Table of Contents

Kumvetsetsa Mapindu a Boma: Chitsogozo Chofunika cha Kufikira Maprogramu Ochirikiza

Kugwiritsa ntchito mapulogalamu ovuta a boma kungakuvuteni, makamaka pamene mukuvutika ndi ndalama kapena mavuto a moyo. Anthu mamiliyoni ambiri oyenerera ku America salandira mapindu amene amayenerera — kaŵirikaŵiri chifukwa chakuti samadziŵa maprogramuwo, sadziwa mmene angagwiritsire ntchito, kapena satha kuyenerera. Mtsogoleri womvetsa bwino ameneyu amaswa njira yodziŵira, kufunsira, ndi kusungilira maprogramu a boma, kukupatsani chidziŵitso ndi chidaliro kuti mupeze chithandizo chimene mufuna ndi chimene mufunikira.

Kuchokera pa chakudya ndi chithandizo chaumoyo chokhudza nyumba ndiponso kusoŵa kwa anthu opunduka, maprogramu ameneŵa amapanga njira yotetezera anthu mamiliyoni ambiri a ku America. Kumvetsetsa mmene mungayendetsere bwino njira imeneyi kungathandize kwambiri kuti mukhale ndi ndalama ndiponso moyo wabwino.

Chifukwa Chake Boma Limapindula

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 sangathe kuilamulira. Maprogramu ameneŵa saali opereka ndalama mwa munthu ndi mabanja amene amathandiza kukhazikitsa chitaganya, kuchirikiza kukula kwa ana, ndi kutheketsa anthu kubwerera ku mapazi awo m’nthaŵi zovuta.

Kuposa $30 biliyoni m'mapindu a boma samatchulidwa chaka chilichonse chifukwa chakuti anthu sakudziŵa kuti ali oyenerera. Munthu wodabwitsa ameneyu ali chithandizo chenicheni chimene chingathandize mabanja kuika chakudya patebulo, kusamala zaumoyo, kusunga nyumba zawo, ndi kukwaniritsa zosoŵa zina zofunika. Kumvetsetsa kulimba kwanu ndi kuchitapo kanthu kuti mukhale ndi mapindu amene muyenerera sikuli chabe kwanzeru .

Mfundo Yoyamba: Dziwani Mapindu Amene Mungapeze ndi Kudziwa Kuti Ndinu Wopambana

Sitepe loyamba ndi lofunika kwambiri popezera mapindu a boma ndilo kuzindikira maprogramu amene muli nawo ndi amene mungayenerere kuyenerera. Boma la boma, limodzi ndi mabungwe a boma ndi akumaloko, limakhazikitsa maprogramu ambiri othandiza, limodzi ndi limodzi lokhala ndi miyezo yakeyake yoyenerera ndi njira yogwiritsira ntchito.

Kumvetsetsa Mkhalidwe wa Umphaŵi wa Pagulu

Maprogramu ambiri amakhazikitsa kuthekera pa chigawo cha FPL, monga 138% ya Medicaid m'maboma ofutukuka kapena 130% ya SNAP. Federal Poverty Leight (FPL) imagwira ntchito monga kuŵerengera kumene mabungwe a boma amagwiritsira ntchito kutsimikizira kuyenerera kwa maprogramu ambiri othandiza. FPL imazikidwa pa ukulu wa banja ndipo imasinthidwa chaka chilichonse kusonyeza masinthidwe mu Consumer Price Index for All Urbans (CI-U).

Kwa munthu, FPL inakwera ndi $310 (kuyambira $15,650 mpaka $15,960), pafupifupi kuwonjezeka kwa 2%. Kwa banja la anai, linawonjezeka ndi $850 (kuyambira pa $3,150 mpaka K3,000), pafupifupi kuwonjezeka kwa 2.6%. Kusintha kumeneku pachaka kumatanthauza kuti anthu ambiri angayenerere kupeza mapindu monga malo opezerapo ndalama zokwera ndi kukwera mtengo.

Maprogramu Aakulu Opindulitsa

Programu ya Chithandizo cha Zakudya Zowonjezera (SNAP)

SNAP — yomwe kale inkadziŵika monga zidindo za chakudya — ndiyo programu yaikulu koposa ya boma yothandiza chakudya, yotumikira anthu oposa 42 miliyoni a ku Amereka. Programme imeneyi imathandiza anthu ndi mabanja ochepera olandira chakudya chopatsa thanzi kupyolera m’khadi la Electronic Beence Transrection (EBT) limene limagwira ntchito monga khadi lochotsera ndalama m’masitolo ndi m’misika ya alimi.

[[ML:0] Zofunika:[[Kusintha:1]

  • Mtengo wa banja lanu uyenera kukhala pa 130% ya umphaŵi wa boma (FPL).
  • Kwa banja la anthu anayi mu 2026, ndalama zoyendetsera nsomba pa Intaneti ziyenera kukhala pa 100% FPL kapena kutsika pa 100.
  • Mabanja ambiri amene ali ndi chiŵalo chimene chimalandira SSI kapena TANF amayenerera kutero.

Kusintha kwa 2026: OBBA imakweza malire a msinkhu wa ntchito ya ABWD, kuyambira 55 mpaka 64. Kusintha kumeneku kumatanthauza kuti achikulire amene kale analoledwa tsopano ayenera kupeza maola 20 a ntchito mlungu umodzi kuti asungebe mapindu awo. Komabe, OPUZIKI ASNAP angafikire lamulo la maola 20 peresenti mlungu limodzi ndi mlingo uliwonse wa malipiro, ndi ntchito yongodzipereka ndi maprogramu ophunzitsa ntchito, kuphatikizapo ntchito za SNAP ndi programu ya programu Yophunzitsa.

Benefit Areals : Avereji ya SNAP ndi pafupifupi $6 pa munthu aliyense patsiku, ngakhale kuti ndalama zochulukirapo malinga ndi kukula kwa nyumba ndi ndalama zimene amapeza. Banja la anai lingalandire $975 / mwezi mu 2026.

Kutsekeredwa kwa Madesitiked ndi Zaumoyo

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.

