Table of Contents

Zvirongwa izvi zvinoshanda semutoo unokosha wekudzivirira mamiriyoni evanhu vokuAmerica, zvichibatsira muupfumi, uye zvichivandudza upenyu. Kunzwisisa kuti hurumende inobatsira sei, uye kuti inokwanisa sei kuwana pfuma iyi kunogona kuita kuti upenyu hwevaya vanotarisana nenhamo dzemari kana kuti zvimwe zvinetso huve nani.

Kana uri mugari wemo akura, mhuri inowana mari shoma, munhu akaremara, kana kuti mumwe munhu ari kuva nezvinetso zvemari zvechinguvana, kune mapurogiramu ebetsero dzehurumende akawanda anowanika kuti abetsere. Iyi nhungamiro yakakwana ichakufambisa mumipimo mikuru yebetsero dzehurumende, ichatsanangura marudzi akasiyana- siyana ebetsero dzinowanika, udzame zvinodikanwa zvinoshanda, uye inogovera mashoko anoshanda pamusoro pomuitiro wokushandisa.

Kunzwisisa Betsero Dzehurumende: Kupfupikisa

Zvirongwa izvi zvinobhadharwa nokubhadhara mutero nemadhora uye zvakagadzirirwa kubatsira vanhu nemhuri vanosvitsa zvinodiwa. Chinangwa chikuru chebetsero idzi ndechokuva nechokwadi chokuti vanhu vose vokuAmerica vanogona kuwana zvinhu zvinokosha zvakadai sezvokudya, tarisiro youtano, pokugara, uye mari inoshandiswa panguva dzokushayiwa.

Gadziriro dzehurumende dzinobetsera dzinoshanda munhungamiro dzakasimba dzakatangwa nomutemo uye dzinovandudzwa nguva dzose kuti dziratidzire chinjo mumigariro yemari, ndyiko yezvipenyu, uye zvokutanga zvetsika. Zvirongwa zvizhinji zvinoshandisa Federal Poverty Level (FPL) sechisakiso chokutema kuva asina kutsarukana, kunyange zvazvo mapurogiramu mazhinjisa anogadza kuva asina kujeka panhamba yeFPL, zvakadai sa 138% nokuda kweMedicaid munyika dzinofutunukira kana kuti 130% nokuda kweSNAP.

FPL yakavakirwa paukuru hwemba uye inogadziridzwa gore rimwe nerimwe kuratidza chinjo muConsumer Price Index for All Urban Consumers (CPII-U). Nokuda kwa2026, nokuda kwemhuri yavana, yakawedzera ne $850 (kubva ku $32,150 kusvikira ku $3,000), inenge wedzero ye2. Iyi gadziridzo inoreva kuti vanhu vakawanda zvikuru vangakwanirisa nokuda kwebetsero dzemari yakavakirwa muna 2026 zvichienzaniswa namakore akatangira, sezvo mafiti emari akakwira.

Marudzi Makuru Ebetsero Dzehurumende

Betsero dzehurumende dzinogona kuiswa muzvikamu zvikuru mumarudzi makuru anoverengeka, chimwe nechimwe chichibata zvinodikanwa zvakasiyana - siyana nokubatira vagari vapasi vakasiana - siana. Kunzwisisa aya mapoka kunogona kukubetsera kuziva kuti ipurogiramui dzingava dzakakodzera kumugariro wako.

Gadziriro Dzokuyamura Nezvokudya

Gadziriro dzeyamuro dzezvokudya dzinobetsera vanhu vanowana mari shoma uye mhuri kutenga zvokudya zvinovaka muviri. Purogiramu inosanozivikanwa muboka iri iSomeral Nutrition Application Program (SNAP), yaizivikanwa sezvitambi zvezvokudya. Inombozivikanwa se "zvitempe zvezvokudya," Constal Nutrition Active Program (SNAP) inogona kukubetsera kubhadhara zvokudya kana uine mari shoma.

Kunyange zvazvo SNAP iri gadziriro yehurumende, masangano ehurumende anotarisira purogiramu yacho muhofisi dzomunzvimbomo. Mwedzi mumwe nomumwe, betsero dzeSNAP dzinowedzerwa kuKadhi reElectronic Benective Transvection (EBT) rokushandisa apo unotenga zvokudya. Kadhi reEBT rinoshanda sekadhi redebit uye rinogona kushandiswa kuvatengesi vanotenderwa vanogamuchira betsero dzeSNAP.

SNAP eligimendi inosarudzwa nezvitengo zvinoverengeka. Mari inotambirwa pamwedzi nemwedzi — ndiko kuti, mari yemhuri isati yashandiswa ipi neipi yemitengo yepurogiramu — inofanira kuva pari pasi kana kuti pasi pa 130 muzana yemutsetse wourombo. Nokuda kwegore ra2026, mutsetse wourombo wakashandiswa kutema SAP mugore reSaP uri muhurumende i $22,21 pamwedzi. Nokudaro, 130 muzana yomutsetse wourombo wemhuri nhatu i $2,8888 pamwedzi, kana kuti inenge $34,666 pagore.

Kunyange vanhu vasina pokugara vanogona kukwanisa kuwana kubatsirwa neSNAP kunyange zvazvo usisina kero, nzvimbo yokugara, kana kuti nzvimbo yokubikira.

Kutarisira Utano Kunobetsera

Kurapwa kwevanorwara kunomiririra rumwe rwemapoka anokosha zvikuru ebetsero dzehurumende, kuchiva nechokwadi chokuti vanhu vari pangozi vanogona kurapwa.

Midicare

Medicare ipurogiramu yeinishuwarenzi youtano yehurumende zvikurukuru nokuda kwavanhu vane makore 65 navanopfuura, kunyange zvazvo ichifukidzawo vanhu vaduku vakati nourema.Medicare Part A parte muchipatara chinorwarisa, chipatara chounyanzvi, varwere vanotarisirwa kurapirwa varwere, uye mamwe mabasa okutarisira utano epamba.

