Ngesikhathi sokudonsa phansi, iCongress yanquma ukukhokha umhlalaphansi wezempi kwakulula kakhulu futhi yanquma ukuyicindezela. I-Congress yaqala ngezinguquko ezincane, ihambisa i-Cost-of-Living Allowance yonyaka ngonyaka kaJanuwari 1, esikhundleni sika-Okthoba 1, kodwa yabe isingene futhi ingenele ukwenza izinguquko ezinkulu.
Nazi ezinye izinto eziyisisekelo ohlelweni lokukhokha umhlalaphansi okufanele uqaphele lokhu:
Kumalungu e-Navy ne-Marine Corps, uthathwa njengelungu "elishiye umhlalaphansi" ngezinhloso zokuhlukanisa uma unelungu elibhalisiwe elinemisebenzi engaphezu kwengu-30, noma iwaranti noma isikhulu esithunyelwe.
Amalungu e-Navy ne-Marine Corps abanjwe ngenkonzo engaphansi kweminyaka engama-30 adluliselwa ku-Fleet Reserve / Fleet Marine Corps Reserve kanti inkokhelo yabo ibizwa ngokuthi "ukukhokhelwa kokugcina".
Amalungu e- Air Force and Army abaneminyaka engaphezu kwengu-20 enkonzweni yonke ahlukaniswa njengomhlalaphansi futhi athola umhlalaphansi.
Uma ilungu leNavy noma leMarine Corps liqeda iminyaka engama-30, kufaka phakathi isikhathi emigqumeni yokuthatha umhlalaphansi ekutholeni ukukhokhelwa kokugcina, isimo se-Fleet Reserve sishintshiwe sibe yisimo sokuthatha umhlalaphansi, futhi baqala ukuthola umholo osemhlalaphansi.
Ungabe udidekile. Lokhu ngenhla kungenxa yolwazi kuphela. Umthetho uthatha inkokhelo yokuthatha umhlalaphansi kanye nokugcina imali yokugcina imali ngendlela efanayo.
Inkokhelo yokuthatha umhlalaphansi wempi ayifani nezinhlelo zokukhokha umhlalaphansi womphakathi. Okokuqala futhi okubaluleke kakhulu, akukho "ukuboshwa" ohlelweni lomhlalaphansi wezempi. Awekho ama-akhawunti akhethekile omhlalaphansi, akukho ukuhlinzekwa kwezimali okufanako, akukho nentshisekelo. Ungafaneleka ukuthola umhlalaphansi ngokukhonza ngokuhloniphekile iminyaka engaphezu kwengu-20 empini, noma ungenzi.
Uma ukhululiwe empini uneminyaka engu-19, izinyanga ezingu-11, nezinsuku ezingu-27 zokukhonza, isibonelo, awufanelekeli umholo wokuthatha umhlalaphansi (ngaphandle kwezinhlelo ezimbalwa "zokuthatha umhlalaphansi", ezenzelwe ukunciphisa usayizi amabutho ahlomile).
Omunye umehluko ophawulekayo phakathi komhlalaphansi wezempi kanye nomhlalaphansi womphakathi ukuthi ilungu lezempi elithatha umhlalaphansi lingagcinwa emsebenzini osebenzayo. Ngokomyalelo we-Department of Defense (DOD) 1352.1:
- I-oda elingavumelekile lokuba umsebenzi osebenzayo. UNobhala weMnyango Wezempi angase alandise noma yiluphi ilunga elihlala emhlalaphansi , ilungu leSigceme sokugcina umhlalaphansi oseqedile okungenani iminyaka engu-20 yomsebenzi wezempi osebenzayo, noma ilungu leFleet Reserve noma i-Fleet Marine Corps Reserve ukuya emsebenzini osebenza ngaphandle kwemvume yelungu nganoma isiphi isikhathi ukwenza imisebenzi ebhekwa njengesidingo ngenhloso yokuzivikela kazwelonke ngokuhambisana ne-USC 683 (reference (b)). Lokhu kuhlanganisa negunya lokuyala ilunga elishiye umhlalaphansi elitholakala ngaphansi kweKhodi Elingavamile Yezobulungiswa BaseMpi (UCMJ) emsebenzini osebenzayo ukuze kusetshenziswe ukugunyazwa kwenkantolo ngaphansi kwesigaba 302 (a) sokubhekisela (b). Ilungu elithatha umhlalaphansi angeke lihlelwe ngokuzibophezela emsebenzini osebenzayo kuphela ukuthola inkantolo yokuphatha phezu kwelungu.
