Table of Contents

Maprogramu a chithandizo cha boma amatumikira monga magwero otetezera owopsa kwa mamiliyoni a Aamereka, kupereka chichirikizo chofunika kwambiri panthaŵi zovuta. Kaya muyang'anizana ndi mavuto a ndalama a kanthaŵi, kuyang'anira kupunduka, kapena kungoyesa kukwaniritsa zinthu, kuzindikira mapindu amene alipo kungakuthandizeni kwambiri pa moyo wanu. Anthu mamiliyoni ambiri a ku America oyenerera salandira mapindu amene amayenerera — kaŵirikaŵiri chifukwa chakuti samadziŵa maprogramuwo alipo, samadziŵa mmene angagwiritsire ntchito, kapena saganiza kuti apambana.

Kodi Maprogramu a Thandizo la Boma Nchiyani?

Boma la United States limakonza maprogramu ambiri othandiza anthu ndi mabanja omwe ali ndi ndalama zochepa kuti apeze zofunika zawo zazikulu. Maprogramu ameneŵa amaphatikizapo chithandizo cha chakudya, kusamala zaumoyo, kuchirikiza nyumba, ndalama, ndalama zothandizira maphunziro, ndi chithandizo cha magetsi. Programu iliyonse imakonzedwa ndi zolinga zapadera, kaya ngati kutsimikizira kuti ana ali ndi chakudya chopatsa thanzi, kupereka chisamaliro chaumoyo ku mabanja osauka, kapena kuthandiza anthu kupeza nyumba zotetezeka.

Maprogramu ena amaperekedwa pamlingo wa boma ndi boma lonse la dziko lonselo, ndipo ena amathandizidwa ndi boma ndi boma, zomwe zimachititsa kuti anthu azilandira ndalama zosiyanasiyana ndiponso kuti apindule malinga ndi kumene mumakhala.

Cholinga cha Ntchito Zothandiza

Maprogramu a chithandizo cha boma alipo chifukwa chakuti chitaganya chimazindikira kuti aliyense amayang'anizana ndi nthaŵi zovuta, ndipo palibe amene ayenera kupita popanda chakudya, chisamaliro chaumoyo, kapena pogona chifukwa cha mikhalidwe imene sangaithetse. Ngati mukulimbana, kugwiritsa ntchito mapindu amene mukuyenerera sindiwo chizindikiro cha kufooka — nzanzeru, zothandiza, ndi zimene maprogramu ameneŵa amalinganizidwira.

Maprogramu ameneŵa amathandizira kuchepetsa mavuto a zachuma, kuthandiza ana kukula ndi kuphunzira, kutheketsa anthu olumala kukhala ndi ulemu, ndiponso kuwathandiza kugwiritsa ntchito bwino ntchito mwa kuwaphunzitsa ndi kuwaphunzitsa.

Kuzindikira Chiyeso cha Umphaŵi ndi Kupulupudza

Maprogramu ambiri a chithandizo cha boma amagwiritsira ntchito Federal Poverty Level (FPL) monga maziko a kuyenerera. FPL imazikidwa pa ukulu wa banja ndipo imasinthidwa chaka chilichonse kusonyeza masinthidwe mu Consumer Price for All Urbans (CPI-U). Kumvetsetsa mmene FPL imagwirira ntchito nkofunika chifukwa chakuti imakhudza ngati mukuyenerera maprogramu osiyanasiyana.

2026 Zitsogozo za Federal Poverty Line

Kwa munthu, FPL inakwera ndi $310 (kuyambira $15,650 mpaka $15,960), pafupifupi kuwonjezeka kwa 2%. Kwa banja la anai, linawonjezeka ndi $850 (kuchokera pa $2,150 mpaka K3,000), pafupifupi kuwonjezeka kwa 2.6%. Kuwonjezeka kumeneku kumatanthauza kuti anthu owonjezereka pang'ono angayenerere mapindu a ndalama mu 2026 poyerekezera ndi zaka zapita.

M’malo mwa kuchepetsako limodzi, maprogramu ambiri amakhazikitsa kuthekera pa peresenti ya FPL, monga ngati 138% ya Medicaid m’maboma ofutukula kapena 130% ya SNAP . Zimenezi zikutanthauza kuti simufunikira kukhala pansi pa mzera waumphaŵi kuti muyenerere thandizo. Maprogramu ambiri amakhazikitsa kuthekera kwapamwamba kuposa 100% ya FPL. Mwachitsanzo, ngongole za AASPA za msonkho zimapezeka kufika ku 400% FPL, CHAIP CHAP ku mabanja 200% mpaka 300% FPL kudalira pa boma, ndipo SNP amagwiritsira ntchito 130% ya FPL monga malipiro aakulu.

Zochititsa Zofala za Kukhoza Kutenga

Pamene kuli kwakuti programu iriyonse iri ndi ziyeneretso zake zachindunji, pali zinthu zambiri zimene zimasankha kukhala woyenerera m’maprogramu ambiri a chithandizo cha boma:

  • Finiting Development :[[FLT :1] Maprogramu ambiri amagwiritsira ntchito Federal Poverty Level (FPL) monga maziko. Malire amasiyana kuyambira pa 100% mpaka 400% ya FPL kudalira pa programu ndi ukulu wa banja.
  • Mkhalidwe wa jinijijijini: Zambiri zimafunikira unzika wa United States kapena kukhala kwalamulo. Programu zina ziripo zoyeneretsedwa zosakhala za zenizeni.
  • Ukulu wa Nyumba za Ufumu: Mapindu kaŵirikaŵiri amazikidwa pa chiŵerengero cha anthu m’nyumba.
  • Malire oikidwa: Maprogramu ena ali ndi mlingo wofunika (maakaunti a bank, katundu). Mabande ambiri ndi pulogalamu.
  • [[NT:0] Zofunika Zogwira Ntchito: TANF ndi olandira ena a SNAP angafunikire kugwira ntchito, kufuna ntchito, kapena kutengamo mbali m'maprogramu ophunzitsa.

