Izwi rekuti hwaro hwekutonga inyaya yakakosha zvikuru iyo inokanganisa kusvika padiki kana padiki pane zvese hupenyu hwako hwehunyanzvi uye hwehupenyu. Uye ndezvekuti chiyero ichi ndicho chinoshandiswa neSocial Security kuverenga zvimwe zvakanaka. Naizvozvo, iwe unofanirwa kuzviziva zvakare nekugona.
Mune ino kesi, isu tichataura newe nezve chii chiri chigadziko chemutemo, kuti ungaiverenga sei uye kuti ungaziva sei hwaro hwekutonga mumamiriro ezvinhu akasiyana, senge pamudyandigere, muhoro, kuremara, kushaya mabasa ...
Chii chiri chigadziko chemutemo
Sezvatakambotaura, iyo yekumisikidza base chiyero. Iyi ndiyo inoshandiswa neSocial Security kuverenga mabhenefiti evashandi (kana kusashanda). Semuenzaniso, iyo yekumisikidza base ndiyo inosarudza kuremara kubatsirwa (kwechinguva kana kwechigarire), mudyandigere mudyandigere, kusashanda kwemabasa ...
Mune mamwe mazwi, tiri kutaura nezve avhareji yezvipo zvese zvakaitwa nemushandi kusvika panguva iyo yaanofanira kuverenga. Izvi zvinobva zvavakirwa pachigadziko chemupiro. Uye kuti uite kuverenga, zvinodikanwa kutevedzera zvidiki kuti ugone kuzviita.
Mutemo webazi uye mupiro base
Kubva pane zvatakambotaura, gwaro rinodzora rine chekuita neyakaipirwa base. Izvo hazvina kufanana, asi izwi rimwe uye rimwe zvinokwana pamwechete.
Uye ndizvo izvozvo hwaro hwekutonga hunogara huchienderana nemupiro wemushandi iyeye, kunyanya mutengo wenguva yenguva. Zvichienderana nekuti mushandi akapa zvakadii, ichave nemitemo kana imwe, uye izvi zvinogona kusanganisira bhenefiti hombe kana shoma paunenge uchiverenga.
Maitiro ekuverenga iyo inogadziriswa base
Kuverenga hwaro hwekutonga hakuna kuoma zvachose. Asi kuti uzviite, iwe unofanirwa kuziva kuti mushandi wemipiro chii. Uye zvakare, kune nzira mbiri dzekuita kuverenga.
- Iwe unogona kuzviita nemari yemwedzi wega wega. Kuti uite izvi, iwe unongofanirwa kupatsanura nemakumi matatu (zvisinei kuti pane mwedzi ine mazuva makumi matatu kana makumi maviri nemasere).
- Unogona kuzviita nemari yezuva nezuva. Mune ino kesi, iwe unogovanisa zvinoenderana nemazuva emwedzi, angave ari makumi maviri nesere, makumi maviri neshanu, makumi matatu kana makumi matatu nematatu.
Zvino pane zvimwe zvakasarudzika zvaunofanira kufunga nezvazvo zvinotevera:
- Kana mushandi aine basa rinopfuura rimwe. Kana munhu asina basa rimwe chete, asi akati wandei, zvakafanira kuisa mubhadharo webasa rese remushandi iyeye, uye nekuona kuti huwandu hwakanyanya huri kushanda haupfuure.
- Kana iwe uri wenguva-yenguva mushandi. Paunoshanda chikamu-chenguva, uchafanirwa kuwedzera mabheseni emipiro uye ugovaganura nemazuva akapihwa.
- Panyaya yezvibvumirano zvekudzidzisa. Mune ino mamiriro, iwo wekumisikidza hwaro anogara ari iwo mashoma mashoma mupiro. Izvi zvakafananawo nenyaya yechibvumirano chekutsvaga.
- Kune vashandi vekumba. Nheyo yemupiro yemwedzi wapfuura ichagovewa ne30.