Kodwa-ke, ngobuqotho, amathuba okuba umhlalaphansi wezempi uzobuyiselwa emsebenzini osebenzayo ngemuva kweminyaka engama-60, noma oye wahlala umhlalaphansi iminyaka engaphezu kwenguhlanu, angaphansi. I-DOD ihlukanisa abaqashile emikhakha emithathu, nesigaba I njengoba kungenzeka kakhulu sikhumbule emsebenzini osebenzayo, futhi isigaba III singenakwenzeka kakhulu. Abantu abangaphezu kweminyaka engama-60 bangaphansi kwesigaba III, okuyisigaba esifanayo nabantu abanokukhubazeka. Ukukhumbula isigaba III sokuthatha umhlalaphansi akunakwenzeka kakhulu. Ngokusho kwe-DOD, lezi zigaba ziyi:
- Isigaba I. Ukunakekelwa komhlalaphansi kwezempi ezingaphansi kweminyaka engama-60 abaye bahlala umhlalaphansi ngaphansi kweminyaka emihlanu. E1.1.3.2.
- Isigaba II. Ukunakekelwa komhlalaphansi kwezempi ezingaphansi kweminyaka engama-60 abaye baphume umhlalaphansi eminyakeni emihlanu noma ngaphezulu.
- Isigaba III. Abahlala emadolobheni, kuhlanganise nalabo abahlala emhlalaphansi ngenxa yokukhubazeka, ngaphandle kwezigaba zomhlalaphansi we-I noma II (kufaka phakathi izikhulu zemvume nabaqeqeshi bezempilo abaqashile emsebenzini osemsebenzini ngemuva kweminyaka yobudala engama-60).
Khokha ukuThola
Amalungu afaka umsebenzi osebenzayo noma ngaphambi kuka-8 Septemba 1980, inani lokukhokhela umhlalaphansi lithathwa ngokuphindaphinda insizakalo yakho yesevisi (evame ukubizwa ngokuthi "i-multiplier" yakho) ngokukhokhelwa komsebenzi wakho osebenzayo ngesikhathi sokuthatha umhlalaphansi.
Uma ufaka umsebenzi osebenzayo emva kuka-8 kuSeptemba 1980, ukukhokha okuyisisekelo kungenani lezinyanga ezingu-36 eziphakeme kakhulu zesikweletu esisebenza ngokugcwele esitholiwe. Ukwengeza, ukulungiswa kwakho kokuqala (kokuqala) kwezindleko zokuphila kuzoncipha ngamaphesenti angu-1.
"I-multiplier" yalezi zinhlelo ezimbili ezingenhla i-2.5% (kuze kufike ku-75%). Isibonelo, umuntu owafaka umsebenzi osebenzayo ngaphambi komhla ka-8 Septemba 1980, futhi wasebenzisa iminyaka engu-22 emsebenzini osebenzayo, uzothola amaholo angu-55% ekhokhelwa phansi njengomhlalaphansi noma umholo wokugcina. Umuntu owafaka umsebenzi osebenzayo emva kuka-8 Septemba 1980, futhi esebenze iminyaka engu-22 emsebenzini osebenzayo, uzothola u-55% wezinyanga ezingu-36 eziphakeme kakhulu zokukhokhelwa komsebenzi.
Inothi elibaluleke kakhulu: Isihlinzeko esincane esaziwayo somthetho, sashintshwa ngo-1980, sisho ukuthi uma ungosikhulu esithunyelwe noma ujoyine insizakalo ekhonjisiwe ngaphambili, kumele ube neminyaka engama-10 yenkonzo ekhishiwe yokuthatha umhlalaphansi esikhundleni sakho esinikeziwe. Uma uneminyaka engaphansi kwengu-10 yenkonzo ethunyelwe, futhi ngokuzithandela uthathe umhlalaphansi, uthatha umhlalaphansi esikhundleni sakho, futhi kuphela izinyanga ezingu-36 eziphezulu zokusebenza okubhalwe phansi okubhalwe phansi kokubhaliswa komhlalaphansi. UNobhala Wesevisi angazikholelwa lokhu eminyakeni eyi-8. Qaphela: Isiphathimandla sokuyeka isikhalazo siphelelwa yisikhathi ngoDisemba 31, 2001.
Kuphela uma kwenzeka izinto zingavumelani ngokwanele, kunesimiso sesithathu sokuthatha umhlalaphansi kubantu abajoyine isosha noma ngemuva kuka-Agasti 1, 1986.
Laba bantu kudingeka ukuba benze isinqumo esikhwameni seminyaka engu-15 somsebenzi wabo. Bangakhetha ukuhlanganyela ohlelweni olufanayo lomhlalaphansi ngenhla, noma bangakhetha ukuthola ibhonasi yezimali esheshayo ($ 30,000), bese ukhetha uhlelo "REDUX".