Mitundu Yokulira ya Maprogramu a Thandizo a Boma

Maprogramu othandiza a boma angasankhidwe m’mitundu yosiyanasiyana yaikulu, iliyonse ikumalongosola zosoŵa zazikulu zosiyana. Kumvetsetsa magulu ameneŵa kungakuthandizeni kudziŵa maprogramu amene angakhale oyenerera ku mkhalidwe wanu.

Maprogramu a Thandizo la Zakudya

Kusungika kwa chakudya nkofunika kwambiri, ndipo boma la boma limachita maprogramu angapo kutsimikizira kuti Aamereka ali ndi chakudya chomanga thupi.

Programu ya Chithandizo cha Zakudya Zowonjezera (SNAP)

SNAP — yomwe kale inkadziŵika monga zidindo za chakudya — ndiyo programu yaikulu koposa ya boma yothandiza chakudya, yotumikira ku Amereka oposa 42 miliyoni. SNAP imapereka mapindu a chakudya ku mabanja opeza ndalama zochepa kuti awonjezere ndalama zawo zogulira zakudya zomanga thupi kuti athe kugula chakudya chofunikira ku thanzi ndi thanzi labwino.

SNAP imaikidwa pa khadi la Electronic Befect Express Explorect (EBT) mwezi uliwonse, limene limagwira ntchito monga khadi la debit khadi pa masitolo ambiri ndi misika yambiri ya alimi. Ngati mwapezedwa kuti muyenerera, mulandira ndalama za SNAP pa khadi la Electronic Froeve Transction (EBT), limene limagwira ntchito ngati khadi la debit . Mapindu amaikidwa okha m'kadi yanu mwezi uliwonse. Mungathe kugwiritsira ntchito kadi yanu ya EBT kugula zakudya ndi ogulitsa.

[[ML:0] ZOLINGA ZOSIYANASIYANA:

Kuti muyenerere, ndalama zopezedwa za banja lanu ziyenera kukhala pa 130% ya mlingo wa umphaŵi wa boma (FPL). Pakali pano, mabanja angakhale ndi ndalama zokwanira $3,000 (monga ngati ndalama kapena ndalama m'mabanki) kapena $4,500 m'zofunika zoŵerengeka ngati chiŵalo chimodzi cha banjalo chiri ndi zaka 60 kapena kuposapo, kapena chilema. Ndalama zimenezi zimasinthidwa chaka chilichonse.

SNAP imaŵerengera ndalama kuchokera ku magwero onse, kuphatikizapo ndalama zopezedwa ( misonkho ya malipiro a pa kampani isanachotsedwe) ndi ndalama zimene simukulandira monga chithandizo cha ndalama, Social Security, inshuwalansi ya ulova, ndi ndalama zochirikizira ana.

[[ML:0] Zofunika za Ntchito:

Anthu ayenera kukwaniritsa zofunika za ntchito kuti alandire SNAP. Ziyeneretso zantchito zimenezi zimaphatikizapo kutengamo mbali m'maprogramu a ntchito ndi kuphunzitsa, ngati zigamulidwa ndi boma. Pali malamulo achindunji kaamba ka achikulire okhoza kumwalira popanda kudalira anthu. ABAWD ndi: Ntchito kapena ntchito yodzifunira pa maola 20 a mlungu wa 80 (SNAP, yomwe kale inkadziŵika monga sitenta ya chakudya) imakhala ndi mapindu a chaka cha (3) pokhapokha ngati akwaniritsa zofunika za ntchito ya SNAP.

[[ML:0] Phinduni Mazankhulo:[[FULT:1]

Phindu lalikulu mu 2026 pa banja la atatu ndi $785. Mapindu aakulu ochotsa ndalama zapanyumba ($785 + K4466) ali ndi $661. Phindu la mwezi ndi mwezi la SNAP ndi $661. Ndalama yeniyeni ya phindu lanu imadalira pa ukulu wa banja lanu, ndalama zimene mumapeza, ndi zolipirira zoyendera.

[[FULT:0] Mmene Mungagwiritsire Ntchito SNAP:

Kufunsira SNAP, lankhulani ndi ofesi yanu kapena yakwanuko SNAP. Malinga ndi boma lanu, mukhoza kutumiza chidindo chofunsira chakudya pa Intaneti, mwachindunji, papositi, kapena pa fax. Mungafunikire kutengamo mbali pa kufunsa musanavomereze kaamba ka mapindu a SNAP.

WIC (Akazi, Ana Akhanda, ndi Ana)

CHUMA CHA WIC chimathandiza makamaka azimayi oyembekezera, amayi atsopano, makanda, ndiponso ana a zaka zisanu amene ali pangozi yodya zakudya zopatsa thanzi.

Programu za Chithandizo cha Zaumoyo

Kupeza chithandizo cha mankhwala chotsika mtengo nkofunika kwambiri kuti thanzi ndi ndalama zikhalebe bwino.

Medicaid

Medicaid akupereka inshuwalansi yaufulu kapena ya ndalama zochepa ya zaumoyo kuti afune akulu, ana, akazi apakati, achikulire, ndi anthu olumala. Ilo likuchirikizidwa ndi boma ndi boma lililonse, tanthauzo lake likusiyana malinga ndi boma.

[[MLT: 0] Kulephera:

Pansi pa Affordble Care Act (ACA), maboma ambiri anafutukula Medicaid kuphikira achikulire ndi malipiro kufika 138% ya FPL. Kulephera: Malipiro amasiyana ndi boma ndi mtundu wa banja. M'mayiko, achikulire ambiri amapeza ndalama zokwana pafupifupi $200,000 pachaka (achikulire mmodzi) amayenerera. Ana ambiri amayenerera kupeza ndalama zambiri kudzera CHAIP (Ana a Health Inshuwalansis Program).

Mmene Mungagwiritsire ntchito Medicaid :

◯ Muzigwiritsa ntchito Intaneti posamalira anthu.gov, kudzera ku ofesi ya boma lanu ya Medicaid, kapena pa ofesi ya nthambi yakwanu.

