Table of Contents

Kuzindikira malo a mautumiki a zachikhalidwe a boma kungakhale kosintha kwa anthu ndi mabanja omwe akuyang'anizana ndi mavuto a zachuma. Ndi mlingo wa 2026 wa umphaŵi wa boma unapangidwa pa $15,960 pachaka kwa munthu mmodzi ndi $33,000 pachaka kwa banja la anthu anayi, zitsogozo zokonzedwa zimenezi zimagamula kuti kuthekera kwa Medicaid, SNAP, ACAP, ndalama zothandizira anthu a m'misika, CHAPA, ndi a boma ena ambiri amathandizira. Ngakhale kuti pali ndalama zimenezi, anthu mamiliyoni a ku America salandira mapindu amene amayenerera — chifukwa chakuti sadziŵa mmene angagwirizanitsirire, kapena kulephera kupambana. Mtsogoleri wodziŵa bwinoyo adzakuthandizani kuyendetsa mautumiki a kakhalidwe kadziko ndi ntchito za boma.

Kumvetsetsa Maprogramu a Thandizo a Boma

Maprogramu a chithandizo cha boma amaimira chitetezo chachikulu kwa anthu mamiliyoni ambiri a ku America. Maprogramu ameneŵa amathandiza kupereka zofunika zazikulu monga chakudya, pogona, maphunziro, ndi chisamaliro chaumoyo kwa anthu a ku United States kudzera m'maphunziro apamwamba ndi a sekondale, ndalama zothandizira anthu ovutika m’maphunziro, ulova ndi inshuwalansi yolemala, ndalama zothandizira anthu osoŵa pokhala, ndalama zothandizira anthu osoŵa pokhala, mapindu a zandalama, ndi mapulogalamu a inshuwalansi. Maprogramu a mapulogalamuwo amakonzedwa kuchirikiza anthu ovutika m'nthaŵi ya mavuto a zachuma ndi kuthandiza mabanja kupeza mtendere ndi kusoŵa ndalama.

Maprogramu ambiri a chithandizo cha boma ndi a boma alipo ochirikiza anthu osoŵa thandizo ku United States, kupangitsa moyo kukhala wotheka kwambiri panthaŵi ya mavuto a zachuma. Maprogramu ameneŵa amaphatikizapo magulu osiyanasiyana monga kusamala zaumoyo, chakudya, nyumba, kuchirikiza ndalama, maphunziro, ndi zinthu zina zothandizira. Programu iliyonse ili ndi zofunika pa moyo malinga ndi ndalama, kukula kwa banja, kupunduka, ndi unzika.

Chiyeso cha Umphaŵi ndi Kuyenerera kwa Programu

Umphaŵi wa boma ndi njira yopezera ndalama yosinthira pachaka ndi HHS imene imagwira ntchito monga maziko a kulinganiza kufupi ndi maprogramu ambiri othandiza. Ngati ndalama zimene mumapeza m’nyumba zikhoza kuchepa kapena kutsika ndi maperesenti ena a ndalama zimenezi, mungayenerere kugula ndalama zotsika kapena mapindu aulere. Maprogramu osiyanasiyana amagwiritsira ntchito magawo osiyanasiyana a FPL kugamula kuti apeze malo oyenerera, kuyambira 100% mpaka 400% kudalira pa programu.

Ziŵerengero za FPL nzofanana m’maiko 48 osuntha, D.C., ndi Alaska ndi Hawaii ali ndi zitsogozo zapamwamba. Komabe, boma lirilonse lingakhazikitse mipata yake yosasinthika pa maperesenti osiyanasiyana a FPL, kutanthauza malire enieni a ndalama kaamba ka programu yakutiyakuti angasiyane mokulira ndi boma.

Maprogramu a Zaumoyo

Medicaid: Chisamaliro cha Thanzi Chothandiza Anthu Otsika

Mdicaid ndi programu ya zaumoyo kwa anthu ena ndi mabanja omwe ali ndi ndalama zochepa . Ndi programu yoyendera pamodzi imene imayendetsedwa ndi maboma a boma ndi a boma, ndipo imayang'aniridwa ndi maboma. Monga gwero limodzi lalikulu la makampani a zaumoyo ku United States, Medicaid amachita mbali yofunika kwambiri kutsimikizira kuti anthu ovutika apeza chithandizo cha mankhwala.

Anthu opindula ndi Medicaid ayenera kukhala nzika za ku United States kapena anthu ena oyenerera, monga anthu ololedwa kukhala ndi moyo. Kuwonjezera apo, magulu ena opeza ndalama zoyenerera amachepa chifukwa cha msinkhu wawo, kapena chifukwa cha kutenga mimba. M’mayiko onse, Medicaid amasamalira thanzi la anthu ena ndi mabanja, kuphatikizapo ana, makolo, anthu amene ali ndi pakati, okalamba amene ali ndi ndalama, ndiponso anthu olumala.

Zofunika Zosagonja

Kuyenerera kwa Medicaid kumasiyanasiyana m'boma, koma pali zofunika zofala m'maiko onse. Opindula ndi Medicaid ayenera kukhala nzika za boma limene akulandira Medicaid . Lamulo la Federal limafuna kuti magulu ena a anthu. Mabanja otsika olandira, akazi ndi ana oyenerera, ndi anthu olandira Security Income (SS) ali zitsanzo za magulu oyenerera a anthu.