Uma bekhetha isimiso se- "REDUX", I-factor isinqunywe ngokuthatha izikhathi ezingu-2 ½ zamaphesenti iminyaka yakho yenkonzo bese yehlisa leso sici ngamaphesenti angu-1 amaphuzu ngonyaka ngamunye ngaphansi kweminyaka engama-30. Ukusebenzisa izibonelo ezifanayo, njengoba ngenhla, umuntu oneminyaka engu-22 yomsebenzi osebenzayo uzoba umhlalaphansi kuma-47% wezinga eliphezulu lokukhokhela izinyanga ezingu-36. I-"REDUX" iphelela eneminyaka engu-62 ubudala, futhi lowo muntu uqala ukuthola umholo wakhe "ojwayelekile" wokuthatha umhlalaphansi.
Ukwengeza, abantu abakhetha "i-REDUX" bayoba nezindleko zabo zonyaka zokukhokhela izibonelelo zokuphila ezinciphise ngamaphesenti angu-1. Lapho uneminyaka engama-62, lawo maphuzu amaphesenti ayengezwa emuva kokukhokhelwa umhlalaphansi, noma kunjalo.
Kuzo zonke izinhlelo, iminyaka yokusebenza ihlanganisa isikweletu ngenyanga ngayinye yokusebenza njengomunye-weshumi nambili wonyaka. "Iminyaka yokusebenza" yezikhulu zibandakanya yonke imisebenzi esebenzayo, izinkathi zesevisi yokugcina imisebenzi engasebenzi ngaphambi kukaJuni 1, 1958, isikhathi sokusebenza se-ROTC ngaphambi kuka-Okthoba 13, 1964, isikhungo esisebenzayo sekhredithi yezokwelapha nama-Dental Corps, kanye nezinsimbi ezenziwe ngesikhathi indawo yokusebenza engapheli emva kukaMeyi 31, 1958. "Iminyaka eminingi yokusebenza" yamaFreet Reservists nayo yonke imisebenzi yokuthatha umhlalaphansi ehlanganisiwe ibandakanya yonke imisebenzi esebenzayo, umsebenzi osebenzayo wokuqeqeshwa owenziwe emva kuka-Agasti 9, 1956, noma iyiphi insizakalo eyakhayo etholakale ekubhaleni okuncane noma okwesikhashana okuqedile ngaphambi kukaDisemba 31,1977, futhi kufaka phakathi ukuqhutshwa okwenziwe ngenkathi ku-Active Reserves.
Ukukudibanisa kancane, ikhokhelo lakho lizobalwa ngokuvumelana nezinhlinzeko zoMngqungquthela weNqabayokulinda uma kusebenza esimweni sakho. I-Tower Amendment yenziwa ukuze kuqinisekiswe ukuthi ngeke uthole imali encane yomholo okhokhelwa umhlalaphansi ongayithola uma ngabe uthathe umhlalaphansi ngosuku oludlule, ngenxa yokulungiswa kokukhokhela izindleko zokuhlala (COL) zokuthatha umhlalaphansi. Esikhathini esidlule, kuye kwaba nezikhathi lapho i-COL yokuthatha umhlalaphansi idlulile ngaphezu kokuphakanyiswa kwemali yaminyaka yonke, okuyobe sekuholele ekukhokheni okunye, ngabe ilungu lithathe umhlalaphansi ngaphambi kosuku lwe-COL. Idethi yokufaneleka yokuvakasha ivame ukuba ngosuku ngaphambi komhla osebenzayo wokunyuswa komsebenzi osebenzayo. Inkokhelo yombhoshongo ibalwa ngokuthi isebenzise izinga lokukhokhwa komsebenzi osebenzayo ngalolo suku, izinga / izinga lakho ngalolo suku, insizakalo yenani eliphelele elondolozwe ngalolo suku, futhi zonke izindleko zokuphila ezikhulayo ziyanda.
Isibonelo, uthatha ilungu esitelekeni se-E-8 ngeminyaka engu-22, insizakalo yezinyanga ezingu-7 ngoJuni 30, 2000. Inkokhelo yelungu izobalwa kanje:
- 2/2% x 22.58 iminyaka = 56.45%. 56.45% x $ 3,119.40 (Januwari 1, 2000, isilinganiso esisebenzayo se-E-8 engaphezu kwengu-22 yrs) = $ 1,760.90 = $ 1,760.00
Njengoba i-E-8 yayifanele ukuhlala umhlalaphansi ngoDisemba 31, 1999, i-DFAS nayo izoba nomthelela njengelungelo lolo suku.