Zimene Medicaid ikubisa:

Programuyo imaphatikizapo mautumiki ofunika a zaumoyo, kuphatikizapo maulendo a dokotala, kugona m’chipatala, kutetezera, ndi mautumiki anthaŵi yaitali amene Ameja sasamalira.

Medicare

Medicare imakhudza anthu achikulire a zaka zoposa 65 ndi kuposapo, limodzi ndi achinyamata ena opunduka. Mudzayenerera kukhala ndi ufulu wa ku Medica mukadzapereka msonkho wa Medica kwa zaka zosachepera 10 kuntchito kwanu.

Medicare ndi mbali zosiyanasiyana zokhala ndi inshuwalansi ya chipatala (Partic A), inshuwalansi ya zamankhwala (Pateni B), mapulani a mapindu (Partic C), ndi mankhwala ovomerezeka (Partic D). Kumvetsetsa mbali zimene mufunikira ndi nthaŵi yolembetsa nkofunika kwambiri kuti mupeŵe chilango ndi kulephera kukwaniritsa.

Ana a Inshuwalansi ya Zaumoyo (CHIP)

CHAIP imapereka ndalama zothandizira ana m'mabanja amene amapeza ndalama zambiri kuti ayenerere ku Medicaid koma satha kugula inshuwalansi yaumwini. CHAIP imakhudza ana m’mabanja okwana 200% mpaka 300% FP kudalira pa boma. Kusewera kumaphatikizapo kupimidwa kwanthaŵi zonse, katemera, maulendo a dokotala, mankhwala, mankhwala a mano ndi maso, ndi chithandizo chamwadzidzidzi.

Programu za Thandizo la Kunyumba

Nyumba zodalirika ndiponso zotchipa n’zofunika kwambiri kuti banja likhale ndi moyo wabwino komanso kuti likhale ndi chuma. Bomali limakonza njira zosiyanasiyana zothandizira anthu kumanga nyumba kudzera m’Dipatimenti ya House ndi Urban Development (HUD).

Chigawo 8 Ntchito Yosankha Nyumba

Programu ya Chosankhira Voucher (Kukonzanso 8) imapanga lendi kwa mabanja olandira ndalama zochepa — otengamo mbali amalipiro pafupifupi 30% a ndalama za lendi ndipo wolemba mapepala amasunga zotsala. Programu imeneyi imalola olandira kusankha nyumba zawo, kuphatikizapo nyumba za banja limodzi, nyumba za tauni, ndi nyumba zogonamo, malinga ngati mwininyumbayo avomereza kukhala ndi phande m’programu.

Kukhoza kumachokera ku ndalama zimene amapeza pa 50 peresenti ya ndalama zimene zimagwiritsidwa ntchito m’malo oulutsira nkhani, ngakhale kuti zikalata zina zimapezeka kwa anthu amene amapeza 80 peresenti ya manyuzipepala. Chifukwa cha kuchuluka kwa anthu ofuna kupezeka, akuluakulu ambiri a nyumba amadikira mindandanda ya ndalama zimene zingatenge zaka zingapo.

Nyumba za Onse

Nyumba za boma zimapereka malo obwereka otchipa a malendi a boma ndi osamaliridwa ndi maulamuliro a boma (PHA). Zochitika zimenezi zimapereka nyumba pa malo ochitira lendi otsika ku mabanja olandira ndalama zochepa, okalamba, ndi anthu olumala. Monga Chigawo 8, kulimba mtima kumazikidwa pa ndalama zimene amapeza, ndipo mpambo woyembekezera ngwambiri.

Programu za Thandizo za Ndalama

Maprogramu a chithandizo chandalama amapereka chichirikizo cha ndalama chachindunji kuthandiza mabanja kukwaniritsa zosoŵa zawo zazikulu.

Thandizo Lokanthaŵi la Mabanja Osoŵa (TANF)

TANF imapatsa mabanja ndalama zosakhalitsa kwa ana pamene makolo kapena osamala ana sangathe kupezera banja lawo zofunika. ATANF ndi programu ya boma yopereka ndalama ku boma, choncho mapindu ndi zofunika zimasiyanasiyana malinga ndi boma.

ATANF imaphatikizapo ntchito, nthaŵi yochepa (kaŵirikaŵiri miyezi 60 ya moyo wake), ndi kukhala ndi phande m’maphunziro a ntchito kapena maphunziro. Cholinga chake ndicho kuthandiza mabanja kupeza phindu mwa kumagwira ntchito.

Kupeza Chisungiko Chowonjezereka (SSI)

SSI imapereka ndalama mwezi ndi mwezi kwa anthu a ndalama zochepa amene ali ndi zaka 65 kapena kuposapo, akhungu, kapena opunduka. Malire a ndalama operekedwa kwa SSI ali okhwima, koma zisonkhezero zantchito zimakulolani kupeza ndalama kwinaku mukusunga phindu. Mosiyana ndi Social Security Disability Inshuwalance (SDI), SSI imazikidwa pa zosoŵa za ndalama mmalo mwa mbiri ya ntchito.

Inshuwalansi ya Chitetezo cha Anthu (SDI)

Mosiyana ndi SSI, SSDI yazikidwa pa mbiri yanu ya ntchito yoyamba ndi misonkho ya Social Security yomwe munalipira. Kuti muyenere, muyenera kukhala ndi ulema woyenerera umene umalepheretsa ntchito yochuluka ndipo wapeza ngongole zokwanira za ntchito mwa ntchito. Ndalama za SSDI mu 2026 ndi pafupifupi $400 pa mwezi, ngakhale kuti ndalamazo zimasiyana malinga ndi mbiri yanu ya moyo. Pambuyo pa miyezi 24 ya kulandira SSDI, mukhoza kuyenerera kulembetsa Medicare.

Maphunziro ndi Thandizo Lophunzitsa

Maphunziro amathandiza ophunzira ndi antchito kupeza maphunziro ndi kuwongolera ziyembekezo zawo za ntchito.

