在不断变化的环境中检验退休
论文作者:www.51lunwen.org论文属性:作业 Assignment登出时间:2016-03-28编辑:zhaotianyun点击率:14247
论文字数:4095论文编号:org201603261034597704语种:英语 English地区:比利时价格:免费论文
关键词:Social Security退休社会保障
摘要:摘要:本文主要讲述了在当今社会时代的背景下,退休后将计划考虑社会保障来维持良好的退休生活。
在变化的环境中检查退休
Examining retirement in a changing environment
退休是当你离开你积极的工作生活的时候。这是计划做一件事的时候他们从来没有时间去做,而花更多的时间与朋友和家人一起。曾经有这样一种信念:如果你努力工作,每年赚平均数量的钱,退休自然而然地来。之后你将过上一种生活方式,类似你工作时保持的生活方式。然而,这可能不再是真实的。退休是不能放入背景,而是应该在你的头脑中,当你职业道路上开始你的第一份工作。这需要规划和计划,以确保您将有资金支持的生活方式类似工作时的生活方式。人活得更长,养老金将变得过时,社会保障将会赤字。时代已经变了,人们需要开始适应。
这里有许多退休账户,当他们计划准备退休时,可以考虑把它们作为第一个社会保障。社会保障形式之一,尽管有限,在1930年代的大萧条,实现“社会保险”。这是因为老年人的贫困率超过50%(SSA.gov)。1935年8月14日,罗斯福总统签署了《社会保障法》。这是一个试图限制美国生活的艰辛,包括老年,贫困和失业。
当工人们62岁时,他们可以开始收集社会保障收入。然而,这被认为是“提前退休年龄”,他们将无法接受他们的全部好处。当你到了可以退休的年纪,而得到全部好处取决于你的出生年份,目前从65 - 67岁(附录C)。
Retirement is a time when you leave your active working life. It is a time when one plans to do the things they never had the time to do, while spending more quality time with friends and family. There used to be a belief that if you worked hard and made an average amount of money annually, retirement would come naturally. You would then be able to live a lifestyle similar to the one you were able to live while working. However, this may no longer be true. Retirement is something that cannot be put into the background, but rather should be on your mind when you start your first job on your career path. It takes planning and initiative to make sure you will have the funds to support a lifestyle similar to the one you were able to live while working. People are living longer, pensions are becoming obsolete, and Social Security is running a deficit. The times have changed and people need to begin to adapt.
There are many retirement accounts that can be taken into consideration while planning for retirement, the first of these being Social Security. The first form of Social Security, although limited, was to implement 'social insurance' during the Great Depression of the 1930's. This was because poverty rates among senior citizens exceeded 50% (SSA.gov). President Roosevelt signed the Social Security act on August 14, 1935. It was an attempt to limit the hardships of American life which included old age, poverty, and unemployment.
Workers can start collecting Social Security when they turn 62 years old. However this is considered the 'early retirement age' and they will not be able to receive their full benefits. The age you can retire while receiving full benefits depends on your year of birth, and ranges currently from 65-67 years old (Appendix C). Starting your benefits at age 62 will result in an approximate 20-30 percent reduction in benefits depending on your date of birth. If you were born in 1937 or earlier retiring at age 62 will decrease your benefits by 20%, if born between 1943-1954 your benefits will decrease by 25%, if born in 1960 or later your benefits will decrease by 30% (Appendix C). These are permanently reduced and will not go up as you reach your full retirement age, unless you return to work or pay back what you have already borrowed. You can also delay your retirement which will increase the benefits until you reach the age of 70. The rate will increase each month and the increase depends on your date of birth. After reaching 70 the benefit amount will stop increasing.
Social Security benefits are based on your lifetime earnings. Your actual earnings are adjusted to account for changes in average wages since the year the earnings were received. There is also a cap placed on the maximum earnings contributed to your Social
本论文由英语论文网提供整理,提供论文代写,英语论文代写,代写论文,代写英语论文,代写留学生论文,代写英文论文,留学生论文代写相关核心关键词搜索。