M’mawu akuti mwawonjezera ndalama za Medicaid, mungayenerere malinga ndi ndalama zanu zokha. Ngati ndalama zapanyumba zanu zili pansi pa 133% ya mlingo wa umphaŵi wa boma (FPL), inu mumayenerera. (Chifukwa cha mmene zimenezi zaŵerengera, imakhala 138% ya mlingo wa umphaŵi wa boma.) Komabe, Khoti Lapamwamba la United States linagamula kuti kuwonjezereka kwa Medicaid kuli kwaufulu ndi maulamuliro, chotero maiko ena samafutukula maprogramu awo a Médicaid.

Njira Zapadera za M’gulu la Azedikayi

Maboma ali ndi njira yokhazikitsa "programu yofunikira kwa mankhwala" kwa anthu amene ali ndi zofunika za thanzi zimene ndalama zawo zili zapamwamba kwambiri kwakuti mwina sangayenerere ku Medicaid pansi pa magulu ena osadziŵa bwino. Anthu osoŵa zamankhwala angayenererebe ndi "kuchepetsa" ndalama zimene boma limapereka kuposa malipiro osoŵa a zamankhwala. Anthu ena amawononga ndalama mwa kugula mankhwala ndi kukonza zinthu zimene alibe inshuwalansi ya zaumoyo. Ngati ndalama zimene munthu wachita kudwala zikhoza kupitirira kusiyana kwa ndalama za munthu ndi ndalama zofunikira za boma, munthuyo angayenetsere ndalama za Medid.

Ana a Inshuwalansi ya Zaumoyo (CHIP)

Chigawo cha Ana cha Health Inshuwalansi Program (CHIP) ndi programu yoperekedwa ndi Dipatimenti ya Zaumoyo ndi Mautumiki a Anthu ya United States imene imapereka ndalama zofanana ndi zimene zingathandize ku makampani a inshuwalansi ya zaumoyo kwa mabanja okhala ndi ana. Programuyi inapangidwa kuphikira ana osavala m’mabanja okhala ndi ndalama zocheperapo koma zokulira kwambiri kwakuti sangayenerere ku Medicaid. Programme imeneyi imadzaza mpata waukulu kwa mabanja ogwira ntchito amene amapeza ndalama zambiri zoyenerera Medicaid koma satha kugula inshuwalansi ya zaumoyo.

Ngati ndalama zanu nzambiri kwambiri moti Medicaid sangakhale ndi mwana wanu angayenererebe ku pulogalamu ya Ana ya Health Inshuwalansi (CHIP). Zikuphatikizapo kusamalira ana ongolandira ndi a mano ndi achinyamata a zaka 19.

Medicare

Medicare ndi programu ya inshuwalansi ya zaumoyo ya boma makamaka kwa anthu a zaka 65 ndi kuposapo, ngakhale kuti imakhudzanso achichepere ena okhala ndi kupunduka ndi awo amene ali ndi matenda a End-Stal Renal. Mosiyana ndi Medicaid, Medicare siimadalira pa ndalama zimene amapeza koma pausinkhu kapena kupunduka. Pambuyo pa miyezi 24 ya kulandira SSDI, mumakhala woyenerera kukambitsirana za thanzi la Medicale.

Maprogramu a Thandizo la Zakudya

Programu ya Chithandizo cha Zakudya Zowonjezera (SNAP)

Ku United States, chithandizo cha ndalama zogulira chakudya kwa anthu otsika ndi olephera kupezedwa chiperekedwa kudzera mu Special Nutrition Application Program (SNAP), yomwe kale inkadziwika kuti Food Stamp Program . Programme ya boma imeneyi imayendetsedwa ndi Food and Nutrition Service ya U.S. Department of Agriculture . SNAP ndi imodzi ya maprogramu a chithandizo cha boma ogwiritsidwa ntchito kwambiri, kuthandiza mamiliyoni a mabanja kugula chakudya chomanga thupi.

PALIFUNDO za SNAP zoperekedwa kupyolera mwa khadi la Electronic Bees trand (EBT) limene limagwira ntchito monga khadi lotsekereza pa ogulitsa ololedwa. Mapindu a banja olandira amadalira pa ukulu wa nyumba, ndalama, ndi zokhoza kuperekedwa. Mabanja okhoza kugwiritsa ntchito SNAP kugula zakudya kuphatikizapo zipatso, ndiwo zamasamba, nyama, mkaka, mkate, dzinthu, ndi mbewu kuti akulitse chakudya.

KUSAWONONGEKA

SNAP imakhala ndi malire a ndalama zimene amapeza ndi ndalama zimene anthu amapeza, zomwe n’zogwirizana ndi mlingo wa umphaŵi wa boma. Mabanja ambiri ayenera kukwaniritsa ndalama zonse ziŵiri (pambuyo pa ndalama zokwezedwa) ndi ndalama za khoka (pambuyo pa ndalama). Nyumba za okalamba kapena ziwalo zopunduka zimafunikira kokha kukwaniritsa ndalama zimene amapeza. Kwa SNAP, Social Security imaŵerengedwa monga ndalama zimene amapeza koma ndalama zina zingagwiritsidwe ntchito.

Programu Yapadera ya Zakudya za Akazi, Makanda, ndi Ana (Wic)

pulogalamu ya WiC imapereka ndalama ku maboma kaamba ka zakudya zowonjezera, ma adokotala a zaumoyo, ndi maphunziro a chakudya chamagulu odyetsa kwa akazi oyembekezera ochepera obadwa, kuyamwitsa akazi oyamwitsa, osayamwitsa akazi obereka, ndi makanda ndi ana ofikira zaka zisanu omwe apezedwa kukhala okhoza kudya bwino. WIC imapereka chakudya chenicheni chopatsa thanzi ndi chakudya chowonjezera, chidziŵitso cha kudya bwino, ndi opereka chithandizo ku thanzi ndi mautumiki ena a anthu.

