Table of Contents

Ukunikezela ngengxaki yemali kusenokuba kukungaphazanyiswa, kodwa ukuqonda iinkqubo zokungaqeshwa kunye neenkqubo zentlalo-ntle ezikhoyo kungenza umahluko omkhulu kubuchule bakho bokugcina uzinzo ngamaxesha obunzima. Ezi nkqubo ze-nethi yokhuseleko karhulumente zikhona ukunikezela ngenkxaso yokwexeshana ngexesha usebenza kwinkululeko yemali. Nokuba usandul'ukuphulukana nomsebenzi wakho, uzama ukuhlawulela intsapho yakho ukutya, okanye ufuna uncedo ngeendleko zokuhlala, kukho oovimba abacetyiweyo bokukunceda ubuyele kwiinyawo zakho.

Olu khokelo lunentsingiselo luza kukuhambisa kwiingenelo ezahlukahlukeneyo zokungaqeshwa neenkqubo zoncedo lwentlalo - ntle ezikhoyo eUnited States, luchaze iimfuno ezifanelekileyo, iinkcukacha ngendlela yokusebenzisa, luze lukunike inkcazelo esebenzisekayo enokukunceda ufumane inkxaso oyifunayo.

Ukuqonda Iingenelo Zeinshorensi Yokungaqeshwa

Iinzuzo zokungaqeshwa eUnited States zinikezelwa ngomanyano lwesizwe esinokhuseleko olumiselwe phantsi koMthetho weNtlalo-ntle ka-1935 kunye noMthetho we-Federal Rought Thost Act (FUTA). Ngoxa urhulumente wesizwe emisela imigaqo esisiseko, icebo ngalinye lesizwe kwaye esebenzisa eyakhe i-inshorensi yokungaqeshwa (UI) — ukumisela iinzuzo, iimfuno ezizinzileyo, ubude bexesha leengenelo, kunye namalungiselelo okungakhuselwa ngokwahlukileyo. Oku kuthetha ukuba iinzuzo neemfuno ezithile zinokuxhomekeka ngokuphawulekayo kuxhomekeke kwindawo ohlala kuyo.

Ziziphi Iingenelo Zokungaqeshwa?

Iinzuzo zokungaqeshwa zizimali zokwexeshana ezinikwa abasebenzi abafanelekileyo abaye baphulukana nemisebenzi yabo ngaphandle kwempazamo yabo. Ezi ingenelo zenzelwe ukunikezela ngengeniso encinci yengeniso yokwahlukana ngoxa ukhangela ngenkuthalo umsebenzi omtsha. Le nkqubo ixhaswa ngerhafu yomqeshi, hayi iminikelo yabaqeshi, nto leyo ethetha ukuba ngokusisiseko uye wangenelwa ngomsebenzi wakho wangaphambili.

Injongo eyintloko yeinshorensi yokungaqeshwa kukulungiselela ibhulorho yemali ngexesha lotshintsho phakathi kwemisebenzi, ikunceda ukuba ulondoloze umgangatho othile wemali ngoxa ukhangela amathuba afanelekileyo emisebenzi.

Iimfuneko Zokonwaba Ukuze Ube Neengenelo Zokungabikho Kwemisebenzi

Ngeli xesha urhulumente ngamnye emisela imilinganiselo yakhe yokungaphelelwa yi-inshorensi yokungaqeshwa, inkoliso yeemeko ifuna abamangalelwa ukuhlangabezana nezi meko jikelele: bahlukene ngaphandle kwempazamo yabo. Kumaphondo amaninzi, ukuba luncedo kufuna ukuba lowo uthe nxaxheba aphulukane nomsebenzi wakhe ngenxa yokudilika, ukuhla komkhosi, ukuvalwa kwenkampani, okanye ukunqongophala komsebenzi okhoyo — kungengenxa yokuncama okanye ukupheliswa ngokuzithandela kwehambo evakalala. Amanye amazwe avumela iingenelo kubasebenzi abayeka ngesizathu esilungileyo "sokungakhuselekanga" (njengemeko zokusebenza, ukukhathazwa, okanye izizathu ezithile zentsapho), kodwa ingcaciso yezizathu ezintle iyahluka ngokwemeko.

[[UMTL:0] Ixesha lokufumana elisekelwe iimfuno[[UMTL:1]

Abathengi kufuneka bafumane umvuzo omncinane womvuzo okanye basebenze ubuncinane benani leeveki ngexesha lesiseko. Ixesha elisisiseko lelokuqala leendawo zokuqala ezine kwikhalenda yokugqibela egqityiweyo ngaphambi kokuba ufake ifayile yakho. Umzekelo, ukuba usebenza ngowama-2026 eNew Jersey, kufuneka ukuba ubufumana ubuncinane ii-R310 ngeveki malunga nama-20 okanye ngaphezulu emsebenzini owenziwe ngexesha lonyaka wakho osisiseko, okanye upheleleyo we-R46,50 (iiii-R37 500).

Iimeko ezahlukeneyo zineemfuno zemali ezahlukeneyo. Kwiphondo laseWashington, kufuneka usebenze iiyure eziyi 680 kunyaka wakho osisiseko. Ukuba awufaneleki phantsi kwexesha elisisiseko eliqhelekileyo, umazwe amaninzi anika elinye ixesha elisisiseko elisebenzisa ingeniso yakutshanje ukufumanisa ukuba ilungile.

[[UMTL_UMKC] Oqhubekayo Iimfuno ezi-Elective[[UMTL_1]

Ukuze uqhubeke ufumana iingenelo zokungaqeshwa, kufuneka uhlangabezane neemfuno eziliqela eziqhubekayo:

  • [[UMTL: 0] Uyakwazi kwaye Ukhona Ukusebenza: Kufuneka ukwazi kwaye ufumaneke ukusebenza (umzekelo, hayi ngaphandle kwedolophu kwikhefu) kwaye ufikelele iimfuno zokukhangela umsebenzi.
  • Uphendlo lomsebenzi olusebenzayo: phantse onke amazwana afuna abafuni bokwenza uphendlo lomsebenzi osebenzayo njengemeko yokuqhubekeka komsebenzi. Amazwana amaninzi afuna uxwebhu lwemisebenzi yokukhangela umsebenzi (njengenani labaqeshi abaqhakamshelani ngeveki) xa eqinisekisa iinzuzo zeveki.
  • Isiqinisekiso esipheleleyo: Kufuneka ukhuphe iifayile veki nganye okanye iingxelo zeveki nganye eziqinisekisa ukuba awusebenzi kwaye uqhubeke ufikelela zonke iimfuno ezifunekayo.
  • Wamkele umsebenzi ofanelekileyo: Kufuneka ukulungele ukwamkela umsebenzi ofanelekileyo. Umsebenzi udla ngokuthathwa njengofanelekileyo ukuba uhambelana nobuchule bakho, amava, kunye noqeqesho, nangona ingcaciso yomsebenzi ofanelekileyo isenokuthi xhaphake ixesha elide ungaqeshwa.

Unokuzuza Kangakanani Xa Uswele Imisebenzi?

Umlinganiselo wongenelo lwemisebenzi wahluka kakhulu ngokorhulumente. Ubuninzi bemali efumaneka rhoqo ngeveki emalunga nama-2026 kuludwe olusuka kwii-R235 eMississippi ukuya kwi-R3,105 eMassachusetts (kuquka intlawulo yokuxhomekeka). Amazwe amaninzi abala inzuzo yakho yeveki ngeveki njengexabiso elimalunga nama-50% emali ohlawulwa ngayo ngeveki ngexesha elisisiseko, ukusa kumlinganiselo we-oreyibhithi karhulumente.

