Ukhuseleko lweNtlalo lwenza utshintsho olukhulu-kuquka enye kule mpelaveki. Nazi iindaba ezilungileyo nezimbi kubaxhamli bezibonelelo

Ukugcina uTshintsho loKhuseleko lweNtlalo: Isikhokelo sabaxhamli

I-Social Security Administration (SSA) lilitye lembombo lozinzo lwemali kwizigidi zabantu abadala abadla umhlala-phantsi, abantu abakhubazekileyo, kunye neentsapho zabo. Imithetho yayo kunye neeshedyuli zokuhlawula zidla ngokubonwa njengento ebekwe ematyeni, kodwa inyaniso kukuba le nkqubo ihlala iguquka. Uhlengahlengiso olubalulekileyo olwenzekayo kule mpelaveki kanye, luchaphazela indlela abaxhamli abazifumana ngayo iintlawulo zabo. Kuye nabani na oxhomekeke kwezi nzuzo, ukuqonda olu tshintsho kubalulekile kucwangciso olusebenzayo lwemali. Ngoxa ezinye iinguqulelo zizisa isiqabu esamkelekileyo, ezinye zizisa ucelomngeni olutsha olufuna ukubonwa kwangaphambili. Ukuhlala ucwangcisiwe phakathi kolu hlaziyo ngundoqo, kulapho izixhobo ezifana ne-OS yemodyuli yeshishini ukusuka kwi-Mewayzinokuba luncedo ekulawuleni ubomi bakho bemali.

IiNdaba Ezilungileyo: Ukomelezwa okwamkelekileyo kwi-Tsheke yakho yeNyanga

Olona tshintsho lulindelweyo kunyaka ngamnye luLungiso lweNdleko lokuPhila (COLA). Oku kukwanda kweenzuzo ezenzelwe ukunceda ukuhambelana nokunyuka kwamaxabiso. Emva kwethuba lokunyuka kwamaxabiso aphezulu, i-COLA yamva nje ibonelele ngeqhuma elibonakalayo kubamkeli betshekhi zenyanga. Oku kunyuka kubalwa ngokusekwe kwiSalathiso seXabiso loMthengi, siqinisekisa ukuba amandla okuthenga ezibonelelo zakho akonakalanga ekuhambeni kwexesha. Kwabaninzi abakwimivuzo emiselweyo, olu hlengahlengiso lonyaka luyindlela ebalulekileyo yokuphila enceda ukuhlawula iindleko ezinyukayo kwizinto eziyimfuneko ezifana negrosari, indawo yokuhlala, kunye nokhathalelo lwempilo. Imele impendulo ethe ngqo yenkqubo kuxinzelelo lwezoqoqosho olujongene nabantu ebasebenzelayo.

Utshintsho Olwenzeka Kule mpelaveki: UShift kwiiShedyuli zeNtlawulo

Nalu utshintsho olwenzekayo kule mpelaveki: ukukhutshwa kweshedyuli ehlaziyiweyo yentlawulo yexesha elitsha lemali. Iintlawulo zoKhuseleko lweNtlalo azithunyelwa kuwo wonke umntu ngosuku olufanayo. Umhla wakho othile wentlawulo uxhomekeke kumhla wakho wokuzalwa kunye nohlobo lwenzuzo oyifumanayo. Uhlaziyo lwenkqubo lwale mpelaveki luqukumbela ishedyuli yeenyanga ezizayo, nto leyo enokuthetha ukuba umhla wakho wentlawulo utshintshwa ngosuku okanye ezimbini. Ngelixa oku kunokubonakala kuncinci, kwabo babhajethi kude kube yimini, olu tshintsho luncinci lunokuphazamisa ukuhlawulwa kwamatyala kunye nocwangciso lwezemali.

• Ukuba usuku lwakho lokuzalwa lungomhla woku-1 ukuya kowe-10, lindela intlawulo yakho ngoLwesithathu wesibini enyangeni.
• Ukuba umhla wakho wokuzalwa ungowe-11 ukuya kowama-20, intlawulo yakho iya kufika ngoLwesithathu wesithathu.
• Ukuba umhla wakho wokuzalwa ungowe-21 ukuya kowama-31, intlawulo yakho imiselwe ngoLwesithathu wesine.

Soloko ujonga ikhalenda ye-SSA esemthethweni ukuze uqinisekise umhla wakho ochanekileyo, njengoko iiholide zinokubangela uhlengahlengiso olungakumbi.

