Table of Contents

Maprogramu ameneŵa ndi ofunika kwambiri kwa anthu mamiliyoni ambiri a ku America, kuchepetsa umphaŵi, kulimbikitsa zachuma, ndi kuwongolera moyo. Kumvetsetsa mmene boma limapindulira, amene amayenerera, ndi mmene angapezere chuma chimenechi kungathandizire kwambiri anthu amene akuvutika ndi mavuto a zachuma kapena mavuto ena.

Kaya ndinu nzika yokalamba, banja lolandira ndalama zochepa, munthu wopunduka, kapena wina amene ali ndi mavuto a zachuma kwakanthaŵi, pali maprogramu ambiri a boma othandiza. Chitsogozo chomveka chimenechi chidzakutsogolerani kupyola mapindu aakulu a boma, kulongosola mitundu yosiyanasiyana ya chithandizo chomwe chilipo, fotokozani zofunika zofunikira, ndi kupereka chidziŵitso chothandiza ponena za njira yogwiritsira ntchito.

Kumvetsa Mapindu a Boma: Kungoyerekeza

Maprogramu ameneŵa amaperekedwa kudzera mwa ndalama zolipira msonkho ndipo cholinga chachikulu cha mapindu ameneŵa n’kutsimikizira kuti anthu onse a ku America ali ndi zinthu zofunika monga chakudya, chisamaliro chaumoyo, nyumba, ndi ndalama zothandizira pa nthaŵi ya kusoŵa.

Maprogramu a boma amapindula motsatira malamulo okhwima ndipo amakonzedwa nthaŵi zonse kuti asonyeze kusintha kwa mikhalidwe ya zachuma, mtengo wa moyo, ndi zofunika za lamulo. Maprogramu ambiri amagwiritsira ntchito Federal Poverty Levence (FPL) monga maziko a kugamula kuti kulibe kulakwa, ngakhale kuti maprogramu ambiri amakhazikitsa kulephera pa chigawo cha FPL, monga 138% ya Médicaid m'maiko ofutukuka kapena 130% ya SNAP.

FPL yazikidwa pa ukulu wa banja ndipo imasinthidwa chaka chilichonse kusonyeza masinthidwe mu Consumer Price Index ya All Urban Consumers (CPII-U). Kwa 2026, kwa banja la anthu anayi, inawonjezeka ndi $850 (kuchokera pa $2,150 mpaka $3,000), chifupifupi kuwonjezeka kwa 2.6%. Kusintha kumeneku kumatanthauza kuti anthu owonjezereka pang'ono angayenerere kaamba ka mapindu ozikidwa pa ndalama mu 2026 m'zaka zoyambirira, monga momwe denga landalama landandandalitsidwa.

Mbali Zazikulu za Mapindu a Boma

Mapindu a boma angapangidwe mokulira m’mitundu ingapo, iriyonse ikumapereka zosoŵa zosiyanasiyana ndi kutumikira anthu osiyanasiyana. Kumvetsetsa magulu ameneŵa kungakuthandizeni kudziŵa maprogramu amene angakhale oyenererana ndi mkhalidwe wanu.

Maprogramu a Thandizo la Zakudya

Maprogramu othandizira chakudya amathandiza anthu olandira chakudya chochepa ndi mabanja kugula chakudya chopatsa thanzi. Programme yodziŵika bwino m'gululi ndi yotchedwa Someral Nutrition Application Program (SNAP), yomwe kale inkadziwika monga zidindo za chakudya. Inkadziwika kuti "zidindo za chakudya," Serval Nutrition Assition Program (SNAP) ingakuthandizeni kulipira chakudya ngati muli ndi ndalama zochepa.

Ngakhale kuti SNAP ndi programu ya boma, mabungwe a boma amayendetsa programuyo kupyola maofesi a kumaloko. Mwezi uliwonse, khadi la SNAP limawonjezeredwa ku khadi la Electronic Republitions Transption (EBT) logwiritsira ntchito pamene mukugula chakudya. khadi la EBT limagwira ntchito monga khadi la debit ndipo lingagwiritsiridwe ntchito kwa ogulitsa alamulo amene amavomereza mapindu a SNAP.

SNAP eligible imadziŵika ndi zinthu zingapo. Ndalama zambiri zimene amapeza mwezi ndi mwezi — ndiko kuti, ndalama zopezedwa panyumba zonse zisanagwiritsiridwe ntchito pa chilichonse cha zochepetsa za programuyo — kaŵirikaŵiri ziyenera kukhala pa 130 peresenti ya mlingo wa umphaŵi. Kwa anthu a m'chaka cha 2026, mzera waumphaŵi wogwiritsidwa ntchito kuŵerengera SNAP m'chaka cha sansi ya boma ndi $2,221 pa mwezi. Motero, 130 peresenti ya mzera waumphaŵi wa banja la atatu ndi $,88888 pa mwezi, kapena pafupifupi $34,666 pachaka.

Ngakhale anthu amene alibe nyumba angapindule ndi SNAP, monga mmene mungapindulirebe ngakhale mutakhala kuti mulibe keyala, malo okhala, kapena malo ophikira chakudya.

Kusamalira Thanzi Kumapindulitsa

Makonzedwe aŵiri aakulu a zaumoyo ndi Medicaid, aliyense akuthandiza anthu osiyanasiyana amene ali ndi njira zosiyanasiyana zopezera chithandizo cha boma.

Medicare

Makina a inshuwalansi ya zaumoyo a boma makamaka kwa anthu a zaka 65 ndi kuposapo, ngakhale kuti amapukutanso achinyamata ena ndi matenda.

Pafupifupi 99% ya Amedicare olandira mathayo alibe chigawo A chifukwa chakuti ali ndi zigawo zosachepera 40 za ntchito ya Medicare , monga momwe zinagamulidwa ndi Social Security Administration . Kwa 2026, Medicare Part A in chipatala chopirira kuti opindula ngati ataloledwa ku chipatala adzakhala $1,736 mu 2026, kuwonjezeka kwa $60 kuchokera ku $1,666 mu 2025.