Ngokomzekelo, eMinnesota, iingenelo zinika malunga nama-50% emali ehlawulwa ngaphambi kwexesha, ukusa kumlinganiselo wee-$948 ngeveki ngo-2026, kangangeeveki ezingama-26 ngexesha umntu ekhangela umsebenzi omtsha.

EWashington, kwingxelo ebhaliweyo ngowama-2026, imali efunyenweyo ngeveki isukela kwii-R36 kubuncinane be-R2,152 kubuninzi. Lo mlinganiselo usekelwe kwimivuzo esuka kwizindlu ezimbini eziphezulu ngexesha lakho elisisiseko elahlulwe ngo- 52. Ungafumana iiveki ezingama-26 zeengenelo, ubuninzi obuyimali engama-R36,952 ebudeni bonyaka wakho ongenelweyo.

Iingenelo Zokungabikho Kwemisebenzi

Umlinganiselo wobude bengenelo ziiveki ezingama-26 kumazwe amaninzi, kodwa usukela kwiiveki ezili-12 eArkansas naseMntla Carolina ukuya kwiiveki ezingama-30 eMassachusetts. Amanye amazwe aye asebenzisa iinkqubo zobude bobude bobude obuguquguqukayo obusekelwe kumlinganiselo wokungaqeshwa kwelizwe okanye inani leeveki ozisebenze ngexesha lakho elisisiseko.

Iimeko ezikhethekileyo zingazenza iinkqubo ezinwebisa iinzuzo ezingaphaya kweeveki ezingama-26. Umzekelo, xa ukurhoxa kwezoqoqosho okanye isifo sobhubhani sibangela umlinganiselo wokungaqeshwa kwelizwe ukuba unyuke, iingenelo eziKhulu zinokubakho. Noko ke, kufuneka udibanise iingenelo zakho ezithe rhoqo kuqala ngaphambi kokuba ufanelekele naluphi na ulwandiso.

Indlela Yokusebenzisa Iingenelo Zokungaqeshwa

Inkqubo yesicelo yenzuzo yokungaqeshwa ikhutshiwe kumazwe amaninzi, ngoku faka ilayini kwindlela engundoqo. Nantsi into ofuna ukuyazi:

[[UMTLL:0] Xa Uzakusebenzisa[[UMQONDISO:1]

Kufuneka ubhale phantsi iprojekti yakho yokungaqeshwa ngokukhawuleza kangangoko kunokwenzeka emva kokuphulukana nomsebenzi wakho. Iingenelo azisebenzi kumhla wakho wokugqibela womsebenzi, kodwa kunoko ziqala kwiveki ofaka imvume yakho. Ukulibazisa isicelo sakho kuthetha ukulahlekelwa ziiveki zeengenelo.

Ulwazi Uza kulufuna

Xa uzama ukungenelwa ekungasebenzini, yiba nenkcazelo elandelayo:

  • Inani Lokhuseleko Loluntu
  • Iphepha-mvume lomqhubi okanye inombolo ye-ID yombuso
  • Iidilesi ezipheleleyo nemihla yokusebenza kwabo bonke abaqeshi kwiinyanga ezili-18 ezidlulileyo
  • Inani lokwahlula umqeshi womqeshi (FAIN) ukuba liyafumaneka
  • Inkcazelo emalunga nokwahlukana kwakho emsebenzini
  • Ulwazi lwe-akhawunti ye-akhawunti ye-oyili ye-openPGP
  • Inani lobhaliso lwe-Alien ukuba awungommi wase-U.S.

[[UMTLH: 0] Ixesha lokuhambisa [[UMTL_UMGAQO]

Ukuba ufaka ifayile kwi-intanethi kwaye awunamiba yokunganikezeli, ungalindela ukuba uhlawule okokuqala iiveki ezimbini-4 emva kokugqiba isaziso sakho sokuqala. Oku kuquka ixesha lokulungisa, ukuphendula umqeshi, ixesha elifunekayo lokulinda iveki enye, kunye nokusebenza kwemali. Iingxelo ezifuna ukubhatala zingathatha iiveki ezi-3-6 okanye ngaphezulu.

Ukucingisisa Ngeingenelo Zokungabikho Kwemisebenzi Ezibalulekileyo

Iingenelo zokungaqeshwa zinokuhlawulwa [

Kubalulekile ukuqonda ukuba inzuzo yokungaqeshwa zithathwa njengengeniso ehlawulwayo kumgangatho karhulumente nakwimimandla emininzi. Xa ufaka ingxelo yakho yokuqala, uzakuba nokhetho lokuba nerhafu karhulumente neyarhulumente erhoxiweyo kwirhafu yakho yeveki ngeveki. Iingcali ezininzi zemali zicebisa ukuba ukhethe olu khetho ukuze uphephe imali enkulu yerhafu xa ufaka irhafu yakho yaminyaka le.

[[UMTL:0] Ukusebenza ngexesha- Elinye Ngelixa Ufumana Iingenelo[[UMTL_1]

Ungasebenza inxalenye yexesha kwaye ufumane iingenelo. Enyanisweni, ukusebenza ixesha elithile kudla ngokwandisa inani leeveki onokufumana uncedo. Imali ehlawulwayo engakumbi inokukunceda ufanelekele intengo entsha xa unyaka wakho oluncedo uphela. Noko ke, ingeniso yakho yenxalenye yemali izakunciphisa ungenelo lwakho lweveki nganye ngokwengeniso yolwahlulo lwemali yemali karhulumente wakho.

[[Uluhlu:0] Ubalo-lwazi [[UMTL_1]

Izenzo ezithile zinokukwenza ungakufanelekeli ukufumana iingenelo zokungaqeshwa, enoba zezokwexeshana okanye ngokusisigxina:

  • Ukuyeka ngokuzithandela ngaphandle kwesizathu
  • Ukugxothwa ngenxa yehambo engafanelekanga
  • Ukwala umsebenzi ofanelekileyo ngaphandle kwesizathu
  • Ukungaphumeleli ukufuna umsebenzi ngokukhutheleyo
  • Ukuthetha ubuxoki kwityala lakho
  • Ukungabikho emsebenzini (njengokuya ekhefini okanye ukugula kakhulu ukuba ungasebenza)

Isikhokelo esizinzileyo kwiiNkqubo ze-Welfare

Iinkqubo zeWelfare, ezikwabizwa ngokuba ziinkqubo zoncedo lukarhulumente, ziquka iingcebiso ezininzi zikarhulumente ezilungiselelwe ukunceda abantu abafumana imali ephantsi kunye neentsapho zihlangabezana neemfuno zazo ezisisiseko. Ngokungafaniyo ne-inshorensi yokungaqeshwa, esekelwe kwimbali yomsebenzi yangaphambili, inkoliso yeenkqubo zentlalo-ntle ivavanywa, oko kuthetha ukuba luncedo kuxhomekeke kwingeniso nezinto.

