Uyini umehluko phakathi kwe-FERS ne-CSRS?

by Michael Roberts

I-CSRS iyaqedwa

Uhulumeni wase-United States ugcina izinhlelo ezimbili zokuthatha umhlalaphansi kubasebenzi babo-uhlelo lweSederal Employees Retirement System kanye noMnyango WezeMhlalaphansi Wezenhlalakahle. Izinhlelo zokuthatha umhlalaphansi zivamile kuwo wonke amazinga kahulumeni. Abasebenzi, futhi ngokuvamile abaqashi bafaka imali emalini yomhlalaphansi abasebenzi, futhi abahlala emakhaya bahola imali engenayo ngenyanga.

Kukhona umehluko ophawulekayo phakathi kwezinhlelo ezimbili zokuthatha umhlalaphansi kubasebenzi bakahulumeni baseburhulumenteni.

Ubani Ongakulungeka?

Bonke abasebenzi basezintlangeni banenketho yokuguqula kusuka kuma-CSRS kuya ku-FERS uma ama-FERS adalwa ngo-1987. Manje, bonke abasebenzi basefesheni bajoyine ngokuzenzakalelayo ku-FERS futhi abanakho ukhetho lokukhetha i-CSRS esikhundleni. I-CSRS itholakale kuphela kubasebenzi basezombusazwe ababehlelweni ngaphambi kuka-1987 futhi abakhetha ukuhlala ne-CSRS esikhundleni sokushintshela ku-FERS.

I-One Component Vs. Izingxenye ezintathu

I-CSRS yaqala ngoJanuwari 1, 1920 futhi isicwangciso somhlalaphansi esifana nalabo abasungulwe ngesikhathi esifanayo phakathi kwezinyunyana zabasebenzi nezinkampani ezinkulu. Abasebenzi banikeze iphesenti ethile yokukhokha kwabo. Babelindele ukuthi bangenele uma behlala umhlalaphansi okwanele ukugcina izinga lokuphila elifana nelokho ababhekana nakho phakathi neminyaka yabo yokusebenza.

I-FERS iqale ngoJanuwari 1, 1987 futhi ihloselwe ukuphumelela ama-CSRS uma abazuzi be-CSRS befa. Esikhundleni sokuthi kuhlanganiswe uhlelo lwempesheni kuphela, isisebenzi se-FERS sinempesheni encane, uhlelo lokulondolozwa kwe-thrift , ne-Social Security ukuze lukhokhele umhlalaphansi wakhe.

Uhlelo lokugcina imali oluhle lufana no-401 (k).

Ubukhulu bezinkokhelo ze-Annuity

Ngenxa yokuthi ama-FERS anezingxenye ezintathu, lezi zakhi zinikeza abantu abahola umhlalaphansi imali encane ngayinye. Ukukhokhwa kwemali kwabakwa-CSRS kubanjwe ukuba kube yimali yabo kuphela, kuyilapho abakwa-FERS abahola umhlalaphansi benomvuzo, uhlelo lokugcina imali, kanye nezinzuzo zokuvikeleka kwezenhlalakahle.

Imithetho Yezinhlelo Zokulondolozwa Kwezandla

Uhulumeni wase-US unikeza inani elilingana namaphesenti angu-1 e-FERS ngayinye iminikelo yomsebenzi kwi-akhawunti ngayinye ye-akhawunti yabo yokugcina imali. ABAFUNDI bangase banikele ngaphezulu, futhi uhulumeni wase-US uzofanisa lezo zinikelo kuze kube ngamaphesenti athile.

Abasebenzi be-CSRS bangabamba iqhaza ohlelweni lokugcina imali, kepha abatholi imali eyengeziwe kuhulumeni wesifundazwe ngoba abafaki badinga amaphesenti angu-1 ukuba babe nomhlalaphansi oqhathaniswa nabasebenzi be-CSRS.

Ukubamba iqhaza kokuvikeleka komphakathi

Abasebenzi be-CSRS abahlanganyeli ku-Social Security. KUBA abasebenzi benza njengenye yezingxenye ezintathu zezinhlelo zabo zokuthatha umhlalaphansi.

Isamba esithathwe emalini

Abasebenzi be-CSRS banomthelela phakathi kwamaphesenti angu-7 no-9 wemishayo yabo ohlelweni. BAFUNDA abasebenzi basekela inani elilinganayo lapho kutholakala ukuvikeleka kwezenhlalakahle. Abasebenzi baseBrithani baqashiwe ngesikhathi noma ngaphambi kuka-2012 banikele ngamaphesenti angu-8, kanti abasebenzi abaqashiwe ngemuva kuka-2012 banikela ngamaphesenti angu-3.1. Izinga lentela lezokuphepha kwezenhlalakahle, elibizwa ngokuthi i-Old Age, Inshuwalense Nokukhubazeka Kwomshuwalense noma i-OASDI, ngamaphesenti angu-5.3. ABAFUNDI bangabamba iqhaza ngokwengeziwe ngokusebenzisa uhlelo lokugcina imali.

Isikhathi sokuqala sokuthatha umhlalaphansi

Abasebenzi be-CSRS bangase bathathe umhlalaphansi baneminyaka engama-55 ubudala.

KUBA abasebenzi abaqala imisebenzi yabo ngesikhathi noma ngemuva kuka-1970 bangahlala emsebenzini njengabasha njengama-57. Abasebenzi abadala beFERS bangahlala emhlalaphansi ngaphambi kokuqala lapho beqala khona imisebenzi yabo.