Kukula kwa anthu opindula ndi mankhwalawa ndi kopsitifu ya mankhwala. Kuyambira mu 2026, ndalama zimene amawononga chaka ndi chaka pa mankhwala a Medicare ndi $2,000, kuteteza achikulire ku ku kuwononga kwa mankhwala oopsa. Izi zili ndi phindu lalikulu kwa achikulire amene amadalira mankhwala ambiri.

Maprogramu Opulumutsa Amankhwala

Medicare Saves Programs (MSPs) ndi maprogramu a boma othandiza ocheperapo olandira ndalama zoikizira Medicara, ndalama zotayidwa, ndi zolipiridwa popanda malipiro. Mwatsoka, achikulire ambiri osayenerera sanena kuti apindula — ziŵerengero zikusonyeza kuti anthu mamiliyoni ambiri oyeneretsedwa amasiya chithandizo chimenechi chaka chilichonse.

Medicaid

Mdicaid ndi programu ya boma yogwirizana imene imapatsa thanzi kwa anthu olandira ndalama zochepa ndi mabanja. Kusintha kumasiyana malinga ndi boma, koma maboma owonjezera amagwiritsira ntchito 138% ya Federal Poverty Levence monga njira ya malipiro. Medicaid akuphatikizapo mautumiki ambiri a zaumoyo, kuphatikizapo maulendo a dokotala, kukhala ndi moyo, kuchipatala, kuteteza, ndi mautumiki anthaŵi yaitali.

Mapindu a Chisungiko

Anthu amene amapuma pantchito, amene ali ndi matenda opunduka kapena amene amapulumuka ntchito, amapeza ndalama zimenezi kudzera m’misonkho imene amalipira pa zaka zimene amagwira ntchito.

Ubwino Wopuma Pantchito

Pa 2026, anthu amene apuma pantchito amalandira ndalama zambiri mwezi uliwonse, amafunika ndalama zimene amalandira akapeza ndalama zoyendera pamoyo wawo komanso a zaka zimene ayamba kupindula. Pa 2026, anthu amene alandira chithandizo cha ndalama zambiri anasintha zinthu zina.

Kusintha kwa Kachilombo ka Moyo pachaka (COLA) ndi limodzi la mapindu aulere kwambiri a boma kwa okalamba, kuwonjezera ndalama zoyendetsera chitetezo cha anthu kuti ziyende bwino. Kwa 2026, opindula analandira kuwonjezeka kwa 2.5% CLA, kutanthauza wantchito wopuma pantchito amawona pafupifupi $50 (500,000) pamwezi popanda kufunsira kulikonse.

Inshuwalansi ya Chitetezo cha Anthu (SDI) ndi Kusoŵa Kowonjezera (SSI)

SSDI imathandiza anthu amene agwira ntchito ndi kupereka misonkho ya Social Security koma sathanso kugwira ntchito chifukwa cha kupunduka.

Programu za Thandizo la Kunyumba

Maprogramu a chithandizo cha nyumba amathandiza mabanja olandira ndalama zochepa, okalamba, ndi anthu olumala kukhala ndi nyumba zotetezereka ndi zabwino. Programu yodziŵika bwino ndi Nyumba Chosankhira Voucher Program, yodziŵika kwambiri monga Chigawo 8, imene imapatsa chithandizo cha lendi mabanja oyenerera. Otengamo mbali kwenikweni amalipira 30% ya ndalama zawo zosinthasintha ku lendi, ndi woperekayo akuphimba kusiyanako ku muyezo wa malipiro.

Nyumba zina ndi monga nyumba za anthu onse, zimene zimapereka nyumba za lendi zotsika mtengo za mabungwe a boma osamalira nyumba, ndiponso mapulogalamu osiyanasiyana othandiza anthu ogula nyumba kuti azitha kugula nyumba.

Maphunziro ndi Maphunziro Amapindulitsa

Maphunziro amathandiza ophunzira ndi antchito kukhala ndi mwayi wophunzitsa ndi kuphunzitsidwa ntchito. Federal Pell Grants amapereka chithandizo cha ndalama zofunikira kuti ophunzira apeze ndalama zochepa, pamene maprogramu osiyanasiyana obwereketsa ndalama zimathandiza ophunzira kugwiritsa ntchito maphunziro awo. Maprogramu a ntchito yophunzitsa ntchito, malangizo a ntchito, ndi mautumiki a ntchito othandiza anthu kupeza maluso ndi kupeza ntchito.

Programu za Thandizo la Mphamvu

Komiti ya Zoror Inhome Home Energy Application Program (LIHEAP) imathandiza mabanja oyenerera kulipira zotenthetsa ndi zoziziritsa, kukonza nyumba zawo, ndi kukonza zamphamvu zoyendera. Programu imeneyi ndi yofunika kwambiri kwa okalamba ndi mabanja okhala ndi ana aang’ono amene ali pangozi ya kutentha kopambanitsa.

Mmene Mapindu a Boma Amachirikizidwa ndi Kutumikiridwa

Maprogramu a phindu la boma amayendetsedwa ndi njira zosiyanasiyana, makamaka ndalama za msonkho za boma. Maprogramu ena, monga Social Security and Medicare, amayendetsedwa mwa kukhoma misonkho yopatulidwa ndi antchito ndi mabwana. Maprogramu ena, monga SNAP ndi Medicaid, amayendetsedwa mwa ndalama za msonkho wa anthu onse ndi kutumiza malamulo a pachaka kuchokera ku Congress.

