Table of Contents

Ukunyanzela ukwakhiwa kwemeko entsonkothileyo yeengenelo zikarhulumente neenkonzo kusenokuziva kusithe gqi, kodwa ukuqonda oko kukhoyo nendlela yokufikelela ezi nkqubo kubaluleke kwizigidi zamaMelika. Nokuba ujongene nobunzima bemali, ucwangciso lokulawula iindleko zonyango, okanye uzama nje ukwenza izicombululo, oorhulumente borhulumente norhulumente banika uludwe olubanzi lweenkqubo zoncedo olulungiselelwe ukuxhasa abemi ngexesha lamaqondo obomi nakwiimeko ezahlukeneyo. Olu khokelo lubanzi luya kukunceda uqonde iinzuzo ezinkulu zikarhulumente ezikhoyo, iimfuno zobuchule, iinkqubo zolawulo, kunye neenkqubo zokwandisa inkxaso yakho enelungelo lokufumana.

Ukuqonda Umgangatho Wobuhlwempu Bomanyano Nemigaqo Engalawulekiyo

Isiseko soninzi lweenkqubo zoncedo zikarhulumente siqala ngeFederal Ubuhlwempu (FPL), umlinganiselo wengeniso obalulekileyo obonisa ukuba kufanelekile ukubonelela ngeenzuzo ezininzi zikarhulumente norhulumente. Umgangatho woManyano lobuLuhlwempu ngumlinganiselo wengeniso okhutshwa nyaka ngamnye liSebe lezeMpilo neNkonzo yoLuntu (HS) kwaye usetyenziselwa ukuqikelela ukuba zi-el elungele iinkqubo ezininzi zesizwe nezorhulumente ezincedayo, kuquka i-Mdicaid, i-SNAP, i-AP, i-APS, i-APSPS, kunye nezinye izinto ezibonelelwayo zentengiso.

2026 Federal Poverty Lequence yomntu omnye kumaphondo angama-48 ahlala engekho mgangathweni yi-R2,50 ngonyaka (R1,304 ngenyanga), kwaye kwintsapho enamalungu amane, i-2026 ubuhlwempu yi-R2,150 ngonyaka ngenyanga). La manani abonisa unyuko oluthelekelelwayo ukusuka kunyaka ophelileyo, ebonisa uhlengahlengiso lokwehla kwemali.

Kubalulekile ukuqonda ukuba inkoliso yeenkqubo ayisebenzisi i-100% yeFPL njengendawo yokususa kwayo, kodwa endaweni yoko sebenzisa ipesenti yeFPL. Iinkqubo ezahlukeneyo zicwangcisa imiqobo yazo yengeniso kwiipesenti ezahlukeneyo ngaphezulu komgca wobuhlwempu, nto leyo eyenza kube lula kwiintsapho ezinengeniso ngaphezu kweFPL ukufaneleka ukufumana uncedo.

AMAtyala erhafu afumaneka ku 400% FPL, iCIP igqubuthela abantwana ezintsatsheni abamalunga nama-200% ukuya kuma-300% ku-FPL kuxhomekeke kwiphondo, kwaye i-SNAP isebenzisa i- 130% ye-FPL njengomlinganiselo wengeniso egqithisileyo. Le ndlela ilandelelanayo iqinisekisa ukuba iintsapho ezisebenzayo ezifumana imali ngaphezu komgca wobuhlwempu kodwa ezisazama ngemali zingafumana iinkonzo ezithelekisayo.

Kubemi base-Alaska nase Hawaii, imigaqo eyahlukeneyo isebenza ngenxa yamaxabiso okuphila aphezulu. IFPL yase Alaska iphezulu nge25% kwaye iHawaii ingaphezulu nge15% kunenani lamazwe ahambayo. Olu tshintsho luqaphela iingxaki ezingaqhelekanga zezoqoqosho abajamelana nazo abemi kula mazwe.

Iintlobo Ezinkulu Zeingenelo Noncedo Lukarhulumente

Iinzuzo Zempilo Neenkqubo Zeinshorensi

Unyango luyenye yeendleko ezibalulekileyo kwiintsapho zaseMerika, yaye urhulumente unikela iinkqubo eziliqela zokunceda abemi ukuba bafumane unyango olunokufikeleleka. Iinkqubo zonyango lukarhulumente ziquka iMedicaid, iCIP, iMedicare, iACA Health Inshorensing Marector kunye neCOBRA.

I-Medicaid inika ingxubusho yempilo kwizigidi zamaMelika angenamali ingako, kuquka abantu abadala, abantwana, amabhinqa akhulelweyo, abantu abadala abakhulileyo, kunye nabantu abaneziphene. Ngokwengxelo yokuba iMedicaid yandisa uMdicaid phantsi koMthetho weCala Elingalawulekiyo, abantu abadala abanengeniso yasekhaya ukuya kutsho ku-138% yenani lobuhlwempu elifanelekileyo leMdeicaid. I-Medicaid isetyenziswa ngamazwe ngokweemfuno zomthetho, intembekiselo nenzuzo zinokuxhomekeka kuxhomekeke kwindawo ohlala kuyo.

isebenza njengenkqubo ephambili ye-inshorensi yempilo kumaMerika aneminyaka engama-65 nangaphezulu, kwakunye nabantu abathile abaselula abaneziphene. Le nkqubo ineenxalenye ezahlukeneyo ezigquma i-inshorensi yesibhedlele, i-inshorensi yezamayeza, kunye neziyobisi ezigunyazisiweyo. Ukuqonda amaxesha okubhalisa kunye neenketho zentengiso zibalulekile ekukhuliseni iinzuzo nasekuphepheni izigwebo.

Inkqubo ye-inshorensi yezempilo yabantwana (CHIP) inika abantwana intlawulo yempilo ephantsi kwiintsapho ezifumana imali eninzi kakhulu ukuba zifanelekele iMedicaid kodwa ezingakwaziyo ukuyihlawula i-inshorensi yobuqu. Urhulumente ngamnye uhambisa inkqubo yakhe ye-CHIP ngemida yengeniso eyahlukeneyo kunye neenkonzo ezigutyungelweyo.

UMthetho we-Internail Indari yezempilo uvumela abantu kunye neentsapho ukuba bathenge ii-inshorensi zempilo kwaye bafanelekele ukuthenga iimali zerhafu ezithengwayo kunye nokunciphisa iindleko ezithe kratya ngokusekelwe kwingeniso. Amathuba okubhalisa aqala minyaka le, nangona iziganeko zobomi zinokuxhobisa amathuba akhethekileyo okubhalisa.

Iinkqubo Zokunceda Ngokutya Nezokondlayo

Ukungakhuseleki kokutya kuchaphazela izigidi zabantu baseMerika, yaye iinkqubo zikarhulumente zokutya okunesondlo zinikela inkxaso ebalulekileyo ekuqinisekiseni ukuba iintsapho zifumana ukutya okwaneleyo nokunesondlo. Iintsebenziswano zinokufumana ukutya okunesondlo ngeSNAP (izitembu zokutya), iWIC kumabhinqa, iintsana nabantwana, kunye noncedo lokutya olungxamisekileyo.

Inkqubo ye-Supplient Nutrition Information Application Program (SNAP), eyaziwa ngokuba zizitembu zokutya, imela inkqubo enkulu yezokondleko yelizwe. I-SNAP inika iinzuzo zenyanga ezifakwe kwi-Electronic Refective Reference Transrection (EBT) yekhadi elinokusetyenziselwa ukuthenga izinto zokutya ezifanelekileyo kubathengi abagunyazi. I-Eggrafisi isekelwe ngokuyintloko kwingeniso yendlu nobukhulu, kunye neentsapho ezininzi ezifuna ukufikelela kwimiqatha yengeniso ye-e-email.

