{"id":10,"date":"2025-06-29T21:07:24","date_gmt":"2025-06-29T21:07:24","guid":{"rendered":"http:\/\/ony.dlr.mybluehost.me\/blog\/?p=10"},"modified":"2025-06-29T21:07:26","modified_gmt":"2025-06-29T21:07:26","slug":"%eb%af%b8%ea%b5%ad-%ec%86%8c%ec%85%9c%ec%97%b0%ea%b8%88-%ec%a0%81%eb%a6%bd-%eb%b0%8f-%ec%8b%a0%ec%b2%ad%eb%b0%a9%eb%b2%95","status":"publish","type":"post","link":"https:\/\/cohbe.com\/blog\/%eb%af%b8%ea%b5%ad-%ec%86%8c%ec%85%9c%ec%97%b0%ea%b8%88-%ec%a0%81%eb%a6%bd-%eb%b0%8f-%ec%8b%a0%ec%b2%ad%eb%b0%a9%eb%b2%95\/","title":{"rendered":"\ubbf8\uad6d \uc18c\uc15c\uc5f0\uae08 \uc801\ub9bd \ubc0f \uc2e0\uccad\ubc29\ubc95"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\ubbf8\uad6d\uc5d0\uc11c 10\ub144 \uc774\uc0c1 \uc18c\ub4dd\uc5d0 \ub300\ud558 \uc138\uae08\uc744 \uafb8\uc900\ud788 \ub0a9\ubd80\ud558\uc168\ub2e4\uba74, <strong>\ubbf8\uad6d \uc18c\uc15c \uc2dc\ud050\ub9ac\ud2f0 \uc5f0\uae08 (Social Security Retirement Benefits)<\/strong> \uc218\ub839 \uc790\uaca9\uc774 \ucda9\ubd84\ud788 \uc788\uc73c\uc2e4 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4. \uc544\ub798\uc5d0 \uc5f0\uae08 \uc801\ub9bd \ubc0f \uc2e0\uccad \ubc29\ubc95\uc744 \ud55c\uad6d\uc5b4\ub85c \uc790\uc138\ud788 \uc124\uba85\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2705 1. <\/strong><strong>\uc18c\uc15c\uc5f0\uae08<\/strong><strong> <\/strong><strong>\uc801\ub9bd<\/strong><strong> <\/strong><strong>\uc790\uaca9<\/strong><strong> (Eligibility)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ubbf8\uad6d \uc18c\uc15c\uc5f0\uae08 \uc218\ub839 \uc790\uaca9\uc740 **\ucd5c\uc18c 40 \ud06c\ub808\ub527(quarters)**\uc744 \uc801\ub9bd\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>1<\/strong><strong>\ub144\uc5d0<\/strong><strong> <\/strong><strong>\ucd5c\ub300<\/strong><strong> 4<\/strong><strong>\ud06c\ub808\ub527<\/strong>\uc744 \uc5bb\uc744 \uc218 \uc788\uc73c\uba70, \ub300\ub7b5 10\ub144\uac04 \uc77c\ud558\uba74 \ub429\ub2c8\ub2e4.<\/li>\n\n\n\n<li class=\"\">2025\ub144 \uae30\uc900, <strong>$1,730<\/strong><strong>\uc758<\/strong><strong> <\/strong><strong>\uc18c\ub4dd\ub2f9<\/strong><strong> 1<\/strong><strong>\ud06c\ub808\ub527<\/strong>\uc744 \uc5bb\uc2b5\ub2c8\ub2e4. (\uc5f0\uac04 $6,920 \uc774\uc0c1 \uc18c\ub4dd\uc774\uba74 4\ud06c\ub808\ub527 \ud68d\ub4dd)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 25\ub144\uac04 \ubbf8\uad6d\uc5d0\uc11c \uc77c\ud558\uc168\ub2e4\uba74 \ub300\ubd80\ubd84\uc758 \uacbd\uc6b0 40\ud06c\ub808\ub527 \uc774\uc0c1 \uc801\ub9bd\ud558\uc168\uc744 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2705 2. <\/strong><strong>\uc5f0\uae08<\/strong><strong> <\/strong><strong>\uc218\ub839<\/strong><strong> <\/strong><strong>\uc2dc\uae30<\/strong><strong> <\/strong><strong>\ubc0f<\/strong><strong> <\/strong><strong>\uae08\uc561<\/strong><strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>62<\/strong><strong>\uc138\ubd80\ud130<\/strong><strong> <\/strong><strong>\uc218\ub839<\/strong><strong> <\/strong><strong>\uac00\ub2a5<\/strong>\ud558\ub098, \uc870\uae30 \uc218\ub839 \uc2dc \ub9e4\uc6d4 \uac10\uc561\ub429\ub2c8\ub2e4.