Ezi zinto ezine ziyakunceda ukuba wenze isigqibo sokuba uza kuthatha nini i-Social Security.
- Ngaba uya kusebenza phakathi kweminyaka engama-62 kunye nobudala bakho obuhlala phantsi?
- Ubomi bakho obude
- Indawo yakho yomtshato
- Umnqweno wakho wokukhusela amandla akho okuthenga xa uhlala ixesha elide kunokuba ungalindela
Ngezantsi ungabona indlela nganye yezinto ezine ezichaphazela imeko yakho, kwaye uya kufumana imizekelo ethile kunye namanani.
I-Incarnation Income ngaphambi kobudala 66 okanye 67
Ukuba awuzange ufikelele kwiminyaka yakho yokuhlala umhlalaphantsi njengoko kuchazwe nguKhuseleko loLuntu (kubantu abaninzi malunga ne-66 ubudala okanye 67) kwaye usasebenza, mhlawumbi akunakuqonda ukuba uqale ukufumana inzuzo yakho yeNtlalo yeNtlalo.
Ngoba? Kungenxa yokuba ukuba ufumana imali yeNtlawulo yeNhlalakahle yeNhlalakahle, iintlawulo zakho zeNtlalo-ntle ziya kuncitshiswa. Omnye ufikelela kwixesha elipheleleyo lomhlala-phantsi izibonelelo zakho aziyi kuncitshiswa ngaphandle kweminye ingeniso ongayifumana (nangona iifom zakho zihlawulwa irhafu.)
2. Ubomi bokulindela
Ukuba uhlala kwixesha lakho lokuphila eliqhelekileyo, kholwa okanye cha, uya kufumana umlinganiselo ofanayo nokuba uthatha i-Social Security ekuqaleni, okanye ulinde emva koko ukuba uyithathe. Ukubona indlela oku kusebenza ngayo, kunceda ukujonga umzekelo usebenzisa iinombolo zangempela, ezinje ngezantsi.
UGeorge uneminyaka engama-61 ubudala kwaye unquma ukuba uza kuthatha nini i-Social Security.
Nazi iinombolo ezivela kwiNkcazo yakhe yoKhuseleko loLuntu ekuboniseni oko uya kufumana ngexesha elingakanani:
- Ubudala be-62: i-$ 1,643 (i-19,716 zamawaka ngonyaka)
- Umdala wama-66: i-$ 2,238 (i-$ 26,856 ngonyaka)
- Umdala 70: i-$ 3,009 (i-36,108 zamawaka ngonyaka)
Umntu omdala oneminyaka engama-62 unelungelo lokuphila iminyaka elilishumi elinesithoba, okanye ukuya kuma-81. Ukhuselo lweNtlalo lubiza indleko yokuguqulwa kokuphila okunika ukwanda kweenzuzo kwiminyaka, kodwa ngoku, siya kukunyaniseka.
Makhe sijonge ezintathu iindlela:
- Kucinga ukuba uGeorge uqala ukufumana iinzuzo kwi-62. Ufumana i-$ 1,643 ngenyanga, okanye i-$ 19,716 ngonyaka, iminyaka engama-19. Ufumana i $ 374,600.
- Ukuba ulinda kude kube ngama-66 ubudala, ufumana i-$ 2,238 ngenyanga, okanye i-$ 26,856 ngonyaka, iminyaka eyi-15 (ukuya kuma-81). Ufumana i $ 402,870.
- Ukuba ulinda de kube yiminyaka engama-70, ufumana i-$ 3,009 ngenyanga, okanye i-$ 36,108 ngonyaka, iminyaka eyi-11 (ukuya kuma-81). Ufumana i-397,190 yezigidi.
Isishwankathelo:
- $ 374,600 ukuba waqala izibonelelo ezineminyaka engama-62
- $ 402,870 ukuba waqala inzuzo kuma-66 ubudala
- $ 397,190 ukuba waqala inzuzo kwiminyaka engama-70
Kucacile ukuba, ukuba uGeorge uphila ubomi obude, ukhulisa iholo lakhe ngokufumana iiNtlawulo zeNtlalo kwixesha lakhe elipheleleyo lomhlalaphantsi, iminyaka engama-66 kwimeko yakhe.