I-Special Nutrition Program yamabhinqa, iintsana, kunye nabantwana (WIC) inceda amabhinqa akhulelweyo, oomama abatsha, nabantwana abaselula abafikelela kwiminyaka emihlanu abasemngciphekweni wokungondleki. Ngoku uWic usebenza ngaphezu kwezigidi ezisibhozo zamabhinqa akhulelweyo, akhulelweyo, afumana inzala, nabantwana e-US, kwaye kwintsapho ukuba nenxaxheba kuwo kufuneka angabi namvuzo zingaphezulu kwe-185 ekhulwini lomgangatho wobuhlwempu obusemzini kwaye abe semngciphekweni. I-WiC inika ukutya okunesondlo, ingxubeko, inkxaso yenyama, kunye nenkxaso yempilo.

Inkqubo yeSidlo seSikolo iqinisekisa ukuba abantwana abakwiintsapho ezifumana intlawulo ephantsi bafumana isidlo sakusasa esinesondlo kunye nesidlo sasemini ebudeni bonyaka wesikolo. Inkqubo yeSikolo seLunch neSikolo sokuPhumeza iNkqubo yeSikolo sisebenza kuwonke-wonke nakwizikolo zabucala nakumaziko okunyamekela abantwana angenangeniso.

Iinkqubo ezongezelelekileyo zokutya ziquka iEmergency Food Affect Program (TEFAP), enika uncedo lokutya olungxamisekileyo kumaMerika afumana ukutya okuncinane ngeebhanki zokutya nangamagumbi okutyela, kunye nenkqubo yenkqubo yomntwana neyokunyamekela i-Adult CareFood (CACFP), enika ukutya nokutya nokutya okuncinane kwimiqathango yemini kunye nezixhobo zokunyamekela abantu abadala.

Uncedo lwezindlu nenkxaso

Iintsapho ezininzi zaseMerika zihlala zifumana ucelomngeni olubalulekileyo lwezindlu ezikumgangatho ophezulu. Iinkqubo zikarhulumente zilungiselela ukuqesha nokuthenga iinkqubo zoncedo, izindlu zongxamiseko, nokunceda ekuphepheni ukugxothwa.

Inkqubo yokukhetha iVoucher Program (Uthunyelo 8) imela inkqubo engundoqo karhulumente karhulumente worhulumente yokunceda iintsapho ezifumana imali ephantsi kakhulu, abantu abakhulileyo, nabantu abakhubazekileyo ekuhlawuleni isidima, esikhuselekileyo, kunye neendawo zokuhlala ezicocekileyo emarikeni. Le nkqubo yorhulumente inciphisa iindleko zokuqesha iingeniso zabucala kwiintsapho ezifumana imali ephantsi kakhulu, kunye nabantu abadala okanye abantu abakhubazekileyo, kunye norhulumente ehlawula ngokuthe ngqo inxalenye yerentente yemali yerente, kunye nabaqeshi behlawula umahluko phakathi komninindlu.

Imali yokufumana inkxaso-mali yokukhetha indawo yokuhlala ixhaswa ngurhulumente kodwa ibonelelwa ngamaziko asekuhlaleni ezindlu zikawonke-wonke (PHA), kwaye ngokuqhelekileyo, iintsapho ezinengeniso engagqithi kuma-50% engeniso yogcino-lwazi kwiphondo okanye kwisixeko sazo. Ngenxa yenkxalabo ephezulu, uluhlu olulinde iirejista zezindlu lungathatha ixesha elide kuluntu oluninzi.

[[FLT: 0] Indlu yePublic Home inikezela ngezindlu ezinokufikeleleka kwiintsapho ezifumana imali ephantsi, abalupheleyo, kunye nabantu abaneziphene. Amasebe asekuhlaleni ezindlu akwindawo ekwakhele kunye nezo zinto, ngokunjalo irente ibekwe kwi-30% yengeniso elungelelanisiweyo yenyanga.

Iinkqubo zobungcathu zeNkcubeko zinceda abantu kunye neentsapho ukuba bahlawulelwe iindleko zokuhlala, zithintele ukungabi namakhaya nokuqinisekisa ukuba izindlu zihlala kakuhle ngexesha leengxaki zemali. Ezi nkqubo zabaluleka kakhulu ngexesha lokuwohloka kwezoqoqosho neentlekele zemvelo.

Iinkqubo ezingakumbi zokuhlala ziquka iNkqubo yeNkongozelo yeNtsapho yeFAME, enceda amaphondo kunye neendawo ezixhasa imisebenzi yezindlu ezinokufikeleleka, kunye neenkqubo ezahlukeneyo zoncedo lwabanini-ndlu ezinceda abathengi abaqalayo ukuba bahlawule imali ephantsi kunye neendleko zokuvala.

Iingenelo Zokhuseleko Loluntu

UKhuseleko loLuntu lumela enye yeenkqubo zikarhulumente ezibalulekileyo, ukuxhasa ngemali abantu abathatha umhlala-phantsi, abantu abaneziphene, nabasindileyo kumsebenzi ofileyo. Ukhuseleko loluntu luquka iingenelo zokuthatha umhlala phantsi kunye neziphene, kwaye lunika inkcazelo ngendlela yokufumana okanye yokuthatha indawo yekhadi lakho loKhuselo lweNtlalo-ntle.

[[NKQUBO:0] Iingenelo ezizizo zinika abasebenzi abahlawule ngenyanga inkqubo yoKhuseleko loluntu kwimisebenzi yabo. Imali oyifumeneyo ixhomekeke kwingeniso yakho yobomi kunye neminyaka oqala ngayo ukuqokelela iinzuzo. Xa uqala ukufumana iinzuzo ezincitshisiweyo kwangoko uneminyaka engama-62, ulinde de ube neminyaka epheleleyo yokuthatha umhlala-phantsi okanye iminyaka engama-70 ngokuphawulekayo ingandisa intlawulo yakho yenyanga nganye.

Kwabo baqhubeka besebenza ngoxa befumana iinzuzo zokhuseleko loluntu ngaphambi kokuba bafikelele kwiminyaka yokudla umhlala-phantsi ngokupheleleyo, ingeniso elinganiselweyo iyasebenza. Ukuba uselula ku-FRA yakho ebudeni bonyaka wama-2026, uKhuseleko lweNtlalo kufuneka ususe i-R2 kwinzuzo yakho nganye kwingeniso engaphezulu kwama-R36,160, de ufike kwiminyaka yokufumana umhlala-phantsi ngokupheleleyo ngowama-2026, baza kunciphisa u-R366,160 kwingeniso ozifumanayo zonke ii-R3,1,160, ukuya kutsho kwinyanga ofike kwi-we-we-we-R22,000.

I-Inteneransi yokhuseleko lokhuseleko lwe-Social Issurance (SDI) inika iingenelo kubantu abangakwaziyo ukusebenza ngenxa yemeko yezonyango elindeleke ukuba ihlale unyaka omnye okanye iphumele ekufeni. Ukukwazi ukuhlawula iirhafu zokhuseleko loluntu ixesha elithile, kunye neemfuno ezithe ngqo zixhomekeke kwixesha lakho xa ukhubazekile.

Ukufumana uKhuseleko oluPhathikileyo (SSI) kunika iindleko zenyanga kubantu abafumana ingeniso elinganiselweyo, abaneziphene, okanye abaneminyaka engama-65 okanye ngaphezulu. Ngokungafaniyo ne-SSDI, i-SSI ayifuni mbali kodwa inengeniso engqongqo kunye nemida ye-asethi.

[[NKQUBO:0] Iingenelo ezivuselelwayo zinika iindleko zenyanga kubahlolo-mhlolokazi, abahlolokazi, kunye nabaxhomekeke kubasebenzi abafanelekileyo abaswelekileyo. Ezi nzuzo zingabaluleka kwiintsapho ezilahlekelwe ngumondli oyintloko.