Inkqubo yoncedo lokutya eyongezelelweyo (SNAP)

I-Someral Nutrition Application Program (SNAP), ngaphambili yaye isaziwa ngokuphandle njengenkqubo ye-Food Stamp, yinkqubo karhulumente wase-United States enika uncedo lokutya olufunxayo olusezantsi kwaye kungekho mntu ufumanayo ukubanceda balondoloze isondlo kunye nempilo. Yinkqubo yoncedo olusemthethweni elawulwa liSebe le-U.S. le-Agriculture (USDA) phantsi kweNkonzo yokutya neNtshukumezo (FSI), nangona inzuzo isasazwa ngamasebe athile e-U.S.

[[UMTL_UMKCI] IImfuno Zokufezekisa[[UMTL:1]

Iintsapho neentsapho zinokufanelekela ukufumana iingenelo ukuba zifumana umvuzo ohlawulwa kakhulu ngenyanga kunye nengeniso yomnatha efumaneka ngeli- 130% nekhulu elinamashumi alithoba okanye ngaphantsi, ngokwendlela elandelelanayo, kumgangatho we-odoli yexabiso elithile lendlu. Imida yemali efunyanwayo iyahluka-hluka ngokobungakanani bendlu kwaye ihla ngenxa yokunyuka kwamaxabiso emali minyaka le.

[[UMTLL: 0] Izicwangciso Imida[[FLT: 1]

Ii-asethi kufuneka ziwe ngaphantsi kwemida ethile: amakhaya angenalungu elineminyaka engama-60 okanye elingaphezulu okanye elikhubazekileyo kufuneka abe neempahla ze-$3,000 okanye ngaphantsi; amakhaya anelungu elinjalo kufuneka abe nempahla e-$,500 okanye ngaphantsi. Kodwa ke, kuxhomekeke kwimeko ohlala kuyo, ungakwazi ukuba noovimba abangaphezulu kwemida kwaye aqhubeke efanelekele kwi-SNAP. Amaziko amaninzi karhulumente amkele i-eliginiment ebanzi (BCE), evumela amaziko karhulumente ukuba amisele ingeniso kunye nemidaba yovimba kunye neenkqubo zawo eziqulukileyo ze-TANFFF.

[[UMTL:0] Indlela Iingenelo ze-SNAP ezibalwa ngayo

Umlinganiselo we-SNAP ofumana inzuzo yendlu yakho nyanga nganye ubizwa ngokuba ngumxhesho. Ngenxa yokuba iintsapho ze-SNAP kulindeleke ukuba zichithe malunga nama-30 ekhulwini ezinto zazo ekutyeni, izabelo zakho zibalwa ngokuphinda-phinda ingeniso yendlu yakho yenyanga nge-0.3, kwaye zisusa umphumo kwintlawulo epheleleyo yenyanga yobukhulu bendlu yakho.

Ngokomzekelo, eyona nzuzo inkulu kubantwana abangama-2026 kumalungu amathathu ngu-R240. Eyona nzuzo ininzi ifumaneka kumlinganiselo womnikelo wendlu (R44 254 764) ilingana no-R3661 kwintsapho efumana ingeniso yomnatha e-$12 (R444).

[[UMTL:0] Indlela yokusebenzisa iingenelo ze-SNAP

Inyanga nganye, inzuzo ye-SNAP idityaniswe kwikhadi lokuthumela iinzuzo ze-EKLS (EBT) elisetyenziswa xa uthenga ukutya. Ikhadi le-EBT lisebenza njengekhadi ledebit khadi kwaye lingasetyenziswa kwizitore ezisemthethweni, kwiivenkile, kwiivenkile, kwiivenkile eziluncedo, nakwiimarike zabalimi. Ungathenga izinto ezininzi zokutya, kodwa i-SNAP ayinakusetyenziselwa utywala, icuba, ukutya okuphekwe ngokushushu, okanye izinto ezingeyo ukutya.

[[UMTLL:0] Ukusebenzisa iSNAP

Ukufaka isicelo se SNAP, qhagamshelana ne-ofisi yakho ye-SNAP. Ngokuxhomekeke kwilizwe lakho, ungafumana isicelo sokutya kwi Internet, ngokobuqu, ngeposi, okanye nge fax. Kusenokufuneka ukuba ube nenxaxheba kudliwano-ndlebe phambi kokuba uvunywe ukwenzela iinzuzo ze-SNAP. Ngoku amazwe amaninzi anika iisicelo zengingqi zengingqi kunye nee-selula ukwenza inkqubo elungeleneyo.

[[UMTL:0] Amalungiselelo akhethekileyo kubantu abalupheleyo nabakhubazekileyo[[UMQONDISO:1]

ISNAP inemithetho ekhethekileyo enceda abantu abakhulileyo (abaneminyaka engama-60 nangaphezulu) kunye nabakhubazekileyo. Kwindlu enelungu elikhulileyo okanye elikhubazekileyo, zonke iindleko zekhusi ezingaphezulu kwesiqingatha sengeniso yendlu zingakhutshwa. Oku kunganyusa ngokuphawulekayo ungenelo lweentsapho ezifanelekeleyo ezinexabiso eliphezulu lezindlu.

Uncedo Lokwexeshana Kwiintsapho Ezisweleyo (TanF)

Uncedo lwexeshana kwiintsapho ezisweleyo (TANF) luyinkqubo yoncedo lwamaqumrhu anika uncedo lwemali kunye neenkonzo ezixhasayo kwiintsapho ezinabantwana. Ngokungafaniyo ne-SNAP, enika uncedo lokutya, i-TANF inika iindleko ezithe ngqo zemali ezinokusetyenziswa kwiimfuno ezahlukeneyo eziquka izindlu, izikhuphi-mali, impahla, nezinye izinto eziyimfuneko.

Inkqubo ye-TanF Imiterere

ATANF yinkqubo yokunika isakhiwo, ithetha ukuba urhulumente wesizwe unika inkxaso-mali kumazwe, ayile aze asebenzise iinkqubo zawo ngaphakathi kwemigaqo karhulumente. Oku kuphumela kwiziphumo zolwahluko olubalulekileyo ngokweemeko, imilinganiselo elungeleleneyo, kunye neemfuno zodweliso ukusuka kurhulumente ukuya kurhulumente. Amanye amazwe anamagama awo kwiinkqubo ze-TANF.

[[UMTL:0]TANF Ukufumaneka

Iimfuno zokufezekisa jikelele zeTANF ziquka:

  • Ukuba nomntwana ongaphantsi kweminyaka eli-18 (okanye ongaphantsi kwe-19 ubudala) ukuba uhlala nomfundi wexesha elizeleyo
  • Ukukhulelwa
  • Imali ehlawulwayo kunye nemida yenkxaso emiselwe yimeko yakho
  • Ukuba ngummi wase-U.S. okanye ukufaneleka
  • Ukusebenzisana nabasebenzi benkxaso
  • Ukufikelela iimfuno zomsebenzi okanye ukuba nenxaxheba kwimisebenzi enxulumene nomsebenzi

[[UMTHETHO: 0] TANF Iimfuno Zomsebenzi

Uninzi lwabamkeli be-TANF kufuneka babe nenxaxheba kwimisebenzi yempangelo njengemeko yokufumana iingenelo. Le misebenzi iquka:

  • Imisebenzi engekho semthethweni
  • Uqeqesho lwe-job
  • Ukukhangela umsebenzi noncedo
  • Iinkqubo zenkonzo zoLuntu
  • Uqeqesho lwemfundo
  • Ukuqeqesha ubuchule bomsebenzi ngokungqalileyo
  • Imfundo yayinxulumene ngokungqalileyo nomsebenzi kwabo bangenaso isiqinisekiso sesikolo samabanga aphakamileyo

[[UMTLL: 0] Imida Yexesha[[UMTLH: 1]

Imali eqingqiweyo yemali yeTTANF enikwa iinyanga ezingama-60 (iinyanga ezintlanu) kubomi babo bonke, nangona amazwe enokubeka imida emifutshane yexesha kwaye angayifaka kwi-20% yetyala lawo ngenxa yokungalungelelani. Amanye amazwe aye asebenzisa imida emifutshane okanye izinto ezahlukeneyo kwiinkqubo zawo.