I-E-8 ineminyaka engu-22, insizakalo yezinyanga ezingu-1 kusukela ngo-December 31, 1999. Inkokhelo izobalwa kanje:
- I-2 1/2% x 22.08 = 55.20% 55.20% x $ 2,976.60 (1/1/99 isilinganiso somsebenzi osebenzayo we-E-8 engaphezu kwengu-21 yrs) = $ 1,643.00 + 2% (COL Khulisa) = $ 1675.00
Ngakho-ke, kulokhu, lokhu kuhoxiswa kuyothola inkokhelo yenyanga yokugcina imali engu-R179.00.00 kusukela ekusetshenzisweni kwe-Tower Amendment akuyona into enenzuzo ngaphezu kokulinganisa kwamanje.
Ngolwazi kuphela, ngomthetho, yonke inkokhelo yokuthatha umhlalaphansi wezempi inqatshelwe kudola elikude.
Ukukhubazeka Umhlalaphansi
Uma utholakale ukuthi awufanelekile ukwenza imisebenzi yezempi eyengeziwe futhi uhlangabezane nezimiso ezithile ezichazwe ngumthetho, uzonikezwa umhlalaphansi wokukhubazeka.
Amalungu aseMpi aneminyaka engu-20 noma ngaphezulu yokusebenza (umsebenzi wokuthatha umhlalaphansi ofanelekile) angahlala emsebenzini, kungakhathaliseki ukuthi yiliphi izinga lokukhubazeka, uma atholakala engafanelekile futhi esuswe enkonzweni ngenxa yokukhubazeka ngokomzimba. Abantu abaneminyaka engaphansi kwengu-20 yenkonzo esebenzayo ngenkathi basuswa enkonzweni ngenxa yokukhubazeka ngokomzimba bangase bahlukaniswe noma baphume umhlalaphansi, ngokusekelwe kulokhu okulandelayo:
Uma unokukhubazeka okulinganiselwe uhlelo lokuhlola ukukhubazeka kwabasemaphandleni ngo-20% noma ngaphansi, ungakhishwa (okungenzeka kube nokukhokhelwa kokukhipha imali, ngaphandle uma isimo sisekhona ngaphambi kwenkonzo futhi asizange senziwe ngokugcwele ngesevisi noma ukungalungile kuhilelekile) . Labo abahlukaniswe ukukhubazeka bangase bafaneleke isinxephezelo sokukhubazeka nyangazonke kusuka ku-Veterans Administration (VA).
Uma isimo sibalwa noma ngaphezulu kwama-30%, kanti nezinye izimo zihlangene, uzoba umhlalaphansi othatha umhlalaphansi.
Umhlalaphansi wakho wokukhubazeka ungase ube yesikhashana noma unomphela . Uma isikhashana, isimo sakho kufanele sixazululwe zingakapheli iminyaka emihlanu.
Inani lemali yakho yokukhokhela umhlalaphansi ekhubazekile inqunywa enye yezindlela ezintathu:
- Indlela yokuqala ukukwandisa i-multiplier yakho ngokukhokhwa kwesisekelo sakho noma isilinganiso sezinyanga ezingu-36 eziphakeme kakhulu zomsebenzi okhokhelwayo ngesikhathi sokuthatha umhlalaphansi ngephesenti yokukhubazeka esinikezwe. Kodwa-ke, amaphesenti amancane okuthatha umhlalaphansi okwesikhashana azoba ngu-50%. Amaphesenti amaningi kunoma yiluphi uhlobo lomhlalaphansi ngu-75%.
- Indlela yesibili ukwandisa iminyaka yakho yokusebenza okusebenzayo ngesikhathi sokuthatha umhlalaphansi ngu-2.5% ngokukhokha okuyisisekelo sakho noma isilinganiso sezinyanga ezingu-36 eziphakeme kakhulu zokukhokhelwa komsebenzi ngesikhathi sokuthatha umhlalaphansi.
- Indlela yesithathu isebenza kuwe uma ufanelekile ukuba uthathe umhlalaphansi / udlulisele ngaphansi kwanoma yimuphi omunye umthetho. I-DFAS izobala izimvume zakho besebenzisa izindlela zombili ezingenhla, futhi isebenzise leyo eholela emalini amaningi okukhokhela umhlalaphansi. Uma ufisa ukuthi enye indlela isetshenziswe, ungacela (ngokubhala) ukuthi enye indlela isetshenziswe.
Umehluko phakathi kokukhubazeka okwesikhashana nokuhlala unomphela ukuzinza kwesimo sezokwelapha. Uma isimo sakho singathathwa "siphelile" yi-PEB, bazokuphakamisa ukuthi ufake ku-TDRL (uhlu lokuthatha umhlalaphansi lokukhubazeka okwesikhashana). Uma ku-TDRL, ungaphansi kokubuyekezwa kabusha njalo ezinyangeni ezingu-18 futhi unqunyelwe iminyaka engu-5 max ku-TDRL. Ekupheleni konyaka we-5, uma kungekudala ngesikhathi sokuvuselela, ususwa ku-TDRL futhi noma kutholakala kufanelekile; umhlalaphansi unomphela, noma uhanjiswe ngokukhokha okukhethiwe.
