Zamkati
- Mapindu azachitetezo cha anthu osudzulana
- Kuyanjana kwanga ndi chisudzulo ndi mwayi wokwatirana
- Chitetezo cha anthu, chisudzulo, ndi imfa
- Chitetezo cha anthu, chisudzulo, ndi okwatirana ena
- Ganizirani za kuyenerera kwanu
- 1. Zaka zanu zili mu zaka zopumira pantchito ndipo yemwe munakwatirana naye wazaka zosachepera 62
- 2. Munakwatirana ndi munthu ameneyo kwa zaka zosachepera khumi
- 3. Mnzanuyo ankagwira ntchito mwalamulo
- Yang'anani mu Social Security Records ya mnzanu wakale
Amuna ndi akazi omwe akhala m'banja zaka zopitilira khumi ndipo sanakwatirane asanakwanitse zaka 60 ali ndi mwayi wopezera banja. Pali malamulo ena omwe akukhudzidwa, koma nthawi zambiri, ndizotheka kupeza phindu pakusudzulana.
Kungoganiza kuti zinthu zili bwino monga mnzanu yemwe adalipira ndalama zachitetezo chake, munthuyo amakhalabe nzika yopanda mbiri yoti anali wolakwa. Ndi maukadaulo ena onse omwe angalepheretse kuyanjana kwachitetezo cha anthu, onse omwe ali nawo pakadali pano ndi omwe adakwatirana naye atha kupempha phindu kuchokera kwa omwe amugwirira ntchito.
Mapindu azachitetezo cha anthu osudzulana
Ku US, yemwe adakwatirana naye atha kupempha madandaulo osudzulana ngati mnzake ali ndi zaka 62 kapena kupitilira apo.
Ngati mkazi kapena mwamuna wanu wakale ali ndi chitetezo chachitetezo cha banja komanso chisudzulo, ndiye kuti mutha kukhala oyenera, kupatula zomwe zatchulidwa kale. Muyeneranso kukhala pazaka zapuma pantchito (FRA).
Phindu labwinobwino ndi 50% yazolipira za FRA.
Zitha kuchepetsedwa ngati wakale wanu akadasumira maubwino awo mwachangu. Kumbukirani kuti kuti mukhale woyenera, muyenera kukhala osakwatiwa komanso osakwatiwanso, ngati mutakwatiranso ndikulandila phindu la omwe mudakwatirana nawo, ndiye kuti ndalama zopezera ndalama zidzatha.
Imawerengedwa kuti ndi yolipirira payokha, ndipo sizingakhudze phindu lomwe mnzanu wakale ndi mkazi wake wapano (Ngati alipo) angalandire. Phindu lachitetezo cha anthu omwe banja lawo latha komanso omwe ali nawo pano amaperekedwa mosiyana ndipo sizichepetsa kapena kukhudzika.
Kuyanjana kwanga ndi chisudzulo ndi mwayi wokwatirana
Ngati mwafika pa Full Retirement Age (FRA) ndipo mukuyenera kulandira phindu lanu komanso omwe mudakwatirana nawo mutatha, mudzalandira zazikulu kapena ziwiri.
Simungasankhe yomwe mungalandire kapena samangokhalira kuphatikiza maubwino awiri.
Komabe, ndizotheka kuperekera ntchito zoletsa pazachitetezo chanu komanso kupitiliza kulandira phindu kuchokera kwa okwatirana mukamapeza ngongole mpaka mutakwanitsa zaka 70 nokha.
Ngati bwenzi lanu lili laling'ono kuposa inu ndipo mukuyenera kulandira maubwino asanafike a FDA awo, mutha kudzipezera phindu lanu ndikusintha tsiku lina (Kungoganiza kuti sanayankhe msanga) atakhala oyenerera (ndipo ngati malipiro awo ali apamwamba).
Kuyankhula mwaluso, Social Security omwe amalipira chisudzulo amangowonjezedwa kuti akhale ofanana ndi kuchuluka kwa zabwino zomwe munthuyo amapeza kapena mkazi wawo wakale.
Chitetezo cha anthu, chisudzulo, ndi imfa
Ndikothekanso kulandira maubwino osudzulana kuchokera kwa omwe adakwatirana naye kale.
Zabwino zachitetezo cha omwe mkazi kapena mwamuna wake wasudzulana amakhala ndi malamulo ena, ndipo ngati wamwalira atamwalira asanakwanitse zaka zonse zopuma pantchito, mwachidziwikire, sangapiteko.
Komabe, izi ndi zina mwazomwe zimasiyanitsidwa ndi malamulowo.
Kutengera zaka ndi mbiri / ntchito / zopereka za womwalirayo, kuthekera kofunafuna zabwino za omwe adakwatirana nawo, omwe adakwatirana naye kale, komanso ana. Nthawi zambiri, nyumba yamaliro imasungitsa satifiketi yakufa ndi Social Security, ndipo ku US mutha kuyimbira 800-772-1213 kuti mulankhule ndi woimira kuti mudziwe zambiri za kuyenerera kwa wopulumuka.