Iingenelo zeTANF kunye neeNkonzo

Ngaphandle koncedo lwemali, iinkqubo zeTANF zisoloko zinika:

  • Uqeqesho lwabantwana lokuncedisa abazali
  • Uncedo lwezothutho
  • Iinkqubo zoqeqesho lomsebenzi
  • Isalathisi somsebenzi
  • Inkxaso ekhoyo ekuncedeni iintsapho ziphumelele

Inkqubo Yokhetho lwezindlu (Unyuso 8)

INkqubo yokuKhetha iHome Voucher, eyaziwa ngokuba yiCandelo 8, ngunkqubo ephambili karhulumente karhulumente wesizwe yokunceda iintsapho ezifumana imali ephantsi kakhulu, abalupheleyo, kunye nabantu abaneziphene ukuze bafumane izindlu ezifanelekileyo, ezikhuselekileyo, nezicocekileyo emarikeni. Olu cwangciso lulawulwa kwindawo yasekuhlaleni ngamaqumrhu ezindlu zikawonke-wonke (PH).

[[UMTL: 0] Indlela Inkqubo esebenza ngayo[[UMTL: 1]

Izixhobo zokuqinisekisa ukuba iintsapho zifanele ukuzikhethela izindlu zazo, kuquka izindlu zeentsapho enye, izindlu zeedolophu, kunye namagumbi okuhlala. Intsapho ihlawula malunga ne-30% yengeniso yayo elungelelanisiweyo enyanga zonke kwirente kunye nezinto eziluncedo, kwaye iPHA ihlawula eziseleyo ngqo kumnini-ndlu. Indlu kufuneka ihlangabezane nemilinganiselo encinane yempilo nokhuseleko emiselwe yi-HUD.

[[UMTL:0] Iimfuno zokubonelela[[UMTL_1]

Ukufanelekela isiqinisekiso semali, ingeniso yentsapho yakho mayingagqithi ku-50% yomvuzo we-media kwingingqi yakho okanye kummandla wengingqi. Njengoko kufuneka ukuba i-75% yabafaki-zicelo abangeneyo abangaphaya kwama-30% engeniso yommandla wolawulo-ndaba. Ukunganyaniseki kuxhomekeke ku-:

  • Ubukhulu kunye nolwakhiwo lwentsapho
  • Ukuba ngummi okanye ukufaneleka kwemeko yokufuduka
  • Ukufikelela kwiinkqubo zokuvavanya iPHA, ezinokuthi ziquke ii-'ref's's's uvavanyo lolwaphulo-mthetho kunye nembali yokuqeshwa

Inkqubo yeNkqubo kunye noLuhlu lokuLinda[[UMTLL:1]

Ngenxa yokufunwa kakhulu nokunqongophala kwemali, uninzi lwe-PHS lunemiba emininzi yokulinda abanikezi bezindlu. Olunye uluhlu lokulinda luvalwe kubafaki-zicelo abatsha, ngoxa olunye lungavula ngamaxesha athile. Xa lufaka isicelo:

  • Phepha ngeNPO ezifumana inkxaso-mali
  • Gqiba inkqubo xa uluhlu lokulinda luvuliwe
  • Phephela uxwebhu lwengeniso, iimpahla, kunye nobalo lwentsapho
  • Linda ukuze kuqhagamshelanwe naye xa igama lakho lifikelela phezulu koluhlu
  • Yiya kwiseshoni efutshane kwaye fumana i-Screensaver yakho ukuba ikhethiwe
  • Isalathisi somsebenzi wePH.

[[UKWENZIWA:0] Uthutho

Enye inzuzo ebalulekileyo yeNdlu Yokukhetha Indawo Yokuhlala kukungangeni. Ukuba ufumene isiqinisekiso, ungasisebenzisa naphi na eUnited States apho iPHA iqhuba inkqubo yokuqinisekisa indawo yokuhlala. Oku kuvumela iintsapho ukuba zifudukele kwiindawo ezinemisebenzi engcono, izikolo, okanye ukuba zisondele kwintsapho.

I-Medicaid

UMedicaid ngucwangciso oludityanisiweyo lwesizwe nelorhulumente olunika izigidi zabantu baseMerika inkcazo yempilo, kuquka abantu abadala abafumana imali ephantsi, abantwana, amabhinqa akhulelweyo, abantu abadala nabaneziphene. IMedicaid yeyona nto iphambili ekuthwaliseni impilo eUnited States.

[[UMTL:0] Ukufumaneka okungagqibekanga

Ukukwazi ukumelana noMedicaid kuyahluka ngokwemeko, kodwa jikelele kubandakanya:

  • Iintsapho eziphantsi ezinabantwana
  • Amabhinqa akhulelweyo
  • Abantwana nabakwishumi elivisayo
  • Abantu abadala (65 kunye nangaphezulu)
  • abantu abaneziphene
  • kumaphondo okwandisa, abantu abadala abafumana ingeniso ukuya kutsho ku-88% kumgangatho wobuhlwempu karhulumente

Ulwandiso lweMedicaid

UMthetho wesiChokotho-zincwadi weAffordicure Care unike irejithi yokuchaza indlela yokwandisa iMedicaid kubantu abadala abafumana ingeniso efikelela ku-88% yeqondo lobuhlwempu lorhulumente. Ngonyaka wama-2026, uninzi lwamazwe luye lwamkela ulwandiso lweMedicaid, ukwanda okuphawulekayo kokufikelela kwinkcaso yempilo kubantu abadala abangenamali ingako. Noko ke, amanye amazwe awazange andise iMedicaid, adala umsantsa wokugquma kubantu abadala abafumana imali ephantsi kakhulu abafumana imali eninzi kakhulu ukuba bafaneleke kwisithethe seMedicaid kodwa abanokukwazi ukuthenga i-inshorensi.

[[UMTL:0] Izicwangciso ezigqunywe yi Medicaid

IMedicaid iquka iinkonzo ezininzi zempilo, kuquka:

  • Ukutyelelwa ngoogqirha nokunyanyekelwa
  • Ukuhlala ezibhedlele kunye neenkonzo zongxamiseko
  • Amayeza okunyanga
  • Iimvavanyo zelebhu kunye nee-X-reyi
  • Impilo yengqondo nokusebenzisa kakubi iziyobisi
  • Ukukhulelwa nokufumana iinkonzo zokuzala
  • Isalathisi somsebenzi wePhondo
  • Ukubonelela abantwana

[[UMTL:0] Ukusebenzisa iMedicaid[[UMTL:1]

Ungafaka isicelo seMedicaid kwimijelo emininzi:

  • Umxhasi wemedicaid karhulumente wakho
  • I-Internal Indawe ye-Englicare e-Health Care.gov
  • ISebe lakho lasekuhlaleni leeNkonzo zoLuntu
  • Izibhedlele namaziko ezempilo asekuhlaleni asoloko efumana uncedo

Akukho xesha lokubhalisa elivulekileyo leMedicaid − ungafaka naliphina ixesha kulo unyaka. Ukuba ufumene ufanelekile, ugqumo luqala inyanga oyifake okanye inyanga obe uyifanele.

