想咨询一下家庭主妇养老金的问题

方平

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马小喵

我来看评论 学习的 知道的人 多多提意见
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huhumom

匿名者 发表于 2018-5-25 09:54
家庭主妇都经常问这个问题！太闲了！

你怎么知道家庭主妇闲？
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lina2005sh

jjwxc 发表于 2018-5-26 02:57
想问下是一定要接着做10年还是中间几年没工作 过几年又出去工作加起来10年 ...

不管你中间有没有断开工作只要总的满10年40个点就可以了。是这样计算的IRS 上有详细介绍你可以去看一下。
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yangwendy

拿配偶的一半或者拿自己的。2选1。

Married beneficiaries can claim benefits based on their own earnings record or choose to receive up to 50% of the amount for which their spouse is eligible at full retirement age. If the spouse claiming a spousal benefit hasn't reached full retirement age, that benefit will be less than 50%.

不光是家庭主妇/夫，两人都工作也可以互相拿对方的，达到最优化。

To execute this strategy, the lower-earning spouse claims her own benefit first, then the higher earner files for benefits based on the lower-earning spouse's earnings. The higher earner collects spousal benefits while his own benefit continues to grow. The higher earner gets 50% of the spouse's full-retirement-age benefit even if she's not yet 66. The higher earner can switch to his own benefit at age 70 (or earlier). His spouse can then switch to a spousal benefit based on what he was entitled to receive at full retirement age.
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家庭主妇出去找个工作就那么难？如果小孩小需要照顾是借口，那等小孩上学了就可以工作了吧
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jjwxc

lina2005sh 发表于 2018-5-26 15:36
不管你中间有没有断开工作只要总的满10年40个点就可以了。是这样计算的IRS 上有详细介绍你可以去看一下。 ...

好的谢谢
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开个roth ira账户
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会唱歌的火箭

Maybe, maybe not, depending on state law and your particular situation.   Community property law questions can get complicated and are best answered by a tax professional that knows the community property laws of your state and can get all of your personal details.

In community property states, retirement benefits are part separate property and part community property; in proportion to the contributions to the plan before marriage and the contributions to the plan during marriage.

基本意思就是找个专业会计或者律师问问
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lina2005sh 发表于 2018-5-24 17:05
我老公自己注册的公司，以前没有给我payroll 但现在因为我们移民回到美国了，所以才给我用他公司来给我加养 ...

请问在哪可以查自己现在有多少点了呢？
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lina2005sh

匿名者 发表于 2018-5-27 06:11
请问在哪可以查自己现在有多少点了呢？

你可以打IRS问一下，具体不太清楚，很多东西都是我老公的会计师和我们建议的，你可以问一下会计师一般他们都知道的因为大家都需要退休避税和养老等安排
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