{"id":1695,"date":"2016-09-22T22:20:39","date_gmt":"2016-09-23T02:20:39","guid":{"rendered":"http:\/\/yibababa.com\/?p=1695"},"modified":"2016-09-22T22:20:39","modified_gmt":"2016-09-23T02:20:39","slug":"%e8%ae%a4%e8%af%86%e7%be%8e%e5%9b%bd%e7%9a%84%e7%a4%be%e4%bc%9a%e9%80%80%e4%bc%91%e5%ae%89%e5%85%a8%e5%88%b6%e5%ba%a6","status":"publish","type":"post","link":"https:\/\/yibababa.com\/article\/archives\/1695","title":{"rendered":"\u8ba4\u8bc6\u7f8e\u56fd\u7684\u793e\u4f1a\u9000\u4f11\u5b89\u5168\u5236\u5ea6"},"content":{"rendered":"<p style=\"text-align: center;\">\u6765\u6e90\uff1a<span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"http:\/\/www.moneyradio.org\/showSubCategory.php?SCID=4805\">\u6797\u4fee\u8363\u7406\u8d22\u5929\u5730<\/a><\/span><\/p>\n<p>\u7f8e\u56fd\u8054\u90a6\u653f\u5e9c\uff0c\u4e3a\u9000\u4f11\u4eba\u58eb\u63d0\u4f9b<strong>\u4e24\u79cd<\/strong>\u4e3b\u8981<span style=\"text-decoration: underline;\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/www.ssa.gov\/pubs\/CH-05-10035.pdf\">\u9000\u4f11\u798f\u5229<\/a><\/span><\/span>\uff0c\u4e00\u662f\u201c\u793e\u4f1a\u5b89\u5168\u9000\u4f11\u91d1\u201d\uff0c\u4e8c\u662f\u201c\u533b\u7597\u4fdd\u9669\uff08\u79f0\u4e3aMedicare\uff09\u201d\u3002\u5c45\u4f4f\u5728\u7f8e\u56fd\u7684\u4eba\u58eb\uff0c\u90fd\u5e94\u8be5\u4e86\u89e3\u8fd9\u4e2a\u5236\u5ea6\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-1696\" src=\"http:\/\/yibababa.com\/wp-content\/uploads\/2016\/09\/1-1.png\" alt=\"1\" width=\"542\" height=\"311\" \/><\/p>\n<p><strong>\u4e00\u3001\u793e\u4f1a\u5b89\u5168\u7a0e<\/strong><\/p>\n<p>\u7f8e\u56fd\u653f\u5e9c\u89c4\u5b9a\uff0c\u51e1\u662f\u6709\u5de5\u4f5c\u6216\u751f\u610f\u6536\u5165\u8005\uff0c\u90fd\u8981\u7f34\u7eb3<strong>\u793e\u4f1a\u5b89\u5168\u7a0e<\/strong>\uff0c\u7b80\u79f0\u201cFICA\u201d\uff0c\u5206\u4e3a<strong>\u9000\u4f11\u91d1\u7a0e<\/strong>\u548c<strong>\u533b\u7597\u4fdd\u9669\u7a0e<\/strong>\u3002\u524d\u8005\uff0c\u5360\u6536\u5165\u76846.2%\uff0c\u4f46\u6bcf\u5e74\u6709\u4e0a\u9650\uff0c\u4eca\u5e74\u4e3a6,045\u5143\uff0c\u5373\u6536\u5165\u4e2d\u53ea\u670997,500\u5143\u9700\u8981\u4ed8\u9000\u4f11\u91d1\u7a0e\uff1b\u540e\u8005\uff0c\u4e3a\u6536\u5165\u76841.45%\uff0c\u6ca1\u6709\u4e0a\u9650\u3002\u8fd9\u4e9b\u7a0e\u6b3e\u5728W-2\u8868\u683c\u4e0a\u90fd\u6e05\u695a\u5217\u660e\u3002\u6bcf\u5e74\u5728\u4f60\u751f\u65e5\u524d\u5927\u7ea6\u4e24\u4e2a\u6708\uff0c\u4f1a\u6536\u5230\u793e\u5b89\u5c40\u5bc4\u7ed9\u60a8\u7684\u62a5\u8868\uff0c\u4e0a\u9762\u5217\u51fa\u60a8\u6bcf\u5e74\u8981\u4ed8\u793e\u5b89\u7a0e\u7684\u6536\u5165\uff0c\u5e76\u5df2\u7ecf\u83b7\u5f97\u7684\u5de5\u4f5c\u70b9\u6570\u3002<\/p>\n<p>\u53d7\u50f1\u8005\u81ea\u4ed8\u7684\u8fd97.65%\uff086.2%+1.45%\uff09\u53ea\u662f\u793e\u5b89\u7a0e\u7684\u4e00\u534a\uff0c\u50f1\u4e3b\u8981\u4e3a\u60a8\u4ed8\u53e6\u5916\u4e00\u534a\uff0c\u5373\u4e24\u9879\u7a0e\u5171\u4e3a\u6536\u5165\u4e4b15.3%\uff087.65%x2\uff09\uff1b\u81ea\u96c7\u4eba\u58eb(SELF EMPLOYED)\u5219\u9700\u5168\u90e8\u81ea\u4ed8\uff0c\u5373\u8981\u4e3a\u51c0\u6536\u5165\u7f34\u7eb315.3%\u7684\u7a0e\u91d1\uff0c\u79f0\u4e3a\u201c\u81ea\u96c7\u7a0e(Self-Employment Tax)\u201d\uff0c\u81ea\u96c7\u7a0e\u4e4b\u4e0a\u9650\u4e0e\u53d7\u96c7\u8005\u76f8\u540c\u3002<\/p>\n<p><strong>\u4e8c\u3001\u5de5\u4f5c\u70b9\u6570<\/strong><\/p>\n<p>\u652f\u4ed8\u4e86\u793e\u4f1a\u5b89\u5168\u7a0e\uff0c\u4f60\u4fbf\u53ef\u4ee5\u53d6\u5f97\u201c\u70b9\u6570\u201d\uff08Social Security credits\uff09\uff0c\u53ea\u8981<span style=\"text-decoration: underline;\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/www.ssa.gov\/pubs\/EN-05-10072.pdf\">$1260\u5143\uff082016\u5e74\uff09<\/a><\/span><\/span>\u6536\u5165\u4fbf\u53ef\u53d6\u5f97\u4e00\u4e2a\u70b9\u6570\uff08One Credit\uff09\uff0c\u6bcf\u5e74\u6700\u591a\u53ea\u80fd\u83b7\u56db\u4e2a\u70b9\u6570\uff0c\u6240\u4ee5\u5e74\u6536\u5165\u53ea\u97005040\u7f8e\u5143\uff0c\u4fbf\u53ef\u83b7\u53d6\u8db3\u989d\u7684\u56db\u4e2a\u70b9\u6570\u3002\u56db\u4e2a\u70b9\u6570\u6ca1\u6709\u9650\u5236\u6bcf\u5b63\u4e00\u70b9\uff0c\u6545\u5373\u4f7f\u53ea\u5de5\u4f5c\u4e00\u4e2a\u6708\uff0c\u53ea\u8981\u6536\u5165\u591f\uff0c\u4fbf\u53ef\u4e00\u53e3\u6c14\u53d6\u5f97\u5168\u5e74\u4e4b\u56db\u4e2a\u70b9\u6570\u3002<\/p>\n<p>\u4e00\u822c<strong>\u9000\u4f11\u798f\u5229\uff0c\u8981\u6c42\u7eb3\u7a0e\u4eba\u6709\u56db\u5341\u4e2a\u70b9\u6570\u624d\u5177\u4eab\u53d7\u8d44\u683c\uff0c\u6545\u9700\u5de5\u4f5c\u5341\u5e74<\/strong>\uff0c\u4f46\u4e5f\u6709\u4f8b\u5916\u3002<strong>\u7b2c\u4e00\u79cd\u4f8b\u5916\u7684\u60c5\u51b5<\/strong>\uff0c\u662f\u7eb3\u7a0e\u4eba\u914d\u5076\uff0c\u5373\u4f7f\u4ece\u672a\u5de5\u4f5c\uff0c\u5c06\u6765<span