Kutheni Ufanele UyiSebenze Izibonelelo Zokukhubazeka Zentlalo?
"Kutheni ndifanele ndifake izicelo zokukhubazeka kweNtlalontle ukuba umqeshi wam okanye inkampani yinshurensi isele ihlawule izibonelelo?" Amawaka ama-America abakhubazekile abangayazi impendulo yaloo mbuzo bayashintshana. Kwaye ke abaqeshi abangaqapheli ukungabikho kwe-Social Security qualification kubangenisa isabelo esikhulu sabasebenzi babo; ukukhubazeka kunokuba kuyimfuneko.
UJim Allsup, umongameli kunye ne-CEO ye-Allsup Inc., inkampani yokumela ukukhubazeka jikelele, wacelwa ukuba aphendule lo mbuzo. Ngokutsho kukaMnu. Allsup, abantu abakhubazekileyo kufuneka baqonde kwaye baqonde ezi ntlanu ezintle izibonelelo ezifanelekileyo zokufumana izibonelelo zokukhubazeka kweNtlalo-ntle-iingeniso ezingenakufumaneka kumqeshi okanye icebo lokukhubazeka kwenkampani yomshuwalense. Abaqeshi abaziqonda ezi nzuzo kunye nabancedi babo abaqondayo baya kuzuza.
# 1) Ingeniso yenyanga yeNyuka
Izibonelelo zokukhubazeka kwexesha elide okanye ipensheni yokukhubazeka evela kumqeshi okanye kwinkampani yomshuwalense ayinakulungiswa kwi-inflation. Nangona kunjalo, iinzuzo zokukhubazeka kweNtlalo zikhuphuka xa kulungiswa ukulungiswa kwezeNtlalo. Xa iNtengiso yabathengi ikwandisa ipesenti ezithile, iindleko zoKhuseleko loLuntu zilandela. Nangona kunjalo, isibonelelo semali nganye ngenyanga kwisicwangciso somqeshi sihlala sifana.
Ukuba umqeshwa okhubazekileyo ufumana i-$ 1,000 ngenyanga ukusuka kumqeshi, iminyaka eyi-10 ukususela ngoku umqeshwa uya kufumana imali engama-1 000 yenyanga ntlawulo ngaphandle kwexabiso lentengo.
# 2) Ukunyusa umhlalaphantsi kunye nabaNcedo abasindileyo
Ukukhubazeka koLuntu ukukhubazeka "kukhuphaza" i-Revenue Security Social Revenue.
Ngamanye amagama, ixesha elithile apho umntu efumana inzuzo yokukhubazeka kweNtlalo-ntle ayibalwa njengexesha eliqeshwe ngumntu. Ngomqeshi okanye kwiplanethi yenkampani yomshuwalense, oku akunjalo. Oku kubalulekile kuba iingeniso zesikhathi esizayo-iinzuzo zezeNtlalontle zokufumana umhlala-phantsi, izixhomekeke kubo; iingeniso okanye ukukhubazeka okulandelayo okanye abasindileyo; Izinzuzo zibalwa ngokusekelwe kumvuzo omyinge womntu ngexesha lexesha; umzekelo, iminyaka engama-35 edlulileyo.
Ukuba bekungekho imali yokufumana iinyanga okanye iminyaka ngenxa yokukhubazeka kwaye elo xesha libandakanyiwe ekubaleni, umyinge uya kuba wezantsi kwaye ukuhlawulelwa kwenzuzo kuya kuba ngaphantsi. Ngenxa yokuba ukhuseleko lweNtlalontle alunakulibala ixesha elo xesha, akukho mpembelelo embi kumvuzo oqhelekileyo.
# 3) Ingeniso yeRhafu-yeNtlawulo
Le ngenelo ixhomekeke ekubeni i-premium ihlawulwa njani ekuqaleni kwintlawulo yokukhubazeka kwexesha elide.
