Table of Contents

Kuzindikira maprogramu a zachikhalidwe nkofunika kuti nzika ziyende bwino m'malo ovuta kwambiri okhala ndi mapindu ndi mautumiki osiyanasiyana m'moyo wawo. Maprogramu ameneŵa amapanga chitetezo chachikulu chimene anthu mamiliyoni ambiri a ku America amadalira kuti atetezedwe pa zachuma, apereke chithandizo cha zaumoyo, ndi zinthu zofunika kwambiri. Chisungiko cha Social Security chimaimira monga maziko a khoka la chitetezo chimenechi, kupereka chithandizo chofunika kwambiri kwa anthu opuma pantchito, anthu olumala, ndi opulumuka antchito ovutika. Komiti ya Social Security, maprogramume onga Medicaid, Medicaid, Spedial Conficity Applificity Programme (SPA), ndi njira zosiyanasiyana zothandizira anthu osamalira nyumba kuti athandize anthu osiyanasiyana kuchirikiza mavuto osiyanasiyana.

Pamene tikuyenda mu 2026, masinthidwe aakulu a maprogramu ameneŵa akuyambukira mmene nzika zimapezera mapindu, zimene zimalandira, ndi kuchuluka kwa malipiro ake. Kukhala odziŵitsidwa ponena za zofunika za kukhala woyenerera, njira zogwiritsira ntchito, ndalama zopindulitsa, ndi kusintha kwa malamulo kwaposachedwapa sikunakhalepo kofunika kwambiri. Chitsogozo chokwanira chimenechi chidzakuthandizani kumvetsetsa maprogramu aakulu a kakhalidwe opezekapo, mmene agwirira ntchito, ndi zimene mufunikira kudziŵa kuti muwonjezere mapindu anu.

Kumvetsetsa Chisungiko cha Anthu: Maziko a Chitetezo cha America

Chitetezo cha Social Security chikutanthauza imodzi ya maprogramu apadera kwambiri a inshuwalansi ya anthu m’mbiri ya America, yokhudza miyoyo ya anthu oposa 70 miliyoni olandira mautumiki. Programuyi imapereka mapindu kwa anthu pafupifupi 75 miliyoni a ku Amereka, ndi 2.8 peresenti ya kukonzanso moyo wa munthu komwe kunayamba mu January 2026. Programu imeneyi, yolipiridwa ndi misonkho yoperekedwa ndi antchito ndi mabwana, imapereka mapindu aakulu atatu: malipiro a kupuma pantchito, inshuwalansi ya kupunduka, ndi mapindu opulumuka kwa ziŵalo za banja za antchito omwe anafa.

Mmene Chitetezo Chimagwirira Ntchito

Bungwe la Social Security limagwira ntchito pamaziko a malipiro monga ngati inu, kumene antchito amakono amasonkhetsa ndalama za oloŵa. Mtengo wa Social Security and Medicare ndi 7.65 peresenti, limodzi ndi Social Security gawo (OASDI) kukhala 6.2 peresenti ya ndalama zokwana pa ndalama zoyenerera za msonkho, ndi Medicare gawo 1.45 peresenti ya malipiro onse. Kwa 2026, unyinji wa ndalama zimene anthu amalipira msonkho wa za Usungiko zidzawonjezeka kufika pa $184,500.

Kumvetsa mmene mungapezere ngongole ya kuchepetsako chitetezo cha anthu n’kofunika kwambiri pokonzekera ntchito yanu yopuma pantchito. Muyenera kupeza ndalama zosachepera 40 za chitetezo cha Mayanjano a Anthu kuti mukhale oyenerera kupindula ndi Social Security, ndipo mumalandira ngongole pamene mukugwira ntchito ndi kulipira misonkho ya Social Security. Ndalama zofunikira kuti mupeze ngongole chaka chilichonse chifukwa cha kukwera mtengo kwa ndalama. Mu 2026, zidzatenga $1,890 pa malipiro kuti mupeze ngongole imodzi, ndi $7,560 kuti mupeze ngongole zonse zimene zilipo m’chaka chimodzi.

Kupuma Pantchito Kwabwino kwa Anthu mu 2026

Mapindu a kupuma pantchito ndiwo mbali yodziŵika kwambiri ya Social Security. Ndalama zimene mungalandire zimadalira pa zinthu zingapo, monga malipiro anu a moyo wonse, zaka zimene munkagwira ntchito, ndi zaka zimene mungafune kupindula. Bungwe la Social Security Administration limatenga zaka 35 pambuyo posintha kukwera kwa mitengo ya zinthu ndi kuiika m'gulu la Social Security kuti mudziŵe phindu la inshuwalansi yanu yaikulu.

Bungwe la Social Security Administration likuyerekezera kuti phindu la avareji la kuleka ntchito lidzakwera ndi $56 pamwezi, kuchokera pa $2,015 kufika pa $2,071, kuyambira ndi malipiro amene amatuluka mu January 2026. Komabe, mapindu ochuluka kwambiri angakhale owonjezereka kwa awo amene alandira pa ndalama zopitira kapena kuposa pa zolipidwa pa ntchito zawo zonse. Phindu lalikulu la 2026 ndi loposa $5,000 pa mwezi kwa awo amene amachedwa kulembetsa kufikira zaka 70.

Pamene Tidzanene: Kumvetsetsa Nyengo ya Kupuma Pantchito Kokwanira

Chimodzi cha zosankha zofunika kwambiri zimene mudzachita ponena za Social Security ndicho kuyamba kupeza mapindu. Pamene mungathe kunena kuti mudakali ndi zaka 62, kuchita zimenezo kumachepetsa ndalama zanu za mwezi ndi mwezi. Okhala ndi zaka 62 mu 2026 adzalandira macheke 30% pa senti imodzi imene akanakhala nayo mwa kudikira kufikira atafika zaka zawo zonse zopuma pantchito.

Umisinkhu ya kupuma pantchito yokwanira (FRA) yosiyana malinga ndi chaka chanu chobadwa. Mwachisawawa, SSDI imasamalira antchito a zaka za pakati pa 18 ndi zaka zonse za kupuma pantchito (67 kwa aliyense wobadwa mu 1960 kapena pambuyo pake), ndipo mutamaliza ntchito, SSDI imapindula ndi kupuma pantchito ndi ndalama zomwe zimakhala zofanana. Kudikira kufikira zaka 70 kungawonjezere mapindu anu, kupanga chosankha chonena kuti ndicho mbali yofunika kwambiri ya kulinganiza ntchito.

