Zvinoda Vagari Vemo Kuziva Nezvebetsero Dzehurumende Nemashandiro Avanoita

Act yeCare Care (ACA) yeUnishuwarenzi yezveUtano inobvumira vanhu nemhuri kutenga nokuda kwegadziriro dzeinishuwarenzi youtano uye ingagona kukwaniriswa nokuda kwechikwereti chemari inobhadharwa nedzinoderedza mari yakavakirwa pakuwana mari. Nguva dzokunyoresa dzinoitika gore negore, kunyange zvazvo kukwanirisa zvinoitika zvoupenyu kuchigona kunyandura mikana chaiyo yokunyoresa.

Gadziriro Dzokuyamura Nezvokudya

Kusachengeteka kwezvokudya kunotapura mamirioni eAmerica, uye gadziriro dzehurumende dzezvokudya zvinovaka muviri dzinogovera tsigiro yakakomba kuvimbisa kuti mhuri dzine zvokudya zvakakwana, zvinovaka muviri.Vagari vemo vanogona kuwana zvokudya zvinovaka muviri kupfurikidza neSNAP (zvitambi zvezvokudya), WIC nokuda kwavakadzi, vacheche, uye vana, uye betsero yezvokudya yokukurumidzira.

Supplial Inflution Information Program (SNAP), inozivikanwa navose sezviteshi zvezvokudya, inomirira gadziriro hurusa yeyamuro yenyika yezvokudya. SNAP inogovera betsero dzomwedzi nomwedzi dzakatutirwa muElectronic Refectronicture Republic Information (EBT) kadhi rinogona kushandiswa kutenga zvokudya zvinofanira kuvatengesi vanotenderwa.

Special Inútrition Program yavakadzi, vacheche, uye vana (Wic) inoshumira vakadzi vane pamuviri, vanamai vatsva, uye vana vaduku kusvika pamakore mashanu vari mungozi yezvokudya. Wic zvino inobatira vanopfuura mamirioni 8 vane pamuviri neapo partution Program yepartum, vacheche, uye mhuri muUS, uye nokuda kwemhuri kuitora kunofanira kuva nemari yakakomba isingapfuuri 185 muzana yemwero wourombo womubatanidzwa uye kuva mungozi yezvokudya. Wic inogovera zvokudya zvakati kuti zvinovaka muviri, zvinovaka muviri, zvinotsigira, uye zvinopa utano.

Programs dzeChirairo dzinova nechokwadi chokuti vana vanobva mumhuri dzinowanika vanogamuchira chisvusvuro chinovaka muviri uye zvokudya zvemasikati mukati megore rechikoro. National School Lunch Program neSchoop of School Frast Program inoshanda muzvikoro zvevoruzhinji nezvisingapinyi zvemariro zvezvikoro zvehurumende uye masangano okutarisira vana.

Zvirongwa zvezvokudya zvinovaka muviri zvinosanganisira Emergency Food Alternation Program (TEFAP), iyo inogovera zvokudya zvekurumidziro kuvagari veAmerica vanogamuchira zvishoma kupfurikidza namabhangi ezvokudya nehomwe, uye Child and Adult Care Food Program (CACFP), iyo inogovera zvokudya nezvokudya zvinodyira zvokudya mugadziriro dzokutarisira masikati nenzvimbo dzokutarisira vakura.

Kubatsira Nokutsigira Dzimba

Zvirongwa zvehurumende zvinogovera mapurogiramu okurenda nokutenga rubatsiro, dzimba dzekurumidziro, uye betsero yokudzivisa kudzingwa.

Kusarudza Mutemo (Ukuru) . inomirira gadziriro huru yehurumende yehurumende yokubetsera mhuri dzinowana mari yakaderera zvikuru, vakwegura, uye vanhu vane urema mukubhadhara zvakanaka, zvakakotsekana, uye dzimba dzoutsanana mumusika. Iyi purogiramu yehurumende inoderedza ndyiko dzokurenda nzvimbo dzapachivande nokuda kwemibereko yakaderera zvikuru, kubatanidza vakwegura kana kuti vakaremara, nehurumende inobhadhara rutivi rwerendi zvakananga kumuri weimba uye varendi vanoripira muridzi wavo musiyano.

Zvisarudzo zvedzimba zvinotsigirwa nehurumende asi zvinogoverwa nemasangano edzimba omunharaunda (PHA), uye kazhinji kazhinji, mhuri dzine mari isingapfuuri 50% yemari inotambirwa nezvinobudisa nhau munyika yadzo kana kuti guta. Nemhaka yokuda kukuru, mapepa okumirira mapepa edzimba anogona kuva marefu munzanga dzakawanda.