Kukhoza m'Mafukupo a Dziko: M'maboma ofutukuka, achikulire angayenerere ndi ndalama kufikira 138% ya Federal Poverty Leight (chifupifupi $2,597 / chaka cha munthu wosakwatira mu 2026). Chikole chimaphatikizapo maulendo a dokotala, kukhala ndi malo a kuchipatala, mankhwala, mautumiki a zaumoyo, ndi zina zowonjezereka.

Kulingalira Kwawo Opanda Ntchito: [[FLT :1] M'mawu akuti kuchuluka kwa Medicaid, kuchuluka kwa ndalama kumazikidwa pa ndalama zanu za mwezi ndi mwezi, osati ndalama zanu zonse za chaka. Zimenezi zingapereke kukambitsirana kwaulere kapena kochepera kwenikweni pamene muli pa mapindu 2026.

Thandizo Lokanthaŵi la Mabanja Osoŵa (TANF)

SOCHUT GARLF for Needy Families (TANF) ndi programu yochirikizidwa ndi boma, ya boma. Programu ya TANF, yodziŵika kwambiri monga ubwino, imapereka mabanja olandira ndalama zochepa oyenerera okhala ndi ana okhala ndi ndalama zaganyu zapakanthaŵi ndi mautumiki aulere.

Zimene tanF imabisa:[[FL:1]

  • Zowonongedwa zofunika pa moyo
  • Chakudya ndi zovala
  • Ndalama zowonongedwa m’nyumba
  • Zothandiza
  • Maboma ambiri amaphunzitsanso ntchito ndi kuthandiza kulipira ndalama za maphunziro ogwirizana ndi ntchito.

Mfundo zofunika: [[FLT :1] Boma lililonse kapena boma lafuko limayendetsa programu yake ya TANF mosiyana ndipo lili ndi dzina losiyana. Boma lililonse kapena gawo la fuko lili ndi ziyeneretso zake kaamba ka amene angapeze TANF. Muyenera kukhala nzika ya boma kumene mukugwiritsira ntchito.

Kupeza Chisungiko Chowonjezereka (SSI)

Bungwe la SSI limakonza zoti anthu okalamba, akhungu, kapena opunduka azilandira ndalama zambiri mwezi uliwonse ndipo ali ndi ndalama zochepa.

[[FLT: 0] Amene amapanga : Anthu okhala ndi kupunduka kapena khungu kochepa kwambiri, kapena amene ali ndi zaka 65 kapena kuposapo. Muyenera kukhala ndi zochepa zokhalira ndi chuma ndi ndalama, kuphatikizapo mapindu.

Inshuwalansi ya Chitetezo cha Anthu (SDI)

Mosiyana ndi SSI, SSDI yazikidwa pa mbiri yanu ya ntchito ndi misonkho ya Social Security imene munalipira. Kuti muyenerere, muyenera kukhala ndi ulema woyenerera umene umalepheretsa ntchito yochuluka ndipo wapeza ngongole zokwanira za ntchito mwa ntchito.

Msonkho wa avareji wa SSDI mu 2026 uli pafupifupi $400 pa mwezi, ngakhale kuti unyinji umasiyana malinga ndi mbiri yanu ya malipiro. Pambuyo pa miyezi 24 ya kulandira SSDI, mumakhala woyenerera kulembedwa kwa zamankhwala a Medicare.

Programu za Thandizo la Kunyumba

Mabungwe awiri akuluakulu a boma amathandiza anthu kupeza nyumba pogwiritsa ntchito chipangizo cha HUD.

Kukopa Chosankha Voucher Program (Ufumu 8): Phunziro Losankha Nyumba Voucher Program (Kusankha 8) imapanga lendi nyumba za mabanja ochepera olandira — otengamo ndalama amalipira pafupifupi 30% ya ndalama za lendi ndipo woperekayo amakuta zotsalazo.

Nyumba za Public Hoss: Nyumba za Onse zimapereka nyumba za lendi zokhoza kukwera mtengo za maulamuliro a boma a boma ndi kuyang'aniridwa ndi maulamuliro a boma (PH).

Ngati muli woyenerera, chithandizo sichingafike msanga; chifukwa cha kufuna, kuli kofala kuthera kanthaŵi pa mpambo wa kuyembekezera.

Inshuwalansi ya Ulova

Mu 2026, maboma ambiri amapereka mapindu ameneŵa kwa milungu 26, ngakhale kuti maboma ena amakhala ndi nthaŵi yochepa yotsatizana ndi chiŵerengero cha ulova umene ulipo tsopano.

Makiyi a Kuyenerera: [[FLT: 1] Kuti muyenerere, muyenera kutaya ntchito yanu pa zifukwa zimene simungathe kuilamulira. Kuti mupitirize kulandira cheke, muyenera kukhala wokhoza kugwira ntchito ndi kufunafuna ntchito yatsopano. Mu 2026, maboma ambiri amafuna kuti mupereke "Kufunafuna Ntchito" mlungu uliwonse, kusonyeza kuti mwafunsira ntchito kapena kupezeka ku mafunsishoni.

Kulingalira : Nkofunika kukumbukira kuti mapindu ameneŵa ngokhoma. Pamene mulemba mlandu wanu, kaŵirikaŵiri mudzafunsidwa ngati mukufuna kuti boma ndi boma lisamakupindulitseni ndalama zanu za mlungu ndi mlungu. Akatswiri ambiri amavomereza kuchita zimenezi kotero kuti musalipidwe ndi msonkho waukulu chaka chotsatira.

Kugwiritsa Ntchito Zipangizo Zofufuzira

M’malo mofufuza pa pulogalamu iliyonse, mungagwiritse ntchito zipangizo zonse kuti muone ubwino uliwonse umene mungapeze nthawi imodzi.

Boma la boma limapereka chiŵiya chaulere chopezera phindu pa Benefits.gov , kumene mungayankhe mafunso ena ofunika kuti mupeze mpambo woyenerera wa mapindu a boma amene mungakhale oyenerera pa zochitika za moyo. Kuwonjezerapo, mungatenge chilolezo chofunsa mafunso, kuphunzira zambiri ponena za maprogramu, ndi kupeza mapangano ndi chidziŵitso cha kumene mumakhala.

Mfundo 2: Lembani Malemba Ofunika

Mukangozindikira kuti ndi zinthu ziti zimene mungayenerere, chinthu china chofunika kwambiri ndicho kusonkhanitsa zonse zimene muyenera kulemba. Kukonzekera mapepala anu a pepala musanayambe ntchito yofunsira, kungakuthandizeni kwambiri kuti mudziwe bwino zinthu zina ndi kuchepetsa kuchedwa kapena kukana.

