Table of Contents
Kunzwisisa gadziriro dzenzanga kunokosha kuti vagari vemo vadzore mamiriro ezvinhu akaoma ebetsero namabasa anowanika kwavari mumativi ose oupenyu. Zvirongwa izvi zvinoumba dziviriro yakakomba iyo mamiriyoni eAmerica anotsamira pachengeteko yemari, kutarisirwa kwoutano, uye zvinodikanwa zvikuru. Rusununguko rwenzanga runomira sechinhu chinokosha chedziviriro iyi yekotsekano, kugovera tsigiro yemari kuvakarega basa, vanhu vakaremara, uye vapukunyuki vavashandi vakafa. Bever Social Security, Programme Medicaid, Medicaid, Suption Conficial Conficial Arection program (SNAP), uye zvirongwa zvakasiyana - dzidzo zvemari zvokubetsera mudzimba zvinobatsira zvinobatsira kutsigira vanhu vakasiyana - siyana zvinotarisana nezvinetso.
Sezvatinopfuura nomu 2026, chinjo huru kuidzi gadziriro dzinotapura nzira iyo vagari vemo vanowanwa nayo, zvavanogamuchira, uye mari yavanobhadhara. Kugara vachiziva pamusoro pezvinodikanwa zvokuva vakakwana, miitiro yokushandisa, zvitsama zvemiitiro yemisi ichangobva kupfuura iyi hazvina kutongova zvinokosha zvikuru. Iyi nhungamiro yakakwana ichakubetsera kunzwisisa gadziriro huru dzenzanga dzinowanika, nzira iyo dzinoshanda nayo, uye zvaunoda kuziva kuti uwedzere betsero dzako.
Kunzwisisa Chengeteko Yenzanga: Fandesheni Yedziviriro yeAmerica
Chirongwa ichi chinopa mibayiro yemari inotengwa nehurumende, inobhadharwa nokubhadharwa mitero inobviswa kuvashandi uye vashandirwi, chinopa mitero mitatu mikuru: mari inowana pamudyandigere, inishuwarenzi yokuremara, uye kubatsira kwemhuri dzevashandi vanenge vafa.
Mashandiro Anoita Kuchengeteka Kwenzanga
Sacurity Security inoshanda pahwaro hwemari inobhadharwa, uko vashandi vazvino vanobhadharisa betsero nokuda kwavabhadhari vazvino. Mwero wemitero wakabatanidzwa weSocial Security neMedicare i 7,65 muzana, neSangano reNyunzi (OASDI) iri kuva 6,2 muzana yemari inobhadharwa kusvika kumutengo unobhadharwa mutero unoshandisika, uye Medicasa chikamu (HI) kuva 1.45 muzana pamari yose. Nokuda kwa2026, chitsama chikuru chemari inodzorwa pamutero weSangano reSangano reSangano reSangano reUnizimende chichawedzera kusvika $184,500.
Kunzwisisa kuti unowana sei chikwereti kuSangano reNzvimbo yeNzvimbo yeNdendeko yeMarudzi kunokosha nokuda kwokuronga kurega kwako basa. Unofanira kuwana mari yechikwereti 40 kuti ive inokwaniriswa nokuda kwebetsero dzeNyamakoshero, uye uwane chikwereti apo unoshanda uye unobhadhara mitero yeSocial Security. Chitsama chinodikanwa kuwana gadziridzo yechikwereti gore rimwe nerimwe nokuda kwokukwira kwemitengo. Muna 2026, kuchada $1 890 mumiripo kuti uwane chikwereti chimwe, uye $7 560 kuti uwane zvikwereti zvose zvinowanika mugore rimwe chete.
Kurega Basa Kunochengetedza Vanhu Kunobatsira Muna 2026
Kuwana mari yakawanda kunoenderana nezvinhu zvinoverengeka, kusanganisira mari yaunowana muupenyu, makore awakashanda, uye zera raunosarudza kutaura kuti unobatsira. Sangano reSocial Security Administration rinotora makore 35 akakwirira kwazvo pashure pokugadziridza kukwira kwemitengo uye kuiisa muSocial Security kuti uzive mari yako huru yeinishuwarenzi.
Social Security Administration inofungidzira kuti betsero yepaavhareji yokurega basa ichakwira neanenge $56 pamwedzi, kubva pa $2 015 071 kusvikira ku $2 071, kutanga nemiripo inopera muna January 2026. Zvisinei, betsero huru dzinogona kuva dzakakwirira zvikuru nokuda kwaavo vakawana mari inobhadharwa kana kuti kupfuura inobhadharwa mumabasa avo ose. Betsero hurusa inobvira nokuda kwa2026 inopfuura $5 000 pamwedzi nokuda kwaavo vanononoka kutora chibvumirano kutozosvikira zera ramakore 70.
Nguva Yokutaura: Kunzwisisa Nguva Yokurega Basa Zvakazara
Chimwe chezvisarudzo zvinokosha zvikuru chauchaita pamusoro peNzvimbo yeNzvimbo dzaMagariro avanhu ndechokuti ndechipi paunofanira kutanga kutaura kuti unoda betsero. Pazera ramakore 62, kuita kudaro kunoderedza zvechigarire chitsama chebetsero yako yomwedzi nomwedzi. Avo vane makore 62 muna 2026 vachawana 30% cheki paingadai vakawana kupfurikidza nokumirira kusvikira zera ravo rakazara rokurega basa kuti vashandise.
Zera rakazara rokurega basa rinosiana zvichitsamira pagore rako rokuberekwa. Zvikurukuru, SSDI inofukidza vashandi vari pakati pamakore 18 namakore okurega basa akazara (67 nokuda kwomunhu upi noupi akaberekwa muna 1960 kana kuti gare gare), uye kana wasvika zera rakazara rokurega basa, SSDI inobetsera kutendeuka yoga kukuva betsero dzemudyandigere nechitsama chemari chinogara chimwe chetecho. Kumirira kupfuura zera rako reFRA kusvikira zera 70 kunogona kuwedzerazve betsero dzako, kuita chisarudzo chinotaura kuva rutivi runokosha rwokuronga basa.
