Kuzama ukuthatha umhlalaphantsi kwangethuba, kodwa izibonelelo zakho ziya kuthintela.
Ukuthatha umhlalaphantsi kwangaphambili kuthetha ukuba unokufumana ubuncinci
Iingqikelelo ozibonayo kwiNgxelo yakho yoKhuselo loLuntu zisekelwe ekusebenzeni kwada kudala. Umzekelo, ukuba isitatimende sakho seNtlalo soKhuseleko sithi uya kufumana i-$ 1,100 ngenyanga eneminyaka engama-62 ubudala, loo ngqikelelo ithatha usebenze de ube u-62.
Isixa esitshoyo uza kufikelela kuma-66 okanye kwisi-67 sisebenza ude ude uneminyaka engama-66 okanye i-67. Oku kuthetha ukuba uthatha umhlala-phantsi kwangaphambili iimpalelo zakho zinokuba ziphantsi koko ubonayo kwisitatimenti sakho.
Izinzuzo zoKhuseleko loLuntu zibalwa ngokusekelwe kwiminyaka emashumi amathathu anesihlanu emlandweni wembali, kunye neyona ephakamileyo ye-35 enqunywe emva komnyaka ngamnye womsebenzi sele ihlawulwe kwi-inflation. Ukuba uthatha umhlalaphantsi kwangaphambili kwaye awunayo imbali epheleleyo yeminyaka emashumi mathathu anesihlanu yembali yomsebenzi, iintlawulo zakho zoKhuselo lweNtlalo zingaphantsi kunokuba usebenza ixesha elide.
Nangona uhlala phantsi, qaphela ukuba uthathe uxolo loLuntu kwi-62 ubudala ngaphandle kokuhlalutya kuqala. Kwiimeko ezininzi, kungcono ukufumana ezinye iimithombo zemali zokusebenzisa umhlalaphantsi kwangaphambili ukwenzela ukuba ulibazise ukuqala kwezibonelelo zakho. Oku kunokukunceda ekukhuphekeni kwemali kamva ebomini.
Unokuthatha umhlalaphantsi kwangethuba kwaye unokulibaziseka ukhuseleko loluntu
Unokuthatha umhlalaphantsi kwangaphambili kwaye ulinde kuze kube yiminyaka emva ukuba uqale iintlawulo zakho zeNtlalo .
Oku kubaluleke kakhulu kwiibini ezitshatileyo ezifuna ukuqinisekisa ukuba iqabane eliphilayo lifumana inzuzo enkulu xa usuhambe. Inzuzo ephezulu yenyanga phakathi kokubini kuni iya kuba yindleko yenzuzo yokusinda xa omnye wenu edlulayo - ngelo xesha, uya kufumana kuphela inani elixhamlayo lexabiso - kungabi zixa zombini.
Ngenjongo yokwandisa inzuzo yokusasaza kwindoda, uya kufuna ukuba umntu ophakamileyo ubalekele ukuqala kwezibonelelo ukuya kuma-70 ubudala ukuba kunokwenzeka. Xa utshatile, umthengi ophantsi, nangona kunjalo, kufuneka aqale ukuqala izibonelelo zawo ngaphambili.
Iintlawulo zempesheni zingahla xa unelungelo lokhuseleko loluntu
Ezinye izicwangciso zempesheni zibonelela ngenzuzo enkulu ngenyanga xa uthatha umhlalaphantsi kwangaphambili; inzuzo yempesheni ngokuzenzekelayo iyahla xa ufanelekile ukudweba ngoKhuselo loLuntu. Ukuba awukwazi oku, unokucinga ukuba uya kufumana inzuzo yakho yomhlalaphantsi kunye noKhuseleko loLuntu.
Azikho zonke iipensheni ezisebenza ngale ndlela, ngoko ke uye kuzo zonke iiklasi okanye iisemina ezibonelelwa ngumqeshi wakho ukuze uqonde ngokupheleleyo ipension yakho kunye neenzuzo zezempilo ngaphambi kokuthatha umhlalaphantsi kwangaphambili. Buza imibuzo emininzi, kwaye usethe ukuqokwa komntu omnye kunye neenzuzo zomcebisi okanye HR (umntu osebenzayo) ukuba unako.
Ukongezelela, ukuba usebenza kwimfundo okanye kwiphondo okanye urhulumente, qaphela xa uqala ukufumana inzuzo yakho yeNtlalo yeNtlalo inokuba yinto engaphantsi kwento echazwe ngxelo yakho ngenxa yezinto ezibizwa ngokuba yi-Windfall Elimination Provision kunye / okanye iPension Pension Ukucinywa. Oku kwachaphazela umama, owayengutitshala iminyaka engama-43.
Wayekulindele ukufumana ipensheni yakhe kunye ne-1,300 yeenyanga ngenyanga kwiNtlalo yoKhuseleko. Watshitshiswa xa efunda ukukhuselwa kweNtlalontle yeNtlalontle bekuya kuba ngaphantsi kweedola ezingama-300 ngenyanga ngenxa ye- Offset Offset ye-Pension esebenzayo xa ufumana ipenshoni ngeminyaka yomsebenzi apho ungazange uhlanganiswe phantsi kweNkqubo yoKhuseleko loLuntu.
Ukusebenza ngexesha lokuthatha umhlalaphantsi kwangaphambili kunokunciphisa ukhuseleko lwakho loluntu
Ukuba ucwangcise ukusebenza kwithuba lesithuba ngexesha lokuthatha umhlalaphantsi kwangaphambili, inzuzo yakho yeNtlalo-ntle inokunciphisa. Ukunciphisa kusekelwe kwinto ebizwa ngokuba yi-Social Security limit limit and it applies only if you have not yet reached full age pension. Ukuba ingeniso yakho iphezulu kunomda, iinzuzo zakho ziya kuncitshiswa. Olu nciphiso lusebenza kuphela de ufikelele kwiminyaka yakho yokuhlala umhlalaphantsi, eneminyaka engama-66 ukuya kuma-67 kubantu abaninzi. Xa usufikelele kwiminyaka yobudala yomhlala phantsi unako ukufumana nayiphi na imali kunye nezibonelelo zakho aziyi kuncitshiswa.