N'chifukwa Chiyani Muyenera Kupempha Malangizo Olemala?
"Ndichifukwa chiyani ndikufunsira zopindulitsa zaumphawi za Social Security ngati bwana wanga kapena kampani ya inshuwalansi akulipira kale?" Anthu zikwizikwi a ku America omwe ali olumala omwe sadziwa yankho la funso limeneli ndi osasintha okha. Ndipo kotero olemba ntchito omwe sazindikira kuti alibe kusowa kwa Social Security amawagulitsa gawo lalikulu la antchito awo; zopindulitsa kusiyana ndi zofunikira.
Jim Allsup, pulezidenti ndi CEO wa Allsup Inc., kampani yovomerezeka kudziko lonse, anafunsidwa kuti ayankhe funso ili. Malinga ndi a Mr. Allsup, anthu olemala amafunika kudziwa ndi kumvetsetsa madalitso asanu omwe ali oyenerera kulandira ndi kulandira zopindulitsa zaumphawi wa Social Security-zomwe zingakhale zosatheka kupyolera mwa abwana kapena ndondomeko yolepheretsa kampani ya inshuwalansi. Olemba ntchito omwe amamvetsetsa ubwino umenewu ndikuthandiza antchito awo kumvetsetsa , adzapindula.
# 1) Kuwonjezeka kwa mwezi ndi mwezi
Zopindulitsa za nthawi yaitali kapena zopuma za penshoni kuchokera kwa abwana kapena kampani ya inshuwalansi sizimasinthidwa kuti apite kuntchito. Komabe, kulemala kwa Social Security kumapindulitsa pamene kusintha kwa Social Security kulipira ndalama. Pamene Index ya Mtengo wa Ogulitsa amawonjezeka peresenti inayake, zopindulitsa za Social Security zimatsatira. Komabe, malipiro a mwezi uliwonse amachokera ku ntchito ya abwana nthawi zambiri amakhalabe ofanana.
Ngati wogwira ntchito olumala akulandira $ 1,000 pamwezi kuchokera kwa abwana, zaka khumi kuchokera pano, wogwira ntchitoyo adzalandira malipiro a $ 1,000 pamwezi mosasamala kanthu za kupuma kwa ndalama.
# 2) Kuwonjezeka kwapuma pantchito ndi opulumuka opindula
Ulemale wachitetezo chaumtunduwu umaloledwa "kumasula" chiwerengero cha anthu otetezedwa ndi Social Security.
Mwa kuyankhula kwina, nthawi yomwe munthu amalandila zopindulitsa za Social Security samawerengedwa ngati nthawi yomwe munthuyo amagwiritsidwa ntchito. Ndili ndi abwana kapena mapulani a kampani ya inshuwalansi, izi siziri choncho. Izi ndizofunikira chifukwa phindu la tsogolo-Social Security retrait benefits, odalira; phindu kapena ngakhale wolumala wotsatira kapena opulumuka; Mapindu amawerengedwa molingana ndi ndalama zomwe munthu amapeza panthawi yake; Mwachitsanzo, zaka 35 zapitazo.
Ngati kulibe malipiro kwa miyezi kapena zaka zingapo chifukwa cha kulemala ndipo nthawi yomweyi ikuphatikizidwa mu chiwerengero, chiwerengero chidzakhala chotsika ndipo phindu lopindulitsa lidzakhala lotsika. Chifukwa Social Security sichiwerengera nthawi imeneyi, palibe zotsatira zolakwika pafupipafupi.
# 3) Ndalama Zopanda Misonkho
Kupindula kumeneku kumaphatikizapo momwe kulipira kwapadera kumalipilira phindu lalemale.
Mwachitsanzo, ngati munthu akulipiritsa ndalamazo pazaka zomwe akugwira ntchito kunja kwa misonkho, ndiye kuti kupindula kwa nthawi yaitali sikulipira msonkho. Ngati munthu sadalipire malipiro (koma adalipidwa ndi chitsimikizo china), kapena ngati munthuyo adalipiritsa ndalama zake zisanapereke msonkho, ndiye kuti kupindula kwa nthawi yaitali kumapereka msonkho pokhapokha atalandira.
Kuphatikizanso, 50 peresenti ya chithandizo chaumphawi cha Social Security ndiyenso kulipira.
# 4) Medicare Coverage
A 25 peresenti ya ogwira ntchito masiku ano amapereka chithandizo chamankhwala kwa ogwira ntchito awo ndipo abwana ambiri amapereka chitetezo cha COBRA pa ulemala. Lamulo la COBRA limapereka lamulo kuti wogwira ntchito akhoza kugula miyezi 18 yathanzi pochoka ku kampani. Komabe, ngati munthu akuyenera kulemala kwa Social Security m'miyezi 18 yoyambirira ya kufalitsa kwa COBRA, miyezi khumi ndi iwiri ya COBRA ingagulidwe. Choncho, kupeza chilema cha Social Security kungapereke munthu kuchipatala kwa miyezi 29 chibvomerezo chitatha.
Munthu wolumala, mosasamala za msinkhu wake, ndiye akuyenera kulandira chithandizo cha Medicare pamene COBRA imatha. Mankhwala a Medicare akuphatikizirapo gawo la A phindu la chipatala ndi gawo la B phindu la zachipatala, lomwe, powonjezeredwa ku inshuwalansi yowonjezera, lidzawonjezera chitetezo cha inshuwalansi. (Zindikirani: Mabizinesi ena sangathe kupereka chithandizo cha COBRA, monga awo omwe alibe phindu ndi omwe ali ndi antchito ocheperapo kusiyana ndi ndalama zofunikira za federally.)
# 5) Kukonzekera kwa Ziphunzitso ndi Kulimbikitsanso Kugwira Ntchito
Pamene Social Security imavomereza kuti munthu ali ndi ubwino wolemala , zimatsimikiziridwa kuti zingatheke kuti vuto la munthuyo lidzasintha. Ngati chikhalidwe cha munthu chikukula pamene akugwira nawo ntchito yowonzanso ntchito, izi zikhoza kumuthandiza munthuyo kuti adzirikize yekha. Phindu la Social Security lingapitirize mpaka pulogalamuyo itatha. Ngati chithandizo cha zachipatala sichiyembekezeredwa, munthu adzalandira ntchito yoyesera.
Mlanduwu umalola munthu kubwerera kuntchito popanda malire pa mapindu kwa miyezi isanu ndi iwiri. Pambuyo pa nthawiyi, nthawi yachisomo ya miyezi itatu imaloledwa, pomwe munthuyo apitirize kugwira ntchito, pomwe munthuyo akuyesa. Ngati kafukufuku atsimikizira kuti munthuyo ali wolumala, munthu ameneyo angalandire chithandizo chakale pamwezi uliwonse ngati pali mwezi uliwonse m'zaka zitatu zotsatira zomwe iye sapeza $ 500 kuchokera kuntchito.
Kotero ndi chiyani kwa abwana? Olemba ntchito ayenera kukumbukira kuti, pamene wogwira ntchitoyo akuyenerera kulumala kwa Social Security, phindu la olemala lopatsidwa ntchito limachepetsedwa ndi ndalama zoyambirira zoperekedwa ndi Social Security. (Kuwonjezereka kwa moyo kumakhala kosawerengeka.) Izi zotsutsa zimatsimikizira kuti mtengo wa phindu umagawidwa ndi antchito ndi abwana ake. Ndi njira yabwino kwambiri yotsimikizirira kuti olemba ntchito angathe kuthandizira phindu limeneli kwa ogwira ntchito m'tsogolo.
Chitsime:
Allsup Inc.