Kugwira Ntchito Pamene Tikupeza Chisungiko m’Mayanjano

Anthu ambiri a ku America amapitirizabe kugwira ntchito atanena kuti apeza mapindu a Social Security, kaya mwasankha kapena mofuna. Komabe, ngati munena kuti musanakwanitse zaka zopuma pantchito, mapindu anu angachepetsedwe ngati mupeza ndalama zopitirira mabanjalo. 2026 ndalama zimene anthu amene apuma pantchito amalandira chaka chonse ndi $24,480, ndi bungwe la Social Security deducts (Oyang’Auyang'AMbali ya Chitetezo) pa phindu lililonse la ndalama zopezedwa pa K200,000.

Anthu amene amapuma pantchito mu 2026, amapeza ndalama zokwana madola 55,160, ndipo ndalama zonse zimene amapeza zikhoza kuchepa ngati muli ndi zaka zopuma pantchito kapena kukulirapo.

Kukwera Mtengo kwa Moyo

Mapindu a Social Security amasinthidwa chaka chilichonse kuti ayendere limodzi ndi kukwera kwa mitengo, kuthandiza opindula kusungitsa mphamvu zawo zogula zinthu. Malinga ndi kuwonjezeka kwa bungwe la Consumer Price Index (CPI-W) kuyambira pa magawo atatu a magawo anayi a 2024 mpaka 2525, anthu olandira chitetezo cha anthu ndi olandira chithandizo cha Security Informal Infied Ad alandira 2.8 peresenti ya CLA ya 2026. Kusintha kumeneku kumathandiza kutsimikizira kuti mapindu sataya mtengo wa ndalama zokwera pa moyo.

Inshuwalansi ya Chitetezo cha Anthu (SDI)

Inishuwansi ya Social Security Imapereka chithandizo chachikulu cha ndalama kwa antchito amene satha kugwira ntchito chifukwa cha matenda aakulu.

Zofunika za SSDI Kukana Kugonja

SSDI ndi programu ya inshuwalansi ya boma yotsogozedwa ndi Social Security Administration kumene mumalipiramo misonkho ya malipiro opezedwa, ndipo ngati mukhala wopunduka ndi wosagwiranso ntchito pamlingo wokulirapo, mungapeze mapindu a mwezi ndi mwezi malinga ndi mbiri yanu ya malipiro. Chiŵerengero cha ngongole za ntchito zofunikira chimasiyana ndi msinkhu, ndi antchito achichepere ofunikira ngongole zocheperapo kuposa antchito achikulire.

Mfundo yaikulu mu SSDI eligigol ndi "ntchito yopindulitsa kwambiri" (SGA). Kuti muyenerere ku SSDI, inu simungathe kuchita zimene SSA imatcha ntchito yopindulitsa kwambiri, ndipo mu 2026, malire a SGA ndi $1,690 pamwezi kwa ofunsira ndi $2,830 pamwezi kwa awo amene ali akhungu mwauphunzitsi. Ngati malipiro anu akupitirira pa mlingo umenewu, inu mwamwambo simunayeneretsedwa kaamba ka mapindu a kulemala.

Zopereka Zapadera: Mwana Wachikulire Wolumala Amapindula

Chosiyana kwambiri ndi malamulo a SSDI ndi programu ya Children Children (DAC). Mwana Wamkulu Wolemala amalola munthu wina amene analemala asanakwanitse zaka 22 kuti atenge mapindu a SSDI ozikidwa pa mbiri ya ntchito ya kholo, osati yawoyawo, ndipo kholo liyenera kukhala likulandira chithandizo cha Social Security kapena mapindu a kulemala, kapena liyenera kukhala litamwalira. Makonzedwe ameneŵa ali ofunika kwambiri kwa anthu amene ali ndi vuto la kukula kapena mikhalidwe imene inawalepheretsa kukonza mbiri yawo ya ntchito.

Kusamalira Amisinkhu Yovomerezedwa ndi SSDI

Ukalamba umathandiza kwambiri pa kugamulapo kwa kulumala, makamaka kwa antchito achikulire. Malamulo a SSA' Grid amachititsa kuti munthu ayambe kudalira kwambiri zaka posankha ngati angazolowere ntchito ina, ndipo ofunsira amene ali ndi zaka 55 ndi achikulire omwe ali ndi maphunziro ochepa ndiponso ntchito yochepa angapezeke kuti sangathe kusintha n’kuyamba ntchito. Kuzindikira kumeneku kukusonyeza kuti anthu okalamba amakumana ndi mavuto aakulu potengera mitundu yatsopano ya ntchito kungachititse kuti avomereze zimene achinyamata angakane nazo.

Kupeza Chisungiko Chowonjezereka (SSI)

Ngakhale kuti nthaŵi zambiri amasokonezeka ndi Social Security Disability Infication, Security Infication ili programu yosiyana ndi njira zosiyanasiyana zopezera ndalama. Mosiyana ndi SSI, imene imafunikira, SSDI imagwirizanitsidwa ndi mbiri yanu ya ntchito. SSI imapereka chithandizo cha ndalama kwa okalamba, akhungu, ndi opunduka amene ali ndi ndalama zochepa ndi chuma, mosasamala kanthu za mbiri yawo ya ntchito.

Kwa 2026, Security Indomel Federal Benefied Rate iri $994 pamwezi kaamba ka munthu woyenerera ndi $1,491 pamwezi kaamba ka okwatirana oyenerera.

Medicare: Malo Osamalira Aukalamba ndi Opunduka

Medicare ndi imodzi ya mainshuwalansi a zaumoyo a anthu a zaka 65 ndi kuposa, komanso achinyamata ena amene ali ndi ulema. Madicare ndi mapulogalamu a inshuwalansi ya zaumoyo ya boma makamaka kwa anthu a zaka 65 ndi kuposapo, pamene Medicaid ndi pulogalamu ya boma yogwirizana ya anthu a m’dziko lochepa olandira. Kumvetsa mbali zosiyanasiyana za Amedicare ndi mmene amagwirira ntchito pamodzi nkofunika kuti muwonjeze za thanzi lanu.