Zikalata Zothandiza Kwambiri pa Ntchito Zomwe Zikuchitika

Makampani akugogomezera kwambiri zolembedwa za masiku ano, kuphatikizapo tsatanetsatane wa ndalama zimene amapeza, kukonza zapanyumba, ndi chidziŵitso cha malo okhala. Ngakhale kuti zofunika zapadera zimasiyana ndi pulogalamu, maseŵero ambiri angafunikire kuphatikiza mapepala otsatirawa:

Umboni wa Kudziŵika

  • Layisensi ya woyendetsa kapena khadi la ID laibulitsidwa ndi boma
  • Satifiketi ya kubadwa
  • Chipata chodutsa
  • Khadi la Chitetezo cha Anthu onse a m’banjamo

Zotsatira Zake Zimatsimikiziridwa

Wonjezerani ndalama zapachaka za aliyense m’banja mwanu.

  • Zodumpha zaposachedwapa (monga kwenikweni masiku 30 omalizira)
  • Kubwerera kwa misonkho kuyambira chaka chatha
  • Mafomu W-2 kapena 1099
  • Kusowa ntchito kumapindulitsa mawu
  • Kulankhulana ndi anthu kuti azikhala bwino kumathandiza
  • Kuchirikiza mwana kapena kuchirikiza chikalata cha almony
  • Malipoti a ku banki osonyeza ndalama zimene zasungidwa
  • Mabuku a ntchito yodzigwirira ntchito ngati akugwira ntchito

Kutsimikizira Kolimba

  • Masheya a ndalama za thumba m’dzina lanu
  • Kugwirizana pa za ngongole kapena pa pepala la ngongole
  • Makalata ochokera ku mabungwe a boma
  • Khadi la kulembetsa ku yunivesite

Kulinganiza Banja

Muziganizira za udindo wanu, kuphatikiza pa zimene mnzanuyo wa m’banjamo, ndiponso aliyense amene amadalira ndalama zanu za msonkho.

  • Zikalata zoikira mwana ubwana wake
  • Chikalata cha ukwati kapena lamulo la chisudzulo
  • Mabuku a anthu olembetsa sukulu
  • Mapangano a kulera ngati atheka

Kusamuka (Ngati n’koyenera)

Kusamuka kumachititsa kuti anthu ambiri azikhala omasuka ku mayiko ena, koma osati monga momwe anthu ambiri a ku United States amaonera, anthu okhala ndi zaka 5+ za udindo wawo, othaŵa kwawo, ndi anthu oberedwa ku mayiko ena, alyees, ndiponso anthu amene amaba.

  • Khadi la kanthaŵi kochepa la anthu okhalamo (Kadi la Udzu)
  • Chikalata cha kubadwa kwa munthu
  • Chikalata cha Othaŵa Kwawo kapena cha alyee
  • Zikalata zovomereza ntchito

Kulemba zachipatala (kumene kumapindulitsa kupunduka)

  • Zolemba za zachipatala zosonyeza vuto lanu
  • Mawu a Dokotala ndi Kupima
  • Pali mitundu ya mankhwala amene dokotala walemba
  • Chipatala kapena zolembedwa za chithandizo
  • Ziletso za ntchito zochokera kwa osamalira zaumoyo

Maphunziro Apadera ndi Kulingalira

Maprogramu ena amalola ndalama zimene zingawonjezere ndalama zanu zopindulitsa kapena kukuthandizani kuyenerera pamene muli pafupi ndi malipiro. Mwachitsanzo, achikulire 60 ndi achikulire omwe amene ali ndi ndalama zamankhwala za mwezi ndi mwezi zoposa $55 angachotse ndalama zimenezi kuchokera ku ndalama zawo zolembedwa pa SAP, zomwe zimapangitsa chakudya kukhala chopindulitsa kwambiri mwezi uliwonse. Ngakhale zili choncho, anthu achikulire 16% anagwiritsa ntchito ndalama za mankhwala zimene anagula mu 2019.

Kulinganiza Kambitsirano Kanu

Chongani chikalata chopatulidwa . Chongani zinthu zogwiritsira ntchito. Pangani makope a chinthu chilichonse musanaike pansi, ndi kusunga ndandanda ya zimene mwasonkhanitsa ndi zimene mufuna. Gwiritsani oyang'anira kuchuluka kwa kusungitsa mafaelo amakono. Malinga ndi nduna yokhudza kuyang'anira programu, kusunga chidziŵitso chaumwini chokonzedwa bwino kumatsimikizira kuti kupenda kwa mlingo wa kuŵerengedwa kumamalizidwa bwino ndipo malipiro amapitirizabe popanda kusokoneza.

Mfundo 3: Malizitsani Kugwiritsa Ntchito Njira Yabwino

Mutasonkhanitsa zolemba zanu ndi kutsimikizira, muli wokonzekera kutumiza kufunsira kwanu. Maprogramu ambiri a boma tsopano amapindula ndi njira zosiyanasiyana zofunsira kuti agwirizane ndi zosankha ndi mikhalidwe yosiyanasiyana.

Njira Zogwiritsira Ntchito

Zizindikilo za pa Intaneti

Mwachitsanzo, anthu okhala m’dziko la Florida angagwiritse ntchito maofesi a bungwe loona za chuma lotchedwa Economic Self Sunefic Service Portal.

  • 24/7 kupezeka kwa zinthu ndi mafuta ambiri
  • Kuvomereza mwamsanga kuti ndi wogonjera
  • Kukhoza kuchepetsa kupita patsogolo ndi kubwerera pambuyo pake
  • Nthaŵi zambiri
  • Chikalata cha magetsi chonyamula zinthu zimene zingathe kugwiritsidwa ntchito
  • Kufufuza pa Intaneti

Kupindulira SNAP, gwiritsirani ntchito intaneti kudzera ku SNAP portal ya boma lanu, mwakuchezera Dipatimenti ya Mautumiki a Social Office yakwanu, kapena mwa kuitana mapindu a boma lanu tentha. Mukhoza kupeza pulogalamu ya boma lanu pa fns.usda.gov/snap/state-director.

