ʻO kahiʻikepili pehea e kōkua ai ka lawelawe mālama ola
No nā poʻeʻAmelika nui, hoʻolaha nā palekana mālama ola i 50 pakeneka aʻoi aʻe paha o kā lākou kālā ma ka hoʻomahaʻana. Ma ka hoʻonaʻauaoʻana i kāu kūpono i nā palekana Social Security, hiki iāʻoe ke hoʻoholo i nā hoʻoholo e kōkua iāʻoe e loaʻa ka mea nui loa mai ka papahana.
Aia nā palekana mālama ola i ka poʻe i hana a loaʻa kālā i ka United States. ʻEkolu mauʻano nui o nā pono; nā uku palekana, nā pono kīnā, a me nā pōmaikaʻi ola.
Pehea e hoʻolālā ai no nā kōkua hoʻopalekana palekana
ʻOiaiʻoe e hana a loaʻa kālā,ʻoʻoe a me kāu meaʻoihana e uku i ka 6.2 pakeneka o kāu kālā i loko o ka pūnaewele Social Security. Ināʻoe he hana pilikino, ukuʻoe i ka mahele o kaʻoihana a me kāu mahele hana. ʻOiaiʻoe e uku nei i loko o kēia pūnaewele oiaiʻoe e hana ana,ʻaʻoleʻoe e hoʻoholo i ka nui o ka pōmaikaʻi i ka hoʻomahaʻana ma ka nui o kāu hana a me kāu mea hoʻohana. Ma kahi o kēia mau mea,ʻekolu mau koho e hoʻoholo i ka nui o kāu e loaʻa ai:
- ʻO ka lōʻihi o kāu hana
- Ehia mau kālā āu e loaʻa ai
- ʻO ka makahiki hea kāu e waiho ai no nā pono
E nānā a pehea e hoʻopili ai kēlā me kēia mau hopena i ka nui o kāu e loaʻa ai.
1. Ka lōʻihi o kāu hana
ʻOiaiʻoe e hana a uku i loko o ka pūnaewele Social Security e hōʻiliʻiliʻoe i nā "kumukūʻai."ʻO kahi hōʻai'ē e like like me hoʻokahi kalena kaʻina o ka hana. No ke kūponoʻana i nā uku hoʻopaneʻe palekana mālama ola, ponoʻoe i 40 mau huahelu aiʻole 10 mau makahiki o kahi hana āu i uku ai i loko o ka pūnaewele Social Security. Hiki iāʻoe ke loaʻa i nā hōʻai'ēʻehā i kēlā me kēia makahiki ma ka loaʻaʻana $ 5,200 i loko o ka makahiki (ʻo kēia ka 2017 nui a hoʻolālāʻia i kēlā me kēia makahiki ma muli o ka hoʻonuiʻana).
ʻO kāu mau makahiki he 35 a keu o ka loaʻa kālā ke hoʻohanaʻia i ka heluʻana e hoʻoholo ana i ka nui o ka uku hoʻopaleʻa, no ka loaʻaʻana o nā pono hou aʻe, e hōʻoia iāʻoe he 35 mau makahiki piha kahi āu e hana ai a uku i ka pūnaewele Social Security.
Manaʻo: He nui nā paʻahana o ke aupuni i loaʻa iā lākou kahiʻoihana hoʻomaha a me ka lawelaweʻana a kēia mau keʻena iʻoleʻoe e uku iā Social Security, a pēlā kāu hana no kēia mau keʻena i manaʻoʻole e loaʻa nā palekana Social Security. ʻO kēia ka mea i pili pinepine i nā limahana o kaʻelele, nā kumu a me nā mea'ē aʻe ma ke kula hoʻonaʻauao, nā kahu ahi, a me nā limahana lima kānāwai.
2. Ka nui o kou waiwai
ʻO kaʻoi aʻe o kāu loaʻa kālā,ʻo kaʻoi aku o ka maikaʻi o ka hoʻomaha hoʻomahaʻana, akā aia kekahi pāpale. Ua hoʻokumuʻia ka Social Security i ka hoʻololiʻana i ka uku no ka mea haʻahaʻa ma mua o ka mea iʻoi aku ka nui o ka mea kālā, no laila,ʻo kēlā me kēia makahiki kāu e uku ai i loko o ka pūnaewele wale nō i ka nui o nā kālā i heluʻia e like me ka Social Security Wage Base,ʻo ia hoʻi he $ 127,200 i ka 2017. ma muli o ka hoʻonui.