Medicare Gawo A: Inshuwalansi ya Chipatala

Medicare Part A zikuto za odwala, chisamaliro chaluso cha odwazika, chisamaliro cha odwala, ndi mautumiki ena a zachipatala. Anthu ambiri samalipira ndalama kaamba ka Medicare Part A ngati ali ndi mbiri yokwanira ya ntchito. Komabe, padakali ndalama zofunikira kulingaliridwa, kuphatikizapo ndalama zopimira ndi ndalama zopimira kaamba ka kukhala m’chipatala chotalikirapo.

Parte A chipatala chodwazika matenda chikukwaniritsa mbali za olandira olandira pa masiku 60 oyambirira a Medicare osungidwa m'chipatala panthaŵi yopindulitsa, ndipo mu 2026, olandira ndalama za kampani ayenera kulipira ndalama zokwanira $434 patsiku kwa 61 mpaka 90 patsiku la kugonekedwa kuchipatala. Kwa odziŵa bwino ntchito yosamalira odwala, ndalama za tsiku ndi tsiku za masiku 21 mpaka 100 za mautumiki owonjezera othandizira anthu pa nthaŵi ya phindu adzakhala $2,00 mu 2026.

Mbali B: Inshuwalansi ya Zamankhwala

Gawo B likuphatikizapo mautumiki a madokotala, chisamaliro cha odwala, mautumiki otetezera, ndi ziŵiya zokhalitsa. Mosiyana ndi Part A, opindula ambiri amalipira ndalama za mwezi ndi mwezi za Parting B. Ndalama za mwezi ndi mwezi za Medicara Part B Olembetes zidzakhala $202.90 pa 2026, kuwonjezeka kwa $17.90 kuchokera pa $185.00 mu 2025. Kuwonjezerapo, ndalama za pachaka zochepetsedwa zonse za Medicaras Part B Livision zidzakhala $83 mu 2026, chiwonjezeko cha $662222 pa chaka ndi 2025.

Mapindu a ndalama zapamwamba amalipira ndalama zowonjezereka kudzera mu Inoned Monthly Selting Aults (IRMAA). Malo otsalawa amagwira ntchito ku mbali zonse ziŵiri B ndi Gawo D. Mapilo ogwirizana ndi kusintha kwa ndalama zimene munapeza zaka ziwiri m’mbuyomo.

Medicara Gawo C: Kuposa kwa Adacia Ndiko Kupindulitsa

Makonzedwe a mapindu, odziŵikanso monga Part C, amaperekedwa ndi makampani a inshuwalansi aumwini ovomerezedwa ndi Medicare . Makonzedwe ameneŵa amaphatikiza Par A ndi Part B persessers ndipo kaŵirikaŵiri amaphatikizapo mapindu ena monga kulembedwa kwa mankhwala, mano, maso, ndi mautumiki akumva. Makonzedwe a Medicare amakhazikitsa ndalama zawozawo, zopimira, ndi zolipirira, zimene zingasiyane kwambiri ndi Exrial Medicare.

Mbali D: Kutsekeredwa kwa Mankhwala Ogodomalitsa

Gawo D limapereka mankhwala ovomerezeka kwa makampani a inshuwalansi. Ngakhale kuti pali , Gawo D likhoza kupezeka kwa aliyense amene ali ndi Medicare . Masinthidwe aposachedwapa apangitsa kuti chigawo cha D chikhale chokwanira kwa anthu ambiri opindula. Pamodzi D idzayambitsa chipewa cha pachaka cha $2,100 cha pachaka cha mankhwala ovomerezeka, kupereka khoka la chitetezo kwa anthu amene akuyang'anizana ndi mankhwala odula kwambiri.

Kusunga ndalama zambiri kukubweranso kudzera m'programu ya mankhwala osokoneza bongo ya Medicare . Ndalamazo zikuyembekezeredwa kuchepetsa ndalama zowonongedwa za olandira ndi ndalama zokwana $1.5 biliyoni mu 2026, ndipo ngati mitengo yotsika ikanakhala mu 2023, Medicare ikanasunga pafupifupi $6 biliyoni.

2026 Mankhwala Atsopano ndi Kusintha

Masinthidwe ofunika angapo ku Medicare anayamba kugwira ntchito mu 2026. Malamulo atsopano amene anayamba kugwira ntchito pa January 1, 2026, amafuna kuti Medicare ndi Medicas apeze mapindu, monga CMS Internoerability ndi Ofice Regansivement Launiversed akonzetse vuto la kukhazikitsa chilolezo mwa kukakamiza makonzedwe a kugwiritsa ntchito mofulumira, mowonekera kwambiri ndi mogwiritsira ntchito magetsi.

Anthu amene amapindula ndi mankhwala ochepetsa thupi, njira zatsopano zowaperekera zikupezeka. Makonzedwe a Medicare Part D amene akuyenerera kulembetsa adzawona mankhwala opatsa mphamvu a GLP-1-los omwe alipo pa $50 pa mwezi, ndi mankhwala odziwitsa Mounjaro, Ozempic , Wegovy ndi Zepgull komanso pirill ya Wegovy yomwe ikuyembekezera kulembedwa, ngakhale kuti mankhwalawa sayamba kulembedwa mpaka July 2026.

Mdicaid: Thanzi Lokhala ndi Mabanja ndi Anthu Otsika

Medicaid amapereka inshuwalansi ya zaumoyo kwa anthu olandira ndalama zochepa ndi mabanja, kugwira ntchito monga mgwirizano pakati pa maboma a boma ndi boma. Medicaid ndi programu ya boma yogwirizana imene imapatsa inshuwalansi ya zaumoyo kwa anthu opeza ndalama zochepa ndi chuma, ndipo maboma amapatsidwa ufulu wa kuyendetsa programuyo m’zitsogozo za boma, kotero kuti malamulo operekera ndi mtengo zingasiyane kuchokera ku boma limodzi kupita ku lina.

Kupulupudza

Kukhoza kwa Medicaid kwakukulukulu kumazikidwa pa ndalama zopezedwa, ndi maboma ambiri kugwiritsira ntchito mlingo wa umphaŵi wa boma monga chizindikiro. Mwachisawawa, anthu okhala ndi mlingo wa ndalama pa 138% kapena pamlingo wochepera pa 2026 wa umphaŵi wa boma amayenerera kukhala Medicaid, ndipo mu 2026, ichi chimatanthauza kuti anthu amene amapanga ndalama zochepera $2,025 pachaka adzayeneretsedwa m’maiko ambiri, ngakhale kuti Alaska ndi Hawaii ali ndi magendo oyeneretsedwa osiyana.

