Kodi ZINTHU ZIDZACHITA ZINTHU ZONSE ZOKHUDZA MOYO?

Kwa zaka zambiri, pamene anthu akulankhula za zaka zapuma pantchito, nthawi zambiri amakamba za zaka 65. Izi ndizo pamene anthu ambiri angathe kupeza madalitso onse a Social Security. Kwa ogwira ntchito boma la federal, zaka zawo zopuma pantchito ndizochepa kwambiri.

Kodi Ndalama Zochepa Zopuma Zotani kwa Ogwira Ntchito ku Federal?

Bungwe la Federal Employees Retreat System, kapena FERS , liri ndi zaka zosachepera zapuma pantchito, kapena MRA, yomwe ili yosakwana 65. MRA imakhazikitsa zaka zazing'ono kwambiri zomwe wogwira ntchito za boma angachoke.

Kwa anthu ambiri ogwira ntchito ku federal, MRA yawo ndi 57. Ogwira ntchito omwe anabadwa asanafike 1970 akhoza kuchokapo kale. Zomwe zimakhalapo kale zimadalira kuti ndi zaka zingati. MRA yotsika kwambiri ndi 55 kwa anthu obadwa chaka cha 1948 chisanafike.

Monga machitidwe ambiri opuma pantchito, FERS amagwiritsa ntchito ulamuliro wa 80. Lamuloli likunena kuti kuti athe kulandira pantchito wogwira ntchito ayenera kufika zaka 80 pamodzi pamene akuwonjezera zaka ndi utumiki wa federal. Pambuyo pofufuza lamulo ili, n'zosavuta kuona chifukwa chake FERS ali ndi MRA.

Chitsanzo cha momwe ZOKHUDZA ZOKHUDZA NTCHITO ZOKHUDZA ZOTHANDIZA ZOPHUNZIRA

Pano pali chitsanzo cha momwe MRA imagwirira ntchito . Awuzeni antchito akuyamba ntchito ya boma pambuyo pa koleji ali ndi zaka 22. Pambuyo pa zaka 29 za ntchito, wogwira ntchitoyo akufika zaka 51. Wogwira ntchitoyo amakwaniritsa lamulo la 80; Komabe, wogwira ntchitoyo sadakwanitse zaka zingapo zopuma pantchito. Pa MRA wa 57, wogwila ntchitoyo ali ndi zaka zisanu ndi chimodzi kuti adzalandile pantchito. Poganizira chitsanzo chathu antchito akufuna kupuma pantchito atangoyenera, FERS amapindula zaka zisanu ndi chimodzi zothandizira pantchito kuchokera kwa wogwira ntchitoyi ndipo amapereka malipiro a zaka zisanu ndi chimodzi kwa wogwira ntchitoyi mwa kukakamiza antchito kuyembekezera mpaka zaka 57.

Ali ndi zaka 51, kupuma pantchito kumayesa. Wogwira ntchito angasankhe kuchita zosiyana ndi kukhala ndi nthawi yokwanira yopanga ntchito yeniyeni. Ali ndi zaka 57, ntchito yopuma pantchito ikuyesabe, koma antchito ambiri amasankha kuchoka kuntchito mpaka atasiya zaka 60. The Social Security Administration amalola nzika kuti zisamalire msanga msinkhu ali ndi zaka 62, choncho 62 ndizopuma pantchito yopuma pantchito pakati pa antchito a boma ku maboma onse .