Iinkqubo zoncedo jikelele

Iinkqubo ze-Application General Application (GA) ezikwabizwa ngokuba yiNqamla-MALI Jikelele okanye iNqamlo yeZiko, ziinkqubo ezibonelelwa ngemali ezinika uncedo oluncinane kubantu abafumana iingeniso ezingalufanelekelanga iinkqubo zoncedo lwesizwe. Ezi nkqubo zahluka ngokuphawulekayo ngokwendawo, yaye asizizo zonke iindawo okanye iindawo ezibanika zona.

[[UMTL:0] Ngubani ofanelekela Uncedo ngokubanzi

Uncedo jikelele luyasebenza:

  • abantu abadala abangatshatanga abanabantwana
  • Izibini ezingenabantwana
  • abantu abalindele imvume yeengenelo zesiphene sikarhulumente
  • Abantu abawugqibileyo umlinganiselo wexesha le-TANF
  • Abantu abangafikeleliyo kwiimfuno ezipheleleyo zezinye iinkqubo

[[UMTHLO:0] Izixhobo kunye neziphene[[UMTL:1]

Iinzuzo eziqhelekileyo zoncedo zincinane kwaye zingaquka:

  • Imali ehlawulwayo encinane
  • Uncedo ngerenti okanye iziphakamisi-zixhobo
  • Unyango kwezinye iindawo
  • Uncedo lwexesha likaxakeka

Iinkqubo ezininzi zoncedo jikelele zinemida engqongqo yexesha, iimfuno zomsebenzi, kunye neemfuno zokuhlala. Xelela iSebe lakho leSebe loNtlalo ukuze wazi ukuba ngaba ukhona na uNcedo jikelele kummandla wakho kwaye ziziphi iimfuno ezikhethekileyo.

Iinkqubo ezongezelelweyo zenkxaso

Ngaphandle kweenkqubo eziphambili ekuxutyushwe ngazo ngasentla, iinkqubo eziliqela zoncedo zinokubanceda abantu neentsapho zihlangabezane neentswelo ezithile.

Inkqubo Ekhethekileyo Yezondlo Zamabhinqa, Iimveku Nabantwana (Wic)

IWIC inika amazwe iminikelo yokutya okungezelelekileyo, ii-herterals zonyango nemfundo yokondleka komzimba kukukhulelwa okuncinane, ukuncancisa, nokuncancisa amabhinqa asandul ’ ukuzalwa, kunye neentsana nabantwana abaneminyaka emihlanu abanokufunyanwa besengozini yokufumana ukutya okunesondlo.

Iingenelo ziquka:

  • Ukutya okunesondlo okunezondlo okulungele ukuhlangabezana neemfuno zabathathi-nxaxheba
  • Imfundo yezoko nokucebisa
  • Ukuvavanywa nokujoliswa kwabasebenzi kwimpilo
  • Ukunyuselwa nokuxhaswa kwamabele

IWIC asiyonkqubo enika ilungelo, nto leyo ethetha ukuba iKhomishini ayibeki mali ecaleni ukuze ivumele wonke umntu ofanelekileyo ukuba abe nenxaxheba. Endaweni yoko, iWiC ngucwangciso lwemali olugunyaziswe yiKhomishini yemali ekhethekileyo nyaka ngamnye. Ukufaka isicelo seWic, qhagamshelana norhulumente wakho okanye umbutho we-WiC.

Inkqubo yoncedo lwamandla asekhaya ehlawulwayo (LIHEAP)

I-LIHEAP inceda amakhaya afumana imali ephantsi yamandla, inika uncedo ngeendleko zokufudumeza nokupholisa, uncedo lwamandla, kunye nokulungiswa kwemozulu kunye nolungiso lwekhaya olunxulumene namandla. Ucwangciso lulawulwa ngamaphondo, amasimi, kunye nezizwe, nganye yazo ibeka iimfuno zayo ezizinzileyo kukhokelo lwamaqumrhu orhulumente.

[[UMTL:0] Uhlobo lwe-LIIAP Uncedo:

  • Uncedo olunika amandla: Uncedo ngerhafu yobushushu ebudeni benyanga zobusika
  • Uncedo lokuBonisa: Uncedo ngokupholisa iindleko ngexesha lehlobo
  • Uncedo lwexesha longxamiseko xa ujongene nemeko eshushu okanye epholisayo
  • Ukwenziwa kwemiqathango: Iinkonzo ukwenza ikhaya lakho libe namandla angaphaya

Imali ye-LIHEAP ilinganiselwe, kwaye iinkqubo ezininzi zisebenza kwingeniso yokuqala, kwisiseko sokuqala esigciniweyo. Xhumana norhulumente wakho okanye i-ofisi ye-LIHEP yasekuhlaleni kwangoko ngexesha lokufudumala okanye lokupholisa ukuze usebenzise.

Ingeniso yoKhuseleko eyongezelelweyo (SSI)

SSI inika abantu abafumana ingeniso elinganiselweyo kunye nezibonelelo ezincinane, abaneziphene, okanye abafamayo, okanye abaneminyaka engama-65 okanye ngaphezulu. I-SSI yahlukile kwiingenelo ze-Social Security.

[[UMTL_BO: 0] Iimfuno zokubonakalisa:[[UMTL:1]

  • Ukuba neminyaka engama-65 okanye ngaphezulu, ukuba yimfama okanye ukuba yimilwelwe
  • Imali nemali encinane
  • Yiba ngummi wase-United States okanye ufikelele iimfuno ezikhethekileyo ezingezozamali
  • Kunye kumaphondo angama - 50, kwiSithili saseColumbia, okanye kwiZiqithi ezikuMntla Mariyana
  • Ukubhalisa kwenyanga epheleleyo yekhalenda okanye iintsuku ezingama-30 ezilandelelanayo okanye ngaphezulu
  • Ukucela ezinye iingenelo onokuzifumana

Ukufaka isicelo se-SSI, qhagamshelana noMbutho Wezokhuseleko weNtlalo, weInternet okanye ngokutyelela iofisi yoKhuseleko lweNtlalo-ntle yasekuhlaleni. Le nkqubo inokuba mide kwaye ifuna uxwebhu oluninzi lwemeko yakho yempilo, ingeniso kunye nezinto zakho.

Inkqubo yeMoyoline (I-Phone kunye ne-Intanethi)

Inkqubo yobomi inika ifono-mfono-mfono ne-intanethi encinane ukulungiselela abathengi abafumana imali ephantsi. Le nkqubo ilawulwa yiKhomishini yoNxibelelwano loManyano (FCC) kwaye inceda ukuqinisekisa ukuba bonke abantu baseMerika banokufikelela kwiinkonzo zonxibelelwano eziyimfuneko.

[[UMKCU] Iingenelo zobomi:

  • Ukungafumaneki kwinkonzo yefowuni yenyanga, kwinkonzo ye-intanethi ebanzi, okanye kwimpahla yebhanti elihamba ngelizwi elijijekileyo
  • Ikhaya ngalinye lingenelwa
  • Ukhona kubanikezeli abanenxaxheba

Ungalufanelekela uBomi kunye noncedo lobuRhulumente ukuba umvuzo wakho ungaphantsi okanye ngaphantsi kwe 135% yemigaqo karhulumente yobuhlwempu okanye ukuba uthatha inxaxheba kwiinkqubo ezithile zoncedo ezifana neSNAP, Medicaid, SSI, inkxaso yeMandela yeNdlu yoLuntu, okanye iPenteons kunye neNtlekele.