Uncedo Lokwexeshana Kwiintsapho Ezisweleyo (TanF)

I-TANF inika iintsapho uncedo lwemali lwexeshana kunye neenkonzo zokuxhasa abantwana. Inkqubo yeTANF inika iintsapho ezifumana imali ephantsi ezineemali ezifumana abantwana abanoncedo lwemali yexeshana neenkonzo zesisa, kwaye ilawulwa kumgangatho karhulumente, ngoko iinkonzo zenkxaso ziyahluka kodwa zingaquka uqeqesho lomsebenzi, uncedo lomsebenzi kunye noncedo lokukhulisa abantwana.

UTTANF ugxininisa kumsebenzi, imbopheleleko, nokukwazi ukuzinceda. Iimeko ezininzi zifuna ukuba abamkeli bathathe inxaxheba kwimisebenzi, esenokuquka umsebenzi, ukukhangela umsebenzi, uqeqesho lomsebenzi, okanye inkonzo yoluntu.

Ngaphandle koncedo lwemali, iinkqubo ze-TANF zisoloko zinikela uncedo oluxhasayo olunjengoncedo lokunyamekela abantwana, uncedo lwezithuthi, kunye neenkonzo zokungenisa umsebenzi.

Ukungabikho kwamandla kunye noncedo lwamandla

Iinkqubo zikarhulumente zinceda ekuhlawuleni ifowuni, i-Internet, kunye neendleko zombane.

[[NTL:0] Udweliso lweNdlela yokufumana Inkxaso yaMakhaya Empawu (LIHEAP) lunceda ukufaneleka kwamakhaya afumana imali ephantsi ahlawulela ukufudumala nokupholisa amatyala, kwaye lunika uncedo ngexesha longxamiseko olunxulumene namandla. I-LIHEAP ingaxhasa ukuhlaziywa kwemozulu kunye nolungiso olunxulumene nolungiso lwekhaya ukunciphisa iindleko zamandla ixesha elide.

Inkqubo yobomi inika ipesenti ye-felm kunye ne-Intanethi yokufanelekela abathengi abafumana imali ephantsi, ukuqinisekisa ukuba bangahlala benxulumene nomsebenzi, imfundo, unyango, neenkonzo zongxamiseko. Olu cwangciso luye lwaguquka luquka inkonzo ye-intanethi ebanzi, ukubaluleka kwayo kubomi banamhlanje.

Inkqubo yoncedo lokuhambisa i-Weather inceda iintsapho ezifumana amandla aphantsi ngokunciphisa amaphepha azo ngokuwenza amakhaya azo asebenze ngamandla angakumbi. Iinkonzo zingaquka ukugquma, ukusungulwa kwemozulu, ukulungisa iziko okanye ukubuyiselwa, kunye nezinye inkqubela-phambili ezinciphisa ukusetyenziswa kwamandla.

Imfundo Noqeqesho Ziyingenelo

Iinkqubo zikarhulumente zixhasa imfundo ukususela ebuntwaneni ngemfundo ephakamileyo nangokwemisebenzi, zinceda abemi balapho babe nobuchule nolwazi ukuze bahambele phambili kwezoqoqosho.

IGrants inika inkxaso efunekayo kwingeniso ephantsi ephantsi kubafundi ukuncedisa ukuhlawula ikholeji. Ukusebenzisa, gqiba Isicelo Samahala Sesicelo Sokufunda Sodidi Lwabafundi (FAFSA), emisela ngokuzenzekelayo ukuba luncedo kuPell Grants kunye naluphi na olunye uncedo lwemali kunyaka ozayo wesikolo. Ngokungafaniyo nemali ebolekisiweyo, uPell Grants akafuni kuhlawulwa, ezenzela oovimba abaxabisekileyo abafundi abasuka kwiintsapho ezifumana imali ephantsi.

[ Omfundi Onengeniso ephantsi unika imali-mboleko encinci yokunceda abafundi kunye nabazali bahlawulele ikholeji. Le mali-mboleko ineemali ezifanelekileyo kunemali-mboleko yabucala, kuquka iiplani zengeniso kunye neenkqubo zokuxolela ezinokwenzeka kwabo basebenza kwinkonzo kawonke-wonke.

Ihead Start neFootting Start yokuqala ikhuthaza ukulungiselelwa kwesikolo kubantwana abafumana imali encinane ngokwenzeka kulwazi olubanzi lwabantwana abancinane, impilo, isondlo, kunye neenkonzo zobuzali. Ezi nkqubo zinceda abantwana ukususela ekuzalweni ukuya kutsho kwiminyaka emihlanu nakumabhinqa akhulelweyo.

IiNkqubo zoPhuhliso loMsebenzi zoMsebenzi abafuni bomsebenzi baphuhlisa ubuchule, bafumane umsebenzi, baqhubele phambili kwimisebenzi yabo. Iinkonzo zingaquka ukucebisa umsebenzi, uqeqesho lomsebenzi, uncedo oluphindayo, kunye nenkxaso yomsebenzi kwiZiko leMisebenzi laseMerika elisehlabathini lonke.

Iingenelo Zokuhamba Neenkozo

ISebe leMicimbi yeMicimbi yezeMicimbi linika iinkqubo ezininzi zokuxhasa abo baye basebenza emkhosini nakwiintsapho zabo. Ezi ingenelo ziyakuqonda ukuncama okwenziwa ngamalungu enkonzo kwaye zinceda ekuqinisekiseni ukuba bakwimeko entle emva kwenkonzo yasemkhosini.

I-VARAS Healthcharer inikezela ngeenkonzo zonyango olubanzi ukulungiselela amavareji afumana amavareji namakliniki kwilizwe lonke. Iinkonzo zisuka kunonophelo lokukhusela ukuya kunyango olukhethekileyo kwiimeko ezidityanisiweyo zenkonzo.

[[FLT: 0] Unikezelo lwemali ekhoyo kumntu onamava olwenziwe iingxaki ezinxulumene nenkonzo yasemkhosini. Umthamo uxhomekeke kubunzulu bokhubazeko nokuba ngaba ikheswa lixhomekeke kusini na.

Iingenelo zonikezelo ngoncedo lweGI Bill namagqala kunye neentsapho zabo zihlawula iimali zekholeji, isikolo esiphumeleleyo, kunye neenkqubo zokuqeqesha. Iinkqubo ezahlukeneyo ze-GI Bill zisebenza kumagqala akwixesha elahlukileyo kunye neembali zenkonzo ezahlukeneyo.

[[NTL: 0] VA Home Loans amagqala oncedo, amalungu enkonzo, kunye namaqabane asebenzayo asele ekho ekufuneka abe ngabanini-khaya ngokwemali elungileyo, isoloko ingafuni ntlawulo phantsi kwaye inika inzala yokhuphiswano.

Iinkqubo ze-PNT zinikezela ngentlawulo yenyanga kumava emfazwe afumana ingeniso elinganiselweyo ngokusisigxina kwaye ekhubazeke ngokupheleleyo, okanye abaneminyaka engama-65 nangaphezulu.

Iingenelo zomsebenzi nocwangciso

Abasebenzi bomanyano nabarhoxileyo banayo ingeniso epheleleyo equka i-inshorensi yempilo, izicwangciso zomhlala-phantsi nezinye iinkqubo ezixabisekileyo. Ukuqonda ezi ingenelo kubalulekile ukuze bafumane intlawulo engakumbi.

Inkqubo yempilo efumana inkxaso-mali

Ngo-2026, Inkqubo yeFEHB iza kuphawula izithuthi ezingama-47 ezinezicwangciso ezili-132 ezinokukhethwa, ngelixesha inkqubo entsha ye-PSHB ifihla abasebenzi beposi kunye nabarhoxiweyo kuphela, iza kunikezela ngeshumi elinesixhenxe lezithuthi kunye neenketho ezingama-75. Olu khetho lubanzi luza kuvumela abasebenzi belizwe ukuba bakhethe izicwangciso zempilo ezinokuhlangabezana ngcono nomntu ngamnye kunye nentsapho yabo.

