Table of Contents

Gadziriro dzeyamuro dzehurumende dzinobatira semutoo wekotsekano wakakomba nokuda kwamamirioni eAmerica, dzichigovera tsigiro inokosha mukati menguva dzakaoma. Kana uri kutarisana nenhamo dzemari dzechinguvana, kutarisirwa kwourema, kana kuti kungoedza bedzi kugovera mari, kunzwisisa nzvimbo yebetsero dziripo dzinogona kuita musiano mukuru mumugariro wako woupenyu. Mamirioni avaAmerica vanokwanisa havatongogamuchiri betsero dzavanokwaniriswa nokuda kwedzino — kazhinji kazhinji nemhaka yokuti havazivi mapurogiramu aripo, havazivi nzira yokushandisa nayo, kana kuti havafungi kuti vawana. Iyi nhungamiro yakakwana ichakutungamirira kupfurikidza nechinhu chiri chose chaunoda kuziva pamusoro pemapurogiramu yebetsero yehurumende muna 2026, kubva pazvikwanidzo zvokushanda.

Chii Chiri Gadziriro Dzokubetsera dzeHurumende?

Hurumende yeUnited States inoita gadziriro dzakawanda dzeyamuro dzakarongedzerwa kubetsera vanhu nemhuri dzine mari shoma kuti dzisvitse zvinodikanwa zvavo zvikuru. Zvirongwa izvi zvinobatanidza mapoka akawanda anobatanidza yamuro yezvokudya, kuchengetwa kwezvoutano, kutsigirwa kwedzimba, yamuro yemari, mari yedzidzo, uye yamuro yezvishandiso. Purogiramu imwe neimwe inogadzirwa nevavariro chaidzo, kana kuri kuti kuvimbiswa kwavana kuva nezvokudya zvinovaka muviri zvinovaka muviri, kugovera tarisiro youtano kumhuri dzinowana mari shoma, kana kuti kubetsera vanhu kuwana pokugara pakachengeteka.

Mamwe mapurogiramu anodzorwa pamwe chete nemitemo inoenderana nehurumende uye hurumende, zvichiguma nokusiyana - siyana kwokuva nepfuma uye kubatsira kunoenderana nokuti unogara kupi.

Chinangwa Chepurogiramu Dzokubatsira

Gadziriro dzeyamuro dzehurumende dziripo nemhaka yokuti chaunga chinoziva kuti munhu ari wose anotarisana nenguva dzakaoma, uye hakuna munhu anofanira kuenda asina zvokudya, tarisiro youtano, kana kuti dziviriro nemhaka yemigariro isingagoni kudzorwa nayo. Kana uri kutamburira, kushandisira betsero dzaunokwaniriswa hachisi chiratidzo choutera — chakachenjera, chinoshanda, uye chaizvoizvo icho purogiramu idzodzi dzakagadzirirwa.

Zvirongwa izvi zvinobatsira kudzikamisa mhuri munguva yokuderera kweupfumi, zvinobatsira kufambira mberi uye dzidzo yevana, zvinoita kuti vanhu vakaremara vararame zvine chiremera, uye zvinobatsira kuti vabudirire pabasa uye kudzidziswa dzidzo.

Kunzwisisa Chiverengero Chevarombo Nekusava Nomukurumbira

Gadziriro zhinjisa dzeyamuro dzehurumende dzinoshandisa Federal Poverty Level (FPL) sechinhu chikuru chokusarudza kuti inoita sei. FPL yakavakirwa paukuru hwemba uye inogadziridzwa gore rimwe nerimwe kuratidza chinjo muConsumer Price Index for All Urban Consumers (CPII-U). Kunzwisisa kuti FPL inoshanda sei kunokosha nemhaka yokuti inotapura zvakananga kana uchikwanirisa nokuda kwepurogiramu dzakasiana - siana.

2026 Nhungamiro Dzevarombo

Nokuda kwomunhu mumwe nomumwe, FPL yakakwira ne $350 (kubva pa $15,650 kusvikira ku $15 960), inenge wedzero 2%. Nokuda kwemhuri yavana, yakawedzera ne $850 (kubva ku $32,150 kusvikira ku $3 000), inenge wedzero ye 2,6%. Uku kuwedzera kunoreva kuti vanhu vakawanda zvikuru vangakwanirisa nokuda kwebetsero dzemari muna 2026 kana vachienzaniswa namakore akapfuura.

Panzvimbo pokubvisa kumwe, zvirongwa zvizhinjisa zvinogadza kutsarukana papamwero weFPL, zvakadai se88% yeMedicaid munyika dzokufutunura kana kuti 130% yeSNAP. Ikoku kunoreva kuti haufaniri hako kurarama pasi pomutsetse wourombo kuti ukwanirise nokuda kwebetsero. Zvirongwa zvizhinji zvinogadza kuva asingachinjiki zvakanaka kupfuura 100% ye FPL. Somuenzaniso, ZVIPA chikwereti chapamutengo chinowanika kusvika ku 400% FPL, CHAP inofukidza vana mumhuri dzinosvika 200% kusvikira ku 300% FPL zvichitsamira kuhurumende, uye SNP inoshandisa 130% yeFPL semitengo yapasa.

Zvikonzero Zvinowanzoita Kuti Munhu Akwanise Kubatwa

Nepo purogiramu imwe neimwe ine zvinodikanwa zvayo imene zvakananga, kune zvinhu zvinoverengeka zvinozivikanwa navose zvinosarudza kuva anokwanisa mugadziriro zhinjisa dzebetsero dzehurumende:

  • Mwero wekuwana: Zvirongwa zvizhinjisa zvinoshandisa Federal Poverty Leace (FPL) sechisakiso. Miganhu inosiana kubva pa 100% kusvikira ku 400% yeFPL zvichitsamira papurogiramu noukuru hweimba.
  • Mugariro wejirafiti: Zvizhinjisa zvinoda kuva mugari weU.S. kana kuti kugara kwapamutemo. Mamwe mapurogiramu anowanika kuvakwaniriswa vasiri vapanyika.
  • [ Chinoyera chedzimba:[ Betsero dzinowanzova nemwero yakavakirwa pachiverengero chavanhu mumhuri.
  • Miganhu yakatarwa: Mamwe mapurogiramu ane ganhuriro dzezvisakiso (akaunzi dzebhangi, zvinhu). Mavhari akapararira nepurogiramu.
  • [[[NHAU: 0] Zvinodikanwa Zvokushanda: TANF uye vamwe vagamuchiri veSNAP vangada kushanda, kutsvaka basa, kana kuti kutora rutivi mugadziriro dzokurovedza.

