What is the full retirement age (FRA)?

Full retirement age, also known as FRA, in the United States, is the age at which an individual is eligible to receive full retirement benefits from the Social Security Administration (SSA).

What is the 100% retirement age?

It is full retirement age (FRA).

What age is the full retirement age?

If you were born in 1960 or later.

Why is it important to know about full retirement age?

It is essential to know about full retirement age (FRA) because this is the main factor in determining when you can start receiving Social Security retirement benefits and how much you will receive.

Hnub Nyoog Laus Tag Nrho Piav Qhia: Pib Kawm Tam Sim No rau yav tom ntej zoo dua

Lub hnub nyoog yog dab tsi tag nrho cov hnub nyoog so haujlwm? Thiab vim li cas koj yuav tsum paub txog nws qhov tseem ceeb hauv kev npaj nyiaj laus?

Txawm hais tias koj tab tom pib koj txoj haujlwm lossis xav txog kev ncua sijhawm so haujlwm, nkag siab lub ntsiab lus ntawm lub hnub nyoog so haujlwm tag nrho thiab nws qhov cuam tshuam rau koj cov nyiaj laus yog qhov tseem ceeb. Hauv tsab xov xwm no, peb yuav tshawb txog cov ncauj lus no rau koj kom txiav txim siab yooj yim dua txog thaum twg yuav so haujlwm thiab yuav ua li cas kom koj cov nyiaj laus tau txais txiaj ntsig ntau tshaj plaws.

Txheej txheem cej luam ntawm Tag Nrho Hnub nyoog so haujlwm
Puas Muaj Hnub Nyoog Retirement cuam tshuam rau Social Security Benefits li cas?
Yuav Ua Li Cas Kom Tau Txais Koj Cov Nyiaj Txiaj Ntsig
Ntsiab Cai
Cov Lus Nug

Txheej txheem cej luam ntawm Tag Nrho Hnub nyoog so haujlwm

Koj lub xyoo yug	Hnub nyoog laus laus (FRA)
1943 - 1954	66
1955	66 + 2 lub hlis
1956	66 + 4 lub hlis
1957	66 + 6 lub hlis
1958	66 + 8 lub hlis
1959	66 + 10 lub hlis
1960 thiab tom qab ntawd	67

Source: Social Security Administration (SSA)

Thaum twg yog lub hnub nyoog so haujlwm tag nrho rau ib tus neeg yug hauv 1957? Cov lus teb yog 66 xyoo thiab 6 lub hlis.

Lub hnub nyoog so haujlwm tag nrho, tseem hu ua FRA, hauv Tebchaws Meskas, yog lub hnub nyoog uas ib tus neeg tsim nyog tau txais cov nyiaj laus tag nrho los ntawm Social Security Administration (SSA).

Lub hnub nyoog txawv nyob ntawm lub xyoo yug, tab sis rau cov neeg yug hauv 1960 lossis tom qab ntawd, lub hnub nyoog so haujlwm tag nrho yog 67. Rau cov neeg yug ua ntej xyoo 1960, lub hnub nyoog so haujlwm puv ntoob nce los ntawm ob peb lub hlis txhua xyoo.

Hnub nyoog twg yog hnub nyoog laus laus tag nrho? Thiab vim li cas koj yuav tsum paub txog nws qhov tseem ceeb hauv kev npaj nyiaj laus? — Lub hnub nyoog so haujlwm tag nrho yog hnub nyoog twg? Thiab vim li cas koj yuav tsum paub txog nws qhov tseem ceeb hauv kev npaj nyiaj laus?

Kev nkag siab txog koj lub hnub nyoog so haujlwm tag nrho yog qhov tseem ceeb rau kev npaj nyiaj laus, vim nws cuam tshuam rau cov nyiaj laus nyiaj laus txhua hli uas koj tuaj yeem tau txais los ntawm Social Security.

Yog tias ib tug neeg xaiv thov cov nyiaj laus Social Security ua ntej lawv FRA, lawv cov nyiaj pab txhua hli yuav raug txo. Qhov kev txo qis yog xam raws li tus naj npawb ntawm lub hlis ua ntej tus neeg mus txog lawv FRA.

Piv txwv li, yog tias koj tus FRA yog 67 thiab koj pib thov cov txiaj ntsig ntawm 62, koj cov nyiaj laus yuav raug txo mus txog 30%. Ntawm qhov tod tes, ncua koj cov txiaj ntsig nyiaj laus tshaj li hnub nyoog so haujlwm tag nrho tuaj yeem ua rau muaj txiaj ntsig ntau dua ib hlis.

Txhawm rau kom nkag siab zoo dua, koj tuaj yeem tshawb xyuas cov lus hauv qab no:

Source: Social Security Administration (SSA)

Lossis koj tuaj yeem siv Social Security Administration's (SSA) Retirement Age Calculator.

Lwm Phau Ntawv

Yuav tsum tau soj ntsuam koj pab neeg ntawm Txoj Cai Nyiaj Laus!

Siv cov lus nug thiab kev ua si rau AhaSlides los tsim kev lom zem thiab sib tham sib kev tshawb fawb, sib sau ua ke pej xeem kev xav ntawm kev ua hauj lwm nyob rau hauv lub sij hawm luv tshaj!

🚀 Tsim Kev Tshawb Fawb Dawb☁️

Yuav Ua Li Cas Kom Tau Txais Koj Cov Nyiaj Txiaj Ntsig

Los ntawm kev ua kom koj cov txiaj ntsig nyiaj laus tshaj plaws, koj tuaj yeem muaj kev thaj yeeb nyab xeeb ntxiv txog kev muaj nyiaj txaus los ua neej nyob zoo thoob plaws hauv koj cov nyiaj laus.

