Table of Contents

Kuzindikira Chisamaliro Chochuluka cha Chichirikizo cha Banja la Boma

Mautumiki a boma akhala otetezera kwambiri m'njira yothandiza mabanja m’mbali zonse za moyo. Kuyambira pa kulera ana ndi maphunziro a ana adakali aang'ono mpaka pa kupuma pantchito, maprogramu ameneŵa amachepetsa kupsinjika maganizo kwa zachuma ndi okalamba, amapangitsa kuti pakhale njira zopitira patsogolo. Komabe, mabanja ambiri sazindikira za mapindu onse amene alipo kapena kuyesayesa kuyendetsa bwino ntchito zofunsira. Mwakupeza chidziŵitso chomveka bwino cha zimene zikuperekedwa ndi mmene angazipezere, mabanja angasinthe thandizo la boma kuchokera ku bungwe la burecracy mélate kuti akhale chida champhamvu chothandizira kukhazikika ndi kukula.

Mautumiki Osamalira Mabanja

Kufikira ku chisamaliro chaumoyo chopereŵera kuli chimodzi cha maprogramu ovuta kwambiri a moyo wa banja. Federal ndi boma zimagwira ntchito pamodzi kutsimikizira kuti ngakhale mabanja olandira ndalama zochepa angalandire chithandizo chamankhwala popanda kuwonongetsa ndalama zowonongedwa.

Medicaid ndi Ana ’ Programu ya Inshuwalansi ya Zaumoyo (CHIP)

Médicaid akupereka nkhani zambiri za thanzi kwa anthu olandira ndalama zochepa, kuphatikizapo akazi apathupi, ana, makolo, okalamba, ndi anthu olumala. Kusiyana kwa boma, koma Affordhable Care ACID Act (A) yokulira m'mayiko ambiri kuphatikizapo achikulire omwe ali ndi ndalama zochepa kufikira 138% ya umphaŵi wa boma. CHAIP imadzaza mpata wa ana m’mabanja amene ndalama zawo n’zokwera kwambiri ku Medicaid koma n’zochepa kwambiri moti sangathe kugula inshuwalansi ya .

Zolembedwa zaposachedwapa kuchokera ku Centers for Medicare & Medicaid Services zikusonyeza kuti ana oposa 40 miliyoni amagwirizanitsidwa ndi Medicaid kapena CHAIP, kupanga maprogramu ameneŵa kukhala magwero aakulu koposa a ana a ’ opereka nkhani za umoyo ku United States. Mabanja ayenera kupenda boma lawo’ zitsogozo zopimira, monga momwe ana ambiri amayenerera ngakhale pamene makolo satero.

Kuteteza Maganizo ndi Kuthandiza

Maprogramu a zaumoyo a boma amagogomezera kwambiri kuletsa. Pansi pa ACA, mapulani ambiri ayenera kukhudza mautumiki otetezera popanda malipiro, kuphatikizapo katemera, kupima kansa, maulendo a ana, ndi chisamaliro cha kulera. Kwa mabanja, zimenezi zimatanthauza kuyambitsa mavuto athanzi mwamsanga ndi kupeŵa maulendo a m'chipinda changozi. Kuwonjezerapo, Medicaid ndi zolinga zambiri za boma tsopano zikuphatikizapo thanzi la maganizo ndi mankhwala ochiritsira, zimene zikuwonjezera nkhaŵa ndi kupsinjika maganizo pakati pa ana ndi achikulire omwe.

Kuthandiza Ana Kuphunzira Kuyambira Ali Ang’ono Kupyola kukoleji

Maphunziro ndiwo maziko a banja oyenderana ndi chuma, ndipo maprogramu a boma amapereka ndondomeko kuyambira pa zaka zoyambirira za maphunziro apamwamba ndi maphunziro a ntchito.

Maphunziro Aunyamata: Mutu Woyamba ndi Woyamba

Put Start ndi Early Head Star ndi maprogramu oyendetsedwa ndi boma amene amalimbikitsa kuti ana a m’mabanja osauka apeze ndalama zochepa, kuyambira pa kubadwa mpaka zaka zisanu. Maprogramu amenewa saphunzitsa chabe komanso amathandiza anthu kukhala ndi thanzi labwino, chakudya, ndi ntchito zina zothandiza. Mayiko ambiri amayendetsanso mapulogalamu oyendetsedwa ndi anthu asanayambe kulowa sukulu. Kufufuza nthaŵi zonse kumasonyeza kuti ana amene amapita kusukulu adakali aang’ono akhoza kupambana pamaphunziro ndipo mwina sangafune maphunziro apadera pambuyo pake.