Kushanda Paunenge Uchiwana Chengeteko Yenzanga
VaAmerica vakawanda vanopfuurira kushanda pashure pokutaura kuti vanobetsera muNzvimbo dzeNzvimbo dzaMagariro avanhu, zvimwe kupfurikidza nezvisarudzo kana kuti kudikanwa. Zvisinei, kana ukati usati wasvika zera rokurega basa rakazara, betsero dzako dzingaderedzwa kana ukawana mari yakakwirira kupfuura zvimwe zvitsauko zvakati. 2026 ganhuriro yemari inotambirwa vanhu vari pasi pezera rokurega basa gore rose i $44,480, uye Social Security Administration deducts yemists yemistry yemari yeUniversity nokuda kwemitengo imwe neimwe inowanwa paichiwa.
2026 inowana mari inokwana vanhu vanosvika zera rokurega basa $65 160, uye nzira yakanaka yokuderedza nayo mari.
Mutengo Wegadziridzo Dzoupenyu
Betsero dzeNzvimbo dzeNzvimbo dzeNzvimbo dzinogadziridzwa gore negore kuti dzienderane nokukwira kwemitengo, zvichibatsira vanobatsirwa kuchengeta simba ravo rokutenga. Kubva pakuwedzera kweCPI-W muCPI kubva pa25 kubva pahafu yechitatu ye2024 kusvika pa25, vagamuchiri veSocial Security uye vaSocial Security Infeal Infication vachagamuchira 2,8 muzana CLA nokuda kwa2026. Kugadziridza uku kunobatsira kuti vabetsere kuti betsero hadzizorasikirwi nenguva inotesa mari inotengwa nokukwira kwemari inopfumisa.
Inishuwarenzi Yokuchengeteka Kwenzanga (SDI)
Inishuwarenzi yeSocial Security Inogovera tsigiro yemari inokosha kuvashandi vanotadza kushanda nemhaka yemamiriro ezvinhu outano akakomba.
Zvinodikanwa Zvokusagona Kukundwa neSSDI
SSDI ipurogiramu yeinishuwarenzi yehurumende inoitwa neSocial Security Administration umo unoripira nayo kupfurikidza nokubhadhara mitero yapamutero unotambira, uye kana ukava akaremara uye usingachagoni kushanda pamwero mukuru, unogona kuwana betsero dzomwedzi nomwedzi pahwakavakirwa panhau yako yemari. Nhamba yechikwereti chebasa chinodikanwa inosiyana nezera, navashandi vaduku vanoda zvikwereti zvishomanene kupfuura vashandi vakura.
Murangariro mukuru muSSDI eligion ndi "mubato unopfumisa wakawanda" (SGA). Kukwaniriswa nokuda kweSSDI, haungagoni kazhinji kazhinji kuva unoita izvo SSA inoda kuti basa riwane mhindu huru, uye muna 2026, ganhuriro yeSGA i $1,690 pamwedzi nokuda kwavakwidziridzi vazhinjisa uye $2,830 pamwedzi nokuda kwaavo vari mapofu. Kana mari yako inopfuura zvitsama izvozvi, unowanzowana kusakwaniriswa nokuda kwebetsero dzourema.
Gadziriro Chaidzo: Mwana Akaremara Anobetserwa
Chinopesana chinokosha nemitemo yeSSDI inoremara yeChildren (DAC). Chirongwa chaVakura Varemara chinobvumira mumwe munhu akaremara asati ava namakore 22 kuunganidza betsero dzeSSDI dzakavakirwa pachinyorwa chebasa chomubereki, kwete yavo vamene, uye mubereki anofanira kuva achigamuchira penjeni yeSocial Security kana kuti betsero dzourema, kana kuti anofanira kuva akafa. Urongwa ihu hunokosha zvikuru nokuda kwavanhu vane urema hwokubudirira kana kuti migariro iyo yakavadzivisa kuvaka nhau yebasa ravo vamene.
Kurangarirwa Kwezera Mutendero yeSSDI
Zera rinoita rutivi runokosha mukutsunga kuremadzwa, zvikurukuru nokuda kwavashandi vakura. SSA’s Grid Mission inopa ukoshi hukuru kuzera apo inosarudza kana mumwe munhu anogona kuchinjira kune rimwe basa, uye vakwidziridziridziri vane 55 navakuru vane ganhuriro dzedzidzo nemabasa okushanda zvakaganhurirwa vangawanwa zvikuru vasingakwanisi kuchinja kuva nebasa rakareruka. Uku kuziva kuti vashandi vakura vanotarisana nedenho huru mukuchinjira kumarudzi matsva ebasa kunogona kutungamirira kukutenderwa muzvinoitika zvingarambidzwa nokuda kwevaduku vanokumbira.
Kuchengeteka Kwezvimwe Zvine Mwero (SSI)
Nepo inowanzovhiringidzwa neSocial Security Disability Inficability, Security Infication ipurogiramu yakasiana nemitemo yakasiana- siyana inodikanwa namabasa. Kusafanana neSSI, iyo inotsigirwa nechero, SSDI inosungirwa pachinyorwa chebasa rako. SSI inogovera betsero yemari kuvanhu vakwegura, mapofu, uye vakaremara avo vane mari nepfuma zvakaganhurirwa, pasinei zvapo nenhau yebasa ravo.
Muna 2026, Maneral Security Indomel Federal Benefied Rate i $994 pamwedzi nokuda kwomunhu mumwe nomumwe uye $1491 pamwedzi nokuda kwavaroorani vakakodzera.
Medicare: Chivako Choutano Hwevanhu Vakwegura Nevakaremara
Medicare inobatira sepurogiramu yokutanga yeinishuwarenzi youtano nokuda kwavaAmerica vane makore 65 navakuru, pamwe chete navanhu vaduku vakati vane urema. Medicare ipurogiramu yeinishuwarenzi youtano yehurumende zvikurukuru nokuda kwavanhu vane makore 65 navakuru, nepo Medicaid ipurogiramu yehurumende yakabatana nokuda kwavanhu vakaderera vanowana. Utendiso yeMidicare yakasiyana- siyana uye kuti vanoshanda pamwe chete zvinokosha kuti vawedzere kupfuudza kwoutano hwako.
Medicare Party A: Inishuwarenzi Yechipatara
Medicare Part A mabutiro ezvipatara zvinotarisirwa vanorwara, chipatara chinotarisirwa nounyanzvi, tarisiro inochengetedzwa, uye mamwe mabasa outano apamusha. Vanhu vazhinjisa havabhadhari mutero nokuda kweMedicare Part A kana vane nhau yebasa yakakwana.