Xa ubangela ukunyuka kwezinto ezinokubakho ngenxa yeendleko zokulungiswa kokuhlaliswa koLondolozo lweNtlalo, ukulinda ixesha elide ukuthatha iNkxaso yoLuntu kubonakala ngcono.
Ngeendleko zokuguqulwa kokuphila kwe-2% ngonyaka, kunye nokuhlala kulindeleke ukuba uphile, uGeorge wayekulindela imali elandelayo.
- $ 450,320 ukuba waqala inzuzo kwiminyaka engama-62
- U- $ 502,720 ukuba waqala izibonelelo kuma-66 ubudala
- $ 514,800 ukuba waqala izibonelelo kwi-70 ubudala
Ukuba uGeorge uhlala eneminyaka eyi-81, uya kwandisa ingeniso yakhe yokuphila ngokulinda de ukuya kwiminyaka engama-70 ukuba aqalise ukufumana inzuzo yeNtlalo yeNtlalo.
(Kwimeko yeGeorge, ukuphuka kwakhe iminyaka yobudala eyi-80, oku kuthetha ukuba ukulinda kude kube neminyaka engama-70 ukuqala izibonelelo, kufuneka aphile iminyaka engama-80 ukuze athole iirandi ezilinganayo eziza kufunyanwa ukuba waqala ukuthatha inzuzo ngaphambili.)
Khangela isethi esipheleleyo seengcamango ezivela kule manani kwi-PDF Xa Uthabatha Uhlalutyo Lwezentlalo-ntle.
Kukho iindidi ezininzi zeedola, kwaye ngokuqinisekileyo akukho mntu owaziyo ixesha lokuphila ngokuqinisekileyo. Nangona kunjalo izinto ezithile zempilo kunye neendlela zokuphila ziyakuchaphazela ixesha lakho lokuphila. Kanye njengokuba inkampani yomshuwalense yayiza kubhala phantsi, ndiyakucebisa ukuba uhlalutye ngexesha lakho lokuphila, usebenzisa i- calculator yokuhlala ixesha eliza kukubuza imibuzo yempilo kunye neyokuphila.
Isimo somtshato
Kwiingoma, ukulindela ubomi ngenye yezinto ezibalulekileyo zokuqwalasela.
Uphulo-nokuba luhlalutyo olusekelwe kwixesha elide lokuhlala ngalo lingaba yindawo efanelekileyo yokuqala yeSigqibo soKhuseleko loLuntu kwii-single . Imirhumo kufuneka iqwalaselwe kwakhona. Yikholwa okanye akunjalo, kuba abanye abantu belibazise ukuqala koKhuselo loLuntu kunye nokukhutshwa kwee-akhawunti zomhlalaphantsi kwangaphambili kunokubonelela ngeentlawulo zerhafu ezingaphezulu.
Izibini ezitshatileyo zeNtlalo yoKhuseleko akulula nje . Indlela yokufumana inzuzo yomntu osasazeka ngoKhuseleko loLuntu, xa usatshatile, ekufeni komlingane wokuqala, umlingane ohlalayo unokugcina enkulu inzuzo yakhe okanye inzuzo yomlingane. Ngenxa yoko, kukho iindlela zokubambisana ukuba zilungelelanise njani kwaye nini na ngamnye zithatha inzuzo ukuze zifumane ngaphezulu njengesiqabane.
4. Isifiso sokukhusela amandla okuthenga
Uninzi lwabantu lufuna ukuqokelela iintlawulo zabo zeNtlalo ngokukhawuleza xa zifanelekile, ezise-62. Benza isigqibo ngaphandle kokuqonda imiphumo emide. Ukuba ufanele uphile kakuhle kuma-80 akho, ulahlekelwa kuyo yonke indawo ukusuka kwi $ 50,000-$ 150,000 kwingeniso eyongezelelweyo ngokwenza isigqibo esiphuthumayo malunga nokuqokelela izinzuzo zakho zoKhuseleko loLuntu.
Iintlawulo zoKhuseleko lwezeNtlalo zinokuhlengahlengwa kweendleko ezakhiweyo kubo, oku kuthetha ukuba ingeniso yeNhlalakahle yeNhlalakahle iya kwanda ngexabiso lentengo. Ukwenza uninzi lweenzuzo zakho zoKhuseleko lweNtlalo ngokulibazisa usuku lwakho lokuqalisa lunokukunika inani elikhulu lokukhusela ingeniso kamva ebomini.