Ngokusekelwe embhalweni oyisithenjwa, nikeza isifinyezo sendlela isamba senzuzo yanyanga zonke yezokuphepha komphakathi esibalwa ngayo.
Context:Ukubalwa kwenani lomshwalense oyinhloko kanye nenani lenzuzo yenyanga Isihloko esiyinhloko: Inani Lomshuwalense Eliyinhloko Izisebenzi ezisebenza ngaphansi koMshuwalense Womphakathi zikhokha izintela ze-FICA (Federal Insurance Contributions Act) noma ze-SECA (Self Employed Contributions Act) futhi zithola ikota yokutholakala uma umholo udlula amanani amancane ashiwo emthethweni. Abasebenzi abanesikhathi sokuvikeleka esiyizinyanga ezingu-40 (QC) "banomshuwalense ophelele" futhi banelungelo lokuthola izinzuzo zomhlalaphansi. Izimali zemiholo yomhlalaphansi zixhomeke emholweni womuntu "olungiselelwe" noma "olinganiselwe" weminyaka engu-35. Umholo womuntu obhadalwayo ongaphansi kwentela yeminyaka eyedlule ulungiswa ngokwenyuka kwamaholo emnothweni wonke, kusetshenziswa inkomba yomholo ojwayelekile kazwelonke (AWI), bese kulinganiswa. Uma isisebenzi sineminyaka engaphansi kwengu-35 yemiholo ehlanganisiwe, le minyaka engenayo iminikelo ibalwa njengomholo ongu-zero. Isamba seminyaka engu-35 ephezulu kakhulu yomholo olungiselelwe noma olungiselelwe olungiselelwe olungiselelwe olungiselelwe olungiselelwe olungiselelwe olungiselelwe olungiselelwe olungiselelwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe olwenziwe.  I-AIME isetshenziselwa ukubala inani eliyinhloko lomshwalense noma i-PIA. Abasebenzi abaguqula iminyaka engu-62 ngo-2021, ifomula yokubala i-PIA yile:  (a) Amaphesenti angu - 90 amaRandi angu - 996 okuqala omholo wenyanga olinganisiwe, kanye  (b) Amaphesenti angu-32 omholo wenyanga olinganisiwe ophakathi kuka-$996 no-$6,002, kanye  (c) Amaphesenti angu - 15 omholo wenyanga olinganiselwayo ongaphezu kuka - $6,002  Ngezisebenzi ezizoba neminyaka engu-62 ubudala esikhathini esizayo, amaphesenti angu-90, 32 no-15 kule ndlela yokubala ayohlala efanayo kodwa amanani asezingeni eliphakeme kule ndlela yokubala (abizwa ngokuthi amaphuzu okuguquguquka) ayokwanda ngokwanda kwamaholo emnothweni kazwelonke, njengoba kulinganiswa nge-AWI. Ngenxa yokuthi ukubalwa kwe-AIME ne-PIA kufaka i-AWI, izinzuzo zeSocial Security kuthiwa zikhokhelwa umholo. Ngenxa yokuthi amaholo avame ukukhula ngokushesha kunamanani, ama-PIA abasebenzi abahlanganisa iminyaka engu-62 esikhathini esizayo azovame ukuba phezulu ngokweqiniso kodwa afane ngokuqhathaniswa nomholo ojwayelekile emnothweni ngesikhathi kufinyelelwa eminyakeni engu-62.  Izimali zenyanga zibonelelo zisekelwe ku-PIA. Lapho i-PIA isibaliwe, ihlotshaniswa nokwehla kwamandla emali ngokuhamba kwesikhathi. Ngakho-ke, amanani ezinzuzo zanyanga zonke zoKuphepha Komphakathi agcina amandla awo okuthenga kuyo yonke iminyaka umuntu athatha ngayo umhlalaphansi.  Isisebenzi esiqala ukuthola inzuzo yokuthatha umhlalaphansi lapho sesithathe umhlalaphansi ngokugcwele sithola inzuzo yenyanga elingana namaphesenti angu-100 e-PIA. Isisebenzi esifaka isicelo sesinxephezelo sokuthatha umhlalaphansi ngaphambi kokufinyelela eminyakeni yobudala yokuthatha umhlalaphansi ngokugcwele sithola inani elincishisiwe lesinxephezelo senyanga kanti isisebenzi esifaka isicelo sesinxephezelo sokuthatha umhlalaphansi ngokugcwele (kuze kufike eminyakeni engama-70) sithola inani elinyuswe nyangazonke.  