Ngokomzekelo, ukuba umntu uhlawula i-premium ngexesha lokusebenza emva kweedola zerhafu emva koko, inzuzo yexesha elide ikhubazeka ayihlawulwanga xa ifunyenwe. Ukuba umntu akazange akhokhe i-premium (kodwa ihlawulwe enye imvelaphi), okanye ukuba umntu uya kuhlawula i-premium ngaphandle kweerhafu engaphambi kweerhafu, ngoko ke inzuzo yexesha elide ikhubazeka xa ifunyenwe.
Ukongeza, iipesenti ezingama-50 ze-Social Security benefit benefit benefit taxable.
# 4) I-Medicare Coverage
Iipesenti ezingama-25 zabaqeshi banamhlanje zinikela ngoncedo lwezempilo olongezelelweyo kubasebenzi babo kwaye abaqeshi abaninzi banikela ukukhuselwa kwe-COBRA ngokukhubazeka. Umthetho we-COBRA ugunyazisa ukuba umqeshwa angathenga iinyanga ezili-18 zempilo xa ephuma kwinkampani. Nangona kunjalo, ukuba umntu unelungelo lokukhubazeka kweNtlalo kwiinyanga ezili-18 zokuqala ze-COBRA, ezinye iinyanga ezili-11 ze-COBRA zingathengwa. Ngoko, ukufumana ukukhubazeka kweNtlalontle kunokwenzela umntu uncedo lokunakekelwa kwempilo kwiinyanga ezingama-29 emva kokukhubazeka kwenzeka.
Umntu okhubazekileyo, kungakhathaliseki ubudala, uvumelekile kwiNgxelo ye-Medicare xa i-COBRA iphela. Ugqirha lwe-Medicare luquka inzuzo yeCandelo le-Hospital kunye neNxalenye B zonyango, apho, xa zongezwa nakwezinye i-inshurensi yempilo yonyango, iya kwandisa ukhuseleko lwama-inshorensi yonke. (Qaphela: Amanye amashishini akhululwa ukunikezela ngokukhawuleza kwe-COBRA, njengaleyo ene-non-profit benefit status kunye nalabo abanabasebenzi abancinci kuncinci.)
# 5) Ukubuyiswa kobuchule kunye nokuvuselela umsebenzi
Xa iNgcaciso yeNtlalo ikuvumela ibango lomntu ngezibonelelo zokukhubazeka , kwenziwa isigqibo malunga nokuba imeko yonyango yomntu iya kuphucula. Ukuba isimo somntu siphucula xa sithatha inxaxheba kwiprogram yokuvuselela umsebenzi, okunokwenzeka ukuba kuncedise umntu ukuba azixhase. Izinzuzo zoKhuseleko lwezeNtlalo ziqhubekeka kude kube yiprogram iphelile. Ukuba ukuphuculwa kwezokwelapha akulindelwe, umntu uya kulungela ixesha lokuvavanya.
Olu vavanyo luvumela umntu ukuba abuyele emsebenzini angabikho ncitshiseko kumvuzo kwiinyanga ezili-9. Emva kwithuba lexesha, ixesha lomsindo lweenyanga ezintathu livumelekile, ngexesha apho umntu angakwazi ukuqhubeka esebenza, ngelixa icala lakhe lihlolwe. Ukuba uhlolo lubonisa ukuba umntu ukhubazekile, lowo mntu unokufumana ukhuseleko lokukhubazeka kweNtlalo xa sele kukho inyanga kule minyaka emithathu ezayo apho engayifumana imali engama-dollar 500 ukusuka emsebenzini.
Ngoko ke kukuphi umqeshi? Abaqeshi bafanele bahlale bekhumbula ukuba, xa umqeshwa efaneleka ukukhubazeka koLuntu, ukhuseleko lokuhlawula umrhumo lomqeshi luyancishiswa ngemali yokuqala ehlawulwa nguKhuseleko loLuntu. (Ukunyuswa kweendleko zokuphila akusebenzi.) Le mphumo ekhohlakeleyo iqinisekisa ukuba ixabiso leenzuzo libiwe ngumqeshwa kunye nomqeshi wakhe. Leyo yindlela efanelekileyo yokuqinisekisa ukuba abaqeshi banakho ukubonelela ngenzuzo kubasebenzi besikhathi esizayo.
Umthombo:
Allsup Inc.