Party A chipatara chinotapurwa neravanorwara chinofukidza migove yavabetseri vemari nokuda kwamazuva 60 okutanga eMedicare yakavanzwa mutarisiro yechipatara inorapa munguva inobetsera, uye muna 2026, vanobetserwa vanofanira kubhadhara mari ye $434 pazuva nokuda kwe61 kusvikira kuzuva rechi 90 rokuenda kuchipatara. Kutarisira kwounyanzvi kwezvoukondi hwezuva nezuva kwemazuva 21 kusvikira ku100 dzezvipatara zvakawedzerwa munguva inobetsera zvichava $100 (Z $2,206) muna 2026.
Chikamu B: Inishuwarenzi Yezvokurapa
Rutivi B runofukidza mabasa avanachiremba, kurapa kwokusarapwa, mabasa okudzivirira, uye zvokurapa zvinogara. Kusafanana neParte A, vanobetserwa zvikurusa vanobhadhara mutengo womwedzi nomwedzi weParty B. Mutengo wemwedzi nomwedzi weMedicara Part B uchava $202.90 nokuda kwa2026, wedzero ye $7.00 kubva pa $1085.00 muna 2025. Kuwedzera, kutsarukana kwegore negore kweMedicaras Part B Livensferts kuchava $272666 muna 20256, weUS $666666.
Vari kuwana mari yakawanda vanobhadhara mari yokuwedzera kupfurikidza neInoned Monthly Transformation Aults (IRMAA). Iyi mibhadharo inoshanda kumativi ose ari maviri B neParamende D yakavakirwa pamibereko yako yakagadziridzwa yakabva kumakore maviri asati aitika.
Medicare Chikamu C: Betsero yeMedica
Zvirongwa zvebetsero, zvinozivikanwawo sePart C, zvinopiwa namakambani einishuwarenzi omunhu oga anotenderwa naMedicare. Zvirongwa izvi zvinobatanidza Par A nePart B uye kazhinji kazhinji zvinobatanidza betsero dzokuwedzera dzakadai sechinonyorwa pamutemo chemirimo, mazino, kuona, uye mabasa okunzwa. Gadziriro dzeMEdicara dzinogadza mari yazvo zvinenge zvazvibhadharira, zvinenge zvisingashandiswi, uye kubhadharwa, izvo zvinogona kusiana zvikuru kubva kuExric Medicare.
Chikamu D: Kufukidzwa Kwemirimo Inorambidzwa
Chikamu D chinogovera mishonga inonyorwa napamutemo kupfurikidza namakambani einishuwarenzi. Nepo kuvhota kusingaitwi, chikamu D chinowanika kumunhu upi noupi ane medicare. Chinjo dzemisi ichangobva kupfuura iyi dzakaita kuti Chikamu D chive chaibvira zvikuru kuvaripi vakawanda vanobetserwa. Par. Par D ichasuma chikepisi che $2,100 pagore nokuda kwemirimo inonyorwa nachiremba, kuchigovera dziviriro nokuda kwaavo vanotarisana nendyiko yemishonga yakakwirira.
Mari yakachengetwa iri kuuyawo kupfurikidza nepurogiramu yemirimo yeMedicare. Mari inokarirwa kuderedza ndyiko yavagamuchiri neinofungidzirwa kuva mabhiriyoni $1,5 muna 2026, uye kudai mitengo yakaderera yave iri kushanda muna 2023, Medicare imene ingadai yakaponesa inenge mabhiriyoni $6.
2026 Medicime Inovakwa Nokuchinja
Chinjo dzinoverengeka dzinokosha kuMedicare dzakashanda muna 2026. Mitemo mitsva yakatanga kushanda pana January 1, 2026, inoda zvisarudzo zvokukurumidza zvokuva vanyori nokuda kweMedicare naMedicas Bestruction, sezvo CMS Internability nePrevision Figation Regand Regament ichida kugadzirisa njodzi yapamberi pekumanikidza gadziriro dzokushandisa nokukurumidza, zvinojeka zvikuru uye zvinoshanda pamagetsi.
Kuvanhu vanofarira mishonga inoderedza uremu, mitsva yokuvhura iri kuwanika. Gadziriro dzekunyora mishonga inonyorwa nemumirimo inotenderwa kunyora panzvimbo imwe chete ichava nemishonga yemadhigirii yemadhigirii yemadhigirii yemadhigirii yemadhigirii yeGLP-1 inowanika pa $50 pamwedzi, ine mishonga inopfurwa neMounjaro, Ozempic, Wegovy naZepgull pamwe chete nemishonga yeWegovy pill inokarirwa kufukidzwa, kunyange zvazvo mishonga inopfudzwa isati yatanga kusvikira July 2026.
Medicaid: Utano Hunovhara Vanhu Vakaderera Nemhuri
Medicaid inogovera bhadharo reinishuwarenzi youtano kuvanhu vanotambira mari shoma nemhuri, ichishanda sebatira pamwe pakati pehurumende dzehurumende. Medicaid ipurogiramu yehurumende nehurumende inobatira pamwe inogovera inishuwarenzi youtano nokuda kwavanhu vane mari nepfuma yakaganhurirwa, uye hurumende dzinopiwa rusununguko rwokushandisa purogiramu yacho mukati menhungamiro dzehurumende, naizvozvo mitemo yokubhadharwa uye ndyiko zvinogona kusiana kubva kunyika imwe kuenda kune imwe.
Kubudirira
Kukwanisa kuita Medicaid zvikurukuru kwakavakirwa pakuwana mari, namasangano mazhinjisa anoshandisa mwero wourombo hwehurumende sechiratidzo.
Medicaid inoshumira vanhu vakasiyana - siyana, kusanganisira vakuru vanowana mari shoma, vana, vakadzi vane pamuviri, vakwegura, uye vanhu vakaremara. Purogiramu yacho inogovera kupfuudzira kudarika zvinopiwa neMedicare. Medicaid inofukidza mamwe mabasa anopfuura ayo anopiwa pasi peMedicare, kubatanidza kutarisira vakoti kudarika maawa 100 kana kuti chipatara chinochengetedzwa nenyanzvi zvokurapa icho Medicara anofukidza, mishonga inonyorwa nachiremba, magirazi, uye zvinobatsira kunzwa.
Kukodzerana: Medicare naMedhicaid Pamwe Chete
Vanhu vazhinji vanokwanirisa nokuda kwavose vari vaviri Medicare naMedicaid, vanozivikanwa sava “nokwakakodzera. ” Medicaid inogovera chinyorwa choutano kuvakura vakaderera vane mamirioni 7,2 vanonyorwawo muMedicare uye vanhu vane mamirioni 4,8 vane urema avo vakanyoreswa muMedicare, navanhu vane mamirioni 12 muhwerengedzo kuva vakakodzera mumativi maviri uye vakanyorwa mupurogiramu dzose dziri mbiri.
