Amasu Okuthatha Umhlalaphansi Wezempi

Qhathanisa izinhlelo ezinhle kakhulu ezisekelwe ngosuku lokungena kwenkonzo kanye nokukhetha

ICongress inikwe amandla amapulani amane okukhokhela umhlalaphansi. Ngezansi uzothola incazelo emfushane yepulani ngalinye. Nakuba uhlelo lomhlalaphansi olulodwa luhlukile, izinsuku zesevisi okumelwe zisetshenziswe emibhalweni yokukhokhela umhlalaphansi zihlala zifanayo. Izinsuku zokusebenza eziyinhloko ezisetshenziselwa zibandakanya Usuku Lokuqala Lokungena Enkonzweni Yezempi (DIEMS) kanye nesihloko 10, i-United States Code, usuku lwezinsizakalo zeSigaba 1405 (inkonzo 1405). Ukuze uthole imininingwane ephelele, bheka Ukuqonda Imali Yokuthatha Umhlalaphansi Wezempi .

Usuku Lokuqala Lokungena Enkonzweni YaseMpi (i-DIEMS) usuku lokutholwa kwekhomishana noma ukubhaliswa kunoma yikuphi ukugcina noma ingxenye ejwayelekile ye-United States Armed Force. Ihlanganisa:

• Ukubhaliswa njengelungu leSigungu ohlelweni lwe-ROTC
• Ukubhalisa kunoma yiluphi uhlelo lokusebenza lokubambezeleka / lokubhalisa kwesakhiwo sokubambezeleka
• Ukungena njenge-cadet noma umlingisi esikoleni senkonzo
• Ukungena esikoleni samalungiselelo esikoleni

Usuku lwe-DIEMS usuku olulinganisiwe futhi aluhambisani nokulungiswa ngenxa yekhefu enkonzweni futhi lisetshenziselwa ukunquma ukuthi yimaphi amapulani omhlalaphansi amalungu ompi awela ngaphansi.

Uhlelo lokuthatha umhlalaphansi oluhlanganisiwe: Abasebenzi Ukufaka Umsebenzi Osebenzayo Ngemuva kukaDisemba 31, 2017

Uthola i-40% yesamba sakho sokukhokha ngemva kweminyaka engu-20. Ngaphezu kwalokho, uthola ibhonasi eminyakeni engu-12 ka-2.5% yenkokhelo yakho yonyaka. I-multiplier yakho yonyaka ngamunye wenkonzo ngu-2%. Ungaqhubeka ukwandisa izinga lakho lokuthatha umhlalaphansi ngaphezu kwe-100%, okuzofezwa eminyakeni engu-40 yokusebenza.

Uthola imali efanelana ne-akhawunti yakho ye-TSP kuhulumeni. Awukwazi ukudonsa umhlalaphansi wakho kuze kube yilapho uneminyaka engu-60 kuya kwangu-65 ubudala. Ungayifaka kwi-akhawunti yomhlalaphansi yangasese. Ungathatha imali yakho yokuthatha umhlalaphansi nawe uma ushiya inkonzo ngaphambi kokumaka iminyaka engu-20.

Futhi unelungelo lokujoyina uhlelo lwe-Blended Retirement System uma ufaka inkonzo phakathi kukaDisemba 31, 2005 noJanuwari 1, 2018 noma ukuhlala ubhalisile ohlelweni lwe-CBS / REDUX.

I-CBS / REDUX: Abasebenzi Ukufaka Umsebenzi Osebenzayo Ngomhlaka 1 Agasti 86 kuze kube kuDisemba 31, 2017

Uma i-DIEMS yelungu ingekho noma ngemuva komhla ka-1 ku-Agasti 86, inkokhelo yokuthatha umhlalaphansi ibalwa ngokusebenzisa isilinganiso sezinyanga ezingu-36 eziphakeme kunazo zonke zelungu, izikhathi ezingu-2 ½ zezinsuku zemisebenzi yelungu (ngokusekelwe ngosuku losuku lwama-1405) zisusa 1 ukunciphisa amaphesenti ngonyaka wonyaka wenkonzo engaphansi kweminyaka engama-30. Imali ekhokhelwa umhlalaphansi iminyaka engu-20 ibalwa ngamaphesenti angu-40. Lokhu ukunciphisa kubuyiselwa unomphela uneminyaka engama-62. Lokhu kubalwa ukukhokha kuvame ukubhekwa ngokuthi "Uhlelo oluphakeme lwe-36/40%." Nasi isibonelo esibalwa esibesebenzisa i-MSgt ezibonelweni zangaphambilini:

61.25% ukuphindaphinda - 5.5% = 55.75%
US $ 2531 (inkokhelo eyisisekelo ejwayelekile) X 55.75% = $ 1411 (inkokhelo ekhokhelwa umhlalaphansi)

Ngesevisi eqhubekayo, ufaka ngaphezulu kwezingu-100% eminyakeni engu-40 yenkonzo. Izindleko zokulungiswa kokuphila yi-Index yezindleko zabathengi ingaphansi kwephesenti eyodwa kuze kube yiminyaka engu-62, uma ilungiswa.