Medicaid akuthandiza anthu osiyanasiyana, kuphatikizapo achikulire, ana, akazi oyembekezera, achikulire, ndi anthu olumala. Pulogalamuyi imapereka nkhani zambiri zimene zimaposa zimene Medicaid amapereka. Mabukuwa akuphatikizapo zinthu zina kuposa zimene amathandiza pansi pa dziko la Medicare, kuphatikizapo kusamalira odwala kupyola pa masiku 100 kapena malo osamalira odwala aluso amene Medicare, mankhwala opatsa mankhwala, magalasi, ndi zothandizira kumva.

Kusiyana Koyenera: Medicare ndi Mdisiki Zili Pamodzi

Anthu ambiri amayenerera zonse ziŵiri Medicare ndi Medicaid, odziŵika kukhala "oyenerera". Medicaid akupereka nkhani zaumoyo kwa anthu ochepera 7.2 miliyoni omwe alinso olembetsedwa ku Medicare ndi anthu 4.8 miliyoni olumala omwe alembetsedwa ku Medicare, ndi anthu 12 miliyoni okhala oyenerera ndi olembetsedwa m’maprogramu onse aŵiriwo.

Kwa anthu aŵiri opindula, maprogramu aŵiriwa amagwira ntchito pamodzi kuti apereke mfundo zambiri. Mukachezera wopereka ndalama zimene zimatenga Medicare ndi Medicaid, Medicarea choyamba amalipira ndalama za chisamaliro chanu, ndipo Medicaid amalipira yachiŵiri, ndalama zophikira ndalama zothandizira anthu amene sanawonongedwe. Kugwirizana kumeneku kungachepetse kwambiri mtengo wa anthu achikulire opeza ndalama zochepa ndi opunduka.

Maprogramu Opulumutsa Amankhwala

Maprogramu Osungira a Medicare amathandiza zochepera zolandira Medicare kulipira kaamba ka ndalama za Medicare, zopimira, ndi ndalama za siliva. Olandira ena aŵiri angayenerere kaamba ka thandizo kulipira Medicare zikhumbo kupyolera ku programu ya Medicare Savitings, imene ikufuna kuthandiza anthu otsika kubweretsa ndalama pa zowonongedwa zogwirizana ndi Medicare, ndi programu iriyonse yokhala ndi malire a ndalama zosiyana ndi ziŵiya.

Programu ya Chithandizo cha Zakudya Zowonjezera (SNAP)

SNAP ndi pulogalamu yaikulu kwambiri ya boma yothandiza anthu a ku America mwezi uliwonse. Programmeyi imapereka mapindu a mwezi uliwonse pa khadi la Electronic Republic Reference Transrection (EBT) limene lingagwiritsiridwe ntchito ndi ogulitsa zakudya ololedwa kugula zakudya.

SADZAKHALA WOSAVUTA

KUSPASIKA kumachokera pa ndalama zopezedwa panyumba, chuma, ndi zowonongedwa zina. Mofala, mabanja ayenera kukwaniritsa zonse ziŵiri ndalama zopezedwa ndi ndalama za khonde, zimene zimayendera limodzi ndi mlingo wa umphaŵi wa boma. Mlingo wa SNAP wopindulitsa banja umadalira pa ukulu wa banja, ndalama, ndi kuchepetsa ndalama zowonongedwa monga nyumba ndi kusamalira ana.

PULOGA ya pulogalamu imeneyi siiphatikizapo zakumwa, fodya, zakudya zotentha, monga zipatso, ndiwo zamasamba, nyama, mkaka, mkate, dzinthu, ndi mbewu zimene zimatulutsa chakudya.

MALO OSOSOLA Apadera

Anthu ena amapatsidwa chisamaliro chapadera ndi malamulo a SNAP. Okalamba (azaka 60 ndi kuposerapo) ndi opunduka angayenerere kupeza ndalama zowonjezereka ndi kuchepetsa ndalama zowonjezereka.

Ophunzira, achikulire okhoza kumwalira popanda odalira pa iwo, ndi osamukira kumaiko ena amayang’anizana ndi ziyeneretso zowonjezereka zoyenerera. Kumvetsetsa malamulo apadera ameneŵa nkofunika posankha ngati inu kapena ziŵalo za banja lanu muyeneretsedwa kaamba ka chithandizo.

Programu za Thandizo la Kunyumba

Maprogramu a chithandizo cha boma a kuthandiza mabanja opeza ndalama zochepa, okalamba, ndi anthu olumala ali ndi nyumba zabwino ndiponso zotetezeka. Maprogramu ameneŵa amayendetsedwa ndi Dipatimenti ya Home ndi Urban Development (HUD) ndi mabungwe a boma a m’dzikolo.

Chigawo 8 Ntchito Yosankha Nyumba

Chigawo Chosankha Nyumba Voucher Program, chofala kutchedwa Chigawo 8, ndi programu yaikulu ya boma yothandizira mabanja opeza ndalama zochepa kwambiri, okalamba, ndi anthu opunduka kuti apeze nyumba m'misika yaumwini. Otengamo mbali kwenikweni amalipira 30% ya ndalama zawo za mwezi ndi mwezi zosinthanizika ku lendi ndi ziwiya, ndi wotsimikizira kulinganiza kwa muyezo woikidwa ndi bungwe lakwawo la nyumba.

Malo osungiramo zinthu onyamulika, amatanthauza kuti mabanja angawagwiritsire ntchito kulikonse ku United States kumene mwininyumba angalandire Chigawo 8 cha zikalata zotsimikizira.

Nyumba za Onse

Nyumba za boma zimapereka nyumba za lendi zabwino ndi zotetezereka kwa mabanja oyenerera olandira ndalama zochepa, okalamba, ndi anthu opunduka. Nyumba za anthu onse zimabwera m'magulu osiyanasiyana ndi mitundu, kuchokera ku nyumba za banja limodzi kufikira nyumba zapamwamba za mabanja okalamba. Mabungwe a nyumba za kumaloko amayang'anira ntchito za anthu onse ndi kugamula kulephera kwa kudalira pa malire a ndalama okhazikitsidwa ndi Hud.

Chithandizo cha Matsinde cha Projekiti

Maprogramu a chithandizo cha lendi amapereka nyumba zokhoza kugulitsidwa mwa kukonza lendi m'manyumba kapena zitukuko. Mosiyana ndi nyumba Zosankhika Vouchers, chithandizocho chimagwirizanitsidwa ndi gululo mmalo mwa lainjini. Ngati wogwira ntchitoyo asamuka, satha kutenga malo amodzi, koma banja lina loyenerera lingapite ku chigawo chaling'ono.