Anenge 99% avabetseri veMedicare vanobatira havana Chikamu Chinobvumiranwa sezvo vane zvinenge zvikamu 40 zvebasa rine chivako cheMedicare, sezvinosarudzwa neSocial Security Administration. Muna 2026, Medicare Part A muchipatara chinorwarisa anobhadharwa kuti vanobetserwa kana vakapinzwa kuchipatara vachawana $1736 muna 2026, wedzero ye $60 kubva pa $16666 mu2025.

Chinonyanya kukosha kunyanzvi dzemadhindia dzinobatsira vanhu vanobatsirwa nechikwama chinotengwa nemishonga. Kutanga muna 2026, mari inotengwa pagore yemishonga yeMedicare inobhadharwa gore negore $2 000 (Z $2 000), inodzivirira vakuru pakurasikirwa nemishonga ine ngozi. Izvi zvinomiririra kubatsira kukuru kune vakuru vanotsamira pamishonga yakawanda.

Gadziriro Dzokuchengetedza Dzamadhindikisi

Medicare Savings Programs (MSPs) ipurogiramu dzebetsero dzehurumende dzinobetsera vakwiriri vemari vakaderera vanofukidza mari yakaderera yeMedicara, mari isingabhadharwi, uye mari inobhadharwa pasina mutengo. Nenzira isingafadzi, vakuru vazhinji vakakodzera havatongotauri kuti iyi betsero — fungidziro dzinokarakadza mamirioni avanhu vanokwaniriswa kusiya iyi yamuro isingataurwi gore rimwe nerimwe.

Médicaid

Midicaid ipurogiramu yehurumende inobatira pamwe yehurumende uye yehurumende inogovera kurukurirano dzoutano kuvanhu vanotambira mari shoma nemhuri. Kuwanda kunosiana nehurumende, asi nyika dzinofutunuka dzinoshandisa 138% yeFederal Poverty Degree sechiteshi chemari inotambirwa. Medicaid inofukidza mativi ose ezvoutano, kubatanidza shanyo dzachiremba, kurambira, chipatara, dziviriro, uye mabasa okutarisira varapi venguva refu.

Kubatsirwa Nokuchengeteka Kwenzanga

Zvirongwa zveSocial Security zvinotsigira nemari inowanikwa nevanhu vanorega basa, vakaremara, uye vakapona pavashandi vakafa.

Kubatsirwa Kurega Basa Nenzanga

Chitsama chinowana mari yokurega basa chinoenderana nemari yaunowana kana watosvika pazera rokurega basa uye mari yaunowana inoenderana nemari yaunowana muupenyu uye zera raunozowana. Mugore ra2026, vanhu vaibatsirwa vakapiwa mari inokosha yokuchinja upenyu.

Ndyiko yegore negore yegadziridzo yokurarama (COLA) ndeimwe yebetsero hurusa dzehurumende yakasununguka nokuda kwavakura, inowedzera mari yeSangano reNzanga kuti ivambirane nokukwira kwemitengo. Muna 2026, vanobetserwa vakagamuchira wedzero 2,5% CLA, kureva kuti mushandi akarega basa avhareji anoona mari inenge $50 pamwedzi pasina kukumbira kupi nokupi kunodikanwa.

Inishuwarenzi Yekuchengeteka Kwenzanga (SDI) Nemari Yokuchengetedza Isiri Yomuzvarirwo (SSI)

SSDI inogovera betsero kuvanhu vakashanda ndokubhadhara mitero yeSocial Security asi vasingachagoni kushanda nemhaka yehurema hunokwanirisa.

Purogiramu Dzokuyamura Dzimba

Gadziriro dzeyamuro dzedzimba dzinobetsera mhuri dzinowanwa dzakaderera, vakweguru, uye vanhu vakaremara vanowana dzimba dzakachengeteka nedzakanaka. Purogiramu inosanozivikanwa iProgramu yeHome Chosarudzo Voucher, inozivikanwa seChikamu 8, iyo inogovera betsero yokurenda kudzimba dzinowirirana. Vatori vemibhadharo yavo yakagadziridzwa inoripira 30% kurenda, neanofukidza musiyano unowirirana nomupimo wokubhadharo.

Mamwe mapurogiramu edzimba anosanganisira dzimba dzavose, dzinopa dzimba dzerendi dzinodhura uye dzinotarisirwa nemasangano evoruzhinji edzimba, uye mapurogiramu akasiyana - siyana anobatsira vatengi vedzimba kuti vatenge misha.

Dzidzo Nokurovedza Zvinobatsira

Dzidzo inobatsira vadzidzi uye vashandi kuwana mikana yedzidzo nerovedzo yebasa. Federal Pell Grants inogovera yamuro yemari inotsamira pakuwana mari shoma kuvadzidzi, nepo mapurogiramu akasiyana - siyana echikwereti anobatsira vadzidzi kuti vawane mari yokushandisa padzidzo yavo. Zvirongwa zvokubudirira pabasa zvinopa rovedzo yebasa, kupa mazano ebasa, uye mabasa kubatsira vanhu kuwana unyanzvi uye kuwana basa.

Zvirongwa Zvokuyamura Nesimba

Koroff Home Energy Application Program (LIHEAP) inobetsera mhuri dzakakodzera kuripira mari inodziyisa nokutonhora, kuvandudza misha yadzo, uye kuisa mashoko kumigariro yekurumidziro inowirirana nemagetsi. Iyi purogiramu inokosha zvikurukuru nokuda kwavakuru nemhuri vana vana vaduku vari mungozi yetembiricha dzakanyanyisa.

Nzira Iyo Betsero Dzehurumende Dzinodziviswa Nayo Nokupinzwa Mubasa

Zvirongwa zvebetsero dzehurumende zvinotsigirwa nemari kupfurikidza namanyuko akasiyana - siyana, zvikurukuru mari yomutero yehurumende. Mamwe mapurogiramu, akadai seSocial Security neMedicare, anobhadharwa kupfurikidza nemitero inobhadharwa nevashandiri vanobhadharwa. Mamwe mapurogiramu, akadai seSNAP neMedicaid, anobhadharwa kupfurikidza nemari yemitero yose uye kubhadharwa kwegore negore kubva kuCongress.