Kuyang'anira maprogramu ameneŵa kumasiyanasiyana. Maprogramu a Federal onga Social Security amayendetsedwa mwachindunji ndi mabungwe a boma, pamene maprogramu ena ambiri amaphatikizapo kugwirizana pakati pa maboma a boma ndi boma. Mwachitsanzo, pamene kuli kwakuti SNAP iri programu ya boma yokhala ndi ndalama ndi zitsogozo za boma, mabungwe a boma amayendetsa programuyo kupyola maofesi a kumaloko ndipo amakhala okhoza kuigwiritsira ntchito.

Kutsimikizira Kuti Boma Lidzapindula

Kudziwa bwino mfundo zimenezi n’kofunika kwambiri kuti mudziwe ubwino umene mungapeze chifukwa chakuti boma likhoza kubweretsa madalitso osiyanasiyana.

Zofunika Kuti Tipeze Zinthu Zina

PL ndi imodzi ya njira zofala kwambiri zopindulira boma. Maprogramu ambiri amakhazikitsa malire a ndalama zoyendera Federal Poverty Level, ngakhale kuti mlingo wake suli wosiyana. Mwachitsanzo, ngongole za ACA za msonkho zilipo 400% FPL, CHAIP imaphikira ana m'mabanja 200% mpaka 300% FPL kudalira pa boma, ndipo SNAP imagwiritsira ntchito 130% ya FPL monga malire a ndalama zimene amapeza.

Poŵerengera ndalama zopindulira kupindula ndi kuchuluka kwa ndalama, maprogramu amalingalira ndalama zopezedwa (zochuluka zopezedwa asanachepetse ndalama) ndi ndalama za khonde (zopezedwa pambuyo pa ndalama zololedwa). DTA imaŵerengera ndalama zopezedwa kuchokera ku magwero ambiri, monga ngati malipiro, ndalama, Social Security, inshuwalansi, ndi kuchirikiza ana.

Malire Oyenera

Maprogramu ambiri opindulitsa amaikanso malire a ndalama. Malamulo ameneŵa amalingalira za phindu la ndalama zosungidwa, kuikizira ndalama, magalimoto, ndi katundu wina. Komabe, katundu wina amachotsedwa, monga nyumba imene mumakhalamo ndi galimoto imodzi.

Mmene Banja Limakhalira ndi Mmene Limakhalira

Ukulu wa nyumba umathandiza kwambiri kukhala wosangalatsa ndiponso kuchuluka kwa thandizo lomwe limapezeka. Maprogramu amafotokoza "nyumba" mosiyana, koma nthaŵi zambiri amaphatikizapo anthu amene amakhala pamodzi ndi kugawana ndalama zowonongedwa. SNAP imalingalira ukulu wa banja lanu, kulongosoledwa monga "Aliyense amene amakhala pamodzi ndi kugula ndi kukonzekera chakudya pamodzi," poŵerengera kuyamikira kwanu ndi mapindu othekera.

Unzika ndi Kusamukira Kudziko Lina

Maprogramu ambiri a boma amathandiza kukhala nzika kapena kukhala m'dziko. Food and Nutrition Act ya 2008 imachepetsa phindu la SNAP kwa nzika za United States ndi mapindu ena amene alipo pakalipano. Kaŵirikaŵiri, kuti ayenerere SNAP, osakhala a m'dzikolo ayenera kukwaniritsa chimodzi mwa zinthu zotsatirazi: Wakhala ku United States kwa zaka zosachepera 5. Kulandira chithandizo kapena mapindu ena ogwirizana ndi lamulo.

Nkofunika kudziŵa kuti ngati ana anu alipo mwalamulo kapena ali nzika za United States, iwo angakhalebe oyenerera kaamba ka mapindu a SNAP ngakhale ngati simunayeneretsedwa. Mukhoza kufunsira kwa ana anu popanda kuwauza za malo anu osamukirako.

Zofunika Kugwira Ntchito

Maprogramu ena opindulitsa amakhazikitsa ziyeneretso za ntchito kwa achikulire okhoza. Anthu ayenera kukwaniritsa ziyeneretso za ntchito kuti ayenere ku SNAP . Masinthidwe aposachedwapa a boma afutukula zofunika zimenezi. Monga Feb 1, 2026: Pansi pa malamulo atsopano, achikulire a zaka 55-64 amene alibe odalira pa ntchito angafunikire kugwira ntchito, kudzipereka, kapena kulowa ntchito yophunzitsa SNAP kwa maola 80 mwezi uliwonse kuti alandire mapindu.

Anthu ena saloledwa kugwira ntchito, kuphatikizapo amene ali ndi pakati, kusamalira ana aang’ono, kuthupi kapena maganizo osakhoza kugwira ntchito, kapena amene akugwira ntchito yokwanira.

Zofunika pa Ukalamba

Zaka ndizo zimadziŵikitsa maprogramu ambiri opindulitsa. Kuchuluka kwa zinthu kumayamba pausinkhu wa 65, pamene kuli kwakuti mapindu a Social Security angaperekedwe akali aang’ono pa zaka 62, ngakhale kuti mukudikira kufikira pa msinkhu wopuma pantchito kapena pambuyo pake kutulukapo ndi malipiro apamwamba a mwezi ndi mwezi. Maprogramu ena amene amaikiridwa mwachindunji, amazindikira zosoŵa zawo zapadera ndi kuchuluka kwa anthu.

Kulephera Kugwira Ntchito

Kulephera kukhudza maprogramu angapo, kuphatikizapo SSDI, SSI, ndi magulu ena a Medicaid. Programs zimagwiritsira ntchito mafotokozedwe a kupunduka, makamaka kuti mkhalidwewo umaletsa ntchito yochuluka ndipo umayembekezeredwa kukhala kwa miyezi isanu ndi iŵiri kapena kuchititsa imfa. Makalata a zamankhwala ndi kupenda nkofunika kuti akhazikitse malo a kupunduka.