Njengomqeshwa wezwe lonke, ungabhalisa kwiFEHB i-/a kwaye uquka nawaphi na amalungu entsapho afanelekileyo (ngonyaka wama-60) wokumiselwa kwakho kokuqala, kwaye ukuba awubhalisanga ngelo xesha, ungasayina okanye wenze utshintsho ngexesha lexesha lokuqalisa konyaka ngamnye. Ukubhalisa kuqinisekisiwe ukuba, akukho vavanyo lwezamayeza okanye amaxesha okulinda afunekayo.

Inkqubo yeFEHB inika iindidi ezininzi zentlawulo eziquka ukuziquza, ukuzidibanisa kunye nokuzidibanisa kunye nokhetho lwazo kunye nentsapho. Abaqeshwa babelana ngeendleko zemali ezihlawulwayo norhulumente, ezidla ngokuhlawula malunga nama-72% exabiso elipheleleyo. Lo mqeshi wenza ukuba i-FEHB ihlawulelwe ngokunzulu ngaphezu kweenketho ezininzi ze-inshorensi yabucala.

Inkqubo yempilo yeNkonzo yasemva (PSHB)

Inkqubo yeNkonzo yeMpilo yePpol imela utshintsho oluphawulekayo kubasebenzi beposi nabarhoxileyo. Inkqubo yePSHB icetyelwe ngokukhethekileyo ukwenzela i-Postal Service kwaye iyimfuneko kuMthetho wama-2022 weNkonzo yePostalal, owagunyazisa ukuba i-OPM imisele inkqubo yempilo ekhethekileyo ye-USPS ngoJanuwari 2025.

Umahluko obalulekileyo phakathi kwe-FEHB nePHB ubandakanya ukubhalisa kwe-Medicare. Kuba inkoliso yabahlali bemali ababhaliswe kwi-FEHB, iMedicare ayiyomfuneko, nangona abo babhalisa kwicandelo leMedicare B besoloko bebona iindleko eziphantsi kwephepha le-packethi, kodwa phantsi kwenkqubo entsha ye-PSHB, abahlali beposi kunye namalungu entsapho aneminyaka engama-6 okanye ngaphezulu kufuneka abhalise kwicandelo B ukuze agcine i-MDICHB yabo.

Inkqubo ye-inshorensi yokubona neyoomatiloshe abadaliweyo

INkqubo ye-Inshorensi ye-Inishorensi yeFederal Abaqeshwa ne-Federal Dental Dental and Resoiner inika abathathi-nxaxheba ukhetho olufanelekileyo phakathi kokhetho lwama-21 olunokukhethwa (ulwando lwamehlo ukusuka kuma-2025) kunye nezicwangciso ezili-10 (ngokufana nonyaka ophelileyo). Ngokungafaniyo no-FEHB, urhulumente akancedi kwimirhumo ye-FEDVIP, kodwa inkqubo inika amaqondo okhuphiswano.

Unyango, amazinyo, nokubona kuqengqeleka ngaphandle kokuba wenze utshintsho, kodwa kufuneka uphinde usonge iminikelo yakho yeFSA nyaka ngamnye. Oku kuqhubekeka komsebenzi kwenza kube lula ukugcina impesa, nangona abaqeshwa kufuneka bahlole ukhetho lwabo minyaka le ngexesha lokuvuleka kweXesha lokuQala ukuqinisekisa ukuba banecebo elingcono lokulungisa iimfuno zabo zangoku.

Inkqubo yokuThina iNgxelo yokuNika ngokuThintekileyo (FSAFEDS)

Inkqubo yeFSAFEDS ikuvumela ukuba wonge ii-dola zerhafu zangaphambi kwendlela yokufumana iindleko zempilo nezokuxhomekeka kwinkxaso yerhafu. Le nkqubo inganika irhafu ephawulekayo ngokuvumela abasebenzi bahlawule iindleko zezonyango ezingekhoyo kunye nendleko yokunyamekela ezixhomekeke kwirhafu yangaphambili.

I-FSAFEDS iquka i-Health Care FSA (FCFSA), i-Fraeta Elinganiselweyo Inkcitho Yezempilo FSA (LEX HCFSA) kunye neNkxaso ye-FSA (DCFSA). i-HCFSA igubungela iindleko zezonyango ezifanelekileyo, zemeno kunye nezokubona ezingahlawulwanga okanye ezingahlawulwayo yimpilo yakho, icebo lokunyamekela amazinyo okanye ukubona. I-LEX HCFFFSSA ihambelana ne-akhawunti yempilo egcina amayeza kunye neendleko zemali ezifanelekileyo ze-menyo kunye nezokubona. I-DCFSSA inika imali yenkcitho yemali elungele ukusetyenziswa komntwana kunye nokunyanyelwa kwamehlo ngomhla womntu omdala.

Ngokungafaniyo nababhaliswe kwi-inshorensi yempilo, ukuba ubhalisile kwaye ufuna ukuqhubeka uthabatha inxaxheba ngexesha leengenelo ezingama-2026, kufuneka uphinde uthathe inxaxheba, njengoko i-FSAFEDS ingeqhubeki ngokuzenzekelayo. Le mfuneko yokuphinda ubhalise iqinisekisa ukuba abasebenzi bayaziqwalasela iindleko zabo ezilindelweyo zonyaka ozayo.

ICwangciso sokuGcina (TSP)

ISicwangciso seThrift Savings sisebenza njengemali egciniweyo yomhlala-phantsi karhulumente wesizwe kunye nesicwangciso sotyalo, esifana ne-401(k) kwizicwangciso kwicandelo labucala. Abasebenzi bomanyano banganikela ngerhafu okanye nge-Roth kwi-akhawunti yabo yeTSP, urhulumente enikela iminikelo engqinelanayo kubaqeshwa abasebenzi abagqunywe phantsi kweNkqubo yokuthatha umhlala phantsi kweSebe (Amalungu).

I-TSP inika iimali ezininzi zotyalo-mali, kuquka iimali zebhayisekile zobomi ezilungisa ngokuzenzekelayo uhlahlelo lwempahla njengoko abathathi-nxaxheba besondela kumhlala-phantsi. Iindleko zolawulo eziphantsi zenza i-TSP ibe yenye yezona ndleko zisebenzayo zezithuthi zogcino-mali zomhlala phantsi.

Unyuselo lwakutshanje luquka i Roth kwiplani efakiweyo. Ekuqaleni kule nyanga, ukhetho lwe Roth kwiplani eguquliweyo lukhona kwi Akhawunti Yam, ikuvumela ukuba uguqule imali kwisithethe sakho (ngaphambi kwerhafu) umlinganiselo womlinganiselo kwi-Roth (emva kwerhafu) kwityala lakho le TSP. Oku kuguquka kuvumela abathathi-nxaxheba ukuba balawule imeko yabo yerhafu ngendlela ecwangcisiweyo.

Indlela Yokufumana Nokusebenzisa Iingenelo Zikarhulumente

Ukuqonda iingenelo onokuzifumana xa usenza isicelo kunokubonakala kunzima, kodwa kukho izinto ezininzi ezinokukunceda ufumane inkxaso oyifunayo.

Ukusebenzisa Izixhobo Zokufumana Iingenelo

Unokusebenzisa isixhobo esiyingenelo sokufumana okanye uphande ngamaqela ukuze wazi ukuba ziziphi iingenelo wena nentsapho yakho eninokuzifanelekela, niqonde indlela yokusebenzisa oko nikufanelekeleyo, nize niphendule imibuzo ethile esisiseko ukuze nifumane uluhlu olulungiselelwe ngokwesiko lweengenelo ezinokufunyanwa ngurhulumente ekunokwenzeka ukuba nizifanele ebudeni beziganeko zobomi.