Kutarisirwa kweidzi gadziriro kunosiyana norudzi. Gadziriro dzeFederal dzakadai seSocial Security dzinodzorwa zvakananga namasangano ehurumende, nepo dzimwe gadziriro dzakawanda dzichibatanidza zvikwata pakati pehurumende dzehurumende nehurumende. Somuenzaniso, nepo SNAP iri purogiramu yehurumende ine mari nenhungamiro zvehurumende, masangano ehurumende anofambisa purogiramu yacho chaizvoizvo mumahofisi omunzvimbomo uye ane kuchinjika mukushanda.

Kubvuma Kuti Hurumende Ichabatsira

Kunzwisisa zvinhu izvi kunokosha kuti uzive kuti zvinhu zvingakubatsira sei.

Zvinodiwa Kuti Uwane Mari

Mari inoshandiswa zvikuru nokuda kwebetsero dzehurumende. Zvirongwa zvizhinjisa zvinogadza miganhu yemari yakavakirwa paFederal Poverty Legation, kunyange zvazvo chikamu chakati chinosiana. Somuenzaniso, zvikwereti zvemitero zveACA zvinowanika kusvika ku 400% FPL, CHIP inofukidza vana mumhuri kusvika ku 200% kusvikira ku 300% FPL zvichitsamira kuhurumende, uye SNAP inoshandisa 130% ye FPL semiganhu yemari inotambirwa.

Pakuverenga mari inowanwa nokuda kwokubetserwa, mapurogiramu anowanzorangarira mari yakawandisa (mari yose inotambirwa pamberi pemari inobviswa) nemari yembure (inoripirwa pashure pemari inobvumirwa). DTA inorangarira mari inobva kumanyuko mazhinjisa, zvakadai semari, betsero yemari, Social Security, inishuwarenzi yeurovha, uye tsigiro yavana.

Dzinogumira

Zvirongwa zvakawanda zvinobatsira zvinoisawo miganhu yemari kana kuti mashandisirwo emari. Iyi ganhuriro inorangarira ukoshi hwemaakaundi emari, mitengo yemari, motokari, uye zvimwe zvinhu. Zvisinei, zvimwe zvinhu zvinobviswa zvakakurumbira, zvakadai somusha waunogara uye motokari imwe. nokuda kwebetsero dzeSNAP nokuda kwavakura, mari yako inokwana $4,500 kana kuti pasi.

Ukuru Hwemhuri Nokuronga

Ukuru hwemhuri hunobetsera zvikuru kuva nemhindu neuwandu hwebetsero inogamuchirwa. Programu dzinorondedzera "imba" nenzira yakasiana, asi dzinowanzobatanidza vanhu vanogara pamwe chete ndokugoverana ndyiko. SNAP inorangarira ukuru hwemhuri yenyu, inorondedzerwa sa "munhu ari wose anogara pamwe chete uye anotenga uye anogadzirira zvokudya pamwe chete," pakuverenga kufadza kwako nebetsero dzinobvira.

Kugara Munzvimbo Dzako

Zvirongwa zvizhinjisa zvehurumende zvinobetsera zvine zvinodikanwa zvevagari vemo kana kuti zvokupinda munyika. Food and Nutrition Act ya2008 inoganhurira betsero dzeSNAP kuvagari veUnited States uye zvimwe zvinenge zviripo zviri pamutemo. Zvinowanzova, kukwaniriswa nokuda kweSNAP, vasiri vagari vemo vanofanira kusvitsa chimwe chezvinodikanwa zvinotevera: Vakagara muUnited States kwaanenge makore mashanu. Kugamuchira betsero yeremaremara kana kuti betsero dzinowirirana nemitemo.

Kunokosha kucherekedza kuti kana vana vako varipo pamutemo kana kuti vari vagari veUnited States, vangava vachiri vakakodzera nokuda kwebetsero dzeSNAP kunyange kana usina kukodzera. Unogona kukumbira nokuda kwavana vako pasina kugovera mashoko pamusoro pomugariro wako wokutama.

Zvinodikanwa Zvebasa

Humwe hurongwa hunobetsera hunoisa zvinodikanwa zvebasa kuvakura vanokwanisa. Zvikurukuru, vanhu vanofanira kusvitsa zvinodikanwa zvebasa kuti vakwaniriswe SNAP. Chinjo dzemitemo dzemisi ichangobva kupfuura iyi dzakakudza izvi zvinodikanwa. SezveFber. 1, 2026: Pasi pemirairo yakavandudzwa, vakuru vane makore 55-64 avo vasina vanotsamira pavana vangada kushanda, kuzvipira, kana kuti kukumbanira purogiramu yerovedzo yebasa yeSNAP kwemaawa 80 mwedzi mumwe nomumwe kuti varambe vachiwana betsero.

Zvinodikanwa zvebasa zvinowanzobatanidza kunyoresa nokuda kwebasa, kugamuchira basa rakakodzera, kwete kurega basa nokuzvidira, uye kutora rutivi mupurogiramu dzebasa nokurovedza kana zvikagoverwa.

Zvinodikanwa Zvezera

Zera ndiro chisakiso chinosarudza nokuda kwepurogiramu dzakawanda dzinobetsera. Medicasare rerinogasval Security inowanzovamba pazera ramakore 65, nepo betsero dzokurega basa reSocial Security dzinogona kunzi dzinopiwa pakuvamba pazera ramakore 62, kunyange zvazvo dzichimirira kusvikira pazera rakazara rokurega basa kana kuti gare gare gare dzinoguma nendyiko dzakakwirira zvikuru dzemwedzi nomwedzi. Mamwe mapurogiramu akananga kuva vakuru, achiziva zvinodikanwa zvavo zvakasiana uye kuva nemigumisiro.

Kusakwanisa Kuita Zvawakaronga

Kusanzwa kunotapura kumira nokuda kwepurogiramu dzinoverengeka, kubatanidza SSDI, SSI, uye mamwe maMedicaid. Programs dzinoshandisa rondedzero dzakananga dzohurema, zvikurukuru dzinoda kuti mugariro wacho udzivise mubato une mhindu huru uye unokarirwa kupedza inenge mwedzi 12 kana kuti muuyo worufu. Manyoro ezvokurapa nenzvero zvinodikanwa kutanga mugariro wourema.