Aid Yothandiza Ophunzira ya Federal

Mapell Grant akupereka $7,800 chaka chilichonse kaamba ka ophunzira osayenerera oyenerera osonyezedwa kukhala osoŵa a ndalama. Mosiyana ndi ngongole za ophunzira, Pell Grants safunikira kulipiridwa. Ndalama za ophunzira a Federal, kuphatikizapo ngongole za Directive Subsided ndi Zosagonjetseka, zidakali magwero aakulu a ndalama za ophunzira ambiri.

Kuti mupeze mipata imeneyi, mufunikira kumaliza FAFSA ndi masiku otchulidwa. Malo a pulogalamu a Free a Federal Students Aid (FAFSA) amasankha kuyenerera kwanu kaamba ka ndalama zimene boma limapereka, ngongole, ndi ntchito.

Kuphunzira Ntchito Ndiponso Ntchito

Trade Supped Alternative Artivition (TAA) imapatsa ndalama antchito othaŵa kwawo chifukwa cha malonda akunja. Majereta a Job Translation Grant amapereka maprogramu apadera a asilikali opita kuntchito za boma. Programa ya antchito yotayidwa imapereka chichirikizo cha kuphunzitsidwanso m'maindasi apamwamba. Apulogalamu a ku programu Commentau a Grant Fant imaphatikiza ntchito yolipilira ndi malangizo a m’kalasi.

Kupereŵera kwa Mphamvu ndi Thandizo

Mitengo ya magetsi ingasokoneze bajeti yapanyumba, makamaka m'nyengo yanyengo yoipa. Low Inhome Home Energy Application Program (LIHEAP) imathandiza mabanja oyenerera kulipirira kaamba ka kutenthetsa ndi kuziziritsa. Pamene ndalama zamagetsi zikupitirizabe kutsendereza ndalama zapanyumba, boma lawonjezera maprogramu ake othandiza pa 2025. Mudzapeza ndalama zowonjezereka zothandizira kuthandizidwa ndi mphamvu kudzera ku LIIATEP ndi kugwiritsa ntchito kwamakono kwa ndalama zopimira patsogolo zomangira ndalama zofikira pa mlingo wapamwamba wa ndalama.

LIHEAP ingathandizenso ku mavuto a magetsi, kusintha kwa nyengo, ndi kukonza nyumba yaing’ono yokonzedwa ndi mphamvu. Kuchepa kwa mphamvu kwa magalimoto kumazikidwa pa ndalama zimene amapeza kapena kuchepera pa 150% ya mlingo wa umphaŵi wa boma, ngakhale kuti zimenezi zimasiyana ndi boma.

Mmene Mungathandizire Boma

Kufunsira thandizo la boma kungaoneke ngati kovuta, koma kumvetsa bwino mmene zinthu zikuyendera ndiponso kukonzekera bwino kungachititse kuti zinthu ziziyenda bwino.

Kupeza Zimene Muyenera Kupeza

Kugwiritsa ntchito zipangizo zingapo pa Intaneti kungakuthandizeni kudziwa mapulogalamu amene mungayenerere:

  • [[FULT:0] Benefit .gov: Gwiritsirani ntchito. Chida chopimira kuona ndendende zimene muyeneretsedwa malinga ndi mkhalidwe wanu.
  • Malo a state-latego: Maboma ambiri ali ndi phindu lawo lakusecha ziŵiya zimene zimalembedwa kaamba ka maprogramu a tsatanetsatane wa boma
  • Mabungwe a chigwirizano: Zosapindulitsa za kumaloko ndi mabungwe autumiki a kakhalidwe ka anthu kaŵirikaŵiri amapereka chithandizo chaulere ndi kufunsira

Kusonkhanitsa Mndandanda Wofunika

Choyambirira: ID, umboni wa ndalama zimene mumalandira, manambala a Social Security, umboni wa malo okhala, ndi ndalama zogulira zinthu. Kulembedwa ndi zikalata zolondola kungathandize kwambiri kugwiritsa ntchito njira yofunsira. Makalata ofala angafunikire:

  • Boma linajambula zithunzi zodziŵikitsa (laisensi ya mpikisano, ID ya boma, pasipoti)
  • Makhadi a Chitetezo cha Anthu onse a m’nyumba
  • Umboni wakuti ndalama zimene munthu amapeza (ndizo zopereŵera, ndi zobwezera msonkho, ndi zonena za phindu lake, ndi kuti ali pa ulova)
  • Umboni wa kuchuluka kwa ndalama zolipirira nyumba (zolipira ndalama zolipirira ndalama, pangano la lendi, chikalata cha nyumba)
  • Malipoti a ku banki osonyeza chuma chomwe chilipo tsopano
  • Zikalata zoperekera ana
  • Zolembedwa za Zamankhwala (zokhudza maprogramu opunduka)
  • Ndalama zogulira ngongole
  • Mafashoni a ndalama
  • Kuwononga ndalama zosamalira ana

Mmene Mungagwiritsire Ntchito Njira

Kufunsirako kumasiyanasiyana malinga ndi programu, koma kaŵirikaŵiri kumatsatira masitepe awa:

Sitepe 1: Chongani Kugwiritsira Ntchito Kwanu [[FULT:1]

Mapulogalamu ambiri masiku ano amapereka njira zosiyanasiyana zogwiritsira ntchito mapulogalamu monga mapulogalamu a pa Intaneti, makampani a pa Intaneti, makalata, kapena pafoni.

[[ML:0] Sitepe 2: Malizeni Kufunsa [[Mbali 1]

Maprogramu ambiri amafuna kufunsidwa monga mbali ya kufunsirako, kuchitidwa mwachindunji, mwa foni, kapena mwa kuimbira foni ya pa vidiyo.

Sitepe 3: Dzikani Chikalata Chowonjezereka

Mutafunsira koyamba, mungapemphedwe kupereka zikalata zina kuti mutsimikizire mfundo zimene mwapereka.

