Kodi Kusiyanasiyana N'kutani pakati pa FERS ndi CSRS?

CSRS ikuchotsedwa

Boma la US limapereka machitidwe awiri opuma pantchito kwa antchito awo-Bungwe la Federal Employees Retirement System ndi Civil Service Retirement System. Machitidwe othawa pantchito amapezeka pamagulu onse a boma. Ogwira ntchito, ndipo nthawi zambiri ogwira ntchito, amapereka ndalama kwa ndalama zothandizira anthu ogwira ntchito, ndipo anthu omwe amapuma pantchito amapanga ndalama pamwezi.

Pali kusiyana kwakukulu pakati pa maulendo awiri opuma pantchito kwa ogwira ntchito za boma.

Ndani Ali Woyenerera?

Ogwira ntchito onse a federal anali ndi mwayi wosintha kuchokera ku CSRS kupita ku FERS pamene FERS inalengedwa mu 1987. Tsopano, antchito onse a federal amalembetsa ku FERS ndipo alibe mwayi wosankha CSRS mmalo mwake. CSRS imapezeka kwa ogwira ntchito ku federal omwe anali mu ndondomeko isanafike 1987 ndipo adasankha kukhala ndi CSRS m'malo mwa kusintha kwa FERS.

Mmodzi Wachiwiri Vs. Zinthu zitatu

CSRS inayambika pa January 1, 1920 ndipo ndi dongosolo lapenshoni yofanana ndi yomwe inakhazikitsidwa panthaŵi imodzimodziyo pakati pa ogwira ntchito ndi makampani aakulu. Ogwira ntchito apereka gawo lina la malipiro awo. Iwo ankayembekeza kuti azitha kuchoka pakhomo pokhapokha atapuma payekha kuti athe kukhala ndi moyo wathanzi wofanana ndi zomwe adakumana nazo pazaka zawo zogwira ntchito.

Zotsatira zinayambika pa January 1, 1987 ndipo zimayenera kupambana CSRS pamene opindula CSRS amafa. Pogwiritsa ntchito pulogalamu ya penshoni yokha, wogwira ntchitoyo ali ndi penshoni yaing'ono, ndondomeko yosungirako ndalama , ndi Social Security kuti azipuma pantchito yake.

Ndondomeko yosungirako ndalama ikufanana ndi 401 (k).

Kukula kwa Malipiro Ambiri

Chifukwa FESI ili ndi zigawo zitatu, zigawozi zimapereka ndalama zothandizira anthu ndalama. Malipiro a ndalama za CSRS omwe amapuma pantchito amapangidwa kuti akhale okhawo, pamene FERS amapuma pantchito, ndondomeko yosungirako ndalama, ndi zopindulitsa za Social Security.

Malamulo Osungira Mapulani Othandiza

Boma la United States limapereka ndalama zofanana ndi 1 peresenti ya FESITSA zopereka za antchito ku akaunti zawo zonse zosungirako ndalama. ONANI antchito angapereke zambiri, ndipo boma la US lidzafanane ndi zoperekazo mpaka peresenti inayake.

Ogwira ntchito a CSRS akhoza kutenga nawo mbali pulogalamu yosungirako ndalama, koma salandira ndalama zina kuchokera ku boma la federal chifukwa ANTHU akusowa akufunika 1 peresenti kuti akhale ndi ntchito yopuma pantchito kwa a CSRS.

Kukhazikitsa Pagulu la Anthu

Ogwira ntchito a CSRS samalowerera mu Social Security. ONANI antchito achite chimodzi mwa magawo atatu a mapulani awo opuma pantchito.

Ndalama Kuchokera ku Misonkho

Ogwira ntchito a CSRS amapereka pakati pa 7 ndi 9 peresenti ya malipiro awo ku dongosolo. ONANI ogwira ntchito akupereka ndalama zofanana ngati Social Security ikugwiritsidwa ntchito. Akuluakulu ogwira ntchito m'boma akugwiritsidwa ntchito panthawiyi kapena chaka cha 2012 asapereke 8 peresenti, ndipo antchito omwe akugulitsidwa pambuyo pa 2012 amapereka 3.1 peresenti. Misonkho ya Social Security, yotchedwa Old Age, Survivors and Insability Inshuwalansi kapena OASDI, ndi 5,3 peresenti. ONANI antchito angapereke zambiri pogwiritsa ntchito ndondomeko yosungirako ndalama.

Kale Kwambiri Kusamuka

Ogwira ntchito a CSRS akhoza kusiya ntchito ngati ali ndi zaka 55.

ONANI antchito amene anayamba ntchito zawo panthawi kapena pambuyo pa 1970 akhoza kupuma pantchito ngati a zaka 57. Ogwira ntchito okalamba angagwire ntchito mwamsanga kusiyana ndi pamene adayamba ntchito zawo.