Muitiro wekushandisa: Nhungamiro Nhate-Nhano

Kushandisa zvirongwa zvehurumende kunogona kuita sekunovhundutsa, asi kunzwisisa magadzirirwo azvo kunogona kuita kuti zvive zvakanaka.

Nhano 1: Sarudza Kuti Ichii Chaunobetserwa Chingakwanirisa

Nyika dzakawanda nemasangano zvinopa michina yokuongorora inogona kukubatsira kuziva mapurogiramu akakodzera.

Nhano 2: Chengeta Chinyorwa Chinodikanwa

Kushandisa kunobatsira kunoda mapepa akakura kuti kuonekwe kuti anoshanda here. Magwaro anowanzodiwa anosanganisira:

  • Chibvumikiso chezivikanwo (rezenisi romurwi, ID yehurumende, rugwaro rwokuberekwa, pasipoti)
  • Nhamba dzeNzanga dzemitezo yose yemhuri
  • Uchapupu hwemari yaunotambira (mubhadharo wezvikwereti, mabhadharo emitero, mashoko okubatsira vanhu, kushaya basa)
  • Uchapupu hwokugara (mabhiri okusabereka, zvibvumirano zvokurenda, zvibvumirano zvemba yokugara)
  • Zvitatiko zvebhengi uye zvibvumirano zvezvinhu
  • Zvinyorwa zvezvokurapa (nokuda kwebetsero dzine chokuita nourema)
  • Chibvumikiso chendyiko (dzinotakurwa, dzinoshandiswa, dzinotarisirwa kuvana, ndyiko dzezvokurapa)

Unogona kushandisa magwaro anotevera seanoratidza chokwadi: Kuzivikanwa kwakadai serezenisi rokutyaira, kadhi rehurumende, rugwaro rwokubereka, kadhi reinishuwarenzi youtano, kadhi rokuvhota, kana kuti uchapupu hwokuti munhu ari kune imwe nyika.

Danho 3: Pedzisa mashoko acho

Mapurisa anogona kupiwa nomumasiteshi akawanda zvichitsamira papurogiramu nehurumende yako. Zvichitsamira pamamiriro ako ezvinhu, ungakwanisa kutumira chitambi chezvishandiso zvezvokudya paindaneti, pamunhu, neposi, kana kuti nefax. Kutsvaka kwomubatanidzwa weInternet kwazova kwakakurumbira zvikuru uye kazhinji kazhinji kunopa nguva dzokukurumidza kugadzira.

Pakupedza kumbiriso yako, iva akakwana uye nyora. Chipa mashoko akakwana nokuda kwemibvunzo yose, uye usasiya zvikamu zvisina kunyorwa kutoti zvikasashanda kwauri zvirokwazvo. Kumbiriso dzisina kukwana dzinogona kunonotsa kugadzirwa kana kuti kuguma nokurambwa.

Danho 4: Enda Kubvunzurudza Kana Kuti Kuronga

Kubvunzurudza uku kungaitwa pachako kana kuti nefoni uye kungapa mukana wokuti vashandi vanopa mari vajekese mashoko, vabvunze mibvunzo, uye vatsanangure zvinodiwa zvepurogiramu. Gadzirira kubvunzurudzwa nokuongororazve kukumbira kwako uye kuva nezvinyorwa zvose zviripo.

Danho 5: Mirira Chisarudzo

Kuronga nguva kunosiyana zvikuru nepurogiramu uye udzore. Pashure pokukunyorera, DTA ichakutumira chisarudzo mukati mamazuva 30. Zvisinei, kugadzirwa kwemitemo kunowanika nokuda kwaavo vane zvinodikanwa zvokukurumidzira. Ungava akakwaniriswa kugamuchira betsero dzeSNAP mukati memazuva 7 ezuva rekushanda kwako kana ukaita zvinodikanwa zvakawedzerwa. Somuenzaniso, kana imba yako ine mari isingasviki $100 muzvinhu zvinodhakisa uye $50 mumari inotambirwa yomwedzi nomwedzi, kana kuti mari yeimba yako yakabatanidzwa nemari inokwana mari yemwedzi nomwedzi nemari inoyerera yakaderera kupfuura yaunobhadhara mari yemari yemari yemari kana kuti mari yechikwereti.

Panguva yokumirira, ungakumbirwa kugovera mapepa okuwedzera kana kuti kujekeswa.

Danho 6: Ita Zvaunobatsirwa Nazvo

Kana ukatenderwa, uchagamuchira ziviso inotsanangura chitsama chako chinokubatsira, apo betsero dzichavamba, uye kuti nguva yako yevimbiso inogara kwenguva yakareba sei. Kana ukawanikwa wakakodzera, uchagamuchira chiziviso chinokuudza kuti uchagamuchira betsero dzeSNAP nokuda kwenguva yakareba sei; iyi inonzi nguva yako yegweta.

Nokuda kwebetsero dzeSNAP, kana ukawanwa kuva wakakodzera, uchagamuchira betsero dzeSNAP pakadhi reFooctronic Benefit Transve (EBT), iro rinoshanda sekadhi redebit. Betsero dzinoiswa muakaundi yako zvamazvirokwazvo mwedzi mumwe nomumwe. Vapemhi vazhinjisa vanowana kadhi mukati mamazuva 3 nama5 okunyora kumbiriso yavo.

Kuverengwa Nokuparadzirwa Kunoitwa Betsero

Kunzwisisa kuti zvinobatsira zvinowanikwa papurogiramu imwe neimwe kunogona kukubatsira kufungidzira kuti ungabatsirwa sei.

SNAP Inobetserwa Nokuverenga

Nemhaka yokuti mhuri dzeSNAP dzinokarirwa kupedza inenge 30 muzana yepfuma yadzo dzimene pazvokudya, mugove wako unorangarirwa kupfurikidza nokuwanza mari yeimba yako mwedzi nomwedzi na 0.3, uye kubvisa muuyo kubva mugove mukurusa womwedzi nomwedzi weboka rako remhuri. Iyi nzira inovimbisa kuti ikoko kunobetsera wedzero, panzvimbo pekutsiva, bhajeti yezvokudya zvemhuri.

