Medicare with Social Security: Zimagwira Bwanji?

Zamkati

• Kodi Medicare ndi Social Security zimagwirira ntchito bwanji?
• Kodi Social Security imalipira Medicare?
• Medicare ndi chiyani?
• Kodi Social Security ndi chiyani?
• Kodi Social Security pantchito ndi chiyani?
• Ndani ali woyenera kulandira chithandizo cha Social Security pantchito?
• Okwatirana ndi ma Social Security pantchito
• Momwe msinkhu wopuma pantchito umakhudzira zabwino zanu
• Kodi Supplemental Security Income (SSI) ndi chiyani?
• Ndani ali woyenera SSI?
• Kodi Social Security Disability Insurance (SSDI) ndi chiyani?
• Ndani ali woyenera SSDI?
• Zaka zakugwiritsa ntchito ndi maubwino a SSDI
• Kodi opulumuka Social Security amapindula bwanji?
• Ndani ali woyenera kupulumuka?
• Kutenga

• Medicare ndi Social Security ndi maubwino osamalidwa ndi mabungwe omwe mumayenera kulandira malinga ndi msinkhu wanu, kuchuluka kwa zaka zomwe mudalipira, kapena ngati muli ndi chilema choyenera.
• Ngati mukulandira zabwino za Social Security, mudzangolembetsa ku Medicare mukangoyenerera.
• Ndalama za Medicare zitha kuchotsedwa pamalipiro anu a Social Security.

Social Security ndi Medicare ndi mapulogalamu aboma aku America omwe sakugwiranso ntchito. Mapulogalamu onsewa amathandiza anthu omwe afika zaka zapuma pantchito kapena olumala.

Social Security imapereka ndalama monga ndalama zolipirira mwezi uliwonse, pomwe Medicare imapereka inshuwaransi yazaumoyo. Ziyeneretso za mapulogalamu onsewa ndizofanana. M'malo mwake, kulandira maubwino a Social Security ndi njira imodzi yomwe mungalembetsere ku Medicare mukakhala oyenera.

Kodi Medicare ndi Social Security zimagwirira ntchito bwanji?

Mupeza Medicare mosavuta ngati mwalandira kale Social Security pantchito kapena ma SSDI. Mwachitsanzo, ngati munalandira ndalama zopuma pantchito kuyambira muli ndi zaka 62, mulembetsedwa ku Medicare miyezi itatu musanabadwe zaka 65. Mudzalembetsanso pokhapokha mutalandira SSDI kwa miyezi 24.

Muyenera kulembetsa ku Medicare ngati mutakwanitsa zaka 65 koma simunalandirepo phindu lanu la Social Security. Social Security Administration (SSA) ndi Medicare zidzakutumizirani paketi ya "Welcome to Medicare" mukafunika kulembetsa. Phukusili likuyendetsani pazosankha zanu za Medicare ndikuthandizani kulembetsa.

SSA ithandizanso kudziwa kuchuluka komwe muyenera kulipira kuti mufikire Medicare. Simulipira ndalama za Gawo A pokhapokha mutakwaniritsa zomwe zafotokozedwa pamwambapa, koma anthu ambiri amalipira gawo la B.

Mu 2020, ndalama zoyambira zonse ndi $ 144.60. Ndalamayi idzakhala yayikulu ngati muli ndi ndalama zambiri. Social Security imagwiritsa ntchito mbiri yanu yamisonkho kuti mudziwe mitengo yomwe muyenera kulipira.

Ngati mupanga ndalama zopitilira $ 87,000 pachaka, SSA idzakutumizirani Ndalama Zosintha Mwezi uliwonse (IRMAA). Chidziwitso chanu cha IRMAA chidzakuwuzani kuchuluka kwa zomwe muyenera kulipira. Mudzakhalanso ndi udindo wa IRMAA ngati mutasankha kugula gawo lina la Gawo D ndikupanga $ 87,000.

Kodi Social Security imalipira Medicare?

Social Security siyilipira Medicare, koma ngati mungalandire ndalama za Social Security, ndalama zanu za Part B zitha kuchotsedwa pa cheke. Izi zikutanthauza kuti m'malo mwa $ 1,500, mwachitsanzo, mudzalandira $ 1,386.40 ndipo gawo lanu la Part B liperekedwa.

Tsopano tiyeni tiwone Medicare ndi Social Security kuti timvetsetse madongosolo ofunikira awa, momwe mungakwaniritsire, komanso tanthauzo lake kwa inu.

Medicare ndi chiyani?

Medicare ndi ndondomeko ya inshuwaransi yazaumoyo yoperekedwa ndi boma. Pulogalamuyi imayang'aniridwa ndi Centers for Medicare & Medicaid Services (CMS), dipatimenti ya United States department of Health and Human Services. Kupezeka kumapezeka kwa anthu aku America omwe afika zaka 65 kapena ali ndi chilema chosatha.