Opulumuka pachitetezo cha chikhalidwe cha omwe banja lawo latha amakhala mgulu lina. Kuti muyenerere, izi ndizofunikira.
- Ukwatiwo udakhala zaka zosachepera 10.
- Muli osachepera 60 (osachepera 50 ngati muli olumala), kapena mukusamalira mwana wa m'banja lomwe mudalipo yemwe ali ndi zaka 16 kapena wolumala asanakwanitse zaka 22 (pamenepo palibe zaka zosakwana).
- Simuli pabanja kapena, ngati mwakwatiwanso, simunatero mpaka mutakwanitsa zaka 60 (50 ngati olumala).
Palinso malamulo ndi kusiyanasiyana komwe kumakupatsani mwayi wolandila chisudzulo kapena opulumuka kuchokera kwa omwe mudakwatirana naye, nayi mndandanda.
- Ngati muli ndi zaka zosachepera 66
- Ngati mukusamalira mwana wa m'banja yemwe ali ndi zaka zosakwana 16 kapena wolumala. Mutha kulandira mpaka 75% ya zabwino za mnzanu wakale.
Chitetezo cha anthu, chisudzulo, ndi okwatirana ena
Mkazi wapano ku FRA kapena nthawi yakumwalira komanso omwe kale anali okwatirana ali ndi ufulu wolandilanso chimodzimodzi pofunsa chisudzulo cha omwe adakwatirana naye.
Kumbukirani, kuti muyenerere kufunsa phindu lamtundu uliwonse, banja liyenera kukhala zaka khumi.
Chifukwa chake kuyambira zaka 20 mpaka 60, kuthekera kotheka kwa okwatirana omwe alipo komanso omwe anali kale ndi anayi okha. Onse opindula oyenerera samakhudzidwa ndi kulipira wina ndi mnzake. Okhazikitsa malamulo okha / omwe amathandizira ndi zomwe amalemba ndizofunikira.
Poganiza kuti Cassanova ndi akazi ake anayi omwe sanakhalepo zaka khumi sanakwatiranenso, onse ali oyenera kulandira phindu potengera kuchuluka kwa zomwe a Cassanova adalemba komanso zopereka zawo.
Chiwerengero cha okwatirana pano komanso akale sichichepetsa kapena kuwonjezera zabwino zomwe angalandire kuchokera ku mfundo za Cassanova panthawi yomwe amwalira kapena FRA.
Ganizirani za kuyenerera kwanu
Zingamveke zosokoneza, koma zitha kuchepetsedwa pongoyang'ana pa kuyenerera kwanu komanso kwa mnzanu wakale. Osadandaula ngati ali pabanja pakadali pano kapena anali ndi maukwati ena m'mbuyomu, sizikhudza kuchuluka kwa zabwino zomwe mudzalandire.
Musanayang'anenso nkhaniyi ndikukambirana ndi woimira Social Security Services onetsetsani kuti muli ndi zolemba ndi umboni wa zotsatirazi.
1. Zaka zanu zili mu zaka zopumira pantchito ndipo yemwe munakwatirana naye wazaka zosachepera 62
- Zilibe kanthu ngati adanenapo kale zaubwino wawo kapena ayi.
- Zilibe kanthu kuti akwatiranso kapena ayi.
- Zilibe kanthu kuti muli pabanja kapena ayi.
2. Munakwatirana ndi munthu ameneyo kwa zaka zosachepera khumi
- Wokwatirana movomerezeka papepala, zilibe kanthu kuti unali wosangalala kapena ayi.
- Zilibe kanthu kuti banja lithe.
- Zilibe kanthu kuti Alimony kapena Child support adalipira.
3. Mnzanuyo ankagwira ntchito mwalamulo
- Zilibe kanthu kuti ntchito yawo inali yotani, bola ngati kampaniyo idalipira Ndalama Zachitetezo Chawo.
- Zilibe kanthu kuti mnzanuyo ndiwodzigwira yekha, bola ngati Zopereka zidalipira.
Yang'anani mu Social Security Records ya mnzanu wakale
Chofunika ndizolemba za Social Security. Kuyenera kwawo pantchito ndi kufunsa koyambirira!
Mabungwe achitetezo amtundu wa anthu adzakudziwitsani za nkhaniyi ndipo zidzakhudza kuchuluka kwa ndalama zomwe mumalandira, kapena ngati inu kapena mnzanu wakale muli oyenera kulandira zabwinozo poyamba.Zachidziwikire, ngati mnzanu sali woyenera, zilibe kanthu kuti ndinu woyenera.
Chitetezo chachitetezo chamabanja chimakhala ndi zofunikira zambiri, koma zithandiza anthu ambiri atapuma pantchito.
Kuwerenga Kofanana: Kuwongolera Momwe Mungapezere Zolemba Zachisudzulo