style=\"text-decoration: underline;\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/www.ssa.gov\/OACT\/quickcalc\/spouse.html\">\u4e5f\u53ef\u53d6\u5f97\u7eb3\u7a0e\u4eba\u9000\u4f11\u91d1\u7684\u4e00\u534a<\/a><\/span><\/span>\uff08\u8fd9\u4e00\u534a\u9000\u4f11\u91d1\u662f\u989d\u5916\u7684\uff0c\u5e76\u4e0d\u5f71\u54cd\u7eb3\u7a0e\u4eba\u672c\u8eab\u9000\u4f11\u91d1\u4e4b\u91d1\u989d\uff09\uff1b\u79bb\u4e86\u5a5a\u7684\u524d\u914d\u5076\uff0c\u5047\u5982\u5a5a\u59fb\u8fbe\u5341\u5e74\u6216\u4ee5\u4e0a\uff0c\u53ea\u8981\u6ca1\u518d\u5a5a\uff0c\u4ea6\u6709\u8d44\u683c\u5f97\u5230\u524d\u914d\u5076\u9000\u4f11\u91d1\u4e4b\u4e00\u534a\u3002<\/p>\n<p><strong>\u53e6\u5916\u4e24\u79cd\u7279\u522b\u60c5\u51b5<\/strong>\uff0c\u4e0d\u8db3\u56db\u5341\u4e2a\u70b9\u6570\u4e5f\u53ef\u53d6\u5f97\u9000\u4f11\u798f\u5229\uff1a\u4e00\u662f\u7eb3\u7a0e\u4eba\u4e0d\u5e78\u53bb\u4e16\uff0c\u5373\u4f7f\u672a\u591f\u56db\u5341\u4e2a\u70b9\u6570\uff0c\u914d\u5076\u548c\u5b50\u5973\u90fd\u53ef\u53d6\u5f97\u798f\u5229\uff1b\u4e8c\u662f\u7eb3\u7a0e\u4eba\u56e0\u8eab\u4f53\u6b8b\u969c\u65e0\u6cd5\u5de5\u4f5c\uff0c\u53ef\u80fd\u7b26\u5408\u9886\u53d6\u201c\u6b8b\u969c\u798f\u5229\u201d\u8d44\u683c\u3002<\/p>\n<p><strong>\u4e09\u3001\u9000\u4f11\u91d1\u91d1\u989d<\/strong><\/p>\n<p>\u9000\u4f11\u91d1\u7684\u91d1\u989d\uff0c\u4e3b\u8981\u770b\u5de5\u4f5c\u5e74\u671f\u4e4b\u957f\u77ed\uff0c\u548c\u7f34\u7eb3\u7a0e\u91d1\u4e4b\u591a\u5be1\u800c\u5b9a\u3002\u653f\u5e9c\u4f1a\u4ee5\u60a8<strong>\u6536\u5165\u6700\u9ad8\u7684\u4e09\u5341\u4e94\u5e74<\/strong>\uff0c\u6765\u8ba1\u7b97\u53ef\u5f97\u7684\u9000\u4f11\u91d1\u3002<\/p>\n<p>\u600e\u6837\u53ef\u4ee5\u9884\u4f30\u5c06\u6765\u53ef\u5f97\u591a\u5c11\u9000\u4f11\u91d1\uff1f\u6bcf\u5e74\uff0c\u5728\u60a8\u751f\u65e5\u7684\u524d\u4e24\u4e2a\u6708\uff0c\u653f\u5e9c\u4f1a\u5bc4\u4e0a\u4e00\u4efd\u5e74\u62a5\uff08<span style=\"text-decoration: underline;\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/www.ssa.gov\/myaccount\/\">Social Security Statement<\/a><\/span><\/span>\uff09\uff0c\u5217\u51fa\u8fc7\u53bb\u6bcf\u5e74\u7684\u6536\u5165\u548c\u5c06\u6765\u9000\u4f11\u91d1\u7684\u4f30\u8ba1\u91d1\u989d\u3002\u5047\u5982\u53bb\u5e74\u6536\u5165\u672a\u5217\u5728\u5e74\u62a5\u4e0a\uff0c\u4e5f\u6ca1\u6709\u95ee\u9898\uff0c\u56e0\u4e3a\u6536\u5165\u901a\u5e38\u8981\u8d85\u8fc7\u4e00\u5e74\u540e\u624d\u5217\u4e8e\u5e74\u62a5\u3002\u6b64\u5916\uff0c\u5047\u5982\u672a\u53d6\u5f97\u56db\u5341\u4e2a\u70b9\u6570\uff0c\u4ea6\u4e0d\u4f1a\u6709\u9000\u4f11\u91d1\u4f30\u8ba1\u91d1\u989d\u3002<\/p>\n<p>\u53e6\u5916\u4e00\u4e2a\u4f30\u8ba1\u9000\u4f11\u91d1\u7684\u65b9\u6cd5\uff0c\u5c31\u662f\u76f4\u63a5\u8fdb\u5165\u793e\u5b89\u5c40\u7684\u7f51\u5740\uff1awww.ssa.gov\uff0c\u7136\u540e\u70b9\u6309\u201c\u9009\u62e9\u9000\u4f11\u91d1\u8ba1\u7b97\u5668\u201d(CHOOSE A <span style=\"text-decoration: underline;\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/www.ssa.gov\/planners\/benefitcalculators.html\">BENEFIT CALCULATOR<\/a><\/span><\/span>)\u90e8\u4efd\uff0c\u4fbf\u4f1a\u89c1\u5230\u6709\u4e09\u79cd\u65b9\u6cd5\u53ef\u4ee5\u4f30\u8ba1\u5c06\u6765\u793e\u5b89\u9000\u4f11\u91d1\u91d1\u989d\u3002<\/p>\n<p>\u7b2c\u4e00\u79cd\u4f30\u8ba1\u65b9\u6cd5\u6700\u7b80\u5355\uff0c\u53ea\u8981\u653e\u5165\u4e2a\u4eba\u7684\u5e74\u9f84\u53ca\u4eca\u5e74\u7684\u603b\u6536\u5165\uff0c\u793e\u5b89\u5c40\u4fbf\u4f1a\u4f30\u8ba1\u60a8\u4ee5\u524d\u53ca\u4ee5\u540e\u7684\u6536\u5165\uff0c\u6765\u4f30\u8ba1\u5c06\u6765\u53ef\u4ee5\u83b7\u5f97\u591a\u5c11\u9000\u4f11\u91d1\uff1b\u4f46\u8be5\u65b9\u6cd5\u53ea\u5c5e\u7c97\u7565\u7684\u4f30\u8ba1\u3002<\/p>\n<p>\u7b2c\u4e8c\u79cd\u4f30\u8ba1\u65b9\u6cd5\uff0c\u662f\u5c06\u4e2a\u4eba\u8fc7\u53bb\u6536\u5165\u7b49\u8d44\u6599\u8f93\u5165\u7f51\u4e0a\uff0c\u7136\u540e\u7f51\u4e0a\u9a6c\u4e0a\u4e3a\u60a8\u4f30\u8ba1\u5c06\u6765\u7684\u6536\u5165\uff0c\u518d\u4f30\u8ba1\u5c06\u6765\u53ef\u83b7\u5f97\u7684\u9000\u4f11\u91d1\u7684\u91d1\u989d\u3002\u8fd9\u4e2a\u65b9\u6cd5\u4e0e\u60a8\u6bcf\u5e74\u9886\u53d6\u7684\u62a5\u8868\u4e0a\u8ba1\u7b97\u65b9\u6cd5\u76f8\u540c\u3002<\/p>\n<p>\u7b2c\u4e09\u79cd\u6700\u4e3a\u51c6\u786e\u7684\u65b9\u6cd5\uff0c\u662f\u4ece\u7f51\u4e0a\u4e0b\u8f7d\u4e00\u4e2a\u8f6f\u4ef6\u6765\u4f5c\u51fa\u8ba1\u7b97\u3002<\/p>\n<p>\u9664\u4e86\u7b49\u653f\u5e9c\u5bc4\u4e0a\u5e74\u62a5\uff0c\u4ea6\u53ef\u5230\u793e\u4f1a\u5b89\u5168\u5c40\u7f51\u5740\u67e5\u8be2\uff0c\u53ea\u8981\u5c06\u81ea\u5df1\u8d44\u6599\u8f93\u5165\u5373\u53ef\uff0c\u4e5f\u53ef\u4ee5\u5411\u793e\u5b89\u5c40\u8981\u6c42\u63d0\u4f9b\u4e00\u4efd<span style=\"text-decoration: