Ndalama-ya-Moyo Kusintha

Kodi COLA n'chiyani?

Kusintha kwa mtengo wa moyo (COLA) ndi kuwonjezeka kwa malipiro kapena annuity kawirikawiri molingana ndi chiwerengero cholingalira kuti ndalama zochuluka bwanji munthu weniweni kapena banja amafunikira kusunga moyo wawo.

Mpweya wotsika umagwirizana ndi kugula mphamvu kwa dola iliyonse. Mitengo ya katundu ndi mautumiki imakula pakapita nthawi, choncho ndalama zowonjezera zimayendetsa nthawi. A COLA imatsutsana ndi kutsika kwa chuma kuti pakhale mphamvu yogula malipiro kapena ndalama.

COLAs sizitsitsimutso zoyenera. Zili pafupi kugwiritsidwa ntchito kudutsa bungwe kapena chiwerengero cha anthu omwe akutsutsa. Zosiyana kwambiri zidzakhala makampani ndi antchito kufalikira kudutsa US kapena dziko. Pazochitikazi, kampani ikhoza kulingalira za COLAs zomwe zimasiyana ndi dera.

Ma COLA omwe sali okhudzana ndi chiyeso chowopsya amawonongedwa kuti sangakwanitse kusunga mphamvu kapena kukhala mopambanitsa; Choncho, zikanakhala zovuta kunena kuti izo zimakweza COLAs.

Cholinga chodziwika bwino chomwe chimagwiritsidwa ntchito kuti muzindikire kuchuluka kwa COLA ndi ndondomeko ya mtengo wogula anthu ogwira ntchito m'mizinda ndi aphunzitsi (CPI-W). Bungwe la US Social Security Administration likufunidwa ndi lamulo kugwiritsa ntchito CPI-W kuti awerengere COLAs awo pachaka kwa olemba awo. A CPI-W amawerengedwa ndi US Bureau of Labor Statistics.

Makoma a US US

Makolera a ogwira ntchito ku federal ayenera kulamulidwa ndi lamulo.

Ma COLA kwa antchito a usilikali komanso ogwira ntchito zankhondo amaonedwa kuti akusiyana ndi Congress. Mmodzi mwa magulu awiriwa atalandira COLA, gulu lina limayamba kukakamiza Congress kuti iwapatse COLA yomweyo. Nthawi zina ma COLA si ofanana kwa magulu awiriwa, ndipo izi zingachititse kuti asakhale osakhutira ndi ntchito.

Makampani a COLA angaperekedwe kwa akuluakulu aboma pantchito pansi pa Federal Employees Retirement System kapena Government Service Retirement System .

Zigawo za COLAs

Amalonda ku US sakufunika kupereka antchito awo ndi COLAs; Komabe, ambiri amachita. Makampani ogwira ntchito amagwira ntchito mofulumira motsutsana ndi olemba ntchito omwe sasunga malipiro awo.

Nthaŵi zina mgwirizano wa mgwirizano umakhala wofunika kwambiri kuti zinthu zisinthe. Atsogoleri a mgwirizano amalimbikitsa kuti azikambirana mowonjezereka, motero atsimikizira kuti malipiro akuwonjezeka. Ngakhale kuti otsogolera ali ndi chidziwitso chodziŵa bwino momwe ndalama zidzakhalire pamalipiro chaka chilichonse, COLA yokhazikitsidwa ndi zoyenera kutsata zimatsimikizira kuti kasamalidwe ka ndalama sichidzapindula chifukwa cha kuwonjezeka kwa malipiro.