Hurumende yeSocial Security Administration inotarisira mapurogiramu makuru maviri anopa rubatsiro rwemari kuvanhu vane hurema: Hurongwa hweHuman Security Disability Insurance (SSDI) uye chirongwa cheAddingal Security Income (SSI).
Zvinokwanisika kuti zvikwanise kuwana zvipo pasi peimwe kana imwe, kana zvimwe zvose zvezvirongwa izvi. Zvisinei, izvo zvinotarisirwa kudiwa neSSI uye SSDI zvakasiyana kwazvo.
Nokudaro, kana iwe wakagadzikana (nemusoro wakaremara musoro kana chimwe chinhu), ichakubatsira iwe kuti unzwisise zvinyorwa zvepurogiramu imwe neimwe, uye chii chinodiwa kushandiswa. Pano pane chikwata cheSSI vs. SSDI kuti ikubatsire kusarudza kuti ndiani angave akakodzera iwe.
Eligibility Requirements
Paunenge uchitaura nezvekugoneswa kwezvirongwa zviviri zvehurumende dzekuremara, unofanirwa kunzwisisa maitiro avo ekubhadhara mari, sezvo mari yavo inobata kana iwe usingakwanisi kuwana zvikwereti.
SSDI (kufanana Social Security retirement benefits) inobhadharwa nemitero yemitero. Kuti uve akakodzera kuSSDI, iwe unofanirwa kunge wakashanda uye wakabhadhara mitero yemitero yemakore akakwana kuti uwane. Izvi zvinoenderana nezera rako, asi kazhinji, unofanirwa kunge wakashanda uye wakabhadhara mutero kwemakore anenge gumi (vechidiki vangave vakakwanisa kukodzera nekanguva yebasa remabasa).
Iwewo unofanirwa kunge wakashanda kwemashoma maviri nehafu yemakore gumi ekupedzisira, uye kuva muduku kudarika gore rose rekurega basa (iye zvino ava nemakore 66, asi achikwira kusvika kumazera 67 ne2027).
Kana ukangosvika makore ose ekurega basa, zvikwereti zvako zvekuremara zvichangotendeuka kuti ugare uchibhadhara mari yekubhadhara mari.
Kana iwe uchikodzera SSDI, uchawana mitezo yemwedzi iwe yese inobva pamari yakawanda yawawana. Izvi zvakafanana nehutano hweHurumende Security retirement program chirongwa chinoshanda sei.
SSI, panguva iyo, inonyanya kunzi inonzi inoda-based: inobva pane zvaunoda zvezvibatsiro, kusiyana nekushanda kwawakashanda uye zvakadini iwe wakabhadhara muhutano. SSI inobhadhara mari kuburikidza nemitero yakawanda yemitero, kwete nemitero yemari yemitero, uye mumwe munhu akaremara anogona kukodzera purogiramu kunyange kana vasina kumbobvira vashanda.
Kuti uwane SSI, iwe unofanirwa kuva nemari yakasara uye zvishoma zvigadziriswa (hapana mari inodarika $ 2,000 inokosha yezvinhu, kwete kusanganisira imba yauri kugara uye imotokari). Kubhadhara pamwedzi kweSSI kunobva pane zvaunoda mune zvemari (kwete pamari yako yekuwana). Kana iwe uine imwezve mari, kubhadhara kwako SSI kunoderedzwa.
Chii Chinogadzirisa Sokuremara
Kufanirwa se "akaremara" pasi pezvirongwa izvi kunogona kuva chikamu chakaoma zvikuru chekuita basa. Zvakajairika kuti chibvumirano chako chirambe chichiramba chichibvumirwa.
Maererano neSocial Security Administration, kuremara kwako kunofanira kupedza miedzo mitatu kuti ione yakakodzera kune SSDI kana SSDI:
- Kuremara kwako kunofanira kukudzivirira kuita basa rawakaita kare.
- Iwe haufaniri kukwanisa kuchinja kune mamwe mabasa nekuda kwehutano hwako.
- Kuremara kwako kunofanirwa kuve kwakagara kana kutarisirwa kupedza kwegore rimwe chete kana kuti kuguma nekufa kwako.
Iyo Social Security Administration ichaita chisarudzo pahutano hwako hunobva pakubvunzurudza kwako kwekubatsira. Iyo sangano rinonyora urongwa hwemamiriro ezvinhu anonzi akaremara, uye zvinyorwa zvako zvezvechiremba zvinoda kusanganisira uchapupu hwokuti une imwe yemamiriro aya kana chimwe chiitiko icho chakafanana nekuremara.
SSDI inofungidzirwa kuti chirwere chekuremara kwenguva refu-kukodzera kwezvibatsiro hachisi kutanga kusvikira wakacheneswa kwemwedzi mishanu kana kupfuura. Kana iwe uri kushanda iye zvino uye uchiwana zvinodarika madhora anodarika $ 1,100 pamwedzi, haugoni kufungidzirwa wakaremara.
Panguva iyi, unokwanisa kukodzera kubhadharwa SSI kutengesa, iyo inotanga nokukurumidza, kana iwe uine hurema hwakakomba, zvakadai sekupofumadza kana kukwegura kwegumbo pachiuno.
Kusarudza Ndeipi Purogiramu Yakakunakira
The Social Security Administration inogona kupindura mibvunzo yepamusoro pamusoro pemapurogiramu ayo okuremara pamutsetse waro wefero usina kubhadhara pa (800) 772-1213. Iwewo unogona kufunga nezvekushanyira hofisi yeSocial Security, apo vamiririri vanogona kukubatsira iwe nekukodzera mibvunzo.
Nokuti nzira yekushandira zvirongwa zvekuremara kwehurumende yakaoma uye inoda kukosha kwakakosha kubva kuvashandi vezvokurapa, vanhu vazhinji vanokurudzira kushandira gweta kuti vaone kuti vangapfuurira sei uye kugadzirisa chirongwa chaiyo chekuremara. Kana iwe ukasarudza kusainira neye gweta, iva nechokwadi chekuwana imwe pamwe nemakore anoverengeka ane ruzivo rwekugadzirisa matambudziko eHuman Security ekuremara.
> Sources:
> Social Security Administration. Kuratidzwa kweMapurogiramu Edu Akaremara. Chokwadi peji.
> Social Security Administration. Kunzwisisa Kuwedzera Kwekuchengetedzwa Kwekuchengetedzwa SSI Kugadziriswa Zvinoda - Kuvandudza 2015. Chokwadi peji.
> Social Security Administration. Kunzwisisa Kuwedzera Kwekuchengetedzwa Kwekuchengetedzwa Kwekubhadharwa Kwekubhadharwa Kwekubhadharwa - Kuburitsa 2015 Chokwadi peji.
> Social Security Administration. Ndeupi musiyano pakati peHuman Security Disability Insurance & Supplemental Security Income? Chokwadi peji.