Medicare neSocial Security: Inoshanda Sei?

Zvemukati

• Medicare neSocial Security zvinoshanda pamwechete sei?
• Kuchengetedzwa Kwemagariro kunobhadhara Medicare here?
• Chii chinonzi Medicare?
• Chii chinonzi Kuchengetedzwa Kwemagariro?
• Chii chinonzi Social Security pamudyandigere?
• Ndiani anokodzera kuSocial Security pamudyandigere mabhenefiti?
• Vakaroorana uye Social Security pamudyandigere mabhenefiti
• Zera raunotora pamubato rinokanganisa sei mabhenefiti ako
• Chii chinonzi Supplemental Security Income (SSI)?
• Ndiani anokodzera SSI?
• Chii chinonzi Social Security Disability Insurance (SSDI)?
• Ndiani anokodzera SSDI?
• Yekushandisa zera uye SSDI mabhenefiti
• Ndeapi masocial Security anopona mabhenefiti?
• Ndiani anokodzera kupona mabhenefiti?
• Kutora

• Medicare uye Kuchengetedzwa Kwemagariro ndezve mabhenefiti akakwenenzverwa nemubatanidzwa aunotenderwa zvichienderana nezera rako, huwandu hwemakore awakabhadhara muhurongwa, kana kana uine hurema hunokodzera.
• Kana iwe uri kugamuchira Social Security mabhenefiti, iwe unozongo nyorwa nyore muMedare kana iwe uchinge wakakodzera.
• Medicare premiums inogona kubviswa kubva kune yako Social Security kubhadharira kubhadhara.

Social Security uye Medicare zvirongwa zvemubatanidzwa zvevanhu vekuAmerica vasisiri kushanda. Mapurogiramu ese ari maviri anobatsira vanhu vasvika pazera rekurega basa kana vane hurema husingaperi.

Social Security inopa rutsigiro rwemari nenzira yekubhadhara pamwedzi, nepo Medicare ichipa inishuwarenzi yehutano. Izvo zvinokodzera zvezvirongwa zvese zvakafanana. Muchokwadi, kugamuchira maSocial Security mabhenefiti ndeimwe nzira iwe yaunogona kunyoreswa otomatiki muMedare kana iwe uchinge wakakodzera.

Medicare neSocial Security zvinoshanda pamwechete sei?

Iwe unozowana Medicare otomatiki kana iwe uri kutogashira Social Security pamudyandigere kana SSDI mabhenefiti. Semuenzaniso, kana iwe wakatora mabhenefiti ekurega basa uine makore makumi matanhatu nemaviri, iwe unozonyoresa muMedare mwedzi mitatu usati wasvika makore makumi matanhatu nemashanu ekuberekwa. Iwe unozonyorerwazve otomatiki kana wanga uchigamuchira SSDI kwemwedzi makumi maviri nemana.

Iwe unofanirwa kunyoresa muMedare kana iwe uchinge wasvitsa makore makumi matanhatu nemashanu asi usati watora mabhenefiti eSocial Security. Iyo Social Security Administration (SSA) uye Medicare ichakutumira iwe "Welcome to Medicare" paketi kana iwe uchikodzera kunyoresa. Iyo packet inofamba iwe kuburikidza neyako Medicare sarudzo uye nekukubatsira iwe kunyoresa.

SSA inozotarisawo mari yaunofanirwa kubhadhara kuti ufukidze Medicare. Iwe haubhadhare mari yemubhadharo weChikamu A kunze kwekunge iwe ukasasangana nemitemo yekuvhara yakurukurwa pamusoro apa, asi vanhu vazhinji vachabhadhara mari yechikamu B.

Muna 2020, iyo yakajairwa mari yepamusoro ndeye $ 144.60. Iyi mari ichave yakakwira kana iwe uine mari yakawanda. Social Security inoshandisa marekodhi ako emitero kuona mitengo yaunoda kubhadhara.

