Hiki iāʻoe ke hana i kekahi mau hana e hoʻonui i kāu palekana Social Security
ʻO ka nui e loaʻa iāʻoe ma Social Security inā haʻaleleʻoe i ka pōhaku i kālaiʻia? Aia kahi helu i kohoʻia a hikiʻole ke heluʻia e pili ana i kāu kālā i hoʻopaʻaʻia aiʻoe? ʻAʻole pololei. Hiki iāʻoe ke hoʻohana i kekahi mau pale no ke ola palekana no ka loaʻaʻana o kāu mau kōkua palekana Social Security, akāʻo kēlā mea kēia mea ke hana i kekahi mau hanana. ʻO ka nui o nā papahana e koi aku iāʻoe i kekahi mau makahiki, he lā hānau kāu e hāʻule ana ma mua o ka lā i hala, aiʻoleʻoe e ola maikaʻi. Eia kekahi mau manaʻo no ka hoʻomaluʻana i kāu kālā mālama ola.
01 Pūlekana Ola Hauleʻa no ka Hoa Mea Loaʻole
He mea maʻalahi nā pōmaikaʻi Spousal- keʻae nei i kāu wahine e hōʻiliʻili i kahi kōkua e like me kāu kālā loaʻa ma mua o kāna pono'ī. Hiki iā ia ke hana nui ināʻaʻoleʻo ia i hana a inā pahaʻo kona mau pono pono'ī e emi iho ana. Loaʻa nā kōkua maikaʻi no nā hoa loea ma mua, no ka lōʻihi o kou maleʻana i nā makahiki he 10. ʻO ka noiʻana i nā kōkua waiwai ka mea hiki ke hāʻawi i nā kālā i hōʻoia hou no nā kāne hoʻokahi. Ke hana nei kēia maʻalahi inā loaʻa iāʻoe nā makahiki he nui no ka hoʻolālāʻana no kou pono ponopai Social Security, a ua waiho akuʻoe no kēlā mau pono. Inā ua haʻalele iāʻoe, hiki i kāu ex ke koi aku i kahi waiwai maikaʻi ma kāu papa hana ināʻoe i hoʻounaʻoleʻia no nā pono pono'ī āu, akā, pili kēia i nā kānāwai.
02 E hōʻiliʻili i ka pono o ka pōmaikaʻi, a laila e kiʻi i kāu pono ma hope
ʻO kēia papahana i kapaʻia he "file a hoʻomaha loa" aiʻole "e hōʻiliʻili i kēia manawa / e hōʻuluʻulu hou." Hoʻohui pinepineʻia me ka hoʻohanaʻana i kahi noi i kaupalenaʻia e hiki ai i kāu kāne ke hōʻiliʻili ma kāu mau waihona kālā a loaʻa mau kāu mau pono. Hiki iāʻoe ke hōʻiliʻili ma kāna moʻolelo me ka loaʻaʻana o kāu mau pono. ʻO ka mea pōʻino, ua hoʻopauʻia nā papahana Social Security hou i ka kōnae a me ka hoʻopaneeʻana i ka lā 3 oʻApelila, 2016 no nā mea i hānau ma Ianuali 2, 1954 a ma hope paha, no laila, ponoʻole kēia maʻamau inā hiki i ka wā lōʻihi o ka hoʻomahaʻana . 03 Nā Pōmaikaʻi Loaʻa Ma o ka lawelaweʻana 35 Nā Makahiki
Ke hoʻohana nei ka Social Security i kāu mau makahiki he kanakolukumamālima o ka moʻolelo o ka hana e helu ai i ka loaʻaʻana o ka uku maʻamau o kāu kālā . ʻO kēia ka mea e hoʻoholo ai i ka nui o kāu pōmaikaʻi palekana mālama ola, no laila e hoʻomaopopo iāʻoe he 35 mau makahiki o ka moʻaukala hana e hoʻonui i kāu mau waiwai ma mua o kāu noi. Ināʻoe i lalo o 35 mau makahiki o ka mōʻaukala hana, a inā he nui nā makahiki loaʻa haʻahaʻa i waena o nā makahiki 35 āu i loaʻa akā ua loaʻa nei iāʻoe nā mea hou, makemakeʻoe e hoʻomau i ka hana. ʻO kekahi o kāu mau makahiki hoʻonui kiʻekiʻe e hoʻokuʻi i kekahi o kāu kālā haʻawina mai ka luna 35 a hiki i kāu mau pōmaikaʻi nui aʻe.
04 E hoʻokuʻu i ka hoʻokaʻawaleʻana
Hiki iāʻoe ke hoʻonui i kāu kālā mālama palekana ma ka 25 pakeneka aʻoi aʻe paha ma ka kaliʻana a hiki i ka pihaʻana o nā makahiki he 70 e hōʻiliʻili i nā pono-ʻoiai inā e ho'ōkiʻoe i ka hana ma mua. ʻO kēia ka mea e hiki ai iāʻoe ke hōʻiliʻili i nā hōʻailona hoʻomaha lōʻihi . Hiki ke hana maikaʻi inā hoʻohanaʻoe i kēia papahana i hui pū me nā mea'ē aʻe a inā he ola ola kāu. He helehelena maikaʻi loa ia ma ka hoʻolālā haʻahaʻa haʻahaʻa. Akā inā loaʻa iāʻoe nā pilikia olakino a manaʻoʻoeʻaʻoleʻoe e ola i nā makahiki i hala aku nei i ka 80 aʻaʻole paha,ʻaʻole paha he maikaʻi maikaʻi kēia.
E hoʻopau i nā helu
Aia kekahi mau helu helu mālama ola i waho e hōʻike ana iāʻoe i ka nui o ke kālā e loaʻa iāʻoe ma ka hoʻohanaʻana i kekahi o kēia mau kumuhana me kekahi. E ho'āʻo i hoʻokahi aʻoi aʻe paha o lākou a hoʻohui a pili i kāu mau koho e hoʻoholo ai i ka pono maikaʻi loa āu e loaʻa ai ināʻoe e koho i nā koho.