House yePublic inogovera dzimba dzinoda mari dzinobhadharwa nokuda kwemhuri dzinowana mari shoma, vakwegura, uye vanhu vakaremara. Masangano edzimba omunharaunda anotarisira zvinhu izvi, nerendi inowanzorongwa pa30% yemari inogadziriswa pamwedzi.

Gadziriro dzokuva anoshanda dzinobetsera vanhu vanofanirwa nevanobhadhara mari yedzimba, dzinodzivisa kusava nedzimba uye kuva nechokwadi chedzimba dzakatsiga mukati menjodzi dzemari. Mapurogiramu aya akava anokosha zvikuru mukati mekuderera kwemari nengwavaira dzomusikirwo.

[[[FTL:0] Betsero dzeRetimente dzinogovera mari yemwedzi nomwedzi kuvashandi vakabhadhara mugadziriro yeNdengedzero yenzanga mumabasa avo ose. Chitsama chaunowana chinotsamira pamubhadharo wako woupenyu hwose uye zera raunotanga kuunganidza betsero. Paunenge uchivamba kuwana betsero dzakaderedzwa pakuvamba samakore 62, kumirira kusvikira zera rako rakazara repabasa kana kuti kunyange zera ramakore 70 zvinogona kuwedzera zvikuru muripo wako wemwedzi.

Nokuda kwaavo vanopfuurira kushanda vachigamuchira betsero dzeSocial Security vasati vasvika zera rakazara rokurega basa, ganhuriro dzemari dzinoshanda. Kana uri muduku kupfuura FRA yako mukati ma 2026, Social Security inofanira kubvisa $12 yemibayiro yako ye $2,2080 yemari yaunotambira kupfuura $44,2026 (Z $2,206), uye kana ukasvika zera rokurega basa rakazara muna 2026, vachabvisa $1 (Z $666) pamibayiro yaunowana pagore riri rose raunowana kupfuura $65,160 kusvikira pamwedzi waunosvika zera rokurega basa rakazara.

Sacial Security Inficurence (SDI) inogovera betsero kuvanhu vasingagoni kushanda nemhaka yemugariro wezvokurapa unokarirwa kugara rinenge gore rimwe kana kuti mugumisiro worufu. Kugona kunoda kuva washanda nokubhadhara mitero yeNzanga yeNyanga yeNyama kwenhambo yakati, nezvinodikanwa zvakati zvichitsamira pazera rako apo wakaremara.

Supplet Security Infit (SSI) inogovera mari yomwedzi nomwedzi kuvanhu vane mari yakaganhurirwa nepfuma vakaremara, mapofu, kana kuti zera ramakore 65 kana kuti kupfuura. Kusafanana neSSDI, SSI haidi nhau asi ine mari inoganhurirwa yapamutemo neyamutengi.

[ Betsero dzinopukunyuka [ dzinogovera miripo yomwedzi nomwedzi kuchirikadzi, chirikadzi, uye vanotsamira pavashandi vakafa. Idzi betsero dzinogona kuva dzinokosha nokuda kwemhuri dzakarasikirwa nomuriritiri mukuru.

Betsero Yechinguvana Nokuda Kwemhuri Dzine Kushayiwa (TANF)

TanF inozivikanwa segarikano, inogovera betsero yemari yechinguvana nebetsero dzemari kumhuri dzine vana. Chirongwa cheTANF chinogovera mhuri dzinowana mari shoma dzinokwanisa kuva nevana vane betsero yemari yechinguvana namabasa apachena, uye inogoverwa pamwero wehurumende, naizvozvo mabasa okutsigira anosiana asi anogona kubatanidza rovedzo yebasa, betsero yebasa nebetsero yetarisiro yavana.

TANF inosimbisa basa, mutoro, uye kuzvishandira. Hurumende dzakawanda dzinoda kuti vanhu vaidzwe mabasa, zvingasanganisira basa, kutsvaka basa, kurovedza basa, kana kuti basa renzanga. Nguva inoganhurirwa inowanzoganhurira kuti mhuri dzinogona kuwana rubatsiro rwemari rwakareba sei, zvichikurudzira kuchinja kuzvimirira mune zvemari.

Kuwedzera pakuwana mari, zvirongwa zveTANF zvinowanzobatsira vanhu vanobatsira vana, kuvabatsira pakufambisa, uye kuvapa mabasa.

Utera Nebetsero Yesimba

Mapurogiramu ehurumende anobatsira pakubhadhara foni, Internet, uye magetsi, uye mapurogiramu aya anoita kuti mhuri dzinowana mari shoma dzikwanise kuita mabasa anokosha kunyange panenge paine dambudziko remari.

Programs dzePensation dzinogovera mari yomwedzi nomwedzi kuvarwi venguva yehondo vane mari yakaganhurirwa yechigarire uye yakaremara chose chose, kana kuti avo vane makore 65 navakuru zvikuru.