Nhamba yacho inotaura nezvemari yavanoderedza nemari yavanenge vawana, kusanganisira mari yavanenge vawana, mari yavanenge vawana, mari yavasingakwanisi kubhadharwa, mari yavanoshandisa pakurapwa kwevakwegura kana kuti vakaremara, uye mari yavanoshandisa pakuchengetedza zvivako.

Kubatsirwa Nokuverenga Vanhu

Kuwana mari yakawanda kunopa mari yakawanda kupfuura mimwe yose yaunowana panzvimbo yokugara. Sangano reSocial Security Administration rinoshandisa nzira inoita kuti vatambira mari shoma vatsivi vawane mari, kuva nechokwadi chepurogiramu yacho kunoramba kuchifambira mberi.

Kuyera Kubetsera Mudzimba

Pamapurogiramu ezvibvumirano zvedzimba, vatori rutivi vanowanzobhadhara 30% yemari yavo yakagadziridzwa yomwedzi nomwedzi kurendi nechete, nechekunyorera kufukidza musiyano uri pakati pechitsama ichocho nemupimo wemari inobhadharwa (ichichitsamira parendi yenzvimbo yomusika inochengeteka). Izvi zvinovimbisa kuti mari yedzimba inoramba isingadhuri kana tisati tabhadhara.

Mitoo Yokuparadzira

Betsero dzinogoverwa kupfurikidza nemitoo yakasiana - siana kuchitsamira papurogiramu:

  • Drect Deposit: Chengeteko yenzanga nedzimwe betsero zhinji dzemari dzinoiswa zvakananga mumaakaundi ebhangi
  • Kadhi reEBT: SNAP nedzimwe betsero dzinoiswa mumakadhi eSangano reBenefishier Fragment
  • Mimwe michina ichiri kunzvera pepa, kunyange zvazvo iyoyi iri kuva inozivikanwa navose zvishoma
  • Vabatsiri vedzimba: uye mamwe mapurogiramu anoshandisa zvibvumikiso zvinobhadharwa zvakananga kuvashandi
  • Mitemo yePrect: Dzimwe betsero, kufanana naMedicaid, dzinogovera kusvika kwakananga kumabasa panzvimbo pemibhadharo yemari

Kuchengeta Betsero Dzako: Zvinodikanwa Zvinopfuurira

Kugamuchirwa kwebetsero kunongova mavambo bedzi, uye mapurogiramu mazhinjisa ane zvinodikanwa zvinopfuurira izvo vagamuchiri vanofanira kusvitsa kuti vapfuurire kugamuchira betsero.

Kupiwazve gwaro

Gadziriro dzinobetsera zhinjisa dzinoda kusimbiswazve kwapanhambo nenhambo kubvumikisa kuva anokwanisa kupfuuridzirwa. Kuvharwa kwetsamba kunosiana nepurogiramu uye pane dzimwe nguva namavara okugamuchira. Somuenzaniso, mhuri umo mitezo yose yakura (makore 60 nakura) kana kuti vanhu vane urema vakakodzera kutora rutivi muTexas Lobung Exploring Exploring Project (ATAP), inoita kuti kukumbira kweSNAP kuve nyore nyore uye kugovera makore matatu ebetsero panguva panzvimbo pemwedzi mitanhatu.

Panenge papiwazve tsamba, uchada kupa mashoko akagadziridzwa pamusoro pemari yaunowana, kunyora imba, ndyiko, nezvimwe zvinhu zvinokosha. Kushayikwa kwemisi yokunyorazve magwaro epamutemo kunogona kuguma nokubetserwa, naizvozvo kunokosha kupindura nokukurumidza kuzivisazve.

Kushuma Kuchinja Kwakaitika

Vagamuchiri vanofanira kushuma chinjo dzakati mumamiriro ezvinhu angatapura kuva anogamuchirwa kana kuti zvitsama zvinobetsera. Chinjo dzinozivikanwa navose dzinobatanidza:

  • Kuchinja mari yaunowana (basa idzva, kuwedzera, kurasikirwa nebasa)
  • Kuchinja murudzi rwemhuri (kuberekwa, kufa, mumwe munhu anopinda kana kuti kunze)
  • Kuchinja kero kana kuti mashoko emepu
  • Chinjo mundyiko (wedzero yapakarepo, kutarisirwa kwavana kutsva kunodhura)
  • Kuchinja kwezvinhu kana kuti pfuma
  • Kuchinja basa

Kushuma zvinodiwa uye mafashoni enguva zvinosiyana - siyana papurogiramu. Kumwe kuchinja kunofanira kushumwa mumazuva 10, nepo kumwe kuchigona kushumwa panenge papiwazve tsamba. Kukundikana kushuma kuchinja kunodiwa kunogona kuguma nokubhadhara mari yakanyanya kunofanira kuripirwa, kana kuti kunyange kubiridzira muzviitiko zvakakomba.

Kuwirirana Nemitemo Yepurogiramu

Purogiramu yebetsero imwe neimwe ine mitemo yakananga iyo vagamuchiri vanofanira kutevera. nokuda kweSNAP, ikoku kunobatanidza kushandisa betsero bedzi nokuda kwezvokudya zvinokodzera uye kwete kutengesa kana kuti betsero dzokutengesa. nokuda kwebetsero dzedzimba, inobatanidza kuchengeta boka racho mumugariro wakanaka uye kuwirirana namashoko okunyoresa.

Matambudziko Anowanzoitika uye Zvaungaita Kuti Uakunde

Kuziva zvipingamupinyi zvinozivikanwa nevamwe uye kuziva kuti ungazvigadzirisa sei kunogona kuvandudza mikana yako yokubudirira.

Kushandisa Kunoramba

Mapurisa dzimwe nguva anorambwa nokuda kwezvikonzero zvakasiyana- siyana, kubatanidza mashoko asina kukwana, kushayikwa kwemapepa, mari inotambira kupfuura miganhu, kana kukundikana kusvitsa mimwe mipimo yokusagona kufadza. Kana kushandiswa kwako kuchinyimwa, une maruramiro okukwidza nokukwidza chisarudzo. Miitiro yokukwidza neganhuriro zvinosiana nepurogiramu, asi kazhinji kazhinji inobatanidza kukumbira kunzwa apo ungagona kupa mashoko okuwedzera kana kuti kudenha chisarudzo chesangano.