Marudzi Makuru Ezvirongwa Zvokuyamura zveHurumende

Gadziriro dzebetsero dzehurumende dzinogona kuiswa mumarudzi makuru anoverengeka, rimwe nerimwe richitaura nezvezvinodikanwa zvikuru zvakasiyana - siyana. Kunzwisisa aya mapoka kunogona kukubetsera kuziva kuti ipurogiramu dzipi dzingava dzakakodzera kumugariro wako.

Gadziriro Dzokuyamura Nezvokudya

Kuchengeteka kwezvokudya idikanwo huru, uye hurumende yehurumende inoita mapurogiramu anoverengeka kuvimbisa vaAmerica kuwana zvokudya zvinovaka muviri.

Chirongwa Chokuyamura Nezvokudya Zvomumuviri (SNAP)

SNAP — yaichimbova zvitembu zvezvokudya — ipurogiramu hurusa yebetsero yezvokudya yomubatanidzwa, ichibatira vaAmerica vanopfuura mamirioni 42. SNAP inogovera betsero dzezvokudya kumhuri dzinowana mari shoma kuti dziwedzere bhajeti yadzo yezvokudya zvinovaka muviri kuti dzigone kubhadhara zvokudya zvinokosha kuutano negarikano.

SAP inoiswa makadhi eElectronic Beef Reconfied (EBT) mwedzi mumwe nomumwe, inoshanda sekadhi rinoiswa mudebit pazvitoro zvizhinji zvegirosa nemisika yakawanda yavarimi. Kana ukawanwa wakakodzera, uchagamuchira betsero dzeSNAP paElectronic Benefit Transction (EBT), iyo inoshanda sekadhi redebit . Betsero dzinoiswa muakaundi yako mwedzi mumwe nomumwe. Unogona kushandisa kadhi rako reEBT kutenga kutenga zvokudya muzvitoro zvezvokudya nevanotengesa vakabvumidzwa.

[[[Divhinzi:0] Zvinodikanwa zvokusagona kubatwa:

Kuti ikwanirise, mari yapamusha pauriri yemhuri yako inofanira kuva kazhinji kazhinji pa 130% yemwero wourombo womubatanidzwa (FPL). Pari zvino, mhuri dzingava ne $3 000 muzviwanikwa zvinoverengeka (zvakadai semari kana kuti mari muakaundi yebhangi) kana kuti $4,500 muzviwanikwa zvinoverengwa kana munenge mutezo mumwe wemhuri uri zera ramakore 60 kana kuti kupfuura, kana kuti wakaremara.

SNAP inowana mari kubva kumanyuko ose, kubatanidza mari inotambira (pamberi pokubhadharwa mitero yemitero yemibhadharo yapamusha) uye mari isingashandirwi yakadai seyamuro yemari, Social Security, inishuwarenzi yokusashanda, uye tsigiro yavana.

[[[NHAU]] ZVIRATIDZO ZVEbasa:

Vanhu vanofanira kusvitsa zvinodikanwa zvebasa kuti zvive zvakakodzera SNAP. Izvi zvinodikanwa zvebasa zvinobatanidza kutora rutivi mupurogiramu dzebasa nerovedzo, kana zvakagoverwa nehurumende. Kune mitemo yakananga nokuda kwavakuru vanokwanisa vasingatsigiriki. . . . . . ABWD inogona bedzi kuva inokwaniriswa nokuda kwemwedzi mitatu (3) yeAneral Nutrition Application Program (SNAP, yaichimbozivikanwa sechitambiro chezvokudya) inobetserwa munhambo yegore rechitatu kutoti vasvike chinodikanwa chebasa reSNAP. ABWSSNAP ndi: Basa kana kuti kuzvipira namanyuko ane mukurumbira pamaawa 20 pavhiki maawa 80 pamwedzi mumwe chete) kana kupfuura.

[[[FAMURA] GADZIRIRO REMAS] GADZIRO REZVE:

Betsero hurusa muna 2026 nokuda kwemhuri yavatatu $785. Betsero hurusa yakabviswa mupiro wemba ($785 tepulula $166) inoenzana ne $661. Betsero yemwedzi nomwedzi yemhuri iSNAP $661. Chitsama chako chaicho chinotsamira paukuru hwemhuri yako, mari yaunowana, uye mari inobvumirwa.

[[[FUNDO:0] Nzira yokushandisa nayo SNAP:[

Kunyorera nokuda kweSNAP, nyorera hofisi yenyika yako kana kuti yomunzvimbomo SNAP. Zvichitsamira pahurumende yako, ungakwanisa kutumira chitambi chekumbiriso yezvokudya paIndaneti, pachako, netsamba, kana kuti nefax. Ungada kutora rutivi mubvunzurudzo usati watenderwa nokuda kwebetsero dzeSNAP.

Wic (Vakadzi, Vacheche, uye Vana)

ZVINOTAURA ZVINODYA ZVINODYA UYE UYE UNOPA ZVINODYA UYE UYE UNOGUMA UCHIFUURA UYE UYE UYE UNOTAURA ZVEUPENYU UYE UYE UNOGUTSIRIRA ZVINOGONA KUVHA.

Gadziriro Dzokubetsera Dzoutano

Kukwanisa kuwana tarisiro inodhura youtano kunokosha nokuda kwokuchengeta utano hwakanaka nedzikamo yemari.

Médicaid

Medicaid inogovera inishuwarenzi youtano yapachena kana kuti isina mari yakawanda kuti ikwanirise vakuru vanotambira mari shoma, vana, vakadzi vane pamuviri, vakwegura, uye vanhu vakaremara. Inotsigirwa pamwe chete nehurumende yehurumende nehurumende imwe neimwe, zvinoreva zvichidzorwa zvinosiyana nehurumende.