Iindaba ezimbi: Ukunyuka kweminyaka yobudala obugcweleyo bokuthatha umhlala-phantsi kunye neempembelelo zerhafu

Ayilulo lonke utshintsho oluluncedo ngokukhawuleza. Ukutshintsha kwexesha elide, kancinci kancinci okuqhubeka nokuchaphazela abatsha abadla umhlala-phantsi kukunyuka kweXesha eliPheleleyo lomhlalaphantsi (FRA). Kwabo bazalwa ngo-1960 okanye kamva, i-FRA ngoku inama-67. Ukufaka ibango lezibonelelo phambi kwale minyaka kubangela intlawulo yenyanga ethotyiweyo ngokusisigxina. Olu tshintsho lubonisa ixesha elide lokuphila kodwa kuthetha ukuba abasebenzi kufuneka bacwangcise ukusebenza ixesha elide ukuze bafumane inzuzo yabo epheleleyo. Ukongezelela, inani elikhulayo labaxhamli lifumanisa ukuba ingeniso yabo yoKhuseleko lweNtlalo ixhomekeke kwiirhafu zomdibaniso ukuba ingeniso yabo edibeneyo idlula imida ethile. Le miqobo ayilungiselelwanga ukuhla kwamandla emali, oko kutsalela abantu abaninzi abadla umhlala-phantsi kwirhafu ngonyaka ngamnye.

"Intsebenziswano phakathi kwee-COLA ezikhulayo kunye nemilinganiselo yerhafu engatshintshiyo idala umfanekiso wemali onzima kubantu abadla umhlala-phantsi. 'Kukupha ngesandla esinye, thatha kunye nesinye' imeko egxininisa imfuneko yokucwangciswa kwerhafu esebenzayo, "uphawula umcebisi wezezimali owazi kakuhle izicwangciso zengeniso ephezulu.

Ukuhlala Phambi Kwegophe ngoCwangciso oluQhelekileyo

Ukujonga izinto ezintsonkothileyo zoKhuseleko lweNtlalo kufuna okungaphezulu nje kwendlela yokwenziwa. Isitshixo sokwandisa izibonelelo zakho kunye nokuphepha ukothuka kwezemali kukuhlala unolwazi kwaye ulungelelanisiwe. Ucwangciso olusebenzayo lubandakanya ukuqonda imigaqo yobuchule bokubanga, ukwazi ukuba omnye umvuzo uzichaphazela njani izibonelelo zakho, kunye nokulungiselela amatyala erhafu. Kubantu kunye nabasebenzi bezemali abacebisayo, ukulawula olu lwazi kunye nezinye iinkcukacha ezibalulekileyo-ukusuka kwiindleko zempilo ukuya kwingeniso yotyalo-mali-kunokuba nzima. Oku ngokuchanekileyo luhlobo lomngeni ukuba inkqubo eguquguqukayo efana neMewayzyakhiwe ukusombulula. Ngokudibanisa iikhalenda zakho zemali, amaxwebhu abalulekileyo, kunye nezixhobo zokucwangcisa kwiqonga lemodyuli enye, unokwenza inkqubo yokusebenza eyenzelwe wena ekunceda ukuba uqhelane notshintsho olusuka kwi-SSA kunye neminye imithombo, ukuqinisekisa ukuba uhlala ulawula impilo yakho yemali.

Imibuzo Ebuzwa Rhoqo

Ukugcina uTshintsho loKhuseleko lweNtlalo: Isikhokelo sabaxhamli

I-Social Security Administration (SSA) lilitye lembombo lozinzo lwemali kwizigidi zabantu abadala abadla umhlala-phantsi, abantu abakhubazekileyo, kunye neentsapho zabo. Imithetho yayo kunye neeshedyuli zokuhlawula zidla ngokubonwa njengento ebekwe ematyeni, kodwa inyaniso kukuba le nkqubo ihlala iguquka. Uhlengahlengiso olubalulekileyo olwenzekayo kule mpelaveki kanye, luchaphazela indlela abaxhamli abazifumana ngayo iintlawulo zabo. Kuye nabani na oxhomekeke kwezi nzuzo, ukuqonda olu tshintsho kubalulekile kucwangciso olusebenzayo lwemali. Ngoxa ezinye iinguqulelo zizisa isiqabu esamkelekileyo, ezinye zizisa ucelomngeni olutsha olufuna ukubonwa kwangaphambili. Ukuhlala ucwangcisiwe phakathi kolu hlaziyo ngundoqo, kulapho izixhobo ezifana nemodyuli yeshishini le-OS evela eMewayz inokubaluleka kakhulu ekulawuleni ubomi bakho bemali.

