Liz Weston: Kodi Mapindu Anu Ogwira Ntchito Ndi Chiyani Kwenikweni?

Phindu limapanga zoposa 30% ya malipiro a ntchito wamba, malinga ndi US Bureau of Labor Statistics. Koma kudziwa mapindu omwe mukupeza sikophweka nthawi zonse.

Mungafunikire kufufuza pang’ono kuti muone kuchuluka kwa ntchito imene abwana anu amapereka pa inshuwalansi ya umoyo, mapulani opuma pantchito, ndi mapindu ena. Ubwino wina umakhalanso ndi phindu losakhala landalama, ndipo anthu amatha kuyamika mapindu omwewo m’njira zosiyanasiyana.

Mwachitsanzo, anthu omwe ali ndi thanzi labwino amatha kuyamikira mwayi wotsimikizika wopunduka kapena inshuwalansi ya moyo yomwe ingakhale yovuta kupeza kapena yodula. Wina amene ali ndi ngongole za ophunzira akhoza kuyamikira pulogalamu yothandizira ngongole ya maphunziro kuposa munthu amene alibe ngongole ya ngongole ya ophunzira.

Tsopano popeza nthawi yolembetsa yafikanso, ndi nthawi yoti muwunikenso zomwe abwana anu akukupatsani. Kumvetsetsa zopindulitsa zanu kungapangitsenso ntchito yanu yamakono – kapena kukupangitsani kuzindikira kuti ndi nthawi yoti muyang’ane malonda abwino. Ngati mukuganiza zokhala eni bizinesi yodzilemba nokha, mutha kumvetsetsa bwino kuchuluka kwa ndalama zomwe mudzafunika kuti mupeze kuti musinthe mapindu omwe mulipo kale.

Nazi zina mwazopindulitsa, pamodzi ndi ndalama zomwe abwana amapereka, malinga ndi Mercer, mlangizi wopindula ndi wogwira ntchito.

Inshuwaransi yazaumoyo: $5,000 mpaka $20,000

Mapulani a inshuwaransi yazaumoyo operekedwa ndi owalemba ntchito amayambira pa mafupa opanda kanthu mpaka oletsedwa. Komabe, pafupifupi, olemba ntchito adalipira 83% ya ndalama zokwana $7,739 chaka chatha kuti azithandizira payekha komanso 73% ya ndalama zokwana $22,221 zothandizira mabanja, malinga ndi KFF, bungwe lofufuza za inshuwaransi yazaumoyo.

Pezani zomwe inu ndi abwana anu munalipira inshuwaransi yazaumoyo chaka chatha mu 2021 W-2 yanu, atero a Paul Fronstein, director of health benefits research ku Employee Benefits Research Institute, kapena EBRI. Chiwerengero cha pachaka nthawi zambiri chimanenedwa ndi chizindikiro cha “DD”.

Abwana anu athanso kuswa zomwe amapereka pamalipiro anu. Malipiro ndi chikalata chomwe chimafotokoza za malipiro anu onse ndi msonkho wapambuyo pake komanso kuchotsera kosiyanasiyana. Nthawi zambiri mumatha kupeza malipiro anu kudzera pamakampani olipira pa intaneti; Funsani dipatimenti yanu yazantchito kuti mudziwe zambiri.

Zolipiritsa ndi chinthu chimodzi chokha pakuwunika chisamaliro chanu chaumoyo, ndithudi. Debit, co-pay ndi maukonde operekera nawonso ndizofunikira. Kupeza mitundu yosiyanasiyana ya mapulani kungapangitse kulembetsa kotseguka kukhala kosokoneza, koma kungakuthandizeninso kuti mugwirizane ndi zomwe muli nazo.

Ndondomeko yosungiramo ntchito: 3% mpaka 10% ya malipiro

Kafukufuku wa EBRI apeza kuti zopindulitsa zomwe ogwira ntchito amakonda pambuyo pa inshuwaransi yazaumoyo ikupeza ndondomeko yopuma pantchito, ndi maubwino ena onse omwe amabwera “chachitatu,” Fronstein akuti.

