 reference text aadhaaramga ,  saamaajika bhadrata choose nelavaaree prayojanam motham elaa lekkinchabadutundi aney saaraamsaanni andinchandi .
 primari insurance amount mariyu mantli benifit amount lekkalu 
 pradhaana vyasam :  praadhimika beema motham 
 saamaajika bhadratalo panichaesae karmikulu  FICA ( fedearl insurance contributions aect )  ledha  SECA ( swayam upaadhi contributions aect )  pannulu chellistaaru mariyu aadaayam chattamlo paerkonna kaneesa mottaala kante ekkuvaga vunte quarters kavarejeeni pomdutaaru . 40  quarters coverages  (QC)  unna karmikulu  " purtiga beema cheyabadataru "  mariyu padav viramanha prayojanaalaku arhulu .  padav viramanha priyojana mottaalu vyakti yokka athyadhika  35  samvatsaraala  " sardubatu "  ledha  " suuchika "  aadaayaala sagatupai aadhaarapadi untai .  munupati samvatsaraala nundi ooka vyakti yokka perol - pannu vidhinchadagina aadhaayaalu jaateeya sagatu vaetana suuchika  (AWI)  upayoginchi aardika vyvasta - vyaapta vaetana vruddhiki sardubatu cheyabadathaai mariyu aapai sagatu .  kaarmikudiki  35  samvatsaraala kante takuva cover aadhaayaalu vunte ,  yea naane - contributory samvathsaralaku zaro aadhaayaalu ketayinchabadatayi .  atyadhikamgaa  35  samvatsaraala sardubatu cheyabadina ledha indices cheyabadina aadaayaala mothanni  420 thoo bhaagisthe  (35  samvatsaraala sarlu  12  nelalu samvatsaranike )  ooka vyakti yokka sagatu indexed nelavaaree aadhaayaalu ledha  AIME ni utpatthi chesthundu .

AIME  appudu praadhimika beema motham ledha  PIA ni lekkinchadaniki upayoginchabadutundi . 2021 loo  62  ellu nindina kaarmikula choose , PIA  ganana sutram :

( Una )  sagatu indexed nelavaaree aadaayaalalo modati  $996 loo  90  saatam ,  adanamga 

( b ) $996  mariyu  $6,002  Madhya sagatu indexed nelavaaree aadaayaalalo  32  saatam ,  adanamga 

( sea ) $6,002  kante sagatu indexed nelavaaree aadaayaalalo  15  saatam 

 bhavishyathulo  62  ellu vachey kaarmikulaku ,  ganana faarmulaaloni  90, 32  mariyu  15  saatam kaarakaalu alaage untai conei faarmulaaloni daalar mottaalu  ( bend Ballari ani pilustharu )  jaateeya aardika vyavasthaloo vaetana perugudala dwara perugutai . AWI  dwara . AIME  mariyu  PIA  ganana  AWI ni kaligi unnanduna ,  saamaajika bhadrataa prayojanalu vaetana suchikaga cheppabaddayi .  vaetanaalu saadharanamga darala kante vaegamgaa perugutai kabaadi ,  bhavishyathulo  62  ellu nindina kaarmikulaku  PIA lu vaasthava paranga ekkuvaga untai ,  ayithe  62  ella vayassuloe aardika vyavasthaloo sagatu aadaayaalatoo samaanamgaa untai .

 nelavaaree priyojana mottaalu  PIA pai aadhaarapadi untai . PIA  ganinchabadina tarwata ,  adi kaalakremena darala dravyolbanam choose suuchika cheyabaduthundhi .  amduvalana ,  saamaajika bhadrata nelavaaree priyojana mottaalu vyakti yokka padav viramanha samvatsaraalalo vaari konugolu shakthini kaligi untai .

 porthi padav viramanha vayassuloe modhata padav viramanha prayojananni pondadam praarambhinchina ooka kaarmikudu  PIA loo  100  shaathaaniki samaanamaina nelavaaree priyojana mothanni pondutaadu .  porthi padav viramanha vayassu kante mundhu padav viramanha prayojananni claim chese ooka kaarmikudu taggina nelavaaree priyojana mothanni andukuntaadu mariyu porthi padav viramanha vayassu  (70  samvatsaraala varku )  tarwata vayassuloe claim chese kaarmikudu perigina nelavaaree mothanni andukuntaadu .