[[[DHAKA]] Kusagona kuparadzwa:

Pasi peAffordble Care Act (ACA), maruwa mazhinjisa akakudziridza Medicaid kufukidza vanhu vakuru nemari inosvika 138% yeFPL. Kusagona kuwana mari: Mitemo yemari inosiana nehurumende norudzi rwemhuri. Muhurumende dzokuwedzera, vakuru vazhinjisa vanowana mari inosvika ku $20 000 pagore (mukuru asina kuroorwa) anokwanirisa. Vana kazhinji kazhinji vanokwaniriswa pamikana yemari yakakwirira zvikuru kupfurikidza neCHIP (Vana veHwenziyo yeUtano).

[ Nzira yokushandisa nayo Medicaid:

Shandisa Indaneti panzvimbo inochengetedzwa utano.gov, kupfurikidza nehofisi yehurumende yako yeMedicaid, kana kuti pahofisi yeSangano reMagariro avanhu. Hamuna nguva yokunyoresa Medicaid — unogona kunyorera panguva ipi neipi.

[ Izvo medicaid inofukidza:[

Purogiramu yacho ine chokuita nemabasa anokosha okutarisira utano, kusanganisira kushanyirwa nachiremba, kugara muchipatara, kudzivirira zvirwere, uye masangano okutarisira vana kwenguva refu asingawanzopedzi.

Midicare

Medicare zvikurukuru inofukidza vanhu vakuru vane makore anopfuura 65 navakuru, pamwe chete navaduku vakati vane urema. Uchakwaniriswa nokuda kwokuva anokwaniriswa kana wangobhadhara mitero yeMedicasia kwaanenge makore 10 kupfurikidza nebasa rako.

Medicare ine mativi akasiana - siana anofukidza inishuwarenzi yechipatara (Party A), inishuwarenzi yezvokurapa (Party B), gadziriro dzeMedicare Bestrust (Part C), uye kupfuudzwa kwemirimo inonyorwa nachiremba (Party D). Kunzwisisa kuti imativii aunoda uye apo kunyoresa kunokosha kudzivisa mikaha mikana yezvirango uye kupeta.

Chirongwa cheInishuwarenzi yoUtano Chavana (CHIP)

CHAIP inogovera vana mari shoma inotambirwa youtano mumhuri dzinowana mari yakanyanyowanda kuti dzikwanirise nokuda kweMedicaid asi dzisingagoni kutenga inishuwarenzi yomunhu oga. CHIP inofukidza vana mumhuri dzinosvika 200% kusvikira ku 300% FPL zvichitsamira pahurumende. Kuvharwa kunobatanidza kunzverwa kwenguva dzose, kudzivirira utachiona, shanyo dzachiremba, mishonga, kutarisirwa kwamazino nemaziso, uye mabasa ekurumidziro.

Purogiramu Dzokuyamura Dzimba

Dzimba dzakanaka, dzinodhura dzinokosha kuti mhuri ifare uye ichengeteke mune zvemari.

Chikamu 8 Chirongwa Chokusarudza Dzimba

Purogiramu yeNzvimbo Yokusarudza Dzimba Voucher Program (Kubvisa 8) inoderedza rendi nokuda kwedzimba dzinowana mari yakaderera — vatori rutivi vanobhadhara inenge 30% yemari kurendi uye mutengi anofukidza yasara. Iyi purogiramu inobvumira vagamuchiri kusarudza imba yavo vamene, kubatanidza misha yemhuri imwe, dzimba dzemataundi, uye makamuri, chero bedzi muridzi achibvuma kutora rutivi mupurogiramu.

Kubudirira kunowanzovakirwa pakuwana mari iri pasi pe50% yemari inowanwa nevanobudisa nhau munharaunda, kunyange zvazvo zvimwe zvibvumikiso zvichiwanika nokuda kweavo vanowana 80% yevanobudisa nhau. Nemhaka yokudiwa kukuru, zviremera zvakawanda zvedzimba zvinochengeta ndaza dzakamirira dzinogona kuva makore anoverengeka.

Dzimba Dzavose

Dzimba dzavose dzinogovera dzimba dzerendi dzinodhura uye dzinotarisirwa nePUSCIRY Previce House Provices (PHA). Izvi zvinoitika zvinopa mafurati parendi yakaderedzwa kumhuri dzinowana mari shoma, vakwegura, uye vanhu vakaremara. Kufanana neChikamu 8, kuva nerunako kwakavakirwa pamari inotambirwa, uye ndaza dzokumirira dzakakurumbira.

Purogiramu Dzokuyamura Dzinopiwa Nemari

Gadziriro dzebetsero yemari dzinogovera tsigiro yakananga yemari kubetsera mhuri kusvitsa zvinodikanwa zvadzo zvikuru.

Betsero Yechinguvana Nokuda Kwemhuri Dzine Kushayiwa (TANF)

TANF inogovera mari yechinguvana kumhuri dzine vana apo vabereki kana kuti vatarisiri vasingagoni kugovera zvinodikanwa zvikuru zvemhuri. TANF ipurogiramu yakapiwa nehurumende inopiwa mari nehurumende, naizvozvo betsero nezvinodikanwa zvinosiana zvikuru nehurumende.

Gadziriro dzeTANF dzinowanzobatanidza zvinodikanwa zvebasa, ganhuriro yenguva (kazhinji kazhinji mwedzi 60 yenduramo), uye kutora rutivi mukurovedza basa kana kuti mapurogiramu edzidzo. Vavariro ndeyokubetsera mhuri kuwana kugutsikana kupfurikidza nebasa.

Kuchengeteka Kwezvimwe Zvine Mwero (SSI)

SSI inopa mari yemari mwedzi nomwedzi kuvanhu vane mari yakaganhurirwa nepfuma vane makore 65 kana kuti kupfuura, mapofu, kana kuti vakaremara. Miganhu yemari inogamuchirwa nokuda kweSSI itsika dzakaoma, asi zvikarakadzo zvebasa zvinokubvumira kuwana mari apo unenge uchichengeta betsero. Kusafanana neSocial Security Disability Inishuwarensis (SSI), SSI yakavakirwa pachinodikanwa chemari panzvimbo pebasa nhau.