Betsero Dzavashandi Vehurumende Nezvirongwa

Vashandi vehurumende nevanorega basa vane mukana wokuwana mari yakawanda inobatanidza inishuwarenzi youtano, zvirongwa zvokurega basa, uye mamwe mapurogiramu anokosha.

Gadziriro Yebetsero Dzoutano Dzavashandirwi VamaFederal (FEHB)

Kwa2026, purogiramu yeFEHB ichabatanidza vatakuri 47 nezvisarudzo 132, nepo PSHB Program itsva inofukidza vashandi veposvo nevakarega basa (h) ichagovera chose chose 17 vatakuri uye zvisarudzo 75. Uku kusarudzwa kwakafara kunobvumira vashandi vomubatanidzwa kusarudza gadziriro dzoutano dzinowirirana nezvinodikanwa zvomunhu mumwe nomumwe nemhuri.

Somushandi womuhurumende, unganyoresa muFEHB (uye kubatanidza mitezo ipi neipi yemhuri inokwaniriswa (nemazuva 60 okugadzwa kwako kwokutanga), uye kana usinganyoresi panguva iyoyo, unogona kunyora kana kuti kuita chinjo mukati menhambo yegore negore yeNguva Yakazaruka. Kunyoresa kunovimbiswa (8) hakuna bvunzo dzezvokurapa kana kuti nhambo dzokumirira dzinodikanwa.

Purogiramu yeFEHB inogovera marudzi anoverengeka okufukidza anobatanidza kuzvibatanidza umene bedzi, kuzvibatanidza iwe umene, uye zvisarudzo zvimene uye mhuri. Vashandi vanogoverana ndyiko dzemari inobhadharwa nehurumende, iyo inowanzobhadhara inenge 72% yendyiko yose inotengwa. Uyu mupiro womushandirwi unoita kuti FEHB ive isingadhuri zvikuru kupfuura zvisarudzo zvakawanda zveinishuwarenzi yomunhu oga.

Gadziriro Youtano Hwebasa Rapashure (PSHB)

Purogiramu yePpoal Service Health Benence inomirira chinjo huru nokuda kwavashandi veposvo navapunzi vemidyandigere. Purogiramu yePSHB inoitirwa zvikurukuru nokuda kwePpostal Service uye chinodikanwa che 2022 Service Reform Act, iyo yakaraira kuti OPM itange purogiramu youtano zvakananga nokuda kweUSPS pakasvika January 2025.

Musiyano unokosha pakati peFEHB nePHB unobatanidza kunyoresa kweMedicare.

Vashandi Vefekisi Vane Matsi Nemanzwiro Chirongwa Cheinishuwarenzi (FEDVIP)

Federal Gweennes Dental and Resoiser Program inopa vapindi vakakodzera chisarudzo pakati pezvisarudzo 21 zvegadziriro nokuda kwa 2026 (wedzero kubva muna 2025) uye 10 gadziriro dzezviono (zvimwe chetezvo negore rapera). Kusafanana naFEHB, hurumende haigoveri kumitengo yeFEDVIP, asi purogiramu inopa mwero yeboka yamakwikwi.

Kunyoresa kwezvokurapa, mazino, uye kuona kunopera kutoti ukachinja, asi unofanira kupetazve gore riri rose kuti uchengete mipiro yako yeFSA ichishanda. Uku kupfuurira kunokuita kuti kuve nyore kuchengeta bhaisikopo, kunyange zvazvo vashandi vanofanira kunzvera zvisarudzo zvavo gore negore mukati meNguva Yakazaruka kuva nechokwadi chokuti vane gadziriro yakanakisisa nokuda kwezvinodikanwa zvavo zvazvino.

Chirongwa Chokushandisa Mari Chichipfaviswa (FSAFEDS)

SAFEDS Purogiramu inobvumira kuchengetedza mari yemadhora asati apiwa nokuda kwezvinenge zvakakodzera utano uye kutarisirwa. Iyi purogiramu inogona kugovera mari yomutero inokosha kupfurikidza nokubvumira vashandi kubhadhara mari yezvinenge zvashandiswa pakurapa uye mari yokutarisira inotsamira pakutarisira nemari yemadhora asati abhadharwa.

FSAFEDS inobatanidza ndyiko yeUtano FSA (FCSA), Chinoganhurirwa Chinopa utano FSA (LEX HCFSA) uye Nhevedzo yeChapa FSA (DCFSA). HCFSA inofukidza mari yezvokurapa kwakakodzera, yemeno nemaziso zvisingabhadharwi kana kudzorerwa noutano hwako. REX HCFSFSA inowirirana neA yezvoutano hweutano hwemazi nendyiko yemaziso zvinodiwa. DCFSSA inogovera mari yendyiko dzezvitsamisiro zvevana nezvinotarisirwa zvezuva ravakuru.