Programu Zina Zothandiza Chakudya

Child and Adult Care Food Program (CACFP) ndi mtundu wa chithandizo cha boma la United States choperekedwa ndi Dipatimenti ya Zaulimi ku United States kukhazikitsa kuti apereke chakudya cha tsiku ndi tsiku kwa ana oyerekezeredwa 3.2 miliyoni ndi achikulire ndi 112,000 okalamba kapena achikulire amaganizo kapena opunduka m'thupi m'malo a tsiku la kusamala. Maprogramu ena amaphatikizapo National School Lunch Program, School Creast program, ndi Seoror Factors's Markettion Program.

Programu za Thandizo la Kunyumba

Ntchito Yosankha Nyumba (Chiphunzitso 8)

Pangano la Nyumba ndi Chitukuko cha 1974 linapanga Chigawo 8 cha nyumba, malipiro a lendi kwa eni nyumba opezeka paokha. Nyumba Commotion Voucher Program (Chikondi 8) imapanga lendi kwa mabanja olandira ndalama zochepa — otengamo ndalama zokwana 30 peresenti ya lendi ndipo woperekayo amalipira otsalawo.

Chigawo 8 cha programu yaperekedwa ndi maulamuliro a boma la Public Homes (PHA) ndipo amathandiza mabanja olandira ndalama zochepa, okalamba, ndi anthu olumala amafunikira nyumba zabwino, zotetezereka, ndi zaukhondo m'misika yaumwini. Otengamo mbali ali aufulu kusankha nyumba iliyonse imene imagwirizana ndi zofunika za programu ndipo samangothandiza ntchito zapanyumba zaing’ono.

Nyumba za Onse

Nyumba za boma zimapereka nyumba za lendi zokwera mtengo za makampani a boma ndi zoyang'aniridwa ndi maulamuliro a boma akwawo (PHA). Nyumba za anthu onse zinakhazikitsidwa kuti zipereke nyumba za lendi zoyenerera ndi zotetezeka kwa mabanja opeza ndalama zochepa, okalamba, ndi anthu opunduka. Nyumba za anthu onse zimabwera m'mitundu yonse ndi mitundu, kuchokera ku nyumba za banja limodzi zokhala ndi nyumba zapamwamba kwa mabanja okalamba.

Programu Zina za Nyumba

Boma la boma limasunga maprogramu angapo othandiza nyumba kupyolera mwa HUD. Project-Based Renline Implation , Nyumba ya Okalamba (Kupunduka 202), Nyumba za Anthu Opunduka (Kupunduka 811), ndi maprogramu osiyanasiyana a nyumba za eni nyumba. Programu iriyonse iri ndi ziyeneretso zapadera ndi njira zogwiritsira ntchito.

Maprogramu Othandiza Olandira Malipiro

Kupeza Chisungiko Chowonjezereka (SSI)

SSI amalipira ndalama mwezi uliwonse kwa achikulire ndi ana olumala kapena akhungu amene ali ndi ndalama zochepa ndi chuma chochepa, ndiponso achikulire 65 ndi achikulire omwe alibe zilema zimene zimakwaniritsa zofunika za ndalama. SSI imaperekedwa ndi bungwe la Social Security Administration (SA).

Mtengo wa SSI wa SSI mu 2026 uli $967 pamwezi kwa munthu mmodzi ndi okwatirana aŵiri. Mayiko ena amawonjezera ndalama zimenezi ndi ndalama zowonjezereka za boma. SSI imapatsa chithandizo cha ndalama zofunikira kwa ena a ziŵalo za chitaganya zokhala pangozi kwambiri, kuwathandiza kukwaniritsa zosoŵa zazikulu za chakudya, zovala, ndi pogona.

Inshuwalansi ya Chitetezo cha Anthu (SDI)

Mosiyana ndi SSI, SSDI yazikidwa pa mbiri yanu ya ntchito ndi misonkho ya Social Security imene munalipira. Kuti muyenere, muyenera kukhala ndi ulema woyenerera umene umalepheretsa ntchito yochuluka ndipo wapeza ngongole zokwanira za ntchito mwa ntchito. Ndalama ya avareji ya SSDI mu 2026 ndi pafupifupi $400 pa mwezi, ngakhale kuti ndalama zochokera ku mbiri yanu ya malipiro zimasiyana.

SSDI imapereka mapindu kwa anthu amene sangathe kugwira ntchito chifukwa cha matenda amene amayembekezeredwa kukhala chaka chimodzi kapena imfa. Programu imeneyi ikufuna kuti ofunsira ntchito agwire ntchito yochitidwa ndi Social Security ndipo ali ndi matenda amene amayenererana ndi mafotokozedwe a Social Security a chilema.

Thandizo Lokanthaŵi la Mabanja Osoŵa (TANF)

TANF imathandiza mabanja a ana kwakanthawi pamene makolo kapena achibale ena atha kusamalira banja lawo. Programu imeneyi imalimbikitsa ntchito, udindo, ndi kukhutira ndi ntchito. Nthawi zambiri anthu amene amalandira amafunika kuchita nawo ntchito monga kuphunzitsidwa ntchito kapena ntchito.

Kupindula ndi ndalama zambiri mosiyanasiyana malinga ndi boma — kuyambira pa $200 / mwezi m’maiko ena kufikira pa $900 / mwezi wina wa banja la anthu atatu. ATANF ndi programu yopereka chilolezo, kutanthauza kuti boma limapereka ndalama zoikidwiratu ku maiko, zimene kenaka zimalinganiza ndi kugwiritsira ntchito maprogramu awo m’zitsogozo za boma.