Ukuqinisekisa Inkqubo Yesicelo

Ukusebenzisa iinkqubo zoncedo zikarhulumente kusenokuziva kunzima, kodwa ukuqonda le nkqubo nokulungiselelwa kwayo kunokwenza ilunge ngakumbi.

Iqokelela Uxwebhu Olufunekayo

Iinkqubo zoncedo ezininzi zifuna iindidi ezifanayo zoxwebhu. Ukuba nala maxwebhu alungiselwe phambi kokuba usebenzise kungakhawuleza inkqubo:

  • Uchazo: ilayisensi yomqhubi, i-ID yemeko, isatifiketi sokuzalwa, okanye ipasi yokundwendwela
  • [[UMTL:0] Amakhadi oKhuseleko oluPhakathi: kuwo onke amalungu endlu
  • Isiqinisekiso sokungagqibeki, isivumelwano setyala lendlu, okanye ingxelo yendlu
  • Ukufumana Uqinisekiso: Ukuhlawula iziphene, iimpendulo zerhafu, iingxelo eziluncedo zokungaqeshwa, ukhuseleko lwentlalo
  • IiNgxelo zoMta: Iingxelo zamva nje kuzo zonke iityala
  • Uxwebhu olukhutshiweyo:[[FTL:1] Ii-lisithi, iindleko ze-unit, iindleko zokunyamekela umntwana, iindleko zezamayeza
  • Amaxwebhu okususela: Ukuba ayasebenza, ubungqina bobume bokuhambelana kokufuduka

Ukuqonda Ukuqinisekiswa Nodliwano - ndlebe

Iinkqubo ezininzi zoncedo zifuna udliwano-ndlebe njengenxalenye yenkqubo yokufaka isicelo. Oku kusenokuqhutywa ngokobuqu, ngemfonomfono, okanye ngokukhulayo ngokufaka ividiyo. Ngexesha lodliwano-ndlebe, umfaki-tyala uya kuphendula:

  • Uhlolo lobalo
  • Buza imibuzo ngemihlathi yakho, ingeniso neendleko zakho
  • Chaza iimfuno zocwangciso neembopheleleko zakho
  • Isicelo soxwebhu olongezelelweyo ukuba luyafuneka
  • Phendula imibuzo yakho malunga nocwangciso

Ukunikela inkcazelo engeyiyo kunokuphumela ekukhanyeni iingenelo, ekuphelisweni kweengenelo ezikhoyo, nasekutyholweni ngetyala.

Iimfuno zokuqinisekisa nokuxela

Iinkqubo zoncedo ezininzi zifuna isiqinisekiso kwakhona ngamaxesha athile ukuqinisekisa ukuba uhlala ufanelekile. Amaxesha okuqinisekisa ayahluka ngokwenkqubo nangombuso kodwa asoloko eyenzeka rhoqo kwiinyanga ezintandathu ukuya kwezili-12. Uza kwamkela isaziso phambi kwexesha lokuqinisekisa uphela ngemiyalelo yokuba uza kuphinda uphinde uvume njani.

Phakathi kwamaxesha okuqinisekisa, kufuneka uxele utshintsho oluthile kumenzi-tyala wakho, kuquka:

  • Ukutshintsha kohlobo lokuqanjwa kwasekhaya (ukuzalwa, ukufa, umntu ofudukela ngaphakathi okanye ngaphandle)
  • Iinguqu kwingeniso okanye kumsebenzi
  • Iinguqu kulwazi lwedilesi okanye loqhagamshelana naye
  • Iinguqu kwimpahla okanye kwizinto
  • Iinguqu kwiindleko ezifana nerente okanye iindleko zokunyamekela umntwana

Ukungaphumeleli ukuchaza iinguqu ezifunekayo kungaphumela ekuhlawuleni ngokugqithisileyo okuza kufuneka uhlawule, okanye ukuhlawulwa phantsi okuthetha ukuba awufumani zonke iingenelo onelungelo lokuzifumana.

Amalungelo Neembopheleleko Zakho

Amalungelo Akho Njengomkholisayo

Njengomntu ocela okanye oncedwa ngurhulumente, unamalungelo abalulekileyo:

  • Ekunene Ukusebenzisa: Unelungelo lokufaka nakweyiphina inkqubo okholelwa ukuba ungayifanelekela
  • Isicelo sakho kufuneka silungiswe ngexesha elifanelekileyo kwizakhelo zexesha ezimiselwe yinkqubo nganye
  • Ekunene kwi Isaziso esibhaliweyo: Kufuneka ufumane isaziso esibhaliweyo saso nasiphi na isigqibo esiphathelele iingenelo zakho, kuquka imvume, ukukhanyela, kunye neenguqu
  • [[UMTL:0] Ekunene kwisibheno: Unelungelo lokubhena nasiphi na isigqibo ongavumelaniyo naso kwinkqubo yokuva kakuhle
  • [[UMTL:0] Ilungelo lokufihla imfihlelo: Ulwazi lwakho lobuqu kufuneka lugcinwe luyimfihlo luze lusetyenziswe kuphela kwiinjongo ezinxulumene nokufumana intsebenziswano nokunika iingenelo
  • Ilungelo lonyango lwentlonelo: Unelungelo lokuphathwa ngesidima nangentlonelo ngabasebenzi benkqubo
  • Ekunene kulwimi Uncedo: Ukuba awuthethi isiNgesi, unelungelo lokutolika kunye neenkonzo zoguqulelo

Iimbopheleleko Zakho

Kukho neembopheleleko ezihambisana namalungelo:

  • Ulwazi oluchanekileyo:[[FTL:1] Kufuneka unikezele iinkcukacha eziyinyaniso nezipheleleyo kwisicelo sakho nakuyo yonke inxaxheba yakho
  • [[FLT: 0] Iinguqu zengxelo: Kufuneka unike ingxelo iinguqu ezifunekayo kwiimeko zakho ngexesha lodweliso oluxelwe kwinkqubo yakho
  • Isebenzisana noqinisekiso: Kufuneka unikezele uxwebhu oluceliweyo kwaye usebenzisane neenkqubo zoqinisekiso
  • Isebenzisa iMimiselo yeNkqubo: Kufuneka ulandele zonke iimfuno zodweliso lwenkqubo, kuquka iimfuno zomsebenzi, imisebenzi yokukhangela umsebenzi, kunye nokusetyenziswa okufanelekileyo kweengenelo
  • Idinga eliDityanisiweyo: Kufuneka ubekho kudliwano-ndlebe olucwangcisiweyo, ukudibana, kunye nemisebenzi efunekayo
  • [[UMTHLO: 0] Ukuhlawula ngokugqithisileyo: Ukuba ufumana iingenelo obungenalungelo lazo, umele uzihlawule

Inkqubo Yezibheno

Ukuba isicelo sakho asivunywanga okanye iingenelo zakho zincitshisiwe okanye ziphelisiwe, unelungelo lokufaka isibheno kwisigqibo. Inkqubo yezibongozo ibandakanya:

