Inani leNzuzo lihluka ngoxhomekeke kwixesha lakho lokuhlala phantsi komhlalaphantsi.
Nantsi indlela le nto isebenza ngayo neziseko ezisemgangathweni kwiNkcazo yoKhuseleko lweNtlalontle iminyaka engama-60 ukuya ku-70.
Umhlala-phantsi woKhuseleko lomhlala-phantsi 60, Ukuba ungumhlolokazi / Umhlolokazi
Ukuba ungumhlolokazi okanye umhlolokazi, unokufumana inzuzo yezeNtlalontle yomhlala-phantsi emva kweminyaka engama-60. Ukuba awuzange ufikelele kwiminyaka yakho yokuhlala umhlalaphantsi, kwaye usasebenza kwaye ufumana imali engaphezulu komyinge wokufumana umvuzo, izabelo zakho ziya kuncitshiswa. Xa usufikelele kwiminyaka yobudala yomhlalaphantsi, akuyi kuphinda kuncitshiswe ukunciphisa, kungakhathaliseki ukuba usebenza phi kwaye ufumane. Abo basebenzayo baya kufuna ukucinga ukulinda kude kube yiminyaka yabo yokuhlala umhlala-phantsi ukuze baqalise ukufumana umhlolokazi / umhlolokazi.
Enye into efumanekayo kubafelokazi / abahlolokazi kufuneka ifake isicelo esipheleleyo , oko kuthetha ukuba unokuqala olunye uhlobo lwenzuzo, njengokuba usufumana uncedo, kwaye xa usufikelela kwiminyaka engama-70, unokutshintshela ngaphezulu kwisixa sakho somhlala-phantsi xa isixa esikhulu.
Ubuninzi bokuQiniseka koLuntu kuLungelelwaneminyaka yobudala eyi-62
Nangona ungaqalisa izibonelelo malunga no-62, oko akuthethi ukuba ufanele uqale ukuwathatha kuloo minyaka.
Nangona uneminyaka engama-62 yimihla yokuqala yokuthatha umhlala-phantsi kwezeNtlalo, ungaqala izibonelelo ozakufumana inzuzo encitshisiweyo kule minyaka. Ukuba ufuna ixabiso elikhulu lemali engenayo emva kokuthatha umhlalaphantsi, ulinde ukuqala iingeniso uze ube neminyaka embalwa emdala uya kuqonda. Khumbula, nokuba ngaba uthatha umhlalaphantsi, unokulinda ukufaka isicelo soKhuselo loLuntu kuze kube yilapho udala (iminyaka engama-70) ukuze ufumane inzuzo ephezulu.
Enye yezona ndlela ezilungileyo zokuqinisekisa ukuba unomlinganiselo ophezulu wokufumana imali ehlaziywe ngamaxabiso emveni kamva.
Kwakhona, ukuba uthatha iNkcazo yeNhlalakahle kule minyaka yobudala, kwaye unemivuzo engaphezu kweyomyinge we-Social Security umvuzo, inzuzo yakho yoKhuseleko loLuntu iya kuncitshiswa. Xa usufikelele kwiminyaka yobudala yokuthatha umhlalaphantsi (enqunywe ngumhla wokuzalwa kwakho), akukho nciphiso kwiintlawulo zokuqhubeka nokusebenza kungakhathaliseki ukuba wenza ntoni.
Unokufaka isicelo soNcedo lwezeNtlalontle yomhlala-phantsi naliphi na ixesha emva kokufikelela kwiminyaka engama-62. Xa usufikelela kwiminyaka engama-62, cinga nje ngobhaliso oluvulekile; ungaqalisa nanini na. Awunelanga ukulinda de kubekho elinye ixesha elimisiweyo.
Umhlala-phantsi opheleleyo (iminyaka yobudala 65-67 ngokuxhomekeke kuMhla wokuzalwa)
Ubudala bakho bokuhlala umhlalaphantsi bunqunywe ngumhla wakho nomnyaka wokuzalwa. Yilona unyaka apho ufumene inani lakho elipheleleyo loNcedo lweNtlalo. Kulo nyaka unqabile ukuthatha izibonelelo zakho kwiminyaka yobudala beminyaka yomhlalaphantsi kude kube ngama-70 ubudala inani lakho lenzuzo liya kwanda ngo-8% ngonyaka. Ikhutshelwa njengetyala lokubambisa umhlala-phantsi. Olu konyuka lunokubangela ukuba ufumane imali engaphezulu yokuphila kwakho kunye nomlingane wakho. Nangona emva kokubuyisela ukubuyisela imali kwiingeniso-mali kunye neenzuzo zenyanga ozifunyenayo ukuba uthe waqala kwangaphambili, kunokunyuka kwama-$ 50,000- $ 100,000 kwenyuka kwiinzuzo zobomi ngokulinda uze ude uqale ukufumana izibonelelo zakho.
Umdala wama-70 - Lindela kwaye uqokelele iiKredithi zokuKhathalela umhlalaphantsi
Xa ufumana iminyaka engama-70 uya kufumana inani eliphezulu leenzuzo onokufumana kwiKhuseleko loLuntu. Akunangqiqo ukulibazisa umhlala-phantsi wakho wokuhlala umhlala-phantsi kwiminyaka engama-70 ubudala. Ulindele kude kube yiminyaka engama-70 ukuqala uKhuseleko lwakho lweNtlalo xa utshatile kwaye ziphumo eziphezulu kwi-spouse yakho.
Cinga ngobudala obunokuthi uncedo ngokubaluleka. Iinkonzo zakho zoKhuselo lweNtlalontle zifaneleke ngakumbi kunokuba ucinga. Uthatha isigqibo malunga nemali eninzi. Kwiimeko ezininzi, awukwazi ukutshintsha ingqondo yakho njengenzuzo yeNtlalo yeNtlalo ayinakulungiselelwa ukuma nokuqalisa.