Inshuwalansi ya Ulova

Inshuwalansi ya ulova imapereka chichirikizo cha kanthaŵi kwa antchito amene ataya ntchito zawo popanda cholakwa chawo ndipo akufunafuna ntchito yatsopano. Programuyi ndi kugwirizana kwa boma, limodzi ndi boma lililonse likumapereka programu yake m'zitsogozo za boma. Mapindu kaŵirikaŵiri amaloŵa mmalo gawo la malipiro apapitapo kwa nyengo ya nthaŵi yochepa, kaŵirikaŵiri kufikira milungu 26, ngakhale kuti imeneyi ingafutukulidwe mkati mwa nyengo za ulova wokulira.

Kuti ayenerere mapindu a ulova, antchito ayenera kufikitsa ziyeneretso za boma kaamba ka malipiro opezedwa kapena nthaŵi yogwiridwa ntchito mkati mwa nyengo yokhazikitsidwa ya nthaŵi, yodziŵika monga ‘ nyengo yotsika. ’ Iwo ayeneranso kukhala otsimikiza kukhala paulova popanda cholakwa chawo, kukhala okhoza ndi opezeka kugwira ntchito, ndi kufunafuna ntchito mokangalika.

Kupereŵera kwa Mphamvu ndi Thandizo

Ntchito Yothandiza Magetsi a Panyumba (LIHEAP)

LIHEAP ndi Weathering Application Program imathandiza kukonza magetsi ndi nyumba. LIHEAP ndi pulogalamu ya boma yothandiza mabanja kupeza mphamvu zochepa ndi ndalama zawo, kuthandizira kutenthetsa ndi kuziziritsa, kuloŵererapo pa zamagetsi, ndi kukonzanso magetsi ndi kukonza nyumba.

LIHEAP ingathandize mabanja oyenerera kulipira zotenthetsa kapena kuziziritsa nyumba zawo, ndipo nthaŵi zina, ingathandize pa mikhalidwe ya mavuto a magetsi. Programuyo imachitidwa ndi maboma, magawo, ndi mafuko, amene amakhazikitsa zofunika zake za kukhala zaufulu m’zitsogozo za boma. Choyamba amaperekedwa kwa mabanja okhala ndi ndalama zotsika ndi mtengo wapamwamba wa magetsi kapena zofunikira.

Programu ya Moyo

Maprogramu apadera monga Lifeline Program amathandiza kulankhulana kotsika. Programu ya Lifeline imapatsa ndalama zochepetsera pa foni kapena pa intaneti kwa ogula otsika oyenera kulandira, kutsimikizira kuti Aamereka onse ali ndi mautumiki a kulankhulana amene afunikira kugwirizanitsa ndi ntchito, banja, ndi mautumiki amwadzidzidzi.

Programu za Maphunziro Zothandiza

Programu ya Federal Pell Grant

Maphunziro amapereka monga Federal Pell Grant Program ndi FSEOG kuchirikiza ophunzira olandira ndalama zochepa olondola maphunziro apamwamba. Federal Pell Grant ndi programu yaikulu koposa ya boma yopereka kwa ochepera ndipo yalinganizidwira kuthandiza ophunzira kuchokera ku mabanja otsika opezedwa. Mosiyana ndi ngongole, Pell Grants safunikira kulipiridwa kusiyapo pansi pa mikhalidwe ina.

Malipiro a Pell Grant amadziŵika ndi kusoŵa kwa ndalama, mtengo wa opezekapo, malo a kulembetsa (nthaŵi yokwanira kapena nthaŵi yochepa), ndi kaya wophunzirayo apezekapo kwa chaka chonse kapena chochepera. Masinthidwe aakulu a Pell Grant pachaka ozikidwa pa ndalama za programu.

Aid Yothandiza Ophunzira ya Federal

Pambali pa ndalama zoperekedwa, boma la boma limapereka mitundu yosiyanasiyana ya chithandizo cha ophunzira kuphatikizapo ngongole zapansi ndi zosagonjetseka, maprogramu a ntchito, ndi chithandizo china cha maphunziro. Free Application for Federal Students Aid (FAFSA) ndiyo njira yofikira maprogramu ameneŵa. Ophunzira ayenera kumaliza pachaka kutsimikizira kuyenerera kwawo kaamba ka chithandizo cha boma cha ophunzira.

Anthu Odya Njuchi Amapindula

Malo a zaumoyo amaperekedwa ndi bungwe la Veteran Health Administration ndipo amapereka ndalama zothandizira kuchipatala, machipatala, zothandizira anthu kumva, chithandizo cha mano, maprogramu a zaumoyo, ndi mautumiki ena ambiri. Olandira chithandizo cha mankhwala angakhale oyenerera kaamba ka mapindu osiyanasiyana kuphatikizapo kulipira zopunduka, maprogramu a penshoni, maphunziro ndi mapindu, zitsimikizo za ntchito zapanyumba, ndi mautumiki othandizira kubwezeretsa ntchito.

Kukhoza kwa akatswiriwo kumadalira pa zinthu monga kuchepa kwa ntchito, kutalika kwa ulemu, ndi kuchuluka kwa ndalama zimene amapeza. Dipatimenti ya Veterans Affairs (VA) imayendetsa njira yaikulu kwambiri yosamalira anthu odwala, kuthandizira ku malo a zachipatala a VA ndi zipatala za odwala m’dziko lonselo.

Mmene Mungagwiritsire Ntchito Maprogramu a Thandizo a Boma

Kuzindikira Kuti Ndinu Wofunika Kuwakhulupirira

Kuti muone ngati banja lanu liyenera kupindula ndi malangizo 2026, ŵerengerani ndalama zimene mumapeza powonjezera ndalama zimene aliyense m’banja mwanu amapeza pachaka.

