Mbiri ya FERS
FERS inakhazikitsidwa ndi US Congress mu 1986 ndipo inayamba kugwira ntchito kumayambiriro kwa 1987. Idafunika kuti idzalowe m'malo mwa Bungwe la Civil Service Retirement System lomwe antchito a federal adagwirapo nawo mchaka cha 1987.
Pamene FERS atayamba, antchito a CSRS angasinthe ku FERS. Si onse omwe adatero, choncho a US Office of Personnel Management amakhala ndi machitidwe awiri othawa pantchito.
Kusiyanitsa kwakukulu pakati pa ziwirizi ndikulingalira kwa dongosolo lililonse. CSRS ndi pulogalamu yapenshoni pomwe FES amapereka antchito a federal njira zitatu zopuma pantchito.
Zowonjezera Zitatu za FERS
Njira zimenezi ndi Social Security, Basic Benefit Plan ndi Mapulani Otsitsimula . Zigawo zitatu izi zimapangitsa kuti ntchito za boma zitheke pantchito. Pamodzi, izi zidutswa zitatu za ntchito yopuma pantchito zimapangidwira kuti apereke moyo wathanzi pa nthawi yofanana yomwe amakhala nayo pa moyo wake. Kupuma pantchito mosakhazikika ndi chimodzi mwa zinthu zazikulu zomwe boma limapereka.
Pamodzi, zigawo zitatuzi zili ndi zigawo ziwiri zomwe zimaperekedwa komanso zopindulitsa. Muzinthu zowonjezera zopereka, anthu ogwira ntchito pantchito amadziwa bwino zomwe adzalandira mwezi uliwonse wa kuchoka pantchito mosasamala kanthu za msika wogulitsa.
Muzinthu zowonjezera zopindulitsa, antchito amapereka ndalama zowonjezera kuti azigwiritsidwa ntchito muyeso iliyonse yamagalimoto. Magulu a masitolo amachititsa kuti ndalama zikule bwino.
# 1 Chitetezo Chachikhalidwe
Chigawo choyamba cha FERS ndi Social Security. Ogwira ntchito ku federal amapereka chithandizo ku chitetezo cha anthu monga pafupifupi nzika zina zonse zomwe zimagwira ntchito.
Ogwira ntchito ku federal pansi pa CSRS samalowerera mu Social Security. Machitidwe ena ogwira ntchito pantchito yopuma pantchito amalola antchito awo kuti achoke mu Social Security, kotero iwo sakhudzidwa ndi dongosolo limenelo kapena kulandira ndi kupindula nawo.
Bungwe la Social Security limapereka antchito otetezera ogwiritsira ntchito chitetezo cha anthu ambiri omwe amawathandiza kuti azikhala olemala kapena kupuma pantchito atapereka ndalama ku msonkho wa boma pa ntchito yawo.
Pulogalamu Yachiwiri Yopindulitsa
Gawo lachiwiri ndiloyitanitsa Pulogalamu ya Basic Benefit. Ogwira ntchito ku Federal amapereka ndalama zochepa za malipiro awo, ndipo ndalama zimapereka ndalama zowonetsera othawa kwawo. Ogwira ntchito pakalipano atakhala pantchito, amapindula ndi zopereka za ogwira ntchito panthawiyo. Zimamveka ngati Ponzi scheme, koma malinga ngati nthawi ikupitirira, padzakhala ophatikizapo dongosolo.
Pakati pa FERS ndi 2012, antchito onse a federal adapereka 0.8% ya malipiro awo ku Pulogalamu Yopindulitsa. Kuyambira mu 2013, antchito atsopano amapereka 3.1%. Antchito amene analembedweratu pasanafike 2013 adapereka gawo loyambira 0.8%. Lamulo likuwonjezera kuchuluka kwa mgwirizano kudaperekedwa mu February 2012 makamaka kulipira msonkho wodula msonkho kwa antchito onse a ku US, osati kwa antchito a federal.
Ndalama zomwe zimachotsedwa pantchito zimadalira zaka zomwe amapuma pantchito komanso ndalama zomwe munthu adapeza pazaka zitatu zoposa. Sungani malamulo kuti mudziwe momwe mungagwiritsire ntchito pulogalamu yapafupipafupi, phindu laumalempha, phindu lopulumuka komanso momwe kusintha kwa ndalama kumagwiritsidwira ntchito.
Pulogalamu yachisanu ndi itatu yokha yopulumutsa
Gawo lachitatu ndi Mapulani Osungira, omwe ali ofanana ndi 401 (k) omwe amwenye aliyense angathe kukhala nawo okha kapena kudzera mwa abwana. Boma la US limapereka ndalama zofanana ndi malipiro a 1.0%. Ogwira ntchito ku Federal akhoza kupereka zambiri, ndipo boma lidzafanane nalo mpaka peresenti inayake. Zopindulitsa pa zopereka zimalepheretsa msonkho. Sikuti mukugwira nawo mokwanira mu dongosolo lirilonse lomwe abwana anu akugwirizana nawo zopereka ndikungopereka ndalama zaulere.
Kukhala Woyenerera Kupuma pantchito
Kuti apite pantchito, ogwira ntchito ku federal ayenera kukhala ndi chiwerengero chochepa cha zaka zothandizira ndikukwaniritsa zaka zosachepera. Kwa antchito a federal omwe anabadwa m'chaka cha 1970 kapena pambuyo pake, zaka zosachepera zapuma pantchito ndi 57. Ogwira ntchito okalamba ali ndi zaka zocheperapo zopuma pantchito. Zaka zing'onozing'ono zakazi zinakula mochuluka pakati pa 1948 ndi 1970.
Zindikirani: Zomwe zili m'nkhani ino ndizofuna kudziwa zambiri. Nkhaniyi siyikulingalira kupereka msonkho. Funsani akatswiri amisonkho oyenerera pa malangizo a msonkho.