Kana iwe ukaita inodarika $ 87,000 pagore, SSA inokutumira iwe Inowanikwa-Inoenderana Neyemwedzi Kugadziridza Mari (IRMAA). Yako IRMAA ziviso inokuudza iyo mari iri pamusoro peyakajairwa premium iwe yaunofanirwa kubhadhara. Iwe zvakare uchave nebasa re IRMAA kana ukasarudza kutenga rakasiyana Chikamu D chirongwa uye iwe unoita inodarika $ 87,000.

Kuchengetedzwa Kwemagariro kunobhadhara Medicare here?

Social Security haibhadharire Medicare, asi kana iwe ukatambira Social Security kubhadhara, ako Chikamu B mapuramu anokwanisa kubviswa kubva cheki yako. Izvi zvinoreva kuti pachinzvimbo che $ 1,500, semuenzaniso, unozogamuchira $ 1,386.40 uye chikamu chako chePrim B chinobhadharwa.

Iye zvino ngatitarisei paMedare uye Kuchengetedzwa Kwemagariro kuti tinzwisise kuti ndeapi mapurogiramu anokosha ekubatsira, kuti unokodzera sei, uye zvinorevei kwauri.

Chii chinonzi Medicare?

Medicare chirongwa cheinishuwarenzi chehutano chakapihwa nehurumende yemubatanidzwa. Chirongwa ichi chinotarisirwa neCenters for Medicare & Medicaid Services (CMS), iro dhipatimendi reUnited States Dhipatimendi reHutano neHuman Services. Kuvhara kunowanikwa kumaAmerican avo vasvitsa makore avo makumi matanhatu nemashanu ekuberekwa kana vane hurema husingaperi.

Kusiyana nehurongwa hwakawanda hwetsika dzehutano, kufukidzwa kweMedare kunowanikwa munzvimbo dzakasiyana.

• Chii chinonzi Kuchengetedzwa Kwemagariro?

  Kuchengetedzwa Kwemagariro chirongwa chinobhadhara mabhenefiti kuvaAmerica vakasiya basa kana vakaremara. Chirongwa ichi chinotarisirwa neSocial Security Administration (SSA). Iwe unobhadhara muSocial Security kana iwe uchishanda. Mari inobviswa pamubhadharo wako wega wega wekubhadhara nguva.

  
  

  Iwe unozogashira mabhenefiti kubva kuSocial Security kana iwe usisakwanise kushanda nekuda kwekuremara kana kana iwe uchinge wasvitsa zera rekukodzera uye warega kushanda. Iwe uchagamuchira mabhenefiti ako muchimiro cheki yemwedzi kana chebhangi. Mari iwe yaunokodzera inoenderana nekuti yakawanda sei yawakawana iwe uchishanda.

  Iwe unogona kunyorera zveSocial Security mabhenefiti kana imwe yeaya mamiriro ezvinhu ikashanda kwauri:

  • Iwe uri makumi matanhatu nemaviri kana kupfuura.
  • Une hurema husingaperi.
  • Wako wawakange uchishanda kana kugamuchira Social Security mabhenefiti akafa.

  Chii chinonzi Social Security pamudyandigere?

  Social Security pamudyandigere mabhenefiti akagadzirirwa kutsiva chikamu chemari yemwedzi wawakawana usati waenda pamudyandigere.

  Ndiani anokodzera kuSocial Security pamudyandigere mabhenefiti?

  Sezvambotaurwa, iwe unozofanirwa kusangana nezvinodiwa zvishoma kuti uve unokodzera kuSocial Security pamudyandigere mabhenefiti. Kungofanana neMedicare, iwe unozofanirwa kuve mugari weUnited States kana mugari wechigarire. Iwe ungangoda zvakare kuti wakashanda uye wawana zvikwereti. Huwandu hwezvikwereti iwe zvaunoda zvinoenderana nemamiriro ako uye mhando yerubatsiro iwe yauri kunyorera.

  Iwe unozoda kanenge makumi mana emakiredhi kuitira kuti unyore mabhenefiti ebhenefiti. Sezvo iwe uchikwanisa kuwana anosvika mana macredits pagore, iwe uchawana makumi mana emakiredhi mushure memakore gumi ekushanda. Mutemo uyu unoshanda kune chero munhu akazvarwa mushure megore 1929.

