Nei Uchifanira Kuisa Kushanda Kwemagariro Evanhu Vakagadzikana?
"Nei ndichifanira kuisa rubatsiro rwekuchengetedzwa kweSocial Security kana muvakidzani wangu kana kambani yveshuwarisi iri kutobhadhara?" Zviuru zvevasina simba vekuAmerica vasingazivi mhinduro kumubvunzo iwoyo vanozvipikisa ivo pachavo. Uye saka vashandi vasinganzwisisi kushayikwa kweHuman Security qualification kunovapa mari yakawanda yevashandi vavo; kuremara kunobatsira pane zvakakodzera.
Jim Allsup, purezidhendi uye CEO weAllsup Inc., kambani yenyika yakamiririra kuremara, yakabvunzwa kugadzirisa mubvunzo uyu. Maererano naVaWorld Allsup, vanhu vakaremara vanoda kuziva uye kunzwisisa zvishanu zvakakosha zvekukwanisa kuwana nekugamuchira rubatsiro rwekuremara kweSocial Security-zvinobatsira zvisingagoni kuwanikwa kuburikidza nemushandirwi kana urongwa hwehutano hwekuremara kwekambani. Vashandi vanonzwisisa zvikomborero izvi uye vanobatsira vashandi vavo kuvanzwisisa vanobatsirwawo.
# 1) Kuwedzerwa Kwemwedzi Nemari
Kubatsira kwekuremara kwemazuva mazhinji kana kuporesa kwepabonde kubva kumushandi kana kambani yveshuwarenzi haigoni kuchinjwa nokuda kwezvishoma. Zvisinei, kuremara kweHuman Security kunobatsira kunowedzera apo Social Security mari-ye--hupenyu hugadziridzo hunoitwa. Apo Mutengo Wekutengesa Mutengo unowedzera imwe yehuwandu hwehuwandu, Social Security zvinotevera zvinotevera. Zvisinei, kubhadharwa kwegore negore kunowanikwa kubva kurongwa hwevashandi zvinoramba zvakadaro.
Kana mushandi akaremara iye zvino achigamuchira $ 1 000 pamwedzi kubva kune waanoshandira, makore gumi kubvira zvino iye mushandi acharamba achiwana $ 1 000 kubhadhara kwemwedzi pasinei nehutsika.
# 2) Kuwedzera Kurega Uye Vakapukunyuka Kubatsirwa
Kuchengetedzwa kwehupfumi hwehupfumi kunokodzera "kusunungura
Mune mamwe mazwi, nguva iyo munhu anowana rubatsiro rwehupfumi hweSocial Security hahuverengwi semunhu munhu anoshandiswa. Nevashandirwi kana mapurisa emakambani einishuwarenzi, izvi hazvisizvo. Izvi zvakakosha nokuti ramangwana rinobatsira-Social Security retirement benefits, vatsigiri; kunobatsira kana kunyange kukuremara kunotevera kana vapukunyuka; Zvikomborero zvinongororwa zvichienderana nemari yega yega yebhadharo panguva imwechete; semuenzaniso, makore makumi matatu apfuura.
Kana pakanga pasina purogiramu kwemwedzi inoverengeka kana makore nekuda kwekuremara uye nguva iyoyo inowanikwa muhuwandu, yega yega ichave yakaderera uye kuverenga kubatsiro kuchave kwakaderera. Nokuti Social Security haina kuverenga nguva iyoyo zvachose, hapana chakaipa pamusana pekuwana mari.
# 3) Kubhadhara Mutero-Pasina
Izvi zvinotarisana nezvokuti mashandiro ekutanga anokweretwa sei pamigumisiro yenguva refu yekuremara.
Somuenzaniso, kana munhu achibhadhara premium paanenge achishanda makore kubva kunze kwemashure emitero, ipapo kubhadhara kwenguva yakareba kubhadharo hazvikwanisi kutengesa pawakagamuchirwa. Kana munhu asina kubhadhara mubayiro (asi wakabhadharwa nemumwe mutsi), kana kana munhu wacho akabhadhara premium kunze kwebato risati rabhadhara, ipapo kubhadhara kwemazuva mazhinji kubhadhara kunotengesa kana yawana.
