Baro sida faa'iidooyinka Lambarka Bulshada loo xisaabiyo iyo halka laga helayo qiyaasta
Sababta arrintani waa iyada oo la filayo in ay u qalmaan Lambarka Bulshada, lacagta manfaca Lambarka Bulshada waxay ku salaysan tahay laba arrimood oo waaweyn:
- Lacag intee le'eg ayey ku kasbatay inta lagu guda jiro xirfaddooda shaqo
- Da'da ay doortaan inay bilaabaan inay helaan faa'iidooyin
Taariikhdaada shaqadu waxay saameysaa macaashka hawlgabka ee Social Security
Marka ugu horeysa, si aad xaq ugu yeelato macaashka hawlgabka Lambarka Bulshada, adiga ama xaaskaaga / saygaaga (ama xaaskaagii hore ama lamaanahaaga dhintay) waa in ay heleen ugu yaraan 40 dhibcood oo ku saabsan shaqadaada shaqada. Sida loo xisaabiyo dhibcahaas ayaa ah mid adag, laakiin khabiirada dhaqaalaha intooda badani waxay yiraahdaan waxaad u maleyneysaa inaad u qalanto ilaa intaad shaqeynaysay ugu yaraan toban sano, taas oo ah muddada ugu yar ee loo baahan yahay si aad u kasbato kuwaas 40 dhibcood. Laakiin taariikhda shaqadaada looma isticmaali karo oo kaliya qayb ka mid ah shuruudaha aqoonta, waxaa sidoo kale loo isticmaalaa in lagu go'aamiyo qaddarka lacagta hawlgabka buuxa.
Marka lagu xisaabiyo lacagta hawlgabka ee bil walba, Maamulka Lambarka Bulshada (SSA) wuxuu tixgelinayaa taariikhda ugu sarreysa ee 35-sano ee shaqadaada. Si kastaba ha ahaatee, haddii aad ka shaqeysay wax ka yar 35 sano, markaa waxaad yeelan doontaa sanado halkaas oo SSA si fudud u adeegsato $ 0 dakhligaaga. Ma aha wax la yaab leh, dakhligaaga ka sarreeya 35-kii sannadood, lacagta dheeraadka ah ee hawlgabkaagu wuxuu noqon doonaa sida ugu badan ee aad u sameysay barnaamijka iyada oo loo marayo canshuurta FICA .
Xasuusnow, si kastaba ha ahaatee, in uu jiro xiritaan dakhli ah dakhli sanadle ah laguma tixgelinayo xisaabinta faa'iidooyinkaaga .
Markaad ururiso waxay saameyneysaa macaashka hawlgabka ee Social Security
Lacagta waxtarka ee lagu xisaabtamo taariikhdaada shaqada waxay u egtahay in aad hawlgab ka qaadato da'da hawlgabka buuxa ama caadiga ah, taas oo ku tiirsanaanta sanadka aad dhalatay. Dadka dhashay 1937 ama ka hor, da'da hawlgabka buuxa (FRA) waa 65 sano. Dadka u dhasha inta u dhexeysa 1943 ilaa 1954, FRA waxay noqon doontaa da'da 66 jir. Dadka dhashay 1955 ilaa 1959, FRA waa 66 bilo dhowr bilood ah markay ku jiraan da'da saxda ah. Da'da hawlgabka buuxda ee loogu talagalay dadka dhashay 1960kii iyo ka dibna waa 67 sano.
Lacagta bilkasta ee aad xaq u leedahay inaad ka hesho FRA-gaaga ayaa ah waxa loo tixgelinayo faa'iidadaada oo dhan, laakiin ma aha wax ugu yar ama ugu sarreeya ee aad heli karto.
Shaqaalaha hawlgabka ayaa sidoo kale leh ikhtiyaarka ah in la diiwaangeliyo hawlgabka xilliga hore ee da'da 62 sano laakiin waxay kaloo dooran kartaa inay dib u dhigto waxtarkeeda illaa da'da 70 jir. Iyadoo ay jiraan sababo badan oo istiraatijiyadeed ah sababta oo ah qof hawlgab ah inuu doorto inuu qaato hawlgabka xilliga hore ama dib u dhac saameyn ku yeelashada doorashadu waxay saameyn toos ah ku leedahay qadarka lacagta gunnada bishii. Adiga oo dooranaya hawlgabka xilliga hore (mar kasta oo udhaxeysa da'da 62 iyo FRA-gaaga), waxaad dooranaysaa lacagta bilkasta ee bilaashka ah ee noloshaada intiisa kale.
Adoo dooranaya inaad dib u dhigto waxtarkaaga da 'kasta oo udhaxeysa FRA-daaga iyo da'da 70, waxaad si wax-ku-ool ah u-ballan-qaadeysaa kordhinta joogtada ah ee xaddiga lacagta caymiskaaga.
Inkastoo gargaarkaaga uu kordho sanad walba ee hawlgabka sababtoo ah qarashka sanadlaha ah ee gunnada nololeed, kororkaasi waxay had iyo jeer ku saleysan yihiin faa'idooyinka sannadkii hore. Sidaa darteed, marka aad qaadato lacagta hawlgabka mushaharka dabadii, dhammaan faa'iidooyinkaaga mustaqbalka waxay noqon doonaan kuwo ka yar sidii ay kuugu soo daahaan hawlgab ilaa da'da hawlgabka caadiga ah ama dambe.
Sida Loo Xisaabiyo Lacagta Badbaadada Bulshada
Xisaabinta lacagta hawlgabka ee Lambarka Bulshada ma aha hawl fudud, taas oo ah sababta Maamulka Sooshiyaal Sikiyuuriti (SSA) ay suuragelisay in ay shaqaaluhu internetka galaan ama wacaan oo codsadaan macaashka Lambarka Bulshada (Form SSA-7004) si toos ah maamulka .
Qiyaastan waxay ku jiri doontaa qiyaasta gunnadaada marka ay jirto da'da 62, FRA-daaga, iyo da'daada 70 oo ku saleysan taariikhda shaqada ee hadda jirta. Marka laga soo tago qiyaasahan, SSA waxaa kale oo ay leedahay xisaabiyeyaasha Lambarka Bulshada ee taxane ah oo ay ku jiraan "calculator degdeg ah" kuwaas oo kaa caawin kara qorsheynta hawlgabka ee Lambarka Bulshada.
Raadinta qalab kale oo waxtar leh oo muujinaya sida loo xoojiyo manfacyada Lambarkaaga Bulshada. AARP waxay bixisaa xisaabiyaha Lambarka Bulshada kaas oo kaa caawin doona inaad qiyaasto dheefahaaga mustaqbalka isla markaana aad ogaato da'da ugu wanaagsan ee aad ku codsan karto macaashkaaga.
Faa'iidada iyo khasaarooyinka ammaanka bulshada ee gaarka loo leeyahay .