Pa pulogalamu ya pa Intaneti

Pezani ofesi ya chigawo chanu kuti mufunsire. Ofuna chithandizo angapereke chithandizo ndi mayankho a mafunso. Mapempho a pa person amathandiza kwambiri ngati:

  • Muli ndi zinthu kapena mafunso ovuta kumvetsa
  • Mufunikira thandizo kumvetsetsa kugwiritsira ntchito kwake
  • Simungakwanitse kugwiritsa ntchito Intaneti
  • Mumakonda kulankhulana pamasom'pamaso
  • Mumafunikira thandizo la chinenero kapena mautumiki omasulira mawu

Malonjezo a Makalata

Maprogramu ambiri amalandirabe mafomu a mapepala operekedwa ndi makalata. Njira imeneyi imagwira ntchito bwino ngati mapepala anu onse akonzedwa ndipo atakhala ogwirizana ndi mafomu achizoloŵezi. Onetsetsani:

  • Pangani makope a chirichonse musanatumize makalata
  • Tumizani makalata ovomerezeka ndi lisiti yobwezera kaamba ka chitsimikiziro cha kuperekedwa kwa magazini
  • Phatikizanipo zikalata zonse zofunika
  • Pitirizani kulondola chidziŵitso

Mafoni

Mapulogalamu ena amalola kuti muyambe kapena kumaliza kugwiritsa ntchito foni. Mwachitsanzo, muzigwiritsa ntchito pa sisa.gov kapena wini 1-080-77.1213 kuti mupeze phindu lokhudza chikhalidwe cha anthu.

Kumaliza Kugwiritsa Ntchito Mabuku Anu Molondola

Kulondola kumayamba pamene timaliza kufunsira. Zolakwa kapena kuphonya kungachedwetse, kukana, kapena ngakhale kuimbidwa mlandu wachinyengo. Tsatirani njira zabwino izi:

  • Kuŵerenga malangizo onse mosamalitsa [ musanayambe
  • Kuyankha funso lililonse lofunikira [1] [1] Minda yomayatsa popanda kanthu ingachititse kukana kodzifunira
  • Khalani owona ndi wolondola ponena za ndalama zanu, chuma, ndi kulemba kwapanyumba
  • Gwiritsirani ntchito manambala enieni kuchokera ku zolembedwa zanu mmalo mwa kuyerekezera
  • Fotokozani mikhalidwe yachilendo iliyonse m'mlengalenga woperekedwa
  • Kufufuza koŵiritsa chidziŵitso chonse musanaike
  • Chizindikiro ndi deti [ kumene kumafunikira
  • Sungani kope la chisankho chanu chomalizidwa

Kumvetsa Nthawi

Kulinganiza nthaŵi kumasiyanasiyana kwambiri malinga ndi programu ndi boma. Mwachitsanzo, maseŵero a SNAP amakonzedwa pasanathe masiku 30, ngakhale kuti masiku 7 atha kugwiritsidwa ntchito m’mabanja amene akufunika mwamsanga. Kugwiritsa ntchito nthawi yolakwika kungatenge miyezi ingapo. Kumvetsa nthawi kungakuthandizeni kukonzekera bwino ndi kudziwa nthawi imene mungatsatire.

Kupeŵa Kubera Ena ndi Kubera

Boma silidzakukakamizani kukonza malo a ulova. Ngati malowo afunsa "malipiro owonjezera" kapena "kulipirira," ndi chinyengo. Kugwiritsira ntchito kaamba ka chithandizo cha boma nkwaulere. Chenjerani ndi anthu kapena mabungwe omwe akulipira kaamba ka chithandizo cha kampani.

Machenjera a ndalama zaulere ameneŵa amaphatikizapo anthu okunamizira kuti ndi ogwirizana ndi bungwe la boma. Iwo angapereke chithandizo cha ndalama kapena chithandizo chakupeza phindu. Mukhozanso kukumana ndi chinyengo ngati mugwiritsira ntchito phindu, monga ngati machenjera a Social Security, kumene apandu amakumana ndi anthu olandira ndalama ndi kupempha ndalama kuti apeze ndalama zowabera ndalama kapena kuwonjezera.

Dzitetezereni ndi:[[FL:1]

  • Ndi mwa webusaiti ya boma ya .gov
  • Musabweze ndalama zofunsira
  • Osapaka mawu ogwirizana ndi malemba kapena maemail amene sanawapemphe
  • Kutchula manambala a boma mwachindunji kuti mudziwe ngati mukuwadziwa bwino
  • Musamagawane nambala yanu ya chitetezo cha Mayanjano, akaunti yanu ya kubanki, kapena chidziŵitso chanu chaumwini pokhapokha mutayamba kulankhulana ndi anthu
  • Kukayikira malonjezo amene akuoneka ngati osatheka kuwakwaniritsa

Sitepe 4: Tsatirani ndi Kusunga Mapindu Anu

Kugonjera si komaliza. kupitiriza kutsatira zimene pulogalamu ikufuna n’kofunika kuti mulandire ndiponso kusungitsa mapindu.

Kupenda Mkhalidwe Wanu wa Kugwiritsira Ntchito Njirayo

Mukapereka fomu yanu, khalani otsimikiza kuyang'ana malo ake. Malo ambiri a pa Intaneti amalola kuti mulowemo ndi kuona mmene mukugwiritsira ntchito Intaneti. Muyeneranso kuonetsetsa:

  • Tamvani nambala iliyonse yoperekedwa
  • Pendani makalata anu nthaŵi zonse
  • Yankhani mwamsanga ngati wina wakuuzani kuti mufuna kudziwa zambiri
  • Sungani mbiri ya kulankhulana kulikonse
  • Tsatirani ngati simukumva nthaŵi imene mukuyembekezera

Kupezeka pa Mafunso Ofunika

Pa nthawi imene akufunsa anthu mafunso, munthu wochita kafukufuku pa Intaneti akhoza kufunsa mafunso osiyanasiyana pa Intaneti, pafoni kapena pa vidiyo.