Kuyenerera kaamba ka maprogramu a chithandizo cha boma kumafuna kwambiri kukhala nzika ya United States kapena kukhala kwalamulo, kukwaniritsa zitsogozo za ndalama, ndi ukulu wa banja. Komabe, zofunika zimasiyana kwambiri ndi programu, chotero kuli kofunika kupenda ziyeneretso zakutizakuti za programu iliyonse imene mukufuna.

Njira Zogwiritsira Ntchito

Mapulogalamu ambiri amalola kuti mugwiritse ntchito adiresi ya pa Intaneti imene ingakhale njira yabwino komanso yofulumira kwambiri.

Mungathenso kugwiritsa ntchito pa munthu pa maofesi a boma kapena mabungwe a m'dziko. Maprogramu ena amafuna kufunsa mafunso monga mbali ya ntchito yofunsira. Kuwonjezera apo, maprogramu ambiri amalola mafomu kutumiza makalata kapena foni. Njira yofunsira ingathe kusiyanasiyana malinga ndi programu yapadera ndi boma lanu.

Kugwiritsa Ntchito Mapindu.

Pitani ku Dipatimenti ya Mautumiki a Anthu kapena pindu la boma lanu.gov kuti mupeze pulogalamu yanu. Mapindu ake ndi webusaiti ya boma la United States, yopereka chidziŵitso pa mapindu oposa 1,000 ndi maprogramu othandiza. Malowo amapereka chiwiya chodzionetsera dala kuti muone mapulogalamu amene mungathe kuyenerera malinga ndi mikhalidwe yanu.

M’buku Lofunika

Pofunsira mautumiki a zachikhalidwe, mufunikira kupereka mitundu yosiyanasiyana ya zolembedwa kutsimikizira kuti ndinu woyenerera. Makalata ofala amaphatikizapo chitsimikiziro cha chizindikiritso (laisensi ya mpikisano wa mpikisano, ID ya boma, kapena pasipoti) makhadi a Social Security ya ziŵalo zonse za banja, chitsimikizo cha ndalama (malipitso, zobwezedwa msonkho, kapena zopindulira), chitsimikizo cha kukhala ndi malo osungira kapena mapangano a kulera ana.

Pamene mufunsira ku Medicaid, mungafunikire kupereka chidziŵitso china kapena zolembedwa. Koma zimene zikufunika zimadalira pa boma lanu. Ndi bwino kusonkhanitsa mapepala onse ofunika musanayambe kufunsira ntchitoyo ndi kupeŵa kuchedwa.

Kugwira Ntchito ndi Ogwira Ntchito ya Maakaunti

Ku United States ku America, munthu aliyense wodziwa ntchito amapatsidwa chikalata choikira kumbuyo kuti adziwe zimene akufunikira. Anthu ogwira ntchito pakampani angathandize kwambiri pofunsira ntchito, kukuthandizani kumvetsa mapulogalamu onse, kufunsira bwino komanso kugwiritsa ntchito mavuto alionse amene angabuke.

Musazengereze kufunsa mafunso kapena kupempha yankho kuchokera kwa wogwira ntchito. Iwo alipo kukuthandizani kupeza mapindu amene muyenera kulandira. Ngati simukugwirizana ndi kutsimikiza mtima, maprogramu ambiri ali ndi njira yokopa imene wochita ntchito yanu angafotokoze.

Kuzindikira Ufulu ndi Udindo Wanu

Ufulu Wanu Monga Mwini wake

Muyenera kupatsidwa ulemu ndiponso kupatsidwa ulemu, kulandira chidziŵitso chomveka bwino chokhudza zimene mukufunika kuchita pa pulogalamuyo ndiponso phindu lanu, kukhala ndi chinsinsi pa nkhani zanu, ndiponso kuchita chidwi ndi zimene mukuganiza kuti n’zolakwika.

Maprogramu amaletsedwa kusiyanitsa anthu chifukwa cha fuko, mtundu, chiyambi, kugonana, msinkhu, kupunduka, chipembedzo, kapena zikhulupiriro zandale. Ngati mukhulupirira kuti munapatulidwa, mungaike chidandaulo ku bungwe loyenerera kapena ku Dipatimenti ya Zaumoyo ndi Zaumoyo wa Anthu ku United States

Udindo Wanu

Kuphatikiza pa ufulu wanu, muyenera kupereka chidziŵitso cholondola ndi chathunthu pa maseŵero anu ndi kusimba masinthidwe alionse a mikhalidwe yanu amene angakhudze kuyenerera kwanu, monga ngati kusintha kwa ndalama zimene mumalandira, kulemba za m'nyumba, kapena maadiresi. Kulephera kupereka masinthidwe kungachititse malipiro opambanitsa amene mungafunikire kubwezedwa, ndipo m’zochitika zina, mungatuluke ndi chilango kapena kuchotsedwa pa maprogramu.

Muyeneranso kugwirizana ndi zofunika za programu, zonga ngati zifuno za ntchito za TANF, zofunikira kufunafuna ntchito kaamba ka inshuwalansi ya ulova, kapena zikalata zofunikira kaamba ka SNAP ndi Medicaid. Kumvetsetsa ndi kukwaniritsa mathayo ameneŵa kumakuthandizani kupitirizabe kulandira mapindu amene mufunikira.