Nhamba mbiri dzevari kukwanisa kubhadhara mari dzinobhadharwa nembiri dzinoshanda pamwe chete kuti dzipedzise zvose. Paunoshanyira mubekisi anotora Medicare naMedicaid, Medicare anobhadhara mari yokutanga nokuda kwemari yokutarisira kwako, uye Medicaid anobhadhara yechipiri, mari inobhadharwa, mari inobhadharwa nemari isingavhariswi. Iyi purogiramu inogona kuderedza zvikuru mari inotarwa vanhu vakuru nevakaremara.
Gadziriro Dzokuchengetedza Dzamadhindikisi
Mitengo Yokuchengeta Inobetsera Kubhadharwa kwakaderera kweMadicare vanobhadharwa nokuda kwemitengo yeMedicara, inotsarukana, uye mari. Vamwe vabhadhari vanokwana vaviri vangakwaniriswa nokuda kwebetsero kubhadhara mari dzeMedicare kupfurikidza neMedicare Savings Program, iyo inovavarira kubetsera vanhu vanowana mari yakaderera kuchengetedza mari pandyiko dzechipaipi yakabatana neMedicarare, nepurogiramu imwe neimwe ine muganhu wemari yakasiana neyamupidhigi.
Chirongwa Chokuyamura Nezvokudya Zvomumuviri (SNAP)
Somupiyuta weMitengo yeNyutition Application Program, inozivikanwa navose seSNAP kana kuti zviteshi zvezvokudya, inobetsera vanhu vanotambira mari shoma uye mhuri kutenga zvokudya. SNAP ipurogiramu hurusa yezvokudya zvomubatanidzwa, ichibatira mamirioni eAmerica mwedzi mumwe nomumwe. Purogiramu yacho inogovera betsero dzomwedzi nomwedzi dzakatutirwa pakadhi reElectronic Republic Republiques (EBT) rinogona kushandiswa kuvatengesi vezvokudya vanobvumirwa kutenga zvokudya zvinokodzera.
KUSAORA
SNAP inotsamira pamari inowanwa mumba, zviwanikwa, uye ndyiko dzakati. Kazhinji kazhinji, mhuri dzinofanira kusvitsa zvose zviri zviviri miganhu yemari inotambirwa namambure, iyo yakabatana nomwero wourombo wehurumende. Chitsama cheSNAP chinobetserwa nemhuri chinotsamira paukuru hwemhuri, mari, uye kuderera kwendyiko dzinobvumirwa nokuda kwendyiko dzakadai sedzimba nokutarisira vana.
PAMUSORO dzeSNAP dzinogona kushandiswa kutenga zvokudya zvizhinjisa nokuda kwokugadzirira pamusha, kubatanidza michero, miriwo, nyama, zvinhu zvomukaka, chingwa, zviyo, uye mbeu nemiti zvinobereka zvokudya. Purogiramu yacho haipfudzi chinwiwa chinodhakisa, fodya, zvokudya zvinopisa, kana kuti zvokudya zvisiri zvokudya.
Urongwa Hwemabhakitiriya Chaihwo
Vamwe vanhu vakwegura (vane makore 60 uye vakaremara) vangakwanisa kuwana mari yakakwira uye kuderedza zvimwe zvinhu.
Vadzidzi, vakuru vanokwanisa vasina vanotsamira, uye vatami vanotarisana nezvinodikanwa zvokuwedzera. Kunzwisisa iyi mitemo chaiyo kunokosha nokuda kwokusarudza kana iwe kana kuti mitezo yemhuri yako ichikwanirisa nokuda kwebetsero.
Purogiramu Dzokuyamura Dzimba
Gadziriro dzemari dzokuyamura dzimba dzinobatsira mhuri dzinowana mari shoma, vanhu vakwegura, uye vanhu vakaremara vane imba yakachengeteka uye yakanaka.
Chikamu 8 Chirongwa Chokusarudza Dzimba
Dare Rokusarudza Imba Voucher Program, rinowanzonzi Chikamu 8, ipurogiramu huru yehurumende yehurumende yokubetsera mhuri dzinowana mari yakaderera zvikuru, vakwegura, uye vanhu vakaremara kuti vawane pokugara mumisika yavo. Vatori vemo kazhinji kazhinji vanobhadhara 30% yemari yavo yemwedzi nomwedzi yakagadziridzwa kurendiswa nechero yemari, neainenge aiisa musiyano unotsamira pamupimo wemari inobhadharwa nesangano redzimba romunharaunda.
Mavouch anotakurika, kureva kuti mhuri dzinogona kuzvishandisa kupi nokupi muUnited States uko muridzi wenzvimbo anogamuchira Chikamu 8 chezvibvumikiso.Izvi zvinobvumira mhuri kusarudza pokugara panosvitsa zvinodikanwa zvadzo panzvimbo pokuganhurirwa kuzvinoitika zvakati.
Dzimba Dzavose
Dzimba dzavose dzinogovera dzimba dzamarendi dzakaisvonaka nedzakachengeteka nokuda kwemhuri dzinobhadharwa mari shoma dzinodikanwa, vakweguru, uye vanhu vane urema. Dzimba dzavose dzinouya muukuru hwakasiana - siana nemarudzi, kubva mudzimba dzemhuri imwe kusvikira kumafurati akakwirira emhuri dzakwegura. Masangano edzimba dzomunzvimbomo anotarisira fambiro mberi dzedzimba dzavose uye anosarudza kuva asina maruramiro akavakirwa pamiganhu yemari yakagadzwa neHud.
Purojekiti yeYamuro Yakavakirwa Patsinga
Gadziriro dzeyamuro dzinoiswa panzvimbo yerendi dzinogovera dzimba dzinodhura kupfurikidza nokuisa rendi muzvivako zvakati kana kuti zviitiko. Kusafanana neHouse Chouchers, betsero yacho inosungirirwa kuboka panzvimbo peyapamuri. Kana munhu anofamba, haagoni kutora nzvimbo duku, asi imwe mhuri inokodzera inogona kutamira muboka duku.
