Boma la Social Security Administration limapereka mapulogalamu awiri akuluakulu omwe amapereka thandizo la ndalama kwa anthu olumala: Ndondomeko ya Inshuwalansi ya Disability Insurance (SSDI) ndi dongosolo la Supplemental Security Income (SSI).
N'zotheka kuti mulandire madalitso pansi pa imodzi kapena ina, kapena ngakhale mapulogalamu onsewa. Komabe, zofunikira zoyenera ku SSI ndi SSDI n'zosiyana kwambiri.
Choncho, ngati muli olumala (ndi mutu waukulu kapena china chirichonse), zidzakuthandizani kumvetsetsa zofunikira za pulogalamu iliyonse, ndi zomwe muyenera kuzigwiritsa ntchito. Pano pali zoyambira pa SSI vs. SSDI kukuthandizani kusankha chomwe chingakhale choyenera kwa inu.
Zofunikira Zokwanira
Pokambirana za kuyenerera ku mapulogalamu awiriwa, muyenera kumvetsetsa njira zawo zopezera ndalama, popeza ndalama zawo zimakhudza kapena simungalandire phindu.
SSDI (monga Social Security benefits) imathandizidwa ndi misonkho ya malipiro. Kuti mukhale oyenerera SSDI, mukuyenera kuti munagwiritsidwe ntchito ndipo mwakhala mukulipiritsa misonkho ya msonkho kwa zaka zokwanira kuti muyenerere. Izi zimadalira pa msinkhu wanu, koma kawirikawiri, mumayenera kugwira ntchito ndi kulipira misonkho kwa zaka 10 (achinyamata akhoza kukhala ndi mbiri yakale ya ntchito).
Muyeneranso kuti mwagwiritsidwa ntchito kwa zaka ziwiri ndi theka za zaka khumi zapitazi, komanso kukhala ocheperapo zaka zonse zapuma pantchito (pakalipano zaka 66, koma ndikukwera mpaka zaka 67 ndi 2027).
Mukadzafika zaka zonse zapuma pantchito, malipiro anu olemala adzasinthidwa kuti mupereke ndalama zowonjezera pantchito.
Ngati muyenerera SSDI, mudzalandira madalitso amwezi ndipakati pa ndalama zomwe mwapeza. Izi zikufanana ndi momwe pulogalamu ya pantchito yopuma pantchito ikugwira ntchito.
SSI, pakali pano, ndiyomwe imatchedwa zofunikira: imachokera kufunika kwa ubwino, kusiyana ndi momwe mwagwiritsira ntchito komanso kuchuluka kwa ndalama zomwe mwalandira. SSI imalipidwa ndi ndalama zowonjezera misonkho, osati kudzera misonkho ya malipiro, ndipo munthu yemwe ali wolumala akhoza kukhala woyenerera pulogalamuyi ngakhale atagwirapo ntchito.
Kuti mupeze SSI, muyenera kukhala ndi ndalama zochepa komanso zopanda malire (zopanda ndalama zokwana $ 2,000, osati nyumba yomwe mukukhalamo ndi galimoto). Malipiro a mwezi uliwonse kuchokera kwa SSI akuchokera pa zosowa zanu zachuma (osati pa mbiri yanu yapindula). Ngati muli ndi zina, phindu lanu la SSI lidzachepetsedwa.
Chimene Chimalimbikitsa Olemala
Kuyenerera monga "olumala" pansi pa mapulogalamuwa kungakhale gawo lovuta kwambiri pazomwe ntchitoyi ikuyendera. Ndizofala kuti ntchito yanu isakanidwe kawiri musanavomerezedwe.
Malingana ndi Social Security Administration, ulemala wanu uyenera kupitilira mayesero atatu kuti uyenere kukhala woyenera SSDI kapena SSDI:
- Kulemala kwako kukulepheretseni kuchita ntchito yomwe munachita kale.
- Muyenera kusamvana ndi ntchito ina chifukwa cha matenda anu.
- Kulemala kwanu kuyenera kuti kwakhalapo kapena kuyembekezera kuti mukhalepo chaka chimodzi kapena kuti muphedwe.
Bungwe la Social Security Administration lidzatsimikizira kuti ndinu woyenera malinga ndi momwe mukufunira. Bungweli likulemba mndandanda wa zochitika zomwe zimaonedwa kuti zikukulepheretsani, ndipo zolemba zanu zachipatala ziyenera kuphatikizapo umboni kuti muli ndi zina mwazimenezi kapena chikhalidwe china chomwe chiri cholepheretsa.
SSDI imaonedwa ngati ndondomeko yalemale ya kulemala-kulandila kwa phindu sizimayambe mpaka mutakhala wolumala kwa miyezi isanu kapena kuposerapo. Ngati panopa mukugwira ntchito ndi kupeza ndalama zoposa $ 1,100 pa mwezi, simungayesedwe kukhala olumala.
Pakalipano, mukhoza kulandira malipiro a SSI, omwe amayamba mwamsanga, ngati muli ndi chilema chachikulu, monga kufooka kwathunthu kapena kuchotsa mwendo pachiuno.
Kusankha Pulogalamu Yoyenera Kwa Inu
The Social Security Administration angayankhe mafunso ofunika ponena za mapulogalamu ake olemala pafoni yake yopanda malire pa (800) 772-1213. Mukhozanso kulingalira kuti mukayang'anire ofesi ya Social Security, komwe oimira angakuthandizeni ndi mafunso oyenerera.
Chifukwa chakuti ntchito yolemba zolepheretsa boma ndi yovuta ndipo imakhala yofunikira kwambiri kuchokera kwa akatswiri azachipatala, anthu ambiri amalangiza kukonzekera woweruza milandu kuti adziwe momwe angapititsire ndi kuthana ndi ntchito yolemala. Ngati mutasankha kulemba ndi woweruza mlandu, onetsetsani kuti mumapeza chimodzi ndi zaka zingapo zomwe mukuchita poyang'anira milandu yolepheretsa Social Security.
> Zotsatira:
> Social Security Administration. Chidule cha Mapulogalamu Athu Olemala. Zolemba zenizeni.
> Social Security Administration. Kumvetsetsa Zopeza Zowonjezera Zowonjezera SSI Zowonjezera Zofunikira - Kusindikiza kwa 2015. Zolemba zenizeni.
> Social Security Administration. Kumvetsetsa Zopereka Zowonjezera Zowonjezera Zowonjezera Zowonjezera - Kukonzekera kwa 2015. Zolemba zenizeni.
> Social Security Administration. Kodi kusiyana kotani pakati pa Inshuwalansi Yopumidwa ndi Bungwe la Inshuwalansi ndi Zowonjezera Zowonjezera? Zolemba zenizeni.