Sitepe 4: Landirani Kutsimikiza Mtima Kwanu

Mudzalandira chidziŵitso cholembedwa chikudziŵitsani kaya mwavomerezedwa kapena ayi. Ngati nchovomerezedwa, chidziŵitsocho chidzalongosola phindu lanu, pamene mapindu adzayamba, ndi zofunika zilizonse zopitirizabe. Ngati simudzalandira, chidziŵitsocho chidzalongosola chifukwa chake ndi kuyenera kwanu kwa kukopa.

Malangizo Ofunika

◯ ◯ ◯ Kufunsira mapulogalamu ambiri nthawi imodzi. maofesi ambiri a boma angakutseguleni pa mapulogalamu onse amene alipo pa ulendo umodzi. Izi zingakuthandizeni kusunga nthawi ndi kutsimikizira kuti mukhoza kupeza mapindu onse amene muyenera kupindula nawo.

Musamabweze ndalama, koma muzionetsetsa kuti aliyense amene akufuna kukupatsani ndalama akukupemphani kuti akuthandizeni kapena akuuzeni kuti akuvomereza kuti akulipirani.

Ngati mukana. Kukana kochuluka kungathetsedwe pa apilo. Pemphani chithandizo ku zithandizo za lamulo kapena mabungwe a zauchigawenga. Ngati mukhulupirira kuti munamanidwa mapindu molakwa, muli ndi kuyenera kwa kufunsira chosankhacho. Chilengezochi chidzaphatikizapo chidziŵitso chonena za mmene mungalembedwere apilo ndi malire a kuchita tero.

Kumvetsetsa Programu ya Boma

Maprogramu a chithandizo cha boma amagwira ntchito m’zigawo zosiyanasiyana za boma, zimene zimakhudza mmene amaperekera ndiponso mapindu amene mungalandire.

Maprogramu a Mafuno

M’dziko lonselo, kuchuluka ndi mapindu n’zogwirizana m’mayiko onse. Maprogramu monga Social Security, SSI, ndi SSDI ali ndi malamulo ofanana mosasamala kanthu za kumene mumakhala.

Programu Zophunzitsidwa ndi Boma

M'dziko lililonse limakhazikitsa malamulo akeake, kupindula, ndi kutha kwa zinthu. Programu ngati TANF, MEDICID (m’mbali zina), ndi SNAP (m’mbali zina) amathandizidwa ndi maboma a boma ndi boma koma amayendetsedwa ndi maboma. Izi:

  • Mtengo wa ndalama zimene amapindulapo umasiyana kwambiri pakati pa mayiko
  • Kukhoza kukhala kochepa kwambiri malinga ndi mkhalidwe
  • Njira zogwiritsira ntchito njira ndi zolembedwa zofunika zingasiyane
  • Maprogramu ena a boma angapezeke

Kusintha kumeneku kumatanthauza kuti nkofunika kupenda zofunika za boma lanu ndi mapindu pofufuza maprogramu.

Kusunga Mapindu Anu

Pamene mwavomerezedwa kaamba ka mapindu, muli ndi mathayo opitirizabe kusungabe kuyenerera kwanu.

Zofunika Zotsimikizira

Maprogramu ambiri a chithandizo amafunikira chikalata chapanthaŵi ndi nthaŵi kuti mutsimikizire kuti mudakali oyenerera. Ngati mupezedwa kuti muyenerera, mudzapeza chidziŵitso chimene chimakuuzani za utali wa nthaŵi imene mudzalandira mapindu a SNAP; iyi imatchedwa nyengo yanu yachredict. Nyengo yanu yolembera isanathe, mufunikira kumaliza kugwiritsa ntchito mawu otsimikiza ndi kukonza mapepala atsopano.

Kusimba za Kusintha kwa Zinthu

Muyenera kusimba kusintha kwina kwa zinthu kumene kungakhudze kuchuluka kapena phindu lanu.

  • Kusintha kwa ndalama (kupeza ntchito, kuchotsedwa ntchito, kuwonjezera ndalama zimene amapeza kapena kuchepetsa)
  • Kusintha kwa nyimbo za m’nyumba (munthu akusamuka, kubadwa kwa mwana)
  • Kusintha kwa adiresi
  • Kusintha kwa chuma kapena chuma
  • Kusintha kwa zowonongedwa (zowonongedwa, zosamalira ana)

Kulephera kusimba masinthidwe ofunikira kungachititse kulipirira mopambanitsa kumene mudzafunikira kulipirira, kapena ngakhale kuchotsapo programuyo.

Zofunika pa Ntchito ndi Kugwirizana

Maprogramu ena ali ndi zofunika kugwira ntchito kapena kuchitapo kanthu kuti mupeze phindu.

Kusamalira Mwapadera Anthu Osiyanasiyana

Anthu ena amaganizira mwachindunji za maprogramu a chithandizo cha boma.

Akalamba ndi Anthu Opunduka

Mabanja amene onse ali achikulire kapena opunduka safunikira ntchito, mosasamala kanthu kuti mabanja ena ambiri ayenera kukwaniritsa ziyeneretso za ntchito zoyenerera ku SNAP. Aference ndi anthu opunduka kaŵirikaŵiri amakhala ndi makonzedwe apadera, malire a zopereka zapamwamba, ndi osakhala pazofunikira zina.

Nyumba zingakhale ndi ndalama zokwanira $3,000 (monga ngati ndalama kapena ndalama m’maakaunti a kubanki) kapena $4,500 m’zopereka zoŵerengeka ngati chiŵalo chimodzi cha banja chiri cha zaka 60 kapena kuposapo, kapena chopunduka.

Ophunzira a kukoleji

Magulu ena a anthu sayenerera kupita ku SNAP mosasamala kanthu za ndalama zimene amapeza kapena chuma chawo, monga ngati anthu amene akukanthidwa, anthu onse opanda malo odziŵika oloŵamo, osamukira m’maiko ambiri okhala ndi malo ololedwa ndi lamulo oloŵera ku maiko ena, ophunzira ena amene amapita ku koleji kwa nthaŵi yoposa theka, ndi anthu ena okhala ndi zikhoterero zochititsidwa ndi mankhwala ogodomalitsa m’maiko ena.

