Kupanga Kusintha Kuchokera Kulemala Kuchokera Pakhomo
Funso lodziwika kwa omwe ali pafupi ndi zaka zapuma pantchito, koma omwe adalandira kale kulandira ubwino wa Social Security (SSDI), ndi zomwe zidzachitike akalandira mwayi wopuma pantchito. Pa zifukwa zambiri, akuluakulu amatha kudwala, kuvulala, kapena matenda ena omwe amachititsa kuti zikhale zosatheka kugwira ntchito, choncho akhoza kulandira inshuwalansi yomwe imalipiritsa ndalama.
Angathenso kulandira Medicaid, yomwe ndi pulogalamu yachipatala yomwe imapereka madokotala, maulendo, ndi mankhwala osokoneza bongo.
Munthu Wolumala Ali Woyenerera Kupuma pantchito
Yankho ndi lophweka. Malingaliro aumphawi otetezeka a anthu adzasintha kupita ku Social Security benefits pokhapokha munthu akafika msinkhu wawo wopuma pantchito, kawirikawiri amakhala pafupi 62 mpaka 70 malingana ndi nthawi yomwe anabadwira. Ngati ali oyenera kulandira madalitso a banja la Social Security, adzalandire malipirowo mwezi uliwonse (koma ayenera kuitanitsa izi). Nthaŵi zambiri, ndalama zomwe amalandira mwezi uliwonse sizidzasintha kwambiri, ndipo zikhoza kuwonjezeka malinga ndi momwe akhala akugwiritsira ntchito nthawi yaitali, ngati pali pentikati ya mwezi, ndi ndalama zomwe adalandira asanachoke.
Chilolezo Chopereka Chifundo cha Malipiro Olemala
Pali zina zina zofunikira kwa anthu omwe akulandira ubwino wolepheretsa Social Security.
Pansi pa "Mphatso Zachifundo", Social Security Administration ikhoza kupereka malipiro owonjezereka ndi phindu lachangu kwa iwo omwe ali olumala kwambiri ndipo amakwaniritsa njira zina zamankhwala. Mwachitsanzo, munthu amene akudwala matenda oopsa komanso pafupi ndi msinkhu wopuma pantchito akhoza kukhala wotsimikiza.
Momwe Mungayenere Mipindula Yopumidwa Yopumidwa
Kuyenerera kwa Phindu laumalema waumoyo kumadalira zinthu zochepa. Munthu ayenera kuti wakhala akugwira ntchito kwa zaka 10, ndipo ali ndi matenda omwe atsimikiza kuti ali olumala pansi pa malamulo a Social Security. Izi zingaphatikizepo kuvulala kapena matenda oopsa, matenda okhudza thupi kapena matenda, kapena matenda ena omwe amalepheretsa munthu kukhala ndi ntchito yopindulitsa. Wovomerezeka wokhudzana ndi umoyo waumphawi angathandize kuthandizira izi kuti atsimikizire kuti munthu angathe kupeza phindu, ndipo zingatenge zaka zingapo kuti ayambe kulandira mayeso a mwezi wodwala.
Kupuma Patsogolo Kapena Osati?
Ngati munthu akuganiza kuti achoke msanga, ali ndi zaka 62, malipiro awo otha kulemala angapitirize panthawi imodzimodziyo ngati amapuma pantchito, koma pafupipafupi. Mwachitsanzo, mutakhala pafupi ndi zaka zapuma pantchito ndikuganiza kuti mutha msinkhu chifukwa cha matenda aakulu, mukhoza kugwiritsa ntchito inshuwalansi yolemala. Mukadzafika 65, malipiro anu olemala adzatayika. The Social Security Administration idzapangitsa kusiyana pakati pa kulemala ndi phindu lapuma pantchito kwa nthawi yochepa pamene kusinthaku kumachitika.
N'chifukwa Chiyani Muyenera Kusamuka Kale?
- Kulakalaka kuchoka kuntchito ndikusangalala ndi bizinesi kapena ntchito yochita zokonda
- Kulimbana ndi zaumoyo chifukwa cha ntchito yovutitsa kapena malonda
- Kusintha kwa chikhalidwe cha banja chomwe chimapangitsa kufunika kochoka mwamsanga
- Zinthu zachuma zomwe zimapangitsa kuti ntchito ikhale yopuma (mwachitsanzo, kulipira nyumba)
- Wokwatirana yemwe wapuma kale pantchito ndipo akusowa kucheza kapena kusamala
- Akuluakulu kapena abwenzi ena amafunikira nthawi yambiri
Chisankho chokhala pantchito ndi kwathunthu kwa munthu aliyense. Ndikoyenera kuti uyankhule ndi woweruza wodziwa bwino komanso walangizi wa zachuma musanachite izi.