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.

Umazwe amaninzi aphuhlise inzuzo yawo yokufumana izixhobo kunye nee-portal zesicelo ezidityanisiweyo. Ezi zixhobo zidibeneyo zikarhulumente zingakunceda ukuba ufumane kwaye usebenzise iinkqubo zombini zorhulumente norhulumente ngojongano olunye, ziqukuqela inkqubo yesicelo.

Inkqubo Yesicelo Jikelele

Inkqubo yesicelo ibandakanya ukungenisa ifomu yesicelo nokunika uxwebhu ukuxhasa ukufezekisa kwakho, njengokungqina ingeniso, ukuchana, namanye amaxwebhu anxulumene nayo. Ngelixesha iimfuno ezithile zohluka-hlukeneyo kwinkqubo, inkoliso yeenkqubo ifuna ulwazi olusisiseko olufanayo noxwebhu.

Amaxwebhu aqhelekileyo afuna ukusetyenziswa aquka:

  • Ubungqina bokokuba (iphepha-mvume lomququzeleli, i-ID karhulumente, ipasi yokundwendwela, okanye isatifiketi sokuzalwa)
  • Inani loKhuseleko loNtlalo kuwo onke amalungu eentsapho
  • Isiqinisekiso sengeniso (iimali ezincinci, iimbuyiselo zerhafu, iingxelo eziyingenelo)
  • Ubungqina bemali yokuhlala (iindleko zokuhlawula, izivumelwano zokuqesha, iingxelo zendlu)
  • Ingxelo zemali nenkcazelo yempahla
  • Uxhulumaniso
  • Uxwebhu lonyango (lokuthintelwa kweenkqubo ezinxulumene nokukhubazeka)

Iinkqubo ezininzi ngoku zinikela ngezicelo zekhompyutha, nto leyo eyenza kube lula ukuzisebenzisa ekhaya. Kodwa, uncedo oluvelayo lufumaneka ngeeofisi, imibutho yoluntu, nakumaqumrhu oluntu abo bafuna uncedo kwinkqubo yokufaka isicelo.

Imeko kunye noovimba bobulali

Ngeli xesha iinkqubo ezininzi eziyingenelo zixhaswa ngurhulumente, iinkqubo zisoloko zinika ubuchule obuthile ngokweemeko zobunyani kunye nemigangatho eyingenelo. Ungafunda okungakumbi ngendlela onokufanelekela ngayo iinkqubo ezithile uze usebenzise iinkonzo ze-intanethi okanye kwenye yee-ofisi zeeNkonzo zoLuntu ezininzi ezikulo lonke urhulumente, kwaye ukuba ufuna umtoliki okanye uncedo lokuzalisa isicelo, ungafumana uncedo kuzo zonke ii-ofisi zethu.

Imibutho yezentlalo, imibutho yezentlalo neyoluntu isoloko inikela uncedo lwezicelo yaye inokukunceda uqonde ukuba ziziphi iinkqubo ezinokuyinceda intsapho yakho.

Amathala eencwadi, amaziko aphezulu, kunye namaziko asekuhlaleni asoloko efumana iingenelo kwiziganeko zokubhalisa apho abameli beenkqubo ezahlukeneyo befumaneka khona ukuphendula imibuzo noncedo ngezicelo. Ezi ziganeko zinokuba luncedo ngokukhethekileyo ekufundeni ngeenkqubo ezininzi ngaxeshanye.

Ukuphepha Ukukhohliswa

Ngelishwa, abaqhathayo badla ngokuhlasela abantu abafuna uncedo lukarhulumente. Abameli bezomthetho abasayi kukucela ukuba uhlawule imali yokucela uncedo, ukufuna intlawulo ekhawulezileyo, okanye ukucela intlawulo edlula kumakhadi okupha, ukuthunyelwa kocingo, okanye ukufihla. Abayi kubiza, i-imeyili, okanye umbhalo ocela inombolo yakho yoKhuselo lwezeNtlalo okanye ulwazi lwebhanki ngaphandle kokuqalisa kwakho ukunxibelelana.

Soloko uqinisekisa ukuba ukwi-website karhulumente esemthethweni ngokufuna ummandla we-.gov. Lumka kwii-website ezibiza iindleko zolwazi olufumaneka ngokukhululekileyo kwimithombo karhulumente. Ukuba umntu oqhagamshelana naye uzibanga usuka kumzi-majoni karhulumente, xhoma kwaye ubiza umzi-ziququzeli usebenzisa inombolo yemfonomfono oyifumanayo ngokuzimeleyo, hayi enye enikezelwe ngumfono-mfono.

Ingxelo erhanelwayo iyingenelo yokukhohliswa kweKhomishoni yeFederal Trade ePuntainFraud.ftf.gov nakuMandla afanelekileyo eSebe likarhulumente elijongene neNkxaso-mthetho.

Ziphucule Iingenelo Zakho

Ukuqonda indlela yokwandisa iingenelo onelungelo lokuphucula ngokuphawulekayo imeko yakho yemali nomgangatho wobomi. Nazi iindlela zokuqinisekisa ukuba ufumana ezona zilungileyo kwiinkqubo ezikhoyo.

Sebenzisa kuzo Zonke Iinkqubo Ezinokufumaneka

Abantu abaninzi bafanelekela iinkqubo ezininzi eziluncedo kodwa bafaka kuphela isicelo sesixhobo esinye okanye ezimbini. Ukusebenzisa inzuzo ebanzi yokuxilonga kungatyhila iinkqubo ongaziqwalaselanga. Umzekelo, iintsapho ezifumana iinzuzo ze-SNAP zisenokufanelekela uncedo oluluncedo, ukutya kwesikolo kwasimahla, inkonzo ye-intanethi encitshisiweyo, kunye neenkqubo zonyango.

Ezinye iinkqubo zinezicelo ezizenzekelayo zokubhalisa okanye ezilula zabantu abasele befumana iinzuzo ezithile. Buza ngala mathuba xa ufaka isicelo socwangciso, kuba zinokunciphisa amaphepha omsebenzi kwaye zikhawulezisa inkqubo yokubhalisa.

Ziqonde Iimfuno Zokuqinisekisa

Iinkqubo eziyingenelo zifuna ukuphinda ziqinisekiso zexesha ukuqinisekisa ukuba iyaqhubekeka. Ukungafumaneki ixesha lokunika ubungqina besiqinisekiso kungaphumela kwinzuzo, nokuba usakufanelekele. Phawula imihla yokunika ubungqina kwikhalenda yakho kwaye qokelela uxwebhu olufunekayo kumaxesha agqityiweyo.

Amanye amaphondo aye asebenzisa iinkqubo zokuphinda aqinisekise ukuba isiqinisekiso siyasebenza okanye amaxesha angaphezulu esiqinisekiso kwiinkqubo ezithile. Buza umenzi-mali wakho malunga nokhetho olukhoyo olunokunciphisa ukuphinda kuphinde kubhalwe okanye kuyenze ibe lula le nkqubo.

Iinguqulelo Zokuxela Ngokukhawuleza

Iinkqubo ezininzi zifuna ukuba uxele utshintsho kwiimeko ezinokuchaphazela umgangatho wakho ofanelekileyo okanye ongenelwayo. Oku kuquka utshintsho kwingeniso, kwingxelo yendlu, idilesi, okanye imeko yomsebenzi.

Ngoxa kusenokubonakala kuphikisana nokuxela iinguqu ezintle ezifana nengeniso eyongezelelekileyo, ukungaphumeleli ukwenza oko kungaphumela ekumangalelweni korhwebo kunye nokungahliswa kweenkqubo. Iinkqubo ezininzi aziwuhoyi umvuzo kunye nokuphuma ngokuthe ngcembe okukuvumela ukuba ugcine iingenelo ezithile njengoko ingeniso yakho isanda, ukuxhasa ukutshintsha kwakho ukuze usebenze kakuhle.

