ezingama-65 + 11 ze-7.2%
• 66: 6.7%
• 66 + 1 inyanga 6.1%
• 66 + 2 iinyanga 5.6%
• 66 + 3 iinyanga 5%
• Iinyanga ezingama-66 + 4 4.4%
• 66 + 5 iinyanga 3.90%
• Iinyanga ezingama-66 + ezi-6 3.3%
• Iinyanga ezingama 66 + 7 2.8%
• 66 + 8 iinyanga 2.2%
• Iinyanga ezingama-66 + 9 1.7%
• Iinyanga ezingama-66 + ezili-10 1.1%
• Iinyanga ezingama-66 + 11 ze-0.6%
• 67: 0%

Ukuba ubudala bakho bomhlalaphantsi obuqhelekileyo bungama- 66 (owazalwa phakathi kuka-1943 no-1954), ngoko uzuze umhlala-phantsi wakho wokunciphisa umhlalaphantsi kuya kuncitshiswa ngeli phesenti ye- benefit yakho yomhlalaphantsi ngokuqhelekileyo kwixesha elidlulileyo:

• 62: 25%
• 62 + 1 inyanga 24.6%
• 62 + 2 iinyanga 24.2%
• 62 + 3 iinyanga 23.7%
• 62 + 4 iinyanga 23.3%
• Iinyanga ezingama-62 + 5 22.9%
• 62 + 6 iinyanga 22.5%
• 62 + 7 iinyanga 22.1%
• Iinyanga eziyi-62 + 8 ze-21.7%
• 62 + 9 iinyanga 21.2%
• Iinyanga ezingama-62 + ezili-10 20.8%
• Iinyanga ezingama-62 + 11 ze-20.4%
• 63: 20.0%
• 63 + 1 inyanga 19.4%
• 63 + 2 iinyanga 18.9%
• 63 + 3 iinyanga 18.3%

• 63 + 4 iinyanga 17.8%
• 63 + 5 iinyanga 17.2%
• Iinyanga ezingama-63 + 6 ze-16,7%
• 63 + 7 iinyanga 16.1%
• Iinyanga ezingama-63 + 8 ze-15.6%
• Iinyanga ezingama-63 + 9 ze-15.0%
• Iinyanga eziyi-63 + ezili-14 14.4%
• Iinyanga ezili-63 + ezili-11 ezi-13,9%
• 64: 13.3%
• 64 + 1 inyanga 12.8%
• 64 + 2 iinyanga 12.2%
• Iinyanga ezingama-64 + ezi-11,7%
• Iinyanga ezingama-64 + 4 ze-11.1%
• Iinyanga ezingama-64 + ezi-5 10.6%
• 64 + 6 iinyanga 10.0%
• Iinyanga ezingama-64 + 7 9.4%
• Iinyanga ezingama-64 + 8 8.9%
• Iinyanga ezingama-64 + 9 8.3%
• Iinyanga ezingama-64 + ezili-10 7.8%
• Iinyanga ezingama-64 + 11 ezili-7.2%
• 65: 6.7%
• 65 + 1 inyanga 6.1%
• 65 + 2 iinyanga 5.6%
• 65 + 3 iinyanga 5%
• Iinyanga ezingama-65 + 4 4.4%
• Iinyanga ezingama-65 + 5 3.90%
• Iinyanga ezingama-65 + 6 3.3%
• Iinyanga ezingama-65 + 7 2.8%
• 65 + 8 iinyanga 2.2%
• Iinyanga ezingama-65 + 9 1.7%
• Iinyanga eziyi-65 + ezili-10 1.1%
• Iinyanga ezingama-65 + 11 ze-0.6%
• 66: 0%

Ukuba uzalwe phakathi kuka-1955 no-1959 u-Age wakho ohlala phantsi uza kuba ngolu hlobo:

• Ngo-1955: ii-66 kunye neenyanga ezimbini
• Ngowe-1956: ii-66 kunye neenyanga ezine
• Ngo-1957: ii-66 kunye neenyanga ezintandathu
• Ngo-1958: ii-66 kunye neenyanga ezi-8
• Ngo-1959: ii-66 kunye neenyanga ezili-10

Qaphela: Ukuba uzalwe phakathi kuka-1955 no-1959 unokutyelela i-website yoLawulo loKhuseleko loLuntu ukufumanisa ukunciphisa inzuzo esekelwe kunyaka wakho wokuzalwa.

Ukuba ubudala bakho bomhlalaphantsi buhlala iminyaka engama- 65 (uzalelwa ngaphambi kowe-1938), ngoko ke inzuzo yakho yokuthatha umhlala-phantsi kwangaphambili iya kuba yipesenti yomvuzo wakho wokuhlala umhlalaphantsi kwixesha elidlulileyo:

• 62: 20%
• 62 + 1 inyanga 19.4%
• 62 + 2 iinyanga 18.9%
• 62 + 3 iinyanga 18.3%
• 62 + 4 iinyanga 17.8%
• 62 + 5 iinyanga 17.2%
• Iinyanga ezingama-62 + 6 16.7%
• 62 + 7 iinyanga 16.1%
• Iinyanga eziyi-62 + 8 ze-15.6%
• Iinyanga eziyi-62 + 9 ezili-15%
• Iinyanga eziyi-62 + 10 14.4%
• Iinyanga ezili-62 + 11 ezili-13,9%
• 63: 13.3%
• 63 + 1 inyanga 12.8%
• 63 + 2 iinyanga 12.2%
• 63 + 3 iinyanga 11.7%
• 63 + 4 iinyanga 11.1%
• 63 + 5 iinyanga 10.6%
• 63 + 6 iinyanga 10%
• 63 + 7 iinyanga 940%
• Iinyanga ezingama-63 + 8 8.90%
• Iinyanga ezingama-63 + 9 8.3%
• Iinyanga ezingama-63 + ezili-10 7.8%
• Iinyanga ezingama-63 + 11 ezili-7.2%
• 64: 6.7%
• 64 + 1 inyanga 6.10%
• 64 + 2 iinyanga 5.60%
• 64 + 3 iinyanga 5%
• Iinyanga ezingama-64 + 4 4.40%
• Iinyanga ezingama-64 + 5 3.90%
• Iinyanga ezingama-64 + 6 3.3%
• Iinyanga ezingama-64 + 7 2.8%
• 64 + 8 iinyanga 2.2%
• Iinyanga ezingama-64 + 9 1.7%
• Iinyanga eziyi-64 + ezili-10 1.10%
• Iinyanga ezingama-64 + ezili-11 0.60%
• 65: 0%

Ukuhlaziywa nguScott Spann