Thandizo Lokanthaŵi la Mabanja Osoŵa (TANF)

Thandizo la Kanthaŵi kamodzi la Mabanja Ofunikira amapereka chithandizo cha ndalama ndi mautumiki ochirikiza kuthandiza mabanja olandira ndalama zochepa okhala ndi ana kukhala ndi kulephera kwa iwo eni. ATANF ndi programu yopatsa, kutanthauza boma la boma limapereka ndalama ku maboma, amene amapanga ndi kugwiritsa ntchito maprogramu awo m’zitsogozo za boma.

ATANF Zolinga ndi Ntchito Zomwe Akugwira

TANF iri ndi zifuno zinayi zazikulu: kupereka chithandizo ku mabanja osoŵa kotero kuti ana angasamaliridwe m’nyumba zawo, kuchepetsa kudalirana mwa kupititsa patsogolo kukonzekera ntchito ndi ntchito, kuletsa mimba zokhala ndi ubwamuna, ndi kulimbikitsa kupangidwa ndi kukonzedwa kwa mabanja aŵiri olera. Maboma amagwiritsira ntchito ndalama za TANF kupereka chithandizo cha ndalama, chithandizo cha ana, maphunziro a ntchito, kuchirikiza ntchito, ndi ntchito zina zolinganizidwa kuthandiza mabanja kukhala odzidalira okha.

Zofunika Kugwira Ntchito ndi Malire a Nthaŵi

Olandira ambiri a tanF afunikira kuchita ntchito, zimene zingaphatikizepo ntchito, kufunafuna ntchito, maphunziro a ntchito, kapena ntchito ya m'mudzi. Malamulo a Federal amakhazikitsa malire a moyo wa 60 wa mwezi pa chithandizo choyendetsedwa ndi boma, ngakhale kuti maboma angachotse 20% ya makampani onyamula mlandu wawo pamlingo umenewu ndipo angagwiritsire ntchito ndalama za boma kupereka chithandizo pa miyezi 60.

Ntchito ya Akazi, Ana, ndi Ana (Wic)

Bungwe la Special Conteration Program ya Akazi, Ana, ndi Ana (Wic) limapereka ndalama ku maboma kaamba ka zakudya zowonjezera, mahertalio, ndi maphunziro a chakudya cha thanzi kaamba ka mimba yocheperapo, kuyamwitsa bere, ndi akazi obereka, ndi kwa makanda ndi ana omwe ali pangozi ya kudya.

MAPINDU AKULU ndi Mautumiki

WIC imapatsa anthu chakudya chopatsa thanzi, monga makanda, mkaka, tchizi, mazira, botolo, botolo louma, nyemba, zipatso, ndi ndiwo zamasamba. Programuyi imaperekanso maphunziro a chakudya ndi uphungu, kuyamwitsa bere, ndi ma achereral ku zaumoyo ndi mautumiki a anthu.

WiC si pulogalamu yololeza, kutanthauza kuti Congress saika ndalama zothandizira munthu aliyense woyenerera kutengamo mbali. M’malo mwake, WiC ndi pulogalamu yovomerezeka ndi boma imene imapereka chilolezo cha ndalama zoyendetsera ntchito chaka chilichonse. Ngati chiŵerengero cha anthu oyenerera chiposa mphamvu ya pulogalamuyo, njira yoyamba imagwiritsidwa ntchito pothandiza anthu amene ali pangozi yaikulu ya chakudya.

Inshuwalansi ya Ulova

Inshuwalansi ya ulova imathandizira kanthaŵi kamodzi antchito amene amataya ntchito zawo popanda kulakwa kwawo. Programuyi ndi mgwirizano wa boma, ndipo maboma amayendetsa maprogramu awo pansi pa zitsogozo za boma. Ogwira ntchito amalipira m'dongosololo mwa kukhoma misonkho, ndipo mabwana amaperekanso zothandizira.

Kulephera Kusintha Zinthu Ndiponso Mapindu Ake

Kuti ayenerere mapindu a ulova, antchito ayenera kukwaniritsa zofunika za boma ponena za mbiri yawo ya ntchito ndi malipiro. Mwachisawawa, muyenera kukhala mutagwira ntchito kwa nyengo yakutiyakuti ndipo munalandira ndalama zochepa mkati mwa "nyengo yotsika" musanakhale malova. Muyeneranso kukhala wokhoza ndi wopezeka kugwira ntchito ndi kufunafuna ntchito mokangalika.

Mapindu a ndalama ndi utali wa nthaŵi yake amasiyanasiyana malinga ndi malipiro anu akale. Maboma ambiri amapereka mapindu a milungu 26, ngakhale kuti zimenezi zingafutukulidwe pa nthaŵi za ulova wokulira. Olandira ayenera kupitirizabe kukwaniritsa zofunika za kuchuluka, kuphatikizapo kusimba ntchito zofufuza ndi kulandira ntchito yoyenera.

Anthu Odya Njuchi Amapindula

Department of Veterans Affairs (VA) imapereka mapindu ambiri kwa ozoloŵera ndi mabanja awo, kuphatikizapo chisamaliro chaumoyo, malipiro a kupunduka, maphunziro ndi kuphunzitsidwa, ngongole zapanyumba, inshuwalansi ya moyo, ndi mapindu a kuikidwa. Kusintha kumasiyana malinga ndi zinthu zonga utali wa utumiki, malo a kupuma, kulemera, ndi ndalama zimene amapeza.

Kusamalira Thanzi

MAUKIRO a zaumoyo akupereka chithandizo chamankhwala chokwanira kwa anthu oyenerera kuchipatala cha Va, zipatala zopitira kuchipatala, ndi osamalira anthu a m'deralo. Choyambirira cha Vasing'onong'ono chachokera pa zinthu monga kupunduka kwa ntchito, ndalama zoyendetsera ntchito, ndi zinthu zina zapadera. Anthu ena amene anazoloŵera ntchitoyi amalandira chithandizo chaulere, pamene ena angafunikire kuti apereke ndalama zothandizira pa ndalama zawo.