Zimene Angachite: Njira Imodzi

Kugwiritsa ntchito njira zothandizira boma kungaoneke ngati kovuta, koma kudziwa mmene zinthuzo zikuyendera ndiponso mmene zikukonzekere kungathandize kuti zinthu ziziyenda bwino.

Mfundo 1: Sankhani Kuti Ndi Zinthu Zotani Zimene Zingakuthandizeni

Maboma ambiri ndi mabungwe ena amathandiza kugwiritsa ntchito zipangizo zimene zingakuthandizeni kudziwa mapulogalamu ofunika.

Sitepe 2: Sonkhanitsani Malemba Ofunika

Maseŵero ambiri amafunika mapepala ambiri kuti atsimikizire kuti n’zotheka. Makalata ofala ofunikira ndi monga:

  • Umboni wa chizindikiritso (laisensi ya mtsiri, ID ya boma, chikalata cha kubadwa, pasipoti)
  • Chiŵerengero cha Chisungiko cha Mabanja onse
  • Umboni wakuti ndalama zimene amapeza (zopereŵera, zobwezera msonkho, zopimira za chitetezo cha anthu, zolembedwa za ulova)
  • Umboni wa kuchuluka kwa nyumba (mapepala a ndalama zokhaliramo, mapangano a ngongole, ndi zikalata za nyumba)
  • Maakaunti a ku Banki ndi zikalata za ndalama
  • Zolembedwa za zamankhwala (zothandiza ndi zopunduka)
  • Umboni wa zowonongedwa (zofunika, zamagetsi, zosamalira ana, zowonongedwa za mankhwala)

Mungagwiritse ntchito mapepala otsatirawa monga umboni: Kutsimikizira monga laisensi ya dalaivala, khadi la boma la ID, chikalata cha kubadwa kwa mwana, khadi la khadi la ku sukulu, khadi la inshuwalansi ya zaumoyo, khadi la wovota, kapena umboni wakuti ali m’dziko lachilendo.

Mfundo 3: Malizitsani Kufotokoza Mfundoyi

Mapulogalamu angafanitsidwe kudzera m'masitepe ambiri kudalira pa pulogalamu ndi boma lanu. Malinga ndi boma lanu, mungathe kutumiza chidindo chofunsira chakudya pa Intaneti, pamasom'pamaso, ndi pafax, kapena pa fax. Masewera a pa Intaneti akhala ofala kwambiri ndipo nthaŵi zambiri amathandiza kukonza mofulumira kwambiri zinthu.

Pomaliza kufunsira kwanu, khalani olondola ndi olondola. Phunzirani chidziŵitso chokwanira pa mafunso onse, ndipo musasiye zigawo zopanda kanthu pokhapo ngati sizikukhudzani. Maseŵero osakwanira angachedwetse kukonza kapena kukana.

Sitepe 4: Pitani Kucheza ndi Anthu Kapena Pangano

Mungafunikire kuchita nawo kafukufuku musanavomereze kuti mukhale ndi pulogalamu ya SNAP.

Sitepe 5: Yembekezani Kuti Musankhe Zochita

Kulinganiza nthaŵi kumasiyanasiyana kwambiri ndi pulogalamu ndi mphamvu. Mukafuna kugwiritsa ntchito, DTA adzakutumizirani chosankha pasanathe masiku 30. Komabe, njira yoyezera ingakhale yothandiza anthu amene akufunikira kufulumira. Mungakhale ndi mwayi wolandira ndalama za SNAP pa masiku 7 a tsiku la kufunsira ngati mukwaniritsa zofunika zina. Mwachitsanzo, ngati banja lanu lili ndi ndalama zosakwana madola 100 pa zinthu zamadzi ndi $150 pa ndalama zimene mumapeza mwezi uliwonse, kapena ngati ndalama za banja lanu zikuphatikiza ndalama zambiri ndi zamadzimadzi ndi zotsala ndi ndalama zochepa zimene mumalipira mwezi uliwonse.

Mukadikira, mungapemphedwe kupereka mapepala owonjezereka kapena kuwongolera.

Mfundo 6: Muzipindula

Ngati muvomerezedwa, mudzalandira chidziŵitso chofotokoza phindu lanu, pamene mapindu adzayambika, ndi utali wa nyengo yanu yotsimikizira ikakhala. Ngati mupezedwa woyenerera, mudzapeza chidziŵitso chimene chimakuuzani za utali wa utali umene mudzalandira SNAP kaamba ka; iyi imatchedwa nyengo yanu ya kutsimikizira.

Kupindu la SNAP, ngati mupezedwa kukhala woyenerera, mudzalandira mapindu a SNAP pa khadi la Electronic Benefit Transvection (EBT) limene limagwira ntchito monga khadi la debit . Mapindu amaikidwa okha m'kaundula wanu mwezi uliwonse. Ofunsira ambiri amalandira khadi mkati mwa masiku 35 akulembetsa kufunsira kwawo.

Mmene Mapindu Amaŵerengedwera ndi Kugaŵiridwa

Kumvetsa mmene mungapezere mapindu kungakuthandizeni kudziwa thandizo limene mungalandire.

SNAP Ipindula ndi Kuŵerengera

Chifukwa chakuti mabanja a SNAP amayembekezeredwa kuwonongera pafupifupi 30 peresenti ya chuma chawo pa chakudya, gawo lanu limaŵerengeredwa mwa kuchulukitsa ndalama za banja lanu mwezi ndi 0.3, ndi kuchotsa chotulukapo kuchokera ku gawo lochuluka la mwezi ndi mwezi la banja lanu. Njira imeneyi imatsimikizira kuti ipindula kuwonjezera, mmalo mwa kulowa mmalo, bajeti ya chakudya cha m’nyumba.

Kawerengedweka kakusonyeza kuti ndalama zimene anthu okalamba kapena opunduka amalandira sizili ndi ndalama zambiri, monga ndalama zimene amalandira, ndalama zimene amalandira, ndalama zolipirira ndalama zimene amafunikira, ndalama zowonongedwa pachipatala, ndalama zimene okalamba kapena opunduka amalipira, ndiponso ndalama zowonongera ndalama zotsala.