Kusiyana nevanyoresi veinishuwarenzi youtano, kana uchinge wanyoresa uye uchida kuramba uchitora rutivi munguva yebetsero 2026, unofanira kudzokorora rugwaro rwemipumburu, sezvo kubhadharwa kweFSAFEDS kusingangoerekani kwaitika.

Purogiramu Yokuchengetedza Mazamu (TSP)

Thrift Savings Plan inobatira semari inochengetwa yokurega basa yehurumende yehurumende negadziriro yemari yokuisa mari, yakafanana ne 401(k) mukamba yavanhu. Vashandi veFederal vanogona kupa madhora asati asvika kana kuti Roth (pashure pemutero) kumaakaundi avo eTSP, nehurumende ichigovera mipiro inowirirana nokuda kwavashandi vakafukidzwa pasi peFederal Houseespencement System (VARENT).

TSP inopa mari yakawanda yemari, kusanganisira mari yezvibhasikoro zvinongochinja mari inogoverwa vanhu pavanenge vava kuda kupedza basa. Mibhadharo yokutarisira iri pasi inoita kuti motokari dzinochengetedza mari dzinoshanda dzinodhura dziwanike.

Kuvandudza kwazvino uno kunobatanidza Roth murongedzero. Kuvambira pamwedzi uno, chisarudzo charo muProte-plan chinowanika muAkhawunti yangu, kuchikubvumira kushandura mari kubva muchiyero chako chegamuchidzanwa (pamberi peta) kusvikira kuchiyero cheRTSP (pashure peta) munhau yako yeTSP. Uku kuchinja kunobvumira vatori rutivi kudzora mugariro wavo wemitero nomutoo wakarongeka.

Nzira Yokuwana Nayo Betsero Dzehurumende Nokushandisa

Kunzwisisa kuti chii chinokubatsira kuti ukwanise uye kuti unyore fomu racho kunogona kuita sekunotokuomera, asi pane zvakawanda zvaunogona kuwana kuti ubatsire vagari vemo kuwana rubatsiro rwavanoda.

Kushandisa Zvinhu Zvinobatsira

Unogona kushandisa chishandiso chinobetsera chokuwana kana kuti kutsvaka neboka kuti uzive betsero dzipi iwe nemhuri yako dzingava dzakakodzera nokuda kwadzo, kunzwisisa nzira yokushandisa nayo zvaunokwaniriswa nokuda kwadzo, uye kupindura mibvunzo mikuru kuti uwane ndaza yakarongeka yebetsero dzehurumende dzinobvira dzaungakwaniriswa nokuda kwezvinoitika zvoupenyu.

The federal government's Benefits.gov website serves as a comprehensive resource for exploring available programs. By answering questions about your household size, income, location, and circumstances, the benefit finder generates a personalized list of programs you may qualify for, along with information about how to apply.

Nyika dzakawanda dzakakudziridzawo zvishandiso zvadzo zvinobatsira kuwana zvishandiso uye zvishandiso zvakabatanidzwa. Zviwanikwa izvi zvakananga zvehurumende zvinogona kukubatsira kuziva nokushandisa mapurogiramu ose ehurumende nehurumende kupfurikidza nechiratidzo chimwe, zvichibatanidza muitiro wokushandisa.

Gadziro huru yeChirongwa cheChirongwa

Muitiro wokushandisa unobatanidza zvikurukuru kugovera fomu rokushandisa nokugovera mapepa kutsigira kuva kwako anokwanisa, zvakadai sechibvumikiso chemari yaunowana, zivikanwo, uye mamwe magwaro anokosha. Nepo zvinodikanwa chaizvo zvichisiana nepurogiramu, kusvuta kwakawanda kunoda mashoko makuru akafanana nezvinyorwa.

Mapepa anowanzodiwa kuti zvishandisirwe anosanganisira aya:

• Chibvumikiso chezivikanwo (rezenisi romuzinda, id yehurumende, pasipoti, kana kuti rugwaro rwokuberekwa)
• Nhamba dzeNzanga dzemitezo yose yemhuri
• Uchapupu hwemari yaunotambira (ripi rinotsiviwa, mabhadharo omutero, mashoko anobatsira)
• Uchapupu hwokugara (mabhiri okusabereka, zvibvumirano zvokurenda, zvibvumirano zvemba yokugara)
• Zvibvumirano zvebhengi uye mashoko pamusoro pezvinhu
• Magwaro okupinza (kana akashandiswa)
• Kunyora kwezvokurapa (kwezvirongwa zvine chokuita nokuremara)

Mapurogiramu akawanda ava kupa mafomu epaIndaneti, zvichiita kuti zvive nyore kukumbira kubatsirwa nevepamba, asi mari yacho ichiri kuwanikwa nemahofisi omunharaunda, masangano enzanga, uye masangano enzanga evaya vanoda kubatsirwa pakukumbira.