Mosiyana ndi mapulani azikhalidwe, chithandizo cha Medicare chimapezeka m'malo osiyanasiyana:

• Kodi Social Security ndi chiyani?

  Social Security ndi pulogalamu yomwe imapindulitsa anthu aku America omwe apuma pantchito kapena olumala. Pulogalamuyi imayang'aniridwa ndi Social Security Administration (SSA). Mumalipira Social Security mukamagwira ntchito. Ndalama zimachotsedwa pamalipiro anu nthawi iliyonse yolipira.

  
  

  Mudzalandira phindu kuchokera ku Social Security mukadzatha kugwira ntchito chifukwa cha kulemala kapena mukadzafika zaka zoyenerera ndikusiya kugwira ntchito. Mulandila maubwino anu ngati cheke pamwezi kapena gawo la banki. Ndalama zomwe mukuyenera kulandira zimatengera kuchuluka kwa zomwe mwapeza mukamagwira ntchito.

  Mutha kulembetsa mapindu a Social Security ngati chimodzi mwazinthuzi chikukukhudzani:

  • Ndinu wazaka 62 kapena kupitirira apo.
  • Muli ndi chilema chosatha.
  • Wokondedwa wanu yemwe anali kugwira ntchito kapena kulandira ma Social Security amwalira.

  Kodi Social Security pantchito ndi chiyani?

  Mapindu a Social Security pantchito adapangidwa kuti asinthe gawo limodzi la ndalama zomwe mumapeza pamwezi musanapume pantchito.

  Ndani ali woyenera kulandira chithandizo cha Social Security pantchito?

  Monga tanenera, muyenera kukwaniritsa zofunikira zingapo kuti mudzalandire phindu la Social Security pantchito. Monga ndi Medicare, uyenera kukhala nzika ya United States kapena wokhalitsa. Muyeneranso kuti mwagwira ntchito ndikupeza mbiri yanu. Kuchuluka kwa ngongole zomwe mungafune zimatengera momwe zinthu zilili komanso mtundu wa phindu lomwe mukufuna.

  Mufunika ndalama zosachepera 40 kuti mupemphe ndalama zopuma pantchito. Popeza mutha kupeza ndalama zokwanira zinayi pachaka, mudzalandira ngongole za 40 mutagwira ntchito zaka 10. Lamuloli limagwira aliyense wobadwa pambuyo pa 1929.

  Ndalama zomwe mudzalandire pamwezi zimatengera ndalama zomwe mumapeza m'moyo wanu wonse wogwira ntchito. Mutha kugwiritsa ntchito chowerengera patsamba la Social Security kuti muwerenge phindu lanu pantchito.

  Okwatirana ndi ma Social Security pantchito

  Mnzanuyo amathanso kufunsa mpaka 50% ya phindu lanu ngati alibe ndalama zokwanira zogwirira ntchito, kapena ngati ndinu amene mumalandira ndalama zambiri. Izi sizimachotsa phindu lanu. Mwachitsanzo, munganene kuti muli ndi ndalama zokwanira $ 1,500 ndipo mnzanu sanagwirepo ntchito. Mutha kulandira $ 1,500 yanu pamwezi ndipo mnzanu akhoza kulandira mpaka $ 750. Izi zikutanthauza kuti banja lanu lipeza $ 2,250 mwezi uliwonse.

  Momwe msinkhu wopuma pantchito umakhudzira zabwino zanu

  Mutha kulembetsa mapindu a Social Security pantchito mutakwanitsa zaka 62. Komabe, mudzalandira ndalama zambiri pamwezi mukadikirira zaka zingapo. Anthu omwe ayamba kutolera ndalama zopuma pantchito ali ndi zaka 62 adzalandira 70% ya phindu lawo lonse. Mutha kulandira 100% ya phindu lanu ngati simukuyamba kutolera mpaka mutakwanitsa zaka zonse zopuma pantchito.

  Zaka zonse zopuma pantchito za anthu obadwa pambuyo pa 1960 ndi 67. Ngati munabadwa chaka cha 1960 isanakwane, onaninso tchati ichi kuchokera ku Social Security kuti muwone nthawi yomwe mudzakwaniritse zaka zonse zopuma pantchito.

  Kodi Supplemental Security Income (SSI) ndi chiyani?

  Mutha kulandira mapindu ena ngati mulibe ndalama zochepa. Wodziwika kuti Supplemental Security Income (SSI), maubwino awa ndi a anthu omwe amalandila ndalama zochepa omwe amayenera kulandira Social Security chifukwa chaukalamba kapena kulumala.

  Ndani ali woyenera SSI?

  Mutha kukhala oyenerera SSI ngati:

  • Oposa 65
  • ali akhungu mwalamulo
  • kukhala wolumala

  Monga maubwino onse a Social Security, muyeneranso kukhala nzika ya United States kapena wokhala mwalamulo ndikukhala ndi ndalama zochepa. Komabe, kuti mulembetse ku SSI, simukufuna mbiri yantchito.