Zixhase kwiinkonzo ezixhasayo

Iinkqubo ezininzi eziluncedo azincedi nje ngemali. Iinkqubo ze-TANF zidla ngokunikela uqeqesho lomsebenzi, uncedo lwemfundo, kunye neenkonzo ezixhasayo ezifana nokunyamekela abantwana kunye nezithuthi. Iinkqubo ze-SNAP zinganika iiklasi zemfundo yezondlobongela. Ukusebenzisa ezi nkonzo zongezelelweyo kunokukunceda wakhe ubuchule kunye nobuncwane bokuzinziswa kwemali kangangexesha elide.

Iinkqubo zophuhliso lomsebenzi ezinxulumene neenkqubo eziyingenelo zinganika uqeqesho olubalulekileyo lomsebenzi, uncedo oluphinda luqaliswe, ukulungiselela udliwano-ndlebe, kunye neenkonzo zokunika umsebenzi. Ezi nkonzo zenzelwe ukunceda abamkeli bafumane umsebenzi baze bafumane inkululeko yezoqoqosho.

ICeba Ukungenelwa

Ukufumana amawa aninzi kubangelwa kukulahlekelwa yimali eninzi, nto leyo enokubangela ukuba iintsapho zilahlekelwe yimali eninzi kunangaphambi kokuba zifumane ingeniso.

Amanye amazwe aphumele iindlela zokulungisa amatye, ezifana neengenelo zotshintsho ezithe zanda okanye isigaba esithe chu. Buza umncedi wakho malunga nenkxaso ekhoyo xa ucinga ngotshintsho lwemisebenzi olunokuchaphazela iingenelo zakho.

Iinkonzo zokunikela uncedo ngemali, ngokufuthi ezifumaneka ngemibutho yasekuhlaleni, zinokukunceda uvelise iimeko ezahlukeneyo uze uqonde imiphumo yokwenene yemali efunyenweyo xa uqwalasela zonke iingenelo neendleko.

Ukunyamekela Ngokukhethekileyo Iimeko Ezahlukileyo Zobomi

Iingenelo Kubantu Abakhulileyo

Xa abantu baseMerika besaluphala, iingenelo zabo zidla ngokutshintsha. Ngapha koko, abantu abasele bekhulile banokufumana iinkonzo ezingakumbi ezilungiselelwe ukuncedisa kwiingxaki ezikhethekileyo zokwaluphala.

IiNkqubo zokuGcina iMedicares Zinceda ekuhlawuleni inkcitho, iimali ezingasebenziyo, kunye nokuhlawulwa kwabantu abafumana ingeniso elinganiselweyo kunye nezibonelelo. Ezi nkqubo zinganciphisa ngokuphawulekayo iindleko zokhuseleko lwempilo ezifanelekileyo kubantu abadala.

Inkqubo yoncedo oluTyelelaneyo inceda kwiindleko zeMedicare amayeza kagqirha, ukunceda abantu abadala ukuba bafumane amayeza afunekayo. Ukungabi namali kusekelwe kwingeniso nakwizinto, ngenkxaso epheleleyo okanye encinane ekhoyo exhomekeke kwiimeko zemali.

Inkqubo yabathengisi abakhulu yeMarist Nutrition Program inika abantu abasele bengenayo imali encinane yokuthenga iziqhamo, imifuno, nemifuno kwiimarike zabalimi, iindawo zokuma ezisecaleni kwendlela, kunye neenkqubo zezolimo ezixhaswe ngabemi.

Iinkqubo zoncedo lwerhafu yepropati, ezifumaneka kumazwe amaninzi, zinceda abanini-ndlu abadala balawule imithwalo yerhafu yempahla kwingeniso emiselweyo.

Iingenelo Kubantu Abaneziphene

Enoba usandul' ukukhubazeka okanye unocelomngeni oluhlala luhleli, uncedo lungafumaneka, kuquka uncedo lwemali. Iinkqubo zabantu abaneziphene ziyawaqonda amaxabiso angakumbi kunye nocelomngeni olunxulumene nokukhubazeka kwaye zinika inkxaso ekukhuthazeni ukuzimela nomgangatho wobomi.

I-Inishorensi yoKhuseleko loLuntu (SDI) kunye ne-Somaral Security Infige (SSI) zinika iinzuzo zemali nyanga zonke ukulungiselela abantu abaneziphene. I-SSDI ifuna imbali yomsebenzi, ngelixesha i-SSI ifuna inkxaso-siseko kwaye ayifuni kumsebenzi wangaphambili.

IMedicaid inikela ingxubusho yezempilo ebanzi kubantu abaninzi abaneziphene, ngokufuthi iquka iinkonzo ezingaqukwanga kwezinye izicwangciso ze-inshorensi, ezifana neenkonzo zonyango lobuqu, izixhobo ezihlala ixesha elide zezonyango, kunye nokunyanyekelwa ixesha elide.

Ukujoliswe kumsebenzi kunceda abo bafumana inkxaso kwimisebenzi yengqesho ehlawulelwayo, enceda abantu bafumane umsebenzi baze bawulondoloze ngoxa bekhusela iingenelo zabo ebudeni bolo tshintsho.

INGXELO eziluncedo zivumela abantu abakhubazekileyo ukuba bagcine imali ngaphandle kokwenza ingeniso ingabi yeyona nto ifanelekileyo ukwenzela iingenelo zovavanyo olufana ne-SSI kunye noMedicaid. Le mali yogcino-mali exhaswe ngerhafu ingasetyenziswa kwiindleko ezinxulumene nokukhubazeka.

Iingenelo Zeentsapho Ezinabantwana

Iintsapho ezinabantwana ziyakwazi ukufumana iinkqubo ezininzi ezilungiselelwe ukuxhasa ukukhula kwabantwana, impilo nentlalo - ntle ngoxa zinceda abazali balungelelane nomsebenzi neembopheleleko zentsapho.

Uncedo lokunyamekela abantwana lunceda iintsapho ezisebenza phantsi kwengeniso ezihlawulayo ukunyamekela abantwana, lunceda abazali ukuba bagcine umsebenzi okanye baqhubeke nemfundo noqeqesho. Ukubonakalisa ubuchule nokungenelwa kweemali kuyahluka ngokwemeko-bume, kunye neyona nto iphambili kumakhaya afumana i-TTANF okanye ahlutha intlalo-ntle.

Ityala Lerhafu Yabantwana Netyala Lerhafu Elihlawulwayo linika iingenelo eziphawulekayo kwiintsapho ezinabantwana.

IZidlo zeSikolo ezikhululekileyo nezincitshisiweyo ziqinisekisa abantwana abafumana ingeniso ephantsi ukuba bafumana ukutya okunesondlo ebudeni bemini yesikolo. Ukuphumelela ekutyeni kwesikolo esikhululekileyo kusoloko kusebenza njengendlela yokufumana ezinye iingenelo kunye nokuncitshiswa kwemirhumo yemisebenzi yesikolo neenkonzo.

Inkqubo yabantwana yeInshorensi yezempilo (CHIP) inika abantwana inkxaso epheleleyo yempilo kwiintsapho ezifumana imali eninzi kakhulu ukuba zifanelekele iMedicaid kodwa ezingakwaziyo ukuyithenga i-inshorensi yobuqu. I-CIP igubungela uhlolo oluqhelekileyo, ukugonywa, ukutyelelwa ngugqirha, unyango, unyango lwamazinyo nolungokwamehlo, kunye neenkonzo zongxamiseko.

Iingenelo Zabafundi

Abafundi abakwimfundo ephakamileyo banokufumana iinkqubo ezahlukahlukeneyo zikarhulumente nezorhulumente ukuze bancede ekuhlawuleni iikholeji baze banciphise umthwalo wamatyala abafundi.