Kuŵerengera Ubwino wa Chikhalidwe

Mapindu a Kupuma pa Ntchito ya Anthu amadalira pa ndalama zimene mumalandira zaka 35, zomwe zimasintha chifukwa cha kukwera mtengo kwa zinthu. Bungwe la Social Security Administration limagwiritsa ntchito njira imene imasintha ndalama zolandira anthu ochepa, kutsimikizira kuti pulogalamuyo ikuyendera bwino.

Kuŵerengera Thandizo la Nyumba

Pamaprogramu a pulogalamu ya kukonza nyumba, opanga nawo ntchito amalipira 30 peresenti ya ndalama zawo zosinthidwa mwezi uliwonse ku lendi ndi zinthu zina zofunika, ndi chikalata chotsimikizira kusiyana kwa ndalama zimene zilipo pakati pa ndalamazo ndi muyezo wa ndalama (zomwe zimayendera pa malendi a msika wabwino). Zimenezi zimatsimikizira kuti ndalama zokhalamo nyumba zikukhalabe zokwana ndalama zoyendetsera ndalama.

Njira Zogawira

Mapindu amagaŵiridwa kupyolera m’njira zosiyanasiyana zikumadalira pa programu:

  • Drect Deposit: Chisungiko cha Anthu ndi mapindu ena ambiri a ndalama amaikidwa mwachindunji m'maakaunti a ku banki
  • Makadi a BT: [[FLT] SNAP ndi mapindu ena amaikidwa pa makhadi Otumiza Ku
  • Zoyendera: maprogramu ena amafufuzabe mapepala, ngakhale kuti zimenezi zikucheperachepera
  • Mavoucher : chithandizo cha nyumba ndi maprogramu ena amagwiritsira ntchito zitsimikiziro zimene zimalipidwa mwachindunji kwa operekera utumiki
  • Mautumiki othandizira: Zina za mapindu, monga Medicaid, zimapereka njira yachindunji ya mautumiki mmalo mwa kulipirira ndalama

Kusunga Mapindu Anu: Zofunika Kupitirizabe

Kuvomerezedwa kuti mupindule ndi zinthu zina n’kongoyambika chabe, ndipo mapulogalamu ambiri ali ndi zofunika zimene anthu ayenera kukwaniritsa kuti apitirizebe kuthandizidwa.

Kupatsidwanso chikalata

Maprogramu ambiri opindulitsa amafunikira kutsimikizira kwa apa ndi apo kuti atsimikizire kuti pulogalamu ikupita patsogolo. Magawo olembera asinthasintha ndi mapulogalamu a olandira. Mwachitsanzo, mabanja amene mamembala onse ndi achikulire (a zaka 60 ndi kuposa) kapena anthu olumala ali oyenerera kutenga nawo mbali mu Texas Loroshe Project (ATAP), imene imapangitsa kugwiritsa ntchito SNAP kulembedwa kukhala kosavuta ndipo imapereka mapindu a zaka zitatu panthaŵi imodzi m’malo mwa miyezi isanu ndi umodzi.

Pambuyo pa chikalata, mudzafunikira kupereka chidziŵitso chosinthasintha chonena za ndalama zimene mumalandira, kujambula za m'nyumba, zowonongedwa, ndi zinthu zina zofunika. Kusoŵa kwa masiku olembedwanso kungathetseretu, chotero kuli kofunika kuvomereza mwamsanga zikalata zotsimikizira.

Kusimba za Kusintha kwa Zinthu

Anthu amene alandira kalatayi amafunika kufotokoza mmene zinthu zina zasinthira pa moyo wawo.

  • Kusintha kwa ndalama (ntchito yatsopano, kukweza, kuchotsedwa ntchito)
  • Kusintha kwa kalembedwe ka m’nyumba (ana, imfa, munthu wina wosamukiramo kapena kutuluka)
  • Kusintha kumene kuli adiresi yathu kapena mameseji athu
  • Kusintha kwa zowonongedwa (kuwonjezereka kowonjezereka, kuwonongedwa kwa chisamaliro cha mwana chatsopano)
  • Kusintha kwa chuma kapena chuma
  • Kusintha kwa ntchito

Kulemba zinthu zofunika komanso madesiki a nthawi kumasiyana malinga ndi mapulogalamu. Kusintha kwina kuyenera kulembedwa pa masiku 10 okha, pamene kwina kukhoza kulembedwa ngati chikalata chosonyeza kuti zinthu zina zasintha. Kulephera kufotokoza kusintha kofunikira kukhoza kuchititsa kuti munthu abweze ndalama zochuluka kwambiri, kapena ngakhale kulipira ndalama zachinyengo pa milandu yaikulu.

Kugwirizana ndi Malamulo a Programu

Pulogalamu iliyonse ya phindu ili ndi malamulo amene olandira ayenera kutsatira. Kwa SNAP, zimenezi zimaphatikizapo kugwiritsa ntchito zinthu zofunikira pa chakudya ndi kusagulitsa kapena kugulitsa.

Mavuto Amene Anthu Ambiri Amakumana Nawo Ndiponso Zimene Angachite

Kudziwa zimene anthu ambiri angakumane nazo komanso kudziwa mmene mungathetsere mavutowo kungakuthandizeni kuti zinthu zizikuyenderani bwino.

Kugwiritsira Ntchito Kukana

Mapulogalamu a pa Intaneti nthawi zina amakanidwa pazifukwa zosiyanasiyana, kuphatikizapo mfundo zosakwanira, kusowa kwa mapepala, ndalama zimene mumalandira pa malire, kapena kulephera kukwaniritsa ziyeneretso zina zoyenerera. Ngati mukana kugwiritsa ntchito njira zopimira zikhoza kukopa anthu. Njira zoyendetsera ndi masiku otsalira zimasiyana ndi pulogalamu, koma nthawi zambiri zimaphatikizapo kupempha kuti mumvetse kumene mungapereke chidziŵitso chowonjezereka kapena kutsutsa chosankha cha bungwelo.