Inishuwarenzi Yokuchengeteka Kwenzanga (SDI)

Kusafanana neSSI, SSDI yakavakirwa panhau yako yapamberi pebasa nemitero yeSocial Security yawakabhadhara. Kuti ukwaniriswe, unofanira kuva nourema hunokwanirisa hunodzivisa basa rakawanda uye hwakawana mari yakakwana yebasa kupfurikidza nebasa. Mubhadharo weavhareji weSSDI muna 2026 inenge $1,0,00 pamwedzi, kunyange zvazvo zvitsama zvichisiana zvichitsamira panhau yako yemari. Pashure pemwedzi 24 yokugamuchira SSDI, unova anofanirwa neMedicaresareal reutano.

Dzidzo Nebetsero Yokurovedza

Zvirongwa zvedzidzo zvinobatsira vadzidzi nevashandi kuwana dzidzo kuti vawedzere mikana yavo yokuwana basa.

Aid Yavadzidzi Yomubatanidzwa

Kusiyana nezvikwereti zvevadzidzi, Pell Grants haadi kubhadharwa. Zvikwereti zvevadzidzi veFederal, kubatanidza zvikwereti zveDirect Subside neZvikwereti Zvisingadzorwi, zvinoramba zviri manyuko makuru okutsigira mari nokuda kwavadzidzi vakawanda.

Kuti uwane mikana iyi, uchada kupedzisa FaFSA nemisi inotaurwa. Free Pluging for Federal Students Aid (FAFSA) inosarudza kukwanisa kwako nokuda kwezvipo zvehurumende, zvikwereti, uye purogiramu dzebasa.

Kurovedza Basa Nepurogiramu Dzebasa

Trade Suppection Alternative Arce (TAA) inogovera mari nokuda kwavashandi vanobviswa nokutengeserana kwokumwe. Vereta Job Comment Roing Grants vanogovera zvirongwa zvechienzi nokuda kwavashandi vehondo vari kutamira kumabasa asiri ehurumende. Program yeVashandi vakavhiringidzwa vanopa tsigiro yokurovedzazve mumaindasitiri akakwirira. Apprentice Transformation Translation Grants anobatanidza ruzivo rwebasa runobhadhara nomuraidzo wekirasi.

Utera Nebetsero Yesimba

Ndyiko dzesimba dzinogona kudzvinyirira bhajeti dzemhuri, zvikurukuru mukati momugariro wokunze wakaipa. Low Inhome Home Energy Application Program (LIHEAP) inobetsera mhuri dzinokwanisa kuripira nokuda kwendyiko dzokudziyisa nokudziyisa. Sezvo ndyiko dzesimba dzinopfuurira kudzvinyirira bhajeti dzemba, hurumende yehurumende yakakudza mapurogiramu ayo ebetsero yazvo inoshandisika muna 2025. Uchawana mari yakawedzerwa nokuda kwebetsero yesimba kupfurikidza neRIATEP uye mari itsva inobetsera inobetsera inoita kuti idenhe mari yakaderera kusvika kumari inotambirwa.

RIHEAP inogonawo kubetsera nemigariro yenjodzi yesimba, kunatsiridza kwemamiriro okunze, uye kugadziridzwa kwesimba kwomusha muduku. Kushata kwakavakirwa zvikurukuru pakuwana mari kuva kuri pa 150% yomwero wourombo wehurumende, kunyange zvazvo ikoku kuchisiana nehurumende.

Nzira Yokushandisa Nayo Betsero yeHurumende

Kukumbira kubatsirwa nehurumende kunogona kutyisa, asi kunzwisisa magadzirirwo acho kunogona kuita kuti zvive zvakanaka zvikuru. Izvi ndizvo zvaunofanira kuziva nezvokuwana zvirongwa izvi zvinokosha.

Kuwana Chaunokwanisa

Zvishandiso zvakawanda zvokushandisa paIndaneti zvinogona kukubatsira kuziva kuti ndezvipi zvirongwa zvaungakwanisa kuita:

  • [[FULT:0] Benefit.gov: Shandisa Betsero.
  • State- Chaizvo masuo: Nyika zhinji dzine betsero yadzo dzimene yezvishandiso zvokunzvera izvo zvinopa nhauro nokuda kwepurogiramu dzehurumende dzakananga
  • Masangano ekomunikoni: zvisingawaniki mhindu dzomunzvimbomo namasangano ebasa renzanga kazhinji kazhinji anogovera betsero yapachena nokunzvera nokushandisa

Kuunganidza Mashoko Anodiwa

Kokera magwaro okutanga: ID, chibvumikiso chemari inowanwa, nhamba dzeSocial Security, chibvumikiso chekugara, uye mari yepepa. Kuva akagadzirwa nepepa rakarurama kunogona kukurumidzisa zvikuru muitiro wokushandisa. Mapepa anowanzoda angabatanidza:

  • Hurumende yakaisa zviziviso zvemifananidzo (rezenisi romurwi, ID yehurumende, pasipoti)
  • Makadhi eNzvimbo Dzokuchengeteka
  • Chibvumikiso chemari inowanwa (mubhadharo wezvikwereti, mabhadharo emitero, mashoko ebetsero, mapepa okushaya basa)
  • Chibvumikiso chezvikwereti zvokugara (mabhiri okubhadharwa, chibvumirano cherendi, rugwaro rwechikwereti chemba)
  • Zvikamu zvebhengi zvinoratidza zvinhu zviripo iye zvino
  • Zvitupa zvokubereka zvevana
  • Kunyora kwezvokurapa (kwezvirongwa zvine chokuita nokuremara)
  • Zvibvumirano zvemari kana kuti chikwereti
  • Zvikwereti zvemabhiri ezvisina kugadzirwa
  • Kushandisa mari yokutarisira vana

Kushanda Kwaiita

Muitiro wokushandisa unosiyana zvichitsamira papurogiramu, asi kazhinji kazhinji unotevera aya matanho:

[[FAMURA] Sappendi 1: Pinza Kushandisa Kwako

Mapurogiramu akawanda ava kukupa nzira dzakawanda dzokushandisa, kusanganisira mahotera epaIndaneti, mahofisi omunzvimbo iyi, netsamba, kana kuti nefoni.

