Ukuphulwa kweenguqu eziza kuKhuselo loLuntu ngo-2017
Nangona ikusasa elide leprogram lihlala lingacacile, utshintsho olucacileyo kwinkqubo yonyaka ka-2017 lukhutshwe yiNtlawulo yoKhuseleko loLuntu ("SSA") ngo-Oktobha.
Abantu bonke ubudala, ukusuka kubakaki bonke abangenayo, kunye nazo zonke iintlobo ezahlukeneyo zokucima umhlala-phantsi kufuneka bazi ukuba utshintsho, njengoko lusithintela sonke.
Nantsi ukuphazamiseka kwezitshintsho kwiKhuseleko loLuntu oluqalisa ukusebenza kulo nyaka:
Ixesha elipheleleyo lokuthatha umhlala-phantsi liya kwanda: Le nto ayimangalisi. Kungenxa yokuba sele idlule iminyaka engamashumi amathathu ukususela kwiCongress yatshintsha umthetho ukutshintsha iminyaka epheleleyo yokuthatha umhlalaphantsi - ubudala apho ufaneleke ukufumana i-100 ekhulwini leenzuzo zakho zenyanga. Kodwa abahlala kumakhaya abazalwa ngowe-1955, ke, banokumangalisa ngo-2017 ukuba banokugqiba ukufaka iifowuni kwizibonelelo zakuqala kwiminyaka engama-62. Kutheni? Ukususela ngo-2017, iminyaka yobudala yomhlalaphantsi iya kunyuka ngeenyanga ezimbini kwabo bazalwa ngo-1955, ukuya kuma-66 kunye neenyanga ezimbini. Ukunyuka kweenyanga ezimbini kuza kuqhubeka kunyaka ngamnye olandelelanayo, oku kuthetha ukuba abahlala phantsi abafake izicelo zeNkcazo zokuSondeza kweNtlalo babone ukunciphisa okukhulu kunenzuzo yabo ngenyanga.
I-flip ecaleni ukuba iingeniso eziphezulu-eziyeke ukuveliswa ngama-70 ubudala-aziyi kuphinda zikhuphe kuma-132 ekhulwini we-full benefit pension age. Endaweni yoko, i-2017 iya kuqalisa i-cap entsha kwindawo engama-124 ekhulwini kunye ne-132 ekhulwini. Esi sikhokelo siya kuqhubeka iminyaka emihlanu ezayo.
2. Inzuzo enkulu yenyanga iya kunyuka: Nangona inzuzo yakho yenyanga isekelwe kwimbali yakho yemali yokufumana imali , kukho inkokhelo malunga noKhuseleko lweNtlalontle nabani na ongayifumana inyanga nganye.
Ngo-2016, inzuzo ephezulu yayingama-2,639 ayi-$. Ngo-2017, eli nani liza kunyuka libe li-$ 2,687 elingaphezulu kwe-$ 68 ngenyanga. Ukongezwa okuthobekileyo kungabonakali kukufanelekile ukuphawula, kodwa kufana nokunyuka kwe-$ 576 ngonyaka. Kwabahlali abahlala kumxhelo oxhomekeke kuKhuseleko loLuntu njengomthombo wabo wenkcitho engenayo, le nto iyingcipheko eyamkelweyo ekunciphiseni kwindleko ephezulu eyenzeka ngo-2016.
3. Abantu bafumana (abancinci) baphakanyiswe: Abaninzi abakhulileyo banqumla unyaka ngamnye odlulayo ngaphandle kweendleko zokulungiswa kokuphila ("COLA") kwizibonelelo zabo. Iindaba kwi-COLA ka-2017 ngumxhasi oxubekileyo. Iindaba ezilungileyo kukuba kuya kuba nokulungiswa kwe-COLA ka-2017; Iindaba ezimbi kukuba kukunyuka kuncinci kwirekhodi. Ngokutsho kwe-SSA ye-press release, i-COLA iya kuphakama ngo-0.3%. Ukusuka kwiingqikelelo ezibonelelwe ngu-SSA, umqeshwa osemhlalaphantsi ufumana i-$ 1,350.64 ngenyanga, ngokulingana nokunyuka kweenyanga ezi-$ 4.05 ngokusekelwe kwi-COL3 ye-0.3%. Kodwa, yonke into encinane ibalwa, kunjalo?