Komabe, ophunzira angayenerere ngati achita zinthu zina zosafunikira. Kuti atengemo mbali ku SNAP, wophunzira, ku koleji pafupifupi theka la nthaŵi, ayenera kukwaniritsa malipiro a SNAP ndi chimodzi cha zinthu zotsatirazi: Kugwira ntchito kwa maola 20 pamlungu. Zinanso zimaphatikizapo kutenga nawo ntchito, kulandira ATANF, kapena kusamalira mwana wodalira pa ena.

Maledzere

Olandira chithandizo chapadera angayenere ku maprogramu onse a chithandizo, limodzinso ndi mapindu ena owonjezereka odziŵika bwino. Ameneŵa akuphatikizapo kuchiritsa kwa VA, malipiro a opunduka, maprogramu a penshoni, ndi chithandizo chapadera cha nyumba.

Osamuka

Kuyenerera kaamba ka chithandizo cha boma kumasiyana kwambiri chifukwa cha malo a kusamuka. Nzika zina za United States ndi anthu ena oyenerera osakhala amtundu wa anthu (monga ngati nzika zachikhalire za m'dzikomo zimene zakhalako kwa zaka zosachepera zisanu, othaŵa kwawo, ndi asylae) zingakhale zoyenerera kaamba ka maprogramu ambiri. Komabe, malamulo auve ndi ovuta ndi osiyana ndi programu, chotero kuli kofunika kupenda zofunika zenizeni kapena kufunsira kwa loya wodziŵa bwino za kusamuka kapena phungu woyenerera.

Kusintha ndi Kukonzanso Kwaposachedwapa kwa Zaka 2026

Kudziwa zinthu zatsopano zokhudzana ndi ufulu wanu kungakuthandizeni kumvetsa ubwino ndi ubwino wa zinthu zina.

Kusintha kwa Umphaŵi Wachigawo

Zitsogozo zaumphaŵi 2026 zinawonjezeka modekha poyerekezera ndi 2025, kusonyeza kukwera kwa mitengo koyesedwa ndi CPI-U. Kuwonjezeka kumeneku kungachititse anthu ambiri kuyenerera kupeza mapindu odalira pa ndalama mu 2026 poyerekezera ndi zaka za m'mbuyomo, pamene denga la ndalama lakwera.

Programu ya Zaumoyo Ikonzedwa

Kampaniyi imaphatikizapo mapulogalamu aakulu a zaumoyo ndi kusintha zinthu, kuphatikizapo Medicara telehealth propenibial thies ndi kuchirikiza ndalama zolandira ndalama zochepa zopezedwa. Imatetezanso kwambiri ntchito za Uyang'anira Umoyo wa Anthu Okhala ndi Moyo (ACL) ndi zina zimene zili zofunika kwa achikulire ndi anthu olumala.

Chikalatachi chimakhala ndi desikitale ya mediare télehealth propecilic kufika mu 2027, kusungitsa malo ndi malo, kufutukulidwa kwa malo ndi madokotala oyenerera, ndi kutchula mawu okha omvetsera, pakati pa malamulo ena. Zimenezi n’zofunika kwambiri kwa anthu a kumidzi kapena amene ali ndi mavuto a kuyenda.

Kusintha kwa Programu ya SNAP

Malamulo a Big Bill Beach Act a 2025 amasintha zinthu zina zopangitsa SNAP . Izi zimaphatikizapo kusintha pa zofunika za ntchito za SNAP ndi kulephera kwa ntchito. Tili m'njira yokonza tsamba lino ndi kusintha kopangidwa ndi buku la One Big Bill Beach Act la 2025 . N’kofunika kuyang'ana ndi boma lanu SNAP kaamba ka chidziŵitso chamakono chonena za mmene kusintha kumeneku kungakukhudzireni.

Mavuto Amene Anthu Ambiri Amakumana Nawo Ndiponso Zimene Angachite

Kumvetsa mavuto amene anthu ambiri amakumana nawo ndiponso mmene mungawathetsere kungakuthandizeni kupeza mapindu abwino.

Kuchedwa kwa Kugwiritsira Ntchito Njirayo

Kuchepetsa kuchedwa:

  • Wongani mapempho onse ofunikira
  • Yankhani mwamsanga ngati mwapempha kuti mudziwe zambiri
  • Sungani makope a zonse zimene mumapereka
  • Phunzirani ngati simunamve m’kati mwa mapulogalamu a madesiki
  • Mufunseni kuti mudziwe mmene zinthuzo zingapangire kuti zikhale bwino ngati mukufuna kukonza mwamsanga

Mungakhale woyenerera kulandira mapindu a SNAP pamasiku 7 a tsiku lanu lofunsira ngati mufikitsa zofunika zowonjezereka. Mwachitsanzo, ngati banja lanu liri ndi ndalama zochepera pa $100 m'zamadzi ndi $150 pa ndalama zopezedwa mwezi uliwonse, kapena ngati ndalama za banja lanu zokwana pa mwezi ndi chuma ndi zamadzi nzochepa poyerekeza ndi zimene mumalipira mwezi uliwonse kaamba ka lendi kapena ngongole ndi zowonongedwa zofunikira.

Kumvetsetsa Zifukwa Zokanira

Ngati akukaniza kugwiritsa ntchito kwanu, dziŵani bwino lomwe chifukwa chake.

  • Ndalama zimene ankalandira zinali zazitali kwambiri moti zinali zovuta kuti amvetsere
  • Maprogramu amaposa malire
  • Chikalata chosoweka kapena chosakwanira
  • Kulephera kupita kumsonkhano wofunsa mafunso
  • Osakwaniritsa zofunika za unzika kapena kukhala m’dziko
  • Kusakwaniritsa zofunika za ntchito

Kumvetsa chifukwa chimene anthu amatsutsira kuti simuyenera kupezeka ndi mlandu ndi chinthu choyamba chimene mungachite kuti muone ngati muyenera kukopa anthu kapena ngati mungafune kulowa pulogalamu ina.