Uhlelo lwe-CBS / REDUX ludinga ukhetho ngomnyaka weshumi nanhlanu.

• Ungathatha ibhonasi yemali engama $ 30,000, okungaba ngu-$ 21,000 emva kwentela futhi isheke lakho lesempesheni liyoba ngamaphesenti angu-40. uma uhlala umhlalaphansi eminyakeni engu-20 yenkonzo.
• Ungakhetha uhlelo oluphezulu lokuthatha umhlalaphansi olungenayo ibhonasi kanye nesheke lokuthatha umhlalaphansi we-50% uma usuhlala eminyakeni engu-20 yenkonzo.

High-36: Abasebenzi Ukufaka Umsebenzi Osebenzayo 8 Sep 80 - 31 Jul 86

Uma i-DIEMS yelungu isivele noma ngemuva kuka-8 Sep-80 kuya ku-31 Julayi 86, inkokhelo yokuthatha umhlalaphansi ibalwa ngokusebenzisa isilinganiso sezinyanga ezingu-36 eziphakeme kakhulu zelungu lomholo wokusebenza okuyisisekelo, izikhathi ezingu-2 ½ zaminyaka yenkonzo yelungu (ngokusekelwe Usuku lomsebenzi we-1405). Lokhu kuzoholela ekusikeleni inkokhelo encane yesikhokhelo esisebenzayo nyanga zonke. Yilokho okuvame ukubizwa ngokuthi "Uhlelo oluphakeme lwe-36/50." Nasi isibonelo:

$ 2778 Ukukhokha okuyisisekelo kwe-MSgt eminyakeni engaphezu kwengu-24 yomsebenzi osebenzayo ngo-1999
Inkokhelo engu-$ 2555 ye-MSgt engaphezu kweminyaka engu-22 yomsebenzi osebenzayo ngo-1998
$ 2485 Ukukhokha okuyisisekelo kwe-MSgt eminyakeni engaphezu kwengu-22 yomsebenzi osebenzayo ngo-1997
$ 2329 Ukukhokha okuyisisekelo kwe-MSgt engaphezu kweminyaka engu-20 yomsebenzi osebenzayo ngo-1997
I-$ 2531 Isilinganiso Sokukhokha Okuyisisekelo Senyanga
U-$ 2531 (inkokhelo eyisisekelo ejwayelekile) X 61.25% = $ $ 1550 (inkokhelo ekhokhelwa umhlalaphansi)

Ayikho ibhonasi noma ukulungiswa. Izindleko zokunyuka kwezindleko zisekelwe kwiNkomba Yezindleko Zabathengi.

Uhlelo Lokugcina Lokukhokhela: Abasebenzi Ukufaka Umsebenzi osebenzayo ngaphambi kuka-8 Septhemba 80

Uma i-DIEMS ilungu lingaphambi kuka-8 Septhemba 80, inkokhelo yokuthatha umhlalaphansi ibalwa ngokuphindaphinda inkokhelo yenyanga eyisisekelo yelungu, izikhathi ezingu-2 ½ zaminyaka yenkonzo yelungu (ngokusekelwe ngosuku lwezinsuku ezingu-1405). Isibonelo, inkokhelo eqondile yokuthatha umhlalaphansi ye-Master Sergeant (E-7) enezinyanga ezingu-24 izinkonzo zezinyanga ezingu-6 izobalwe ngale ndlela elandelayo, besebenzisa isilinganiso se-pay pay ka-1999:

• 24 ½ iminyaka = 24.5 X 2 ½% = 61.25% (multiplier)
• $ 2778.90 (ukukhokha okuyisisekelo) X 61.25% = $ 1702 (ukhokhelwa umhlalaphansi okhokhelwa umhlalaphansi)

Ngesistimu Yokugcina Yokukhokha, ayikho ibhonasi noma isilungiso. Izindleko zokunyuka kwempilo zisekelwe ohlwini lwezindleko zabathengi.