underline;\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/www.ssa.gov\/myaccount\/SSA-7004.pdf\">SSA7-004<\/a><\/span><\/span>\u8868\u683c\uff0c\u6216\u4e0a\u7f51\u4e0b\u8f7d\u8be5\u8868\u683c\u3002<\/p>\n<p><strong>\u56db\u3001\u9000\u4f11\u5e74\u9f84<\/strong><\/p>\n<p>\u76ee\u524d\uff0c\u53ef\u9886\u53d6\u9000\u4f11\u91d1<strong>\u6700\u65e9\u7684\u5e74\u9f84\u662f62\u5c81<\/strong>\uff0c\u4f46\u63d0\u524d\u9886\u53d6\u4f1a\u4ee4\u91d1\u989d\u7ec8\u751f\u6253\u6298\u6263\uff0c\u6bd4\u7387\u89c6\u4e0e\u201c\u5b8c\u5168\u9000\u4f11\u5e74\u9f84(<span style=\"text-decoration: underline;\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/www.ssa.gov\/planners\/retire\/retirechart.html\">Full Retirement Age<\/a><\/span><\/span>)\u201d\u4e4b\u8ddd\u79bb\u800c\u5b9a\u3002\u6240\u8c13\u201c\u5b8c\u5168\u9000\u4f11\u5e74\u9f84\u201d\uff0c\u4ee5\u524d\u662f65\u5c81\uff0c\u73b0\u5728\u5df2\u7ecf\u63d0\u9ad8\uff0c\u73b0\u572850\u4ee5\u4e0a\u81f361\u5c81\u7684\u8bfb\u8005\uff0c\u898166\u5c81\u624d\u53ef\u907f\u514d\u6298\u6263\uff1b\u73b0\u572840\u591a\u5c81\u4eba\u58eb\uff0c\u8981\u523067\u624d\u53ef\u201c\u5b8c\u5168\u9000\u4f11\u201d\u3002<\/p>\n<p>\u63d0\u524d\u9886\u53d6\u9000\u4f11\u91d1\uff0c\u8fd8\u8981\u8003\u8651\u4e00\u70b9\uff0c\u5373\u5728\u201c\u5b8c\u5168\u9000\u4f11\u5e74\u9f84\u201d\u4e4b\u524d\u7ee7\u7eed\u5de5\u4f5c\uff0c\u5176\u5de5\u4f5c\u6536\u5165\u53ef\u80fd\u5f71\u54cd\u9000\u4f11\u91d1\u91d1\u989d\u3002\u5047\u5982\u5de5\u4f5c\u6536\u5165\u8d85\u8fc715,120\u5143\uff0c\u8d85\u51fa\u90e8\u5206\u6bcf2\u5143\u5c06\u51cf\u5c11\u9000\u4f11\u91d11\u5143\u3002<\/p>\n<p>\u5df2\u7ecf\u5de5\u4f5c\u4e86\u5341\u5e74\u6216\u4ee5\u4e0a\u7684\u670b\u53cb\uff0c\u5230\u4e8662\u5c81\u4fbf\u6709\u8d44\u683c\u53d6\u5f97\u793e\u4f1a\u5b89\u5168\u9000\u4f11\u91d1\uff0c\u4f46\u91d1\u989d\u5c06\u4f1a\u7ec8\u751f\u51cf\u5c11\u5927\u7ea630%\u3002<\/p>\n<p><strong>\u5230\u5e95\u662f\u5426\u5e94\u8be5\u63d0\u65e9\u9886\u53d6\u793e\u5b89\u9000\u4f11\u91d1\u5462\uff1f<\/strong><\/p>\n<p>\u4e2a\u4eba\u7ecf\u6d4e\u4e0a\u7684\u9700\u8981\uff0c\u5f53\u7136\u662f\u7b2c\u4e00\u4e2a\u8003\u8651\u7684\u56e0\u7d20\u3002\u5176\u6b21\uff0c\u5e94\u8be5\u8003\u8651\u5bff\u6570\uff0c\u56e0\u4e3a\u5bff\u547d\u8d8a\u957f\uff0c\u63d0\u65e9\u9886\u53d6\u9000\u4f11\u91d1\u4fbf\u8d8a\u4e0d\u5229\uff0c\u53ef\u662f\u6ca1\u6709\u4eba\u80fd\u9884\u6d4b\u81ea\u5df1\u7684\u5bff\u6570\uff0c\u53ea\u6709\u4ece\u4e2a\u4eba\u7684\u5065\u5eb7\u60c5\u51b5\uff0c\u751a\u81f3\u5bb6\u65cf\u7684\u5bff\u6570\u8d44\u6599\u4e2d\u4f5c\u4f30\u8ba1\u3002\u7b2c\u4e09\u4e2a\u8003\u8651\u56e0\u7d20\uff0c\u662f\u5728\u8fbe\u5230\u201c\u5b8c\u5168\u9000\u4f11\u5e74\u9f84\u201d(\u901a\u5e38\u662f66\u5c81\u5de6\u53f3)\u524d\uff0c\u662f\u5426\u4f1a\u7ee7\u7eed\u5de5\u4f5c\u3002\u5728\u8fd9\u4e2a\u5e74\u9f84\u4e4b\u524d\uff0c\u5047\u5982\u5de5\u4f5c\u6536\u5165\u8d85\u8fc7$13,560\uff0c\u4fbf\u5f00\u59cb\u5bf9\u793e\u5b89\u9000\u4f11\u91d1\u91d1\u989d\u6709\u5f71\u54cd\uff0c\u6bcf\u8d85\u8fc7\u8fd9\u9650\u989d$2\uff0c\u4fbf\u51cf\u5c11\u9000\u4f11\u91d1$1\u3002\u8fbe\u5230\u201c\u5b8c\u5168\u9000\u4f11\u5e74\u9f84\u201d\u540e\uff0c\u4fbf\u4e0d\u5b58\u5728\u8fd9\u4e00\u95ee\u9898\u3002<\/p>\n<p>\u6709\u4e00\u6761\u9c9c\u4e3a\u4eba\u77e5\u9053\u7684\u6761\u4f8b\uff0c\u662f\u5047\u5982\u63d0\u524d\u9886\u53d6\u793e\u5b89\u9000\u4f11\u91d1\uff0c\u4f46\u5230\u4e86\u201c\u5b8c\u5168\u9000\u4f11\u5e74\u9f84\u201d\u65f6\u540e\u6094\uff0c\u53ea\u8981\u572812\u4e2a\u6708\u5185\u5c06\u8fc7\u53bb\u63d0\u524d\u9886\u53d6\u7684\u9000\u4f11\u91d1\u9000\u8fd8\u653f\u5e9c\uff0c\u4fbf\u53ef\u9886\u53d6\u6b63\u5e38\u7684\u9000\u4f11\u91d1\u91d1\u989d\uff0c\u8981\u9000\u8fd8\u7684\u91d1\u989d\u4e0d\u5305\u62ec\u4efb\u4f55\u5229\u606f\u6216\u7f5a\u91d1\u3002\u6240\u4ee5\u6709\u4e9b\u670b\u53cb\u8ba4\u4e3a\uff0c\u5e94\u8be5\u63d0\u53d6\u9886\u53d6\u9000\u4f11\u91d1\uff0c\u7136\u540e\u5c06\u91d1\u989d\u4f5c\u6295\u8d44\uff0c\u5c06\u6765\u5c06\u672c\u91d1\u9000\u8fd8\u653f\u5e9c\u3002\u4f46\u8fd9\u6837\u505a\u662f\u5426\u6709\u5229\uff0c\u9664\u4e86\u8981\u770b\u6295\u8d44\u7684\u6210\u7ee9\u5916\uff0c\u8fd8\u8981\u770b\u662f\u5426\u8d85\u8fc7\u4e0a\u8ff0\u6536\u5165\u9650\u989d\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u4e94\u3001\u793e\u4f1a\u5b89\u5168\u9000\u4f11\u5e74\u62a5\uff08Social Security Statement\uff09<\/strong><\/p>\n<p>\u60a8\u6bcf\u5e74\u751f\u65e5\u524d\u5927\u7ea6\u4e24\u4e2a\u6708\uff0c\u4f1a\u6536\u5230\u7531\u793e\u4f1a\u5b89\u5168\u5c40\u5bc4\u7ed9\u60a8\u7684\u4e00\u4efd\u5e74\u62a5\uff08<span style=\"text-decoration: underline;\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/www.ssa.gov\/myaccount\/materials\/pdfs\/SSA-7005-SM-SI%20Wanda%20Worker%20Near%20retirement.pdf\">\u6837\u672c<\/a><\/span><\/span>\uff09\uff0c\u4e0a\u9762\u5217\u51fa\u60a8\u5386\u5e74\u7684\u5de5\u8d44\u53ca\u5df2\u7ecf\u62e5\u6709\u7684\u201c\u70b9\u6570\u201d\uff08Social