<\/li>\n\n\n\n<li class=\"\"><strong>Full Retirement Age (FRA)<\/strong>: \ub300\ubd80\ubd84 66~67\uc138 (\ucd9c\uc0dd\ub144\ub3c4\uc5d0 \ub530\ub77c \ub2e4\ub984)\n<ul class=\"wp-block-list\">\n<li class=\"\">1960\ub144 \uc774\ud6c4 \ucd9c\uc0dd\uc790: <strong>67<\/strong><strong>\uc138<\/strong>\uac00 FRA\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li class=\"\"><strong>70<\/strong><strong>\uc138\uae4c\uc9c0<\/strong><strong> <\/strong><strong>\uc218\ub839\uc744<\/strong><strong> <\/strong><strong>\ubbf8\ub8e8\uba74<\/strong> \ub9e4\uc6d4 \uc5f0 8%\uc529 \ub354 \ubc1b\uac8c \ub429\ub2c8\ub2e4 (Delayed Retirement Credit).<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2705 3. <\/strong><strong>\uc608\uc0c1<\/strong><strong> <\/strong><strong>\uc5f0\uae08\uc561<\/strong><strong> <\/strong><strong>\ud655\uc778<\/strong><strong> <\/strong><strong>\ubc29\ubc95<\/strong><strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>My Social Security<\/strong> \uacc4\uc815 \ub9cc\ub4e4\uae30\n<ul class=\"wp-block-list\">\n<li class=\"\">\uc774\ub984, \uc0dd\ub144\uc6d4\uc77c, SSN, \uc8fc\uc18c, \ubcf8\uc778 \ud655\uc778 \uc9c8\ubb38 \ub4f1\uc744 \ud1b5\ud574 \uacc4\uc815 \uc0dd\uc131<\/li>\n\n\n\n<li class=\"\">\ub85c\uadf8\uc778 \ud6c4, \uc608\uc0c1 \uc5f0\uae08 \uc218\ub839\uc561 \ubc0f \uae30\ub85d \uc5f4\ub78c \uac00\ub2a5<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2705 4. <\/strong><strong>\uc18c\uc15c\uc5f0\uae08<\/strong><strong> <\/strong><strong>\uc2e0\uccad<\/strong><strong> <\/strong><strong>\ubc29\ubc95<\/strong><strong> (Retirement Benefits)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc2e0\uccad<\/strong><strong> <\/strong><strong>\uc2dc\uae30<\/strong><strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>\uc628\ub77c\uc778<\/strong><strong> <\/strong><strong>\uc2e0\uccad<\/strong>\uc740 <strong>\uc218\ub839<\/strong><strong> <\/strong><strong>\ud76c\ub9dd\uc77c<\/strong><strong> <\/strong><strong>\uae30\uc900<\/strong><strong> 4<\/strong><strong>\uac1c\uc6d4<\/strong><strong> <\/strong><strong>\uc804<\/strong>\ubd80\ud130 \uac00\ub2a5<\/li>\n\n\n\n<li class=\"\">\uc608: 65\uc138 2\uc6d4\ubd80\ud130 \uc218\ub839 \uc6d0\ud560 \uacbd\uc6b0 \u2192 \uc804\ub144\ub3c4 10\uc6d4\ubd80\ud130 \uc2e0\uccad \uac00\ub2a5<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc2e0\uccad<\/strong><strong> <\/strong><strong>\ubc29\ubc95<\/strong><strong><\/strong><\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li class=\"\"><strong>\uc628\ub77c\uc778<\/strong><strong> <\/strong><strong>\uc2e0\uccad<\/strong><strong> (<\/strong><strong>\uac00\uc7a5<\/strong><strong> <\/strong><strong>\uc26c\uc6c0<\/strong><strong>)<\/strong><br>https:\/\/www.ssa.gov\/retire<\/li>\n\n\n\n<li class=\"\"><strong>\uc804\ud654<\/strong><strong> <\/strong><strong>\uc2e0\uccad<\/strong><br>SSA \ub300\ud45c\ubc88\ud638: 1-800-772-1213 (\ud3c9\uc77c \uc624\uc804 8\uc2dc~\uc624\ud6c4 7\uc2dc, \uc601\uc5b4)<\/li>\n\n\n\n<li class=\"\"><strong>\uadfc\ucc98<\/strong><strong> SSA <\/strong><strong>\uc624\ud53c\uc2a4<\/strong><strong> <\/strong><strong>\ubc29\ubb38<\/strong><strong> <\/strong><strong>\uc608\uc57d<\/strong><strong> <\/strong><strong>\ud6c4<\/strong><strong> <\/strong><strong>\uc2e0\uccad<\/strong><br>SSA \uc0ac\ubb34\uc18c \ucc3e\uae30: https:\/\/secure.ssa.gov\/ICON\/main.jsp<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2705 5. <\/strong><strong>\uc2e0\uccad<\/strong><strong> <\/strong><strong>\uc2dc<\/strong><strong> <\/strong><strong>\ud544\uc694<\/strong><strong> <\/strong><strong>\uc11c\ub958<\/strong><strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">\ubcf8\uc778 <strong>\uc18c\uc15c<\/strong><strong> <\/strong><strong>\uc2dc\ud050\ub9ac\ud2f0<\/strong><strong> <\/strong><strong>\ubc88\ud638<\/strong><strong> (SSN)<\/strong><\/li>\n\n\n\n<li class=\"\">\ucd9c\uc0dd\uc99d\uba85\uc11c (Birth Certificate)<\/li>\n\n\n\n<li class=\"\">\uc2dc\ubbfc\uad8c \ub610\ub294 \uc601\uc8fc\uad8c \uc99d\uba85\uc11c (Naturalization Certificate \ud639\uc740 Green Card)<\/li>\n\n\n\n<li class=\"\">\ucd5c\uadfc \uadfc\ubb34 \ubc0f \uc18c\ub4dd \uc815\ubcf4 (W-2 \ub610\ub294 \uc138\uae08\uc2e0\uace0\uc11c)<\/li>\n\n\n\n<li class=\"\">\ubbf8\uad6d \uc678 \uc218\uc785\uc774 \uc788\ub2e4\uba74 \ud574\ub2f9 \uc815\ubcf4\ub3c4 \ud568\uaed8 \uc81c\ucd9c<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2705 6. <\/strong><strong>\ud574\uc678<\/strong><strong> <\/strong><strong>\uac70\uc8fc<\/strong><strong> <\/strong><strong>\uc2dc<\/strong><strong> <\/strong><strong>\uc5f0\uae08<\/strong><strong> <\/strong><strong>\uc218\ub839<\/strong><strong> <\/strong><strong>\uac00\ub2a5<\/strong><strong> <\/strong><strong>\uc5ec\ubd80<\/strong><strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>\ud55c\uad6d\uc5d0<\/strong><strong> <\/strong><strong>\uac70\uc8fc\ud558\uba74\uc11c\ub3c4<\/strong><strong> <\/strong><strong>\ubbf8\uad6d<\/strong><strong> <\/strong><strong>\uc18c\uc15c\uc5f0\uae08<\/strong><strong> <\/strong><strong>\uc218\ub839<\/strong><strong> <\/strong><strong>\uac00\ub2a5<\/strong><\/li>\n\n\n\n<li class=\"\">\ub2e8, <strong>\uc2e0\uace0\uc11c\ub958<\/strong><strong> <\/strong><strong>\uc815\uae30<\/strong><strong> <\/strong><strong>\uc81c\ucd9c<\/strong><strong> <\/strong><strong>\ud544\uc694<\/strong> (\uc608: SSA-7162)<\/li>\n\n\n\n<li class=\"\"><strong>\uc9c1\uc811<\/strong><strong> <\/strong><strong>\uacc4\uc88c<\/strong><strong> <\/strong><strong>\uc785\uae08<\/strong><strong> <\/strong><strong>\uac00\ub2a5<\/strong> (\ud55c\uad6d \uc740\ud589 \uc911 \uc77c\ubd80 \uac00\ub2a5 \ub610\ub294 \ubbf8\uad6d \uc740\ud589 \uacc4\uc88c \uc720\uc9c0)<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udd14 <\/strong><strong>\ucc38\uace0\uc0ac\ud56d<\/strong><strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">\ud55c\uad6d\uacfc \ubbf8\uad6d\uc740 <strong>\uc0ac\ud68c\ubcf4\uc7a5\ud611\uc815<\/strong> \uccb4\uacb0\uad6d\uc774\ub77c, \ud55c\uad6d \uadfc\ubb34 \uacbd\ub825\ub3c4 \uc77c\ubd80 \ubc18\uc601\ub420 \uc218 \uc788\uc74c<\/li>\n\n\n\n<li class=\"\">IRS\uc5d0 \uc5f0\uae08 \uc18c\ub4dd\uc740 <strong>\uc77c\ubd80<\/strong><strong> <\/strong><strong>\uacfc\uc138<\/strong>\ub420 \uc218 \uc788\uc74c (\ud2b9\ud788 \ub2e4\ub978 \uc18c\ub4dd\uacfc \ud569\uc0b0\ub420 \uacbd\uc6b0)<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\ud544\uc694\ud558\uc2dc\uba74, <strong>\ud55c\uad6d\uc5b4\ub85c<\/strong><strong> <\/strong><strong>\uc628\ub77c\uc778<\/strong><strong> <\/strong><strong>\uc2e0\uccad<\/strong><strong> <\/strong><strong>\uc808\ucc28<\/strong><strong> <\/strong><strong>\uc124\uba85<\/strong>, \ub610\ub294 <strong>My Social Security <\/strong><strong>\uacc4\uc815<\/strong><strong> <\/strong><strong>\ub9cc\ub4dc\ub294<\/strong><strong> <\/strong><strong>\ubc29\ubc95<\/strong>, <strong>\uc5f0\uae08<\/strong><strong> <\/strong><strong>\uc218\ub839<\/strong><strong> <\/strong><strong>\uae08\uc561<\/strong><strong> <\/strong><strong>\ucd94\uc0b0<\/strong><strong> <\/strong><strong>\ub3c4\uc640\ub4dc\ub9b4<\/strong><strong> <\/strong><strong>\uc218<\/strong><strong> <\/strong><strong>\uc788\uc2b5\ub2c8\ub2e4<\/strong>. \uc6d0\ud558\uc2dc\ub294 \ubc29\ud5a5\uc744 \ub9d0\uc500\ud574 \uc8fc\uc138\uc694!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ubbf8\uad6d\uc5d0\uc11c 10\ub144 \uc774\uc0c1 \uc18c\ub4dd\uc5d0 \ub300\ud558 \uc138\uae08\uc744 \uafb8\uc900\ud788 \ub0a9\ubd80\ud558\uc168\ub2e4\uba74, \ubbf8\uad6d \uc18c\uc15c \uc2dc\ud050\ub9ac\ud2f0 \uc5f0\uae08 (Social Security Retirement Benefits) \uc218\ub839 \uc790\uaca9\uc774 \ucda9\ubd84\ud788 \uc788\uc73c\uc2e4 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4. \uc544\ub798\uc5d0 \uc5f0\uae08 \uc801\ub9bd \ubc0f \uc2e0\uccad \ubc29\ubc95\uc744 \ud55c\uad6d\uc5b4\ub85c \uc790\uc138\ud788 \uc124\uba85\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4. \u2705 1. \uc18c\uc15c\uc5f0\uae08 \uc801\ub9bd \uc790\uaca9 (Eligibility) \ubbf8\uad6d \uc18c\uc15c\uc5f0\uae08 \uc218\ub839 \uc790\uaca9\uc740 **\ucd5c\uc18c 40 \ud06c\ub808\ub527(quarters)**\uc744 \uc801\ub9bd\ud574\uc57c \ud569\ub2c8\ub2e4. \ud83d\udc49 25\ub144\uac04 \ubbf8\uad6d\uc5d0\uc11c \uc77c\ud558\uc168\ub2e4\uba74 \ub300\ubd80\ubd84\uc758 \uacbd\uc6b0 40\ud06c\ub808\ub527 \uc774\uc0c1 \uc801\ub9bd\ud558\uc168\uc744 &#8230; <a title=\"\ubbf8\uad6d \uc18c\uc15c\uc5f0\uae08 \uc801\ub9bd \ubc0f \uc2e0\uccad\ubc29\ubc95\" class=\"read-more\" href=\"https:\/\/cohbe.com\/blog\/%eb%af%b8%ea%b5%ad-%ec%86%8c%ec%85%9c%ec%97%b0%ea%b8%88-%ec%a0%81%eb%a6%bd-%eb%b0%8f-%ec%8b%a0%ec%b2%ad%eb%b0%a9%eb%b2%95\/\" aria-label=\"\ubbf8\uad6d \uc18c\uc15c\uc5f0\uae08 \uc801\ub9bd \ubc0f \uc2e0\uccad\ubc29\ubc95\uc5d0 \ub300\ud574 \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uc138\uc694\">\ub354 \uc77d\uae30<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-10","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/cohbe.com\/blog\/wp-json\/wp\/v2\/posts\/10","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cohbe.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cohbe.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cohbe.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cohbe.com\/blog\/wp-json\/wp\/v2\/comments?post=10"}],"version-history":[{"count":1,"href":"https:\/\/cohbe.com\/blog\/wp-json\/wp\/v2\/posts\/10\/revisions"}],"predecessor-version":[{"id":11,"href":"https:\/\/cohbe.com\/blog\/wp-json\/wp\/v2\/posts\/10\/revisions\/11"}],"wp:attachment":[{"href":"https:\/\/cohbe.com\/blog\/wp-json\/wp\/v2\/media?parent=10"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cohbe.com\/blog\/wp-json\/wp\/v2\/categories?post=10"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cohbe.com\/blog\/wp-json\/wp\/v2\/tags?post=10"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}