Anthu omwe ali ndi mapulani opuma pantchito ngati 401 (k) amatha kusunga ndalama zambiri kuposa omwe sali, malinga ndi AARP. Mapulani awa amapereka kuchotsera malipiro okha, ndipo anthu ambiri amalembetsanso.

Ambiri 401 (k) amabweranso ndi machesi amakampani – ndalama zaulere zomwe zingathandize antchito kumanga chuma mwachangu. Mwa machesi omwe amapezeka kwambiri ndi 50% ya 6% yoyamba ya malipiro omwe wogwira ntchito amapereka, kapena machesi a dollar kuchokera pa 3% mpaka 6% ya malipiro.

Olemba ntchito atha kupereka malipiro okulirapo ku mapulani a penshoni, omwe amalonjeza ndalama zokhazikitsidwa pamwezi akapuma pantchito. Izi zikusiyana ndi 401 (k)s ndi ndondomeko zina zoperekedwa, pomwe ndalama zomwe mumapeza mukapuma pantchito zimadalira kuchuluka kwa ndalama zomwe mumapereka komanso momwe ndalama zanu zimagwirira ntchito.

Mapenshoni akadali otchuka pakati pa mabungwe aboma, makoleji ndi mabungwe osapindulitsa azaumoyo, ngakhale 15% yokha ya ogwira ntchito m’mabungwe omwe ali ndi mwayi wopeza mapulani otero, malinga ndi Bureau of Labor Statistics.

Zina zonse: kuyambira ziro mpaka masauzande

Olemba ntchito omwe amapereka inshuwalansi ya mano nthawi zambiri amalipira $ 500 mpaka $ 2,500 pachaka kuti apeze chithandizo, malinga ndi Sandra Sweeney, mkulu wa Mercer’s Professional Practice. Avereji ya inshuwaransi ya moyo imachokera ku $100 mpaka $300 pa wogwira ntchito aliyense, pomwe inshuwaransi yolemala nthawi zambiri imatenga kulikonse kuyambira $250 mpaka $1,500.

Olemba ntchito atha kupereka mwayi wopeza chithandizo china, monga inshuwaransi ya moyo wowonjezera, inshuwaransi yanthawi yayitali, kapena inshuwaransi ya ziweto. Fronstein akuti ogwira ntchito nthawi zambiri amalipira ndalama zonse koma amatha kupindula ndi mitengo yonse ya mfundozo.

Thandizo la ndalama zamaphunziro likuchulukirachulukira. Pafupifupi theka la olemba ntchito amapereka thandizo la maphunziro, malinga ndi bungwe la Society for Human Resource Management. Mwa makampani omwe adafunsidwa ndi EBRI chaka chatha, 17% adapereka chithandizo chamtundu wina ndi ngongole za ophunzira pomwe ena 31% adakonza kutero.

Ogwira ntchito amathanso kuchotsera mpaka $ 5,250 pothandizira maphunziro kuchokera ku ndalama zomwe amapeza pamisonkho yawo, malinga ndi IRS. Mpaka 2025, malirewo akuphatikizanso thandizo la ngongole za ophunzira.

Kumbukirani kuti abwana anu amapereka phindu kuti akope, kusunga, ndi kupereka mphoto kwa antchito. Ngati simukutsimikiza za zabwino zanu zonse, kapena zomwe muyenera kuchita, dipatimenti yanu ya HR iyenera kukhala yokondwa kukupatsani chidziwitso chofunikira, akutero Fronstein.

“Funsani abwana anu,” akutero Fronstein. “Ichi sichinsinsi.”

Gawoli linaperekedwa ku Associated Press ndi tsamba lazachuma la NerdWallet. Fikirani kwa Liz Weston, wokonza zachuma komanso wolemba nkhani ku NerdWallet, ku [email protected] kapena Tweet embed.

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