Uaʻike au e kali wau a hiki i kekahi mau makahiki ma mua o ka hiki iaʻu ke loaʻa nā pōmaikaʻi, akā, pehea ka makahiki?
Pane:
Hiki iāʻoe ke hoʻomaka ma kahi o ka pihaʻana o ka makahiki 62 a hiki i ka pauʻana o ka makahiki 70. Akā, hiki iāʻoe ke loaʻa nā pono kūpono inā loaʻa iāʻoe ka makahiki hoʻomaha maʻamau a "piha makahiki hoʻomaha piha" e like me ka Social Security Administration.
No nā mea i hānauʻia ma hope o ka makahiki 1937, hiki ke piha piha makahiki piha i 65 a 67 mau makahiki, e pili ana i ka wā i hānauʻia aiʻoe.
Ināʻoe i hānau i waena o 1937 a 1942, he 65 mau makahiki o ka hoʻomaha loa . He 65 a meʻelua mahina, 4 mahina, 6 mahina, a pēlā aku, e like me kāu hānau hānau. Ināʻoe i hānau ma waena o 1942 a me 1959, he 66. ka makahiki o ka hoʻomahaʻana.ʻO ka manawa hoʻokahi, e pili ka makahiki i hānauʻia (ināʻo ka lā hānau o Ianuali 1, e nānāʻoe i ka makahiki hānau mua). No nā mea i hānauʻia 1960 a ma hope paha, he 67 mau makahiki o ka hoʻomaha makahiki piha.
He aha inā makemake au e hoʻomaka i ka loaʻaʻana o nā kōkua kōkua kaiāulu?
Inā hoʻomakaʻoe i ka mālama mālama ola ma ka makahiki 62, e ho'ēmiʻia kāu mau pono o ka mahina -ʻo ia hoʻi he 30%. Hoʻonui lākou i kēlā makahiki kēia makahiki i kou kokokeʻana i ka makahiki piha piha, ma ia manawa e loaʻa ai iāʻoe nā pono piha.
No laila, ināʻoe he 67 makahiki, i ka makahiki 62, e loaʻa iāʻoe he 30% o ka emiʻana o nā pono. I ka makahiki 63, loaʻa iāʻoe he mau mea hou aku: he 25% o nā pōmaikaʻi. E loaʻa iāʻoe he 20% hoʻoemi i ka makahiki 64, a pēlā aku.
He aha inā iaʻu e kali ana e loaʻa nā kōkua palekana pili ola?
Inā hoʻolālāʻoe i ka loaʻa o nā kōkua mālama ola a hiki i ka pauʻana o ka makahiki piha, e loaʻa iāʻoe nā hōʻai'ē kōkua e hoʻonui ana i ka nui o ka nui āu e loaʻa ai inā hoʻomakaʻoe. Akā, piʻi ka uluʻana i ka wā i hiki aiʻoe i ke 70 makahiki.
No laila, inā he 67 ka makahiki o ka hoʻomahaʻana piha, hiki iāʻoe ke hoʻonui i kahi hoʻonui he 8% i kēlā me kēia makahiki e pani aiʻoe i kāu mau kōkua, a hiki i kou 70 makahiki.
Eia naʻe, inā e hoʻolāʻihiʻoe i ka loaʻaʻana o kāu mau pōmaikaʻi, ponoʻoe e noi no Medicare ma mua o ka 65 makahiki. Manaʻo ka Social Security Administration e hoʻomaka i ka hana iʻekolu mau mahina ma mua o kou 65 makahiki. Ināʻaʻoleʻoe e hana i kēia, hiki iāʻoe ke hoʻohana hou ma hope o ka 65 makahiki. Akā, aia kekahi manawa kūpono no ka hanaʻana pēlā. A no kēlā makahiki kēia makahiki iʻoleʻoe e hana, hiki i kāu kālā makahiki Medicare Part B hiki ke hoʻonui i ka 10%.
Pehea e hoʻohana ai ka hana i nā kōkua palekana?
Hiki iāʻoe ke loaʻa nā palekana Social Security a hana i ka manawa like. ʻO kaʻoiaʻiʻo, hiki iāʻoe ke hōʻiliʻili i ka makahiki 62, ināʻoe e hana nei,ʻaʻole paha. Eia naʻe, inā e hōʻiliʻiliʻoe i nā pōmaikaʻi ma mua o kou piha pihaʻana, e hoʻopaneʻeʻia kou mau pōmaikaʻi e ka $ 1 no kēlā me kēia $ 2 āu e loaʻa ai ma luna o $ 15,720 i ka makahiki 2015. Inā hanaʻoe i loko o ka makahiki e hiki aiʻoe i ka makahiki piha piha, $ 1 i nā pono e unuhiʻia no kēlā me kēia $ 3 āu i loaʻa ai ma luna o ka palena kiʻekiʻe ($ 41,880 i ka makahiki 2015), akā,ʻo ka helu helu kālā wale nō ma mua o ka mahina e loaʻa ai kāu makahiki hoʻomaha piha. (Nānā:ʻO ka palena kālā no ka 2016ʻaʻole i paʻiʻia e ka Social Security Administration i ka manawa o kēia hōʻano hou akā eʻikeʻia maʻaneʻi i ka manawa e loaʻa ai.) Ke hikiʻoe i kahi makahiki hoʻomaha piha, hiki iāʻoe ke loaʻa kāu mau kōkua me ka palenaʻole i kāu loaʻa nā uku.
He aha ka makahiki kiʻekiʻe loa e hoʻomaka ai e loaʻa nā kōkua palekana pili aupuni?
No kēlā me kēia mea e pono ai,ʻaʻole i loaʻa i ka Social Security Administration nā makahiki i makemakeʻia e hoʻomaka ai e loaʻa nā pōmaikaʻi. ʻO ka'ōlelo hoʻoholo loa ia iāʻoe. E emi iki ana kāu hoʻomakaʻana i ka wanaʻao, aiʻole ka pōmaikaʻi nui aʻe ināʻoe e kali a hiki i ka 70. Hiki iāʻoe ke helu i keʻano ma ka pūnaewele SSA.
Eʻike hou aku e pili ana i ka hōʻiliʻiliʻana i nā palekana Social Security:
Pehea e Noi ai no ka pono o ka hoʻopakeleʻana i ka palekana
Hiki iaʻu ke loaʻa kahi ola palekana inā wau e hana ana?
Ka palekana Social Security Spousal
Nāʻauhau ma nā kōkua palekana
Kumu: Social Security Administration, 2015
KA HOʻOLEA: ʻO nā pūnaewele pūnaewele, a me kaʻike e pili ana i kaʻaoʻao a me kēia pūnaewele, he manaʻo a heʻike. ʻOiai wau i hana i nā mea a pau e pili pono i kaʻike a pololei,ʻaʻole hiki iaʻu ke hōʻoiaʻiʻo e pololei.
Eʻoluʻolu eʻimi i ke kōkuaʻana i ke kānāwai, aiʻole kōkua mai ka Moku'āina, Federal, a iʻole nā Aupuni Aupuni i mea e maopopo ai i ka hoʻoholo a me nā hoʻoholo kūpono. ʻAʻole kēia loiloi i nā'ōlelo loio a no ka alakaʻi wale nō.