Da'da hawlgabka ee Maraykanka ee rag iyo dumarba, muuqaalada iyo sharciyada xisaabinta

faa'iidooyinka Pension in mid ka mid ah qaab ama mid kale ka jira dalalka ugu. In wadamada horumaray, nidaamka hawlgabka waxa ay aad uga fakaray, dhali qorid ee taariikhda horumarka iyo tixgeliyaan qaababka kala duwan ee, gaar ahaan, ka cimri celcelis ahaan.

Da'da hawlgabka ee dalal kala duwan

record ee socdeyba waxaa loo arkaa in ay Japanese, oo waxaa la xidhiidha xad da'da si caddaalad sare oo xaq u hawlgabka - 65 sano. Oo waxba kuma kala duwana ku salaysan jinsiga - rag iyo dumar fariisto ay isku da'da yihiin. In Europe, da'da hawlgabka ee kala duwan. Tusaale ahaan, in Germany, isagu waa 65-67 sano, ee France - 60, Sweden - 61-67. dalalka Post-Soviet dhigay marinnadii yihiin wax badan ka hooseeya ee Europe, ay sabab u tahay sifooyinka kala duwan ee heerka nolosha. Tusaale ahaan, in Russia iyo Belarus haweenka fariisan karaa 55 iyo nin - 60 sano. Si kastaba ha ahaatee, ugu wanaagsan looga fikiray baxay, macquul gun iyo daacad u ah dadka ku nool Maraykanka tixgeliyo nidaamka hawlgabka.

Features of xisaabinta da'da hawlgabka ee dalka Mareykanka

Da'da hawlgabka ee dalka Mareykanka kala duwan iyada oo ku xiran sannadkii la soo dhalashada. Tusaale ahaan, Americans ku dhashay 1937 iyo wixii ka danbeeyay, aado maalin fasax ah in 65 sano. Kuwa dambe oo ilaa 1955 ku dhashay, waxay xaq u leeyihiin in ay ka fariisto in 66 sano. Oo mid ka mid ah oo ku dhashay 60meeyadii ee qarnigii labaatanaad, bilaabi kartaa hawlgabka ka 67 sano helaan. korodhka Tan waxa u sabab ah si degdeg ah sii kordhaya trims dari. Waa in la ogaadaa in da'da hawlgabka ah oo dalka Mareykanka ah ee ragga iyo dumarka isku mid.

Waxaa laga yabaa in hawlgabka mushaharka dabadii

Si kastaba ha ahaatee, waxaa la ogaadaa in nidaamka hawlgabka ee dalka Mareykanka waa mid aad u dabacsan, sidaas darteed haddii muwaadin uu doonayo in uu ka fariisto markii loo qoondeeyey ka hor, wuxuu ku samayn karaan kuwo si hagaagsan dib da'da 62 sano.

Isla mar ahaantaana waxay helaan lacagta hawlgabka oo buuxda oo keliya kuwa Maraykanka, heerka dakhliga sanadlaha ah kama badna sharciga la aasaasay ee bar ah. Haddii kale, gargaarka waxa lagu meelaynayaa, taas oo loo xisaabin doonaa si waafaqsan xukunka laga jaro ka hawlgabka ee konton senti doolar kasta oo laga shaqaysan lahayd in ka badan isagga oo ku rakiban.

Heerka dakhliga ee hawlgabka US

Terms of nidaamka hawlgabka ee dalka Mareykanka waa sida in ka dib markii inta kale si fiican u qalantay, Americans hesho kala bar dakhliga ay muddada shaqada. Dhab ahaantii, hawlgabka celceliska ee dalka Mareykanka kala duwan 1100-1500 doolar bil ah. Dabcan, waxaa jira qaybaha muwaadiniinta, kuwaas oo hawlgabka ka sarreeya celceliska ah. Kuwani waa macalimiinta, damiska, saraakiisha booliska iyo dadka kale. Waxa kale oo kala duwan oo dadka deegaanka hawlgabka size of magaalooyinka, halkaas oo heerka nolosha guud ahaan waa ka sarreeya celceliska qaranka. Sayidka, lacagta hawlgabka sanadlaha ah, tusaale ahaan, in account New York in ka badan afartan kun oo doolar halkii muwaadin.

