Ingabe Ulungele Ukuzuza Izinzuzo?
Kuwukuhlakanipha ukufunda ngezidingo zokukhubazeka kwezenhlalakahle ngaphambi kokuba uhlanganyele kwinqubo yesicelo. Izidingo zokukhubazeka kwezenhlalakahle zihlukile kunezinye izinhlelo ezingase zinikeze izinzuzo zokukhubazeka okwesikhashana noma okwesikhashana.
Isimo Sakho Sezokwelapha Sinquma Ukukhubazeka
Ukuvikeleka kwezenhlalakahle kukukhokhela izinzuzo kuwe uma ungeke usebenze ngoba unesifo sezokwelapha esiphelile noma kulindeleke ukuba ugcine okungenani unyaka owodwa noma kubangele ukufa.
Ngaphandle kokuthola isimo sezokwelapha esiphelile noma kulindeleke ukuba sigcine okungenani unyaka owodwa noma kubangele ukufa, ukukhubazeka ngaphansi kwemithetho yezokuphepha kwezenhlalakahle kusekelwe ekutheni awukwazi ukusebenza. Ukuze ufanelekele izinzuzo, akumelwe ukwazi ukwenza umsebenzi owawenza ngaphambilini (umsebenzi obalulekile ozuzayo) kanye nokuPhatha kwezokuThuthukiswa koMphakathi kufanele kunqume ukuthi awukwazi ukulungisa omunye umsebenzi ngenxa yesimo sakho sezokwelapha. Umthetho we-Federal udinga le ncazelo eqinile yokukhubazeka.
Kufanele ufake izicelo zokukhubazeka uma nje ukhubazekile. Ungalindi - kungathatha isikhathi eside ukucubungula uhlelo lokusebenza lwezinzuzo zokukhubazeka (cishe izinyanga ezintathu kuya kweziyisihlanu).
Ukuze uthole izinzuzo zokukhubazeka kwezenhlalakahle, kumele uhlangabezane nokuhlolwa okuzuzayo kokubili. Enye ibizwa ngokuthi "ukuhlolwa komsebenzi wakamuva" okubuka iminyaka yakho lapho uqala ukukhubazeka. Enye "isikhathi sokuhlolwa komsebenzi" okuqinisekisa ukuthi usebenze isikhathi eside ngokwanele ngaphansi koMphakathi wezokuPhepha ukuze uzuze izinzuzo.
Ukuhlolwa Kamuva Kwomsebenzi
Ukuhlolwa kwamuva komsebenzi kubheka uma ukhubazekile nokuthi kwenzeka kanjani ngokuya kwekhalenda. Ikhalenda lekhalenda yilezi:
- Ikota yokuqala - Januwari, Februwari, Mashi
- Ikota yesibili - Ephreli, ngoMeyi, ngoJuni
- Ikota yesithathu - Julayi, Agasti, Septemba
- Okwesine kwekota - Okthoba, Novemba, Disemba
Uma ukhubazekile noma ngaphambi kwekota uneminyaka engu-24 ubudala, ngokuvamile udinga iminyaka eyi-1.5 yomsebenzi phakathi nenkathi yeminyaka emithathu ephela ngesineke ukukhubazeka kwakho kuqale. Udidekile okwamanje? Kukhona okuningi.
Uma ukhubazekile engxenyeni emva kokuba uneminyaka engama-24 kodwa ngaphambi kwekota uneminyaka engu-31 ubudala, udinga umsebenzi phakathi nengxenye yesikhathi sesikhathi sokuqala ngekota ngemva kokuba usuphelile u-21 futhi uqede ngekota owakhubazekile.
Uma ukhubazekile engxenyeni yakho uneminyaka yobudala engama-31 noma kamuva, ngokuvamile udinga umsebenzi phakathi neminyaka emihlanu kusukela enyangeni engu-10 ephela nekota lapho ukukhubazeka kwakho kuqale.
Isikhathi sokuhlolwa komsebenzi
Lokhu kuhlola kunquma ukuthi usebenze isikhathi esingakanani ngenkathi wawuyilapho ukukhubazeka kwaqala. Isibonelo, uma ukhubazekile ngaphambi kweminyaka engu-28, udinga ukuthi usebenze iminyaka engu-1.5. Uma ukhubazekile eneminyaka engu-42 ubudala, udinga iminyaka emihlanu yomsebenzi. Khutshaziwe eneminyaka engu-60? Udinga iminyaka engu-9.5 yomsebenzi. Kunoma yiliphi lalezi zimo, isikhathi sokuhlolwa komsebenzi, umsebenzi wakho awudingi ukuwela esikhathini esithile.
Amaphuzu Okubalulekile Okufanele Awakhumbule
Ukwamukela izinzuzo zokukhubazeka kwezenhlalakahle, kumele ukhutshazwe ngokusho kwencazelo yokukhubazeka esetshenziswa yi-Social Security.
Kumele futhi uye wasebenza isikhathi eside futhi inani elicacisiwe lomsebenzi wakho kumele ube yamuva.
Uma ungeke ukwazi ukuhlangabezana nezidingo zokukhubazeka, umsebenzi wamuva, kanye nobude bomsebenzi - ngeke ukwazi ukuthola izinzuzo. Uma wenza, usulungele ukuqala inqubo yesicelo .
Khumbula, Ukuvikeleka Komphakathi kukhokhela kuphela ukukhubazeka okuphelele. Azikho izinzuzo ezikhokhwa ukukhubazeka okuyingxenye noma ukukhubazeka kwesikhashana.
Imithombo:
Izinzuzo Zokukhubazeka. Ukushicilelwa kwe-SSA No. 05-10029, Novemba 2008, ICN 456000.
http://www.ssa.gov/pubs/10029.html