Chimwe chezviyero zvakakosha zveSocial Security ndechekuti, pasina mubvunzo, chigaro chekutonga. Iri izwi rinonyanya kuzivikanwa asi rinowanzo nyonganiswa nechigadziko chemupiro, apo pachokwadi idzo dzisiri pfungwa dzakafanana. Uye kune izvo isu tinowedzera izvo kuverenga iyo yekumisikidza base kunoenderana nebhenefiti yaunoda.
Iyo yekumisikidza base inoshandiswa kuverenga akawanda mabhenefiti, akadai sekushaikwa kwemabasa, mudyandigere pension, kuremara kwenguva pfupi ... Asi zvinoverengerwa sei? Ndeapi masikero? Pane fomula here? Tichataura nezve izvi zvese pazasi.
Chii chiri chigadziko chemutemo
Chinhu chekutanga iwe chaunofanirwa kuziva nezve mutemo wedhisheni ndiyo dudziro yayo. Uye ndezvekuti isu tinogona kufungidzira hwaro hwemutemo seinotevera:
"Chiyero chinoshandiswa neSocial Security kumisikidza mabhenefiti ayo mushandi anofanirwa."
Ndokunge, ndizvo chimwe chezviridzwa zvinoshandiswa neSocial Security kuona kana mushandi ane kodzero yekuwana rubatsiro uye, kana zvirizvo, ndeipi mari yaizowirirana naye (mari yaaizotambira pamwedzi) pamwe nenguva yaaizotora mari iyoyo.
Nekudaro, hwaro hwepamutemo hunotsamira padanho remupiro kuti uverengerwe. Pane dzakawanda nguva, zviyero zviviri zvinopa iwo wakaenzana nhamba, asi pane nguva apo izvi hazvifanirwe kunge zvakadaro.
Maitiro ekuverenga iyo inogadziriswa base
Pane ino chiitiko isu tinoda kuve tichinyatsoita uye tinokupa iwe gwara raunoziva maitiro ekuverenga iyo base base maererano nezvakasiyana mabhenefiti iwe aunogona kuwana. Uye pane musiyano uripo pakati pekuverengwa kwekushaikwa kwemabasa nekushaikwa kwemabasa, kana kuremara kwechinguva. Neichi chikonzero, isu takagovanisa iyo yepakati theme muzvikamu zvinoverengeka pazasi
Kazhinji, Kuti uzive chii chiri mutemo wedunhu remunhu unofanira kutanga waziva kuti chii chiri mupiro wedura wemunhu iyeye. Paunenge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinazvo.
Kana iri yemwedzi nemwedzi, iyo nzira yekuverenga ichave iri:
- Mupiro wedenga / mazuva makumi matatu (zvisinei nekuti mwedzi une mazuva mazhinji kana mashoma).
Kana iri yemazuva ese, fomula yacho ingave iri:
- Mupiro wedenga / nhamba yemazuva emwedzi (apa zvinokanganisa kuti mwedzi une mazuva mazhinji kana mashoma).
Mhedzisiro iyoyo inobuda ichave yako yekumisikidza base. Nekudaro, chinhu chakajairika ndechekuti iyo nhamba yakawanikwa ndeye yenguva yakareba yenguva. Sezvatichaona pazasi, zvichienderana nerubatsiro, hwaro hwakakura hwemupiro huchafungidzirwa, izvo zvakare zvichaita kuti hwaro hwepamutemo huwedzere.
Verengai hwaro hwepamutemo hwekushaikwa kwemabasa
Kushaya basa, kana kushaikwa kwebasa, inoshandisa iyo yekumisikidza base kuverenga izvo Social Security iri kuzokubhadhara iwe. Asi, kutanga maitirwo acho zvakafanira kuti munhu wacho akanyorwa kwemazuva zana nemakumi masere.
Mune mamwe mazwi, kuti uverenge bumbiro remutemo, mipiro yemazuva ekupedzisira zana nemakumi masere inodiwa. Kana uchinge wawanikwa, kuwedzerwa uye kupatsanurwa, iwe unozogona kuziva kuti chii chikamu chinowirirana newe, asi chenjera, chichava chisingaperi, asi chichagadziriswa nenguva.