  • [[FLT: 0] Uhambisa isibheno esibhaliweyo: Kufuneka ukhuphe isibheno sakho ngokubhala ngexesha isakhelo esikhankanyiweyo kwisaziso sakho (ngokuqhelekileyo 30 ukuya ku 90 iintsuku)
  • Iingenelo eziqhubekekayo: Kwezinye iinkqubo, unganakho ukuqhubeka ufumana iingenelo ngexesha isibheno sakho silindele ukuba ufakela ngesakhelo esithile sexesha
  • Ukuva: Uza kuba nethuba lokunikela imeko yakho ekuchotshelweni phambi kwegosa elivayo elingakhethiyo
  • [[UMTHETHO: 0] Unikezelo: Unelungelo lokumelwe ligqwetha okanye omnye ummeli ekuchotshelweni
  • [[UMTL:0] Ubungqina obuPhawulwayo: Unganikela amaxwebhu, ubungqina, namangqina ukuxhasa imeko yakho
  • Isigqibo se-Writte:[[FT:1] Uza kufumana isigqibo esibhaliweyo esichaza oko kufunyaniswe ligosa elivayo
  • [[UMTL:0] Izibheno eziphindaphindiweyo: Ukuba awuvumelani nesigqibo sokuva, unokuba nelungelo lokufaka izibheno ngokubhekele phaya kwinkqubo yenkundla

Musa ukuyivumela inkqubo yezibheno ikoyikise. Imibutho yoncedo olusemthethweni kunye namaqela okhuphiswano anokunikela uncedo ngesisa kwizibheno.

Ziphucule Iingenelo Zakho

Ukusebenzisa Iinkqubo Ezininzi

Abantu abaninzi bafanelekela iinkqubo ezininzi zoncedo ngaxeshanye. Enyanisweni, ukuba nenxaxheba kwenye inkqubo kungazenzakalela ukuba ufaneleke kwabanye ngokungenanjongo. Umzekelo, ukuba onke amalungu endlu yakho afumana uncedo lwexeshana kwiintsapho ze-Ivery Families (TTANF), ukhuseleko oluninzi lwe-Infime (SI), okanye kwezinye iindawo olunye uncedo jikelele, indlu yakho isenokugqalwa njenge "efanelekeleyo" ye-SNAP kuba sele uzimisele ukufaneleka kwenye inkqubo yovavanyo.

Cinga ngokufaka isicelo kuzo zonke iinkqubo osenokuba uzifanele:

  • Ukuba awusebenzi, faka isicelo kwiingenelo zokungaqeshwa kunye ne SNAP
  • Ukuba unabantwana, khangela iTANF, iSNAP, iMedicaid, iWic kunye noncedo lokunyamekela umntwana
  • Ukuba uxakeke yimali yezindlu, faka isicelo soncedo lwezindlu kunye ne-LIHEP
  • Ukuba ukhulile okanye ukhubazekile, hlola i-SSI, i-SNAP, iMedicaid, kunye noncedo lwezindlu

Ukuqonda Iingenelo Zezisu

"Ingxondorha elincinci" lenzeka xa ukwanda kwengeniso kuphumela ekulahlekelweni kakhulu kweenzuzo, kushiya imali yakho imbi kunangaphambili. Oku kunokwenzeka xa unyusiwe, wandise iiyure zakho zokusebenza, okanye uqalise umsebenzi omtsha. Ukuphepha okanye ukunciphisa amatye ayingenelo:

  • Yazi indlela imali eninzi enokuyichaphazela ngayo iingenelo zakho nganye
  • Cela umenzi-mali wakho ukuba afunde indlela ukutshintsha imali okunokuba yiyo okuchaphazela ngayo
  • Ukuqwalasela enoba ukwamkela iiyure ezingakumbi zomsebenzi okanye ukunyusa imali kuya kuyiphucula imeko yakho yemali
  • Jonga iinkqubo ezithe zaphuma ngokuthe ngcembe kunokuba ususe
  • Uphando lweengenelo eziqhubeka ixesha elithile emva kokuba uqeshiwe

Inkxaso ecwangcisiweyo

Iinkqubo ezininzi zoncedo zinikela uncedo olunenkxaso ngaphandle kwemali okanye ukutya okunenzuzo.

  • Iinkqubo ezininzi ze-TANF zinika uqeqesho lwesisa lomsebenzi, iinkqubo ze-GED, kunye nemfundo yomsebenzi
  • Uncedo lokukhathalelwa komntwana Uncedo ngexabiso lokunyamekela umntwana ngelixa usebenza okanye usiya kuqeqesho
  • Uncedo lonikezelo: Ezinye iinkqubo zinikezela ngeendleko zoduladula okanye uncedo ngexabiso lezithuthi
  • Ulawulo lobuchule: Umsebenzi nomcebisi wakho ukuphuhlisa ucwangciso lokufumana ubuchule bokwanelisa
  • Iinkqubo zezemali zokubhala: Iiklasi ezikhululekileyo kuqingqo-mali, ukugcina, kunye nolawulo lwemali
  • IiNkonzo zokuSebenza: qala ukubhala, udliwano-ndlebe lokulungiselela, kunye noncedo lobeko lomsebenzi

Ucelomngeni Oluqhelekileyo Nendlela Yokoyisa

Ukuhlangabezana Nexesha Lezicelo

Isicelo sizakuthatha ixesha elide kunokuba kulindelekile. Ukuba ufumana ulibaziseko:

  • Gcina imibhalo yayo yonke into oyinikelayo
  • Zilandele rhoqo umfolokazi wakho
  • Bhala zonke iingxelo, kuquka imihla, amaxesha, kunye nomntu othethe naye
  • Buza malunga nocwangciso olucwangcisiweyo ukuba ujongene nemeko kaxakeka
  • Qhagamshelana nomphathi ukuba awufumani mpendulo kumenzi-tyala wakho
  • Phendula uncedo kumthetho okanye kwimibutho yolwaphulo-mthetho ukuba ukulibazisa akunangqiqo

Ukuthetha Iingxaki Zobungqina

Ngamanye amaxesha ukufumana amaxwebhu oqinisekiso afunekayo kungaba lucelomngeni. Ukuba unengxaki:

  • Umdlali olungisa amatyala wakho uyamkeleka kusini na
  • Ukucela uncedo kumbutho ekufumaneni amaxwebhu
  • Nika ingxelo ebhaliweyo echaza isizathu sokuba ungawafumani amaxwebhu athile
  • Ubungqina obungaphelelanga ngexesha usebenzela ukufumana amaxwebhu aseleyo
  • Buza malunga nokhetho lozihlolo lobuqu lwentlobo ezithile zolwazi

Ukulawula ukuhlawulwa ngokugqithisileyo

Ukuba ufumana isaziso esigqithisileyo, musa ukuphaphazela. Iinketho zokuchaza ukuhlawulwa ngokugqithisileyo ziquka:

  • ukuba ayichanekanga:[[FT:1] Ukuba ukholelwa ukuba unyuso lokutshayelela luphosakele, fayile isibheno ngoko nangoko
  • [[UMTL: 0] Cela ukuThoba: Kwezinye iimeko, ungakwazi ukubeka unyuso olugqithisileyo kuhlawulo olungaphantsi kolwalo olupheleleyo
  • [[UMTL:0] Beka Isicwangciso Sembuyekezo: Amasebe amaninzi aza kusebenza nawe ukuseka isicwangciso sokuhlawula esinokufikeleleka nyanga nganye
  • [[NTL:0] Ityala elipheleleyo: Ukuba ukuhlawulwa kakhulu bekungesiso ityala lakho kwaye ukuhlawula kuzakubangela ubunzima, ungakwazi ukucela umenzi wento engekhoyo
  • Ingaphantsi kokwanyuswa: Ukuba usafumana uncedo, isibonelelo singanciphisa iingenelo zakho zangoku ukuze ufumane intlawulo egqithisileyo