Kuvuta Pomasulira

Kusonkhanitsa zikalata zofunika kungakhale kovuta, makamaka kwa anthu amene alibe pokhala, anthu osadziŵa bwino Chingelezi, kapena anthu opunduka. Maprogramu ambiri ndi mabungwe a m'dera amathandiza kupeza zikalata zofunikira. Musalole zikalata kukulepheretsani kugwiritsa ntchito zinthu zina.

Nthaŵi Yaitali

Kuchedwa kungachititse mavuto kwa anthu amene akufunikira thandizo mwamsanga. Ngati mukukumana ndi vuto linalake, funsani kuti mudziwe njira zina zimene mungagwiritse ntchito. Mapulogalamu ambiri ali ndi makonzedwe othandiza kuti akonze mwamsanga pamene ofunsirawo apeza njira zina zosonyezera kuti akufunikira mwamsanga.

Malingaliro Olakwika

Mwatsoka, kunyozedwa ndi kulandira mapindu a boma kumaletsa anthu ena oyenerera kugwiritsa ntchito. Nkofunika kukumbukira kuti maprogramu ameneŵa amakhalapo makamaka kuthandiza anthu panthaŵi zovuta, ndi kuwagwiritsa ntchito pamene mukuyenerera kukhala chinthu chosayenera kuchita manyazi. Anthu ambiri amene amapereka ku maprogramu ameneŵa kupyolera m'makhoma amafunikira kugwiritsa ntchito iwo eni.

Malamulo Ocholoŵana

Maprogramu a phindu ali ndi malamulo ovuta kuwamvetsa. Musazengereze kufunsa mafunso a antchito a zachuma, kufunsa alangizi a m'dera lanu. Mabungwe ambiri osapanga phindu amene amathandiza anthu kuti ayende bwino ndipo angathandize kwaulere.

Kusamalira Mwapadera Anthu Osiyanasiyana

Agogo

Anthu achikulire ali ndi mwayi wopeza zinthu zambiri zapadera. Anthu achikulire mu 2026 angapeze ndalama zosachepera 14 za boma, monga ndalama zolipirira anthu opuma pantchito, Medicare Saves Programs , ndi kukonzanso zinthu zofunikira pachaka (COLA). Komabe, anthu a ku America okwana 65 ndi achikulire ambiri amasiya madola masauzande ambiri kuti boma liziwapindulitsa chaka chilichonse.

Akulu ayenera kudziŵa mapindu ena kuposa maprogramu ofala. Aamereka a zaka 65 ndi achikulire amayenerera kaamba ka ndalama zochepetsedwa zapamwamba kuposa olemba mafaelo achichepere — phindu la boma lolunjika limene limachepetsa ndalama zokhomedwa popanda kupereka zinthu. Malinga ndi IRS, akulu amapindulanso ndi kukonza misonkho yaulere kupyolera mwa pulogalamu ya Okalamba (TCE) ndi AARP Foundation Teach-Aide, zonse ziŵiri popanda chilo.

Anthu Olumala

Anthu opunduka angayenerere maprogramu ambiri opindulitsa, kuphatikizapo SSDI, SSI, Medicaid, SNAP, ndi chithandizo cha nyumba. Kulephera kukhozanso kusokoneza maprogramu ena, nthaŵi zina kuchotsa pa zofunika za ntchito kapena kulola ziwiya zapamwamba. Kufunsira mapindu a chilema kungakhale kwanthaŵi yaitali ndi kocholoŵana, kaŵirikaŵiri kumafuna zolemba zamankhwala zambiri ndipo nthaŵi zina kupempha zambiri.

Mabanja Okhala ndi Ana

Mabanja okhala ndi ana ali ndi maprogramu osiyanasiyana olinganizidwira kuchirikiza kukula kwa ana ndi bata la banja. Ameneŵa amaphatikizapo SNAP, Medicaid ndi CHAIP kwa ana, chithandizo cha ana, Chikalata cha Ana cha Price, ndi mapindu a maphunziro. Maprogramu ambiri amaika patsogolo mabanja ndi ana aang’ono, kuzindikira kufunika kwa chichirikizo cha ana adakali aang’ono.

Maledzere

Ogula ndi mabanja awo angayenerere kaamba ka mapindu apadera kupyolera mwa Dipatimenti ya Veterans Affairs kuwonjezera ku mapindu a anthu onse. Mapindu a Va amaphatikizapo malipiro a kupunduka, maprogramu a penshoni, chisamaliro cha zaumoyo, maphunziro, ngongole za panyumba, ndi mapindu a kumanda. Ogula ayenera kupenda maprogramu onse aŵiri achindunji ndi mapindu a anthu onse kuti afutukule chithandizo chopezeka.

Osamuka

Kuyenerera kupindula ndi boma kumasiyanasiyana kwambiri chifukwa cha kusamukira m’dziko. Ngakhale kuti anthu osamukira m’dziko amene sanalembedwe kuti ndi ovomerezeka ku boma, anthu ambiri osamukira kudziko lina pakalipano angapeze mapulogalamu ena pambuyo pogwirizana ndi zofuna za makolo awo, ndipo amafunsira mapindu kwa anthu a m’banja amene ali oyenerera osakhudza malo a kusamukira kapena mafomu a m’tsogolo ofunsira kuti akhale nzika.

Kusintha kwa Posachedwapa ndi Kukonzanso Mapindu a Boma

Kudziŵa za kusintha kumeneku n’kofunika kwambiri kwa anthu amene akulandira thandizoli ndiponso amene angalandire thandizolo.