Kulephera

Malipiro a kupunduka a Va akupereka ndalama za msonkho mwezi uliwonse kwa anthu amene anazoloŵera ntchito yawo yausilikali. Ndalamazo zimadalira pa ukulu wa kupunduka, kuchokera pa 0% mpaka 100% pa ndalama 10%. Odwala okhala ndi malemala owonjezereka amalandira ndalama zolipiridwa mwezi uliwonse, ndipo kulinso malipiro ena kwa anthu amene anazoloŵerapo okhala ndi odalira pa ulema kapena opunduka kwambiri.

Maphunziro Amapindulitsa

GI Bill ndi maprogramu ena a maphunziro a VA amathandiza ozoloŵera, ziŵalo za utumiki, ndi mabanja awo kulipirira kaamba ka koleji, maphunziro a ntchito, ndi maprogramu ena a maphunziro. Post-9 / 11 GI Bill, phindu la maphunziro owonjezereka koposa, ingapereke ndalama zokwanira za maphunziro a ku madera akum’mwera pa koleji ya onse, kupereka malo ogona a mwezi ndi mwezi, ndi mabuku otetezera ndi katundu.

Mphoto Yolandira Msonkho (EITC)

Inichough Inhood Trust Treasure ndi ngongole ya msonkho wokwana pa ndalama zochepa za antchito ndi mabanja. EITC imachepetsa ndalama za msonkho zimene zili ndi ngongole ndipo ingachititse kubweza, ngakhale ngati simunakongoze msonkho. Ndalama ya ngongoleyo imadalira pa ndalama zimene mumalandira, malo ake, ndi chiŵerengero cha ana oyenerera.

KUSIYANA NDI MAPINDU

Kuti muyenerere EITC, muyenera kukhala ndi malipiro a ntchito kapena ntchito yaumwini, kukwaniritsa malipiro ena, ndi kukwaniritsa zofunika zina. Antchito opanda ana angayenerere kaamba ka ngongole yochepa. EITC yalinganizidwira kuwonjezera malipiro a antchito opeza ndalama zochepa ndi kulimbikitsa ntchito.

Thandizo lake nlofunika, ndipo limatanthauza kuti ngati ngongoleyo yapitirira unyinji wa misonkho imene wasonkha, wokhometsa msonkhoyo amapatsidwa ndalama zolipirira.

Msonkho wa Ana ndi Msonkho wa Ana

Child Taxix Creat Treasurer imapereka ngongole kwa mwana aliyense amene asanafike zaka 17. Ndalama za ngongole zimayendera ndalama zambiri. Komiti yowonjezera ya Ana ya Msonkho ndi mbali ya Nkhokwe ya Ana ya Msonkho wa Ana, yomwe ilipo kwa mabanja amene sayenera kukhoma msonkho wokwanira kuti alandire ngongole.

Kuyenera Kupatsidwa Msonkho kwa Ana

Kuti mwanayo anene kuti ndi Child Tax Crill Crifice, mwanayo ayenera kukumana ndi ziyeso zingapo, monga ubale, msinkhu, malo okhala, kuchirikiza, ndi kudalirana. Mwana ayenera kukhala mwana wanu wamwamuna, mwana wanu, mwana wanu, wolera, mbale, mlongo, mchimwene wolera, mchimwene, mchimwene wa m’makwerero, kapena mbadwa ya chilichonse cha zimenezi. Mwanayo ayenera kukhala ndi zaka zosafika 17 pa chaka cha msonkho ndipo ayenera kukhala ndi inu kwa theka la chaka.

Ntchito Yothandiza Magetsi a Panyumba (LIHEAP)

SOMPHENYA NDALAMA zimathandizira mabanja opeza ndalama zochepa kulipira ndalama zotenthetsera ndi kuziziritsira, komanso zimathandiza pa nthawi ya ngozi zamagetsi. pulogalamuyi imayendetsedwa ndi ndalama zoyendetsera ntchito yawo pa makampani a boma.

Ntchito Zothandiza Anthu Odwala

NDALAMA zingathandize kutentha ndi kuziziritsa, kugwiritsa ntchito mphamvu, kukonza zinthu zamagetsi komanso kukonza zinthu zapanyumba. Kulephera kugwiritsa ntchito ndalama kumadalira ndalama zimene anthu amapeza, ndipo kugwiritsa ntchito ndalama zambiri ndi ndalama zochepa kwambiri komanso zofunika kwambiri, makamaka zimene zili ndi ana, okalamba, kapena anthu olumala.

Kugwiritsira Ntchito Mapindu: Kulingalira Kofunika

Kuti muthe kuyendetsa bwino ntchito yanu, muyenera kudziwa mmene mungagwiritsire ntchito mfundozo, kusonkhanitsa zikalata zofunika, ndiponso kukhalabe odziwa zoyenera ndi udindo wanu monga wolandira mphoto.

Zofunika Kulemba

Maprogramu ambiri a anthu amafuna mapepala ambiri kuti atsimikizire kuti ndi olondola. Makalata ofala amaphatikizapo umboni wa chizindikiritso (laisensi ya mchenga, pasipoti, chikalata cha kubadwa), manambala a Social Security ya ziŵalo zonse za banja, chitsimikizo cha ndalama (malipiro, zobwezedwa, zopindulira zopindulira), umboni wa chuma (mawu a m'banki, maakaunti a zoikizira ndalama), ndi umboni wa zowonongedwa (malisiti a magetsi, ndalama za mankhwala, zikalata za mankhwala).

Kusonkhanitsa mapepalawa musanayambe kufunsira kungakupangitsani kuti muyambe ntchitoyo ndi kuchepetsa kuchedwa. Sungani makope a zikalata zonse zimene mumatumiza, ndi kusungabe mafaelo a makalata ndi oyang’anira pulogalamu.

Mmene Mungagwiritsire Ntchito Njira Zotsatira

Makonzedwe a Social Security ndi Medicare angamalizidwe pa Intaneti pa www.ssa.gov , pa foni, kapena pa munthu pa ofesi ya Social Security. Mafomu a bungwe la Medicaid amaperekedwa kudzera mwa mabungwe a boma kapena bungwe la Health Inshuwalansi Msika. Mafomu a SNAP amakonzedwa ndi boma kapena mabungwe akomwe, ndipo nthawi zambiri amapangidwa ndi njira zofunsira zogwiritsa ntchito pa Intaneti.

Maprogramu ambiri ali ndi nthaŵi yeniyeni yolembetsa. Medicare ali ndi nyengo zoyambirira za Kulembetsa, Nthaŵi za Chaka ndi Chaka za Kulembetsa, ndi Nthaŵi Yapadera ya Kulembetsa. Kumvetsetsa nthaŵi zimenezi nkofunika kwambiri kuti mupeŵe kulephera kumaliza kulembetsa kapena chilango chapambuyo pake.