Kusunga Mapindu Anu

Kutsimikizira ndi Kukonzanso

Boma lanu lingapendenso chidziŵitso chanu chaka chilichonse kuti musankhe ngati muli oyenerera ku Medicaid. Ngati iwo afuna chidziŵitso chowonjezereka kwa inu, adzakufunsani ponena za kukonzanso kwa pulogalamu yanu. Maprogramu ambiri opindulitsa amafuna kutsimikizira kwa apa ndi apo kupitirizabe kuwoneka bwino. nyengo ya kulembedwanso ya mapangano imasiyanasiyana ndi programu, kuyambira miyezi yoŵerengeka iriyonse kufikira chaka ndi chaka.

Ngati simunalembe kalata yolembedwa pa Intaneti, mungalephere kuilemba pa nthawi yake.

Kusimba za Kusintha kwa Zinthu

Kulemba mwamsanga masinthidwe m’mikhalidwe yanu nkofunika kwambiri kuti musungebe mapindu olondola. Masinthidwe amene ayenera kusimbidwa kwenikweni akuphatikizapo kuwonjezereka kapena kutsika kwa ndalama zimene amapeza, kusintha kwa ukulu wa nyumba (anakubala, imfa, kapena anthu osamukiramo kapena kutuluka), kusintha kwa mkhalidwe wa ntchito, kusintha kwa chuma kapena chuma, ndi kusintha kwa maadiresi kapena chidziŵitso.

Mapulogalamu ambiri amathandiza kuti pa Intaneti pakhale mapulogalamu osiyanasiyana monga madoko, mafoni, makalata, kapena maulendo a pa Intaneti. Masinthidwe ena ayenera kulembedwa pa nthawi inayake, ndipo nthawi zambiri pasanathe masiku 10, choncho muyenera kudziwa bwino zimene pulogalamu yanu ikufuna.

Kugonjetsa Zopinga Zofala Zopezera Mapindu

Malingaliro Olakwika

Chinthu chimodzi chimene chimapangitsa kuti anthu asamalandire phindu ndicho manyazi amene anthu ena amakhala nawo polandira chithandizo cha boma. N’kofunika kukumbukira kuti mapulogalamu amenewa amakhalapo makamaka pothandiza anthu pa nthawi zovuta, ndipo anthu ambiri amene amakhoma misonkho pa moyo wawo wonse angafunikire thandizo panthaŵi inayake, ndipo mapulogalamu amenewa amathandiza kuti athandize anthu.

Mwachitsanzo, anthu ena amada nkhawa kuti kupindula ndi zinthu zina kungachititse kuti anthu ena asamuke kapena akhale nzika, koma anthu ambiri amene asamukira m’dziko lina salandira mapulogalamu oyenerera, ndipo nthawi zambiri anthu osamukira m’dzikolo salandira phindu lililonse.

Mavuto a Chinenero

Ngati Chingelezi si chinenero chanu chachikulu, zopinga za chinenero siziyenera kukulepheretsani kupeza mapindu. Malamulo a Federal amafuna mabungwe kuthandiza anthu a Chingelezi osadziŵa bwino . Izi zingaphatikizepo zotembenuzidwa, mautumiki omasulira, kapena antchito a zinenero ziŵiri. Musazengereze kupempha thandizo la chinenero pofunsira kapena polandira mapindu.

Kupezeka kwa Zipangizo

Ngakhale kuti mapulogalamu ambiri masiku ano amathandiza pa Intaneti, si anthu onse amene amatha kugwiritsa ntchito Intaneti kapena makompyuta, koma anthu ambiri akhoza kugwiritsa ntchito Intaneti pofunsira thandizo pa Intaneti.

Mavuto a Zamayendedwe

Mapulogalamu ambiri amafunsa anthu pafoni kapena pa Intaneti kuti achepetse ntchito yoyendera. Mabungwe ena amathandiza anthu kuti apeze ndalama zoyendera.

Ndalama Zowonjezereka ndi Chichirikizo

Mabungwe a Anthu

Mabungwe ambiri ogwirizana ndi chitaganya amapereka chithandizo ku maprogramu a boma opindulira. Ameneŵa amaphatikizapo mabungwe a United Way, Catholic Charities, Jewish Family Service, mabungwe a boma, mabungwe othandizira osamukira m'dziko, ndi mabungwe autumiki a othaŵa a m'dziko. Mabungwe ameneŵa kaŵirikaŵiri amapereka chithandizo chaulere, kuthandiza kusonkhanitsa zikalata, ndi mautumiki a zauchigawenga.

Malo a zaumoyo a m'chitaganya ndi zipatala zingakhalenso ndi mapindu a akatswiri olembetsa amene angakuthandizeni kufunsira kaamba ka zipatala ndi maprogramu ena. Ambiri a mabungwe ameneŵa amalandira ndalama za boma mwachindunji kuthandiza anthu kupeza mapindu amene ali oyenerera kulandira.

211 Thandizo

Kutumiza 211 kumagwirizanitsa chidziŵitso chochuluka ndi ntchito yotumiza mauthenga yomwe ingakuthandizeni kupeza zinthu za m'malo ambiri ndi maprogramu othandiza. Utumiki wa 211 ulipo m’madera ambiri ndipo umapereka chidziŵitso chonena za mautumiki osiyanasiyana kuphatikizapo chithandizo cha chakudya, kuchirikiza nyumba, chithandizo cha ntchito, kusamala zaumoyo, ndi zina zambiri. Akatswiri angakuthandizeni kusiyanitsa maprogramu amene mungayenerere ndi kuyanjana ndi opereka malo akumeneko.

Boma ndi Chuma Chakumene Amakhala

Boma lililonse lili ndi bungwe lothandiza anthu limene limakonza mapulogalamu a boma ndi a boma. Mawebusaiti a boma amapereka chidziŵitso chokwanira chokhudza mapulogalamu amene alipo, zimene zimafunika kuti zikhale zothandiza, ndiponso njira zogwiritsira ntchito ntchito. Mayiko ambiri alinso ndi makompyuta amene angakuthandizeni kudziwa mapindu amene mungalandire.