Uma ngomhla ka-24 Septhemba 1975, ube yilungu le-Armed Force noma ube ngaphansi kokuzibophezela okubhaliwe okubophezela ukuba ube ilungu futhi ukhululiwe / uthathe umhlalaphansi ngenxa yokukhubazeka yi-MILITARY yokuhlola ukukhubazeka (hhayi i-VA), inkokhelo yakho yokuthatha umhlalaphansi kungenzeka hhayi intela. Uma kungenjalo, ngenxa yomhlalaphansi ongenayo intela, kuzodingeka ube nokukhubazeka okuhlobene nokulwa. Uma uhamba ngesistimu yokuhlola ukukhubazeka kwe-VA futhi ikunikeze isinxephezelo sokukhubazeka, esingeke sikhokhiswe intela, kungakhathaliseki ukuthi ukhona yini enkonzweni ngomhla ka-24 Septhemba 75.
UkuPhathwa Kwezokukhubazeka kwabakwa-Veterans (VA)
Musa ukudibanisa VA Ukukhubazeka Ukukhubazeka nge Pay Military Ukukhubazeka Pay. Ziyizilwane ezimbili ezihlukene. I-VA isebenzisa amazinga ahluke ngokuphelele ekunqumeni ukukhubazeka okuxhunywe ngensizakalo kunokuba ukusetshenziswa kwezempi kuhlelo lokuthatha umhlalaphansi lokukhubazeka.
Wonke amalungu ashiya umhlalaphansi abakholelwa ukuthi banokukhubazeka okuxhunywe ngensizakalo angafaka izicelo ze-VA ngaphambi kokuthatha umhlalaphansi. (Kwezinye izimo, ngaphambi kokuthatha umhlalaphansi, amahhovisi ezempi angakusiza ukuba ufake isicelo). Uma uvumelekile, ukukhubazeka okuxhunyiwe nge-service kusungulwa. Ngesikhathi udinga ukuyeka inkokhelo yezempi yomhlalaphansi ngenani elilinganiselwa ku-$ 1 kuya ku-1 ukuze uthole i-VA yokukhubazeka, izinzuzo ezilandelayo zikhuphuka ngenxa ye-VA isinxephezelo:
- VA isinxephezelo asinakuxolisa
- Ukukhubazeka okuvunyelwe yi-VA kukunika imvume yokungena ezibhedlela ze-VA zokwelapha ngokukhubazeka kwakho
- Izakhiwo ze-VA ezingaphandle zikhona zokwelapha ukukhubazeka kwakho
- Uma ufa ngenxa yokukhubazeka okuxhunywe ngensizakalo, oshade naye osaphila uyakufanelekela ukuxhaswa kweDemence and Indemnity Compensation (DIC) evela ku-VA
- Ngisho nokulinganisa ngu-VA ka-0% (nakuba kungenayo inzuzo yemali) kubhala isimo sakho somzimba njengokuxhumeka kwensizakalo.
- Ukulinganisa ngu-VA okungu-30% noma ngaphezulu kukuvumela ukuba uthole izimali ezingaphezulu zentela ezixhaswe ngabathengi bakho.
- Izindleko zokuphila zonyaka zenyusa inani lakho lesinxephezelo.
- Iphesenti le-VA yokukhubazeka (kanye ne-VA isinxephezelo) inganyuswa, ngokusekelwe kwesicelo nokuvunyelwa kokuvuselelwa kabusha, okwenza kube nesinxephezelo esingekho intela.
- Ikhono lokuthenga kuze kufike ku-$ 10,000 ku-National Service Life Insurance ngaphandle kokuhlolwa ngokomzimba. Uma unikezwa isinxephezelo se-VA, inani eliphelele lemali isinxephezelo linqunywe kumholo wakho osemhlalaphansi.
I-VA iyeluleka i-DFAS - Cleveland Centre yazo zonke izinguquko ku-VA imali yesinxephezelo. Kodwa-ke, uma inani le-VA yakho isinxephezelo lingavumelani nesamba esithathwe kumholo wakho wokukhokha umhlalaphansi, kufanele usheshe wazise iDFAS - Cleveland Centre kanye ne-VA ukuxazulula ukungafani.
OKUBALULEKILE: Umhloli Wezinkampani Ezijwayelekile uqinisekise ukuthi uzobe unomthwalo wemfanelo kunoma yikuphi ukukhokhelwa ngokweqile ngisho noma kungumphumela wephutha lokuphatha.