Nov yog qee cov lus qhia rau kev ua kom koj cov txiaj ntsig nyiaj so haujlwm tau zoo:

1. Ua haujlwm tsawg kawg yog 35 xyoo

Cov nyiaj laus Social Security raug xam raws li koj cov nyiaj khwv tau los nruab nrab thaum koj ua haujlwm siab tshaj 35 xyoo. Yog tias koj muaj tsawg dua 35 xyoo ntawm kev ua haujlwm, qhov kev suav yuav suav nrog xyoo tsis muaj nyiaj hli, uas tuaj yeem txo koj cov nyiaj pab.

2. ncua kev thov nyiaj laus Social Security

Raws li tau hais los saum no, kev ncua sij hawm nyiaj laus Social Security kom txog rau thaum tom qab mus txog Hnub Nyoog Ua Haujlwm Tag Nrho tuaj yeem ua rau cov nyiaj pab ntau dua ib hlis. Cov txiaj ntsig tuaj yeem nce mus txog 8% rau txhua xyoo koj ncua dhau koj FRA kom txog thaum koj muaj hnub nyoog 70 xyoo.

Tau qhov twg los: Chaw Tswj Xyuas Nyiaj Laus (SSA)

3. Muaj Kev Npaj Nyiaj Laus

Yog koj npaj npaj npaj noj nyiaj lauscov txheej txheem nrog kev xaiv txuag xws li 401 (k) lossis IRA, ua kom koj cov nyiaj pab ntau tshaj. Kev ua kom koj cov nyiaj pab ntau tshaj tuaj yeem ua rau koj cov nyiaj laus ua haujlwm tau zoo thiab tuaj yeem txo koj cov nyiaj tau los ntawm se.

4. Ua haujlwm

Ua hauj lwm dhau koj Hnub Nyoog Laus Tag Nrho tuaj yeem txhim kho koj cov nyiaj laus nyiaj laus thiab cov txiaj ntsig Social Security.

Ua hauj lwm thaum tau txais cov nyiaj pab Xaus Saus ua ntej tshaj koj FRA tuaj yeem txo tus nqi koj tau txais vim yog Kev Xeem Nyiaj Laus.

Txawm li cas los xij, tom qab koj ua tiav koj FRA, koj cov nyiaj laus yuav tsis raug txo.

5. Npaj rau cov nqi kho mob thiab xwm txheej ceev

Cov nuj nqis kho mob thiab xwm txheej ceev tuaj yeem yog cov nqi tseem ceeb thaum so haujlwm. Txhawm rau npaj cov nqi kho mob thiab xwm txheej kub ntxhov tom qab so haujlwm, khaws cov ntsiab lus hauv qab no:

Nkag siab txog koj qhov kev pab them nqi kho mob.
Npaj rau kev saib xyuas mus sij hawm ntev nrog kev tuav pov hwm lossis kev tso nyiaj tseg kom them cov nqi saib xyuas mus sij hawm ntev.
Tsim kom muaj ib qho nyiaj kub ceev los them cov nuj nqis uas tsis tau npaj tseg uas yuav tshwm sim.
Xav txog ib tus as-qhauj nyiaj noj qab haus huv (HSA) kom txuag tau cov nqi kho mob thaum so haujlwm.
Saib xyuas koj txoj kev noj qab haus huv los ntawm kev noj zaub mov zoo, ua haujlwm tsis tu ncua, thiab ua raws li kev tiv thaiv.

6. Nrhiav ib tus kws pab tswv yim nyiaj txiag

Ua kom koj cov nyiaj laus ua kom tiav yuav tsum tau ua tib zoo npaj thiab xav txog koj qhov xwm txheej. Kev sab laj nrog tus kws pab tswv yim nyiaj txiag tuaj yeem pab koj tsim cov phiaj xwm nyiaj laus uas ua rau koj cov txiaj ntsig zoo tshaj plaws thiab ua kom muaj kev ruaj ntseg nyiaj txiag thaum koj so haujlwm xyoo.

Nws yeej tsis ntxov dhau los kawm txog hnub nyoog so haujlwm tag nrho. Image: freepik

Ntsiab Cai

Nws yeej tsis ntxov dhau (lossis lig dhau) los kawm txog hnub nyoog so haujlwm tag nrho. Nkag siab txog FRA yog ib feem tseem ceeb ntawm kev npaj rau koj lub neej yav tom ntej. Paub txog thaum twg koj tuaj yeem thov cov txiaj ntsig Social Security thiab nws cuam tshuam li cas cov txiaj ntsig tuaj yeem pab koj txiav txim siab paub txog koj cov nyiaj laus.

Cov Lus Nug

Lub hnub nyoog laus tag nrho (FRA) yog dab tsi?

Dab tsi yog 100% hnub nyoog so haujlwm?

Nws yog hnub nyoog laus laus (FRA).

Lub hnub nyoog so haujlwm tag nrho yog hnub nyoog li cas?

Yog tias koj yug xyoo 1960 lossis tom qab ntawd.

Vim li cas nws tseem ceeb kom paub txog hnub nyoog so haujlwm tag nrho?

Nws yog ib qho tseem ceeb kom paub txog cov hnub nyoog laus laus (FRA) vim tias qhov no yog qhov tseem ceeb hauv kev txiav txim siab thaum twg koj tuaj yeem pib tau txais txiaj ntsig Social Security nyiaj laus thiab ntau npaum li cas koj yuav tau txais.