[[ITSV] Sappedzisa 2: Bvunzurudzo[

Kubvunzurudza kwacho kunobvumira mushandi wepabudisi kuti aone kana mashoko aripo, abvunze mibvunzo yakajeka, uye kuti ave nechokwadi chokuti unonzwisisa zvinodiwa nepurogiramu yacho.

[[[FAMURA] Sate-3: govera Chinyorwa Chokuwedzera

Pashure pekushandisa kwako kwokutanga, ungakumbirwa kugovera mapepa okuwedzera kusimbisa mashoko awakagovera. Pindura kuzvikumbiro izvozvi nokukurumidza kudzivisa kunonozeka mukugadzirwa.

Nhano 4: Gadzirira kutsunga kwako[

Uchagamuchira chiziviso chakanyorwa, chikuzivisa kana wakatenderwa kana kuti warambwa. Kana chitenderwa, chiziviso chichatsanangura kubetsera kwako, kana betsero dzichizotanga, kana kuti zvimwe zvinodikanwa zvipi nezvipi zvinopfuurira. Kana zvikarambwa, chiziviso chichatsanangura chikonzero nekodzero yako yokukwirira.

Mazano Anokosha Okushandisa

Sarudza nokuda kwepurogiramu dzakawanda panguva imwe chete. Mahofisi akawanda ehurumende anogona kukuvhara nokuda kwepurogiramu dzose dzinowanika mushanyo imwe. Izvi zvinogona kuchengetedza nguva uye kuva nechokwadi chokuti uchawana betsero dzose dzawakafanirwa nadzo.

Chenjerera munhu wose anokumbira mari kuti akubatsire kukumbira mari kana kuti achitaura kuti anogona kubvumira kuti ubhadhare mari yaunobhadhara.

Kana ukadavira kuti hauna maruramiro okukwidza chisarudzo. Chiziviso chokuramba chinogona kubviswa pakwirira. Kumbira yamuro yapamutemo kana kuti masangano okushandisa mari. Kana ukadavira kuti wakanyimwa betsero nenzira isina kururama, une maruramiro okukwidza chisarudzo. Chiziviso chokuramba chichabatanidza mashoko pamusoro penzira yokunyora nayo chikumbiro uye nguva yokuita saizvozvo.

Kunzwisisa Federal v. Purogiramu Dzehurumende

Zvirongwa zvebetsero zvehurumende zvinoshanda pamwero yakasiana - siana yehurumende, uko kunotapura nzira yazvinotarisirwa nayo uye betsero dzaunogamuchira.

Purogiramu Dzematunhu

Saizvozvo munyika yose. Zvirongwa zveFederal Security, SSI, neSSDI zvine mitemo yakafanana pasinei zvapo nokwaunogara. Izvi zvinoreva kuti zvitsama zvinoda kuwanikwa uye zvakanakira zvakafanana kana uchigara muCalifornia kana kuti Kentucky.

Purogiramu dzeHurumende

Hurumende imwe neimwe inogadza mitemo yayo imene, mwero inobetsera, uye inoita zvakanaka. Gadziriro dzakadai seTANF, MEdicaid (mumamwe mativi), uye SNAP (mumamwe mativi) dzinotsigirwa pamwe chete nehurumende dzehurumende nehurumende asi dzinodzorwa nehurumende. Iyi nzira:

  • Zvitsama zvemari zvinobatsira zvingasiyana zvikuru pakati pehurumende
  • Kukwanisa kuita zvinhu kungangova kunoganhurira zvikuru zvichitsamira pamamiriro ezvinhu
  • Miitiro yegadziriro nezvinyorwa zvinodikanwa zvingasiana
  • Humwe urongwa hwakananga hwehurumende hungawanika

Izvi zvinoreva kuti zvinokosha kuongorora zvinodiwa nehurumende yako uye kubatsira pakuongorora mapurogiramu.

Kuchengeta Betsero Dzako

Kana wangotenderwa bedzi nokuda kwebetsero, kune mitoro inopfuurira yokuchengeta kukwanisa kwako.

Zvinodikanwa Zvokusimbisazve

Gadziriro zhinjisa dzeyamuro dzinoda kupiwazve rendi dzenhambo nenhambo kuti uve nechokwadi chokuti uchiri kukwanisa. Kana ukawanwa wakakodzera, uchagamuchira chiziviso chinokuudza kuti uchagamuchira betsero dzeSNAP nokuda kwenguva yakadini; iyi inonzi nguva yako yechapupu. Nguva yegwaro rako isati yaguma, uchada kupedza kunyoresazve ndokugovera mapepa akagadziridzwa.

Kushuma Kuchinja Kwakaitika

Udikanirwa kushuma chinjo dzakati mumamiriro ako ezvinhu idzo dzingatapura kuva kwako anokudzwa kana kuti betsero. Izvi zvinowanzobatanidza:

  • Chinjo mumari inowanwa (kuwana basa, kurasikirwa nebasa, kubhadhara wedzero kana kuti kuderera)
  • Chinjo munziyo dzemhuri (mumwe munhu anotama kana kuti anobva, kuberekwa kwomwana)
  • Kuchinja kero
  • Kuchinja kwezvinhu kana kuti pfuma
  • Chinjo mundyiko (dzamadaro, dzokutarisira vana)

Kukundikana kushuma chinjo dzinodikanwa kunogona kuguma nokuripirwa kwakakomba kwauchafanira kuripa, kana kuti kunyange kushaikwa kwepurogiramu.

Zvinodikanwa Zvebasa Nokubatira Pamwe

Somuenzaniso, vagamuchiri veTTANF vanofanira kunyanya kuita mabasa, kutsvaka basa, kana kuti mapurogiramu okurovedza. Kunzwisisa uye kuita zvinodiwa izvi kunokosha kuti uchengete betsero dzako.

Kunyatsofunga Nezvevanhu Vakasiyana - siyana

Vamwe vanhu vanowanzofunga nezvezvirongwa zvekubatsira zvehurumende.

Vakwegura Nevanhu Vane Urema

Mhuri dzine mitezo yakwegura kana kuti yakaremara chose chose hadzisati dzichidzorwa nezvinodikanwa zvebasa, zvisinei nokuti dzimwe mhuri zhinjisa dzinofanira kusvitsa zvinodikanwa zvebasa kuti zvikwanirirwe nokuda kweSNAP.