Ukuvuselelwa Okukhethekile Kokukhubazeka Okukhulu
Ngaphansi komthetho omusha omusha, abanye abahlala emakhaya abakhubazekile abanesisindo sokukhubazeka njengoba kubikwa uMnyango Wezilwane (VA) banelungelo lokuthola isinxephezelo esikhethekile. Isinxephezelo esikhethekile sikhokhwa ngaleyo nyanga ngokulandela isimiso esilandelayo:
- 70% noma 80% = $ 100.00
- 90% = $ 200.00
- I-100% = $ 300.00
Kufanele uhlangabezane nalezi zidingo ezilandelayo ukuze uthole ilungelo lokuthola isinxephezelo esikhethekile sokukhubazeka kakhulu:
- Awuwususwe umhlalaphansi empini ngenxa yokukhubazeka.
- Usesimweni sokuthatha umhlalaphansi nasemishadini yokukhokhela umhlalaphansi. Amalungu akhumbula izinsuku ezingaphezu kwezingu-30 emsebenzini osebenzayo awasekho emhlalaphansi.
- Uneminyaka engu-20 noma ngaphezulu yenkonzo ngenjongo yokusebenzisa ikhodi yokuthatha umhlalaphansi. I-reservist kumele ibe namaphoyinti angu-7 200 noma ngaphezulu ukuze afaneleke.
- Isilinganiso se-VA sokukhubazeka kwe-m70% noma ngaphezulu kumele sinikezwe eminyakeni engama-4 yomhlalaphansi.
- Isilinganiso se-VA kufanele sibe ngu-70% noma ngaphezulu ngenyanga ngayinye. Uma ukulinganisa kuwela ngaphansi kuka-70% noma yimuphi inyanga enikeziwe, khona-ke umhlalaphansi awunelungelo lokuthola isinxephezelo esikhethekile saleyo nyanga.
Lapho / Indlela Okhokhelwa ngayo
Ngokungafani nenkokhelo yomsebenzi osebenzayo, inkokhelo yokuthatha umhlalaphansi / yokugcina imali ikhokhwa kanye kuphela ngenyanga. Inkokhelo yakho yokuthatha umhlalaphansi / yokugcina impahla kumele ithunyelwe esikhungweni sakho sezimali yi-Direct Deposit ngaphandle uma uhlala kwelinye izwe, okuyinto i-Direct Deposit ayitholakali. Umholo wakho osemhlalaphansi uzofakwa kwi-akhawunti yakho ngosuku lokuqala lwebhizinisi lwenyanga elandela ukuphela kwenyanga.
Ukukhokhwa kwakho kokuqala kweholo lomhlalaphansi ngokujwayelekile kuzofika izinsuku ezingu-30 ngemuva kokukhululwa emsebenzini osebenzayo, noma, ngosuku lokuqala lwebhizinisi lwenyanga elandela inyanga yokuqala yokukhokha. E-imeyli ehlukile, uzothola incwadi ezokukhombisa ukuthi ukhokhelwa kanjani. Lokhu kuzobandakanya ukukhishwa kwakho kwe-SBP, intela yentela / yombuso yentela, kanye nezinkokhelo.
Ngemuva kokuthatha umhlalaphansi, kuzodingeka uzise i-Defence Finance & Accounting Service (DFAS) noma nini lapho ushintsha isikhungo sakho sezimali. Ungavali i-akhawunti yakho yasebhange yakudala uze uthole idiphozithi yokuqala esikhungweni esisha sezimali.
Ukuqashwa kwamanye amazwe
Noma yimuphi umfakisicelo owemukela umsebenzi nohulumeni wangaphandle ngaphandle kokuvunywa kufanele abe nenkokhelo noma imali ekhokhelwa umhlalaphansi egcinwe isikhathi sokuqashwa okungagunyaziwe.
Uma uthatha umhlalaphansi futhi ucabanga ngokuqashwa nguhulumeni wesinye isizwe, kumele uthole imvume evela kuNobhala wenkonzo ethintekayo kanye noNobhala kaHulumeni. Ukuze uthole olunye ulwazi xhumana:
- I-Navy - Ihhovisi likaMmeli Jikelele, 200 Stovall Street, Alexandria, VA 22332-2100.
- Air Force - HQ AFMPC / DPMARR3, 550 C Street West, Suite 11, Randolph AFB TX 78150-4713.
- I-Marine - i- HQMC (i-MMSR-6), i-2 Navy Annex, i-Washington, DC 20380-1775 noma shayela ku-1-800-336-4629 uma kunemibuzo.
- I-Army - US Army Reserve Personnel Command, Attn: ARPC-SFR-SCI, 1 Reserve Way, St. Louis, MO 63132-5200.