Kupempha ndi Kulankhula Momasuka

Ngati mukana kufunsira kwanu kapena ngati simukugwirizana ndi kutsimikiza kopindulitsa, muli ndi kuyenera kwa kukopa. Programu iliyonse ili ndi njira yake yokopa ndi madeti a nthaŵi ndi njira. Kaŵirikaŵiri, muyenera kulemba apilo yanu patapita masiku angapo pambuyo pa kulandira chidziŵitso chokana.

Njira yopimira imaphatikizapo mlingo wochuluka, kuyambira ndi kupendanso kapena mwamwaŵi, kupita patsogolo ku mlandu pamaso pa woweruza walamulo, ndipo mwinamwake kupitiriza ku khoti la boma. Kukhala ndi mapepala ochirikiza mlandu wanu ndi kumvetsetsa zifukwa zenizeni zokanira kuli kofunika kwambiri kuti apindulitse mwachipambano.

Kusimba za Kusintha kwa Zinthu

Maprogramu ambiri amafuna kuti munene masinthidwe a mikhalidwe imene ingayambukire kuchuluka kwa ndalama zanu kapena phindu. Masinthidwe oyenera akuphatikizapo kusintha kwa ndalama zimene mumalandira, kulemba za m’nyumba, adiresi, malo a ntchito, kapena chuma. Kulephera kusimba kusintha kwa ntchito kungatuluke ndi malipiro opambanitsa amene mudzafunikira kulipirira, kapena malipiro osapindulitsa amene amakusiyani popanda kuyenerera kulandira.

Kudziteteza Kuchinyengo ndi Machenjera

N’zomvetsa chisoni kuti anthu amene amachita zachinyengo nthawi zambiri amabera anzawo amene akufuna kapena amene akulandira phindu la boma.

Kusocheretsedwa kwa Chisungiko Kofala

Makampani a Social Security ali aulere, ndipo palibe bungwe la boma kapena kampani yotchuka limene lidzakupemphani kuti mupereke zinthu zoyendetsera mawaya kapena makadi a mphatso, choncho muyenera kupeŵa kugwera m’mafoni achinyengo ndi njira za pa intaneti yopezera chithandizo mwa kusavumbula chidziŵitso chaumwini, kusankha magwirizanitso anjiru, kapena kutsegula ziphaso zanjiru.

Akuba anganene kuti nambala yanu ya Social Security yaletsedwa, kuti muli ndi ngongole ku Social Security Administration, kapena kuti mufunikira kutsimikizira chidziŵitso chanu kuti mupitirize kulandira mapindu. Kumbukirani kuti Social Security Administration sidzakuwopsezani, sikudzafuna malipiro a mwamsanga, kapena kufuna kulipiridwa ndi khadi la mphatso, khadi lapansi ya chiŵalo, kapena kutumiza mawaya.

Chinyengo cha Medicare ndi Chidetso

Mapeto a Amecare ndi Medicaid angatenge mitundu yambiri, kuphatikizapo kuba zikalata za mautumiki, kupereka mautumiki osafunikira, ndi kuipitsa mautumiki operekedwa. Tetezani manambala a Medicare ndi Medicaid monga momwe mungafunire manambala a makhadi anu a ngongole. Ikani chikayikiro cha aliyense wopereka ziŵiya zaulere kapena mautumiki posinthanitsa ndi nambala yanu ya Medicaid.

Ganizirani Chidutswa cha Zinsinsi ndi Mawu a Mapindu. Ngati muona ndalama za ntchito zimene simunalandire kapena malo operekera zinthu zimene simunapiteko, dziŵitsani za chinyengo cha programuyo mwamsanga.

Kuteteza Chidziŵitso Chanu

Musapereke nambala yanu ya Social Security, Medicare, kapena chidziŵitso china chaumwini kwa munthu wina amene mukulankhula naye wosapemphedwa. Mabungwe a boma ololedwa sadzaimbira foni, email, kapena meseji kulemberana ndi foni . Ngati simukutsimikizira kuti malowo ali ovomerezeka, ikani ndi kuimbira foni mwachindunji pogwiritsa ntchito nambala ya foni imene muipezayo payokha, osati yoperekedwa ndi woiitanayo.

Mapindu Atsopano a Msonkho kwa Agogo Mu 2026

Kuchepetsa msonkho kwa anthu a zaka 65 ndi kupitirirapo kungachepetse kapena kuchepetsa kwambiri misonkho ya ndalama zimene anthu mamiliyoni ambiri achikulire a ku America amapeza pa zachitetezo cha Umoyo wa Anthu mu 2026, pamene ndalama zolipiridwa za msonkho zichepetsedwa ndi madola 6,000 oyenerera kulipira msonkho.

Opanga mafashoni a munthu mmodzi ndi mmodzi amene ali ndi ndalama zosinthidwa zofikira $75,000 kapena okwatirana ogwirizana pamodzi ndi MAGI ya $150,000 ya $160,000, pamene kuli kwakuti anthu okhala ndi ndalama zokwana $175,000 pa mafaelo amodzi kapena $25,000 kwa okwatirana angapereke ndalama zochepetsedwa. Oikizidwa ameneŵa a kanthaŵi kamodzi m’chaka cha msonkho cha 2028 ndipo angapereke ndalama za msonkho zochuluka kwa achikulire oyenerera.

Kukonzekera za M’tsogolo: Kuchepetsa Mapindu Anu

Kukonzekera bwino kungakuthandizeni kuwonjezera mapindu amene mungalandire m’maprogramu a zachisangalalo m’moyo wanu wonse.

Mapindu Ochuluka

Anthu ambiri amayeneretsedwa kaamba ka maprogramu ambiri panthaŵi imodzi. Kumvetsetsa mmene maprogramu amagwirira ntchito kungakuthandizeni kuwonjezera mapindu onse. Mwachitsanzo, kulandira mapindu a SNAP sikumakuletsani kulandira Social Security, ndipo kulembetsedwa ku Medicare sikumakulepheretsani ku Medicaid ngati mufikitsa zofunika za ndalama.

Mapindu ena angayambukire ena. Mwachitsanzo, mitundu ina ya ndalama ya malipiro ingaŵerengere ku malire a kuchuluka kwa maprogramu opimira. Kugwira ntchito ndi phungu wopindulitsa kapena wogwira ntchito ya mayanjano kungakuthandizeni kumvetsetsa kuyanjana kumeneku ndi kupanga zosankha zodziŵitsidwa.