Betsero Yechinguvana Nokuda Kwemhuri Dzine Kushayiwa (TANF)
Ruyamuro rwechinguvana nokuda kwemhuri Dzine Vane chikwereti runogovera betsero yemari namabasa anotsigira kubetsera mhuri dzinowana mari dzakaderera dzine vana dzinowana kusakwanisa. TANF ipurogiramu inopa chirongwa, kureva kuti hurumende yehurumende inogovera mari kunyika, iyo inoronga nokushandisa purogiramu dzadzo dzimene mukati menhungamiro dzomubatanidzwa.
TANF Zvirongwa Nemabasa
TANF ine zvinangwa zvina zvikuru: kugovera betsero kumhuri dzinoshaiwa kuti vana vagogona kutarisirwa mumisha yavo vamene, kuderedza kutsamirana kupfurikidza nokusimudzira kugadzirira basa nebasa, kudzivisa mimba dzapamabhoro, uye kukurudzira kuumbwa nokugadziridzwa kwemhuri mbiri dzinoberekwa. Mitengo inoshandisa mari yeTANF kugovera betsero yemari, yamuro yokutarisira vana, rovedzo yebasa, tsigiro yebasa, uye mamwe mabasa akagadzirirwa kubetsera mhuri kuva dzinozvibetsera.
Zvinodikanwa Zvebasa Neganhuriro Dzenguva
Vagamuchiri vazhinjisa vanodiwa kutora rutivi mumabasa, uko kunogona kubatanidza basa, kutsvaka basa, kurovedza basa, kana kuti basa romunzanga. mutemo weFederal unoisa ganhuriro yemwedzi 60 yebetsero inotsigirwa nehurumende, kunyange zvazvo hurumende dzichigona kubvisa 20% yemhosva dzadzo paiyi ganhuriro uye dzinogona kushandisa mari yehurumende kugovera betsero inopfuura mwedzi 60.
Vakadzi, Vacheche, uye Vana (Wic)
Special Nutrition Program yaVakadzi, Vacheche, uye Children (WIC) inogovera mari yehurumende nokuda kwezvokudya zvokuwedzera, mahedhendi, uye dzidzo yezvokudya nokuda kwenhumbi dzakaderera dzine pamuviri, kuyamwisa, uye vakadzi vanobereka, uye kuvacheche navana vane makore mashanu vari mungozi yezvokudya zvinovaka muviri.
Betsero Huru Namashandiro
WiC inogovera zvokudya zvakati zvinovaka muviri kuzvokudya zvevatori rutivi, kubatanidza mukaka womucheche, mukaka, chizi, mazai, bhodhoro, doviti, bhinzi dzakaomeswa, michero, uye miriwo. Purogiramu yacho inogoverawo dzidzo yezvokudya zvinovaka muviri uye kupa zano, tsigiro yokuyamwisa, uye mahetrary kuutano namabasa enzanga.
WiC haisi purogiramu inopa kodzero, zvinoreva kuti Congress haiisi mari inobvumira munhu wose akakodzera kuti atore rutivi. Panzvimbo pezvo, WiC ipurogiramu inobvumira hurumende inobvumira kuti Dare ritenderedze chitsama chakati chemari gore rimwe nerimwe. Kana nhamba yevanenge vakwiridzwa inopfuura simba repurogiramu, gadziriro yokutanga inoshandiswa kubatira avo vari pangozi hurusa yezvokudya.
Inishuwarenzi Yeurovha
Inishuwarenzi yeurovha inopa tsigiro yemari yechinguvana kuvashandi vanorasikirwa namabasa avo pasina mhaka yavo vamene. Purogiramu ibatira pamwe yehurumende, ine hurumende dzinoshandisa mapurogiramu adzo dzimene munhungamiro dzehurumende. Vashandi vanobhadhara mugadziriro yacho kupfurikidza nokubhadhara mitero yemitero, uye vashandirwi vanopawo mupiro.
Kukwanisa Kubudirira uye Kubatsirwa
Kuti vakwanirise nokuda kwebetsero dzourovha, vashandi vanofanira kusvitsa zvinodikanwa zvehurumende pamusoro penhau yavo yebasa nemari inotambirwa. Kazhinji kazhinji, unofanira kuva wakashanda kwenhambo yakati ndokuwana chitsama chiduku mukati menhambo yakaderera usati wava asingashandi. Unofanirawo kukwanisa uye kuwanika kubasa nokutsvaka basa nokushingaira.
Betserwa zvitsama nourefu zvinosiana nehurumende asi zvakavakirwa zvikurukuru pamari yako yapfuura. Nyika zhinjisa dzinogovera betsero nokuda kwamavhiki 26, kunyange zvazvo ikoku kuchigona kurebeswa mukati menhambo dzourovha hwakakwirira. Vagamuchiri vanofanira kupfuurira kusvitsa zvinodikanwa zvokusafara, kubatanidza kushuma mibato yokunzvera basa nokugamuchira basa rakakodzera rinopiwa.
Vadyi Vanobetserwa
Department of Veterans Affairs (VA) inogovera mhatsa huru yebetsero kuvarwi vebasa nemhuri dzavo, kubatanidza kutarisirwa kwoutano, muripo wourema, dzidzo nerovedzo, zvikwereti zvemusha, inishuwarenzi youpenyu, uye betsero dzokuviga. Kuzivikanwa kunosiyana zvichitsamira pazvinhu zvakadai sourefu hwebasa, mugariro wokuremara, chiyero chourema, uye mari.
Kurapwa Neva
Nzvero youtano yeva inogovera betsero huru dzezvokurapa kunyanzvi dzagara nebasa dzinokwanisa kupinda neVa, makiriniki aipfuura, uye vagoveri venzanga. Kutanga nokuda kwezvoutano hwevava kwakavakirwa pazvinhu kubatanidza urema hwakabatanidzwa nebasa, mwero wemari, nezvimwe zvinhu zvinokosha. Dzimwe nyanzvi dzinowana tarisiro yapachena youtano, nepo dzimwe dzingadikanwa kuti dzibhadhare mari yadzinowana.
Kushatiswa
Mari yeva urema inogovera mari yemitero yemwedzi nomwedzi kuvarwi vane urema hunobatanidzwa nebasa ravo rehondo. Chitsama chinotsamira paukombi hwehurema, hunoiswa kubva pa0% kusvikira ku 100% muuwandu hwe 10%. Varemikoro vane remaremavha anowana mari yakakwirira zvikuru mwedzi nomwedzi, uye mari yokuwedzera inowanika kuvarwi vane vamiririri kana kuti vane urema hwakakomba hwakanyanya.