Security Credit\uff09\u3002\u5047\u5982\u60a8\u5df2\u7ecf\u8fbe\u523040\u4e2a\u201c\u70b9\u6570\u201d\u6216\u4ee5\u4e0a\uff0c\u793e\u5b89\u5c40\u4fbf\u4f1a\u4e3a\u60a8\u5217\u51fa\u9000\u4f11\u91d1\u91d1\u989d\u3002\u7b2c\u4e00\u4e2a\u6570\u5b57\u662f\u5230\u8fbe\u201c\u5b8c\u5168\u9000\u4f11\u5e74\u9f84\u201d\u65f6\u53d6\u5f97\u7684\u9000\u4f11\u91d1\uff0c\u7b2c\u4e8c\u6570\u5b57\u662f70\u5c81\u624d\u7533\u8bf7\u9000\u4f11\u91d1\u4f1a\u83b7\u5f97\u7684\u6bcf\u6708\u91d1\u989d\uff0c\u7b2c\u4e09\u4e2a\u662f62\u5c81\u65f6\u63d0\u524d\u9886\u53d6\u9000\u4f11\u91d1\u7684\u91d1\u989d\u3002<\/p>\n<p>\u6709\u4e9b\u4eba\u8bef\u4f1a\uff0c\u4ee5\u4e3a\u5df2\u7ecf\u8d5a\u53d6\u8fd9\u4e9b\u9000\u4f11\u91d1\uff0c\u5373\u4f7f\u73b0\u5728\u505c\u6b62\u5de5\u4f5c\uff0c\u5230\u65f6\u4e5f\u4f1a\u53d6\u5f97\u8fd9\u4e2a\u91d1\u989d\u7684\u9000\u4f11\u91d1\u3002\u4ea6\u6709\u4e9b\u4eba\u4ee5\u4e3a\uff0c\u7531\u4e8e\u81ea\u5df1\u7ee7\u7eed\u5de5\u4f5c\u548c\u7f34\u4ea4\u793e\u4f1a\u5b89\u5168\u7a0e\uff0c\u9000\u4f11\u91d1\u91d1\u989d\u5e94\u8be5\u9010\u5e74\u4e0a\u5347\uff0c\u56e0\u6b64\u5f53\u4ed6\u4eec\u89c1\u5230\u9000\u4f11\u91d1\u91d1\u989d\u6bd4\u53bb\u5e74\u4e0b\u964d\uff0c\u4fbf\u4f1a\u767e\u601d\u4e0d\u5f97\u5176\u89e3\u3002<\/p>\n<p>\u5173\u952e\u662f\u8fd9\u4e9b\u9000\u4f11\u91d1\u91d1\u989d\u53ea\u662f<strong>\u4f30\u8ba1<\/strong>\uff0c\u800c\u4e14\u662f\u5047\u5b9a\u60a8\u4e00\u76f4\u5de5\u4f5c\u5230\u9000\u4f11\uff0c\u800c\u4e14\u6bcf\u5e74\u6536\u5165\u90fd\u4e0e\u8fc7\u53bb\u4e24\u5e74\u7684\u5e73\u5747\u6536\u5165\u76f8\u7ea6\u3002\u5047\u5982\u60a8\u4eca\u5e74\u6536\u5165\u6bd4\u8fd9\u4e2a\u5e73\u5747\u6536\u5165\u7a0d\u4f4e\uff0c\u9000\u4f11\u91d1\u6570\u5b57\u4fbf\u4f1a\u4e0b\u8dcc\uff0c\u5f53\u7136\u5047\u5982\u60a8\u7531\u73b0\u5728\u5f00\u59cb\u4fbf\u505c\u6b62\u5de5\u4f5c\uff0c\u60a8\u6bcf\u5e74\u7684\u9000\u4f11\u91d1\u4f30\u8ba1\u91d1\u989d\u4fbf\u4f1a\u9010\u5e74\u4e0b\u8dcc\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u4e94\u3001\u914d\u5076\u4e0e\u793e\u5b89\u798f\u5229<\/strong><\/p>\n<p>\u4e0d\u591f\u56db\u5341\u4e2a\u5de5\u4f5c\u70b9(CREDIT)\u7684\u670b\u53cb\uff0c\u662f\u53ef\u4ee5\u51ed\u8457\u62e5\u670940\u4e2a\u70b9\u7684\u914d\u5076\u5f97\u5230\u793e\u4f1a\u5b89\u5168\u798f\u5229\uff0c\u5305\u62ec\u9000\u4f11\u91d1\u548c\u533b\u7597\u4fdd\u9669\u3002<\/p>\n<p>\u53ea\u8981\u5df2\u7ecf\u7ed3\u5a5a\u8d77\u7801\u5341\u5e74\uff0c\u5373\u4f7f\u79bb\u5a5a\u540e\uff0c\u53ea\u8981\u672a\u518d\u5a5a\uff0c\u4f9d\u7136\u53ef\u4ee5\u53d6\u5f97\u524d\u914d\u5076\u793e\u5b89\u9000\u4f11\u91d1\u4e00\u534a\u3002\u8fd9\u4e2a\u798f\u5229\u5373\u4f7f\u524d\u914d\u5076\u4ecd\u5065\u5728\uff0c\u751a\u81f3\u5bf9\u65b9\u5df2\u7ecf\u518d\u7ed3\u5a5a\uff0c\u53ea\u8981\u81ea\u5df1\u672a\u518d\u5a5a\u4fbf\u6709\u8d44\u683c\u3002\u5047\u5982\u524d\u914d\u5076\u5df2\u7ecf\u8fc7\u8eab\uff0c\u60a8\u8fd8\u53ef\u4ee5\u63d0\u524d\u5728\u516d\u5341\u5c81\u4fbf\u53d6\u5f97\u9000\u4f11\u91d1\uff0c\u6bd4\u4e00\u822c\u516d\u5341\u4e8c\u5c81\u63d0\u524d\u9886\u9000\u4f11\u91d1\u8fd8\u8981\u65e9\u4e24\u5e74\u3002<\/p>\n<p>\u53ea\u8981\u592b\u5987\u4e8c\u4eba\u5176\u4e2d\u4e00\u4eba\u5408\u4e4e\u8d44\u683c\uff0c\u5176\u914d\u5076\u4ea6\u53ef\u4ee5\u56e0\u6b64\u800c\u62ff\u5230\u533b\u7597\u4fdd\u9669\u3002\u4e0d\u8fc7\u8fd9\u4f4d\u4e0d\u5408\u8d44\u683c\u7684\u914d\u5076\uff0c\u4e00\u5b9a\u8981\u5728\u516d\u5341\u4e94\u5c81\u624d\u53ef\u4ee5\u62ff\u5230\u533b\u7597\u4fdd\u9669\u3002\u5047\u5b9a\u5408\u8d44\u683c\u7684\u914d\u5076\u662f\u672a\u8db3\u516d\u5341\u4e94\u5c81\uff0c\u4f46\u662f\u53e6\u5916\u4e00\u4f4d\u4e0d\u5408\u8d44\u683c\u7684\u914d\u5076\uff0c\u5df2\u7ecf\u8fbe\u5230\u516d\u5341\u4e94\u5c81\uff0c\u90a3\u8fd9\u4f4d\u914d\u5076\u662f\u5426\u53ef\u4ee5\u81ea\u5df1\u5148\u62ff\u5230\u533b\u7597\u4fdd\u9669\u5462\uff1f<\/p>\n<p>\u7b54\u6848\u662f\ufe55\u672a\u5fc5\u4e00\u5b9a\uff0c\u8981\u89c6\u4e4e\u90a3\u4f4d\u5408\u8d44\u683c\u7684\u914d\u5076\u5e74\u9f84\u662f\u5426\u8d85\u8fc7\u516d\u5341\u4e8c\u5c81\u3002\u5982\u679c\u662f\u5728\u516d\u5341\u4e8c\u5c81\u4ee5\u4e0b\uff0c\u90a3\u53e6\u5916\u4e00\u4f4d\u4e0d\u5408\u4e4e\u8d44\u683c\u7684\u914d\u5076\uff0c\u5373\u4f7f\u672c\u8eab\u5df2\u7ecf\u5e74\u7eaa\u5df2\u7ecf\u8fbe\u5230\u516d\u5341\u4e94\u5c81\uff0c\u90fd\u662f\u672a\u80fd\u591f\u62ff\u5230\u533b\u7597\u4fdd\u9669\u3002\u4f46\u662f\u82e5\u5408\u4e4e\u8d44\u683c\u7684\u914d\u5076\uff0c\u5df2\u7ecf\u5728\u516d\u5341\u4e8c\u5c81\u6216\u4ee5\u4e0a\uff0c\u90a3\u4e0d\u5408\u8d44\u683c\u7684\u914d\u5076\uff0c\u5728\u516d\u5341\u4e94\u5c81\u4e4b\u5e74\uff0c\u5c31\u53ef\u4ee5\u5f00\u59cb\u62ff\u5230\u533b\u7597\u4fdd\u9669\uff0c\u5305\u62ecPart