Zvichienderana nerugwaro rwekuverenga, rondedzera muchidimbu kuti mari yemubhadharo wemwedzi wega wega wechengetedzo yevanhu inoverengwa sei.
Context:Kuverengwa kweChikamu Chekutanga cheInishuwarenzi uye Chikamu cheMwedzi weMwedzi Nyaya huru: Primary Insurance Amount Vashandi veSocial Security vanobhadhara mitero yeFICA (Federal Insurance Contributions Act) kana kuti SECA (Self Employed Contributions Act) uye vanowana zvikamu zvina zvebasa kana mari yavanowana iri pamusoro pemari shoma dzinotsanangurwa mumutemo. Vashandi vane 40 quarter of coverage (QC) vane "inishuwarenzi yakakwana" uye vanokodzera kubhadhara mari yepenjeni. Mari yepenjeni inotsamira paavhareji yemakore 35 akakwirira zvikuru omunhu wacho emari "yakagadziridzwa" kana kuti "yakanyorwa". Mari yomunhu inobhadharwa pamubhadharo yemakore apfuura inochinjwa kuti ienzane nemari inobhadharwa munzanga yose, pachishandiswa avhareji yemubhadharo wenyika (AWI), uye inobva yaenzanisirwa. Kana mushandi ane makore asingasviki 35 emari yaanowana, makore aya asingabhadharwi mubhadharo anopiwa mari isingabhadharwi. Chiverengero chemakore 35 epamusoro-soro emibairo yakagadziridzwa kana yakarongedzwa yakakamurwa ne420 (makore 35 kakawanda nemwedzi 12 pagore) inogadzira Avhareji yeMwedzi Wemari Yakarongedzwa yemunhu kana kuti AIME.  AIME inobva yashandiswa kuverenga Primary Insurance Amount kana kuti PIA. Nokuda kwevashandi vanosvitsa makore 62 muna 2021, nzira yokuronga PIA ndeiyi:  (a) 90 muzana yemadhora 996 okutanga emari yaunowana pamwedzi, pamwe chete  (b) 32 muzana yeavhareji yemari inowanwa pamwedzi pakati pe$996 ne$6,002, pamwe chete  (c) 15 muzana yeavhareji yemari inowanwa pamwedzi inopfuura $6.002  Nokuda kwavashandi vanosvitsa makore 62 munguva yemberi, zvikamu zve90, 32, uye 15 muzana zviri mufomura yokurangarira zvicharamba zvakafanana asi mari yemadhora iri mufomura yacho (inonzi ma bend points) ichawedzera nokukura kwemitero muupfumi hwenyika, sezvinoyerwa neAWI. Nemhaka yokuti AIME nePIA kuverenga kunobatanidza AWI, betsero dzeSocial Security dzinonzi dzakarongwa mubhadharo. Nemhaka yokuti mibairo inowanzokura nokukurumidza kupfuura mitengo, PIAs yevashandi vanopedza makore 62 munguva yemberi ichava yakakwirira mumashoko chaiwo asi yakafanana yakaenzana neavhareji yemari mune zveupfumi panguva iyo makore 62 anowanikwa.  Mari yemwedzi nemwedzi inobva paPIA. Kana PIA yangoverengerwa, inonyorwa nokuda kwokuwedzera kwemitengo munguva. Nokudaro, mari yebetsero yeSocial Security yemwedzi nomwedzi inochengeta simba rayo rokutenga mumakore ose okuenda pamudyandigere kwomunhu.  Mushandi anotanga kugamuchira rubatsiro rwemudyandigere pazera rose rokurega basa anogamuchira mari yemubhadharo yemwedzi nemwedzi yakaenzana ne100 muzana yePIA. Mushandi anokumbira mari yemudyandigere asati asvika pazera rekutora mudyandigere anogamuchira mari yemudyandigere yakaderedzwa pamwedzi uye mushandi anokumbira mari yemudyandigere paanenge asvika pazera rekutora mudyandigere (kusvika pazera remakore 70) anogamuchira mari yemudyandigere yakawedzerwa pamwedzi.  