Nyika Nezviwanikwa Zvomunzvimbomo

Kunyange zvazvo mapurogiramu akawanda achibatsirwa nehurumende, masangano anowanzoashandisa achichinja - chinja maererano nezvinodiwa uye kuti anobatsira. Unogona kudzidza zvakawanda pamusoro pokuti ungakwanisa sei kuita mapurogiramu akati uye kunyorera nokuda kwemabasa paIndaneti kana kuti pane imwe yeHofisi Dzemasangano Omunharaunda dziri munyika yose, uye kana uchida muturikiri kana kuti kubatsirwa, unogona kuwana rubatsiro kumahofisi edu ose.

Masangano enzanga, masangano enzanga, uye masangano asingabudisi mari anowanzopa rubatsiro rwokukumbira kubatsirwa uye anogona kukubatsira kunzwisisa kuti mapurogiramu api angabatsira mhuri yako.

Maraibhurari, nzvimbo dzapamusoro, uye nzvimbo dzenzanga kazhinji kazhinji zvinobetsera zviitiko zvokunyoresa umo vamiriri vamapurogiramu akasiyana - siyana vanowanika kupindura mibvunzo nebetsero nezvinopinzwa. Izvi zvinoitika zvinogona kuva zvinokosha zvikuru nokuda kwokudzidza pamusoro pamapurogiramu akawanda panguva imwe chete.

Kudzivisa Kubatsira Vanyengeri

Nenzira isingafadzi, vanyengeri vanowanzova vanyajambwa vanhu vari kutsvaka betsero yehurumende. Masangano ehurumende anodzorwa haasati achizotongokukumbira kubhadhara mari kuti ukumbire betsero, kukumbira mari yapakarepo, kana kuti chikumbiro kupfurikidza nemakadhi okupa zvipo, kutumira newaya, kana kuti kunyengera. Haasati achizodana, email, kana kuti mameseji aunokumbira nokuda kwenhamba yako yeNhau yeSocial Security kana kuti mashoko eakaunzi yebhangi pasina kutanga kuonana newe.

Nguva dzose simbisa kuti uri pawebsite yehurumende iri pamutemo nokutsvaka nzvimbo yeIndaneti. Chenjerera mawebsite anobhadharira mari yemashoko anowanika pachena kubva kuhurumende. Kana mumwe munhu waunoonana naye achiti anobva kusangano rehurumende, nyudzai uye ridza dhipatimende racho zvakananga uchishandisa nhamba yorunhare yaunowana uri woga, kwete inogoverwa noni inogoverwa norunhare.

Mushumo wakafungidzirwa kuti unobetsera kunyengera kweFederal Trade Commission pa ReportFraud.ft.gov. uye kuHofisi yehurumende yeInspector General.

Kuwedzera Betsero Dzako

Kunzwisisa nzira yokuwedzera nayo betsero dzawakafanirwa nadzo kunogona kuvandudza zvikuru mugariro wako wemari nemugariro woupenyu. Hedzino nzira dzokukuvimbisa kuti uchawana zvikurusa mumapurogiramu anowanika.

Shandisa Zvirongwa Zvose Zvinoyevedza

Vanhu vakawanda vanokwanirisa nokuda kwepurogiramu dzinobetsera dzakawanda asi vanoshandisa zvishandiso zvinobetsera zvikuru kunzvera zvinogona kuzivisa mapurogiramu aungave usina kurangarira. Somuenzaniso, mhuri dzinogamuchira betsero dzeSNAP dzingakwanirisawo nokuda kwebetsero yebetsero yebetsero, zvokudya zvechikoro zvapachena, purogiramu dzeInternet dzakaderedzwa, uye gadziriro dzekurapa.

Mamwe mapurogiramu ane mafomu okunyoresa akatoita kuti vanhu vabatsirwe kana kuti akatoitwa kuti vanyorese.

Nzwisisa Zvinodiwa Kuti Pave Nokuvimbisa

Gadziriro dzinobetsera zhinjisa dzinoda kusimbiswazve kwapanhambo nenhambo kusimbisa kupfuudzira. Kushaikwa kwekunyorazve kwamashoko kungagona kuguma nokubetserwa, kunyange kana uchigere kukwaniriswa. Mark recrect date pakarenda yako ndokuunganidza mapepa anodikanwa pachine nguva mberi zvikuru ganhuriro.

Kubvunza waunoshandisa papurogiramu kuti aone zvimwe zvingaita kuti uderedze kunyorazve tsamba kana kuti kuderedza kunyora tsamba.