A\u4f4f\u9662\u4fdd\u9669\u548cPart B\u770b\u533b\u751f\u7684\u4fdd\u9669\u3002<\/p>\n<p><strong>\u516d\u3001\u9057\u5c5e\u798f\u5229<\/strong><\/p>\n<p>\u793e\u4f1a\u5b89\u5168\u9000\u4f11\u5236\u5ea6\u88e1\u9762\uff0c\u6709\u4e00\u4e2a\u201c\u9057\u5c5e\u798f\u5229\u201d(SURVIVORS BENEFIT)\u9879\u76ee\uff0c\u8ba9\u6709\u53c2\u52a0\u793e\u5b89\u4fdd\u9669\u7684\u4eba\uff0c\u5373\u4f7f\u672a\u5de5\u4f5c\u591f\u5341\u5e74\uff0c\u4e07\u4e00\u4e0d\u5e78\u53bb\u4e16\uff0c\u5bb6\u4eba\u4e5f\u9a6c\u4e0a\u53ef\u4ee5\u5f97\u5230\u793e\u4f1a\u5b89\u5168\u798f\u5229\uff0c\u5305\u62ec\u5341\u516b\u5c81\u4ee5\u4e0b\u7684\u5b50\u5973\u53ef\u4ee5\u6309\u6708\u5f97\u5230\u73b0\u91d1\u798f\u5229\uff0c\u5047\u5982\u914d\u5076\u8981\u5728\u5bb6\u7167\u987e\u5b69\u5b50\uff0c\u4e5f\u53ef\u4ee5\u83b7\u5f97\u73b0\u91d1\u798f\u5229\uff0c\u751a\u81f3\u6709\u4f9d\u9760\u6b7b\u8005\u4f9b\u517b\u7684\u7236\u6bcd\uff0c\u53ea\u8981\u5728\u516d\u5341\u4e8c\u5c81\u6216\u4ee5\u4e0a\uff0c\u90fd\u6709\u53ef\u80fd\u53d6\u5f97\u73b0\u91d1\u798f\u5229\u3002<\/p>\n<p>\u53ef\u662f\uff0c\u8981\u5f97\u5230\u8fd9\u7c7b\u798f\u5229\uff0c<strong>\u592b\u5987\u5fc5\u987b\u5df2\u7ecf\u7ed3\u5a5a\u8d77\u7801\u4e5d\u4e2a\u6708<\/strong>\uff0c<strong>\u9664\u975e\u6b7b\u4ea1\u539f\u56e0\u662f\u610f\u5916<\/strong>\u3002\u6700\u8fd1\u89c1\u5230\u6709\u4e00\u4e2a\u5bb6\u5ead\uff0c\u592b\u5987\u4e00\u5411\u6ca1\u6709\u6b63\u5f0f\u7ed3\u5a5a\uff0c\u5bb6\u4e2d\u6709\u51e0\u4e2a\u5b69\u5b50\uff0c\u4e08\u592b\u4e0d\u5e78\u56e0\u75c5\u53bb\u4e16\uff0c\u6b7b\u4ea1\u524d\u51e0\u4e2a\u6708\u624d\u53bb\u529e\u7406\u7ed3\u5a5a\u624b\u7eed\uff0c\u672a\u591f\u4e5d\u4e2a\u6708\uff0c\u6240\u4ee5\u9057\u5c5e\u6781\u53ef\u80fd\u53d6\u4e0d\u5230\u201c\u9057\u5c5e\u798f\u5229\u201d\u3002<\/p>\n<p>\u5047\u5982\u7ed3\u5a5a\u672a\u591f\u4e5d\u4e2a\u6708\uff0c\u4ea6\u6709\u51e0\u4e2a\u4f8b\u5916\u60c5\u51b5\u53ef\u4ee5\u4ee4\u9057\u5c5e\u5f97\u5230\u798f\u5229\uff0c\u5c31\u662f\u5047\u5982\u592b\u5987\u4e24\u4eba\u6709\u81ea\u5df1\u7684\u5b69\u5b50\u3002\u5047\u5982\u5b50\u5973\u662f\u53cc\u65b9\u4ee5\u524d\u5a5a\u59fb\u6240\u751f\u4e0b\u7684\uff0c\u5fc5\u987b\u505a\u624b\u7eed\u53bb\u6b63\u5f0f\u9886\u517b\u5bf9\u65b9\u7684\u5b69\u5b50\uff0c\u624d\u53ef\u4ee5\u5728\u7ed3\u5a5a\u4e0d\u5230\u4e5d\u4e2a\u6708\u4fbf\u53ef\u4ee5\u5f97\u5230\u201c\u9057\u5c5e\u798f\u5229\u201d\u3002<\/p>\n<p><strong>\u4e03\u3001\u793e\u5b89\u9000\u4f11\u91d1\u7a0e\u52a1\u95ee\u9898<\/strong><\/p>\n<p><strong>1\u3001\u201c\u793e\u4f1a\u5b89\u5168\u9000\u4f11\u91d1\u201d\u662f\u5426\u9700\u8981\u4ed8\u7a0e\u5462\uff1f<\/strong><\/p>\n<p>\u5047\u5982\u60a8\u5168\u90e8\u6216\u5927\u90e8\u4efd\u6536\u5165\u90fd\u662f\u793e\u5b89\u9000\u4f11\u91d1\uff0c\u8fd9\u4e9b\u9000\u4f11\u91d1\u662f\u5b8c\u5168\u4e0d\u9700\u8981\u4ed8<strong>\u8054\u90a6\u7a0e<\/strong>\u7684\u3002\u5373\u4f7f\u60a8\u5728\u9000\u4f11\u91d1\u4ee5\u5916\u6709\u5176\u4ed6\u6536\u5165\uff0c\u4e5f\u4e0d\u4e00\u5b9a\u4f1a\u5bfc\u81f4\u793e\u5b89\u9000\u4f11\u91d1\u8981\u4ed8\u7a0e\u3002\u5373\u4f7f\u8981\u4ed8\u7a0e\uff0c\u4e5f\u53ea\u6709\u90e8\u4efd\u9000\u4f11\u91d1\u9700\u8981\u5728\u5f53\u5e74\u62a5\u7a0e\u8868\u4e0a\u88ab\u5f53\u4e3a\u6536\u5165\u4ed8\u7a0e\u3002<\/p>\n<p>\u8981\u8ba1\u7b97<span style=\"text-decoration: underline;\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/www.ssa.gov\/planners\/taxes.html\">\u793e\u5b89\u9000\u4f11\u91d1\u662f\u5426\u8981\u4ed8\u7a0e<\/a><\/span><\/span>\uff0c\u9996\u5148\u8981\u5c06<strong>\u9000\u4f11\u91d1\u7684\u4e00\u534a<\/strong>\uff0c<strong>\u52a0\u4e0a\u5176\u4ed6\u6536\u5165<\/strong>\uff0c\u5047\u5982\u592b\u5987\u5171\u540c\u62a5\u7a0e\uff0c\u8fd9\u4e2a\u91d1\u989d\u82e5\u5728$32,000\u4ee5\u4e0b\uff0c\u5219\u5168\u90e8\u793e\u5b89\u9000\u4f11\u91d1\u514d\u7a0e\uff1b\u5047\u5982\u662f\u5355\u8eab\u4eba\u58eb\uff0c\u53ea\u8981\u8fd9\u4e2a\u91d1\u989d\u4e0d\u8d85\u8fc7$25,000\uff0c\u4fbf\u5b8c\u5168\u65e0\u9700\u4e3a\u9000\u4f11\u91d1\u7f34\u7a0e\u3002<\/p>\n<p>\u5047\u5982\u8fd9\u4e2a\u91d1\u989d\u8d85\u8fc7\u4ee5\u4e0a\u91d1\u989d\uff0c\u90e8\u4efd\u793e\u5b89\u9000\u4f11\u91d1\u4fbf\u8981\u5f53\u70ba\u6536\u5165\u4ed8\u7a0e\u3002<strong>\u5df2\u5a5a\u5171\u540c\u62a5\u7a0e\u8005<\/strong>\uff0c\u91d1\u989d\u5728$32,000\u4ee5\u4e0a\uff0c\u4f46\u4e0d\u8d85\u8fc7$44,000\uff0c\u5219\u6700\u9ad8\u793e\u5b89\u9000\u4f11\u91d1<strong>\u4e00\u534a<\/strong>\u8981\u5f53\u4e3a\u6536\u5165\u7f34\u7a0e\uff0c\u5047\u5982\u91d1\u989d\u8d85\u8fc7$44,000\uff0c\u5219\u6709\u53ef\u80fd85%\u793e\u5b89\u9000\u4f11\u91d1\u9700\u8981\u7f34\u7a0e\u3002\