I-Federal Students Aid, efumaneka kwiFAFSA, iquka izibonelelo, iinkqubo zoqeqesho lomsebenzi, kunye neemboleko. Ukulandela iFAFSA kubalulekile ekufumaneni uninzi lweentlobo zoncedo lwemali, kuquka iinkqubo ezininzi zoncedo lwephondo kunye neenkqubo zolawulo.

Uqeqesho lokusebenza olunobuntlola lunika abafundi abangaphantsi kwegunya labo nenani labo abaphumeleleyo abafuna imali, olubavumela ukuba bafumane imali yokuncedisa ekuhlawuleni iindleko zemfundo ngoxa befumana amava omsebenzi abalulekileyo.

Iinkqubo zoMfundisi Loan Forrence zixolela malunga nee - R2 500 kwimali - ngqangi zabafundi karhulumente kubafundisi - ntsapho abasebenza kwizikolo ezifumana imali ephantsi okanye kumasebe emfundo kangangeminyaka emihlanu elandelelanayo.

INkonzo kaRhulumente Loan Forrence ixolela iimali eziseleyo zabafundi abaseleyo emva kokuba i-2020% ifanelekele ukuhlawula iindleko zenyanga ngexesha elipheleleyo kubaqeshi abafanelekeleyo, kuquka imibutho karhulumente nemibutho engafumani ngeniso.

Iingenelo Zabasebenzi Abangasebenzi

I-inshorensi yokungaqeshwa inika inkxaso yengeniso yexeshana kubasebenzi abaphulukana nemisebenzi yabo ngaphandle kwempazamo yabo. Iingenelo zinikezelwa ngamaphondo, ngokweemfuno ezifanelekileyo kwaye ingenelwa ngokwahlukahlukana kwendawo.

Ukuze ufanelekele iingenelo zokungaqeshwa, kufuneka usebenze ixesha elithile, ufumane umvuzo omncinci, ukwazi ukusebenza kwaye ufune umsebenzi ngokukhutheleyo. Amazwe amaninzi afuna isiqinisekiso seveki nganye ukuze aqhubeke efumana iingenelo.

Iziko lemisebenzi laseMerika, elisezweni lonke, linikela iinkonzo zesisa zemisebenzi kuquka uncedo lokufuna umsebenzi, uncedo oluphinda luqaliswe, uhlalutyo lobuchule, ukucebisa ngomsebenzi, kunye nolwazi malunga namathuba okuqeqesha. Ezi nkonzo zikhona kubo bonke abafuni bemisebenzi, kungakhathaliseki ukuba bayangenelwa kusini na ekusweleni umsebenzi.

Ulungiso Lorhwebo Lunceda abasebenzi abaye baphulukana nemisebenzi yabo ngenxa yorhwebo lwasemzini ngokunikela uqeqesho lomsebenzi, inkxaso yengeniso, ukukhangela umsebenzi nemali yokufumana umsebenzi, netyala lerhafu lokuncedisa ekuhlawuleni iinshorensi yempilo.

Iingenelo ezikhethekileyo zeRhulumente kunye noguquguquko

Ngelixesha iinkqubo ezininzi eziluncedo zixhaswa ngurhulumente, ngokuqhelekileyo iimeko ziba nojiko olubalulekileyo kwindlela ezilawula ngayo ezi nkqubo kwaye zinganika iinzuzo ezongezelelekileyo zikarhulumente. Ukuqonda iinkqubo neemfuno ezithile zikarhulumente wakho kubalulekile ekunyuseni inkxaso ekhoyo.

Iinkqubo zelizwe iMedicaid zahluka kakhulu ngokweendlela ezifanelekileyo, iinkonzo ezigqunyiweyo, kunye neenkqubo zokubonelela. Amanye amazwe andise iMedicaid phantsi koMthetho wesikhathalelo we-Affordible, ngelinye ixesha amanye awananto, echaphazela ngokuphawulekayo ingeniso yabantu abadala abafumana imali ephantsi ngaphandle kwabantwana.

Iinkqubo ze-TANF zahluka kakhulu ngokweemfuno zomsebenzi, imida yexesha, kunye neenkonzo ezixhaswayo ezinikezelwayo. Amanye amazwe anikela iingenelo neenkonzo ezingakumbi, ngoxa amanye aneemfuno ezingqongqo kunye nemigangatho ephantsi yengenelo.

Iinkqubo ezilungiselelwe ngurhulumente zingaquka uncedo olongezelelekileyo olungekhoyo ngeenkqubo zikarhulumente, njengoncedo lwezindlu olumfutshane, uncedo lwezixhobo ezingaphaya kweLIHEP, iityala zerhafu zemali ezifumanelwe ingeniso, kunye neenkqubo zoncedo longxamiseko.

Amazwe amaninzi aye enza iipali zesicelo ezidityanisiweyo apho abahlali benokufaka isicelo sokufumana iingenelo ezininzi ngesicelo esinye.

Iinguqulelo Zakutshanje Nekamva

Iinkqubo zikarhulumente eziyingenelo ziguquka ngokuhamba kwexesha zisabela kwiimeko zezoqoqosho, iinguqu zenkqubo, kunye neemfuno zokuvela. Ukuhlala wazi ngeenguqu kukunceda ugcine ukulungelelaniswa nokufikelela kwiingenelo.

Imigaqo ye-2026 eFederal Ubuhlwempu ibonakalisa uhlengahlengiso oluqhubekayo lokunyuka kwexabiso lozaliso. Imigaqo yonyaka wama-2026 yobuhlwempu yanyuka ngokuthelekisa no-2025, ibonakalisa ukunyuka kwexabiso lemali elinganiswe yi-CPI-U. Kumntu ngamnye, iFPL yanyuka ngo-R310 (usuka ku-R45,650 ukuya ku-R4,960), lumalunga nolwandiso lwe-R3,5%. Olu hlenganiso luchaphazela imiqobo emininzi.

Ubugcisa buyaqhubeka butshintsha indlela abantu abangene ngayo, xa kukho iinkqubo ezininzi ezinika abantu ii-apps, iikhompyutha ezihambayo zokujonga iingenelo, kunye nokuzilungisa ngokwazo. Ezi nkqubela zobugcisa zinokwenza abantu abangakwazi ukufikelela kwii-intanethi okanye ukufunda amanani alinganiselweyo bafumane iingenelo ezingakumbi kodwa zinokubangela iingxaki.

Iingxoxo zenkqubo ezikungenelo lweenkqubo ziyaqhubeka kumgangatho karhulumente nozwelonke, kunye notshintsho olunokwenzeka kwimiqathango yokungafezeki, iimali eziyingenelo, iimfuno zokusebenza, kunye neenkqubo. Ukuhlala waziswe ngemithombo yeendaba ethembekileyo kunye nothungelwano olusemthethweni lukarhulumente kukunceda ulindele kwaye ulungiselele iinguqu ezinokuchaphazela iingenelo zakho.

Ukufumana Uncedo noovimba abongezelelekileyo

Ukugada iinzuzo zikarhulumente akuyomfuneko ukuba kube yinto efunwa ngumntu kuphela. Kukho oovimba nemibutho emininzi enceda ukuqonda nokufikelela kwiinkqubo ezikhoyo.