K-12 Maphunziro a Anthu Onse ndi Maphunziro Apadera

Sukulu za boma ku United States zimalipiriridwa kupyolera m'madola a kumaloko, boma, ndi a boma, kutsimikizira maphunziro aulere kwa mwana aliyense. The Assembly With Diculture Education Act (IEA) imatsimikizira kuti ana opunduka alandire maphunziro oyenera a anthu onse (FAPE) m’malo osakhwimitsa kwambiri. Zimenezi zimaphatikizapo maprogramu a maphunziro aumwini (IEPS), mautumiki ogwirizana ndi machiritso a kulankhula, ndi luso la zopanga zinthu zothandizira.

Chithandizo cha Ophunzira Oyang’anira Maphunziro Apamwamba ndi Maphunziro a Ntchito Zamanja

Department of Education ya United States imapatsa ndalama, ngongole, ndi maprogramu a ntchito kupyolera mwa Preference Preferel Students Aid (FAFISA). Pell Grants amapereka chithandizo chofunikira chimene sichifunikira kubwezeredwa, ndi mphotho yaikulu ya $7,300 ya ndalama za 2024 pachaka cha malipiro. Mabanja angapindulenso ndi Federal Direderal Direct Loans, Pal PLUS, ndi Federal Wogwira ntchito ndi Supyy . Kwa awo amene akulondola ntchito ndi maphunziro a zaukatswiri, maprogramu onga ma Inglikitition ndi Opanga ntchito (WA) yophunzitsa ndi ntchito (WIO).

Programu Zachithandizo Chachuma Zimene Zimalimbitsa Chigwirizano cha Banja

Maprogramu a chithandizo cha boma amakonzedwa kuti athandize pakanthaŵi kochepa koma kothandiza panthaŵi ya ntchito, mavuto a zamankhwala, kapena mavuto ena a ndalama.

Thandizo Lokanthaŵi la Mabanja Osoŵa (TANF)

TANF imapereka ndalama ku maiko, zimene kenaka zimapereka ndalama, maphunziro a ntchito, ndi mautumiki ochirikiza monga ngati kusamalira ana ndi zoyendera. Cholinga ndicho kuthandiza mabanja kupeza phindu laumwini. Pamene kuli kwakuti mapindu a TANF amasiyana kwambiri ndi boma, mabanja oyenerera amapezanso chichirikizo china monga chithandizo cha chakudya ndi Medicaid. Moyenerera, tanF imaphatikizapo zofunika za ntchito, ngakhale kuti maboma amapatsa makolo osakwatira ana aang'ono kapena awo amene amasamalira ziŵalo za banja zopunduka.

Programu ya Chithandizo cha Zakudya Zowonjezera (SNAP)

SNAP, yomwe kale inkadziŵika monga zidindo za chakudya, imathandiza mabanja opeza chakudya chochepa. Chaka cha 2024, phindu la mwezi ndi mwezi pabanja linali pafupifupi $30. Mapindu amaikidwa pa khadi la Electronic Benefit Transrection (EBT) ndipo angagwiritsidwe ntchito m'masitolo ambiri. Kufufuza kumasonyeza kuti kutenga nawo chakudya cha SNAP kumachepetsa chakudya ndi kuwongolera ana amene amakhala ndi thanzi labwino. Mabanja angagwiritse ntchito pa Intaneti kudzera mwa mabungwe a boma; kuchuluka kwa ndalama za msika, ndi ndalama zina.

Mphoto Yolandira Msonkho (EITC) ndi Msonkho wa Ana

EITC ndi ngongole yobwezedwa ya boma ya anthu ogwira ntchito ndi mabanja amene ali ndi ndalama zochepa. M’chaka cha 2024 cha msonkho, ngongole yaikulu ya banja la ana atatu ndi $7,830. Child Taxix Crect (CTC) imapereka ndalama za $2,000 pa mwana aliyense woyeneretsedwa, ndi ndalama zokwana madola 1,700 zopitira ku Southern Child Leach Cer. Ngongo zimenezi zingatulutse ndalama zochuluka zimene mabanja amagwiritsira ntchito kaŵirikaŵiri kaamba ka kukonza galimoto, kugulitsa zinthu za kusukulu, kapena ndalama za magetsi.

