聊聊 Social Security， Supplemental Security Income (SSI)， Medicare

看前面谈到Social Security, Supplemental Security Income (SSI), Medicare, 觉得这个话题对TF工有意义，不妨大家多讨论讨论。

正题之前，忍不住先说两件不大相关的：

× "拿手的菜是什么？想知道地主平时吃啥。跟着学掏粪，也想跟着学厨艺" - 这是跟老朽兄的一个跟帖。话怎么说的这么别扭呢？ 谁家在饭桌上讨论上厕所的事？  没点名的意思 but same question could come out better than this, don't you think?

× 建议逍遥大宗师下面的就不用看了，您这苦尽甘来的。50栋$1400/栋，每月是7万，一年就是70万（剩下的14万交税什么的）。Gotta taking a looooooong time to count $700,000.00 所以建议您宝贵时间不用花在这，这是真心话。

先说我知道的：

- 以前Social Security Administration每年(around June?)寄来一张Statement, 上面列明你自参加工作交了多少SS tax (yours and company contribution)及medicare。预估你退休时能拿到的SS benefit ($X/month) at regular date (67 yrs old) as well early (62) and late (70+) yrs old. 预估 is a trcky thing since it assumes you are going to contribute to SS the same way you've done in the past. 所以如以前是全职W-2兼职TF工以后转成全职TF工可能你将来拿得SS Benefit比预估值少, vice versa. 

2016年交SS的taxble income capped is capped at $118,500 (no limit for medicare tax though). 所以如果你前几年都交满的话，SSA的预估值就是你到年纪时最多能拿得数额。Should be upper $2,000/month or lower $3,000/month (<-- someone can correct me if I am wrong here)

- 这几年SSA不发信了。但你可以到这里 https://www.ssa.gov/myaccount/, 注册登记，里面有与信上一样的信息。 希望这个对大家有帮助。

- 如果你年中换了工作，或有多个工作，有可能交了不止$118,500 taxable income的SS tax. That's not necessarily a bad thing because the extra SS tax you paid is used as additonal federal tax during tax filing season (you need to pay attention to make sure of it). Plus you do see the additon portion in your record via SSA website which does count for your future benefit.

再说一些我觉得应该是真的，或可以讨论的：

- 交的多少与最终拿到的应该不是正比关系。这个很容易理解, 应该是富人贴穷人 所以像老朽这样的savvy TF worker每季交到最低限但又不多交太多的最终应该是赚的。。。

- Supplemental Security Income (SSI) - 这就是我们很多为移民来美年长父母申请的吧。 绿卡的少点，入籍的多些。富点的州多些(MA, CT for example), 经济差的州少些. I understand SSI is a federal program but "low-income" people get different amount from different states, meaning state contibutes certain amount as well, may not be called SSI of course.

- 稍微像样一点的TF工申请SSI应该不容易, with income and bank account limitation and so on. 比方说像逍遥大师这样的每年数着$700,000.00, 再去申请SSI?  是政府傻还是申请人傻？

- Medicare: 这个只要qualified之后，与W-2挣得多少没关系，是吧？  Someone can comfirm this one way or the other.

 

所有跟帖： 

• 那个50栋房子的,你还真信啊?我看他写的体会,30栋有没有都是问题,另外他的那些几万的小破房,绝对租不到$1400/栋 -math66- ♀ (0 bytes) () 03/24/2016 postreply 15:27:07

• Ding. -大百百- ♂ (0 bytes) () 03/24/2016 postreply 15:33:30

• 怎么每次我觉得闷，想吵架，总碰上你啊？ -math66- ♀ (0 bytes) () 03/24/2016 postreply 15:36:11

• 冤家路窄. -大百百- ♂ (0 bytes) () 03/24/2016 postreply 16:14:44

• 不要让躺着的我也中枪：我举的例子是别人的房子。刚想起有人--- -依旧逍遥- ♂ (257 bytes) () 03/24/2016 postreply 16:07:32

• 关于“预估”我也很迷惑 -QKA- ♀ (117 bytes) () 03/24/2016 postreply 16:40:30

• Truly confused or don't want to face reality ? -豆城酷猫- ♂ (943 bytes) () 03/24/2016 postreply 19:13:06

• social security, if you pay salary to yourself,... -mako2013- ♂ (339 bytes) () 03/24/2016 postreply 20:06:28

• Correct until last sentence, which is wrong ... -豆城酷猫- ♂ (2131 bytes) () 03/24/2016 postreply 21:19:12

• did you watch Republican primary election debate in Florida! (-: -mako2013- ♂ (62 bytes) () 03/24/2016 postreply 21:30:22

• take last year cap,$117000.00 -mako2013- ♂ (306 bytes) () 03/24/2016 postreply 22:23:34

• SS benefit 是这样算的 -Lionkingmom- ♀ (798 bytes) () 03/24/2016 postreply 20:06:48

• 能否以此举例, 以最低标准和最高标准各交35年, 以后 -加州阳光123- ♀ (30 bytes) () 03/24/2016 postreply 20:49:34

• I calculated, 2014 data, max $2,669/month -crz1- ♂ (93 bytes) () 03/25/2016 postreply 03:23:05

• more acutally, a <= $816, 816<b<4917, c>4917, 2014 standard -crz1- ♂ (58 bytes) () 03/25/2016 postreply 03:25:34

• 谢谢?充更正 -Lionkingmom- ♀ (0 bytes) () 03/25/2016 postreply 05:39:12