[[UMTL:0] Izibonelelo zoRhulumente:

  • Benefit.gov - Ikhampasi enika uncedo lolwazi kunye nesixhobo sokukhusisa
  • USA.gov - Isikhokelo esingokwasemthethweni kulwazi noncedo lukarhulumente
  • Ingxelo yoKhuseleko loLuntu malunga neenzuzo zoKhuseleko loLuntu kunye
  • Unyango.
  • Uncedo lwe-portes zikarhulumente - ulwazi olucacileyo lwenkqubo kunye neenkqubo zelizwe

[[UMTL:0] Oovimba abaNciphisileyo:

  • ISebe leMicimbi yeNtlalo-ntle yeNtlalo-ntle
  • Izenzo zezenkcubeko ezigunyazisa ukuxhasa nokunceda ukubhalisa
  • Imibutho yoncedo olusemthethweni eluncedo ngokukhululekileyo ngokubonelela ngengenelo yokukhanyelwa nokubhencwa
  • Inkxaso ekhethekileyo yemibutho ethile okanye yeemfuno
  • Ukungena kwi - Internet engenazincwadi, iikhompyutha yaye maxa wambi kuyanceda ekufumaneni uncedo
  • Ingxelo yolwazi noncedo olukhethekileyo kubantu abadala
  • Ukungafezeki kwemibutho yabantu abakhubazekileyo ekulandeleni indlela kuyingenelo kwiinkqubo

Uncedo lomsebenzi:

Abacebisi abaneengenelo, abasebenzi bezentlalo nabaphathi bamatyala banokunikela ukhokelo olusekelwe kwiimeko zakho ezithile.

Kwiimeko ezinzima ezibandakanya iinkqubo ezininzi okanye izibongozo zokukhanyela, ukudibana negqwetha elinolwazi ngeengenelo zikawonke-wonke kusenokuba yingenelo. Imibutho emininzi yoncedo olusemthethweni inikela iinkonzo zesisa kubantu abafumana imali ephantsi.

Abacebisi bezemali bangakunceda uqonde indlela eziluncedo ngayo iingenelo ezinxulumene nemeko yakho yemali kunye nokuceba ukulungiselela ukuzinza kwemali ixesha elide.

Ukuqonda Amalungelo Neembopheleleko Zakho

Njengomntu ofumana iingenelo, unamalungelo neembopheleleko ezibalulekileyo ukuze uziqonde.

Amalungelo Akho

Unelungelo lokufaka isicelo nakweyiphina inkqubo eyingenelo okholelwa ukuba ufanelekile. Imisebenzi ayinakukhetha ngokohlanga, ibala, imvelaphi yesizwe, isini, ubudala, ubulwelwe, unqulo okanye iinkolelo zezobupolitika.

Unelungelo lokufumana isaziso esibhaliweyo ngeingenelo ozifumeneyo, kuquka ukukhanyela nokuphelisa imibandela, ngezizathu zesigqibo.

Unelungelo lokubhena liyingenelo ekukhanyeni okanye ekupheliseni. Inkqubo yezibheno iyahluka ngokwenkqubo kodwa iquka imigangatho emininzi yohlolo, isenokuba iquka ukuchotshelwa kwetyala kunye nezibheno zenkundla.

Unelungelo lokuzifihla nokufihla inkcazelo yakho. Izinto ezingxamisekileyo zimele zikhusele inkcazelo yakho yaye zinokuyithetha kwiimeko ezithile ezivunyelwa ngumthetho.

Unelungelo lokufumana uncedo ngolwimi oluthandayo. Iinkqubo ezininzi zinikela iinkonzo zokutolika kunye nezinto eziguqulelweyo zezithethi ezingezo isiNgesi.

Unelungelo lokufumana indawo yokuhlala elungeleleneyo ukuba unesiphene esichaphazela amandla akho okufuna okanye ukulondoloza iingenelo.

Iimbopheleleko Zakho

Kufuneka unike inkcazelo echanileyo nepheleleyo yeezicelo eziyingenelo neziqinisekiso ezizizo. Ngokungazenzisiyo ukunika inkcazelo ebubuxoki kungaphumela ekubeni uthweswe ityala lolwaphulo-mthetho, kungenelwe ukungalungisi, kunye neemfuno zokuhlawula.

Kufuneka uxele utshintsho kwiimeko ezinokuchaphazela ukulungelelaniswa okanye inzuzo yobungakanani obufunekayo kumaxesha onyaka. Oku kuquka utshintsho kwingeniso, ukwenziwa kwendlu, idilesi, kunye nezinye izinto eziyimfuneko.

Umele uthobele iimfuno zocwangciso, eziquka iimfuno zomsebenzi, imisebenzi yokuphanda umsebenzi, ukuba nenxaxheba kwiinkqubo zengqesho, ukuya esikolweni, iimfuno zogonyo, okanye ezinye iimeko zokuba luncedo.

Kufuneka usebenzise iingenelo kuphela kwinjongo yazo. Umzekelo, iingenelo zeSNAP zingasetyenziselwa ukuthenga ukutya okufanelekileyo, kwaye uncedo lwezindlu kufuneka lusetyenziswe kwiindleko zokuhlala.

Kufuneka usebenzisane nohlolo lolawulo lomgangatho, uphando lobuqhetseba, neminye imisebenzi yobuveleli. Oku kungaquka ukunikezela ngamaxwebhu, ukuba nenxaxheba kudliwano-ndlebe, nokuvumela ukutyelelwa ekhaya xa kuyimfuneko ngemithetho yocwangciso.

Kufuneka uphinde uqinisekise ukuba uyaphumelela ngaphakathi kwezakhelo zexesha ezifunekayo ukuqhubeka ufumana uncedo. Ukungaqiniseki kwexesha lokuqinisekisa okugqityiweyo kungaphumela ekuphelisweni okuyingenelo.

Isiphelo: Ukuthabatha Inyathelo Ukuze Uzuze Iingenelo Zakho

Iinzuzo neenkonzo zikarhulumente zimela inkqubo ebalulekileyo yokhuseleko nenkxaso kwizigidi zamaMelika. Enoba ujongene nobunzima bokwexeshana, ulawula imeko engapheliyo, uceba umhlala-phantsi, okanye usebenzela nje ukuhlangabezana neemfuno, iinkqubo zikho ukukunceda uhlangabezane neemfuno ezisisiseko kwaye uphucule umgangatho wobomi bakho.

Isitshixo sokufumana ezi nzuzo kukuqonda oko kukhoyo, ukufumanisa ukuba ukulungele, kwaye wenze isenzo sokusebenza. Musa ukuvumela ukuntsonkotha okanye ukungaqiniseki kukuthintele ekufuneni uncedo onelungelo lokufumana. Sebenzisa izixhobo zokufumana uncedo, fikelela kwimibutho yoncedo yasekuhlaleni, kwaye ungathandabuzi ukubuza imibuzo xa ufuna ukucaciswa.

Khumbula ukuba ukucela iingenelo akungomqondiso wobuthathaka okanye wokusilela, kodwa ezi nkqubo zikho ukuxhasa ngokukhethekileyo abemi ngamaxesha ocelomngeni kunye nokuguquka kobomi. Abantu abaninzi abakwaziyo ukuzinceda baye bathembela kuncedo lukarhulumente ngamaxesha athile obomi babo ukuze baphumelele kumaxesha anzima okanye bafikelele usukelo olubalulekileyo njengemfundo okanye umninimzi.

Qalisa ngokuhlola imeko yakho kunye neenkqubo zokwazi ezinokuba luncedo. Sebenzisa ikhompyutha yokuhlola izixhobo ukufumana umzobo obanzi weenzuzo ezinokwenzeka. Lunga uxwebhu oluyimfuneko kwaye uqale inkqubo yesicelo kwiinkqubo ozifaneleyo. Funa uncedo kwimibutho yasekuhlaleni ukuba ufuna uncedo lokuhamba kwinkqubo.

Hlala wazi ngengenelo yakho, uhlangabezane neemfuno zokuphinda ubhalise isiqinisekiso, unike ingxelo ngeenguqu ngokukhawuleza, uze usebenzise iinkonzo ezikuxhasayo ezinokukunceda ukuba wakhele ukuzinza okungakumbi kwemali nenkululeko. Ngolwazi, ukunyanzelisa nenkxaso efanelekileyo, uyakwazi ukufikelela ngokunempumelelo kwiingenelo neenkonzo zikarhulumente ezilungiselelwe ukukunceda wena nentsapho yakho niphumelele.