  • Sonyezani chidziŵitso pa kugwiritsiridwa ntchito kwanu
  • Funsani mafunso okuthandizani kumvetsa mmene zinthu zilili pa moyo wanu
  • Fotokozani zofunika za programu ndi mathayo
  • Onaninso zimene mwalemba
  • Yankhani mafunso anu okhudza pulogalamuyi

Konzekerani kuti mukafunse mafunsowa mwa kupendanso zimene mukufuna kulembetsa, kukonzanso zikalata zanu, ndi kulemba mafunso alionse amene muli nawo.

Kupereka Malemba Ena

Ngati pakufunika chidziŵitso chowonjezereka, opindula amadziŵitsidwa pasadakhale ndi kupatsidwa nthaŵi yoyankha. Mapempho ameneŵa angaphatikizepo kutsimikizira mitengo ya ndalama, kukonzanso tsatanetsatane wa nkhani zapanyumba, kuvomereza mwamsanga mapempho ameneŵa kuti mupeŵe kuchedwa kapena kukana.

Kumvetsa Zimene Mumakonda Kapena Kukana

Mudzalandira chidziŵitso cholembedwa cha chigamulo pa ndandanda yanu. Ngati muvomerezedwa, chidziŵitso ichi chidzaphatikizapo:

  • Mukhoza kupindula kwambiri
  • Pamene mapindu adzayamba
  • Mmene mapindu adzaperekedwera
  • Mumakhala ndi udindo nthawi zonse
  • Zofunika kuti munthu alembe chikalata chotsimikizira kuti wamwalira

Ngati simudzalandira pepalali, fotokozani chifukwa chake simukufuna kuvomereza ndi ufulu wanu wochita apilo. Ngati simunapatsidwe, muli ndi ufulu wochita apilo. Malangizo a kupempha amaphatikizidwa ndi chidziŵitso chokana. Funani thandizo: Mabungwe akwanu ndi mautumiki a zaumoyo angathandize angapereke chitsogozo ndi chichirikizo m'dongosolo lonse la kufunsira.

Mmene Zinthu Zimayendera

Mumakhala ndi masiku 30 kapena 90 kuti muwavomere, zikumadalira pa pulogalamu ndi boma. Mukafuna kukopeka, kukonza chilengezo pa masiku 10 okha a kukanako kumatanthauza kuti mupitirizabe kulandira mapindu amene muli nawo mpaka kuthetsedwa kwa wailesi.

Polemba apilo:

  • Muzilemba kalata yopempha kuti mulandire mphotoyo pa nthawi imene mwatsala pang’ono kumaliza ntchitoyo
  • Fotokozani momveka bwino chifukwa chake mumakhulupirira kuti zimene mwasankhazo zinali zolakwika
  • Phatikizanipo zikalata zowonjezereka zimene zimachirikiza nkhani yanu
  • Ngati mungathe kupempha kuti mumve
  • Ganizirani za kufunafuna chithandizo kwa opereka chithandizo ku boma kapena mabungwe a zachuma
  • Muzikonzekera bwino kuti muthe kumva
  • Mukabweretsa zikalata zonse zofunika pa mlandu

Kulandira Mapindu Anu

Ngati avomerezedwa, mapindu amachotsedwa nthaŵi zonse mogwirizana ndi ndandanda ya programu. Njira zofala zoperekera uthenga zimaphatikizapo:

Mapindu Opangika Oloŵetsedwa (EBT) Kadi: PUPA imaikidwa pa khadi la Electronic Besure (EBT) mwezi uliwonse, limene limagwira ntchito monga khadi la debit trakess shorts ndi misika yambiri ya alimi. Maboma ambiri amagwiritsiranso ntchito makhadi EBT kaamba ka mapindu a ndalama za TANF.

Drect Deposit: Mapindu a Social Security, SSI, ndi mapindu a ulova amaikidwa mwachindunji m'maakaunti anu a banki.

Mapilo a Debit Makadi: Maprogramu ena amapindula ndi makhadi olipidwa padebit ngati mulibe akaunti ya banki.

Pepage Seki: Mayiko ena angatulutsenso mapindu mwa kupima mapepala.

Udindo ndi Chikalata Choperekedwabe

Kupindula ndi zinthu zimenezi kumabwera ndi ntchito zimene zikupitirirabe. Mu 2026, anthu amene akufunika kukonza zinthuzo amasintha zinthu kuti adziwe mmene zinthuzo zikuyendera, ndiponso kuti azitha kugwiritsa ntchito bwino njira zothandizira mapulogalamuwo.

Chikalata chisintha mofulumira: Muyenera kusimba kusintha kwa mikhalidwe yanu kumene kungayambukire mlingo wanu kapena phindu, kuphatikizapo:

  • Kusintha kwa ndalama kapena ntchito
  • Kusintha kwa kalembedwe ka banja
  • Kusintha kwa adiresi
  • Kusintha kwa chuma kapena chuma
  • Masinthidwe ena amene analandira

[[FLT :0] Kutsimikizira: chaka chilichonse; masuntswana amasintha chaka chilichonse. Maprogramu ambiri amafunikira kutsimikizira kwa apa ndi apo kutsimikizira kuti n’ngosachedwa. Kupenda kwachikhalidwe mu 2026 kumatsatira njira zolinganizidwira kulinganiza ndi kupezeka. Makampani amadalira pa zolembedwa zomwe zilipo, kupenda kwa pa kanthaŵi, ndipo, ngati kuli kofunika, kupempha chidziŵitso cholondola. Kupenda kochuluka kumachitidwa mwadala pogwiritsa ntchito chidziŵitso cholembedwa kale pa fayiro, kuchepetsa kufunika kwa kupindula.

Kulembanso masiku olembedwa pa kalendala yanu ndi kuyamba kusonkhanitsa mapepala atsopano pasadakhale. Kulephera kulembetsa chikalata chotsimikizira kuti ndi cholondola kungathetse mapindu, kukufunani kuti mutuluke m’mapazi.

Kusunga Mbiri Zolondola

Sungani ndalama zimene mumapeza ndi ndalama zimene mumasunga.

  • Makalata onse ochokera ku mabungwe othandizira
  • Makope a mafomu ofunsira ndi mafomu a chikalata
  • Chikalata chosonyeza kusintha kwa zinthu kochitiridwa lipoti
  • Pindulani ndi mawu ndi zolembedwa za malipiro
  • Mapepala a ndalama zimene anakonza ndi a m’nyumba

Kukulitsa Mapindu Anu: Zotsatirapo Zapita Patsogolo

Mukamvetsa mfundo zofunika kwambiri zothandizira boma, mukhoza kugwiritsa ntchito njira zothandizira inuyo ndi banja lanu.