Maofesi a boma, kuphatikizapo madipatimenti a ntchito za kakhalidwe ka anthu, angapereke chithandizo ndi chidziŵitso cha maprogramu a boma ndi a kumaloko. Malo ena alinso ndi malo oimika amene amamanga mautumiki ambiri m’nyumba imodzi, kupangitsa kuti zikhale zosavuta kulowa m’mapulogalamu osiyanasiyana.

Kusamalira Mwapadera Anthu Ena

Agogo

Achikulire angayenerere maprogramu osiyanasiyana kuposa mapindu a kupuma pantchito ya Social Security, kuphatikizapo SSI , SNAP, Medicaid , Programs Medicareas Saves, Farmers's Markettion Program, ndi maprogramu a msonkho wa katundu. Maboma ambiri amapereka maprogramu owonjezereka mwachindunji kwa achikulire, monga ngati chithandizo cha mankhwala operekedwa ndi boma, chithandizo cha magetsi, ndi malo aakulu amene amapereka chakudya ndi ntchito za mayanjano.

National Council on Aging’s Beseccopte Up chiŵiya chapadera chathandiza okalamba kudziŵa mapindu amene angayenerere. Dera la Actress on Agent limapereka chidziŵitso, chithandizo, ndi mautumiki othandiza achikulire kukhalabe odzidalira ndi okangalika m'midzi yawo.

Anthu Olumala

Anthu opunduka angayenerere SSI, SSDI , Medicaid, SNAP, chithandizo cha nyumba, ndi ntchito zothandizira anthu. Programu ya Social Security’s to Work (Ticket) imathandiza anthu a zaka 18 mpaka 64 amene amapindula ndi chitetezo cha Social Security ndipo amafuna kugwira ntchito. Mwa programu imeneyi yaulere ndi yodzifunira, oyenera kugwira ntchito ndi mabungwe a Social Security ovomerezedwa ndi antchito kuti apeze chithandizo ndi ntchito zimene amafunikira kupeza ntchito kuti apeze ntchito ndi kusungidwa pamene akupita kuntchito kuti apeze ufulu wa zachuma.

Maboma ambiri amakonzanso mapulogalamu ena opita kwa anthu olumala, monga osamalira anthu awo okha, a zaumisiri, ndiponso a m’nyumba ndi m’madera ena amene amalola anthu kukhala m’nyumba zawo m’malo mopita ku malo osamalira anthu.

Mabanja Okhala ndi Ana

Mabanja okhala ndi ana angayenerere ku TANF, SNAP, DETID, CHIP, WIC, , , Chipatala cha Ana, Kupereka Msonkha, ndi chakudya chaulere kapena cha ndalama zochepa za sukulu. Mutu Woyamba ndi Early Prom imapereka maphunziro aukhanda, thanzi, chakudya, ndi mautumiki a makolo othandizira ana ndi mabanja otsika.

Child Care and Development Fund imathandiza mabanja opeza ndalama zochepa zopezera ana kuti makolo agwire ntchito kapena kupezeka pa maprogramu a maphunziro. Maboma ambiri amaperekanso maprogramu a ana asanafike paulimi kuchokera ku mabanja opeza bwino.

Alendo ndi Mabanja a Nkhondo

Oyendetsa nkhondo ndi mabanja awo angayenerere ku chisamaliro cha zaumoyo cha VA, malipiro a kupunduka, mapindu a maphunziro kupyolera mwa GI Bill, chilolezo cha panyumba, kukonzanso ntchito, ndi mapindu a kuika maliro. Mabanja ankhondo angayenererenso maprogramu opezeka kwa anthu onse, monga ngati SNAP ndi Medicaid, malinga ndi ndalama ndi mikhalidwe yawo.

Bungwe la Va limathandiza anthu amene anazoloŵera kusoŵa pokhala, kuvutika maganizo, kapena kugwiritsa ntchito mankhwala osokoneza bongo.

Othaŵa Kwawo

Kuyenerera kaamba ka mapindu a boma kumasiyana malinga ndi malo a kusamuka. Kaŵirikaŵiri, nzika za United States, othaŵa kwawo, alyees, ndi osamukira ena oyenerera angakhale oyenerera kaamba ka mapindu a boma, ngakhale kuti oyenerera ena osamukira kumaiko amayang'anizana ndi nyengo ya zaka zisanu yoyembekezera maprogramu ena. Osamukira osalembetsa ali ndi mwaŵi wochepa wa mapindu a boma, ngakhale kuti iwo angakhale oyenerera kaamba ka maprogramu amwadzidzidzi ndi a boma ndi a kumaloko.

Ana amene ali nzika za United States ali oyenerera kaamba ka mapindu mosasamala kanthu za malo a makolo awo oloŵa m'dziko. Kulandira mapindu kaŵirikaŵiri sikumayambukira malo akusamukira kapena kukhoza kusintha malo kapena kukhala nzika, ngakhale kuti pali malamulo ena opotozedwa ndi anthu. Mabungwe a ku Immigrant akhoza kupereka chitsogozo cha kupindula ndi kufalikira ndi ziyambukiro za kusamukira.