Malamulo Ocholoŵana

Mabungwe othandiza boma ali ndi malamulo ovuta kuwamvetsa.

  • Mabungwe opereka chithandizo chalamulo amene amafotokoza za mapindu a lamulo
  • Mabungwe okhazikitsidwa m’chitaganya amene amapereka mapindu a uphungu
  • Maofesi a boma ndi a boma ndi a m’madera ena
  • Mabungwe a malonda omanga nyumba anasumika maganizo pa anthu ena (opunduka, opunduka, ndi ena otero).
  • Zinthu zogwiritsa ntchito pawebusaiti ya boma

Kulimbana ndi Kulipira Mopambanitsa

Ngati mulandira mapindu ambiri kuposa amene muli oyenerera, mungafunikire kulipirira malipiro. Izi zingachitike chifukwa cha:

  • Kulephera kusimba kusintha kwa mikhalidwe
  • Cholakwa cha agency
  • Kumvetsa molakwika mfundo zimene muyenera kulemba

Ngati mwauzidwa kuti mwalandira ndalama zochuluka, muli ndi ufulu wopempha kuti mumve nkhaniyo kapena kupempha kuti mupereke ndalama ngati simungathe kulipira ndalama zonsezo nthaŵi yomweyo.

Kuwonjezera Mapindu Anu

Mukalandira thandizo, mumakhala ndi njira zothandizira kwambiri ndi kugwirira ntchito kuti mupeze ndalama zambiri.

Kuphatikiza Maprogramu Ambili

Mwachitsanzo, mungalandire SNAP, Medicaid, ndi chithandizo cha nyumba panthaŵi imodzi. programu iliyonse imakhala ndi zosoŵa zosiyanasiyana, ndipo kuzigwiritsa ntchito pamodzi kungapereke chichirikizo chokwanira.

Maprogramu ena afeŵetsa njira za kulembetsa ngati mwalandira kale mapindu ena. Mwachitsanzo, ngati mulandira SSI, mungayenerere Medicaid m'maiko ambiri.

Kupindula ndi Mautumiki Owonjezereka

Maprogramu ambiri othandiza amapatsa zambiri osati chabe phindu la ndalama.

  • SOUTH SOUTH SOUTH ANGAKUTHANDIZENI KULONGOLERANI MALONGA ANU
  • Nthaŵi zambiri m’pofunikanso kusamala kuti musavulale komanso kuti musamavutike
  • Maprogramu a nyumba angapereke malangizo a zandalama ndi nyumba
  • MAprogramu a TANF nthaŵi zambiri amaphatikizapo maphunziro a ntchito ndi maphunziro

Kugwiritsa ntchito zinthu zimenezi kungakuthandizeni kukhala ndi luso lochita zinthu ndiponso kuti mukhale wokhutira ndi zimene mumachita.

Kumvetsa Zomwe Zikuthandiza Kugwira Ntchito

Komabe, maprogramu ambiri amakulolani kupitirizabe kupindula pamene ndalama zanu zikuwonjezereka. Kumvetsetsa mmene ntchito imakhudzira mapindu anu kungakuthandizeni kupanga zosankha zodziŵira za mwaŵi wa ntchito.

Maprogramu ena, makamaka a anthu olumala, ali ndi zisonkhezero zapadera za ntchito zimene zimakulolani kuyesa kukhoza kwanu kugwira ntchito popanda kutaya phindu mwamsanga.

Chuma ndi Pamene Mungapeze Thandizo

Simungagwiritse ntchito nokha njira zothandizira boma.

Zinthu Zofunika Kwambiri M’boma

  • Benefit.gov: Chidziŵitso chopindulitsa cha boma ndi ziŵiya zopimira
  • USA.gov: chidziŵitso chachisawawa cha mautumiki ndi maprogramu a boma
  • Chidziŵitso cha zaumoyo chonga ngati medicaid
  • SSA.gov: Administration Social Security for Pressure, opunduka, ndi SSI
  • . . . . . . . . . . . . . Department of Home ndi Urban Development kaamba ka chithandizo cha nyumba
  • FS.USSDA.gov: Chakudya ndi Undulo Service ya SNAP ndi maprogramu ena a chakudya

Mabungwe Ogwirizana ndi Anthu

Mabungwe ambiri osapanga phindu amapereka chithandizo chaulere pofunsira mafomu opindulitsa ndi kupezerapo mwayi.

  • Magulu opereka chithandizo chalamulo
  • Mabungwe a zankhondo a m’chitaganya
  • Magulu ozikidwa pa chikhulupiriro
  • Malo Aakulu ndi Madera Omwe Akuyendera Ukalamba
  • Mabungwe olepheretsa ufulu wachibadwidwe
  • Mabanki a chakudya ndi mabungwe opereka chithandizo cha njala

Boma ndi Chuma Chakumene Amakhala

maofesi a boma lanu ndi akomweko angapereke chidziŵitso chonena za maprogramu a boma ndi a boma omwe. Pitani:

  • Dipatimenti ya Zaumoyo ndi Ntchito za Anthu
  • Ofesi ya zaumoyo ya m’deralo
  • Ofesi ya chithandizo ya m’chigawo
  • Ulamuliro wa anthu onse womanga nyumba

Maatlines ndi Mahatchi

Maprogramu ambiri amaika malo othandizira kumene mungafunse mafunso ndi kupeza chithandizo:

  • Gwiritsirani ntchito pa ssa.gov kapena foni 1-800-7721213 pa mafunso a zachitetezo cha Mayanjano
  • M’dzikomo muli mafunde a SNAP
  • Madokotala, amaitana malo ochitira inshuwalansi ya zaumoyo
  • Utumiki wa m’dziko lonse umene umathandiza anthu kugwiritsa ntchito zinthu za m’dzikolo

Kudziteteza ku Magulu

N’zomvetsa chisoni kuti anthu ochita zachinyengo nthawi zambiri amabera anthu ofuna thandizo la boma.