Inā makemakeʻoe eʻike i ka nui o nā makahiki o kāu kālā i loko o ka pūnaewele Social Security, e nānā i kāu'ōlelo mālama Social, a loaʻa iāʻoe i nā makahiki 5 mai ka makahiki 25 a hiki i ke 60 (a me kēlā me kēia makahiki ma hope o 60), a iʻole e hana i kaʻu Social Pūnaewele Pūnaewele ma ka pūnaewele
3. ka pono o ka makahiki āu e koho ai
Hiki iāʻoe ke koi aku i nā pono o ka hoʻomahaʻana ma ka pihaʻana o ka makahiki 62, akā loaʻa iāʻoe ka nui o ka pōmaikaʻi ināʻoe e kali a hiki i ka pihaʻana o ka makahiki 70. Loaʻa i ka nui o kāu loaʻaʻana i ka makahiki hea kāu ma muli o kāu makahiki hoʻomaha lōʻihi (FRA) i likeʻole i ka makahiki hānau. No nā mea i hānauʻia ma ka lā 2 o Ianuali, 1943, aiʻole ma hope o ka makahiki 66 a hiki i ke 67 makahiki.
Inā waihoʻoe i mua o ka loaʻaʻana o FRA, a hoʻomauʻoe i ka hana, e kāohiʻia kekahi hapa o kāu mau kōkua ma muli o kekahi mea i kapaʻia ka palena kālā . Ke loaʻaʻoe i ka FRA, hikiʻole ke hoʻohana i ka palena kālā. Inā ua maleʻoe a loaʻa iāʻoe kahiʻoihana mālama mālama kiʻekiʻeʻoi aʻe ma mua o kāu wahine,ʻo ka makahiki āu e koi nei e pili ana i nā pōmaikaʻi ola o kāu kāne.
Hoʻohuiʻia kēia mau mea a pau, hiki iāʻoe ke loaʻa ka uku waiwai nui ma ka hanaʻana a me ka ukuʻana i loko o ka pūnaewele no 35 mau makahiki, e loaʻa ana i kahi mālama mālama mālama waiwai i kēlā me kēia makahiki, a kali a hiki i ka pihaʻana o ka makahiki he 70 e hoʻomaka ai kāu mau pono.
Ka palekana mālama ola
Ua mālamaʻia ka papahana koʻikoʻi o ka mālama kino i ka pilikia o ka wā lōʻihi e manaʻoʻia ana he makahiki hoʻokahi aʻoi aʻe paha i manaʻoʻia e make i ka make. ʻAʻole ia he polokalamu o ke kino hemahema a no lailaʻaʻole e uhi iāʻoe ināʻaʻoleʻoe e hana no nā pule he mau pule a he mau mahina paha no ka maʻi a iʻole kekahi pōʻino.
No ka loaʻaʻana o nā pono o ka nele i ka pilikia, ponoʻoe e hana a ukuʻia i loko o ka pūnaewele a hōʻiliʻili i ka nui o nā hōʻai'ē e pono ai e pili ana i kāu mau makahiki, a ponoʻoe e hōʻoia i ka wehewehe o ka pilikia o Social Security.
ʻImiʻia nāʻImi Moke Loaa no ka Loaʻa
ʻO ka nui o nā hōʻai'ē āu e pono ai ke kūpono i nā paʻaho o ka kino kīnā e pili ana i kāu mau makahiki. Inā hiki iāʻoe ke hōʻole i ka 24 o kou makahiki, ponoʻoe e loaʻa iʻeono mau hōʻailona i loaʻa ma loko o nā makahikiʻekolu ma mua o kou kīnā, a ināʻoe e hemo i ka 50 o kou makahiki, pono iāʻoe he 30 mau hōʻai'ē nui, a he 20 o lākou i loaʻa i kaʻumi. makahiki ma mua o kou kīnā. Hiki i ka pūnaewele Social Security ke hāʻawi i kahi papa e hōʻike iāʻoe i ka nui o nā hōʻai'ē āu e pono ai i kēlā me kēia makahiki.