Zvitambudzo zvekunyora

Kuunganidza mapepa anodiwa kunogona kuva kwakaoma, zvikurukuru kuvanhu vasina pokugara, avo vane unyanzvi hushoma hwechiNgezi, kana kuti vanhu vakaremara. Zvirongwa zvakawanda namasangano enzanga zvinopa betsero nokuwana magwaro anodikanwa. Usarega mapepa akanyorwa achikudzivisa kushandisa `____Vashandi vemichina kazhinji kazhinji achigona kukukarakadza zvimwe zvinhu kana kuti kukubatsira kuwana mapepa anodiwa.

Nguva Refu Dzinofambira Mberi

Kunonoka kungaita kuti vaya vanoda kukurumidza kugadziriswa vatambure. Kana uri kutarisana nemamiriro ezvinhu okukurumidzira, bvunza kuti unoda kugadzira zvinhu zvinoda kugadziriswa nokukurumidza. Zvirongwa zvakawanda zvine urongwa hunoratidza kuti munhu anenge akumbira anokurumidza kugadzirira kana awana zvimwe zvinhu zvinoda kukurumidza kugadziriswa.

Mirangariro Yakaoma Nezvakaipa

Nenzira isingafadzi, kuzvidza pamusoro pebetsero dzehurumende kunodzivisa vanhu vakakodzera kushandisa. Kunokosha kuyeuka kuti mapurogiramu aya aripo zvikurukuru kubetsera vanhu munguva dzakaoma, uye kuashandisa apo unokwanirisa hachisi chimwe chinhu chokunyadziswa nacho. Vanhu vazhinji vanopa mipiro kuidzi purogiramu pakupedzisira kupfurikidza nemitero vanoda kuzvishandisa vamene.

Mitemo Yakaoma Kunzwisisa Nemitemo

Mapurogiramu anobatsira ane mitemo yakaoma kunzwisisa. Usazengurira kubvunza vanhu vanoshanda pakambani, kutsvaka rubatsiro kumasangano enzanga, kana kuti kubvunza vapi vezano kubatsira. Masangano akawanda asingabudisi mari anobatsira vanhu kuti vabatsirwe uye anogona kuvabatsira pachena.

Kunyatsofunga Nezvevanhu Vakasiyana - siyana

Makuru

Vanhu vakuru vanogona kuwana betsero dzakawanda. Makodheni muna 2026 anogona kuwana mari dzinoda kusvika 14 dzehurumende, kusanganisira mari yokurega basa yeSocial Security, Medicare Saves Programs, uye kugadziridzwa kwemari inotengwa gore negore (COLA). Zvisinei, mamiriyoni eAmerica 65 navakuru ari kusiya zviuru zvemadhora mubetsero dzehurumende gore riri rose.

Vakuru vanofanira kuziva nezvedzimwe betsero kupfuura mapurogiramu anozivikanwa zvikurusa. VaAmerica vane makore 65 navakuru vanokwanirisa nokuda kwechitsama chakakwirira chinosiiwa kupfuura vagadziri vaduku vemitero — betsero yakananga yehurumende inoderedza mari inobhadharwa pasina kuda kupiwa chinhu. Maererano neIRS, vakuru vanobetserwawo nokugadzirira mitero pachena kupfurikidza neSalcouncing Counseling for the Eldern (TCE) purogiramu neAAAARP Foundation Tex - Aide, vose vari vaviri pasina mutero.

Vanhu Vane Urema

Vanhu vakaremara vangakwaniriswa nokuda kwegadziriro dzakawanda dzebetsero, kubatanidza SSDI, SSI, Medicaid, SNAP, uye rubatsiro rwedzimba. Kushata kunogonawo kutapura mipimo yokusagona kuiswa nokuda kwemimwe purogiramu, pane dzimwe nguva kusunungura vanhu pazvinodikanwa zvebasa kana kuti kubvumira ganhuriro dzakakwirira dzemibato yebetsero dzourema dzinogona kuva dzakaremara nedzakaoma, kazhinji kazhinji kazhinji kunoda mapepa makuru ezvokurapa uye pane dzimwe nguva kukumbira kwakawanda.

Mhuri Dzine Vana

Mhuri dzine vana dzine mapurogiramu akasiyana - siyana akagadzirirwa kutsigira kukura kwevana uye kugadzikana kwemhuri. Aya anosanganisira SNAP, Medicaid naCIP nokuda kwavana, rubatsiro rwokutarisira vana, Child Tax Cream, uye betsero dzedzidzo. Mapurogiramu akawanda anoisa mhuri nevana vaduku pakutanga, achiziva kukosha kwetsigiro youduku.

Maveteran

Vafambi nemhuri dzavo vangakwanirisa nokuda kwebetsero chaidzo kupfurikidza neBato reVeterans Affairs mukuwedzera kubetsero dzavose. Vanobetsera vanobatanidza muripo wokuremara, mapurogiramu omudyandigere, dzidzo nerovedzo, zvikwereti zvapamusha, uye betsero dzokuviga. Vachemi vanofanira kunzvera zvose zviri zviviri mapurogiramu evavetans nebetsero dzavose kuti vaomere betsero dzinowanika.

Vatami

Kugamuchirwa kwebetsero dzehurumende kunosiana zvikuru nemhaka yemugariro wokutama. Nepo vatami vasina kunyorwa vasingagoni kunyanyova vanyajambwa vebetsero dzehurumende, vatami vazhinji varipo nenzira yapamutemo vanogona kuwana mapurogiramu akati pashure pokusangana nezvinodikanwa zvokugara. Vana vemuUnited States vanogona kugamuchira betsero pasinei zvapo nenzvimbo yokutama yavabereki vavo, uye kukumbira betsero nokuda kwemitezo yemhuri inofanirwa isingatapudzi nzvimbo yokupinda munyika kana kuti zvikumbiro zvomunguva yemberi zvokuva mugari wemo.