Oovimba Nendawo Onokufumana Kuyo Uncedo

Oovimba bakarhulumente

Iiwebhsayithi eziliqela zikarhulumente zinikela inkcazelo ebanzi ngeenkqubo zoncedo:

  • Benefit.gov: Yisiseko sogcino-lwazi esibanzi soncedo lwemeko yorhulumente nesesizwe esinesixhobo sokubonisa ukukunceda uchonge iinkqubo ozifaneleyo
  • USA.gov: Isikhokelo esisemthethweni solwazi neenkonzo zikarhulumente, kuquka iinkqubo zoncedo
  • Iwebhsayithi yeNkonzo yoluntu ye-Rhulumente: Amazwana amaninzi anewebhsayithi eyonikezelweyo yoncedo lweenkqubo zezicelo zengingqi kunye nolwazi lwe-intanethi
  • 211:[ I-Dial 211 ukusuka nakweyiphi na ifowuni ukudibanisa noovimba bobulali kunye neenkqubo zoncedo kuluntu lwakho

Isalathisi soMsebenzi weNkqubo

Uncedo lwasemthethweni olukhululekileyo lukhona kubantu abahlawulwayo abajongene nemibandela eyingenelo:

  • [[UMTLL:0] Iqumrhu leeNkonzo zoMgaqo-siseko: Fumana iofisi yakho yoncedo yobulali e lc.gov
  • Ibonelelo zesizwe se- IManyano yeNtlalo yabaSekela-lwazi: Ibonelelo ezibhekiselele kumagqwetha ancedayo kwimibandela yabathengi
  • Iqela lesizwe: Abaninzi banika igqwetha iinkonzo zesalathisi kunye neenkqubo ze-prono
  • Izikolo ezininzi zomthetho zisebenzisa iikliniki ezinika iinkonzo zomthetho ezikhululekileyo

Imibutho yoLuntu

Imibutho yasekuhlaleni inganikela uncedo lwesicelo, ulawulo, kunye noovimba abangakumbi:

  • Isenzo soluntu
  • Iibhanki zokutya neendawo zokutyela
  • Imibutho esekelwe kukholo
  • Isalathisi somsebenzi wePhondo
  • Amaziko Akhulu nengingqi eZixhobo zoKwaluphala
  • Icandelo loLawulo
  • Imibutho yeenkonzo zeembacu nezokhupho

Ukulungiselela impumelelo yexesha elide

Ngeli xesha iinkqubo zoncedo zinika inkxaso ebalulekileyo ngamaxesha anzima, eyona njongo iphambili kukufumana uzinzo lwemali nokuzinceda. Nazi iindlela zokuphumelela ixesha elide:

Ukwakha Ubuchule Nemfundo

Ziqeqeshe ngemfundo nangobuchule:

  • Lusebenzise kakuhle uqeqesho lwemisebenzi olunikezelwa nge-TANF okanye
  • Yenza iphulo lakho elilinganayo nelemfundo yamabanga aphakamileyo ukuba awunayo idiploma
  • Iinkqubo zophando lwasekholejini, ezininzi ezinika uncedo lwemali kubafundi abafumana imali ephantsi
  • Uphuhliso lobuchule obugunyazisiweyo kwiinkqubo ze-intanethi kunye neziqinisekiso
  • Ukuba nenxaxheba kwiinkqubo zoqeqesho ezinika uqeqesho oluhlawulayo

Ukuceba Imali Nokwakha Okufanelekileyo

Nokuba ufumana imali encinane, unokuqalisa ukwakha imali eninzi:

  • Yenza uqingqo-mali ukuze ufumane ingeniso neendleko
  • Vula iakhawunti yemali uze wonge nemali encinane rhoqo
  • Uhlolo lwe-akhawunti yoPhuhliso ngalunye (IDAS) oluhambelana nemali yakho
  • Lusebenzise ngokunenzuzo uncedo lwerhafu yamahhala kwaye uthi lonke ityala olifaneleyo, kuquka ityala lerhafu elihlawulwayo
  • Ukuphepha iinkonzo zemali ezixhaphakileyo njengemali-mboleko yosuku oluhlawulwayo nokuqinisekisa iinkonzo zemali
  • Ukunika ityala ngenkathalo ukuphucula amathuba emali kwixesha elizayo

Ukuhambela Phambili Komsebenzi

Jolisa ulwando lomsebenzi, kungekhona nje umsebenzi:

  • Ukusebenza nabacebisi bemisebenzi yokuchaza iindlela zomsebenzi kunye
  • Ukufuna umsebenzi kumashishini anokuvelisa amathuba
  • Uthungelwano neengcali zomsebenzi wakho
  • Phengulula abaqeshi abanika iingenelo, uqeqesho,
  • Qwalasela ukuqala ngeendawo zomgangatho wokungena ezinika iindlela ezicacileyo zonyuselo
  • Qhubekani niphuhlisa ubuchule nasemva kokuba niqeshiwe

Isiphelo

Iinkqubo zokungaqeshwa nezokhuseleko zisebenza njengeminatha ebalulekileyo kwizigidi zabantu baseMerika abajamelene neengxaki zemali. Ukuqonda ezi nkqubo, ukwazi amalungelo akho, nokufumana izinto ezikhoyo kungenza umahluko omkhulu kubuchule bakho bokumelana namaxesha anzima kwaye usebenzele ukufikelela ekuzinzeni ixesha elide.

Khumbula ukuba ukufuna uncedo akuyonto ibonisa ukuba akukho nto inokwenzeka, kodwa ezi nkqubo zikho ngenxa yokuba ibutho lethu liqonda ukuba nabani na unokujamelana nocelomngeni olungalindelekanga. Nokuba uhlangabezana nokulahlekelwa ngumsebenzi, ukuzama ukuhlawula ukutya, okanye ufuna uncedo ngeendleko zokuhlala okanye zezonyango, uncedo luyafumaneka.

Zinike ixesha lokuqwalasela zonke iinkqubo ongazifanele, uqokelele uxwebhu oluyimfuneko, kwaye ungathandabuzi ukufuna uncedo kubenzi betyala, imibutho yoncedo olusemthethweni, kunye nenkxaso elungileyo. Ngokuzingisa kunye nenkxaso elungileyo, uyakwazi ukusebenzisa ezi nkqubo ngempumelelo kwaye uzisebenzise njengamatye okunyathela ukuze ufikelele usukelo lwakho kunye nokwakha ikamva elikhuselekileyo lemali.

Indlela esuka kubunzima bemali ukuya kuzimaseko ayisoloko ilula, kodwa ngenkxaso yezi nkqubo nangokuzimisela kwakho, kunokwenzeka. Lusebenzise uncedo lwezibonelelo ezikhoyo kuwe, sebenzisa imfundo nobuchule bakho, kwaye uqhubeke usebenzela kwiinjongo zakho zexesha elide. Ezi nkqubo zenzelwe ukukunceda ngexesha lobunzima, zisebenzise ngobulumko njengoko ukha usondela kwikamva eliqaqambileyo.