Nhoroondo yeFERS
FERS yakasikwa neU.S. Congress muna 1986 uye yakashanda pakutanga kwe 1987. Yakanga yakagadzirirwa kushandura Sangano reHurumende Retirement Rekushandiswa nevashandi vehurumende muna 1987.
Apo FERS yakatanga, vashandi ve CSRS vangashandura kuFERS. Havasi vose vakadaro, saka US Office Of Personnel Management inochengetedza maitiro maviri ekurega basa.
Icho chakanyanya kusiyanisa pakati pezviviri zviri muhutano hwegadziriro imwe neimwe. CSRS inongova purogiramu yepensheni asi FERS inopa vashandi vehurumende vane nzira nhatu dzekurega mari.
Zvinhu Zvinotatu zveFERS
Aya maitiro ndiwo Social Security, Basic Benefit Plan uye Nzira Yakanaka Yokuchengetedza . Izvi zvitatu zvakasiyana-siyana zvinoparadzanisa mushandi wehurumende anotora mari yekubvisa mari. Pamwe chete, izvi zvikamu zvitatu zvepamberi yekurasikirwa zvakagadzirirwa kupa hupenyu hupenyu hwehupenyu hwakafanana nehupenyu hwakasunungurwa huri munguva yehupenyu hwake. Kurasikirwa kwakagadzikana ndechimwe chezvinhu zvakakura zvikuru zvinopiwa nehurumende.
Pamwe chete, zvikamu zvitatu zvine zvikamu zvezvose zvinorondedzerwa mupiro uye zvinorongwa zvirongwa zvekubatsira. Mune zvirongwa zvakajeka zvezvirongwa, vashandirwi vanoziva zvakajeka zvavanogamuchira mwedzi woga woga wekusasiya pasinei nezvinoitwa nemusika wepamusoro.
Mune zvirongwa zvinorondedzerwa zvinobatsira, vashandi vanopa mari yakatarwa inotengeswa mune chero nhamba yezvikwata zvekutsvaga. Mabhizimisi emakambani anotsanangura kuti mari inowedzera sei.
# 1 Social Security
Chikamu chokutanga cheFERS ndechekuchengetedzwa kwevanhu. Vashandi vehurumende vanoita kuti hurumende dzichengetedze sevamwe vose vagari vanobata.
Vashandi vehurumende pasi pe CSRS havabatanidzi mu Social Security. Dzimwe hurumende dzehupfumi hwehurumende dzinobvumira vashandi vavo kuti vasunungure kubva mune zveSocial Security, saka havaiti chikamu kune iyo sarudzo kana kugamuchira uye vanobatsirwa nayo.
Social Security inopa mari yekuchengetedza vashandi inowanzowanzo mukana wekugara uine mwedzi wemari kune vashandi vanove vakaremara kana kuti vabuda mutirongo mushure mekupa zvipo kuhurongwa kuburikidza nehurumende yemitero yemitero pamusoro pemabasa avo.
# 2 Basic Benefit Plan
Chikamu chechipiri chikamu chinonzi Annuity Chinoti Basic Benefit Plan. Vashandi vehurumende vanopa chikamu chezana chebhadharo yavo, uye kuti mari inotarisa kubhadhara vashandi vemazuva ano. Apo vashandi vemazuva ano vanobva vatora mari, vanowana zvikomborero zvezvipo zvevashandi panguva iyoyo. Inonzwika sePonzi scheme, asi chero bedzi nguva inopfuurira, nguva dzose zvicharamba zvichiva zvikamu zvehurongwa.
Pakati pezvisikwa zveFERS na2012, vashandi vose vehurumende vakapa 0.8% yebhadharo yavo kuChirongwa Chinobatsira. Kutanga muna 2013, vashandi vehurumende vatsva vanopa 3.1%. Vashandi vakabhadharwa vasati vasvika 2013 vachiri kupa chikamu chekutanga che8%. Mutemo unowedzera mupiro wekugoverwa wakapedzerwa munaFebruary 2012 kunyanya kubhadharwa kubhadhara mitero yekubhadhara mitero kune vashandi vose vemuUnited States, kwete vashandi vehurumende.
Nhamba yemari yakasunungurwa inogamuchirwa inotsamira pamakore emakore ekusiya basa uye nemari yakawanda yaakagamuchira mumakore ake matatu ekukwirira. Rongedza mitemo rinotsanangura chaiyo kuverenga kwemazuva ose ekubhadhara mari, kubatsirwa kwekuremara, kuponeswa kunobatsira uye kushandiswa kwemari-kwe-kugara kunoshandiswa.
# 3 Thrift Savings Plan
Chikamu chechitatu ndecheTrift Savings Plan, iyo yakafanana ne 401 (k) iyo ipi neipi yekuAmerica inogona kuva neyoga kana kuburikidza nemushandi. Hurumende yeUnited States inokanda muyero yakaenzana ne0% yebhadharo yevashandi. Vashandi vehurumende vanogona kupa mari yakawanda, uye hurumende ichaitanidza iyo kusvika kune imwe yezana. Mipiro yemipiro inokura musingabhadhara mutero. Haisi kupindira kune zvakakwana mune chero hurongwa apo mushandi wako anowirirana nemupiro wako ari kungosiya mari isina mari.
Kuva Akakodzera Kukwereta
Kuti vaite basa, vashandi vehurumende vanofanira kuva nehuwandu hwemakore emakore ekushumira uye vanosangana nemakore mashomanana anodiwa. Kune vashandi vehurumende vakaberekerwa muna 1970 kana kuti gare gare, makore mashoma okurasikirwa ndeye 57. Vashandi vakwegura vane mudiki wechidiki chekurega basa. Zuva rakaderera rakasimuka zvakanyanya pakati pa1948 na1970.
Cherechedza: Zvinyorwa zvenyaya ino ndezvenzira yekuziva chete. Ichi chinyorwa hachifananidzi kupa kupa mazano emitero. Tsvaka nyanzvi yemitero yakakodzera kuti uwane mazano emitero.