Kodi Ndinu Wopindulitsa Phindu?
Ndi nzeru kuphunzira za zofuna zachitetezo cha Social Security musanayambe kuchita nawo ntchitoyi. Zofuna zaumphawi zachitetezo chaumoyo ndi zosiyana ndi mapulogalamu ena omwe angapindule ndi kulemala kwapadera kapena kwa nthawi yayitali.
Chikhalidwe Chanu cha Zamankhwala Chimazindikira Kulemala
Chitetezo cha anthu chimakupindulitsani inu ngati simungathe kugwira ntchito chifukwa muli ndi matenda omwe akhalapo kapena akuyembekezerani kukhala osachepera chaka chimodzi kapena kufa.
Kuwonjezera pa kukhala ndi matenda omwe akhalapo kapena akuyembekeza kuti akhalepo kwa chaka chimodzi kapena kupha, kulemala pansi pa malamulo a Social Security kumadalira kuti simungathe kugwira ntchito. Kuti muyenerere phindu, simungathe kuchita ntchito zomwe munachita kale (ntchito yothandiza kwambiri) ndi Social Security Administration ayenera kudziwa kuti simungasinthe ntchito zina chifukwa cha matenda anu. Lamulo la Federal limapereka tanthawuzo lokhazikika la kulemala.
Muyenera kugwiritsa ntchito zopindulitsa mukangokhala olumala. Musati dikirani - zingatengere nthawi yaitali kuti mugwiritse ntchito mapulogalamu opatsirana (pafupifupi 3 mpaka 5 months).
Kuti muthandizidwe ndi Social Security Disability, muyeneranso kupeza mayesero awiri opindula. Imodzi imatchedwa "kuyesayesa kwaposachedwapa" yomwe imayang'ana msinkhu wanu pamene munayamba kulemala. Zina ndi "nthawi ya kuyesayesa kwa ntchito" zomwe zimatsimikizira kuti munagwira ntchito mokwanira pansi pa Social Security kuti mukhale opindula.
Mayesero Aposachedwapa a Ntchito
Kuyesedwa kwaposachedwapa kwa ntchito kumayang'ana pamene munakhala olumala ndi momwe izo zinagwera mwazinthu za kalendala. Malo ogulitsira kalendala ndi awa:
- Gawo loyamba - January, February, March
- Gawo lachiwiri-April, May, June
- Gawo lachitatu - July, August, September
- Nthiti yachinayi - October, November, December
Ngati inu muli olemala kapena musanayambe kumene mutakwanitsa zaka 24, nthawi zambiri mumafunikira zaka 1.5 za ntchito pazaka zitatu zomwe zimathera ndi kotala anu kulemala kwanu kunayamba. Kusokonezeka komabe? Pali zambiri.
Ngati mulemala pakutha pokha mutakwanitsa zaka makumi awiri ndi awiri, koma musanafike zaka makumi awiri ndi zitatu (31), mufunikanso kugwira ntchito pa theka la nthawi yomwe mukuyambira pa kotalala mutatha zaka 21 ndikukhalitsa ndi kotalala.
Ngati mulemala m'dera lanu mutakwanitsa zaka 31 kapena m'tsogolomu, mumafunika kugwira ntchito pazaka zisanu kuchokera pa zaka 10 zomwe zimathera ndi kotala lanu kulemala kwanu.
Nthawi Yoyesa Ntchito
Mayesowa amatsimikizira kuti munagwira ntchito zaka zingati pamene unayamba kulemala. Mwachitsanzo, ngati ndinu olumala musanakwanitse zaka 28, muyenera kugwira ntchito kwa zaka 1.5. Ngati munakhala olumala ali ndi zaka 42, mukufunikira zaka zisanu ndikugwira ntchito. Olemala ali ndi zaka 60? Mukufunikira zaka 9.5 za ntchito. Pazochitika zonsezi, panthawi ya kuyesayesa kwa ntchito, ntchito yanu siyenera kugwera nthawi inayake.
Mfundo Zofunika Kukumbukira
Kuti mulandire madalitso a Social Security Disability, muyenera kukhala olumala mogwirizana ndi tanthauzo la kulemala komwe amagwiritsidwa ntchito ndi Social Security.
Muyeneranso kuti mwagwira ntchito mokwanira ndipo chiwerengero chanu cha ntchito yanu chiyenera kukhala chaposachedwapa.
Ngati simungakwanitse kukwaniritsa zofunikira zalemala, ntchito yapitayi, ndi nthawi ya ntchito - simungapindule nawo. Ngati mutero, mwakonzeka kuyamba ntchitoyo .
Kumbukirani, Social Security imabwezera kokha kulema kwathunthu. Palibe zopindulitsa zomwe zimaperekedwa chifukwa cha ulema waung'ono kapena wolemala.
Zotsatira:
Mapindu Olemala. SSA Publication No. 05-10029, November 2008, ICN 456000.
http://www.ssa.gov/pubs/10029.html