  Mari yauchatambira pamwedzi inoenderana nemari yako muhupenyu hwako hwese hwekushanda. Iwe unogona kushandisa iyo Calculator pane Yemagariro Kuchengetedzwa webhusaiti kuyera yako ekurega mabhenefiti.

  Vakaroorana uye Social Security pamudyandigere mabhenefiti

  Wako mumwe wako anokwanisa zvakare kutora kusvika makumi mashanu kubva muzana yemari yako yekubatsirwa kana vasina zvikwereti zvebasa zvakakwana, kana iwe uri iwe anotambira zvakanyanya. Izvi hazvibvise kubva pauwandu hwebhenefiti yako. Semuenzaniso, iti iwe une mari yekubatira mari inosvika madhora chiuru nemazana mashanu uye mumwe wako haana kumboshanda. Unogona kugashira yako pamwedzi $ 1,500 uye mumwe wako anogona kugamuchira kusvika kumadhora mazana manomwe nemakumi mashanu. Izvi zvinoreva kuti mhuri yako ichawana madhora zviuru mazana maviri nemazana maviri nemakumi mashanu pamwedzi wega wega.

  Zera raunotora pamubato rinokanganisa sei mabhenefiti ako

  Iwe unogona kunyorera zveSocial Security pamudyandigere mabhenefiti kana uchinge wasvitsa makore makumi matanhatu nemaviri. Zvisinei, iwe unozogamuchira imwe mari pamwedzi kana ukamirira makore mashoma. Vanhu vanotanga kuunganidza mabhenefiti emudyandigere makumi matanhatu nematanhatu vanogashira 70 muzana yemari yavo yakazara yekubatsirwa. Unogona kugashira zana muzana yemari yako yekubatsirwa kana ukasatanga kuunganidza kusvika pazera rekurega basa.

  Zera rakazara rekurega basa revanhu vakazvarwa mushure megore ra1960 rava makore 67. Kana iwe wakazvarwa gore ra1960 risati rasvika, tarisa pachati iyi kubva kuSocial Security kuti uone kuti uchasvika riini pazera rekurega basa.

  Chii chinonzi Supplemental Security Income (SSI)?

  Unogona kukodzera kuwana mamwe mabhenefiti kana uine mari shoma. Inozivikanwa seAddlemental Security Income (SSI), aya mabhenefiti ndeevanhu vane mari shoma vanokodzera Social Security nekuda kwezera kana kuremara.

  Ndiani anokodzera SSI?

  Unogona kukodzera SSI kana iwe:

  • vanopfuura makumi matanhatu nemashanu
  • mapofu zviri pamutemo
  • kuva nehurema

  Sezvo nezvose zvinobatsira zveSocial Security, iwe unodawo kuve mugari weUnited States kana mugari wepamutemo uye uine mari shoma uye zviwanikwa. Nekudaro, kunyorera SSI, haudi zvikwereti zvebasa.

  Iwe unogona kugamuchira SSI mukuwedzera kune SSDI kana mabhenefiti mabhenefiti, asi inogona zvakare kuve yakamira yega kubhadhara. Mari yaunogamuchira muSSI inoenderana nemari yako kubva kune zvimwe zviwanikwa.

  Chii chinonzi Social Security Disability Insurance (SSDI)?

  Kuchengetedzwa Kwemagariro Inishuwarenzi imhando yeSocial Security inobatsira kune vakaremara kana mamiriro ehutano anovatadzisa kushanda.

  Ndiani anokodzera SSDI?

  Mitemo yacho yakasiyana paunenge uchinyorera SSDI. Iwe unozoda makumi mana emakiredhi ebasa kana iwe uri kunyorera pazera ramakore makumi matanhatu nemaviri kana kupfuura.

  Kuti ukwanise kuita SSDI, unofanirwa:

  • kutadza kushanda nekuda kwehutano hunogara kwemwedzi gumi nembiri, kana chinouraya
  • kwete parizvino ane hurema kana hushoma-kwenguva pfupi
  • sangana nedudziro yeSSA yekuremara
  • kuva mudiki pane zera rakazara rekurega basa

  Iwe unofanirwa kukwanisa kuratidza kuti unosangana nematanho aya, uye maitiro aya anogona kunge akaoma. Kana uchinge wakwanisa kuita SSDI, huwandu hwehurema hwauchazogamuchira hunogona kunge hwakaenderana nezera rako uye nenguva yawakashanda nekubhadhara muSocial Security.

