Thursday, July 22, 2010

SOCIAL SECURITY LE A BENEFIT UMTUNING:

1. Social Security cu zeidah si?
Ans: Social Security cu US cozah nih rianttuantu mipi caan sau nunhumnak caah a tuah mi program asi. US ram ah phungning in a ummi poh cu social security number an pek hna i chinchiahnak an tuah hna. Cu number tel loin rian ttuan khawh asi lo. Mi nih rian an ttuan i phaisa an hmuh tikah cu number hmang cun social security tax le medicare tax a zuh piak hna i hmailei anmah venhimnak caah an nawh (invest) piak hna. Rianttuantu hna nih phaisa an hmuh zat le tax an pek zat cio cu dikdiar tein chinchiah piak dih an si.
2. A benefit pawl cu zei te hna dah an si?
Ans: A benefit pawl hi tam ngai a um. Kumkhua a upa i rian a ttuan kho ti lomi poh kha social security tax an pekmi cung cio tuak in 'tar pension' an pek hna. An hmuh zat cu an tax pek mi tlawm-tam le an pension laak kum cungah hngat in aa lo cio lo. Cun, rian an ttuan ti lo i healh insurance an ngeih khawh ti lo tikah an ngandamnak zohkhenhnak caah 'medicare' an pek hna. Cu lawng asi rih lo, tar hlan zongah a benefit hi co khawhnak lam tampi a um. Rianttuantu nucem nih maw, pacem nih maw thihnak in chungkhar an tthen tik hna le nu le va nih nunttian (divorce) an ton tikah an credit a qualify mi an si ahcun taan takmi kop hawi (spouse) le kum 18 tang an fale nih social security benefit cu hmuh khawh asi. Cun, rianttuantu nih pumtlamtling lo in a um sual tikah social security benefit cu hmuh khawh asi fawn.
3. A benefit hi qualify le qualify lo ti a um maw?
Ans: Um. An zohnak tampi lak ah a biapibik cu social security credit point hi asi. Full benefit hmuh khawh nak ding caah cun credit point 40 hmuh a hau. Credit 40 a tlinh theng lomi zong nih social security benefit laak hau dirhmun in a um ahcun pek cu an pek tthiamthiam ko lai. Nain, a hmuh mi belte cu a tlawm ve lai.
4. Credit point umtuning cu zeitindah asi?
Ans: Rian ttuanmi kum 25 in a cunglei asi mi sin poh ah kumfatin Internal Revenue Service (IRS) zung nih 'social security statement' kuat cio asi. Mah ca chungah cun credit point hmuh zat le benefit qualify khawh zat cu an langhter lengmang. Credit point cu hmuh mi phaisa tlawmtam in tuak asi lo. Rianttuannak tuanbia tu in an zoh. Pehtlai tein rian a ttuan mi poh cu duhsah tete in credit point an karh piak lengmang hna. A rianttuannak kum 10 a tling cangmi poh nih cun credit point 40 hmuh lo khawh asi lo.
5. Social security pension tlawm-tam hi zei nih dah lai a rel bik?
Ans: Social security pension tlawm-tam cu tax pekmi tlawmtam le retired kum nih lai a rel bik. Social securiy tax tamdeuh a pe mi poh nih tamdeuh an hmuh khawh i tlawmdeuh a pe mi poh nih tlawmdeuh an hmuh ve. Cun, retired kum nih faak ngaiin bia a chim fawn. Early retirement le full retirement tiin a um i full retirement kum tiang rian ttuanmi nih cun mah le sining ah a sangbik in hmuh khawh asi. Full retirement kum 67 asi mi pa kha kum 62 ah a retired asi ahcun a hmuh ding mi hi 30% hrawng in a zor kho.
6. Early retirement le full retirement umtuning cu zeitindah asi?
Ans: Early retirement an timi cu kum 62 le full retirement karlak caan chung i pension laak khi asi. Full retirement cu mah le chuah kum cio hoih in a kal. A umtuning cu hitihin asi:
a) 1937 ri in a tanglei poh caah cun full retirement kum cu 65 asi.
b) 1938 - 1942 kum chung i a chuakmi caah cun retired kum cu kumkhat ah thla hnih lengmang in a karh. 1938 kum caah 65 le thla 2, 1939 caah 65 le thla 4, 1940 caah 65 le thla 6, 1941 caah 65 le thla 8, 1942 caah 65 le thla 10 tiin.
c) 1943 in 1954 karlak a chuakmi caah cun straight in 66 asi dih.
d) Cun, 1955 in 1959 karlak chuakmi pawl caah hin kumkhat ah thla 2 duahmah in an hun karh ter tthan. 1955 chuakmi caah 66 le thla 2 etc.... tiin a kal i 1959 caah cun 66 le thla 10 a hung si.
e) 1960 ri in a hnulei chuakmi poh caah cun 67 hi kan full retirement kum asi. # January thla chuakmi poh cu a liam cia kum tu kha rel piak an si.
Van T. Cung
Maryland
Note: Hi ca hi US a phanka u le nau cheukhat caah tthahnem santlai asi hnga maw timi ruahnak he a tlangpi in ttialmi asi. Rianttuan teimak te hna, tax tampi pek te hna a santlaihning kong langhter duhnak asi.
Ref:: ChinAmericanForum

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