Kuchinja Kwenguva Ichangobva Kupfuura Nokuwedzera Kubatsirwa neHurumende

Kuramba uchiziva nezvechinjo idzi kunokosha nokuda kwavagamuchiri vazvino uno navanobvira.

2026 Kuwana Musuo

Chinjo dzinoverengeka dzinokosha dzakaita kana kuti dzakarongwa nokuda kwa2026. Nhungamiro dzeFederal Poverty Level dzakavandudzwa, kuchitapura kuva akakodzera nokuda kwepurogiramu dzakawanda. Zvinodikanwa zvebasa zveSNAP zvakakudzwa kubatanidza vakuru, nezvinodikanwa zvebasa zvakakudzwa (zvinoshanda December 1, 2025) nemirau mitsva isiri yemari yakarongwa (zvinobudirira February 1, 2026).

Nokuda kwemhuri dzine ndyiko dzokutarisira vana, kune mashoko akanaka. Kwenguva yokutanga mumakore anenge 40, muganhu weChercent Care Application Program uchawedzera kubva pa $5 500 000 kusvikira ku $7 500 (kubva pa $2 500 kusvikira ku3 7 500 vakaroora) pasi peUne Big Beach Bill yakapfuvura muna July 2025. Wedzero inova inoshanda nokuda kwamakore omutero kutanga January 1, 2026 uye haisati ichiiswa muraudzo nokuda kwokukwira kwemitengo.

Kurapwa Kunochinja

Mitengo yeMedicara nemishonga inobviswa inogadziridzwa gore negore. Chinotsinhanisa mishonga inotenderwa chinomirira chinjo huru nokuda kwevabhadhari veMedicara, ichigovera dziviriro huru pakudhura kwemishonga yakakwirira. Kuwedzera, Mutengi weBig Beach Bill anogona kudzorera zvechigarire chiteshi chengarava chakakotsekana chaDecember 1, 2025, achibvumira HDHP navashandirwi vebasa kufukidza trelehealth pahwaro yokutanga yemasvoralet pasina kuisa HSAIpanic. Ikoko kunoreva kuti vashandirwi vanogona kuchengeta kana kuti kudzorera $0 yemarifiki yegore ra2025 uye kupfuura.

Zviwanikwa uye Kwaungawana Betsero

Pane zvinhu zvakawanda zvinokubatsira kunzwisisa uye kuwana rubatsiro rwehurumende.

Mawebsite Ehurumende Nemahotlines

Mawebsite ehurumende anopa mashoko akavimbika pamusoro pemapurogiramu anobatsira. Zvikomborero.gov ibhuku rinobatsira zvikuru rinogovera mashoko ebetsero dzehurumende uye rinosanganisira chishandiso chokudzipwisa. Website yeSocial Security Administration (ssa.gov) inopa mashoko ane udzame nezvepurogiramu dzeSocial Security, mapurogiramu epaIndaneti, uye mawebsite ehurumende. Hurumende uye mawebsite ehurumende dzomunzvimbomo anopa mashoko pamusoro pemapurogiramu ehurumende nehofisi dzomunzvimbomo.

Masangano Enzanga

Masangano akawanda asingapi mari anoshanda mukubetsera vanhu kuwana betsero. Aya anobatanidza masangano eyamuro yapamutemo, masangano ezviito zvenzanga, nzvimbo dzapamusoro, mapoka anoremadza ezvokushandira mhosho, uye masangano ebetsero avatami.

Maturusi Okuongorora Anobetsera

Zvishandiso izvi zvinobvunza mibvunzo nezvemamiriro ako ezvinhu uye zvinopa ndaza yepurogiramu dzinoda kukubatsira kuti uone kuti unokwanisa kuzviita.

Betsero Younyanzvi

Mune zvimwe zviitiko, rubatsiro rwenyanzvi kubva kumagweta, nyanzvi dzinobatsira, kana kuti vapi vezano vezvemari rungabetsera, zvikurukuru nokuda kwemigariro yakaoma kana kuti zvikumbiro.

Kuwedzera Betsero Dzako

Kunzwisisa kuti ungabatsirwa sei nemari.

Shandisa Zvirongwa Zvose Zvinoyevedza

Iva nenguva yokutsvakurudza mapurogiramu ose aungakodzera uye angakushandisa. Betsero dzinobva mumapurogiramu akasiyana - siyana dzinogona kubatanidzwa kuti dzigovere tsigiro huru zvikuru.

Nzwisisa Kurapa Kunobvumirwa

Gadziriro zhinji dzinobvumira kubviswa kwemari inotambirwa pakuverenga mari inokwana uye kubatsira. Iva nechokwadi chokuti uri kutora mari yose yawakapiwa yakafanirwa, yakadai sendyiko dzokutarisira vana, ndyiko dzezvokurapa, uye mari dzokugara. Iyi mari inogona kuita musiano pakati pokukwaniriswa kana kuti kwete, kana kuti inogona kuwedzera chitsama chako chinobetsera.

Shandisa Gadziriro Chaidzo

Zvirongwa zvakawanda zvinopa mamwe mapurogiramu anowedzerwa kubatsira kwehurumende. Somuenzaniso, mamwe maruwa ane zvirongwa zvinogovera zvokudya zvinopfuura SNAP, rubatsiro runobatsira kunze kweLIHEAP, kana kuti mapurogiramu okutarisira utano akagadzirwa nehurumende. Nzvera kuti chii chiripo munyika yako.

Shandisa Betsero Nokuchenjera

Kubatsira SNAP, kutenga, kutenga zvakawanda kana zvichiita, uye kusarudza zvokudya zvinovaka muviri zvinopa ukoshi hwakanaka.

Ramba Uchiziva

Ramba uchiziva kuti zvinhu zvichachinja sei paunenge uchiverenga mashoko anobva kumasangano, anobatsira masangano, uye kuti urambe uchionana nemasangano enzanga anobatsirwa nokuchinja.

Kodzero Nemabasa Okubatsira Vari Kupiwa

Somugamuchiri anobetsera, une zvose zviri zviviri maruramiro nemitoro zvinokosha kunzwisisa.