2026 Kufutukula

Masinthidwe angapo aakulu achitika kapena andandalitsidwa mu 2026. Zitsogozo za Federal Poverty Level zasinthidwa, kukhudza kuyenerera kwa maprogramu ambiri. Zofunika za ntchito za SNAP zafutukulidwa kuphatikizapo achikulire, okhala ndi zifuno za ntchito zowonjezereka (zogwira ntchito pa December 1, 2025) ndi malamulo atsopano (ogwira ntchito pa February 1, 2026).

Mabanja okhala ndi ndalama zosamalira ana, pali nkhani zabwino. Kwanthaŵi yoyamba m'zaka pafupifupi 40, Decrence Care Action Program idzawonjezeka kuchokera pa $5,000 [$2,500] mpaka $3,50 yokwatira moimbira) pansi pa buku la Big Beach Bill lomwe linadutsa mu July 2025. Kuwonjezekaku kumagwira ntchito kwa zaka za msonkho kuyambira January 1, 2026 ndipo sikuikidwa m'ndandanda wa kukwera mtengo kwa ndalama.

Kusintha kwa Zaumoyo

Makina ogulitsa mankhwala amasinthidwa chaka chilichonse. Kapu ya mankhwala oletsedwayi imasintha kwambiri kwa anthu olandira Medicare, ndipo imapereka chitetezo chachikulu ku mtengo wa mankhwala apamwamba. Kuwonjezera apo, Madoko a Malo Okongola Aakulu angabwezere tham' otetezeka a December 1, 2025, kulola kuti ma HDHP ndi mabwana awo azitha kuphimba magetsi pa maziko oyamba a DVDoperalth popanda kugwiritsa ntchito HSAIGWI. Zimenezi zikutanthauza kuti olemba ntchito angasunge kapena kubwezeretsa ndalama zokwana madola 0 pa 2025 ndi kupitirira.

Chuma ndi Pamene Mungapeze Thandizo

Pali zinthu zambiri zimene zingakuthandizeni kumvetsa ndiponso kupeza madalitso a boma.

Mawebusaiti a Boma ndi Mapiko

Mawebusaiti a boma amapereka mfundo zodalirika zokhudza mapulogalamu opindulitsa. Malo amene amathandiza anthu a boma ndi odalirika ndipo amaphatikizapo chipangizo choonera zinthu. Webusaiti ya Social Security Administration (s.gov) imapereka mfundo zatsatanetsatane zokhudza mapulogalamu a Social Security, mapulogalamu a pa Intaneti, ndi mawebusaiti a boma. Boma ndi mawebusaiti akwawo amapereka chidziŵitso chonena za mapulogalamu a boma ndi maofesi akwawo.

Mabungwe a Anthu

Mabungwe ambiri osapanga phindu amene amathandiza anthu kupeza mapindu. Ameneŵa amaphatikizapo mabungwe othandizira anthu, mabungwe a zaumoyo, malo aakulu, magulu opunduka othandizira anthu osoŵa ndalama, ndi mabungwe osamukira m’dziko. Magulu ameneŵa kaŵirikaŵiri amapereka chithandizo chaulere, chithandizo cha uphungu, ndi mautumiki a zauchigawenga.

Ziŵiya Zopendera Zimapindula

Zida zimenezi zimafunsa mafunso okhudza mmene zinthu zilili pa moyo wanu ndipo zimapereka ndandanda ya mapulogalamu ofunika kwambiri.

Thandizo la Akatswiri

M’zochitika zina, chithandizo cha akatswiri kuchokera kwa maloya, chithandizo kwa akatswiri, kapena aphungu a zachuma chingakhale chothandiza, makamaka pa mikhalidwe yovuta kapena zikopa. Mabungwe ambiri amapereka mautumiki ameneŵa pamlingo wozembera kapena pa maziko a mabono a anthu olandira bwino.

Kuwonjezera Mapindu Anu

Kudziwa mmene mungathandizire ndalama zambiri kungakuthandizeni.

Gwiritsirani Ntchito Maprogramu Onse Odalirika

Mukhoza kugwiritsa ntchito mapulogalamu osiyanasiyana kuti mupeze thandizo lokwanira.

Kumvetsetsa Mabuku Ololedwa

Maprogramu ambiri amalola kuchepetsedwa kwa ndalama zimene amapeza pamene muŵerengera kuti mukhoza kupindula ndi ndalama. Onetsetsani kuti mukugula ndalama zonse zimene muyenera kulipira, monga zowonongedwa za ana, za mankhwala, ndi zolipirira pogona. Madowa angathandize kuti pakhale kusiyana pakati pa kuyenerera kapena ayi, kapena kuwonjezera phindu lanu.

Gwiritsirani Ntchito Maprogramu Apadera

Maboma ambiri amapereka maprogramu ena amene amathandizira boma. Mwachitsanzo, mayiko ena ali ndi maprogramu amene amapereka chakudya chowonjezereka kuwonjezera pa SNAP, chithandizo cha magetsi kupyola pa LIHEAP, kapena maprogramu a zaumoyo okonzedwa bwino a boma. Fufuzani zimene zilipo m'boma lanu.

Gwiritsirani Ntchito Mapindu Mwanzeru

Kuthandiza SNAP, kugula zinthu zambiri, ndi kusankha zakudya zopatsa thanzi zimene zingakuthandizeni kwambiri.

Khalani Odziŵa Bwino

Muzidziwa kuti zinthu zasintha chifukwa choti mabungwe a boma angakuthandizeni, amva nkhani zokhudza dziko lanu komanso amalankhulana ndi mabungwe amene angakuthandizeni.

Ufulu ndi Udindo wa Olandira Ubwino

Monga wolandira wopindulitsa, muli ndi ufulu ndi mathayo omwe ofunika kuwamvetsetsa.