PIA  gananalo  90, 32  mariyu  15  saatam kaarakaalu takuva kereer aadhaayaalu kaligina vyaktulaku adhika replace ‌ ment reetlaku dhaaritheesthaayi .  udaharanaku ,  retired vyakti sagatu aadhaayaalu modati bend paayint kante thakkuvaga vunte ,  athanu porthi padav viramanha vayassuloe nelavaaree prayojananni pomdavacchu ,  adi padav viramanhaku mundhu vyakti sagatu nelavaaree sampaadanaloo  90  shaathaaniki samaanam . 2013 loo  62  ellu nindina kaarmikula replace ‌ ment ratelanu table chupistundi .

 vikalanga kaarmikula choose  PIA  computation phaarmulaa samaantaramgaa  AIME  minahaa retired kaarmikulaku  62  ellalopu vaikalyanni pratibimbimchaelaa takuva samvatsaraalapai aadhaarapadi umtumdi .  vikalanga kaarmikuni yokka nelavaaree prayojanam motham  PIA loo  100  saatam .

 jeevita bhaagaswaamulu ,  pillalu mariyu vitantuvulaku prayojanalu jeevita bhaagaswaami ledha maranhinchina jeevita bhaagaswaami yokka  PIA lapai aadhaarapadi untai .  vruddhaapya jeevita bhaagaswaami mariyu vidaakulu teeskunna jeevita bhaagaswaami labdhidaarulu  PIA loo  50  saatam varku pomdavacchu .  survivour benifit ratelu ekkuvaga unnayi mariyu vruddhaapya vitantuvulu mariyu vayassuloe jiivinchi unna vidaakulu teeskunna jeevita bhaagaswaamulu  PIA loo  100  saatam pomdavacchu .

 fedearl ,  rashtra mariyu stanika vudyogulu  FICA  pannulu chellinchakudadani  ( varu cheyagaliginappudu )  varu nalabhai quarters kante ekuva arhata kaligina saamaajika bhadrata cover panini kaligi unnatlayithe ,  varu tagginchabadina  FICA  prayojanalu mariyu porthi maedicare kavarejeeki arhulu . 35+  samvatsaraalugaa  FICA ki sahakaaram andinchani mariyu fedearl ,  rashtra mariyu stanika prayojanaalaku arhulaina variki saamaajika bhadrataa chellimpulanu tagginchadaaniki ,  avi saadharanamga marinta udaaramgaa untai ,  wind ‌ fal elemination provision , WEP ni congresses aamodinchindi . WEP  nibaddhana kaarmikudiki  40  quarters qualifieing aadaayam unnatlayithe anni saamaajika bhadrata ledha maedicare arhatanu tolaginchadu ,  conei samvatsaraala sankhyanu batti modati  PIA  bend ‌ paayint ‌ loni  90%  gunakaanni  40–85% ki tagginchadam dwara priyojana chellimpulanu ganistundi .  coverages .  videsi pensionlu  WEP ki lobadi untai .

 pratyaamnaaya  PIA  ganana aadhaaramga ooka pratyeka kaneesa prayojanam ,  sudeergha kereer ‌ lu kaligina kontamandi kaarmikulaku andubatulo Pali ,  conei takuva aadhaayaalu .  Hansi yemainappatiki ,  idi regular - computed  PIA  kante chaaala aruduga ekkuvaga umtumdi mariyu anevalla kontamandi karmikulu pratyeka kaneesa prayojanaaniki arhulu . 2019 loo  32,000  mandhi vyaktulu Bara pratyeka kaneesa prayojananni pondhaaru .

 evarainaa arhulaina prayojanalu sambhaavyamgaa chaaala klishtamgaa untai ,  sambhaavya padav viramanha pomdinavaaru salahaa choose neerugaa social sekyuuritii administration ‌ nu sampradinchaali .  anek aan ‌ Jalor pablikeshan ‌ lu mariyu aan ‌ Jalor calculator ‌ lalo anek prasnalu parishkarinchabadataayi mariyu kanisam pakshikanga samaadhaanaalu ivvabadataayi .
 saamaajika bhadrata choose nelavaaree prayojanam motham ooka vyakti yokka athyadhika  35  samvatsaraala  " indexed "  aadaayaalanu nirnayinchadam dwara lekkinchabadutundi .  athyadhika  35  samvatsaraala  " suuchika "  aadaayaala mothanni  420 thoo vibhajinchaaru ,  idi  35  samvatsaraalalo nelala sanka ,  ooka vyakti sagatu indexed nelavaaree aadaayaalanu nirnayinchadaniki , AIME gaaa suuchimchabadutumdi .  ooka vyakti  AIME  nirnayinchabadina tarwata ,  nelavaaree prayojananni lekkinchadaniki sutram krindhi vidhamgaa umtumdi :
- AIME  yokka modati  $996 loo  90  saatam ,  adanamga 
- $996  mariyu  $6,002  Madhya  AIME loo  32  saatam ,  plous 
- AIME loo  15  saatam  $6,002  kante ekuva 