I-Federal Civil Service Umhlalaphansi
Uma uthatha umhlalaphansi empini futhi uthatha umhlalaphansi / uthatha umhlalaphansi evela ku-Federal Civil Service , ungakhetha ukukhokhela umholo wakho wokuthatha umhlalaphansi ukuze ufake insizakalo yakho yempi ekubalweni kwemali yakho yokusebenza. (Yikuthi, kuye ngokuthi izimo zingaba kanjani ngokwezimali). Kodwa-ke, kubahlali abahlala emhlalaphansi, lokhu kuyiqiniso kuphela uma uneminyaka yokuthatha umhlalaphansi emsebenzini noma umhlalaphansi. Uma uneminyaka yobudala ehlala umhlalaphansi (uneminyaka engu-60) khona-ke akukho ukuhoxiswa noma ukuyeka (i-technical "loophole" emthethweni). Uma ukhetha ukwenza kanjalo, udinga ukwazisa i-DFAS, ngokubhala, okungenani izinsuku ezingu-60 ngaphambi kosuku lwakho lomhlalaphansi oluhleliwe. Kunconywa ukuthi uxhumane nehhovisi lakho labasebenzi labangasebenzi ngaphambi kokuhambisa isicelo sakho sokumisa ukuqinisekisa ukuthi uyazi zonke izinketho ezikhona.
Uma ukhetha ukuhlinzekwa kwabasindile kusuka kumsebenzi wakho wokusebenza komphakathi, ukubamba iqhaza kwakho kwezempi SBP kuzomiswa ngenkathi uthola insizakalo yombuso. Uma ufuna ukugcina i-SBP yezempi ungenza kanjalo, kodwa kumele usuke unqatshelwe imali yokusinda ehhovisi le-Office of Personnel Management. Uma inkokhelo yakho incike ekutheni ukuhanjiswa kwenkantolo, kufanele ugunyaze isabelo ngemali elingana nokusabalalisa, ukuze ufake inkonzo yezempi ekubalweni kwenani lezinkampani.
Intela
Ezimweni eziningi, inkokhelo yokuthatha umhlalaphansi iyakhokhwa ngokugcwele. Inani lemali engenayo engenayo liyancishiswa ngezindleko ze-SBP nanoma yikuphi ukukhokhiswa kwe-VA isinxephezelo noma ukukhishwa kwemali yesibambiso emibili (imisebenzi yomphakathi kahulumeni). Isamba esithathwe emalini akho okukhokhwa intela yokugodla federal sisekelwe enani lezinkokhelo ozibonisayo noma ngabe ifomu lakho le-pay yakho noma i-W-4 yakho emva kokuthatha umhlalaphansi.
Ukushintsha isimo sakho sokukhokhisa intela noma ukucela imali eyengeziwe yokubamba ngemuva kokuthatha umhlalaphansi:
- Kumelwe uthumele ifomu le-IRS W-4 ku-DFAS - eCleveland Centre.
- Sebenzisa i-Employee Member Self Self (Bheka i-DFAS Web Site)
- Abaqashi be-Air Force bangavakashela iHhovisi lezeMisebenzi yezezezimali noma i-Air Force Base ukuze bashintshe ulwazi lwabo lwe-Federal Income Tax Holdings. Amanye ama-Detachments Support Support (PSDs) kanye namahhovisi e-Army Retirement Service (RSOs) anikezela le nsizakalo.
Izinkokhelo zokuthatha umhlalaphansi zokukhubazeka ( hhayi i-VIV yokukhubazeka ) zikhokhwa kulabo malungu abanomsebenzi wenkonzo yezempi emva kukaSeptemba 24, 1975, noma abesebenza ngaphambi kwalolu suku kodwa bebengasebenzi empini noma ngokuzibophezela okubhaliwe ukuba babe yilungu imisebenzi ehlomile ngoSeptemba 24, 1975.
Izinkokhelo zokuthatha umhlalaphansi ezikhubazekile zingenakulinganiswa nalabo malungu enkonzweni yempi noma ngaphansi kokuzibophezela okubhalwe phansi okubophezela ukuba babe yilungu lezinsizakalo ezihlomile ngoSeptemba 24, 1975, noma amalunga omhlalaphansi wabo okhubazekile abhekwa njengama-combat, kungakhathaliseki ukuthi basebenzela empini.
Uma umhlalaphansi wakho wokukhubazeka ubalwa ngokwendlela yesibili (Bheka ngenhla), kuphela leyo ngxenye yenkokhelo yakho eyobe yamukelwe ngaphansi kwephesenti langempela lokubala ukukhubazeka ayikho into engenakulinganiswa Inani lemali engenayo engenayo lingabuye lancishiswe yiziphi izindleko ze-SBP futhi ukukhishwa kwemali yesibambiso emibili (imisebenzi yomphakathi).