Inshuwalansi ya Ulova, Yachitetezo cha Anthu, ya SSI, ndi ya Ulova

Mabanja okhala ndi kholo lopunduka kapena mwana angayenerere kulandira ndalama zothandizira kukwaniritsa zofunika pa moyo. Inshuwalansi ya ntchito (UI) imapereka ndalama zoloŵa mmalo antchito amene amataya ntchito zawo popanda kulakwitsa. Mapindu amaperekedwa ndi boma ndipo amakhala milungu 26, ngakhale kuti kuwonjezerako kukhoza kupezeka m’nthaŵi ya kutsika kwa chuma.

Programu ya Nyumba Zabwino ndi Zokongola

Department of House and Urban Development (HUD) ndi Dipatimenti ya Zaulimi (USDA) ya United States imapereka maprogramu osiyanasiyana othandiza mabanja kugula nyumba za lendi kapena zogulira zinthu.

Thandizo la Mano: Chigawo 8 Chigawo cha Malo Okongola ndi Nyumba Zapoyera

Malo Osankhira Nyumba Voucher Program (amene amatchedwa chigawo 8) amalola mabanja olandira ndalama zochepa kubwereka nyumba pamsika wa munthu wina pamene akulipira pafupifupi 30% ya ndalama zawo ku lendi; wopereka ndalama zotsala. Maprojekiti a nyumba za anthu amapereka nyumba zokhoza kuyendetsedwa ndi akuluakulu a boma. Oyembekezera kaŵirikaŵiri amakhala aatali, koma mabanja amene ali m’mavuto kapena okhala ndi nyumba zina zofunika. Zonga ngati mikhole ya chiwawa cha m’nyumba kapena awo okhala m’mikhalidwe yotsika. Maboma ambiri amapatsanso malo ogwirira ntchito ogwirizana ndi nyumba zapangika.

Thandizo la Kumanga Nyumba ndi Thandizo la Kupulumutsa

FHA, yolembedwa ndi Federal Houlation Administration , imalola ogula anthaŵi yoyamba kugula nyumba zotsika monga 3.5%. Ndalama zopereka chithandizo za boma za USDA Kumalikiti zimapereka ndalama zothandizira kulipira m'malo oyenerera. Kwa eninyumba amakono amene akuyang'anizana ndi mavuto, Home Application Fund (HAF) inapereka chithandizo m'miliri, ndipo maboma akupitirizabe kupereka maprogramu othandizira kulipira ngongole. Kuwonjezera apo, mabungwe opereka uphungu a nyumba zoyendetsera nyumba oyendetsedwa ndi Hid angathandize mabanja kuwongolera mangawa a ngongole ndi kuyendetsa njira yogulira nyumba.

Kusoŵa Kokhala Kosoŵa Mwadzidzidzi ndi Kuchinjiriza Kusoŵa Kokhala

Programu ya Emergency Demergencys Grant (ESG) imathandizira ndalama za malo obisalira, kutumiza anthu osoŵa pokhala, ndi mautumiki otetezera kusoŵa. Mabanja amene ali pangozi ya kuchotsedwa kwawo kaŵirikaŵiri angapeze chithandizo chapanyumba chanthaŵi yochepa kudzera mwa Continums of Care kapena anzake osapanga phindu. Dipatimenti ya Veterans Affairs imayendetsanso programu ya HUD-VASH, yomwe imaphatikiza olemba milandu ndi oyang’anira antchito opanda nyumba.

Kusamalira Ana ndi Mautumiki Othandiza Ana Akamakula

Maprogramu a boma angachepetse kwambiri vutolo.

Kusamalira Ana ndi Kupititsa Patsogolo Ndalama (CCDF)

CCDF imagaŵira ndalama zothandizira kusamalira ana m’mabanja olandira ndalama zochepa. Mabanja okhoza kulipira ndalama zochepa, ndipo opereka ndalama angalandire kusiyana kuchokera ku boma. M'mayiko ambiri, kugwiritsa ntchito ndalama kungagwiritsiridwe ntchito posamalira ana, nyumba zosamalira ana, kapena chisamaliro chapabanja. Kufunsirako kumaphatikizapo kutsimikizira ndalama zimene amapeza, ntchito kapena ntchito, ndi mwana ̱ msinkhu wake. Mayiko ambiri tsopano amapereka mapulogalamu a pa Intaneti kuti apereke makompyuta ndi kukonzanso zinthu zina.