Mhuri dzingava ne $3 000 mupfuma inoverengwa (yakadai semari kana kuti mari muakaundi yebhangi) kana kuti $4 500 muzviwanikwa zvinoverengeka kana inenge mutezo mumwe wemhuri uri wezera ramakore 60 kana kuti kupfuura, kana kuti wakaremara.

Vadzidzi veKoreji

Mamwe mapoka avanhu haana kukodzerwa nokuda kweSNAP pasinei zvapo nemari yaanowana kana kuti zvinhu, zvakadai savanhu vanorohwa, vanhu vose vasina mugariro wokutama unotsigirwa, vatami vazhinji vane nzvimbo dzokutama dzapamutemo, vamwe vadzidzi vanopinda koreji inopfuura hafu yenguva, uye vanhu vakati vane zvitendero zvine chokuita nemirimo mune dzimwe nyika.

Zvisinei, vadzidzi vangakwanirisa kana vakasawirirana nezvimwe zvinhu. Kutora rutivi muSNAP, mudzidzi, mukoreji inenge hafu yenguva, kunofanira kusvitsa mari inotambirwa yeSNAP uye chimwe chezvinotevera: Basa maawa 20 pavhiki mubasa rinobhadharwa. Zvimwe zvinosanganisira kutora rutivi mubasa, kugamuchira TANF, kana kuti kutarisira mwana anotsamira pamunhu.

Maveteran

Varidzi vedzimba vangava vakakodzera nokuda kwepurogiramu dzose dzebetsero dzinodikanwa, uye betsero dzakaita sedzakareverwa. Idzodzi dzinobatanidza kuva neutano hweva, muripo wehurema, mapurogiramu omudyandigere, uye yamuro yedzimba.

Vatami

Kugamuchirwa nokuda kwebetsero dzehurumende kunosiana zvikuru nemhaka yomugariro wokutamira. Vagari vemo veUnited States navasati vari vagari vemo vakakwaniriswa vakakwaniriswa (vakadai savagari venguva dzose vapamutemo vave vari munyika yacho kwaanenge makore mashanu, vapoteri, uye vaaslates) vangakwaniriswa nokuda kwepurogiramu zhinjisa. Zvisinei, mitemo yokusagona kubuda munyika inooma uye inosiana nepurogiramu, naizvozvo kunokosha kunzvera zvinodikanwa zvakati kana kuti kubvunza mupi wegweta kana kuti mupi wezano akakwaniriswa.

Kuchinja Kwenguva Ichangobva Kupfuura Nokuvatsiridzwa Kwakaitika Muna 2026

Kuziva kuti zvinhu zvava kugadziridzwa munguva pfupi yapfuura kunogona kukubatsira kunzwisisa kuti unobatsira uye une kodzero dzakanaka.

Gadziriro Dzourombo Hwemabharo

Nhungamiro dzourombo 2026 dzakawedzera zvine mwero mukuenzaniswa ne2025, dzichiratidzira kukwira kwemitengo kunoyerwa neCPI-U. Uku kuwedzera kunoreva kuti vanhu vakawanda vangakwaniriswa nokuda kwebetsero dzinotsamira pakuwana mari muna 2026 zvichienzaniswa namakore akapfuura, sezvo denga remari rakwira.

Purogiramu Yezvoutano Inomutsidzira

Pasuru yacho inobatanidza zvikoshero zvikuru zvezvoutano uye magadzirisirwo, kubatanidza Medicara telehealth propealities uye tsigiro nokuda kwokuwana mari shoma inogamuchirwa. Inodzivirirawo zvikuru purogiramu dzeCommunity Living (ACL) uye mamwe anokosha kuvakura uye vanhu vakaremara.

Bhizimisi racho rinotambanudza COVID-19 Medicare telehealth propecialties kusvikira muna 2027, richichengeta nzvimbo nenzvimbo zvinoshaikwa, ndandanda yakakwirira yenzvimbo dzakavakirwa navashandisi vakakodzera, uye kufukidza mashoko bedzi, pakati pemimwe mirau. Ikoku kunokosha zvikurukuru nokuda kwavanhu vari mumaruwa kana kuti avo vane zvinetso zvokufamba.

Chirongwa cheSNAP Chinochinja

Chibvumirano cheBig Bill Beach Act cha2025 chinochinja zvimwe zvinhu zvinoda kusafanana neSNAP. Izvi zvinosanganisira kuchinja kunodiwa nebasa reSNAP uye kusagona kuchinja. Tiri mugadziriro yokuchinja peji ino nokuchinja kwakaitwa neBhosa Big Bill Beach Act ra2025. Zvinokosha kunzvera nehofisi yako yeSNAP nokuda kwamashoko azvino uno zvikuru pamusoro pekuti kuchinja uku kungakutapura sei.

Matambudziko Anowanzoitika uye Zvaungaita Kuti Uakunde

Kunzwisisa zvipingamupinyi zvinozivikanwa nevanhu vakawanda uye nzira yokuzvigadzirisa nayo kunogona kuvandudza mikana yako yokuwana betsero dzinobudirira.

Kunonoka kweChishandiso

Kuderedza kunonoka:

  • Pfeka maapurobhukwana ose anodikanwa
  • Pindura nokukurumidza kumashoko okuwedzera aunopiwa
  • Chengeta makopi echinhu chiri chose chaunopa
  • Tevera kana usina kunzwa mukati megiramu yenguva yakataurwa
  • Bvunza kuti zvinhu zvinogadzirwa sei kana uchida kukurumidza kugadzira zvinhu

Ungava wakakodzera kugamuchira SNAP mukati mamazuva 7 omusi wako wokushandisa kana ukasvitsa zvinodikanwa zvokuwedzera. Somuenzaniso, kana imba yako ine mari isingasviki $100 muzvinhu zvinodhakisa uye $150 mumari inotambirwa yomwedzi nomwedzi, kana kuti kana mari yemhuri yako yakabatanidzwa pamwe chete yemari yomwedzi nomwedzi yezvinwiwa zviri pasi peyaunobhadhara mwedzi mumwe nomumwe nokuda kwerendi kana kuti chikwereti chemonerive kana kuti ndyiko dzemari dzinoshandiswa.

