Mari-ye-Kuchinja Kuchinja

Chii COLA?

Kugadziriswa kwemari-ye-mararamiro (COLA) inowedzera mubhadharo kana annuity kazhinji zvichienderana nechinangwa chinogadzirisa kuti mari yakawanda sei munhu chaiyo kana mhuri inoda kuchengetedza mararamiro avo ehupenyu.

Kutengesa kwezvinhu kunopesana nekutenga simba kwedhora rose. Mitengo yezvigadzirwa nemishando inowedzera kwemazuva, saka mari yakaoma inowedzera nguva. A COLA inoshanda inopesana nehuwandu hwemari yekuchengetedza simba rekubhadhara kana ye annuity.

Makirasi haasi akanaka-based rise. Zvinenge zvichishandiswa nguva dzose kune imwe sangano kana kuwanda kwevanhu vanopesana. Zvisizvo zvinoshamisa zvaizova makambani nevashandi vakapararira kudarika US kana nyika. Mune zviitiko izvi, kambani yaizofunga nezveCORAs iyo inofanana nenharaunda.

Makirasi asina kukonzerwa nechiyero chinangwa achaparadzwa kana kuti haakwanisi kuchengetedza simba kana kutenga zvisina kukodzera; saka, zvingangove zvisinganzwisisiki kudana izvo zvinomutsa COLAs.

Chimwe chinangwa chinowanzoshandiswa kusarudza muwandu weCOLA ndiyo mutengo wemutengo wevashandi vemunharaunda vanobhadhara uye vabati vevashandi (CPI-W). I US Social Security Administration inotarisirwa nomutemo kushandisa CPI-W kuverenga gore ravo rega COLAs kune avo vanopisa. ICI-W inoverengwa neU.S. Bureau of Labor Statistics.

Hurumende yeU.S. COLAs

Makirasi evashandi vehurumende vanofanira kugoneswa nemutemo.

Makirasi evashandi vehurumende nevashandi vehondo vanoonekwa segavo neCongress. Apo imwe yemapoka aya maviri inogamuchira COLA, rimwe boka rinotanga kukumbirisa Congress kuti ipe imwecheteyo COLA kwavari. Pane dzimwe nguva maCORA haasi akafanana kune mapoka maviri, uye izvi zvinogona kutungamirira kushanda kusagutsikana kwevashandi.

Makirasi anogonawo kupiwa kumapato ehurumende pasi pe Federal Federal Retirement Retirement System kana Civil Service Retirement System .

Private Sector COLAs

Mabhizimisi muUnited States haafaniri kupiwa vashandi vavo neCOLAs; zvisinei, vazhinji vanoita. Basa rekumakemikari masimba rinoshanda nokukurumidza kurwisana nevashandi vasingagari vashandi vavo.

Dzimwe nguva hurumende inobatanidzwa ine mari yekuvandudzwa kwehupenyu yakavakwa mazviri. Vatungamiri vehurumende vanosimudzira nhamba dzisinganzwisisiki mukukurukurirana, saka vakatsigira kuwedzera kwemari. Nepo hutungamiri huine chikonzero chekuziva zvakajeka kuti mari yakazobhadharwa mumubairo gore negore, COLA inobva pane zvinangwa zvinogadzirisa inoita kuti hurumende irege kubhadhara mari yekuwedzera mari.