Tafura iri pasi apa yakabudiswa neUnited States Office of Personnel Management inoratidzira vashandi vehurumende maMRAs avo maererano nemakore avakaberekerwa:
| Kana iwe wakaberekwa | MRA yako ndeye |
| Kusati kwa1948 | 55 |
| Muna 1948 | 55 uye mwedzi miviri |
| Muna 1949 | 55 nemwedzi mina |
| Muna 1950 | 55 uye mwedzi mitanhatu |
| Muna 1951 | 55 nemwedzi 8 |
| Muna 1952 | 55 uye mwedzi gumi |
| Muna 1953-1964 | 56 |
| Muna 1965 | 56 uye mwedzi miviri |
| Muna 1966 | 56 nemwedzi mina |
| Muna 1967 | 55 uye mwedzi mitanhatu |
| Muna 1968 | 56 uye 8 mwedzi |
| Muna 1969 | 56 uye mwedzi gumi |
| Muna 1970 uye shure | 57 |
Kubvira pakupera kwema1940 kusvika muna 1970, MRA yakaramba ichiwedzera kubva 55 muna 1948 kusvika 57 muna 1970. Nezvimwe zvikamu zvehurumende, 57 inguva yakwegura yekurega basa.
Kufanana nedzimwe hurongwa hwehupfumi hwehurumende , FERS ane rupo nenzira iyi. Iyi masangano ekurasikirwa anopa mubhadharo vashandi vanonamatira nebasa rehurumende. Izvo zvipo zvikuru kune vashandi vanotanga mabasa avo muhurumende uye vanonamatira nemasangano anobatsira kumagadzirirwo akafanana ekurasikirwa. Pane humwe huripo pakati pemaitiro ekurasikirwa, asi vashandi vanowanzobuda vakanakisisa nekunamatira pamwe chete.
Sei Tichifanira Kuda Chinguva Chekurega Basa?
Saka nei FERS inoda MRA zvachose?
Zvichinyatsojeka, kuronga kwehutano hwemagetsi kwaizova pangozi kana MRA yakanga isipo. Actuarial soundness inokosha nekuti inoita kuti hurumende ishandiswe mberi. Pasina actuarial kuchena, chirongwa chekurega basa chinopedzisira chabuda kunze kwemari kuti chibhadhara chikwereti chevakabhadhara.
Apo vazhinji vashandi vehurumende vanofunga kufambira mberi, vanoverenga pavanosvika pakubhadhara basa rekuregererwa zvakakwana nemakore ekushandira. Pane imwe nguva mushandi wehurumende anosvika kuMRA uye makore makumi matatu ekushanda, mushandi akakodzera kubhadhara uye saka anowana mari yake yokurega basa . Kune vashandi vanozvarwa muna 1970 kana gare gare, vashandi vanofanira kuva nemakore makumi mashanu nemakore makumi manomwe nemakore makumi matatu ekushandira.
Asi zvakadini dai MRA yakanga isipo? Ngatitarisei muenzaniso. Munhu akapedza chikoro pazera remakore makumi maviri nemaviri uye anobva atanga kushandira hurumende yehurumende. Pazera remakore makumi mashanu nemashanu, mushandi uyu ane makore makumi matatu ekushandira; zvisinei, haakwanisi kurega kwemakore mamwe mashanu nokuti MRA yake ine 57.
Uyu muenzaniso unowanzoonekwa pakati pevashandi vehurumende. Vakawanda vanotanga basa ravo rinoitirwa vanhu vose mushure mekurejikidzi , vanongomirira kwemakore mashomanana, uye mubairo mukuru pamagumo emabasa avo unovachengeta muhurumende. IRA inowanikwa pamusoro apa inoita kuti uyu mushandi aite basa uye apiwe rubatsiro rwehurongwa hwekurega basa kwemamwe makore mashanu.
Izvi zvinobudirira kwemakore gumi ekugadzirisa urongwa hwekusarura. Inowana makore akawanda emipiro uye inodzivirira makore mashanu e annuity payments. Chinhu chakakosha chevhavha pano ndechekuti chikamu chiduku chevashandi vehurumende vanobvisa nguva chaiyo pavanenge vakakodzera, asi MRA nokuda kweFERS ichiri kukosha.
Iyo inorambidza vashandi kuti vasiye mari vasati vasvika pane imwe nguva, uye izvi zvinoreva kudarika kwemazuva akawanda kubhadhara kwenguva refu.
Pasina MRA, FERS inoda kuwedzera mishandiro yevashandi kana kuderedza zvikwereti zvekusununguka kuti zvirambe zvichishanda. MRA inobatsira hurumende yehurumende kuchengetedza ikozvinoari yakanaka yekusarura purogiramu inopa zvipo zvakavimbiswa kune vakasiya basa pavakanga vari vashandi.