Kukurumidza Kushuma Chinjo

Zvirongwa zvakawanda zvinoda kuti utaure kuchinja kuri kuita zvinhu kungakanganisa kuwanda kwemari yaunowana kana kuti kubatsira kwazvinoita. Izvi zvinosanganisira kuchinja mari yaunowana, kunyora zvinhu zvepamba, kero, kana kuti nzvimbo yebasa. Kukurumidza kushuma kuchinja kunobatsira kudzivisa mari yakanyanya yaungafanira kubhadhara gare gare uye kuvimbisa kuti uchawana chitsama chakakodzera chebetsero.

Nepo kungaratidzika kuva kunopesana kushuma chinjo dzakanaka kufanana nemari yakawedzerwa, kukundikana kuita saizvozvo kunogona kuguma nepomero dzokunyengera nokushaikwa kwepurogiramu. Zvirongwa zvizhinjisa zvine kuzvidza mari uye kubuda kwapashoma napashoma uko kunokubvumira kuchengeta betsero dzakati sezvo mari yako inowedzera, kutsigira chinjo yako kukubudirira kukuru zvikuru.

Shandisa Zvakanaka Basa Rinotsigira

Zvirongwa zveTTANF zvinowanzodzidzisa basa, kubatsira padzidzo, uye zvinotsigira zvakadai sokutarisira vana uye zvokufambisa.

Gadziriro dzokuvandudza basa dzakabatanidzwa kubetsera mapurogiramu dzinogona kugovera zano rebasa rinokosha, yamurozve, kugadzirira kubvunzurudzwa, uye mabasa okupinza basa. aya mabasa akagadzirirwa kubetsera vagamuchiri kuwana basa ndokuwana kuzvimirira kwezvemari.

Gadzirira Kubatsira Makemikari

Kunzwisisa kuti mawere akasiyana - siyana anobatsirwa sei kana mari ikawedzera kunogona kukubatsira kusarudza zvaunogona kuziva nezvebasa uye mikana yokuwana mari.

Dzimwe nyika dzakashandisa nzira dzokuderedza matombo, dzakadai sebetsero dzakawedzerwa kana kuti nhambo yapashoma napashoma. Bvunza mushandi wako wezvokutenga tsigiro dzinowanika apo unenge uchirangarira chinjo dzebasa dzingatapura betsero dzako.

Masangano okupa mazano emari, anowanzowanika nemasangano enzanga, anogona kukubatsira kutevedzera mamiriro ezvinhu akasiyana - siyana uye kunzwisisa kuchinjwa kwechokwadi kwemari inowanwa pakufunga nezvezvinobatsira zvose uye ndyiko.

Kunyatsofunga Nezvemamiriro Eupenyu Akasiyana

Betsero Nokuda Kwavakuru

Kupfuura kubatsira kunoita vanhu vanorega basa uye Medicare, vakwegura vangakwanisa kuwana mamwe mapurogiramu akagadzirirwa kubatsira kugadzirisa matambudziko okukwegura akasiyana nemamwe ose.

Mitengo Yokuchengeta inobetsera kubhadhara mari yeMedicara, mari inobhadharwa, uye mari inobhadharwa nokuda kwavanhu vane mari yakaganhurirwa nezviwanikwa. Iyi purogiramu inogona kuderedza zvikuru ndyiko dzoutano dzapamberi dzinodiwa.

Purogiramu yeHelp Extrand Help inobatsira kubhadhara mishonga inobvumirwa nemishonga inobvumirwa nemishonga, ichibatsira vakura kuti vagone kurapwa.

Markest Nutrition Program yeVarimi vakuru inogovera vakuru vakaderera vanoripirwa nemapepa kuti vatenge michero mitsva, miriwo, uye miriwo pamisika yavarimi, nzvimbo dzeparutivi pomugwagwa, uye gadziriro dzenzanga dzokurima.

Gadziriro dzemitero yepfuma, dzinowanika munyika dzakawanda, dzinobetsera varidzi vapamisha vakura kutarisira mitoro yezvitoro pamari inotarwa.

Kubatsira Vanhu Vane Urema

Zvirongwa zvevanhu vakaremara zvinoziva kuti kurema uye zvinetso zvinokonzerwa nokuremara uye zvinotsigira kuti munhu azvimiririre uye ave noupenyu hwakanaka.

Social Security Disability Inishuwarenzi (SSDI) neSomaral Security Income (SSI) zvinogovera mari yemwedzi nomwedzi kukwanirisa vanhu vane urema. SSDI inoda nhau yebasa, nepo SSI inodikanwa uye haidi basa risati raitwa.

Medicaid inogovera kubhadharwa kwoutano kwakakwana nokuda kwavanhu vazhinji vakaremara, kazhinji kazhinji kufukidza mabasa asingabatanidzwi mudzimwe gadziriro dzeinishuwarenzi, dzakadai semibato yokutarisira yomunhu oga, midziyo yokurapa inogara kwenguva refu, uye tarisiro yenguva refu.