  Mutha kulandira SSI kuphatikiza pa SSDI kapena phindu pantchito, koma itha kukhalanso ndalama yokhayokha. Ndalama zomwe mumalandira mu SSI zimadalira ndalama zanu kuchokera kuzinthu zina.

  Kodi Social Security Disability Insurance (SSDI) ndi chiyani?

  Social Security Disability Insurance ndi mtundu wa Social Security womwe umapindulitsa anthu olumala kapena azaumoyo omwe angawalepheretse kugwira ntchito.

  Ndani ali woyenera SSDI?

  Malamulowa ndi osiyana mukamafunsira SSDI. Mufunika ngongole za ntchito 40 ngati mulembetsa zaka 62 kapena kupitilira apo.

  Kuti muyenerere SSDI, muyenera:

  • osakhoza kugwira ntchito chifukwa cha matenda omwe angakhale osachepera miyezi 12, kapena osachiritsika
  • alibe polemala pang'ono kapena kwakanthawi kochepa
  • gwirizanani ndi tanthauzo la SSA la chilema
  • khalani ochepera zaka zakupuma pantchito

  Muyenera kutsimikizira kuti mukukwaniritsa izi, ndipo izi zitha kukhala zovuta. Mukakhala oyenerera SSDI, kuchuluka kwa zolemala zomwe mungalandire kutengera zaka zanu komanso kuchuluka kwa nthawi yomwe mwagwira ntchito ndi kulipira mu Social Security.

  Gome ili likufotokoza zabwino zomwe zimaperekedwa kutengera msinkhu wanu ndi kuchuluka kwa zaka zomwe mwagwira ntchito:

  Zaka zakugwiritsa ntchito ndi maubwino a SSDI

  Zaka zomwe mumagwiritsa ntchito:	Kuchuluka kwa ntchito yomwe mukufuna:
  Asanafike 24	Zaka 1 of zaka 3 zapitazi
  Mibadwo 24 mpaka 30	Nthawi theka pakati pa 21 ndi nthawi yolemala kwanu. Mwachitsanzo, mufunika kugwira ntchito zaka 3 ngati mungakhale olumala zaka 27.
  Mibadwo 31 mpaka 40	Zaka 5 (ngongole 20) za ntchito mzaka khumi musanalemale
  44	Zaka 5 ½ (22 ngongole) za ntchito mzaka khumi musanapunduke
  46	Zaka 6 (ngongole 24) za ntchito mzaka khumi musanapunduke
  48	Zaka 6 ½ (ngongole za 26) za ntchito mzaka khumi musanapunduke
  50	Zaka 7 (ngongole 28) za ntchito zaka khumi musanapunduke
  52	Zaka 7 ½ (30 kirediti) ka ntchito mzaka khumi musanapunduke
  54	Zaka 8 (ngongole 32) za ntchito zaka khumi musanapunduke
  56	Zaka 8 ½ (34 ngongole) za ntchito mzaka khumi musanapunduke
  58	Zaka 9 (36 credits) za ntchito mkati mwa zaka khumi musanapunduke
  60	Zaka 9 ½ (ngongole 38) za ntchito mzaka khumi musanapunduke

  Kodi opulumuka Social Security amapindula bwanji?

  Mutha kufunsa opulumuka ngati mwamuna kapena mkazi wanu womwalirayo adalandira ngongole zosachepera 40. Muthanso kufunsa zabwino ngati mnzanu wamwalira ali wachichepere koma adagwira ntchito 1 ½ mwa zaka zitatu asanamwalire.

  Ndani ali woyenera kupulumuka?

  Kupulumuka okwatirana akuyenera kulandira mapindu:

  • azaka zilizonse ngati akusamalira ana ochepera zaka 16 kapena olumala
  • pa 50 ngati ali ndi chilema
  • pa 60 pazopindulitsa pang'ono
  • pa zaka zonse zopuma pantchito kwa 100 peresenti ya phindu

  Ubwino amathanso kulipidwa kwa:

  • okwatirana
  • ana mpaka 19 omwe akupitabe kusukulu yasekondale
  • ana olumala omwe adapezeka asanakwane 22
  • makolo
  • ana opeza
  • zidzukulu

  Kuphatikiza apo, wokwatirana yemwe watsala ndi mwana wawo onse atha kulandira maubwino. Zophatikiza kuphatikiza zitha kukhala mpaka 180 peresenti ya phindu lenileni.

  Kutenga

  Social Security ndi Medicare amathandiza anthu aku America omwe sakugwira ntchito chifukwa cha msinkhu kapena chilema. Simusowa kuti mulandire zabwino za Social Security kuti muyenerere Medicare.

  Ngati mukulandira zabwino za Social Security, mudzangolembetsa ku Medicare mukangoyenerera. Malipiro anu a Medicare angachotsedwe molunjika pamalipiro anu.

  Mosasamala zaka zanu, mutha kuyamba kufufuza pano kuti muwone momwe Social Security ndi Medicare limodzi zitha kukhala gawo lakukonzekera kwanu kupuma pantchito.