Kuyamba Kutsogolera ndi Kuyamba Kuyamba

Kuwonjezera pa maphunziro, maprogramu a Head Star amaphatikizapo tsiku lonse, lathunthu la chaka chamabanja amene amafunikira chisamaliro chowonjezereka. Maprogramu ameneŵa amapatsanso mayeso a thanzi, kupimidwa kwa mano, ndi chakudya chopatsa thanzi. Mabanja oyambirira a Early E Start amatumikira akazi oyembekezera ndi mabanja okhala ndi makanda ndi ana aang’ono. Ana oposa miliyoni imodzi amalimbikitsidwa kugwiritsa ntchito ntchito ntchito nthaŵi isanakwane. Makolo amalimbikitsidwa kugwiritsira ntchito makina oletsera zinthu monga momwe magalimoto amachepetsera m'malo ena.

Zoyamba za Boma Pasadakhale ndi Pambuyo pa Sukulu

Maboma ambiri afutukula maprogramu a anthu onse a K asanakwane kuti atumikire ana a zaka 3-4 mosasamala kanthu za ndalama zimene amapeza. Mwachitsanzo, maboma onga Oklahoma, Florida, ndi Vermont amapereka kwa onse K isanafike. Mabanja ayenera kuyang'ana dipatimenti yawo ya maphunziro a m'boma kaamba ka njira zapadera za kuyenerera ndi kulembetsa.

Mmene Mungayenerere Kutumikira Boma

Kuwoneka kumasiyanasiyana ndi programu, koma maprogramu ambiri amadalira pa mageti a malipiro onenedwa monga chigawo cha mlingo wa umphaŵi wa boma (FPL). Mwachitsanzo, Medicaid amaphikira ana m’mabanja ndi ndalama zimene amapeza kufikira 138% FPL, pamene kuli kwakuti SNAPP imafika pa 130% FPL. Maprogramu ena amalingaliranso chuma, malo a kusamuka, kulembedwa kwa m’nyumba, ndi kupunduka. Mabanja okhala ndi malo osiyanasiyana oloŵa m'dziko angayenererebe mapindu kwa ana awo a U. . Mkhalidwe wa nzika si wofunika kuti adziwonetseketsere ndi FLPL kapena kulankhula ndi katswiri wa za kuchuluka kwa anthu.

Kuona Mmene Mungagwiritsire Ntchito Njira Yogwirira Ntchito

Kuthandiza boma kumakhala kovuta, koma kutsatira mfundo izi kungathandize kuti zinthu zikhale zosavuta:

  • [[FLT : 0] Gwiritsirani ntchito ... "[FLT :1] Maseŵero onga Benefit. gov[FLT :3] kapena USA. gov imakuthandizani kupeza ndi kugwiritsa ntchito mapulogalamu angapo panthaŵi imodzi. Maboma ambiri amagwiranso ntchito imodzi yofunsira ntchito monga MEdidi, SNAP, ndi TANF.
  • Mapepala Opangira Malamulo Ofunika: Manambala a Chisungiko cha Anthu a ziŵalo zonse za nyumba, zikalata zakubadwa, zopimira kapena zobwezera zaposachedwapa, zikalata za kubanki, umboni wa ndalama zokhalamo nyumba, ndi zikalata zoloŵera kudziko ngati zingathe.
  • Seŵererani Online kapena Munthu: Maprogramu ambiri amalandira mapulogalamu a pa Intaneti, koma mu person chithandizo chimapezeka ku Dipatimenti ya Mautumiki a Mayanjano, mabungwe a ntchito za chitaganya, ndi mabungwe osapanga phindu.
  • Sungani Makope ndi Kutsatira Utu:[[FT:1] Lembani pansi manambala otsimikizira. Ngati simumvanso mu frame ya nthaŵi yotchulidwa (kaŵiri masiku 30), itanani kapena chezerani bungwelo. Ngati kampani yanu yakanidwa, funsani za njira yofunsira.