Kuenda kupurogiramu yeBasa kunobatsira vanobatsirwa nokuremara kweSocial Security avo vanoda kushanda basa vasingabhadharwi, kugadziridzwa kwemabasa, uye kumwe kutsigirwa kuti vawane basa uye kuti rirambe richichengetwa uku vachichengetedza kubatsira kwavo panguva yokuchinja kwacho.

Nhoroondo dzinogonesa vanhu vakaremara kuchengeta mari pasina kuisa muuyo webetsero dzakaedzwa seSSI naMedicaid. iyi mari yakachengetwa yemitero inogona kushandiswa nokuda kwendyiko dzinobatanidzwa neurema.

Betsero Nokuda Kwemhuri Dzine Vana

Mhuri dzine vana dzine mapurogiramu akawanda anoitirwa kutsigira kukura kwevana, utano, uye kugarika pamwe chete nokubatsira vabereki kuti vasanyanya kuomerwa nebasa uye mabasa emhuri.

Child Care Ahelp inobetsera mhuri dzinoshanda dzinoripira tarisiro yakaderera yavana, kuchigonesa vabereki kuchengeta basa kana kuti kuronda dzidzo nerovedzo. Kuzivikanwa nezvitsama zvinobetsera zvinosiana nehurumende, nenzvimbo yokutanga inowanzopiwa kumhuri dzinogamuchira TANF kana kuti kubvisa garikano.

Zvikwereti izvi zvinogona kuita kuti mari yemitero ive shoma, kunyange mhuri dzisina mitero, dzichipa tsigiro inokosha yemari.

Zvokudya zveChikoro zvapachena uye zvakaderedzwa zvinovimbisa vana vanobva mumhuri dzinowanwa shoma vanogamuchira zvokudya zvinovaka muviri mukati mezuva rechikoro. Kubudirira nokuda kwezvokudya zvapachena zvechikoro kazhinji kazhinji kunobatira senzira yebetsero uye mibhadharo yakaderedzwa nokuda kwemibato yechikoro namabasa.

Vana vanopiwa Inishuwarenzi yezveutano Purogiramu yevana (CHIP) inopa vana mari yakawanda zvikuru kuti vakwanise kusvitsa mari yeMedicaid asi vasingagoni kutenga inishuwarenzi yomunhu oga. CHIP inofukidza nzvero dzenguva dzose, kudzivirira, kushanyira kwachiremba, mishonga, mishonga yezvipatara, kutarisirwa kwamazino nemaziso, uye mabasa ekurumidziro.

Kubatsira Vadzidzi

Vadzidzi vari kuronda dzidzo yapamusoro vanogona kuwana mapurogiramu akasiyana - siyana ehurumende nehurumende kuti vabetsere kubhadhara koreji ndokuderedza mutoro wezvikwereti wavadzidzi.

Federal Students Aid, inowanikwa muFAFSA, inobatanidza zvirongwa zvemari, zvirongwa zvebasa, uye zvikwereti. Kutevera FasSA kunokosha nokuda kwokuwana zvimiro zvizhinji zveyamuro yemari, kubatanidza zvirongwa zvakawanda zveyamuro.

Kudzidza basa kunogovera mabasa enguva isina kuzara nokuda kwavadzidzi vakaderera uye vakapedza kufunda vane chinodikanwa chemari, kuvabvumira kuwana mari yokubetsera kubhadhara ndyiko dzedzidzo apo vanenge vachiwana ruzivo rwokuzviwanira rwebasa runokosha.

Zvirongwa zvokukanganwira zvinokanganwira kusvika ku $7 500 muzvikwereti zvevadzidzisi vomuhurumende nokuda kwevadzidzisi vanoshanda muzvikoro zvisinganyanyi kutambirwa kana kuti masangano ebasa redzidzo kwemakore mashanu anotevedzana.

Public Service Loan Forrence inokanganwira mari dzechikwereti dzavadzidzi dzasara pashure pokunge 120 vakwanirisa mari yomwedzi nomwedzi apo vanoshanda nguva yakazara nokuda kwavashandirwi vanokwanirisa, kubatanidza masangano ehurumende namasangano asingapinduri mhindu.

Betsero Dzavashandi Vasina Basa

Inishuwarenzi yeurovha inogovera tsigiro yemari yechinguvana kuvashandi vanorasikirwa namabasa avo pasina mhaka yavo vamene. Betsero dzinogoverwa nenyika, nezvinodikanwa zvinobudirira uye betsero dzinoenzana nenzvimbo.