Kunzwisisa Zvikonzero Zvokuramba

Kana ukaramba kushandisa kwako, chiziviso chacho chinofanira kutsanangura zvakajeka chikonzero nei. zvikonzero zvinowanzoitwa zvinosanganisira:

  • Mari yaibhadharwa yakawandisa kuti ishandiswe
  • Zvirongwa zvinopfuura ganhuriro dzepurogiramu
  • Mapepa akashayika kana kuti asina kukwana
  • Kukundikana kupinda bvunzurudzo inodikanwa
  • Kusasvitsa zvinodikanwa zvougari hwemo kana kuti zvokugara
  • Kusasvitsa zvinodikanwa zvebasa

Kunzwisisa chikonzero chaicho chokuramba inhano yokutanga mukusarudza kana ungakodzera nokuda kwepurogiramu yakasiyana.

Mitemo Yakaoma Kunzwisisa

Zvirongwa zvehurumende zvokubatsira zvine mitemo yakaoma kunzwisisa.

  • Masangano eyamuro yapamutemo anotarisira kubatsira mutemo
  • Masangano akavakirwa panzanga ayo anogovera betsero dzokupa zano
  • Mahofisi ehurumende neehurumende
  • Masangano okudzora vanhu akanyanya kutaura nezvevanhu vaiwanika munyika yacho (vazvizvarwa, vanhu vakaremara, zvichingodaro).
  • Mari dzinoshandiswa paIndaneti kubva panzvimbo dzehurumende

Kubata Nevanokudhura

Kana ukagamuchira betsero dzakawanda kupfuura dzawakafanirwa nadzo, ungadikanirwa kuripa muripo. Ikoku kunogona kuitika nemhaka ya:

  • Kukundikana kushuma chinjo mumigariro
  • Chikanganiso cheagency
  • Kusanzwisisa zvakanaka zvinodiwa pakunyora

Kana ukaziva nezvokubhadharwa kwawaita, kazhinji kazhinji une kodzero yokukumbira kutongwa kuti uzvipindure kana kuti kukumbira kudzorwa kana usingakwanisi kubhadhara mari yacho yose nokukurumidza.

Kuwedzera Betsero Dzako

Kana wava kungobatsirwa, pane mazano okushandisa zvakanaka zvaunogona uye kushanda kuti uwane mari yakawanda.

Kubatanidza Zvirongwa Zvizhinji

Somuenzaniso, ungagamuchira SNAP, Medicaid, uye rubatsiro rwedzimba panguva imwe cheteyo.

Mamwe mapurogiramu akapfavisa miitiro yokunyoresa kana uchitogamuchira dzimwe betsero. Somuenzaniso, kana ukagamuchira SSI, ungangokwaniriswa nokuda kwaMedicaid munyika dzakawanda.

Kushandisa Betsero Yebasa Rokuwedzera

Mapurogiramu akawanda okuyamura haangopi mari chete.

  • Zvirongwa zvokushanda uye zvokurovedza zvinogona kukubatsira kuti uvandudze unyanzvi hwebasa
  • Medicaid inowanzobatanidza kutarisira kudzivirira uye mapurogiramu akanaka
  • Zvirongwa zvedzimba zvingapa mazano okudzidza nemari uye edzimba
  • Mapurogiramu eTANF anowanzosanganisira kudzidziswa basa uye mikana yokudzidza

Kushandisa mabasa aya okuwedzera kunogona kukubatsira kuti uve nounyanzvi uye ushande kuti uzviwane.

Kunzwisisa Zvinoita Kuti Ushande

Zvisinei, mapurogiramu akawanda anoramba achikubvumira kuchengeta betsero dzakati kuti sezvo mari yako inowedzera.

Mamwe mapurogiramu, zvikurukuru ayo nokuda kwavanhu vakaremara, ane gadziriro chaidzo dzebasa dzinokubvumira kuedza mano ako okushanda pasina kurasikirwa nebetsero nokukurumidza.

Zviwanikwa uye Kwaungawana Betsero

Haufaniri kushandisa mari yehurumende yoga. Nyuzi zhinji dzinowanika kuti dzikubatsire kunzwisisa uye kuwana zvinhu.

Zviwanikwa zveHurumende

  • [[FUT:0] Benefit.gov: Mashoko anoparira pamusoro pebetsero dzemubatanidzwa uye zvishandiso zvokusefa
  • USA.gov: mashoko enguva dzose pamusoro pemibato yehurumende namapurogiramu
  • [Heath careser.gov: Mashoko pamusoro pezvisarudzo zveinishuwarenzi youtano kubatanidza Medicaid
  • SSA.gov: Administration yeSocial Security nokuda kwokurega basa, urema, uye SSI
  • [[[FUR:0].gov: Department of Home neUrban Development nokuda kweyamuro yedzimba
  • FS.USDA.gov: Zvokudya neUtrition Service yeSNAP uye mamwe mapurogiramu ezvokudya zvinovaka muviri

Masangano Ane Mugariro

Masangano akawanda asingawani mhindu anogovera betsero yapachena mukushanda kunobetsera nokunyengera.

  • Nzanga dzeyamuro yapamutemo
  • Masangano ezviito zvenzanga
  • Masangano akavakirwa pakutenda
  • Nzvimbo Dzavakuru Nenharaunda Zvinoda Kukwegura
  • Masangano anokanganisa kodzero dzemunhu
  • Mabhangi ezvokudya namasangano eyamuro ane nzara

Nyika Nezviwanikwa Zvomunzvimbomo

Mahofisi ako ehurumende neomunzvimbomo anogona kugovera mashoko pamusoro pezvose zviri zviviri zvirongwa zvehurumende nezvakananga. Taurai:

  • Hurumende yeDhipatimendi Routano Nemabasa Avanhu
  • Hofisi yemasangano ehurumende yomunharaunda
  • Hofisi yebetsero yeruwa
  • Chiremera chedzimba chavanhu vose

Maatline Nemahotline

Mapurogiramu akawanda anoshandisa mirayiridzo yokubatsira paunogona kubvunza mibvunzo uye kuwana rubatsiro:

  • Shandisa pasa.gov kana kuti foni 1-800-7721213 yemibvunzo yeChengetezo cheMagariro avanhu
  • Hurumende yakajeka inopisa maSNAP
  • Kurapwa.gov inodana nzvimbo yemibvunzo yeinishuwarenzi youtano
  • 211 - A basa romunyika yose rinobatanidza vanhu nezvinhu zvomunzvimbo iyoyo

Kuzvidzivirira Pamanomano

Zvinosuruvarisa kuti, vanyengeri vanowanzorwisa vanhu vanotsvaka rubatsiro rwehurumende.

