Ofayan mafi mahimman ma'auni don Tsaron Tsaro shine, ba tare da wata shakka ba, tushen tsari. Lokaci ne da aka yarda dashi sosai amma yawanci ana rikice dashi tare da tushen gudummawa, alhali a zahiri basu da ma'ana iri ɗaya. Kuma ga wannan mun ƙara hakan kirga tushen tsari ya dogara da fa'idodin da kake so.
Ana amfani da tushen tsari don lissafin fa'idodi da yawa, kamar rashin aikin yi, fansho na ritaya, nakasa ta ɗan lokaci ... Amma ta yaya ake lissafta shi? Menene ma'auni? Akwai dabara? Za muyi magana game da wannan duka a ƙasa.
Menene tushen tsari
Abu na farko da yakamata ka sani game da tushen tsari shine ma'anar kansa. Kuma shine cewa zamu iya fahimtar tushen tsari kamar haka:
"Sikeli da Social Security ta yi amfani da shi don kafa fa'idodin da ma'aikaci ya cancanta."
Wato, shi ne ɗayan kayan aikin da Social Security ta yi amfani da su don tantance ko ma'aikaci ya cancanci fa'ida kuma, idan haka ne, menene ribar da zata dace dashi (kuɗin da zai karɓa kowane wata) da kuma lokacin da zai tara wannan kuɗin.
Hakanan, tushen tsari ya dogara da tushen gudummawa don a kirga shi. A lokuta da yawa, duka sikelin suna ba da adadi iri ɗaya, amma akwai lokacin da ba lallai ne hakan ya zama haka ba.
Yadda ake kirga tushen tsari
A wannan lokacin muna son zama mafi amfani kuma muna ba ku jagora wanda zaku san yadda za ku lissafa tushen ƙa'idodi bisa ga fa'idodi daban-daban da zaku iya samu. Kuma akwai bambanci tsakanin lissafin rashin aikin yi da rashin aikin yi, ko nakasa ta wani lokaci. Saboda haka, a ƙasa mun rarraba jigon tsakiya zuwa sassa da yawa.
Gaba ɗaya, Don sanin menene tushen tsari na mutum dole ne ku fara sanin menene tushen gudummawar wannan mutumin. Da zarar kun samu, tsarin zai dogara ne akan ko tana karbar albashinta kowane wata ko kuma a kowace rana.
Idan na wata ne, tsarin da za'a kirga zai kasance:
- Asalin gudummawa / kwanaki 30 (ba tare da la’akari da cewa watan yana da yawa ko daysan kwanakin ba)
Idan yau da kullun ne, to tsarin zai kasance:
- Gwargwadon gudummawa / adadin kwanakin watan (a nan yana tasiri cewa wata yana da yawa ko oran kwanakin da suka rage).
Wannan sakamakon da ya fito zai zama tushen tsarinku. Koyaya, abin al'ada shine adadi da aka samo shine na lokaci mai tsayi. Kamar yadda za mu gani a ƙasa, gwargwadon fa'ida, za a yi la'akari da tushen bayar da gudummawa mafi girma, wanda kuma zai sa tushen tsarin ya zama babba.
Lissafi tushen tsarin rashin aikin yi
Amfanin rashin aikin yi, ko kuma rashin aikin yi, yana amfani da tushen tsari don ƙididdige abin da Social Security zai biya ku. Amma, don fara hanyoyin ya zama dole mutum an jera su tsawon kwanaki 180.
Watau, don kirga tushen tsari, ana buƙatar tushen gudummawar kwanakin 180 na ƙarshe. Da zarar an samu, an ƙara kuma an raba, zaku iya sanin menene adadin da zai dace da ku, amma ku kiyaye, ba zai kasance har abada ba, amma za a ƙayyade shi zuwa wani lokaci.
Kari akan haka, kawai a cikin watanni 6 na farko zasu karbi 70% na wancan tushe, yayin da, daga ranar 181, kudin ya sauka zuwa 50%.
Lissafa tushen tsarin ritayar ku
Lissafin tushen tsarin fansho na ritaya yana buƙatar ku sami tushen gudummawar wannan ma'aikacin a hannu. Kuma ba wai kawai na shekarar da ta gabata ba, amma na shekarun da suka gabata ne.
Musamman, don ƙididdige tsarin ƙa'idar yin ritaya tushen gudummawa na shekaru 24 da suka gabata ya zama dole (A batun 2022 zai zama shekaru 25). Dole ne ku haɗa duk waɗannan tushen gudummawar tare (idan sun kasance iri ɗaya ne, za a ninka su duka). Bayan haka, ya rage kawai don amfani da dabara wanda, a wannan yanayin, zai kasance.
Tushen bayar da gudummawa (jimlar duka, zai zama duka 288) / 345.
Dalilin da yasa akwai 345 shine saboda, kodayake abin da aka yi shine don lissafin asusun bayar da gudummawa la'akari da cewa akwai 12 a kowane wata, idan ya zo karbar fansho, ƙarin biyan kuɗin ma ya shigo cikin wasa kuma waɗannan suna tasiri tsarin. Ta wannan hanyar, idan har 2021 su 345 ne, a game da 2022 zai kasance tsakanin 350 saboda talakawa da ƙarin kuɗin da ake karɓa kowace shekara ana la'akari dasu (biya biyu na shekaru 25).
Sakamakon zai zama tushen tsarinku. Amma ba ainihin abin da za a karɓa don fansho ba.
Kuma, kamar yadda aka kafa ta Social Security, zaku sami:
- 50% idan kuna da gudummawar shekaru 15 (mafi ƙaranci).
- 100% na tushen tsari idan kuna da shekaru 35 ko fiye da gudummawa.
Amma, yi hankali, saboda daga 2027, don samun 100% na tushe, kuna buƙatar samun shekaru 37 na gudummawa.
BR na aikin kai tsaye
Kodayake masu zaman kansu ba su da ikon karɓar fa'idodin aikin yi, amma akwai irin wannan adadi a gare su: dakatar da aiki. Hakanan kuma tushen tsarin da wannan ma'aikacin da yake aikin kansa yake da shi zai rinjayi shi.
Don yin lissafi, ya zama dole hakan - suna da tushen tallafi na watanni 12 na ƙarshe, ta hanyar da dole ne ku ƙara su kuma ku yi amfani da dabara tun kafin:
- Tushen gudummawa (jimillar duka watanni 12 kafin dakatarwa) / watanni 12. Wannan shine yadda zaku sami asalin ƙa'idar ƙa'idar aiki ta hanyar dakatar da aiki.
Yanzu, ba za ku caji 100% na wannan ba, amma a zahiri abin da za ku caje zai zama 70% na wannan ƙa'idar tsarin.
Game da lokaci, wannan zai zama iyakar watanni 12 matuƙar kuna da ƙaramar gudummawar watanni 48. Game da mafi karancin lokaci, zai kasance watanni 2 (inda dole ne ku sami gudummawa tsakanin watanni 12 da 17).
BR na amfanin uwa da uba
Don haihuwa da na uba, tushen tsarin kulawa da za'a kula dashi yana bukatar gudummawar gudummawa na watan kafin haihuwa ko izinin mahaifin mahaifin (Na karshen zai yi daidai da ranar haihuwar jaririn).