Dzidzo Inobetsera
ZVITAURO zvedzidzo zveGI Bill nedzimwe vaVa zvinobetsera vagara kwenguva refu, mitezo yebasa, uye mhuri dzavo vanobhadhara nokuda kwekoreji, rovedzo yebasa, uye mamwe mapurogiramu edzidzo. Post-9/11 GI Bill, betsero yakakwana zvikurusa yedzidzo, inogona kufukidza ndyiko yakazara yemumaruwa pakoreji dzavose, kugovera mari yedzimba dzegore nomwedzi, uye mabhuku echifukidzo nemigove.
Mubayiro Wemutero Waibhadharwa Nevanhu Vane Mutoro (EITC)
Inichove Recom Leach Iscer inobhadhara mutero unobhadharwa nokuda kwemari yakaderera inoshandiswa nemhuri. EITC inoderedza chitsama chechikwereti chemitero uye ingaguma neridzo, kunyange kana pasina mutero. Chitsama chechikwereti chinotsamira pakuwana mari, mamiriro ezvinhu, uye nhamba yevana vanokwaniriswa.
KUNAMATA NEBVUNZO
Kuti ukwaniriswe nokuda kweEITC, unofanira kuva wakawana mari kubasa kana kuti kushandira basa, unosvitsa miganhu yakati yemari inotambirwa, uye unoita zvimwe zvinodikanwa. Vashandi vasina vana vanogona kukwaniriswa nokuda kwechikwereti chiduku. EITC yakarongedzerwa kuwedzera mibhadharo yavashandi vanotambira mari shomanene ndokukurudzira basa.
Rubatso rwacho runogona kudzorwa, kureva kuti kana chikwereti chacho chikapfuura chitsama chemitero yaakakweretesa, mubhadhari wemitero anogamuchira musiyano wacho sechinobhadharwa.
Kubhadhara Mutero Kwavana Nechikwereti Chevana
Child Tax Creator inopa chikwereti chechikwereti nokuda kwemwana mumwe nomumwe ari pasi pemakore 17. Chitsama chechikwereti chinofambirana nemari yakakwirira.The Extension Child Taxis Created Ice chikamu chinobhadharwa cheChild Tax Cream, chinowanika kumhuri dzisingakwereti mitero yakakwana kuti dziwane chikwereti chakazara.
Kukodzera Kupiwa Mitero Yevana
Kuti anzi Child Tax Creator Creator, mwana anofanira kusangana nemedza dzinoverengeka, kubatanidza ukama, zera, kugara, tsigiro, uye nzvimbo inotsamira pamunhu. Mwana anofanira kuva mwanakomana wako, mwanasikana, muzukuru, muteveri, munun’una, mukoma, mukoma, kana kuti muzukuru weidzi. Mwana anofanira kuva pasi pemakore 17 pakupera kwegore remutero uye anofanira kuva akagara newe kweinopfuura hafu yegore.
Chirongwa Chokuyamura Nesimba Pamusha Chiri Kubhadharwa Zvishoma
ZVINOTAURWA nevedzimba dzinowana mari shoma zvinobatsira kubhadhara mari yakaderera inodziyisa nokutonhodza, uye zvinobatsira panguva yenjodzi dzinokonzerwa nemagetsi. Purogiramu yacho inobhadharwa nezvipo zvehurumende, izvo zvinogadzira nokushandisa mapurogiramu azvo zvichishandisa mirayiridzo yehurumende.
Vashandi Vamadhigirii
ZVINOTAURWA ZVOKUDYA ZVINOPARADZA ZVINODHAKA ZVEPFUNDO ZVINGAbatsira pakudziyisa nokutonhorera, kushaya simba, kugadziriswa kwemagetsi epamusha, uye kupa mazano emari inoenderana nemari inoshandiswa. Kubudirira kwakavakirwa pamari inowanwa, uye kupiwa kumhuri dzine mari yakaderera zvikuru uye dzinoda magetsi kana kuti zvinodiwa, kunyanya idzo dzine nhengo dzine njodzi dzakadai sevana vaduku, vanhu vakwegura, kana kuti vanhu vakaremara.
Kushandisa Nokuda Kwebetsero: Kurangarira Kunokosha
Zvinoda kuti unzwisise mashandisiro aunoita, utore mapepa anodiwa, uye urambe uchiziva kodzero dzako uye mabasa aunofanira kuita kuti uwane.
Zvinodiwa Pakunyora
Gadziriro zhinjisa dzenzanga dzinoda mapepa akakura kubvumikisa kuva anoshanda. Magwaro anozivikanwa navose anobatanidza chibvumikiso chezivikanwo (rezenisi romurwi, pasipoti, gwaro rokubereka), nhamba dzeSangano reNzanga nokuda kwemitezo yose yemhuri, chibvumikiso chemari inowanwa (kubhadharwa, mitero inodzorwa, mashoko ebetsero), chibvumikiso chezviwanikwa (mashoko ebhangi, maakaundi ezvemari), uye chibvumikiso chendyiko (maripic, mabhiriti ezvishandiro zvemari, zvikwereti zvekurapa).
Kuunganidza magwaro aya usati watanga kumbiriso yako kunogona kufambisa muitiro ndokuderedza kunonoka. Chengeta makopi ezvinyorwa zvose zvaunoisa, uye chengeta faira yetsamba navatarisiri vepurogiramu.
Zvirongwa zveDzirudzo
Zvirongwa zvekushandisa zvinosiyana - siyana nepurogiramu. Kutsvaka vanhu vakachengeteka neMedicare anogona kupedzwa paIndaneti pawww.ssa.gov, pafoni, kana kuti pamunhu pahofisi yeSocial Security. Zvirongwa zvemacemist zvinoiswa pachishandiswa masangano ehurumende kana kuti masangano eHealth Inshorence MClemest. Zviwadhi zveSSAP zvinogadzirwa nehurumende kana kuti masangano omunzvimbomo, kazhinji kacho nezvirongwa zvokumbirisora zvinowanika paIndaneti.
Mapurogiramu akawanda ane nguva chaiyo yokunyoresa, nguva dzegore Negore dzokunyoresa, uye nguva chaiyo yokunyoresa. Kunzwisisa nguva idzi dzinokosha kuti udzivise mikana yokubhadharwa kana kuti kunonoka kunyoresa.