Kupindula ndi Akuba

  • Machenjera a mchitidwe wabizinesi: Maprogramu a boma samalipiritsa ndalama zofunsira
  • Machenjera ovomereza: Palibe amene angatsimikizire kuti mudzavomerezedwa kaamba ka mapindu
  • Kunyenga kwa khadi la BBT:[[FL:1] Abulu angayese kupeza nambala ya khadi lanu la EBT kapena PIN
  • Machenjera achinyengo: Kunyenga ma email kapena malemba odzinenera kukhala ochokera ku mabungwe a boma
  • Machenjera a foni: Oimba foni akunena kuti mudzataya mapindu pokhapokha mutapereka chidziŵitso chaumwini mwamsanga

Mmene Mungadzitetezere

  • Musalipire aliyense kuti akuthandizeni kufunsira mapindu a boma
  • Musagawane nambala yanu ya Social Security, nambala ya khadi la EBT, kapena PIN ndi munthu wina
  • Muzikayikira kuti anthu amene amakamba kuti ndi a boma angakumane nawo popanda kuwapempha
  • Perekani chidziŵitso mwa kulankhula ndi bungwelo pogwiritsa ntchito manambala a telefoni
  • Lipoti lokayikiridwa kuti likukamizidwa ku bungwe la Federal Trade Commission ndi loya wanu wamkulu wa boma

Kuyang’ana Kutsogolo: Kukonzekera Kupeza Zokwanira

Ngakhale kuti maprogramu a boma amathandiza kwambiri pa nthawi ya mavuto, anthu ambiri amagwiritsa ntchito njira imeneyi kuti apeze ndalama zambiri.

Kukhazikitsa Zonulirapo Zachuma

Ngakhale pamene mukuthandizidwa, mukhoza kuthandiza kuti ndalama:

  • Pangani bajeti imene ingathandize kuti mupeze ndalama ndiponso ndalama zogulira zinthu
  • Muzisunga ndalama, ngakhale ngati ndi ndalama zochepa mwezi uliwonse
  • Gwiritsirani ntchito maprogramu aulere a zamaphunziro
  • Kufufuza kumagwirizana ndi maprogramu a ndalama zosungidwa (Maakaunti a Ku Development Aunters) ngati alipo m’dera lanu

Kupeza Maphunziro ndi Maluso

Maphunziro ndi maphunziro a ntchito zingakulitse kuthekera kwanu kwa kupeza nthaŵi yaitali:

  • Muzichita nawo maprogramu a ntchito ndi kuphunzitsa operekedwa kupyolera mwa SNAP kapena TANF
  • Kufufuza maprogramu a pakoleji aulere kapena a ndalama zochepa
  • Muzifufuza m’maprogramu ophunzitsa anthu m’mabwalo apamwamba
  • Muzigwiritsa ntchito Intaneti pophunzira zinthu
  • Ganizirani za ntchito yolangiza

Kumvetsa Mapindu a Kusintha kwa Zinthu

Pamene ndalama zimene mumapeza zikuwonjezeka, mapindu anu adzachepa pang’onopang’ono.

  • Phunzirani malamulo a pulogalamu yanu
  • Pendani mmene malipiro anu adzakhudzira mapindu anu
  • Konzekerani kutayikiridwa kwa mapindu mwa kulinganiza ndalama zimene mudzafunikira kulipira
  • Gwiritsirani ntchito mapindu a kusintha ngati alipo (monga ngati kusintha kwa m’mamedikaid)

Kumaliza

Maprogramu othandiza boma amaimira magwero ofunika kwambiri otetezera amene amathandiza mamiliyoni a Aamereka kukwaniritsa zosoŵa zawo zazikulu ndi kugwira ntchito kulinga ku mtsogolo mokhazikika. Kuchokera ku SNAP kufikira ku kuperekedwa kwa zaumoyo kupyolera mwa Medicaid, kuchokera ku zochilikiza nyumba ku Chigawo 8 kufikira ku ndalama zothandizira kupyolera mwa ATANF ndi SSI, maprogramu ameneŵa amasamalira zosoŵa zazikulu m’mitundu yosiyanasiyana.

Kumvetsa zofunika, njira zogwiritsira ntchito, ndi zoyenera ndi udindo wanu n’kofunika kwambiri kuti mupeze mapindu ameneŵa. Ngakhale kuti dongosololi lingaoneke lovuta, pali zinthu zambiri zimene zingakuthandizeni kuligwiritsa ntchito, kuyambira pawebusaiti za boma zovomerezeka mpaka ku mabungwe a boma ndi mautumiki ovomerezeka a boma.

. . . . . . . . . . . . Kufunafuna thandizo pamene mukufunikira sikuli chizindikiro cha kufooka. Ndi sitepe lothandiza kutsimikizira ubwino wa banja lanu ndi kugwirira ntchito ku kukhazikika kwa chuma.

Kaya mukukumana ndi vuto la kanthaŵi kapena mavuto anthaŵi yaitali, maprogramu a boma anapangidwa kuti athandize panthaŵi zovuta. Mwakumvetsa zimene zilipo, mmene mungagwiritsire ntchito, ndi mmene mungasungire mapindu anu, mungapeze zinthu zimene mumafunikira kuti mupange mtsogolo motetezereka kwambiri ndi banja lanu.

Kaamba ka chidziŵitso chowonjezereka ponena za maprogramu akutiakuti ndi kutsimikizira kwanu, chezerani Benifit. gov, USUSA. gov, kapena kukumana ndi Dipatimenti ya boma lanu ya Zaumoyo ndi Mautumiki a Anthu. Chuma chowonjezereka chingapezeke pa [FLT: 4.] UTC. gov[FF:5] kaamba ka mapangano a zaumoyo, [[FLT:]HUD.[FL:]