u5355\u8eab\u4eba\u58eb\uff0c\u5047\u5982\u91d1\u989d\u5728$34,000\u4ee5\u4e0a\uff0c\u4fbf\u6709\u53ef\u80fd85%\u9000\u4f11\u91d1\u9700\u8981\u7f34\u7a0e\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>2\u3001\u9000\u4f11\u91d1\u662f\u5426\u6709\u8d44\u4ea7\u4fdd\u969c\uff1f<\/strong><\/p>\n<p>\u5df2\u7ecf\u9000\u4f11\u7684\u670b\u53cb\uff0c\u5047\u5982\u9047\u5230\u8bc9\u8bbc\u6216\u6b20\u503a\uff0c\u6216\u53d1\u751f\u5176\u4ed6\u7ecf\u6d4e\u5371\u673a\u3001\u88ab\u4eba\u63a7\u544a\u751a\u81f3\u53ef\u80fd\u8981\u5ba3\u5e03\u7834\u4ea7\uff0c\u9000\u4f11\u91d1\u662f\u5426\u4f1a\u83b7\u5f97\u4fdd\u969c\u5462\uff1f<strong>\u5927\u90e8\u4efd\u516c\u53f8\u63d0\u4f9b\u7684\u9000\u4f11\u8ba1\u5212\uff0c\u5305\u62ec401(K)\u4e4b\u7c7b\u7684\u8ba1\u5212<\/strong>\uff0c\u90fd\u662f\u5728\u8054\u90a6\u9000\u4f11\u6cd5\u4f8b(ERISA)\u8303\u56f4\u4e4b\u5185\uff0c\u503a\u6743\u4eba\u662f\u65e0\u6cd5\u53d6\u5f97\uff0c\u4ea6\u5373\u5f97\u5230\u4fdd\u969c\u3002\u7f8e\u56fd\u6700\u9ad8\u6cd5\u9662\u57281992\u5e74\u548c2004\u5e74\u90fd\u66fe\u5224\u51b3\uff0c\u6e05\u695a\u5730\u4fdd\u969c\u9000\u4f11\u91d1\uff0c\u4e0d\u5728\u7834\u4ea7\u65f6\u88ab\u503a\u6743\u4eba\u53d6\u5f97\u3002\u6700\u9ad8\u6cd5\u9662\u8fd1\u5e74\u6709\u4e00\u9879\u5224\u51b3\uff0c\u5c06\u4e2a\u4eba\u9000\u4f11\u5e10\u6237(IRA)\u4e5f\u52a0\u4ee5\u4fdd\u969c\uff0c\u7406\u7531\u662f\u8fd9\u7c7b\u50a8\u84c4\u5e10\u6237\u4e0e\u6b20\u503a\u4eba\u7684\u5e74\u9f84\u6709\u5173\uff0c\u7531\u4e8e\u5728\u516d\u5341\u5c81\u4e4b\u524d\u4f5c\u63d0\u53d6\u6237\u4e3b\u8981\u4ed8\u7f5a\u91d1\uff0c\u6240\u4ee5\u5047\u5982\u8981\u6c42\u6b20\u503a\u4eba\u7528\u9000\u4f11\u50a8\u84c4\u5f52\u8fd8\u6b20\u503a\u662f\u4e0d\u516c\u5e73\u7684\u3002<\/p>\n<p><strong>\u793e\u4f1a\u5b89\u5168\u9000\u4f11\u91d1<\/strong>\u662f\u5426\u4ea6\u83b7\u5f97\u4fdd\u969c\u5462\uff1f\u8001\u4eba\u91d1(<span style=\"text-decoration: underline;\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/www.ssa.gov\/disabilityssi\/ssi.html\">SSI<\/a><\/span><\/span>)\u662f\u83b7\u5f97\u7edd\u5bf9\u4fdd\u969c\u7684\uff0c\u6839\u636e\u793e\u5b89\u6cd5\u4f8b\u7b2c207\u6761\uff0c\u793e\u5b89\u9000\u4f11\u91d1(SOCIAL SECURITY)\u4ea6\u83b7\u5f97\u4fdd\u969c\uff0c\u4e0d\u4f1a\u88ab\u503a\u6743\u4eba\u53d6\u5f97\uff0c\u4f46\u8be5\u9879\u4fdd\u969c\u6709<strong>\u51e0\u4e2a\u4f8b\u5916\u7684\u60c5\u51b5<\/strong>\uff0c\u5305\u62ec\ufe55\u6b20\u4e0b\u201c\u629a\u517b\u5b69\u7ae5\u201d\u6216\u79bb\u5a5a\u8d61\u517b\u8d39\u3001\u6b20\u8054\u90a6\u56fd\u7a0e\u5c40\u7a0e\u6b3e\uff0c\u6b20\u8054\u90a6\u653f\u5e9c\u5176\u4ed6\u90e8\u95e8\u503a\u52a1\u7b49\uff0c\u6240\u4ee5\u867d\u7136\u793e\u5b89\u9000\u4f11\u91d1\u4e5f\u6709\u8d44\u4ea7\u4fdd\u969c\uff0c\u4f46\u4fdd\u969c\u7a0b\u5ea6\u7a0d\u4e3a\u4e0d\u53ca\u5176\u4ed6\u9000\u4f11\u91d1\u3002<\/p>\n<p><strong>3\u3001\u5916\u56fd\u4eba\u4e0e\u793e\u5b89\u7a0e<\/strong><\/p>\n<p>\u5728\u7f8e\u56fd\u751f\u6d3b\u7684\u4eba\uff0c\u4e0d\u8bba\u6253\u5de5\u6216\u505a\u751f\u610f\uff0c\u5927\u90e8\u4efd\u4eba\u8981\u7f34\u4ea4\u793e\u4f1a\u5b89\u5168\u7a0e\uff0c\u5373FICA\u6216Self-employment Tax\u3002\u505a\u5de5\u8005\uff0c\u50f1\u4e3b\u53ca\u50f1\u5458\u6bcf\u4eba\u8981\u4ed8\u51fa\u4e00\u534a\u793e\u5b89\u7a0e\uff0c\u81ea\u50f1\u8005\u5219\u5168\u6570\u81ea\u4ed8\u3002<\/p>\n<p>\u8fd9\u9879\u7a0e\u52a1\u662f\u4e3a\u5927\u5bb6\u5c06\u6765\u9000\u4f11\u798f\u5229\u4f5c\u50a8\u84c4\uff0c\u4f46\u4e00\u4e9b\u6301\u6709\u975e\u79fb\u6c11\u7b7e\u8bc1\uff0c\u800c\u5728\u7f8e\u56fd\u505a\u4e8b\u8005\uff0c\u4ed6\u4eec\u5c06\u6765\u5e76\u975e\u5728\u7f8e\u56fd\u9000\u4f11\uff0c\u8fd9\u79cd\u60c5\u51b5\u4e2d\uff0c\u4ed6\u4eec\u662f\u5426\u9700\u8981\u4ea4\u793e\u5b89\u7a0e\u5462\uff1f\u82e5\u5df2\u7f34\u4ea4\uff0c\u4ed6\u4eec\u5c06\u6765\u79bb\u5f00\u7f8e\u56fd\u524d\uff0c\u80fd\u5426\u53d6\u56de\u6709\u5173\u5229\u76ca\uff1f<\/p>\n<p>\u6839\u636e\u7f8e\u56fd\u7a0e\u4f8b\u7b2c3101\u53ca3111\u6761\u6587\u4e2d\uff0c\u89c4\u5b9a\u5728\u7f8e\u56fd\u5de5\u4f5c\u8005\uff0c\u90fd\u8981\u4ed8FICA\u6216Self-employment Tax\uff0c\u4f46\u6709\u6570\u7c7b\u4e34\u65f6\u7b7e\u8bc1\uff0c\u662f\u6e05\u695a\u8bf4\u660e<span style=\"text-decoration: underline;\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/www.irs.gov\/individuals\/international-taxpayers\/foreign-student-liability-for-social-security-and-medicare-taxes\">\u65e0\u987b\u7f34\u4ea4FICA\u7a0e\u9879<\/a><\/span><\/span>\uff1b\u5f53\u4e2d\u5305\u62ec\u6301\u6709F-1\u53caM-1\u7b7e\u8bc1\u7684\u7559\u5b66\u751f\uff0c\u4ea4\u6362\u5b66\u8005\u7684J1\u7b7e\u8bc1\u53ca\u6587\u5316\u4ea4\u6d41Q1\u7b7e\u8bc1\u8005\u3002\u9664\u4e0a\u8ff0\u6570\u9879\u4e34\u65f6\u7b7e\u8bc1\u5916\uff0c\u5176\u4ed6\u6301\u6709H1\u3001L1\u6216TN\u7b49\u7c7b\u522b\u7b7e\u8bc1\u5de5\u4f5c\u8005\uff0c\u90fd\u5fc5\u987b\u7f34\u4ea4FICA\uff0c\u5c06\u6765\u4ea6\u65e0\u6cd5\u53d6\u56de\u6709\u5173\u798f\u5229\u3002<\/p>\n<p>\u7a0e\u4f8b\u4e0a\u4e5f\u63d0\u53ca\u4e00\u4e9b\u5916\u7c4d\u4eba\u58eb\uff0c\u88ab\u5916\u56fd\u516c\u53f8\u6d3e\u5230\u7f8e\u56fd\u5de5\u4f5c\uff0c\u800c\u4ed6\u4eec\u8981\u5728\u5916\u56fd\u7ee7\u7eed\u7f34\u4ed8\u7c7b\u4f3cFICA\u7684\u7a0e\u9879\uff0c\u4ed6\u4eec\u5c31\u53ef\u4ee5\u63d0\u51fa\u8bc1\u660e\uff0c\u6765\u83b7\u5f97\u8c41\u514dFICA\u7a0e\uff1b\u4f46\u76ee\u524d\u53ea\u6709\u5341\u516b\u4e2a\u4e0e\u7f8e\u56fd\u6709\u534f\u8bae\u7684\u56fd\u5bb6\u5c45\u6c11\uff0c\u624d\u53ef\u4ee5\u4f7f\u7528\u6b64\u7a0e\u4f8b\uff0c\u5176\u4e2d\u5305\u62ec\u82f1\u56fd\u3001\u52a0\u62ff\u5927\uff1b\u4f46\u9999\u6e2f\u3001\u4e2d\u56fd\u53ca\u53f0\u6e7e\u5219\u65e0\u6b64\u534f\u8bae\u3002<\/p>\n<p><strong>4\u3001\u7559\u5b66\u751f\u5de5\u4f5c\u514d\u6263\u793e\u5b89\u7a0e<\/strong><\/p>\n<p>\u6709\u4e9b\u6301\u6709\u7559\u5b66\u751f\u7b7e\u8bc1\uff08F-1 VISA\uff09\u4eba\u58eb\uff0c\u867d\u7136\u5e73\u65f6\u4e0d\u80fd\u5de5\u4f5c\uff0c\u4f46\u4ea6\u6709\u53ef\u80fd\u5728\u4e00\u4e9b\u7279\u522b\u60c5\u51b5\u4e0b\u505a\u5de5\uff0c\u4f8b\u5982\u5728\u6bd5\u4e1a\u540e\u7684\u5b9e\u4e60(PRACTICAL TRAINING)\u671f\u95f4\uff0c\u5c06\u4f1a\u6536\u5230\u85aa\u91d1\u3002<\/p>\n<p>\u8fd9\u4e9b\u6301\u5b66\u751f\u7b7e\u8bc1\u7684\u670b\u53cb\uff0c\u50f1\u4e3b\u867d\u7136\u7167\u5e38\u8981\u9884\u5148\u6263\u8d77\u8054\u90a6\u548c\u5dde\u6536\u5165\u7a0e\uff0c\u4f46\u4ed6\u4eec\u4e0d\u5fc5\u4ed8\u793e\u4f1a\u5b89\u5168\u7a0e(FICA)\uff0c\u4e5f\u4e0d\u5fc5\u4ed8MEDICARE\u548c\u8054\u90a6\u5931\u4e1a\u4fdd\u9669\u7a0e(FUTA)\u3002\u7531\u4e8e\u50f1\u4e3b\u901a\u5e38\u90fd\u4e0d\u662f\u90a3\u4e48\u719f\u6089\u6709\u5173\u7559\u5b66\u751f\u7684\u7a0e\u4f8b\u3002\u6709\u4e9b\u516c\u53f8\u6709\u8058\u8bf7\u6301\u6709H-1B\u7b7e\u8bc1\u7684\u5458\u5de5\uff0c\u867d\u7136\u8fd9\u4e9b\u5458\u5de5\u90fd\u6ca1\u6709\u6c38\u4e45\u5c45\u6c11\u8d44\u683c\uff0c\u4f46\u4ed6\u4eec\u7684\u7a0e\u52a1\u4e0e\u4e00\u822c\u7f8e\u56fd\u7eb3\u7a0e\u4eba\u76f8\u540c\uff0c\u50f1\u4e3b\u53ef\u80fd\u4ee5\u4e3a\u6301\u6709F-1\u7b7e\u8bc1\u7684\u4e5f\u662f\u4e00\u6837\uff0c\u6240\u4ee5\u60a8\u5e94\u8be5\u4e3b\u52a8\u63d0\u9192\u50f1\u4e3b\u3002<\/p>\n<p>\u5047\u5982\u50f1\u4e3b\u4e3a\u7559\u5b66\u751f\u6263\u8d77\u4e86\u4e0d\u5e94\u8be5\u6263\u7684\u7a0e\uff0c\u600e\u6837\u624d\u53ef\u4ee5\u53d6\u56de\u5462\uff1f\u50f1\u4e3b\u6216\u50f1\u5458\u90fd\u53ef\u4ee5\u586b\u56fd\u7a0e\u5c40<span style=\"text-decoration: underline;\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/www.google.com\/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=1&amp;cad=rja&amp;uact=8&amp;ved=0ahUKEwjUm_78saTPAhWIWz4KHe-8AuUQFggcMAA&amp;url=https%3A%2F%2Fwww.irs.gov%2Fpub%2Firs-pdf%2Ff843.pdf&amp;usg=AFQjCNFCQuldYGIjNCS--rznDhlN2taiDg&amp;sig2=SsbKi1e6Hcp3OPa9bjf5Xw\">\u7b2c843\u53f7\u8868\u683c<\/a><\/span><\/span>\uff0c\u8fde\u540c\u7b7e\u8bc1\u6587\u4ef6\u8bc1\u660e\uff0c\u53ca\u4f8b\u5982W-2\u4e4b\u7c7b\u7684\u6587\u4ef6\uff0c\u8bc1\u660e\u88ab\u6263\u8d77FICA\u548cFUTA\u7a0e\uff0c\u7136\u540e\u5bc4\u5165\u56fd\u7a0e\u5c40\uff0c\u4fbf\u53ef\u4ee5\u53d6\u56de\u7a0e\u6b3e\u3002<\/p>\n<p>\u4ee5\u4e0a\u514d\u6263FICA\u548cFUTA\u7a0e\u7684\u6761\u4f8b\uff0c\u9664\u4e86\u9002\u5408\u6301F-1\u7b7e\u8bc1\u7684\u7559\u5b66\u751f\u5916\uff0c\u4e5f\u9002\u7528\u4e8e\u6301J-1\uff0cM-1\u6216Q-1\u7b7e\u8bc1\u8005\u3002<\/p>\n<p><strong>5\u3001\u5c45\u4f4f\u6d77\u5916\u4e0e\u793e\u5b89\u9000\u4f11\u91d1<\/strong><\/p>\n<p>\u9000\u4f11\u4e4b\u540e\u5047\u5982\u51b3\u5b9a\u8fc1\u5c45\u5230\u56fd\u5916\uff0c\u4f8b\u5982\u642c\u5230\u9999\u6e2f\u6216\u4e2d\u56fd\u5927\u9646\u5b9a\u5c45\uff0c\u5047\u5b9a\u5df2\u7ecf\u62e5\u6709\u8d77\u780140\u5b63\u5ea6\u70b9\u6570\uff0c\u662f\u5426\u53ef\u4ee5\u7ee7\u7eed\u5728\u56fd\u5916\u9886\u53d6\u793e\u4f1a\u5b89\u5168\u9000\u4f11\u91d1\u5462\uff1f<\/p>\n<p>\u5047\u5982\u60a8\u662f<strong>\u7f8e\u56fd\u516c\u6c11<\/strong>\uff0c\u53ea\u8981\u4e0d\u662f\u5b9a\u5c45\u5728\u53e4\u5df4\u6216\u5317\u97e9\uff0c\u5373\u4f7f\u957f\u671f\u5728\u6d77\u5916\u5c45\u4f4f\uff0c\u90fd\u53ef\u4ee5\u8981\u6c42\u653f\u5e9c\uff0c\u6309\u6708\u5c06\u9000\u4f11\u91d1\u5bc4\u5230\u56fd\u5916\u7684\u5730\u5740\uff1b\u5982\u679c\u94f6\u884c\u5e10\u6237\u8bbe\u5728\u9999\u6e2f\u6216\u65e5\u672c\uff0c\u653f\u5e9c\u66f4\u53ef\u4ee5\u5c06\u9000\u4f11\u91d1\uff0c\u4ee5\u81ea\u52a8\u8f6c\u5e10\u65b9\u5f0f\u9001\u5230\u6237\u53e3\u5185\uff0c\u4f46\u8bbe\u5728\u5176\u4ed6\u4e9a\u6d32\u56fd\u5bb6\u7684\u94f6\u884c\u5e10\u6237\u5219\u4e0d\u80fd\u81ea\u52a8\u8