Kukumbira uye Kukumbira
Kana kukumbira kwako kuchirambwa kana kuti usingabvumirani nokutsunga kunobetsera, une maruramiro okufadza. Purogiramu imwe neimwe ine muitiro wayo yokukumbira ine nguva dzakananga nemiitiro. Kazhinji kazhinji, unofanira kunyora kukwirira kwako mukati mechiverengero chakati chamazuva pashure pokugamuchira ziviso yokuramba.
Muitiro wokukumbira unobatanidza nomutoo wakatanhamara mwero mizhinji, kutanga nokurangarirazve kana kuti hwirudzuro isina kurongwa, sezvingabvira kufambira mberi kukutongwa pamberi pomutongi womutemo wehurumende, uye sezvinobvira kupfuurira kudare rehurumende. Kuva negwaro rokutsigira nhau yako nokunzwisisa zvikonzero zvakati zvokuramba kunokosha kukukwirira kunobudirira.
Kushuma Kuchinja Kwakaitika
Zvirongwa zvizhinjisa zvinoda kuti ushuma chinjo mumigariro ingatapura kuva kwako akabudirira kana kuti chitsama chebetsero. Chinjo dzinozivikanwa navose dzinobatanidza chinjo mumari inowanwa, kunyorwa kwemba, kero, mugariro webasa, kana kuti zviwanikwa. Kukundikana kushuma chinjo dzinogona kuguma nokuripirwa mari yakanyanyokosha kuti uchadikanirwa kuripira, kana kuti kuripirwa pasi uko kungakusiya usina maruramiro okugamuchira.
Kuzvidzivirira Paunyengeri Nemanomano
Zvinosuruvarisa kuti vanhu vanoita zvechitsotsi vanowanzobirira vanhu vanenge vachitsvaka kana kuti vachiwana betsero dzehurumende.
Kushandiswa Kwenzira Yokuchengetedza Nzanga Kunozivikanwa Navose
Masangano eSocial Security haabhadhari, uye hapana sangano rehurumende kana kuti kambani ine mukurumbira wakanaka ichakumbira mashoko ako kana kuti mari yakakwirira yemabasa aunopiwa muchimiro chokufambisa waya kana kuti makadhi okupa zvipo, naizvozvo unofanira kudzivisa kuva nyajambwa wenhepfenyuro dzokunyengera uye gadziriro dzokushandisa betsero dzepaInternet kupfurikidza nokusazivisa mashoko omunhu oga ane ngozi, kana kuti kusavhura batano dzakashata.
Vanyengeri vangataura kuti nhamba yako yeNzvimbo Yechengeteko Yenzanga yaregwa, kuti une chikwereti chemari kuSocial Security Administration, kana kuti unofanira kusimbisa mashoko ako kuti upfuurire kugamuchira betsero. Yeuka kuti Social Security Administration haisati ichizotongokutyisidzira, kuraira muripo wekurumidziro, kana kuti kuraira kubhadharwa nekadhi rechipo, kadhi rinobhadharwa pachibharo, kana kuti tambo yokutakurwa newadhi.
Kubiridzira Kwemadhikisi uye KwechiMedicaid
Kubiridzira kweMedicare neMedicaid kunogona kuva nezvimiro zvakawanda, kubatanidza kuba zviziviso, kubhadharira nokuda kweminamato isingaitwi, kugovera mabasa asina kufanira, uye kushatisa mabasa anopiwa. Dziviridza nhamba dzako dzeMedicare neMedicaid sezvawaizoita nhamba dzemakadhi ako echikwereti. Nzwisisa munhu upi noupi anopa mishonga yapachena kana kuti mabasa mukutsinhana nenhamba yako yeMedicara kana kuti Medicaid.
Dzokorora Mipeto Yechikamu cheMitemo neProplanication of Beasue. Kana ukaona mutengo wemabasa ausina kugamuchira kana kuti kuvapa zvokudya zvausina kushanyira, kurumidza kuudze kutsoropodza kwepurogiramu.
Kudzivirira Mashoko Ako
Usambopa nhamba yako yeSocial Security, Medicare nhamba, kana mamwe mashoko ako oga kune mumwe munhu anokunyorera usina kukumbira. Masangano ehurumende epamutemo haasati achizoridzira runhare, email, kana kuti mameseji aunobvunza mashoko aya. Kana usina chokwadi kana onano iri yapamutemo, nyudzai uye ridza runhare zvakananga uchishandisa nhamba yorunhare yaunowana uri woga, kwete imwe inogoverwa nonhetembo.
Betsero Itsva Yemitero Kuvakura Muna 2026
Kurega mitero itsva yevanhu vane makore 65 nevakuru kungaderedza kana kuti kuderedza zvizere mitero yemari inobhadharwa nevechikuru veAmerica muna 2026, nokuderedza kuderera kushoma kwemari inobhadharwa nemitero ne $6 000 nokuda kwevanofanira kubhadhara mitero.
Vagadziri vemitambo vamwe navamwe vane mari yakagadziridzwa inokwana $75 000 kana kuti varoorani vanoungana pamwe chete ne MAGI yeUS $50 000 yeUS $6 000 (Z $56 000) inogona kutora mari yakazara, nepo vanhu vane mari inosvika ku $175 000 nokuda kwemafaira asina kuroora kana kuti $50 000 nokuda kwevaroorani vanogona kuderedza mari. Iyi mari inoderedzwa yechinguvana inosvika mugore remitero ra2028 uye inogona kugovera mari yemitero chaiyo nokuda kwavakura vakakodzera.
Kuronga Remangwana: Kuwedzera Zvaunobatsirwa Nazvo
Kuronga zvakanaka kunogona kukubatsira kuwedzera kubatsira kwaunoita mumapurogiramu okubatsira vanhu muupenyu hwako hwose.
Betsero Dzakawanda Dzinosimbisa
Vanhu vakawanda vanokodzera mapurogiramu akawanda panguva imwe chete. Kunzwisisa kuti mapurogiramu anogona kukubatsira kuti uwane betsero dzose. Somuenzaniso, kugamuchira betsero dzeSNAP hakukudzivisi kugamuchira Social Security, uye kunyoreswa muMedicare hakukutadzisi kuita Médicaid kana ukaita zvinodiwa nemari.
Somuenzaniso, mamwe marudzi emari inotambira kumiganhu yepurogiramu dzemitemo. Kushanda nomupi wezano kana kuti mushandi wenzanga anogona kukubatsira kunzwisisa kufambidzana uku uye kuita zvisarudzo uchiziva.