Ufulu Wanu

Olandirawo ali ndi ufulu wochitiridwa mwaulemu ndi antchito a m’bungwelo, kulandira chidziŵitso chomveka bwino chonena za malamulo a pulogalamu ndi zofunika, kulandira mafomu a mafomu a panthaŵi yake, kulandira mapindu mwamsanga ngati avomerezedwa, kuchonderera zosankha zimene simukugwirizana nazo, kusunga chidziŵitso chanu chachinsinsi, ndi kulandira chithandizo m’chinenero chanu chokondeka kapena m’malo okhala opunduka.

Udindo Wanu

Olandira ali ndi thayo la kupereka chidziŵitso cholongosoka ndi chathunthu pa mapempho, kupereka masinthidwe ofunikira m’mikhalidwe, kugwiritsira ntchito mapindu kokha kaamba ka chifuno chawo, kutsata malamulo ndi zofunika za programu, kupezeka paudindo ndi kufunsa, kumaliza chikalata cha kulembedwanso panthaŵi yake, ndi kugwirizana ndi kupenda kwabwino kapena kufufuza.

Kuteteza Chinyengo

Phindu la chinyengo limatengedwa mwamphamvu ndipo lingatulukepo zinenezo zaupandu, zofunikira, ndi kuchotsedwa pa maprogramu. Nthaŵi zonse perekani chidziŵitso chowona, dziŵitsani zonse zofunikira kusintha, gwiritsirani ntchito mapindu monga momwe alinganizidwira, ndipo musagulitse kapena kugulitsa. Ngati mupanga cholakwa chowona mtima, simbani mwamsanga . "zofuna zachinyengo zimalekerera kwambiri zolakwa zowona mtima kuposa chinyengo chadala.

M’tsogolomu Boma Lidzapindula

Kumvetsa zimene zingadzachitike m’tsogolo kungakuthandizeni kuti mukonze zinthu mogwirizana ndi kusintha kwa chuma, kusintha kwa anthu, ndiponso kuti mukhale ndi malamulo ofunika kwambiri.

Kusintha kwa Zipangizo

Mapulogalamuwa amathandiza anthu amene alibe luso lotha kugwiritsa ntchito Intaneti, kugwiritsa ntchito mapulogalamu a pakompyuta, makompyuta a pakompyuta, ndi mapulogalamu a m’manja.

Kutsutsana kwa Mfundo za Malamulo

Maprogramu opindulitsa kaŵirikaŵiri amachititsidwa ndi makambitsirano a ndale zadziko, ndi makambitsirano onena za miyezo ya kukhala woyenerera, kupindula ndi miyezo ya ntchito, ndi ndalama. Kukhalabe wodziŵitsidwa ponena za zigamulo za malamulo kungakuthandizeni kumvetsetsa masinthidwe amene angakuyambukireni ndi kulolani kutenga mbali m’dongosolo la demokrase mwa kuvota ndi kuvomereza.

Kusintha kwa Moyo Wathu

Kumvetsa zimenezi kungakuthandizeni kukonzekera zimene mungathe kudzachita m’tsogolo ndiponso kulimbikitsa anthu kuti zinthu zizikuyenderani bwino.

Kumaliza

Mapindu a boma amathandiza kwambiri anthu mamiliyoni ambiri a ku America pamavuto awo ndiponso kuthandiza kuonetsetsa kuti zinthu zofunika kwambiri zikukwaniritsidwa.

Musalole kucholoŵana, kunyozedwa, kapena malingaliro olakwika kukuletsani kupeza mapindu amene mufunikira. Maprogramu ameneŵa amakhalapo makamaka kuthandiza anthu onga inu, ndi kuwagwiritsira ntchito pamene muyenerera kukhala ponse paŵiri kuyenera kwanu ndi chosankha chanzeru cha zachuma. Gwiritsirani ntchito zipangizo zimene zilipo, pemphani thandizo pamene mukufunikira, ndipo limbikirani kulondola chithandizo chimene mufuna.

Kaya mukukumana ndi vuto la kanthaŵi kapena mavuto anthaŵi yaitali, mapindu a boma angapereke chithandizo chofunika kwambiri kukuthandizani kukwaniritsa zosoŵa zanu zazikulu, kusunga thanzi lanu, ndi kugwirira ntchito ku kukhala wokhazikika kwambiri ndi wokhutira. Mwa kuzindikira dongosolo ndi kuchita nalo, mungapeze zinthu zolinganizidwa kukuthandizani kuti mukhale ndi moyo wabwino.

Kaamba ka chidziŵitso chowonjezereka ponena za maprogramu opindulitsa ndi kupeza ziŵiya zogwiritsira ntchito m'dera lanu, chezerani Benefitns. gov , lankhulani ndi boma lanu kapena bungwe lako la mautumiki a anthu, kapena fikirani ku mabungwe a m'chitaganya amene amapindula. Kumbukirani kuti malamulo opimira ndi kupindula ndi kusintha kwa ndalama nthaŵi zonse, chotero kuli kofunika nthaŵi zonse kupenda chidziŵitso chamakono ndi kugwiritsa ntchito ngakhale ngati simunatsimikizire kuti mukuyenerera kukwaniritsa zimene zingachitike, koma mungatulukire kuti muyene oyenerera kaamba ka chithandizo chaphindu chimene simunadziŵa.

Zopereka zina zothandiza zimaphatikizapo Suctivity Administration ya kupuma pantchito, kupumula, ndi mapindu opulumuka; Food ndi Nutrition Service ya chidziŵitso cha SPAP; [[FLT:]] Mecare. [FLT] Madenti . [[FLT:] imapindulitsa anthu achikulire ndi opunduka; ndi .HUD.v[FLT:] kaamba ka maprogramumboni a nyumba. Kutenga nthaŵi yofufuza chuma chimenechi ndi kumvetsetsa zosankha zanu ndi kusungidwa kwanu kuli ndalama zanu zachuma ndi zopindulitsa bwino.