Uma umhlalaphansi wakho wokukhubazeka uhlobene nokulwa, awuhambisani nezinhlinzeko zempesheni ezimbili. Uma, ngemva kokuthatha umhlalaphansi, ulahlekelwa yingxenye yesikweletu sakho ngenxa yesinxephezelo se-VA, imali yakho engenayo eyokhokhiswa iyonciphisa inani le-VA isinxephezelo noma inani lepesenti yokubala ukukhubazeka, noma yikuphi okukhulu.
Inkokhelo yentela kahulumeni isesimweni sokuzithandela futhi kufanele ibe ngama dollar amaningi. US $ 10.00 yisilinganiso esincane senyanga. Ngaphambi kokwenza isicelo sakho ngokubhaliwe, kufanele uxhumane negunya lokukhokhisa esifundazweni oye wasungula indawo yokuhlala ukuze ubone ukuthi kudingeka yini ukhokhe intela yentela kahulumeni.
Uma ungumhlalaphansi we-Air Force, iHhovisi lezeMali zeNdawo zezeMali e-Air Force Base. Amanye ama-Detachments Support Support (PSDs) kanye namahhovisi e-Army Retirement Service (RSOs) angalungisa imininingwane yakho yokubamba imali yentela. Abasebenzi beNavy kufanele bahlole i-PSD yabo yendawo ukuze babone ukuthi le nsizakalo iyatholakala yini.
Ukukhokha umhlalaphansi / okugcinwa umhlalaphansi akuhambisani nokuncishiswa kwe-FICA (Social Security), futhi inkokhelo yakho yokuthatha umhlalaphansi incishisiwe uma unelungelo lokukhokha inhlalakahle yomphakathi.
Ukuhlobisa / Ukugodla
Ngokungafani nokukhokhwa komsebenzi osebenzayo, inkokhelo yezempi yokuthatha umhlalaphansi / yokugcina imali ayikwazi ukugcinwa izikweleti zentengiso (isib. Amakhadi esikweletu, ukubolekwa kwemoto, njll.) Umholo wokuthatha umhlalaphansi wezempi ungahle uhlolwe ukukhokhelwa umhlalaphansi, ukusekelwa kwengane, izimali ezikhokhelwa i-IRS, nezikweleti ezikhokhelwa uhulumeni (okungukuthi imali yokubolekwa kwabafundi, ukuhlukunyezwa kwePX / BX okukhokhelwe ukukhokha, izikhulu zokukhokha ze-Officer / NCO Club, njll)
Ukwengeza, ngaphansi kwezinhlinzeko zoMnyango Wezokuvikela Wokungavunyelwa Umuntu (USFSPA) , izinkantolo zombuso * zingase ziphathe umholo wokuthatha umhlalaphansi njengempahla ehlangene phakathi kwelungu kanye nomlingani ngesikhathi sokuqhafaza.
Ukuxhumana ne-DFAS
Uma usuhlala umhlalaphansi, kubalulekile ukuthi ugcine i-DFAS yaziswa nganoma yiziphi izinguquko ku-akhawunti yakho. Inombolo engenamkhawulo. Inombolo yamahhala engase isetshenziselwe noma yiziphi izingcingo ezenziwe ngaphakathi kwe-Continental United States, kufaka phakathi i-Alaska ne-Hawaii yi-1-800-321-1080. Inombolo yezohwebo zezingcingo ezenziwe ngaphandle kwalezi zindawo (216) 522-5955 noma i-DSN 580-5955. Yonke imigqa yocingo ifakwa ngoMsombuluko kuya ngoLwesihlanu kusukela ngo-7: 00 ekuseni - 7:30 pm, Isikhathi saseMpumalanga. Izinombolo ezingenhla zingasetshenziswa imibuzo ejwayelekile mayelana ne-akhawunti yakho kanye nezaziso ezifana nokushintsha kwekheli. Kufanele usayine izicelo ezifaka ushintsho lwemali. Ngakho-ke, lolu hlobo lokushintsha alukwazi ukuphathwa ngefoni. Uma ushintsho lwemali luzovimbela ukukhokhelwa ngokweqile kuwe, okungafani kuzokwenziwa kulo mthetho.
Ikheli lekheli le-DFAS. Ikheli okufanele lisetshenziselwe izicelo zezinguquko zemali yilo:
Imali Yezokuvikela Nokusebenza Kwezinkokhelo, I-Cleveland Centre Yokukhokhela Imali Ekhokhelwa Umhlalaphansi (i-Code PPR), PO Box 99191, Cleveland OH 44199-1126 6.
Ungaphinde uvakashele iwebhusayithi ye-DFAS ku-http: //www.dfas.mil