Kuphatikiza Maprogramu Ambili

Gawo la SSI + SNAP + LIHEAP . Mabanja ambiri amayeneretsedwa kaamba ka maprogramu ambiri opindulitsa panthaŵi imodzi. Kwenikweni, kulandira phindu limodzi kaŵirikaŵiri kumakuchititsani kuyenerera kwa ena. Mwachitsanzo, mabanja ambiri okhala ndi chiŵalo cha SSI kapena TANF ali oyenerera ku SNAP.

Zinthu zimene zimapindulitsa kwambiri ndi izi:

  • SNAP + Medicaid + LIHEAP (thandizo lopanda mphamvu)
  • SSI + SNAP + Medicare
  • TANF + SNAP + Chithandizo cha Mwana
  • Ulova + Medicaid + SNAP
  • SSDI + Medicare + SNAP

Kufikira Boma ndi Programu Za kumaloko

Kupyola maprogramu a boma, maboma ambiri ndi madera amapereka chithandizo chowonjezereka. Malipiro a ndalama amachokera ku Federal Poverty Level (FPL), koma boma lililonse lingakhazikitse mageti ake. Mayiko ena amagwiritsa ntchito 130% ya FPL potsegulira koyamba ndi 100% pa ndalama zimene mumalandira pa khoka. Onetsetsani malamulo a boma lanu, chifukwa kusiyanako kungatanthauze madola mazana ambiri pa mapindu a mwezi ndi mwezi.

Maprogramu a boma ndi a kumaloko angaphatikizepo:

  • Maprogramu othandizira mphamvu zamagetsi
  • Anthu achikulire amalandira chithandizo cha misonkho
  • Zoyendera zaulere kapena zotsika mtengo
  • Kusamalira ana
  • Ndalama zothandizira anthu ovutika
  • Maprogramu a zanyengo
  • Mafoni ndi Intaneti zaulere

Mapindu a Maphunziro

Ndalama zaulere za koleji zimene sizifunikira kulipiridwa. Zilipo kwa ophunzira okhala ndi kusoŵa kwa ndalama. Kufikira $7,395 / chaka mu 2026. Malizitsani Phunzirani Mafuno a Federal Students Aid (FAFSA). FaFaSSA ndiyo imachititsa kuti Pell Grants akwanetse ndi chithandizo china chilichonse cha ndalama cha chaka cha sukulu chotsatira.

Maprogramu Opititsa Patsogolo Ntchito

Kuphunzitsa ntchito kwaulere, kupereka malangizo a ntchito, ndi kuchirikiza kupyolera mwa malo anu a ku America. Pali anthu achikulire amene ali paulova, olembedwa ntchito yosakwanira, kapena ofuna ntchito yabwinopo. Maprogramu ameneŵa angakuthandizeni kukulitsa maluso atsopano, kupeza zikalata, ndi kuwonjezera kuthekera kwanu kwa kupeza zinthu zofunikira posachedwa.

Kupeza Thandizo kwa Akatswiri

Mabungwe ambiri amathandiza kwaulere popempha kuti apereke thandizo kwa anthu amene akufunika thandizo ndiponso poyenda panyanja:

  • Malo Ofunika Kukakalamba (Aukalamba)
  • Magulu opereka chithandizo chalamulo
  • Mabungwe a zankhondo a m’chitaganya
  • Mabungwe owononga ulamuliro
  • Mabungwe opereka chithandizo othaŵa kwawo
  • Mabungwe autumiki
  • Magulu ozikidwa pa chikhulupiriro

Mabungwe ameneŵa angakuthandizeni kumvetsa njira zimene mungasankhe, mafomu anu onse, kusonkhanitsa zikalata zanu, ndi kukana kupempha kuti muwaone popanda mtengo.

Kusamalira Mwapadera Anthu Ena

Achikulire ndi Achikulire

Pali mapindu ambiri otsimikizirika kwa okalamba oposa 65 ndi chithandizo cha ndalama kwa okalamba chimene chingachepetse kwambiri ndalama zowonongedwa. kukonzanso nyumba, kuphimba nsapato za shuga kwa Medicas, ndi Medicare Savings Programs ndi zina za mapindu onyalanyazidwa koposa kwa achikulire.

Akulu ayenera kudziŵa za kusintha kwaposachedwapa kokhudza mapindu awo. Lamulo latsopano lasintha kwambiri malo a chithandizo cha chakudya ku United States, ndipo zotsatira zake zazikulu zingakhale kwa anthu okalamba osakhoza kuzoloŵera: achikulire. Lamulo linachepetsa ndalama za boma za SNAP ndi $186 biliyoni mpaka 2034, malinga ndi Congregational Baccal Office .

Anthu ena a zaka 55 mpaka 64 amene ali ndi pakati, amene amakhala ndi mwana wazaka 13 kapena wamng’ono, kapena amene ali ndi mavuto a kuthupi kapena a maganizo.

Anthu Olumala

Anthu achikulire amene ali ndi vutoli akhoza kupatsidwa ndalama zothandizira anthu amene ali ndi vutoli, kaya angoyamba kumene kulumala kapena ali ndi vuto linalake, komanso anthu amene ali ndi vutoli akhoza kulandira ndalama zambiri.

Anthu opunduka ayenera kufufuza ponse paŵiri SSI ndi SSDI, popeza kuti njira za kuyenerera zimasiyana.

Mabanja Okhala ndi Ana

CHIP imapereka ndalama zochepa zoperekera chithandizo cha thanzi kwa ana m’mabanja amene amapeza ndalama zambiri kuti alandire Medicaid koma satha kugula inshuwalansi yaumwini. Mabanja ayeneranso kufufuza:

  • Phunziro la Zakudya Zabwino la wic (Akazi, Ana, ndi Ana)
  • Ana amasamalira ntchito yothandiza anthu amene akudwala
  • Kuyamba Kutsogolera ndi Kuyamba Kuyamba
  • Kudya chakudya cha kusukulu chaulere ndi chamtengo wapatali
  • Msonkho wa Ana
  • Msonkho wa Msonkho Wolandira Msonkho: EITC ndi ngongole yokhoza kubwezeredwa chifukwa cha anthu ogwira ntchito ndi mabanja otsika.