Betserwai Navose

  • Kunyengera kwepokushandira: Mapurogiramu ehurumende haatongobhadhari mari yekumbiriso
  • [[[FUT:0] Zvirongwa zvokutendera: Hapana munhu anogona kuvimbisa kuti uchatenderwa nokuda kwebetsero
  • Kunyengera kwekadhi reBT: MaScammer angaedza kuwana nhamba yekadhi rako reEBT kana kuti PIN
  • Zvitsotsi zvokunyengera: Kunyepedzera maemail kana kuti magwaro anotaura kuva akabva kumasangano ehurumende
  • [[[FOM:0] Zvitsotsi: Vachakuudza kuti ucharasikirwa nebetsero kutoti ugovera mashoko ako umene nokukurumidza

Nzira Yokuzvidzivirira Nayo

  • Usatongobhadhara munhu upi noupi kukubatsira kukumbira betsero dzehurumende
  • Usagoverana nhamba yako yeSocial Security, nhamba yekadhi reEBT, kana kuti PIN nomunhu upi noupi
  • Iva anonyumwira kuonana usina kukumbirwa uchitaura kuti uri musangano rehurumende
  • Tsimira mashoko kupfurikidza nokuonana nesangano racho uchishandisa nhamba dzorunhare dzepamutemo zvakananga
  • Mushumo unofungidzirwa kuti unoita unyengeri kuFederal Trade Commission uye gweta rako guru rehurumende

Kutarira Mberi: Kuronga Kubudirira

Kunyange zvazvo mapurogiramu ehurumende achitsigira zvikuru munguva dzakaoma, vanhu vakawanda vanoashandisa sebhiriji kuti vawane mari yakawanda.

Kuronga Zvinangwa Zvemari

Kunyange paunenge uchibatsirwa, unogona kushanda kuti uwane mari:

  • Ita bhajeti ine chokuita nemari yose yaunowana uye mari yaunoshandisa
  • Vakirira mari yawakachengeta nokukurumidza, kunyange kana iri chitsama chiduku mwedzi mumwe nomumwe
  • Shandisa mapurogiramu okudzidza asingabhadhari
  • Shambai mapurogiramu emari (Indivicual Development Akhawunties) kana achiwanika munharaunda yenyu

Kudzidza uye Kuita Unyanzvi

Dzidzo nokurovedzwa nebasa zvinogona kuvandudza bviro yako yenguva refu yokuwana:

  • Kutora rutivi mupurogiramu dzebasa nedzerovedzo dzinogoverwa kupfurikidza neSNAP kana kuti TANF
  • Kuongorora mapurogiramu ekoreji enzanga akasununguka kana kuti akaderera
  • Tarira mumapurogiramu okudzidzira basa muminda yakanyanyosimudzwa
  • Shandisai zvinhu zvamunodzidza zviri paIndaneti
  • Funga nezvemabasa okupa mazano

Kunzwisisa Kuchinja Kunobatsirwa

Sezvo mari yako inowedzera, betsero dzako dzichaderera zvishoma nezvishoma.

  • Dzidza pamusoro pemitemo yepurogiramu yako
  • Ona kuti mari yaunowana ichaita kuti ubatsirwe sei
  • Ronga kurasikirwa nebetsero kupfurikidza nokuronga mari yauchada kubhadhara
  • Shandisa betsero dzakasiana - siana kana dzichiwanika (zvakadai seMedicaid yemumakungwa)

mhedziso

Gadziriro dzeyamuro dzehurumende dzinomirira musero wekotsekano unokosha unobetsera mamirioni eAmerica kusvitsa zvinodikanwa zvavo zvikuru ndokushanda kunguva yemberi yakagadzikana zvikuru.

Kunzwisisa zvinodikanwa zvinogoneka, miitiro yokushandisa, uye kodzero dzako nemitoro zvinokosha kuti uwane betsero idzi nenzira inobudirira. Nepo gadziriro yacho ichigona kuratidzika kuva yakaoma, zviwanikwa zvakawanda zvinokubetsera kuishandisa, kubva pawebsite dzehurumende dzepamutemo kusvikira kumasangano esangano akavakirwa panzanga namabasa okuyamura epamutemo.

Tanga nebetsero kuyera pabetsero. gov nhasi, uye shandisa nokuda kwechinhu chiri chose chaunokwaniriswa nokuda kwako. Ungashamiswa kuti betsero huru sei inowanika. Yeuka kuti kutsvaka betsero apo unoda hachisi chiratidzo choutera(icho nhano inoshanda kukuva nechokwadi chegarikano yemhuri yako uye kushanda kukugadzikana kukuru zvikuru mune zvemari.

Ungave uri kutarisana nemhinganidzo yechinguvana kana kuti unobata nedenho dzenguva refu, zvirongwa zvebetsero dzehurumende zvakarongedzerwa kugovera tsigiro munguva dzakaoma. Kupfurikidza nokunzwisisa zviripo, nzira yokushandisa nayo, uye nzira yokuchengeta nayo betsero dzako, unogona kuwana zviwiro zvaunoda kuvaka nguva yemberi yakachengeteka zvikuru nokuda kwako umene nemhuri yako.

Nokuda kwamashoko akawanda pamusoro pemapurogiramu akati uye kuziva kumira kwako, shanyira Benifit.gov, USA.gov[, kana kuti onane neBato rehurumende yako reUTS, kana kuti Bhezi reUTSD. Zviwanikwa pa URONITES. gov nokuda kwezvirongwa zvoutano, [[FLT:]HUP].[FLT: 7] nokuda kweyamurongedzo, uye [FLT:] MFUS.[FL:]