f6c\u5e10\u3002<\/p>\n<p>\u5047\u5982\u60a8<strong>\u4e0d\u662f\u7f8e\u56fd\u516c\u6c11<\/strong>\uff0c\u4fbf\u6709\u53ef\u80fd\u65e0\u6cd5\u5728\u6d77\u5916\u53d6\u5f97\u793e\u5b89\u9000\u4f11\u91d1\u3002\u8fd9\u4e2a\u6761\u4f8b\u6709\u4e00\u4e9b\u4f8b\u5916\u7684\u60c5\u51b5\u3002\u6709\u4e00\u4e9b\u56fd\u5bb6\u7684\u516c\u6c11\uff0c\u957f\u671f\u5c45\u4f4f\u5728\u6d77\u5916\u4e5f\u53ef\u4ee5\u9886\u53d6\u793e\u5b89\u9000\u4f11\u91d1\uff0c\u4f46\u4e2d\u56fd\u5927\u9646\u3001\u9999\u6e2f\u3001\u6fb3\u95e8\u3001\u53f0\u6e7e\u516c\u6c11\u4e0d\u5305\u62ec\u5728\u5185\u3002\u56e0\u6b64\uff0c\u4e2d\u56fd\u5927\u9646\u3001\u9999\u6e2f\u3001\u6fb3\u95e8\u548c\u53f0\u6e7e\u516c\u6c11\u5373\u4f7f\u6709\u7f8e\u56fd\u6c38\u4e45\u5c45\u7559\u6743(\u7eff\u5361)\uff0c\u4e5f\u5728\u7f8e\u56fd\u5de5\u4f5c\u5341\u5e74\u4ee5\u4e0a\uff0c<strong>\u79bb\u5f00\u7f8e\u56fd\u8d85\u8fc76\u4e2a\u6708\u793e\u5b89\u9000\u4f11\u91d1\u4fbf\u4f1a\u505c\u6b62<\/strong>\u3002\u5176\u5b9e\u53ea\u8981\u60a8\u8fde\u7eed\u79bb\u5f00\u7f8e\u56fd\u56fd\u588330\u5929\uff0c\u4fbf\u5df2\u7ecf\u7b97\u662f\u79bb\u5f00\u7f8e\u56fd\u4e86\uff0c\u5c06\u6765\u56de\u5230\u7f8e\u56fd\u540e\u8981\u8fde\u7eed\u5c45\u4f4f\u8d77\u780130\u5929\u624d\u7b97\u56de\u5230\u7f8e\u56fd\u3002<\/p>\n<p><strong>6\u3001\u7f8e\u56fd\u793e\u5b89\u5236\u5ea6\u5b89\u5168\u5417\uff1f<\/strong><\/p>\n<p>\u8bb8\u591a\u4eba\u5fc3\u4e2d\u6709\u4e00\u4e2a\u7591\u96be\uff0c\u5c31\u662f\u5230\u60a8\u9000\u4f11\u65f6\u793e\u5b89\u5236\u5ea6\u662f\u5426\u4f9d\u7136\u5065\u5728\uff1f<\/p>\n<p>\u60a8\u53ef\u80fd\u7ecf\u5e38\u8bfb\u5230\u6709\u5173\u793e\u4f1a\u5236\u5ea6\u5c06\u4f1a\u7834\u4ea7\u7684\u65b0\u95fb\uff0c\u8fd9\u4e2a\u4e0d\u662f\u5b8c\u5168\u65e0\u4e2d\u751f\u6709\u7684\u8bb2\u6cd5\uff0c\u56e0\u4e3a\u7f8e\u56fd\u4eba\u5bff\u547d\u8d8a\u6765\u8d8a\u957f\uff0c\u9000\u4f11\u4eba\u6570\u4e00\u76f4\u589e\u52a0\uff0c\u4e0b\u4e00\u4ee3\u5de5\u4f5c\u4eba\u6570\u5374\u6ca1\u6709\u589e\u52a0\uff0c\u6240\u4ee5\u793e\u4f1a\u9000\u4f11\u57fa\u91d1\u652f\u51fa\u6bd4\u7a0e\u6b3e\u6536\u5165\u5927\u5f97\u591a\uff0c\u6240\u4ee5\u653f\u5e9c\u4e00\u76f4\u5728\u5bfb\u627e\u5e94\u5bf9\u7684\u65b9\u6cd5\u3002\u5e03\u6b8a\u603b\u7edf\u66fe\u63d0\u51fa\u5c06\u793e\u4f1a\u5b89\u5168\u9000\u4f11\u91d1\u90e8\u4efd\u79c1\u6709\u5316\uff0c\u8ba9\u6c11\u4f17\u53ef\u4ee5\u5c06\u8d44\u91d1\u4f5c\u6295\u8d44\uff0c\u53ef\u60dc\u53cd\u5bf9\u58f0\u97f3\u592a\u591a\uff0c\u53ef\u89c1\u8981\u5f7b\u5e95\u6539\u9769\u662f\u6781\u5176\u56f0\u96be\u7684\u3002<\/p>\n<p>\u53ef\u662f\uff0c\u7531\u4e8e\u8bb8\u591a\u7f8e\u56fd\u4eba\u90fd\u501a\u9760\u8fd9\u4e2a\u9000\u4f11\u798f\u5229\uff0c\u6ca1\u6709\u653f\u6cbb\u5bb6\u6562\u63d0\u51fa\u5c06\u5176\u53d6\u7f14\uff0c\u8fde\u4f5c\u4fee\u6539\u4e5f\u8981\u9759\u9759\u5730\u8fdb\u884c\u3002\u76ee\u524d\u653f\u5e9c\u5df2\u7ecf\u9010\u6b65\u5c06\u201c\u5b8c\u5168\u9000\u4f11\u201d\u5e74\u9f84\u589e\u9ad8\uff0c\u4eca\u5e7430\u5c81\u7684\u5e74\u9752\u4eba\uff0c\u898167 \u5c81\u624d\u8fbe\u5230\u201c\u5b8c\u5168\u9000\u4f11\u201d\uff0c\u76f8\u4fe1\u5c06\u6765\u8fd9\u4e2a\u5c81\u6570\u4f1a\u88ab\u63a8\u9ad8\u81f370\u5c81\u6216\u4ee5\u4e0a\u3002<\/p>\n<p style=\"text-align: center;\">\uff08<strong>\u626b\u63cf\u4e8c\u7ef4\u7801<span style=\"color: #0000ff;\">\u5206\u4eab<\/span><\/strong>\u6587\u7ae0\u5230<strong><span style=\"color: #0000ff;\">\u5fae\u4fe1<\/span><\/strong>\u6216<span style=\"color: #0000ff;\">QQ<strong>\u670b\u53cb\u5708<\/strong><\/span>\uff09<br \/>\n<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/chart.googleapis.com\/chart?cht=qr&amp;chs=150x150&amp;choe=UTF-8&amp;chld=L|4&amp;chl=http:\/\/yibababa.com\/archives\/1695\" alt=\"QR \u7801\" width=\"150\" height=\"150\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u6765\u6e90\uff1a\u6797\u4fee\u8363\u7406\u8d22\u5929\u5730 \u7f8e\u56fd\u8054\u90a6\u653f\u5e9c\uff0c\u4e3a\u9000\u4f11\u4eba\u58eb\u63d0\u4f9b\u4e24\u79cd\u4e3b\u8981\u9000\u4f11\u798f\u5229\uff0c\u4e00\u662f\u201c\u793e\u4f1a\u5b89 &hellip; <a href=\"https:\/\/yibababa.com\/article\/archives\/1695\">\u7ee7\u7eed\u9605\u8bfb <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1695","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts\/1695","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/comments?post=1695"}],"version-history":[{"count":0,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts\/1695\/revisions"}],"wp:attachment":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/media?parent=1695"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/categories?post=1695"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/tags?post=1695"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}