Osamuka ndi Osaphunzira

Mayiko ena awonjezera mapindu ku magulu ena ogwiritsira ntchito ndalama za boma. Komabe, kusintha kwaposachedwapa kwa kachitidwe ka zaumoyo kwakhudza kuyenerera kwa anthu ena. Kugwira ntchito Jan. 1, 2026, anthu achikulire osalembedwa sadzakhalanso oyenerera kufunsira kaamba ka ukulu wonse wa Medi-Cal, mlingo wochepa. Lined Comme Medi-Cal imaperekera malongosoledwe a zathanzi, ofunika kwambiri pa zathanzi, makamaka mautumiki amwadzidzidzi ndi chisamaliro chapakati, kwa anthu amene amakwaniritsa zofunika zambiri za Medi-Calicy.

Alendo oyenerera sayenera kuopa kufunsira mapindu amene angawayenerere. Kugwiritsa ntchito mapindu a anthu sikungakhudze anthu ambiri kusamukira kudziko, ngakhale kuti kuli kwanzeru kufunsa loya woloŵa m'dziko ngati muli ndi nkhaŵa.

Anthu Opanda Nyumba

Kukwaniritsa ntchito yofunikira popanda nyumba yabwino, maadiresi, kapena nyumba zolandirira makalata, sikumawalola kuyenerera mapindu.

Komabe, maprogramu ambiri ali ndi makonzedwe apadera kaamba ka anthu opanda kokhala. Mukhoza kugwiritsira ntchito keyala ya malo obisala, kupereka katundu wa onse pa positi ofesi, kapena keyala ya gulu lodalirika. Ogwira ntchito ku malo ogona ndi antchito apanyumba kaŵirikaŵiri angathandize kufunsira ndi kupereka zikalata zofunikira.

Kumvetsetsa Lamulo Laposachedwapa Kusintha mu 2026

Mu 2026, zitsogozo zambiri za kukhala ndi moyo m’dziko lonse la boma zopindulitsa zakonzedwanso kuti zisonyeze kupenda kwa boma, kusintha kwa chiŵerengero cha anthu, ndi kusintha kwa mikhalidwe ya zachuma. Kusintha kumeneku sikumayambitsa mapindu atsopano, koma kuwongolera mmene kulimba kumapendedwera, kutsimikiziridwa, ndi kusungidwa.

Mu 2026, malamulo okonzedwa bwino amathandiza anthu olandira kumvetsetsa kuwala ndi kusasinthasintha, ndipo zimenezi zimathandizanso mabungwe kuti azipereka zinthu mwaluso ndiponso kuti asamadalire njira zothandizira anthu.

Masinthidwe aakulu ofunikira kuwazindikira amaphatikizapo:

  • Malo Otseguka a Umphaŵi
  • Njira zotsimikizira kuti zinthu zayamba kuyenda bwino
  • Anthu ena amene amalandira SNAP amafuna ntchito yowonjezereka
  • M’mayiko ena, anthu ayamba kugwiritsa ntchito njira imeneyi
  • Kubwezeretsedwa kwa malamulo ena m’maprogramu ena

Kuwonjezeka kumeneku kungachititse kuti anthu ambiri adzakhale ndi ndalama zambiri mu 2026 poyerekezera ndi zaka za m’mbuyomo, pamene denga la ndalama lakwera.

Zolakwa Zofala Zoyenera Kupeŵa

Kudziwa zinthu zimene zingakulepheretseni kuchita zinthu mwanzeru:

Kulingalira Kuti Simuyenera

Anthu ambiri amaganiza kuti amapeza ndalama zambiri kapena sakwaniritsa ziyeneretso zina popanda kupenda. Kumbukirani kuti maprogramu ambiri amakhazikitsa kuthekera koposa 100% a FPL. Mwachitsanzo, ngongole za msonkho za ACA zimapezeka kufika pa 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. Nthaŵi zonse fufuzani zofunika kuti mukhale ndi moyo musanadzilamulire nokha.

Kuzengereza Kugwiritsa Ntchito Njirayo

Pamene mwatsimikiza kuti muyenerera, muyenera kulemba zimene mukulingalira mwamsanga monga momwe kungathekere. Mapindu kaŵirikaŵiri samagwiritsira ntchito deti lanu la kufunsira, chotero kuchedwa kumatanthauza kutaya chithandizo chimene mukanalandira.

Kupereka Chidziŵitso Chosakwanira Kapena Chosalondola

Maseŵero osakwanira ali chochititsa chachikulu cha kuchedwetsa ndi kukana. Patulani nthaŵi kusonkhanitsa zonse zofunikira ndi kupereka chidziŵitso cholongosoka, chokwanira. Ngati simukudziŵa kanthu kena, funsani kaamba ka kumasulira mmalo mwa kupeka.

Kulephera Kusimba za Kusintha

Ngati simukuulula kusintha kwa zinthu zimene mukukumana nazo, mukhoza kulipira ndalama zambiri, kapena ngakhale kuimbidwa mlandu wachinyengo.

Kusoŵeka kwa Zikalata Zoti Mapeto Akedwe

Kuphonya masiku a kulembedwanso kungathetse mapindu anu ndi kukufunikiritsani kuyamba ntchito yofunsira kuchokera ku kukwapu. Senzekani zikumbutso pasadakhale za masiku oikidwiratu ndi kuyamba kusonkhanitsa zikalata mwamsanga.

Safuna Kukana

Ngati mukhulupirira kuti munakanidwa molakwa, musaleke / kugwiritsa ntchito chosankha. Kukana kochuluka kumachotsedwa pa apilo, makamaka pamene ofunsira apereka zikalata zowonjezereka kapena kulongosola bwino.

Kunyalanyaza Maprogramu Ena

Maprogramu osonyezedwa pamwambapa ali ofala koposa kwa anthu amene ali mumkhalidwe wanu, koma pali maprogramu ambiri a boma, boma, ndi a kumaloko amene mungayenerere. Njira yabwino koposa yopezera zonse ndiyo kumaliza kupima kochuluka. Musaime mutafunsira kaamba ka pulogalamu imodzi kapena iŵiri.

