{"id":1068,"date":"2019-08-19T16:44:43","date_gmt":"2019-08-19T16:44:43","guid":{"rendered":"https:\/\/southwestpipetrades.com\/?p=1068"},"modified":"2019-11-21T20:03:06","modified_gmt":"2019-11-21T20:03:06","slug":"post-union-life","status":"publish","type":"post","link":"https:\/\/southwestpipetrades.com\/es\/post-union-life","title":{"rendered":"La vida despu\u00e9s de la uni\u00f3n"},"content":{"rendered":"<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/southwestpipetrades.com\/es\/local-unions\/\">Sindicatos de trabajadores<\/a> Existen para brindar a los trabajadores cualificados capacitaci\u00f3n, condiciones de trabajo adecuadas y representaci\u00f3n. Uno de los beneficios que se han obtenido con mucho esfuerzo es el de ofrecer planes de jubilaci\u00f3n fiables a los trabajadores que han dedicado una vida de servicio leal. Pocos estadounidenses tienen lo suficiente para vivir una vez que se jubilan y, si bien esto no es intencional, se debe en parte al hecho de que muchos trabajadores ven la jubilaci\u00f3n como una preocupaci\u00f3n lejana y optan por concentrarse en las necesidades presentes, como la seguridad laboral diaria.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sin embargo, la negociaci\u00f3n colectiva ha proporcionado a los trabajadores sindicalizados una serie de ventajas sobre los trabajadores no sindicalizados, especialmente en lo que respecta a la seguridad de la jubilaci\u00f3n y m\u00e1s all\u00e1. A continuaci\u00f3n, se ofrece una breve explicaci\u00f3n de lo que puede esperar un miembro del sindicato y los diferentes programas que suelen estar disponibles.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">D\u00f3nde falla la seguridad social<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">El Seguro Social tiene como objetivo proporcionar un ingreso de jubilaci\u00f3n modesto a la mayor\u00eda de los estadounidenses que han ganado un salario; sin embargo, existe una idea err\u00f3nea sobre c\u00f3mo debe utilizarse. El Seguro Social est\u00e1 destinado a proporcionar solo un tercio de los ingresos que necesitan los jubilados, pero la realidad es que generalmente representa la mitad o m\u00e1s de sus ingresos despu\u00e9s de jubilarse.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u00bfQu\u00e9 es una pensi\u00f3n sindical y en qu\u00e9 se diferencia de un 401(K)?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Un aspecto fundamental para entender la jubilaci\u00f3n es conocer la diferencia entre los planes que utilizan las organizaciones para atender a sus trabajadores. Los planes de pensiones con beneficios directos se pagan a todos los miembros de los sindicatos a lo largo de su carrera mediante donaciones exentas de impuestos que se hacen con cada salario. Esto garantiza al jubilado unos ingresos fijos al jubilarse. La edad de jubilaci\u00f3n es sencilla de definir, ya que cuanto m\u00e1s tiempo trabaje un miembro del sindicato, m\u00e1s dinero tendr\u00e1 disponible al jubilarse. El problema es que las pensiones son cada vez menos frecuentes, incluso para los miembros de los sindicatos, ya que la mayor\u00eda de los empleadores optan por ofrecer a sus empleados un plan 401(k) en su lugar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Un plan 401(k) es, en esencia, una cartera de inversiones gestionada por un tercero. El empleador puede aportar una cantidad equivalente a la que aporta un empleado a lo largo de su carrera. Esto le quita al empleador la carga de gestionar los fondos y los planes 401(k) pueden ser beneficiosos para el trabajador, pero su tasa de rendimiento nunca est\u00e1 garantizada y el valor general del plan se basa en el rendimiento del mercado.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u00bfQu\u00e9 pasa con el seguro de salud de su plan de empleador?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Los miembros de los sindicatos disfrutan de beneficios de seguro m\u00e9dico que se mantienen vigentes cuando se jubilan. Los trabajadores jubilados tambi\u00e9n tienen la opci\u00f3n de elegir entre m\u00faltiples planes de beneficios en funci\u00f3n de las primas deseadas y las necesidades de salud previstas para sus a\u00f1os de jubilaci\u00f3n, que tambi\u00e9n se extienden a sus c\u00f3nyuges e hijos dependientes. Esto requiere que el empleado tenga una cierta antig\u00fcedad negociada en su contrato sindical, y estos beneficios var\u00edan de un sindicato a otro.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u00bfLos sindicatos ofrecen seguros de vida?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Sin duda, tambi\u00e9n cuentan con planes de seguro de vida y beneficios para sobrevivientes. Esta es una inclusi\u00f3n com\u00fan en la mayor\u00eda de los acuerdos de negociaci\u00f3n colectiva. Uno de los beneficios adicionales para sobrevivientes que puede brindarles a sus seres queridos es el pago de sus fondos de pensi\u00f3n restantes si muere antes de tiempo. Este es un plan de beneficios definidos que viene con su membres\u00eda sindical.\u00a0\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">La diferencia de la Uni\u00f3n<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Southwest Pipe Trades es un defensor regional de 13 sindicatos locales en Nuevo M\u00e9xico, Oklahoma y Texas. Representamos a una fuerza laboral altamente capacitada y calificada de oficiales y aprendices en una variedad de industrias, entre ellas <a href=\"https:\/\/southwestpipetrades.com\/es\/careers\/plumbers\/\">plomer\u00eda<\/a>, <a href=\"https:\/\/southwestpipetrades.com\/es\/careers\/pipe-fitters\/\">Accesorio de tuber\u00eda<\/a>, <a href=\"https:\/\/southwestpipetrades.com\/es\/careers\/welders\/\">soldadura<\/a>, <a href=\"https:\/\/southwestpipetrades.com\/es\/careers\/hvacr-technician\/\">Climatizaci\u00f3n<\/a>, y <a href=\"https:\/\/southwestpipetrades.com\/es\/careers\/sprinkler-fitter\/\">Instalaci\u00f3n de rociadores<\/a>Nuestra misi\u00f3n es proteger los intereses de estos trabajadores, y esto incluye su capacidad de jubilarse c\u00f3modamente despu\u00e9s de toda una vida de trabajo.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Los sindicatos existen para brindar a los trabajadores cualificados capacitaci\u00f3n, condiciones laborales adecuadas y representaci\u00f3n. Uno de los beneficios, por los que tanto se ha luchado, es la provisi\u00f3n de planes de jubilaci\u00f3n confiables para los trabajadores que han dedicado una vida de servicio leal. Pocos estadounidenses tienen lo suficiente para vivir una vez jubilados, y si bien esto no es intencional, se debe en parte a\u2026<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/southwestpipetrades.com\/es\/post-union-life\"> <span class=\"screen-reader-text\">La vida despu\u00e9s de la uni\u00f3n<\/span> Leer m\u00e1s &quot;<\/a><\/p>","protected":false},"author":38,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[1],"tags":[21,23,22,13],"class_list":["post-1068","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-401k","tag-benefit-plans","tag-health-insurance","tag-unions"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Post Union Life - Southwest Pipe Trades Association<\/title>\n<meta name=\"description\" content=\"Life goes on after you are finished working, and your union retirement benefits will make sure you enjoy it. 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