Kudzora pamubhadharo
Bumbiro remitemo mubhadharo rinoreva mubairo wakakura wemushandi iyeye. Mune mamwe mazwi, iwo mubhadharo usingabvisise zvinoregedzwa kana zvipo kumari iyoyo, ndosaka iyo nhamba iri pamusoro pane izvo chaizvo zvinogamuchirwa.
Zviripachena, iyo yepamusoro iyo base, iyo huru iyo bhenefiti inogamuchirwa.
Kunyanya, mune ino kesi hwaro hwezvipo kana hwaro hwebhadharo rinotungamirwa nechinyorwa 147 cheGeneral Mutemo weSocial Security. Inotsanangudza kuti, kana uchiiverenga, muhoro wakakura pamwe nemari yekuwedzeredza (inogara yakashongedzwa) pamwe nezororo uye nguva yekuwedzera zvichazotarisirwa. Zvimwe zvese zvakasara.
Kurega basa BR
Imwe yenguva dzakakosha kwazvo pachigadziko chekutonga ndipo kana zvasvika pakuziva kuti ndeipi mudyandigere inowirirana newe. Uye iri izwi iri rakabata kiyi kune zvese.
Iyo mudyandigere mudyandigere inoverengerwa kubvisa hwaro hwekutonga kubva mumakore ekupedzisira ekurega basa. Semuenzaniso, kwegore ra2021, makore makumi maviri nemana ekupedzisira anotarisirwa, nepo, muna 24, ichave iri makore 2022 apfuura. Nekudaro, nekufamba kwenguva, kunouya nguva yekuti, kuti uzive kuti pamudyandigere uchave nei, unofanira kuongorora makore makumi matatu apfuura ehupenyu hwako hwekushanda.
Kudzora kwekushomeka kwemabasa
Paunenge uchizokumbira kushaya basa nekuda kwekumiswa kwechibvumirano chako chebasa, iwe unofanirwa kuziva kuti yako yekumisikidza base ichaverengerwa nekuyera iyo mipiro yemazuva ekupedzisira zana nemakumi masere, tichiverenga mazuva ekarenda. Izvi zvinorevei? Zvakanaka, kana kondirakiti yako isina kumbochinja, uye iwe uchigara uchibhadharisa zvakafanana, zvakajairika kuti mupiro wako nedare rekutonga zvakafanana.
Asi, ko kana mukati memazuva zana nemakumi masere wanga uine zvibvumirano nezvigadziko zvakasiyana? Avhareji yeawo ese angaitwa, uyezve zvobva zvasiyana pakati peimwe pfungwa neiyi.
BR mune nyaya yekuremara
Sezvaunoziva, hurema hunogona kuve hwemhando mbiri: kwenguva pfupi kana zvachose (tinosiya kuremara kukuru).
Kana uchiverenga hwaro hwekuremara kwenguva pfupiIwe unofanirwa kuziva kuti izvi zvinowanikwa nekukamura chikamu chemupiro chemwedzi wapfuura nemazuva makumi matatu. Asi zvichave zvemazuva iwayo chete kana mushandi aine muhoro wemwedzi. Kana iwe unazvo zuva nezuva, chinofanira kuve chakakamurwa nenhamba yemazuva mumwedzi umo dambudziko rinogadzira kuremara kwenguva pfupi kwakaitika (30, 28, 29 kana 30 mazuva).
Uye muchiitiko chekuti urema uhu hunoitika mumwedzi mumwe chete iwo waunotanga kushanda, chete mune izvozvi, hwaro hwemupiro huchave hwemwedzi iwoyo chaiwo.
Kana iri hurema zvachose, hwaro hwekutonga huchaenderana nechikonzero chakonzera hurema uhu, nekuti zvinogona kunge zvichikonzerwa nechirwere chakajairika, tsaona kana chirwere chebasa, kana tsaona isiri yebasa.
Kunyatsoziva iwo manhamba iwe unogona kuenda kune Social Security webhusaiti kwazvinosimudzwa chii chichava hwaro hwekutonga mune yega kesi dzakatsanangurwa pamusoro.