Kodzero Dzako

Vagamuchiri vanobetserwa vane maruramiro okubatwa nechiremera noruremekedzo nevashandi vesangano, kugamuchira mashoko akajeka pamusoro pemitemo yepurogiramu nezvinodikanwa, kuita kuti kumbiriso dziitwe nomutoo wakakodzera nguva, kugamuchira betsero nokukurumidza kana dzikatenderwa, kukwidza zvisarudzo zvausina kubvumirana nazvo, kuita kuti mashoko ako achengeterwe zvakavanzika, uye kugamuchira betsero mumutauro wako unoda kana kuti nepokugara paurema.

Mitoro Yako

Vagamuchiri vane mutoro wokugovera mashoko akarurama uye akakwana pakumbiriso, kushuma chinjo dzinodikanwa mumigariro, kushandisa betsero bedzi nokuda kwedonzo ravo rakarondwa, kuwirirana nemitemo yepurogiramu nezvinodikanwa, kupinda kunoda kugadzwa nebvunzurudzo, kupedza chibvumikiso chokunyorazve panguva, uye kubatira pamwe nehwirudzuro kana kuti kunzvera kwakanaka.

Kudzivirira Kubiridzira

Batsirwa nekodzero inorangarirwa zvakakomba uye inogona kuguma nepomero dzoutsotsi, zvinodikanwa, uye kusashanda zvakanaka mumapurogiramu. Nguva dzose igovera mashoko echokwadi, shuma zvose zvinodikanwa chinjo, shandisa betsero bedzi sedzinorongwa, uye usatongotengesa kana kuti betsero dzokutengesa. Kana ukaita chikanganiso chokutendeseka, chishuma nokukurumidza (_zvokutsvaka) kazhinji kazhinji zvinoregeredza zvikuru zvikanganiso zvokutendeseka kupfuura kunyengera kwamaune.

Nguva Yemberi Yebetsero Dzehurumende

Kunzwisisa kuchinja kungangoitika munguva yemberi kunogona kukubatsira kuronga maererano nemamiriro ezvinhu ezvemari, kuchinja kwenhamba dzevanogara vachingogara munyika, uye kuisa zvinhu pakutanga.

Kuchinja Kweruzivo Rwokugadzira Zvinhu

Mapurogiramu anobatsira vanhu ava ari kuwedzera kufamba achienda panzvimbo dzinoshandiswa makombiyuta, pachishandiswa makombiyuta, maapps emagetsi, uye maapps eserura - foni, uye izvi zvinogona kuita kuti vanhu vakwanise kushandisa injini dzekombiyuta uye vasakwanisa kuverenga.

Magakava Emitemo

Zvirongwa zvinobatsira kazhinji kazhinji zvinova nekurukurirano dzezvamatongerwe enyika, nekurukurirano pamusoro pemipimo yokufara, dzinobetsera mwero, zvinodikanwa zvebasa, uye mari. Kugara uchiziva pamusoro pezvikarakadzo zvemitemo kunogona kukubetsera kunzwisisa chinjo dzinobvira dzingakutapura ndokukubvumira kutora rutivi mumuitiro wehurumende inosarudzwa navanhu kupfurikidza nokuvhota uye kudzora.

Kuchinja Kweupenyu

Kunzwisisa zvinhu izvi kunogona kukubatsira kuronga zvaunoda mune ramangwana uye kutsigira purogiramu yako kuti zvizokuchengetedza.

mhedziso

Betsero dzehurumende dzinoita basa rinokosha mukutsigira mamiriyoni eAmerica munguva dzakaoma uye kubetsera kuva nechokwadi chezvinodikanwa zvikuru zvinosvitswa. Nepo gadziriro yacho inogona kuva yakaoma uye pane dzimwe nguva inokangaidza kufamba, kunzwisisa kuti betsero dzinobetsera sei, zvaungakwanirisa nokuda kwei, uye nzira yokushandisa nayo inogona kuita musiyano mukuru muupenyu hwako noupenyu hwemitezo yemhuri yako.

Usarega kuoma, kunyadzisa, kana kuti kusanzwisisa zvichikutadzisa kuwana betsero dzawakafanirwa nadzo. Zvirongwa izvi zviripo zvikurukuru kuti zvibatsire vanhu vakafanana newe, uye kuzvishandisa paunokwaniriswa pazvose zviri zviviri kodzero yako nechisarudzo chemari chakachenjera. Shandisa zvinhu zvinowanika, kumbira kubatsirwa paunenge uchida rubatsiro, uye ramba uchironda rubatsiro rwaunoda.

Kana uri kutarisana nemhinganidzo yechinguvana kana kuti kubata nedenho dzenguva refu, betsero dzehurumende dzinogona kugovera tsigiro yakakomba kukubetsera kusvitsa zvinodikanwa zvako zvikuru, kuchengeta utano hwako, uye kushanda kukudzikama kukuru zvikuru nokuzvigutsa. Kupfurikidza nokunzwisisa tsika uye kubatanidzwa nayo nokushingaira, unogona kuwana zviwanikwa zvakagadzirirwa kukubetsera kubudirira.

Nokuda kwamashoko akawanda pamusoro pemapurogiramu ebetsero dzakananga uye kuwana zvishandiso munharaunda yako, shanyira Benefit.gov, onai hurumende yako kana kuti sangano ramasangano omunzanga, kana kuti svika kumasangano enzanga anorovedza betsero. Yeuka kuti mitemo inotendeseka uye inobetserwa inochinja nguva dzose, naizvozvo kwakafanirwa nguva dzose kunzvera mashoko azvino uno nokushandisa kunyange kana usina chokwadi kuti unokwaniriswa (h) zvakaipisisa zvinogona kuitika iwe uchaudzwa aiwa, asi ungawana kuti wakakodzera nokuda kwebetsero inokosha waisaziva pamusoro pako.

Zvimwe zvinhu zvinobetsera zvinobatanidza [ Sactial Security Administration nokuda kwokurega basa, urema, uye betsero dzakapukunyuka; YOKUDYA neNUTY yeSPA] nokuda kwamashoko eSPA; [FLT] COULD] . gov[[FLT] [[FLT:]] [[FLT]] [5] nokuda kwebetsero dzezvipo neromanyuroma. [[FLT]