Waxa kale oo jira hawlgabka ah qaybta hoose, kor ku xusan kaas oo American ah waayeelka ka mid ah barnaamijka dakhliga bulshada iyo ka dheeri dowladda helay in ay gaaraan size ugu yar. Tusaale ahaan, sanadkii la soo dhaafay ugu yaraan la aqbali ahaa 733 doolar. Sidaas darteed, haddii muwaadin xaq u leeyahay lacagta hawlgabka ah qorshaha hawlgabka ee qadarka $ 400, ka dibna gobolka bixinayaan wax ka badan isaga u 333 dollar in dakhliga bulshada. Markaas sidii loo abaabuli lahaa tayada software nolosha ee dadka waayeelka ah ee dalka, waxay abuurtaa dabeecad aad u fiican qofka in fikradda ah sida da'da hawlgabka ah sida. Hawlgabka oo dalka Mareykanka ah aan lagu arkin sida taageero aadanaha isagoo da 'weyn, laakiin halkii ay fursad cusub, marxaladda cusub ee noloshaada.

Fursadaha iyo fursadaha isticmaalka kaydadka hawlgabka

Si kastaba ha ahaatee, is ku dhowaad laba jeer ka yar marka loo eego muddada shaqada, si dhib leh hawlgabka American ayaa eegay lahaa si farxad iyo welwel la'aan. Shaki kuma jiro, barnaamijka hawlgabka Maraykanka ee loo yaqaan Social Security ilaa maantadan la joogo ayaa weli ugu caqligal ah oo adduunka ah. Si kastaba ha ahaatee, tayada nolosha ah ee ka weyn Americans ka kooban yahay noocyo kala duwan oo embodiments kale oo ka mid ah hawlgabka maalgelinta kaydka, kuwaas oo la fuliyey tiro badan oo ah qorshaha hawlgabka kala duwan.

peculiarity ee noocan oo kale ah qorsheyaasha hawlgabka ee dalka Mareykanka been in xaqiiqda ah in dakhliga billaha ah ee xaddi gaar ah wareejiyay account of mid ka mid ah lacagaha hawlgabka, iyadoo free tax, taas oo si weyn u fidiya awoodooda kaydinta waa. By hawlgabka, marka lagu daro nooca dadweynaha ah ee lacagta, shaqaaluhu helayo dakhli ee foomka of lacag u gaar ah raagtaa. Oo isna wuxuu ku bilaabi kartaa iyaga oo isticmaalaya si degdeg ah, lacag la helo qaab deyn ka kayd u gaar ah, ahaana dib in muddo mustaqbalka (hawlgabka). Ka dibna wuxuu xisaabiyaa fund (iyo, dhab ahaantii, ayuu naftiisa u), labada amaah ah caadiga ah. Inta badan dadka Maraykanka ah lacagtaas si ay u iibsadaan hantida maguurtada ah, bixiyo waxbarashada caruurta, iyo si bixi.

Sababaha hawlgabka mushaharka dabadii

Waa maxay da'da hawlgabka ee Maraykanka waa ka doorbidaa dadka? Sanadihii la soo dhaafay, isbedel inay ka fariistay hore ka mid ka weyn oo Maraykan ah. In kasta oo xaqiiqda ah in dul gaarey da'da 62 sano, waxay xaq u leedahay hawlgabka buuxa ma aha, oo ku saabsan saddex meelood waxa ka mid ah, dad badan oo ilaa xad og qaataan go'aanka ku haboon. Waa maxay sababaha? Xaalad kasta, u kala duwan yihiin. Waxaa ka mid ah hawlgabka hore, koox ka mid ah kuwa shaqooyinkooda waayay heerka dhibaatada iyo hadda mana ay heli karaan sababo Ujeedada - shaqeeyayaasha ayaa diidan in ay qaataan shaqaalaha waaweyn. Xaaladdan oo kale, hawlgabka mushaharka dabadii waa xaalad ugu haboon.

Waxaa ka mid ah muwaadiniinta, kuwaas oo go'aansaday on hawlgabka mushaharka dabadii waa, iyo kuwa si fudud u daalan ee shaqada. Inta badan waa shaqaalaha, kuwaas oo shaqadoodu ahayd inta badan jirka, ama muddada lagu qiyaasay load ee qof maskaxda. Inta kale oo ka mid ah hawlgabka hore - kuwa u suurtagashay in ay badbaadin ilaa lacag ku filan oo ay arkeen wax aan ku shaqo dheeraad ah. Laga soo bilaabo barta dhaqaale of view, waa arrin ku habboon.

Sayidka, dabacsanaan nidaamka hawlgabka u diidaa qayb ka niyad waa fikradda sida da'da hawlgabka oo dalka Mareykanka ah. Waayo, nin sida loogu tala galay dumarka, ee hawlgabka gaar ah kayd xirxiro waa intan ka waxtar badan in ay qaataan mushaharka shaqada dabadii. Tani waxay fursad si ay u bilaabaan nolol dhab ahaantii kala duwan oo xiiso leh sannadihii uu ka dib, oo ayan marnaba la yareeyo in doorashada ee madadaalada.