Chiyambukiro cha Maprogramu Othandiza a Boma

Kuchepetsa Umphaŵi ndi Kuwongolera Zotulukapo

Kufufuza kumasonyeza kuti maprogramu a boma la United States amene amasumika maganizo pa kuwongolera thanzi ndi maphunziro a ana olandira ndalama zochepa ndiwo ogwira ntchito kwambiri, okhala ndi mapindu ochuluka kwakuti boma lingabwezere ndalama zake m’kupita kwa nthaŵi chifukwa cha ndalama zowonjezereka za msonkho zimene anthu achikulire amene anapindula monga ana amapeza. Maprogramu a chithandizo cha boma amathandiza kwambiri kuchepetsa umphaŵi, kuwongolera zipambano za thanzi, ndi kupititsa patsogolo chuma.

Kufufuza kwasonyeza kuti maprogramu onga SNAP amachepetsa kusatetezereka kwa chakudya ndi kuwongolera thanzi, makamaka kwa ana.

Kusokonezeka kwa Zachuma

Maprogramu a chithandizo cha boma amagwiranso ntchito monga kukhazikitsa chuma, makamaka pamene chuma cha dziko chachepa.

Mapindu a Nthaŵi Yaitali

Ana amene amalandira chakudya chokwanira, chisamaliro chaumoyo, ndi nyumba zokhazikika ali othekera kwambiri kupambana m’sukulu, kumaliza maphunziro a sekondale, kukoleji, ndi kupambana pa zachuma monga achikulire. Kufikira kuchipatala kudzera mwa Medicaid kapena CHAIP kungatetezetse mavuto aang’ono a thanzi kukhala owopsa ndi owonongetsa ndalama.

Maprogramu amene amathandiza ntchito, monga kusamalira ana ndi kuthandizira anthu olandira masheya a M’mabungwe a Thaifolo ndi kuwathandiza kuti azigwira ntchito zapamwamba ndiponso kuti azipeza ndalama zambiri.

Kutsogoloku: Kusintha kwa Zinthu ndi Khalidwe la Anthu

Kuyesayesa kwa Masiku Ano

Mabungwe a boma akuthandiza kwambiri kuti njira zoperekera katundu zikhale zothandiza, ndipo zimenezi zimapangitsa kuti anthu azifunsira ndi kuonetsetsa kuti zinthu zikhale bwino. Izi zimaphatikizapo kukonza njira zogwiritsa ntchito intaneti, mapulogalamu a pa Intaneti, ndi njira zosiyanasiyana zothandizira anthu kuti azitha kufunsira mapulogalamu osiyanasiyana pogwiritsa ntchito pulogalamu imodzi. Mayiko ena akugwiritsa ntchito mapangano ochepetsa ntchito yolemba zinthu pa ofunsira.

Kusamalira Mtolo Wolemetsa

Anthu ambiri azindikira kuti njira zogwiritsa ntchito, zofunika zokhalira ndi zikalata zolembedwanso, ndiponso zofunika zolemetsa zingaletse anthu kukhala oyenerera kuti apeze mapindu. Opanga malamulo ndi oyang’anira akufufuza njira zochepetsera ntchito, kufutukula nyengo zokhala ndi zikalata, ndi kugwiritsira ntchito zogwirizana ndi kutsimikizira kuti zinthu sizikusintha popanda kufuna mapepala ambiri kuchokera kwa ofunsira.

Kufutukula Kupezeka

Anthu ambiri akuyesetsa kupeza phindu lochuluka mwa kugwiritsa ntchito anthu opezeka m’mayiko ena, makamaka m’madera amene sanapezedwebe, kuchita zinthu mogwirizana ndi mabungwe odalirika, ndiponso kuchuluka kwa anthu amene sachita nawo chidwi ngakhale kuti anthu ambiri sachitapo kanthu.

Kutenga Sitepe Lotsatira

Kuzindikira maprogramu a boma amene alipo ndilo sitepe loyamba la kupeza chithandizo chimene mukufuna. Musalole kukayikira kapena malingaliro olakwika kukulepheretsani kufunafuna zosankha zanu. Anthu ambiri amadabwa kuphunzira kuti ali oyenerera kaamba ka maprogramu omwe sanadziŵe kuti analipo kapena kuganiza kuti sakanayenerera.

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Kumbukirani kuti kufunsira mapindu sindiko chizindikiro cha kulephera koma kugwiritsira ntchito chuma mwanzeru kolinganizidwira kuthandiza anthu panthaŵi zovuta.

Ngati simunalandire mapindu amene mumakhulupirira kuti muli ndi ufulu, musaleke. Maprogramu ambiri ali ndi njira zokopa, ndipo mabungwe a chitaganya kapena mautumiki alamulo angakuthandizeni kuyang'ana thambo. Malamulo a kuwona mtima angakhale ovuta, ndipo nthaŵi zina kukana koyamba kumazikidwa pa kusamvetsetsa kapena kusoŵa chidziŵitso chimene chingawongoleredwe.

Maprogramu othandiza boma amaimira njira yofunika kwambiri yotetezera anthu a ku America imene imathandiza anthu mamiliyoni ambiri kukhala ndi zinthu zofunika, kugonjetsa mavuto, ndi kugwira ntchito kuti adzithandize. Mwakumvetsa maprogramu amene alipo ndi mmene mungawapezere, mungatsimikizire kuti inuyo ndi banja lanu mulandira chithandizo chimene mufunikira. Kaya mufuna thandizo la zaumoyo, chakudya, nyumba, ndalama zothandizira, kapena zinthu zina zofunika, maprogramu alipo kukuthandizani. Mukhoza kupeza chuma chimene chilipo kudzera m’mabungwe a boma, mabungwe a m’chitaganya, ndi zipangizo za pa Intaneti kuti muyendetse njira ndi kupeza mapindu amene angakuthandizeni kukhala ndi moyo wanu wothandiza kwambiri.

Kuti mudziŵe zambiri zokhudza mapulogalamu apadera ndi kuyamba njira yofunsira, chezerani . USA.