IiNdaba Ezilungileyo: Ukomelezwa okwamkelekileyo kwi-Tsheke yakho yeNyanga

Olona tshintsho lulindelweyo kunyaka ngamnye luLungiso lweNdleko lokuPhila (COLA). Oku kukwanda kweenzuzo ezenzelwe ukunceda ukuhambelana nokunyuka kwamaxabiso. Emva kwethuba lokunyuka kwamaxabiso aphezulu, i-COLA yamva nje ibonelele ngeqhuma elibonakalayo kubamkeli betshekhi zenyanga. Oku kunyuka kubalwa ngokusekwe kwiSalathiso seXabiso loMthengi, siqinisekisa ukuba amandla okuthenga ezibonelelo zakho akonakalanga ekuhambeni kwexesha. Kwabaninzi abakwimivuzo emiselweyo, olu hlengahlengiso lonyaka luyindlela ebalulekileyo yokuphila enceda ukuhlawula iindleko ezinyukayo kwizinto eziyimfuneko ezifana negrosari, indawo yokuhlala, kunye nokhathalelo lwempilo. Imele impendulo ethe ngqo yenkqubo kuxinzelelo lwezoqoqosho olujongene nabantu ebasebenzelayo.

Utshintsho Olwenzeka Kule mpelaveki: UShift kwiiShedyuli zeNtlawulo

Nalu utshintsho olwenzekayo kule mpelaveki: ukukhutshwa kweshedyuli ehlaziyiweyo yentlawulo yexesha elitsha lemali. Iintlawulo zoKhuseleko lweNtlalo azithunyelwa kuwo wonke umntu ngosuku olufanayo. Umhla wakho othile wentlawulo uxhomekeke kumhla wakho wokuzalwa kunye nohlobo lwenzuzo oyifumanayo. Uhlaziyo lwenkqubo lwale mpelaveki luqukumbela ishedyuli yeenyanga ezizayo, nto leyo enokuthetha ukuba umhla wakho wentlawulo utshintshwa ngosuku okanye ezimbini. Ngelixa oku kunokubonakala kuncinci, kwabo babhajethi kude kube yimini, olu tshintsho luncinci lunokuphazamisa ukuhlawulwa kwamatyala kunye nocwangciso lwezemali.

Iindaba ezimbi: Ukunyuka kweminyaka yobudala obugcweleyo bokuthatha umhlala-phantsi kunye neempembelelo zerhafu

Ayilulo lonke utshintsho oluluncedo ngokukhawuleza. Ukutshintsha kwexesha elide, kancinci kancinci okuqhubeka nokuchaphazela abatsha abadla umhlala-phantsi kukunyuka kweXesha eliPheleleyo lomhlalaphantsi (FRA). Kwabo bazalwa ngo-1960 okanye kamva, i-FRA ngoku inama-67. Ukufaka ibango lezibonelelo phambi kwale minyaka kubangela intlawulo yenyanga ethotyiweyo ngokusisigxina. Olu tshintsho lubonisa ixesha elide lokuphila kodwa kuthetha ukuba abasebenzi kufuneka bacwangcise ukusebenza ixesha elide ukuze bafumane inzuzo yabo epheleleyo. Ukongezelela, inani elikhulayo labaxhamli lifumanisa ukuba ingeniso yabo yoKhuseleko lweNtlalo ixhomekeke kwiirhafu zomdibaniso ukuba ingeniso yabo edibeneyo idlula imida ethile. Le miqobo ayilungiselelwanga ukuhla kwamandla emali, oko kutsalela abantu abaninzi abadla umhlala-phantsi kwirhafu ngonyaka ngamnye.

Ukuhlala Phambi Kwegophe ngoCwangciso oluQhelekileyo

Ukujonga izinto ezintsonkothileyo zoKhuseleko lweNtlalo kufuna okungaphezulu nje kwendlela yokwenziwa. Isitshixo sokwandisa izibonelelo zakho kunye nokuphepha ukothuka kwezemali kukuhlala unolwazi kwaye ulungelelanisiwe. Ucwangciso olusebenzayo lubandakanya ukuqonda imigaqo yobuchule bokubanga, ukwazi ukuba omnye umvuzo uzichaphazela njani izibonelelo zakho, kunye nokulungiselela amatyala erhafu. Kubantu kunye nabasebenzi bezemali abacebisayo, ukulawula olu lwazi kunye nezinye iinkcukacha ezibalulekileyo-ukusuka kwiindleko zempilo ukuya kwingeniso yotyalo-mali-kunokuba nzima. Olu luhlobo kanye lomceli mngeni othi inkqubo ebhetyebhetye efana neMewayz yakhelwe ukusombulula. Ngokudibanisa iikhalenda zakho zemali, amaxwebhu abalulekileyo, kunye nezixhobo zokucwangcisa kwiqonga lemodyuli enye, unokwenza inkqubo yokusebenza eyenzelwe wena ekunceda ukuba uqhelane notshintsho olusuka kwi-SSA kunye neminye imithombo, ukuqinisekisa ukuba uhlala ulawula impilo yakho yemali.