  Iyi tafura inotsanangura izvo mabhenefiti anopiwa zvichienderana nezera rako uye nhamba yemakore akashanda:

  Yekushandisa zera uye SSDI mabhenefiti

  Zera raunoshandisa:	Huwandu hwebasa raunoda:
  Pamberi pe24	1 ½ makore ekushanda mumakore matatu apfuura
  Makore makumi maviri nemana kusvika makumi matatu	Hafu yenguva pakati pemakumi maviri nemana nenguva yekuremara kwako. Semuenzaniso, iwe unozoda makore matatu ekushanda kana iwe ukave wakaremara uine 27.
  Makore 31 kusvika 40	Makore mashanu (makumi maviri emakiredhi) ebasa mukati memakore gumi usati waremara
  44	Makore mashanu ½ (22 makiredhi) ebasa mukati memakore gumi usati waremara
  46	Makore matanhatu (24 makiredhi) ebasa mukati memakore gumi usati waremara
  48	Makore matanhatu ½ (makumi maviri nematanhatu) ebasa mukati memakore gumi usati waremara
  50	Makore manomwe (makumi maviri nemasere emakiredhi) ebasa mukati memakore gumi usati waremara
  52	Makore manomwe ½ (makumi matatu emakadhi) ebasa mukati memakore gumi usati waremara
  54	Makore masere (makumi matatu nematatu) ebasa mukati memakore gumi usati waremara
  56	Makore masere (makumi matatu nemasere) ebasa mukati memakore gumi usati waremara
  58	Makore mapfumbamwe (makumi matatu nematatu) ebasa mukati memakore gumi usati waremara
  60	9 ½ makore (makumi matatu nemasere) ebasa mukati memakore gumi usati waremara

  Ndeapi masocial Security anopona mabhenefiti?

  Iwe unogona kukumbira anopona mabhenefiti kana murume wako akafa akafa akawana makumi mana emakiredhi. Iwe unogona zvakare kutora mabhenefiti kana mumwe wako akafa achiri mudiki asi akashanda kwe1 ½ yeiyo matatu anodiwa makore vasati vafa.

  Ndiani anokodzera kupona mabhenefiti?

  Kupona vakaroora vanokodzera mabhenefiti:

  • pazera chero ripi zvaro kana vari kuchengeta vana vari pasi pemakore gumi nematanhatu kana vakaremara
  • pa50 kana vakaremara
  • pa60 mabhenefiti mashoma
  • pazera remudyandigere zana muzana muzana yemari yekubatsirwa

  Zvakanakira zvinogona zvakare kubhadharwa kune:

  • vaimbova vakaroorana
  • vana vanosvika 19 avo vachiri kuenda kusekondari
  • vana vakaremara vakaonekwa vasati vasvika makumi maviri nemaviri
  • vabereki
  • vana vokurera
  • vazukuru

  Pamusoro pezvo, murume kana mukadzi asara uye mwana wavo vanogona kuwana mabhenefiti. Masanganiswa akabatanidzwa anogona kuenzana kusvika pamakumi masere muzana ezviyero zvepakutanga.

  Kutora

  Social Security uye Medicare vanobatsira maAmerican asiri kushanda nekuda kwezera kana kuremara. Haufanire kunge uchigamuchira mabhenefiti eSocial Security kuti uwane Medicare.

  Kana iwe uri kugamuchira Social Security mabhenefiti, iwe unozongo nyorwa nyore muMedare kana iwe uchinge wakakodzera. Yako Medicare maprimiyamu anogona kubvisirwa akananga kubva kubhenefiti yako yekubhadhara.

  Zvisinei nezera rako, unogona kutanga kutsvagisa izvozvi kuti uone kuti Social Security neMedare pamwe vanogona kuve chikamu chekuronga zvekurega basa.