Kuti ukwanise kuwana betsero dzokusashanda, unofanira zvikurukuru kuva wakashanda chitsama chakati chenguva, waiwana chitsama chiduku chemari inotambirwa, waikwanisa uye waiwanika kubasa, uye waitsvaka basa nokushingaira. Hurumende zhinji dzinoda tsamba dzevhiki nevhiki kuti upfuurire kuwana betsero.

American Job Center, iri munyika yose, inogovera mabasa epachena kubatanidza betsero yebasa, ramba uchiwana betsero, nzvera unyanzvi, kupa mazano ebasa, uye mashoko pamusoro pemikana yokurovedza. Mabasa aya anowanika kuvose vanotsvaka mabasa, pasinei zvapo nokuti vari kugamuchira betsero dzokushaya basa.

Kugadziridza Tsamba Kunobatsira vashandi vakarasikirwa nemabasa avo nemhaka yokutengesa kune dzimwe nyika nokupa rovedzo yebasa, mari yokuwana, kutsvaka basa uye mari yokuenda kune dzimwe nzvimbo, uye chikwereti chemutero kuti vabatsire kubhadhara inishuwarenzi youtano.

Betsero Dzinoshamisa Dzehurumende Nemhatsa

Kunyange zvazvo mapurogiramu akawanda achibatsira achitsigirwa nehurumende, masangano anowanzochinja mashandisiro aanoita mapurogiramu aya uye angapa zvimwe zvinobatsira nyika. Kunzwisisa mapurogiramu nezvinodiwa zvehurumende yako zvinokosha kuti uwane tsigiro inowanika.

Mapurogiramu eHurumende Medicaid anosiana zvikuru mumipimo yakaderera, mabasa akavharwa, uye mibatanidzwa yokugovera zvokudya. Dzimwe nyika dzakakudza Medicaid pasi peAffordal Care Act, nepo dzimwe dzisina, dzinotapura zvikuru kugamuchirwa kwavakuru vanowana mari yakaderera pasina vana.

Mamwe mapurogiramu eTANF anosiyana zvikuru nehurumende mukubetsera zvitsama zvebasa, zvinodikanwa zvebasa, ganhuriro dzenguva, uye mabasa anopiwa.

Gadziriro dzakarongwa nehurumende dzingabatanidza betsero yokuwedzera isingawaniki kupfurikidza namapurogiramu ehurumende, akadai sebetsero yedzimba dzakananga dzehurumende, yamuro yesimba kunze kweLIHEP, zvikwereti zvemari yomutero zvakatambira mari, uye gadziriro dzebetsero dzekurumidziro.

Nyika dzakawanda dzakagadzira mahotera akabatana anobatsira vanhu vakawanda nokushandisa mafomu okunyora uye dzinobatsira kuti vanhu vakakodzera vawane mapurogiramu ose aripo.

Kuchinja Kuchangobva Kuitika uye Kuchaitwa Mune Remangwana

Gadziriro dzehurumende dzinobetsera dzinochinja nokufamba kwenguva mumhinduro kumigariro yemari, chinjo dzemiitiro, uye zvinodikanwa zviri kubuda. Kugara uchiziva pamusoro pechinjo kunobetsera kukuita kuti uchengete kujeka nokuwana betsero.

2026 Federal Poverty Level inoratidzira gadziridzo dzinopfuurira nokuda kwokukwira kwemitengo. Nhungamiro dzourombo 2026 dzakawedzera nokuzvininipisa mukuenzaniswa ne 2025, dzichiratidzira kukwira kwemitengo kunoyerwa neCPI-U. Nokuda kwomunhu mumwe nomumwe, FPL yakakwira ne $310 (kubva ku $15,650 kusvikira ku $1660), inenge wedzero ye $10660). Iyi gadziridzo inotapura zvikumbaridzo nokuda kwepurogiramu dzakawanda.

Ruzivo rwekugadzira zvinhu ruchiri kuchinja nzira inobatsira nayo vanhu kuwana zvinhu, mapurogiramu akawanda anogovera maapus ekombiyuta, maapps anobatsira pakuongorora zvinhu, uye maatomu anogadzira zvinhu.

Kurukurirano dzegadziriro dzinobetsera dzinopfuurira pamwero yehurumende nehurumende, nechinjo dzinobvira kumupimo wokuva akakwana, zvinobetsera zvitsama, zvinodikanwa zvebasa, uye zvivako zvepurogiramu. Kugara uchiziviswa kupfurikidza namanyuko enhau akavimbika nekurukurirano dzehurumende dzinokubetsera kukarira ndokugadzirira nokuda kwechinjo dzingatapura betsero dzako.

Kuwana Betsero Nezviwanikwa Zvomuraudzo

Kushandisa mari nesangano hazvifaniri kuva chinhu chokuzvidira. Zviwanikwa zvakawanda zviripo kuti zvikubatsire kunzwisisa uye kuwana mapurogiramu anowanika.