Zvikamu zve90, 32, uye 15 muzana mukuverenga kwePIA zvinotungamirira kumwero mukuru wokutsiva nokuda kwavanhu vane mari shoma yebasa. Somuenzaniso, munhu akarega basa ane avhareji yemari yaanowana iri pasi pechikamu chokutanga chokubva pamudyandigere anogona kupiwa mari yemwedzi nomwedzi paanosvika zera rokurega basa rakazara yakaenzana ne90 muzana yeavhareji yemari yaanowana pamwedzi asati aenda pamudyandigere. Tafura inoratidza mwero wokutsiva kwevashandi vakashandura makore 62 muna 2013.  Nzira yokuronga nayo PIA yevashandi vakaremara yakafanana neyevashandi vakasiya basa kunze kweAIME yakavakirwa pamakore mashomanana kuti iratidze kuremara pamberi pemakore 62. Mari yebetsero yemwedzi nemwedzi yomushandi akaremara ndeye 100 muzana yePIA.  Kubatsirwa kwevakaroorana, vana, uye chirikadzi kunotsamira paPIA yomukwanyina kana kuti mukwanyina akafa. Vanobetserwa nomukwanyina akwegura nomukwanyina akarambana vanogona kugamuchira kusvika ku 50 muzana yePIA. Mitero yokubetserwa kwomuraramire yakakwirira uye chirikadzi dzakwegura uye vakwegura vakaroorana vakarambana vapenyu vanogona kugamuchira 100 muzana yePIA.  Vashandi vehurumende, vemunyika uye vemunharaunda vakasarudza (pavaigona) KUSHAYA kubhadhara mitero yeFICA vanokodzera kubatsirwa kwakaderedzwa kweFICA uye kufukidzwa kwakazara kweMedicare kana vaine anopfuura zvikamu makumi mana kubva muzvitatu zvebasa rinokodzera reSocial Security rakafukidzwa. Kuti kuderedze kubhadharwa kweSocial Security kune avo vasina kubhadhara kuFICA kwemakore 35+ uye vanokodzera kubatsirwa kwehurumende, yenyika uye yemunharaunda, iyo inowanzova norupo zvikuru, Congress yakapfuura Windfall Elimination Provision, WEP. Gadziriro yeWEP haizobvisi kodzero dzose dzeSocial Security kana kuti Medicare kana mushandi ane zvikamu 40 zvemari inokodzera, asi inotarisa kubhadharwa kwebetsero nokuderedza 90% multiplier muPIA yokutanga kusvika ku40<unk>85% zvichienderana nehuwandu hweMakore Okufukidzwa. Pension yokumwe inodzorwa neWEP.  Kubetserwa kwakasarudzika, kwakavakirwa pane kumwe kuverengwa kwePIA, kunowanikwa kune vamwe vashandi vane mabasa akareba asi mari shoma. Zvisinei, kashoma kuti ive yakakwirira kupfuura PIA inoverengwa nguva dzose uye nokudaro vashandi vashomanana vanokodzera kuwana rubatsiro rwakakosha. Vanhu 32 000 chete ndivo vakagamuchira mari iyi muna 2019.  Betsero idzo mumwe munhu anokodzera kugamuchira dzinogona kuva dzakaoma kunzwisisa zvokuti vanochengeta mudyandigere vanofanira kubvunza Social Security Administration zvakananga nokuda kwezano. Mibvunzo mizhinji inokurukurwa uye inenge yakapindurwa zvishoma nezvishoma mumabhuku akawanda ari paIndaneti uye pamakombiyuta.
Mari yebhenefiti yemwedzi nemwedzi yechengetedzo yezvemagariro inotarwa nekusarudza makore 35 epamusoro emubhadharo wemunhu we"index". Chiverengero chemakore 35 akakwirira zvikurusa emari inowanwa ne"index" chinoparadzaniswa ne420, iyo iri nhamba yemwedzi mumakore 35, kuti uwane avhareji yemari inowanwa nomunhu pamwedzi, iyo inonzi AIME. Kamwe AIME yomunhu mumwe nomumwe yave yakatarwa, fomu yokurava rubatsiro rwemwedzi mumwe nomumwe ndeinotevera: - 90 muzana yemadhora 996 okutanga eAIME, pamwe chete - 32 muzana yeAIME pakati pe$996 ne$6,002, pamwe chete - 15 muzana yeAIME inopfuura $6.002