Ke wehewehe o ka pilikia
Ma mua o kou loaʻaʻana o kahi pōmaikaʻi kinoʻole, ponoʻoe e hōʻoia i ka wehewehe o ka pilikia o ka Social Security. Ke hāʻawi nei ka Social Security Administration i kahi kikowaena o nā hemahema a ho'ākāka i ka pehea e loiloi ai inā loaʻa ka hōʻinoʻia i nā kulekele no ka wā lōʻihi. Ma keʻano laulā, pono ka hōʻehaʻana iāʻoe e hana i ka hana āu i hana ai ma mua o kou kīnā, a ponoʻole ka hōʻoleʻana iāʻoe mai ka hoʻololiʻana i kekahiʻanoʻano'ē aʻe.
Ka palekana mālama ola
No nā poʻe i koe e kūpono no ka pōmaikaʻi ma kou make, e like me nāʻano waiwai'ē aʻe, ponoʻoe e hana a ukuʻia i loko o ka pūnaewele Social Security.
ʻO ka helu o nā hōʻai'ē e pono ai ma muli o kou mau makahiki i ka make. He kānāwai kūikawā e mālama ai i nā mea ola o nā limahana'ōpio e hiki ke loaʻa i nā kōkua inā loaʻa iʻeono limaʻoihanaʻeono o ka hana ma nā makahikiʻekolu ma mua o ka makeʻana.
Aiaʻelua mauʻano nui o nā kōkua palekana ola ola:
- Loaʻa i kāu wahine ma ka hoʻomahaʻana
- Nā uku i loaʻa inā loaʻa iāʻoe he mau keiki liʻiliʻi a iʻole nā mea pilikino'ē aʻe e like me ka makua hānai hānai a makua paha
1. ka palekana hoʻopalapula no ka hoa wahine
Ināʻoe a me kāu wahine e loaʻa nei i nā pōmaikaʻi hoʻomaha, ma ka make,ʻo kāu wahine (ināʻo ia he mau mahinaʻeiwa he mau mahina) e mau ana i ka nui o kou pōmaikaʻi a iʻole paha. No ka wahine i hanaʻole, he mea nui ka pōmaikaʻi ola. No ka hōʻoiaʻiʻoʻana i ka wahine i loaʻa i ka mea ola loa loa ka mea e ola ai, he mea kūpono no ka mea i loaʻa i ka mea kiʻekiʻe e hoʻolāʻihi i ka hoʻomaka o ko lākou kōkua i ka makahiki 70.
Ināʻaʻoleʻoe i hoʻomaka i kāu mau kōkua,ʻo nā rula e pili ana i ka nui o ka mea e loaʻa ai i ka hoa ola eʻoi aku ka paʻakikī, akā, ma keʻano laulā, inā ua loaʻa iāʻoe ka uku kūpono e hiki ai ke loaʻa ka uku hoʻopaneʻe, hiki i ka hoa ola ke kūpono i ka mea ola hiki iā lākou ke hoʻomaka i ka pihaʻana o ka makahiki 60.
Inā loaʻa iāʻoe kahi mare mua ma kahi o kaʻumi mau makahiki i ka lōʻihi, hiki nō hoʻi i kahi kāne pālani ke kūpono no nā pōmaikaʻi ola a me ka hoʻopiliʻana no kēia kōkuaʻaʻole ia e pili i nā pono i loaʻa i ka hoa'āina o kēia manawa a iʻole nā mea'ē aʻe.
Aia kekahi mau hanana i hiki ai i ka mea ola ke ola ke loaʻa he pono ma mua o 60 makahiki; no ka laʻana, he hiki i ka makua kāne hōʻeha ke koho i nā pōmaikaʻi olaʻole ma mua o ka 50 o kona mau makahiki, aʻo kahi hoa noho ola o nā makahiki e mālama ana i kāu keiki i hiki i ke 16 makahiki he hiki iā ia ke koho.
2. Nānā hoʻopakele no nā mea noho
Hiki ke ukuʻia nā uku pānaʻi i nāʻano pilikinoʻekolu; nā keiki liʻiliʻi (ma lalo o 18 makahiki a hiki i ka 19 mau makahiki inā hele i ke kula kiʻekiʻe a kula kiʻekiʻe), he keiki i hōʻeha i ka hiki ma mua o ka 22 makahiki, aiʻole he makahiki makua 62 makahiki aʻoi paha.
Inā 'oe a i' ole kekahi mea āu e manaʻo nei e hiki paha iāʻoe ke kōkua i ka pōmaikaʻi ola ola, pono eʻoluʻolu i ka Social Security Administration ma ka pūnaewele a iʻole e kipa i kāu keʻena noho mālama ola.
Nā pāʻoihana a me nā kūlana o ka mālama i ka pilikanaka .