Maluso Olinganiza Zinthu Anthaŵi Yaitali

Ngati mukuyembekezera kukhala ndi moyo wautali, ganizirani mosamala njira zimene mungagwiritsire ntchito podzinenera kuti mupeza ndalama mwamsanga, kudikira kungabweretse mapindu ambiri a moyo wanu, makamaka ngati muli ndi moyo wautali.

Kwa Medicare, pendani njira zanu zoperekera pepala pa chaka pa nyengo ya Chaka ndi chaka ya Kulembetsa. Kusamalira kwanu kumafunikira ndi kusintha kwa makonzedwe amene alipo, ndipo kusintha mapulani kungatulukepo kuwonjezera kapena kutsika mtengo. Yerekezerani ndi mapulani a Medicare, mapulani a Medicare Enernal, ndi Medicare kuti mupeze kuyenerera kwa mkhalidwe wanu.

Kukhalabe Wodziŵa

Maprogramu a chikhalidwe cha anthu amasintha kaŵirikaŵiri kudzera m'malamulo, malamulo, ndi malamulo. Kukhalabe wodziwa za kusintha kumene kumakupindulitsani n’kofunika kwambiri. Chongani akhawunti ya zachitetezo cha anthu [[FLT: 0] kuti mupeze ndalama zimene mumalandira, phindu, ndi mapepala ofunika pa Intaneti. Sainani kuti mukonze mameseji kuchokera ku bungwe la Social Security Administration, Medicare, ndi mapulogalamu ena amene mumachita nawo.

Gwiritsani ntchito mawebusaiti a boma kaamba ka molondola, kufika ku chidziŵitso chamakono. Social Security Administration ( www.sa.gov ), Medicare (.mecare.v , ndi Mapindulo.gov ([FLT: 4.] Website.befits.vv) imapereka chidziŵitso chokwanira ponena za kukopeka, mapindu, ndi ntchito.

Kufunafuna Thandizo la Akatswiri

Maofesi a zachitetezo a boma amathandiza kwaulere ndi mafunso a zachitetezo. State Health Inshuwalansi Assionation Programs (Njinga) imapereka uphungu waulere, wosakondera. Mabungwe a zaufulu angathandize kukopa ndi nkhani zovuta.

Ngakhale kuti akatswiri ena, monga maloya a boma kapena anthu okonza za ndalama, amalipira ndalama zoyendetsera ntchito zawo, simuyenera kulipira munthu wina kuti akuthandizeni kufunsira thandizo la Social Security kapena la Medicare, chifukwa mautumiki ameneŵa amaperekedwa kwaulere ndi bungwe la Social Security Administration.

Ziŵiya Zodziŵira Nkhani Zina

Pali zinthu zambiri zimene zingakuthandizeni kumvetsa ndi kugwiritsa ntchito njira zothandizira anthu:

Sacial Security Administration : Ulendo wa www.ssav .gov kapena kutcha 1-080-77.1213 (TTY 1-325-025-078) kaamba ka chidziŵitso chonena za kupuma pantchito kwa chitetezo cha anthu, kupumula, ndi mapindu opulumuka, limodzinso ndi Medicare.

Medicare : Ulendo wa pa www.metaire.gov kapena kutchula 1-800-MEDICARE (1-08-633-427, TTT 1-86-1988) kaamba ka chidziŵitso chonena za kukwaniritsa Medicarea, mtengo, ndi Krea.

[[FLT :0] . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

[[FLT: 0] AP: [[FLT :1] Pezani boma lanu kapena ofesi yakwanu ya SNAP kuti mufunsire phindu. Pezani ofesi yanu yakwanu pa www.FLT:2].fns.usda.gov/snap/state-director .

Benefit .gov: Webusaiti iyi imapereka chiŵiya chopezera phindu chimene chimakuthandizani kusiyanitsa maprogramu amene mukhoza kuyenerera malinga ndi mikhalidwe yanu.

State Health Insolation Programs (Njira za Ufulu wa Zaumoyo): Maprogramu ameneŵa amapereka uphungu waulere wa Medicare. Pezani gulu lanu lakumeneko pa www.pt.org kapena mwa kuimbira 1 8877 839-2675.

Ndalama zosamalira: [[FLT :1] Pezani 1-800-117-1116 kapena Pitani pa www.elestrate.acl.gov kuti mupeze zipangizo zakumaloko za achikulire, kuphatikizapo uphungu wa mapindu, chithandizo cha lamulo, ndi mautumiki ochirikiza.

Kumaliza

Maprogramu a mayanjano amathandiza kwambiri anthu mamiliyoni ambiri a ku America kupyola pa ntchito yapantchito, kupumula, matenda, ulova, ndi mavuto ena. Kumvetsetsa maprogramu ameneŵa [1] kuphatikizapo Social Security, Medicare, Medicaid, SNAP, chithandizo cha nyumba, ndi zinthu zina zambiri zimene mumachita kuti mupeze mapindu amene mwapeza kapena kuyenerera malinga ndi mikhalidwe yanu.

Kudziŵa za kusintha kumeneku, kumvetsetsa ufulu wanu ndi udindo wanu, kukonza zolembedwa zolondola, ndiponso kufunafuna thandizo pa nthawi imene kuli kofunika kungakuthandizeni kuyendetsa bwino mapulogalamu amenewa ndi kuwonjezera mapindu amene inuyo ndi banja lanu mungakhale nawo.

Kaya mukukonzekera ntchito yopuma pantchito, kukumana ndi mavuto a zachuma, kapena kuthandiza chiŵalo cha banja kulowa m'mautumiki ofunika, chidziŵitso ndi ndalama zofotokozedwa m’chitsogozo chimenechi zimapereka maziko a kumvetsetsa ndi kufikitsa maprogramu a mayanjano a ku America. Patulani nthaŵi yopenda maprogramu okhudzana ndi mkhalidwe wanu, kusonkhanitsa zikalata zofunikira, ndipo musazengereze kufikira kwa oyang'anira pulogalamu kapena alangizi kaamba ka thandizo. Maprogramu ameneŵa alipo kuti akuchirikizeni pamene mukufunikira kwambiri. Kuzindikira mmene mungawafikire ndi site yoyamba yopezera chithandizo chimene mufunikira.