Uye zvakare, chete mukati memwedzi mitanhatu yekutanga ndipo pavachagashira 6% yeiyo base, nepo, kubva pazuva re70, mubhadharo unodzikira kusvika ku181%.
Verengai hwaro hwekutonga pamudyandigere
Kuverenga hwaro hwepamutemo hwepension pension zvinoda kuti iwe uve nezvipo zvemipiro zvemushandi iyeye aripo. Uye kwete chete egore rapfuura, asi iwo emakore akati wandei apfuura.
Kunyanya, kuverenga iyo yekumisikidza hwaro hwekurega basa mabheseni emipiro emakore makumi maviri nemana apfuura anodikanwa (Kana iri 2022 ichave makore makumi maviri nemashanu). Iwe unofanirwa kuwedzera ese mabheseni emupiro pamwechete (kana iwo akafanana, ese anenge achiave achiawedzera). Ipapo, zvinongoramba zviripo kushandisa iyo fomati iyo, mune ino kesi, ingave iri.
Mipiro yezvibatsiro (iyo huwandu hwese, iyo ichave iri 288 muhuwandu) / 345.
Chikonzero nei paine mazana matatu nemakumi mairi nemashanu ndechekuti, kunyangwe izvo zvinoitwa kuverenga mabheseni emipiro achitarisa kuti pane gumi nemaviri pamwedzi, kana zvasvika pakutora mudyandigere, mari dzekuwedzera dzinotambawo uye izvi zvinokanganisa fomula. Neiyi nzira, kana muna 345 vari 12, kana iri 2021 inenge iri pakati pe345 nekuti iyo yakajairwa uye yekuwedzera kubhadhara iyo inogamuchirwa gore rega rega inozotarisirwa (maviri kubhadhara kwemakore makumi maviri nemashanu).
Mhedzisiro yacho ichave yako hwaro hwemutemo. Asi kwete izvo zvauri chaizvo kuzogamuchira wepenjeni yako.
Uye, sekugadzwa neSocial Security, iwe uchagamuchira:
- 50% kana iwe uine makore gumi nemashanu emipiro (mashoma).
- 100% yeiyo base base kana iwe uine makumi matatu nemashanu kana anopfuura makore emipiro.
Asi, chenjera, nekuti kubva muna 2027, kuti uwane 100% yechigadziko, uchafanirwa kuve nemakore makumi matatu nemanomwe emipiro.
BR yekuzvimiririra
Kunyangwe ivo vanozvishandira vasina mvumo yekuwana rubatsiro rwekusashanda, pane chimiro chakafanana kwavari: kumiswa kwechiitiko. Uye zvakare ichave inofuridzirwa nedanho rekumisikidza iro rinozvishandira mushandi rine.
Kuti uverenge, zvinodikanwa kuti Iva nezvipo zvezvipo zvemwedzi gumi nembiri yekupedzisira, nenzira yekuti iwe unofanira kuzviwedzera nekushandisa fomula kubva pakutanga:
- Mipiro yezvipo (huwandu hwemwedzi gumi nembiri isati yamiswa) / mwedzi gumi nembiri. Aya ndiwo maitiro aunowana hwaro hwechengetedzo iyo iyo kumisa kwechiitiko kunotongwa.
Zvino, hausi kuzobhadharisa 100% yeizvi, asi pachokwadi izvo zvauchabhadharisa zvichave 70% yeiyo bumbiro remutemo.
Kana iri nguva, ichi chichava chinokwana kwemwedzi gumi nemiviri chero bedzi uine hushoma hwemwedzi makumi mana nemasere yemipiro. Kana iri nguva shoma, ichave iri mwedzi miviri (kwaunofanirwa kuve nemupiro pakati pemwedzi gumi nemaviri negumi nemanomwe).
BR yekuzvarwa uye kubereka kubatsirwa
Nezve maternity uye baba, hwaro hwekutonga hunofanirwa kutarisirwa hunoda iyo chikamu chemupiro wemwedzi usati waberekwa kana zororo rekuzvarwa (Iyo yekupedzisira inoenderana nezuva remwana rekuzvarwa).