4. Kuya kufuneka usebenze kancinci ukufumana izibonelelo zakho: Kuthetha ukuthini oku? AmaMerika kufuneka asebenze ebomini babo ukuqinisekisa ukufumana uxanduva lweNtlalo yoluntu emva koko. Isibalo abasebenzela ukusibhokozela sisithuba seminyaka engama-40 esikolweni. Ezi nkcazo zibalwa ngokusekelwe kumvuzo wethu wonyaka, kwaye sifanelekile ukufumana iimali ezine zonyaka.
Ngo-2016, ukwenzela ukuba ufumane ubuninzi beempawu zentlalo yoKhuseleko lweNtlalo, umqeshwa kufuneka athole ubuncinane i-$ 5,040 ye-$ (eyi-$ 1,260 ngomsebenzi wesikweletu). Lo mbundu weengxowa-mboleko uza kunyuka kwi-5,200 ye-2017, oku kuthetha ukuba abantu baya kufuneka bafumane i-$ 160 eyongezelelweyo kunyaka ukufumana zonke iikredithi zomsebenzi ezine.
5. Abahlala kwixesha lokuqala baya kubona ukwanda kwimiqathango yokubamba umhlala-phantsi: Mhlawumbi akukho into eyaziwayo kukuba abahlala kumhlala-phantsi abathabatha imali yokuthatha umhlalaphantsi baxhomekeke ekunciphiseni inzuzo xa bekhetha ukuqhubeka besebenza. Ngokomzekelo, ngowama-2016, abahlala phantsi bathatha iindleko zokuqala babe ne-$ 1 kwizibonelelo ezixhaswe kwi-$ 2 nganye kwimali engenayo engaphezulu kwe-$ 15,720. Ngo-2017, le mingcele iya kuba phezulu. Iifayile zangaphambili zifumana i-$ 16,920, okanye i-$ 100 ngaphezulu ngenyanga ngaphambi kokuba nayiphi na inqaba iqala ukukhaba.
Abantu abacebileyo baya kuhlawula ngakumbi kwinkqubo: Bonke abadala basebenzayo benza iminikelo kwiNgxowa-mali yeNtlalo yeNtlalo ngendlela yeentlawulo zerhafu. Ngokuqhelekileyo, irhafu yokuhlawula i-12.4 yepesenti ngenzuzo phakathi kweebakaki ze-$ 1 ukuya kwi-118,500 zama-$. Ngeniso engenayo efunyenwe ngaphezu kwe-118,500, akukho ntlawulo yeNtlalo yoKhuseleko. Ngaphantsi kwolu hlobo, malunga neepesenti ezingama-90 zamaMerika babehlawula irhafu kuwo wonke umvuzo wabo. Iipesenti ezili-10 ezisele zihlawula ipesenteji encinci yemali eyayifumanayo ngenxa yokuba zenze ngaphezu kwemali eyi-118,500. Ngo-2017, siza kubona utshintsho kule nqaku ephezulu. Inani eliphezulu lokuhlawula irhafu liya kwanda ukuya kuma-127,200, oku kuthetha ukuba abasebenzi abongezelelekileyo baya kuhlawula ngaphezulu kwiNtlalo yoKhuseleko kune-2016.
7. Ubunzima bokukhubazeka luya kwanda: Iintlawulo zoKhuseleko lweNtlalo zifana nomhlalaphantsi, kodwa ziyafumaneka kubantu abakhubazekile nabangakwazi ukusebenza. Ngo-2016, abantu abangaboniyo imfama babefanele bafumane i-R1,130 okanye ngaphantsi kwenyanga ukuba baqwalaselwe ngeniso yokukhubazeka kwi-SSA. Isibalo semfama sasingu-1,820 yeenyanga ngenyanga. Ngo-2017, le miqobo ifumana abantu abakhubazekile-abangaboniyo imfama banokufumana imali engaphezulu kwama-40 ngenyanga, okanye i-$ 1,170, kwaye bafanelekile ukufumana izibonelelo ezivela kwi-SSA. Okwangoku, abantu abangaboniyo baya kubona ukwanda kwama-130 ngenyanga, bazisa umyinge wabo kwi $ 1,950.