Miitiro Yokuronga Yenguva Refu
Kuda Kuchengeteka Kwenzanga, rangarira nenzira yokungwarira urongwa hwako hwokutaura. Nepo kutaura kuti unokurumidza kugovera mari nokukurumidza, kumirira kunogona kuguma nebetsero dzakakwirira zvikuru dzoupenyu, zvikurukuru kana une nduramo refu. Varoorani vanofanira kuronga nzira dzavo dzokutaura kuti vawedzere betsero dzinopukunyuka.
Nokuda kweMedicare, hwirudzura zvisarudzo zvako zvegore negore mukati meNguva yokunyoresa kwegore negore. Kutarisira utano hwako kunoda uye gadziriro dzinowanika dzinochinja nokufamba kwenguva, uye kuchinja rongedzero kunogona kuguma nokufukidzwa kuri nani kana kuti ndyiko dzakaderera. Enzanisa neMidicare Benior, gadziriro dzeMedicas Expression, uye Frand Medicare kuwana makwara akanakisisa nokuda kwemamiriro ako ezvinhu.
Kuramba Uchiziva
Zvirongwa zvenzanga zvinochinja kazhinji kupfurikidza nemitemo, mira udzore mirau. Kuziva nezvechinjo dzinotapura betsero dzako kunokosha. Ita akhawunti ye yeSacutiwer [ kuti uwane chinyorwa chako chemari yaunotambira, fungidziro dzinobetsera, uye zviziviso zvinokosha paIndaneti. Simira kuti ugadzirise maemail kubva kuSocial Security Administration, Medicare, uye mamwe mapurogiramu aunoitawo.
Tsvaka website dzehurumende nokuda kwakarurama, kusvika kumisi ino. Social Security Administration (] www.ssa.gov), Mecare ( www.mecare.v), uye Begitsw.
Kutsvaka Betsero Younyanzvi
Zvirongwa zvenzanga zvinogona kuva zvakaoma, uye rubatsiro rwenyanzvi runowanzova runokosha. Mahofisi eSacutation Security Administration anogovera rubatsiro rwapachena nemibvunzo yeSocial Security neMedicas. State Health Inshuwarence Applications programs (Ntope) inopa mazano ezvemari pachena. Masangano ezvemitemo anogona kubetsera kukwirira uye kukurumidza kuva nenhau dzakaoma.
Nepo vamwe vanamazvikokota vezvemitemo, vakadai semagweta evakuru kana kuti varongi vezvemari, vachivabhadharira zviri pamutemo nokuda kwebasa ravo, haumbofaniri kubhadhara mumwe munhu kuti akubatsire kukumbira kubatsirwa nokuda kwezvikomborero zveSocial Security kana kuti Medicare, sezvo mabasa aya achipiwa pachena neSocial Security Administration.
Zviwanikwa Zvemamwe Mashoko
Pane zvinhu zvakawanda zvinokubatsira kunzwisisa uye kuwana mapurogiramu okubatsira vanhu:
Sacial Security Administration: Shanyo pawww.ssa.gov kana kuti kudana 1-800-771213 (TTY 1-325-025-078) nokuda kwamashoko pamusoro pekurega basa reNzanga yenzanga, urema, uye betsero dzakapukunyuka, pamwe chete neMedicare.
medicare: Shanyo pawww.medicare.gov kana kuti kudana 1-800-MEDICARE (1-633-427, TTTY 1 8877-48-208) nokuda kwamashoko pamusoro peMidicare, ndyiko, uye kunyoresa.
Medicaid: nyorera hofisi yako yehurumende Medicaid nokuda kwamashoko pamusoro pekudzoreka nebetsero munyika yako. Wana sangano rako rehurumende paMedicaid.gov.
SNAP: Sarudza nyika yako kana kuti hofisi yomunzvimbomo SNAP kuti ishandiswe nokuda kwebetsero. Wana hofisi yomunzvimbomo pawww.fns.usda.gov/snap/directory-state.
Benefit.gov: Iyi website inogovera chishandiso chinobetsera kuwana icho chinokubetsera kuziva mapurogiramu aungakodzera kutsamira pamamiriro ako ezvinhu.
State Health Insolance Programs (Inganwa): Zvirongwa izvi zvinogovera zano rapachena reMedicare. Wana chikepe chako chomunzvimbomo pawww.pthelp.org kana kuti kupfurikidza nokudana 1 8877 83-2675.
Kutsvaka mutengo wevakuru: Kuridza 1-800-117 kana kuti shanyira www.elestrate.acl.gov kuti uwane mari dzomunzvimbomo nokuda kwavakuru, kubatanidza kupa zano rebetsero, yamuro yapamutemo, uye mabasa anotsigira.
mhedziso
Gadziriro dzenzanga dzinoumba dziviriro inokosha inotsigira mamiriyoni evaAmerica kupfurikidza nokurega basa, urema, kurwara, kushaya mabasa, uye zvimwe zvinetso. Kunzwisisa izvi (kubatanidza Social Security, Medicare, Medicaid, SNCAId, yamuro yedzimba, uye zvimwe zvirongwa zvakawanda zvokuwana betsero dzawawana kana kuti kukwaniriswa maererano nemamiriro ako ezvinhu.
Kugara uchiziva nezvechinjo idzi, kunzwisisa kodzero dzako uye mitoro, kuchengeta zvinyorwa zvakarurama, uye kutsvaka rubatsiro paunenge uchidiwa kuchakubatsira kushandisa mapurogiramu aya zvinobudirira uye kuwedzera kubatsira kwaungawana iwe nemhuri yako.
Kana uchironga nokuda kwokurega basa, uchitarisana neurema, uchitambura nhamo yemari, kana kuti uchibetsera mutezo wemhuri kupinda mumabasa anodikanwa, mashoko nezviwanikwa zvakarongwa muiyi nhungamiro zvinogovera hwaro hwenzwisiso nerokupinda mapurogiramu enzanga yeAmerica. Zvitore nguva yokunzvera mapurogiramu anowirirana nemamiriro ako ezvinhu, unganidza mapepa anokosha, uye usazengurira kusvika kuvatungamiriri vepurogiramu kana kuti vapi zano kuti vakubatsire. Zvirongwa izvi zviripo kuti zvikutsigire paunenge uchinyanya kuda kuawana inhano yokutanga yokuwana rubatsiro rwaunofanira kuiwana.