Thandizo Lapadera kwa Anthu Ovutika

Makonzedwe a Mabanja Okhala ndi Chiŵalo Chopunduka

Mabanja osamalira mwana kapena achikulire amene ali ndi ulema angapeze chichirikizo chowonjezereka, kuphatikizapo SSI, Medicaid wavers zimene zimalola chisamaliro cha panyumba, ndi Southral Nutrition Application Program ya Okalamba, Akhungu, kapena Opunduka (malamulo a ABWAWD angasiyane). Bungwe la Administration for Community Living limapereka chidziŵitso chonena za mautumiki ndi chichirikizo a nthaŵi yaitali.

Kuchirikiza Mabanja a Asilikali ndi Akhate

Mabanja ankhondo angapeze inshuwalansi ya zaumoyo ya Tride, programu ya Military One Source, ndi chichirikizo cha banja pa zoika. Mabanja ankhondo angayenerere kaamba ka mapindu a thanzi la VA, malipiro a kupunduka, ndi chithandizo cha maphunziro kupyolera mwa Post-9 /11 GI Bill. Webusaiti ya VA imapereka mapindu ochuluka opezedwa.

Mabanja ndi Mapindu a Anthu Osamuka

Nzika zalamulo zokhalamo (okhala ndi makadi a girini) kaŵirikaŵiri nzoyenerera kaamba ka mapindu ambiri pambuyo pa zaka zisanu zakukhala, ngakhale kuti othaŵa kwawo ndi aylates angayenerere mwamsanga. Osamukira kudziko osalembedwa sangakhale oyenerera kaamba ka maprogramu a boma onga SNAP ndi Medicaid , koma angapeze maprogramu amwadzidzidzi a chakudya chamasana, ndi malo a zaumoyo a chitaganya. Nthaŵi zonse amasunga malamulo ndi loya wa dziko wovomerezedwa ndi boma kapena osapindula monga National Immigation Law Center.

Kugwiritsa Ntchito Luso Kuti Akhalebe Wodziŵa Zinthu

Mabungwe a boma amadalira kwambiri zipangizo zamakono kuti athandize anthu kupeza njira. Maboma ambiri tsopano ali ndi ma apulogalamu a m'mafoni oyendetsera zinthu za SNAP poyang'anira phindu la SNAP, kuyang'ana kuti Medicaid eligiges, kapena kufotokoza kusintha kwa ndalama zimene amapeza. Nthawi zambiri mabizinesi amatumizidwa ndi foni kapena intaneti. Mabanja ayenera kuonetsetsa kuti apeza chidziŵitso chawo pa pulogalamu iliyonse. Kuwonjezera apo, mapulogalamu ambiri osathandiza monga 211 ndi makompyuta a m'mudzi amathandiza pa telefoni ndi pa Intaneti kuthandiza mabanja kudziwa ubwino.

Kusintha kwa Zinthu

Maprogramu a boma amasintha malamulo a boma ndi a boma. Mwachitsanzo, American Reavention Plan inawonjezera ndalama zothandizira mwana kulipira msonkho ndi inshuwalansi ya zaumoyo kwa kanthaŵi. Mabanja ayenera kusamala ndi kusintha kwa kamodzi pachaka kwa ndalama zimene amapeza, mayeso a ntchito, ndi ndalama zothandizira. Kutsatira manyuzipepala a mautumiki a boma ndi ma mediageni kungakuthandizeni kugwiritsa ntchito ̱ kuphonya mipata.

Malingaliro Omalizira

Mautumiki a boma amapanga mpambo wa chichirikizo chimene chingathandize mabanja kuwona nyengo yovuta, kuikizira ana awo ’ mtsogolo, ndi kukulitsa chisungiko cha nthaŵi yaitali. Pamene kuli kwakuti dongosololo liri locholoŵana, kuyesayesa kwa kumvetsetsa ndi kufikitsa maprogramu ameneŵa kuli koyenera. Mwa kukhala odziŵa, kusonkhanitsa zikalata zolondola, ndi kufunafuna chithandizo pamene kuli kofunika, mabanja angagwiritsire ntchito chuma chimenechi kuwongolera mkhalidwe wawo wa moyo ndi kupanga maziko okhazikika kwa mibadwo ikudzayo.