Mukuwedzera, 50 muzana yehupfumi hwehupfumi hwehupfumi hunoshandiswa zvakare.
# 4) Medicare Coverage
Ivo chete 25 muzana yevashandirwi vemazuva ano vanopa rubatsiro rwezveutano hwakanyanya kuvashandi vavo uye vashandi vakawanda vanopa chete kuchengetedzwa kweCOBRA pamusoro pekuremara. COBRA mitemo inopa kuti mushandi anogona kutenga mwedzi 18 yehutano paanenge achisiya kambani. Zvisinei, kana munhu akakodzera kuremara kweSocial Security mukati memwedzi 18 yekutanga yekuvhara kweCOBRA, mamwe mwedzi 11 eCOBRA anogona kutengwa. Saka, kuwana rusununguko rwehupfumi hwehupfumi kunogona kupa munhu ane hutano hwekuchengetedza hutano kwemwedzi inenge 29 pashure pokunge urema hukaitika.
Munhu akaremara, pasinei nezera, ndiye anokodzera kugoverwa kweMedare apo COBRA inopera. Medicare kugoverwa kunosanganisira Chikamu Zvibatsiro zvechipatara uye Chikamu B rubatsiro rwezvokurapa, iyo, kana yakawedzerwa kune imwe humwe hutano hwehutano, huchawedzera hutano hwehutano hwehutano. (Cherechedza: Mamwe mabhizimisi haakwanisi kugovera kuparidzirwa kweCOBRA, yakadai sevaya vasina chekuita purogiramu uye avo vane vashoma vashandi kupfuura zvishoma zvinodiwa ne federally.)
# 5) Kuvandudza Unyanzvi hwekudzidza uye kudzoka-kune-Kushanda
Apo Social Security inobvumira kuda kwomunhu kwekuremara kwekuremara , chigadziro chinogadziriswa semukana wekuti chirwere chemunhu wacho chichavandudza. Kana hutano hwemunhu huchivandudzika kana uchizoita chirongwa chekugadzirisa basa, izvo zvinogona kubatsira munhu kuti ave kuzvitsigira. Social Security zvigaro zvinogona kupfuurira kusvikira purogiramu yapera. Kana kuvandudzwa kwechiremba kusatarisirwi, munhu achakwanisa kupiwa nguva yekuedza.
Uyu muedzo unobvumira munhu kuti adzokere kushanda asina chekugadzirisa pamubhadharo kwemwedzi mipfumbamwe. Mushure menguva iyi yenguva, nguva yenguva yemwedzi mitatu inobvumirwa, panguva iyo munhu anogona kuramba achiita basa, asi iye oga anenge ari kuongororwa. Kana kuongororwa kuchigadzirisa kuti munhu wacho akaremara, munhu iyeye anogona kugamuchira chekuchengetedzwa kwemazuva ose kwema Social Security kana pane mwedzi mumakore matatu anotevera apo iye asingawani mari $ 500 kubva kumabasa.
Saka chii chirimo kumushandi? Vashandi vanofanira kuchengeta mupfungwa kuti, kana mushandi anofanirwa nehutano hweHuman Security, mubhadharo wekuremara unobhadharwa nevanoshandira unoderedzwa nemari yepakutanga inobhadharwa neSocial Security. (Kuda-ku--kuwedzera kwekugara hakusi kuwirirana mukati.) Izvi zvinogumbura zvinotsigira kuti mari yezvipo inowanikwa nevashandi pamwe nevashandi vake. Iyoyo ndiyo nzira yakanakisisa yekuvimbisa kuti vashandi vanogona kukwanisa kupa iri rubatsiro kune vashandi venguva yemberi.
Kunobva:
Allsup Inc.