Izici ezingamaphesenti angu-90, 32 no-15 ekubalweni kwe-PIA ziholela emazingeni aphakeme okubuyiselwa kwabantu abahola kancane emsebenzini. Ngokwesibonelo, umuntu osethathe umhlalaphansi onomholo ovamile ongaphansi kwephuzu lokuqala lokuguquguquka angathola inzuzo yenyanga lapho eseneminyaka ephelele yokuthatha umhlalaphansi elingana namaphesenti angu-90 omholo ovamile wenyanga walowo muntu ngaphambi kokuthatha umhlalaphansi. Leli thebula libonisa amazinga okushintshwa kwezisebenzi ezaba neminyaka engu-62 ngo-2013.  Ifomula yokubala ye-PIA yabasebenzi abakhubazekile iyafana naleyo yabasebenzi asebethathe umhlalaphansi ngaphandle kwe-AIME esekelwe eminyakeni embalwa ukubonisa ukukhubazeka ngaphambi kweminyaka engama-62. Inani lenzuzo yenyanga yesisebenzi esikhubazekile lingamaphesenti angu-100 e-PIA.  Izinzuzo zabashadile, izingane nabafelokazi zixhomeke kuma-PIA ashade naye noma ashade naye oshonile. Abangane bomshado asebekhulile nabahlukanisile bangathola amaphesenti afinyelela kwangu-50 e-PIA. Amanani enzuzo yomondli aphakeme futhi abafelokazi asebekhulile kanye nabashadile asebekhulile abahlukanisile bangathola amaphesenti angu-100 e-PIA.  Izisebenzi zikahulumeni, ezikahulumeni nezasendaweni eziye zakhetha (lapho zingakwazi) ukungayikhokhi intela ye-FICA zifanelekela izinzuzo ezincishisiwe ze-FICA kanye nokutholakala okugcwele kwe-Medicare uma zinengxenye engaphezu kwamashumi amane kwezine yomsebenzi ofanelekile we-Social Security. Ukuze kuncishiswe izinkokhelo zokuphepha kwezenhlalakahle kulabo abangazange bafake i-FICA iminyaka engaphezu kwengu-35 futhi abafanelekela izinzuzo zikahulumeni, zombuso nezasendaweni, okuvame ukuba nomusa ngokwengeziwe, iCongress yadlulisa i-Windfall Elimination Provision, i-WEP. Isimiso se-WEP ngeke sisuse konke ukufaneleka koKuphepha Komphakathi noma kweMedicare uma isisebenzi sinengxenye engu-40 yemali engenayo efanelekile, kodwa sibala izinkokhelo zenzuzo ngokunciphisa umlingisi ongu-90% endaweni yokuqala ye-PIA ibe ngu-40<unk>85% kuye ngenani leMinyaka Yokuvikelwa. Izimpesheni zakwamanye amazwe zingaphansi kwe-WEP.  Inzuzo encane ekhethekile, esekelwe ekubalweni kwe-PIA ehlukile, iyatholakala kubasebenzi abathile abanemisebenzi emide kodwa abahola kancane. Kodwa-ke, akuvamile ukuthi ibe ngaphezulu kune-PIA ebalwa njalo futhi ngaleyo ndlela bambalwa abasebenzi abafanelekela ukuthola inzuzo ekhethekile ephansi. Abantu abangu-32 000 kuphela abathola inzuzo encane ekhethekile ngo-2019.  Izinzuzo umuntu anelungelo lokuzithola ziyinkimbinkimbi kangangokuthi abantu abangase bathathe umhlalaphansi kufanele baxhumane ne-Social Security Administration ngokuqondile ukuze bathole iseluleko. Imibuzo eminingi iyaphendulwa futhi okungenani iphendulwe ngokwengxenye ezincwadini eziningi ezikuyi-Internet nasemishinini ebala imali ekuyi-Internet.
Isamba senzuzo yanyanga zonke yomshwalense wezenhlalakahle sibalwa ngokubona umholo ophakeme kakhulu womuntu weminyaka engu-35 "obhalwe phansi". Ingqikithi yeminyaka engu-35 ephezulu kakhulu yomholo "okhonjiwe" ihlukaniswa ngo-420, okuyinani lezinyanga zeminyaka engu-35, ukuze kutholakale umholo wenyanga womuntu ngamunye, obizwa ngokuthi i-AIME. Uma sekunqunywe i-AIME yomuntu ngamunye, ifomula yokubala inzuzo yanyanga zonke yile elandelayo: - Amaphesenti angu-90 ama-$996 okuqala e-AIME, kanye - Amaphesenti angu-32 e-AIME phakathi kuka-$996 no-$6,002, kanye - Amaphesenti angu - 15 e - AIME angaphezu kuka - $ 6,002