Chuma ndi Pamene Mungapeze Thandizo

Simungagwiritse ntchito njira yokuthandizani nokha. Pali zinthu zambiri zimene zingakuthandizeni kudziwa njira zimene mungagwiritse ntchito komanso mapulogalamu onse amene mungagwiritse ntchito.

Zinthu Zofunika Kwambiri M’boma

  • Benefit. gov [FT:1] - Kuyamba ndi mapindu opimidwa pa mapindu.gov lerolino, ndi kufunsira kaamba ka chirichonse chimene muyeneretsedwa kaamba ka.
  • USA.gov [FLT :1] – Pezani chidziŵitso cha maprogramu a boma amene angakuthandizeni kulipirira chakudya, nyumba, chisamaliro cha zaumoyo, ndi zinthu zina zofunika. Phunzirani za Social Security ndi macheke a boma.
  • Sacial Security Administration – ya SSI, SSDI, ndi mapindu a kupuma pantchito
  • Kusamalira.gov [1] - - Za msika wa inshuwalansi ndi Medicaid
  • State replacess [[FLT :1] - State iri ndi mapulogalamu akeake a chigawo

Mabungwe a Anthu

  • [[FLT ] – Dial 211 kuchokera ku foni iliyonse kuti agwirizane ndi zipangizo zakumaloko ndi chithandizo
  • [[NT.0] Aidsocieties – chithandizo chaulere cha lamulo kwa anthu olandira ochepa
  • Area Appondensis on Ukalamba – Chichirikizo kaamba ka mapindu a okalamba
  • [[MLT:0] Kachitidwe ka kampani – mabungwe akomweko akupereka chithandizo ndi kugawana
  • Banks Chakudya – Kaŵirikaŵiri amakhala ndi alangizi pa antchito
  • Malaibulale a Thupi – ambiri amapereka makompyuta aulere ndi chithandizo mwa kugwiritsa ntchito mapulogalamu a pa Intaneti

Kuphunzitsa ndi Kuchirikiza Mabungwe

  • Bungwe Loona za Ukalamba
  • Kulephera kukwaniritsa zoyenera m’boma lanu
  • Malo a Lamulo la Dziko Lonse Osamukasamuka (a kumaiko ena)
  • Mabungwe autumiki
  • Kugwirizana kwa Dziko Lonse pa Matenda a Maganizo (NAMI)

Kuchitapo Kanthu: Zotsatira Zanu

Popeza kuti tsopano mukudziwa bwino mmene boma limapindulira ndi mmene mungapezere zinthu, ndi nthawi yoti muchitepo kanthu. Ngati mukulimbana, kugwiritsa ntchito mapindu amene mukuyenerera sikuli chizindikiro cha kufooka ayi.

Tayesani kuchita izi:

  1. Mapindu onse opimidwa akugwiritsira ntchito Mapindu.gov kapena chiŵiya china chopimira chochuluka kudziŵikitsa maprogramu onse amene mungayenerere
  2. Kusintha maprogramu anu ozikidwa pa zosoŵa zanu zofunika kwambiri ndi maprogramu amene mungathe kuyenerera
  3. . . . . . . kujambula zolemba zanu [[[FLT:] mwadongosolo, kupanga zomangira zonse zofunika
  4. Kugwiritsa ntchito njira imene imagwira ntchito bwino kwa inu(online, maso, ndi makalata, kapena pafoni
  5. Atsatire mokangalika [ pa pulogalamu yanu, kuyankha mwamsanga pempho lililonse la chidziŵitso chowonjezereka
  6. Phazikira madeti ofunika kwambiri pa kalendala yanu, kuphatikizapo masiku otsimikizira ndi zofunika zopereka lipoti
  7. Funani chithandizo pamene chifunikira kuchokera ku mabungwe a chitaganya, chithandizo chalamulo, kapena magulu a arabia
  8. Khalanibe odziŵitsidwa [ ponena za kusintha ku maprogramu ndi zofunika zoyenerera

Mapeto ake: Kudzipatsa Mphamvu Mwachidziŵitso

Kupereka mapindu a boma sikuyenera kukhala njira yothetsa nzeru kapena yosokoneza. Mwa chidziŵitso cholondola, kukonzekera, ndi kulimbikira, mungakhoze kupeza maprogramu olinganizidwira kuchirikiza inu ndi banja lanu m’nthaŵi zovuta.

Kwa olandira, malamulo ozindikira angapeŵe nkhani za malipiro osayembekezereka. Kudziŵa pamene kupenda kumachitika, chidziŵitso chimene chingapemphedwe, ndi mmene kuwona kwa kuyenera kumatheketsa anthu kulabadira mwamsanga ndi kukhala odziŵitsidwa.

Kumbukirani kuti maprogramu ameneŵa alipo pa chifukwa china ndichakuti, kuti ateteze anthu ndi mabanja amene akuvutika ndi ndalama. Kaya mufunikira chithandizo cha zaumoyo, chakudya, chithandizo cha magetsi, kapena chithandizo china, kaŵirikaŵiri kukondwa kwanu kumayambira pa mmene ndalama zanu zimafananira ndi malangizo ameneŵa. Musasiye ndalama pathebulo.

Mwa kutsatira masitepe osonyezedwa m'nkhaniyi , kusonkhanitsa mapepala ofunika, kumaliza mafomu molondola, ndi kupitirizabe kupindula mwa kugonjera [1] Mukhoza kugwiritsa ntchito bwino njira ndi kupeza chithandizo chimene mukufuna. Musazengereze kufunafuna thandizo ku mabungwe ambiri ndi zinthu zimene zilipo kuti zikuthandizeni panjira.

Chitani zimenezi choyamba lerolino. Chongani kuti mukhale ndi mwayi, sonkhanitsani zikalata zanu, ndi kutumiza zitsanzo zanu. Mapindu amene mumalandira angathandize kwambiri moyo wanu ndi moyo wa ziŵalo za banja lanu. Mwalandira ufulu wa maprogramu ameneŵa mwa kutenga nawo mbali m'chitaganya chathu . Tsopano ndi nthaŵi ya kufuna chichirikizo chimene chilipo kwa inu.

Ngati mukufuna kudziŵa zambiri ndi kuyamba kupindula poyeza, chezerani Benifit. gov kapena USA.gov/benefit lerolino].