Muzvinotsanangurwa zvirongwa zvekubatsira, vashandi vemazuva ano uye masangano avo anoshandisa mari vanobhadhara mari kumutambo wokurasikirwa. Sangano rinoshandisa mari iyo kubhadhara annuities uye utano hwehutano inshumo yevanodzinga mari.
Nzira yacho inotora njodzi yekutsvaga mari. Zvirongwa zvinorondedzerwa zvinobatsira ndezvemitsipa yevakawanda vemazuva mashoma ekurasikirwa mabasa.
Sezvo nguva yasvika, maitiro ekurasikirwa akawedzera kujekeswa kwarudzo kune vashandi kuchengetedza mari yakawedzerwa yekurega basa. Mumitemo yakawanda, zvinorondedzerwa zvipo zvinotanga kushandiswa sezvinongova izvo - zvisarudzo. Asi ivo vanofamba zvishoma nezvishoma nehurongwa.
Kuwedzeredza Kunakidza kwehurumende Kurega
Pasi pemhirizhonga yevanhu, vateereri vemitemo vakaderedza kukwezva kwakakwana kwehurumende yekurasikirwa nenzira dzakawanda. Chokutanga, vakamanikidzira vashandi kuti vawane mari yakawanda vachiri kubatsiridza zvakafanana. Zvakafanana nemafungiro ehurumende achiita zvakawanda nevashoma, vashandi vanopa mari yakawanda yekubhadhara mari yakafanana.
Chechipiri, vateereri vemutemo vakachinja njodzi kubva kuvashandirwi kune vashandi nekuita zvirongwa zvakatsanangurwa zvezvipo chikamu chikuru chegadziriro pavanenge vachibvisa pane zvakarongwa zvirongwa.
Izvi zvinopa vashandi kusava nechokwadi nezvehupenyu hwavo hwekugara. Vashandi vanogona kushanda kune chinangwa chegore rinenge riri muzvirongwa zvinorondedzerwa, asi havagoni kuzviita nechokuita mune chirongwa chinorondedzerwa chirongwa.
Chechitatu, vateereri vemutemo vakawedzera mitemo inobatsira kuti munhu angasimuka sei uye kuti mari yakawanda yevashandi vehutano inobhadharwa nehurongwa.
Inishuwarenzi yehutano ndiyo mari yakawanda yekushandira mari, saka kurasa chikamu chemari iyo inobatsira zvikuru kubasa rekuripira basa asi kwete kuvanhu vavanoshumira.
Chechina, vateereri vemutemo vakagadzirisa tsika yekudzima kaviri apo vashandirwi vanoshanda nesangano mukati mehurumende yekusarura saka vanobvisa kubva purogiramu yekurasikirwa uye nhengo yevanoshandira. Zvichienderana nemitemo yekurasikirwa kwemitemo, tsika iyi inogona kuva nemigumisiro yakaipa mukusimudzira kwehurongwa.
Apo Retirement Rules Change
Vashandi vehurumende vanowanzovhota muhupamhi kupfuura huwandu hwevanhu vazhinji, saka zvinomiririra kuti vatongi vanoedza kufadza vashandi vehurumende kuburikidza nevashandi vemazuva ano vari pasi pemitemo yekare. Vashandi vatsva vanoiswa pasi pemitemo isingabatsiri. Havazivi kuti vari kutora chinhu chakaipisisa kupfuura avo vashanda pamwe navo kusvikira vatova pabasa.
Mamwe masangano ekurasikirwa anoita kuti vashandi vabatsire kune Social Security. Vamwe havaiti. Kuti vawane mari yekusunungurwa kubva kune Social Security, vanhu vanofanirwa kuibatsira pavanenge vachishanda. Apo vateereri vemitemo nevashandi vavo vanyore kugonesa mitemo yehurongwa hwekurega basa, vanofunga kuti kana vasina reties vachave nekuwana Social Security.
Mienzaniso yeMushandirapamwe Maitiro
Heano mienzaniso mishomanana yehurongwa hwekurega basa:
- Vazhinji vehurumende vashandi vehurumende vanotora chikamu muHurumende yeHurumende yeHurumende yekuRubvisa . Iyi sangano yakatanga muna 1987 kuti iparadzise Civil Service Retirement System . FERS ine zvinhu zvitatu: Social Security, Basic Benefit Plan, uye Thrift Savings Plan . Iri urongwa rinobatanidza zvose zvinotsanangurwa kubatsirwa uye zvakatsanangurwa zvipo. CSRS inorondedzerwa chirongwa chekubatsira. Apo FERS yakasikwa, vashandi vangasarudza kugara ne CSRS kana kuenda kuFERS.
- Nyika dzine maitiro akawanda ekurasikirwa kwemashandirapamwe ari kushanda pakutsvaga kwakasiyana-siyana kwehurumende nehurumende. Vamwe vanoti vane mararamiro ekurasikirwa zvakananga kune masangano ehurumende, dzidzo dzevanhu, hurumende dzeguta, uye hurumende dzehurumende. Semuenzaniso, Texas ine Vashandi Vekurasikirwa Kwehurumende kune vashandi vehurumende, Mudzidzisi Retirement System yevayunivhesiti uye vashandi vechikoro vedunhu, Texas Municipal Retirement System yevashandi vomuguta uye Texas County & District Retirement System nokuda kwevashandi vari munharaunda hurumende uye nharaunda dzakasiyana. Mimwe mizinda mikuru nematare ekuti haafaniri kupinda muhurongwa hwehupfumi hwemamiriro ezvinhu ehurumende uye inogadzira ivo pachavo vanobhadhara mari yezvirongwa zvekurega basa.