Table of Contents
Ukuqonda iinkqubo zentlalo kubalulekile kubemi ukuba balawule indlela entsonkothileyo yeengenelo neenkonzo ezikhoyo kubo kuwo onke amaqondo obomi. Ezi nkqubo zivelisa ukhuseleko olubalulekileyo izigidi zabantu baseMerika ezixhomekeke kulo ukhuseleko lwemali, ukukhuselwa kwempilo, kunye nezinto ezisisiseko eziyimfuneko. Ukhuseleko loluntu lusisixhobo sokhuseleko lokhuseleko lwentlalo-ntle, ukuxhasa ngemali engundoqo kubantu abathatha umhlala phantsi, abantu abakhubazekileyo, kunye nabasindileyo bezomsebenzi.
Njengoko sihamba kunyaka wama-2026, iinguqu ezibalulekileyo kwezi nkqubo zichaphazela indlela abemi abangene ngayo kwiingenelo, oko bakufumanayo, nendlela abahlawula ngayo. Ukuhlala benolwazi ngeemfuno zokufumana ingeniso, iinkqubo, iimali eziyingenelo, kunye nokuhlaziywa kwenkqubo yakutshanje akukhange kube kokubaluleke ngakumbi. Olu khokelo lubanzi luza kukunceda uqonde iinkqubo ezingundoqo zentlalo ezikhoyo, indlela abasebenza ngayo, noko kufuneka ukwazi ukukwandisa iingenelo zakho.
Ukuqonda Ukhuseleko Loluntu: Isiseko sokhuseleko lwaseMelika
Ukhuseleko loluntu lumela enye yeenkqubo ze-inshorensi zentlalo ezibaluleke kakhulu kwimbali yaseMerika, ezichaphazela ubomi babantu abangaphezu kwezigidi ezingama-70 abangenelweyo. Le nkqubo inika iingenelo kubemi baseMerika abamalunga nama-75 ezigidi, kunye nexabiso lemali eseleyo elingu-2,8 ekhulwini lokulungisa intlawulo esebenzayo ngoJanuwari 2026. Le nkqubo karhulumente, ixhaswa ngemali ngeerhafu eziqokelelwa kubasebenzi nangabaqeshi, inika iintlobo ezintathu zeengenelo eziphambili: ingeniso yomhlala phantsi, i-inshorensi yesiphene, kunye neenzuzo ezifunyanwa ngamalungu entsapho abasebenzi afileyo.
Indlela Imisebenzi Yokhuseleko Loluntu
Inkqubo yoKhuseleko loLuntu isebenza kwisiseko somvuzo ohlawulwayo, apho abasebenzi bangoku bafumana iinzuzo zemali kubaxhamli bangoku. Umlinganiselo werhafu weNtlalo kunye neMedicare u 7.65 ekhulwini, kunye neSahluko loKhuseleko loluntu (OASDI) lingu 6.2 ekhulwini kwingeniso kumlinganiselo ofanelekileyo wentlawulo, kunye necandelo leMedicare eli-1.45 ekhulwini kwingeniso yonke. Ngo-2026, ubuninzi bengeniso oluphantsi kwerhafuzo zoKhuselelo loKhuselo
Ukuqonda indlela ofumana ngayo ityala lokufumana intlawulo kwi-social Security elungele ukukugqiba umhlala-phantsi. Kufuneka ufumane ubuncinane amatyala angama-40 ukuze ufumane iingenelo zoKhuselo loluntu, kwaye ufumana ityala xa usebenza kwaye uhlawula iirhafu zoKhuselo loluntu. Imali efunekayo ukuze ufumane uhlengahlengiso lwetyala minyaka lemali yonke ngenxa yokunyuka kwamaxabiso. Ngo-2026, kuza kuthabatha ii-R3,890 ngemivuzo yemali ukuze ufumane ityala elinye, kunye ne-$7,560 (R37,560) ukuze ufumane zonke iityala ezikhoyo ngonyaka omnye.
Iingenelo Zokuthatha Umhlala phantsi Ngowama - 2026
Iingenelo zomhlala-phantsi zimela eyona nkalo iyaziwa ngokubanzi yoKhuseleko loNtlalo-ntle. Umthamo owufumanayo uxhomekeke kwizinto eziliqela, kuquka ingeniso yakho yobomi, inani leminyaka osebenze ngayo, kunye neminyaka oyikhethayo ukuzibiza ngayo iinzuzo. ISebe loKhuseleko loLuntu lithatha iminyaka engama-35 ephezulu emva kokuzama ukutshintsha ukunyuka kwemali nokuzichanaba kwinkxaso-ntlalo ye-curity iziphumo zokufumana ixabiso lokuqala le-inshorensi.
I-Social Security Administration iqikelela ukuba inzuzo ephakathi yomhlala-phantsi iya kunyuka malunga ne-R36,56 ngenyanga, ukusuka kwii-R2,015 ukuya kwii-R2,071, ziqala ngentlawulo ephumayo ngoJanuwari 2026. Noko ke, iingenelo eziphezulu zinokuba ngaphezulu kakhulu kwabo bafumana ingeniso ehlawulwayo kulo lonke ixesha labo basebenza ngalo. Inzuzo eninzi enokufumaneka kuma-2026 ingaphezulu kwee-R345 (R46 000) ngenyanga kwabo balibazisela de babe neminyaka engama-70 ubudala.
Ixesha Lokuthetha Ngeli: Ukuqonda Iminyaka Yomhlala - phantsi
Esinye sezigqibo ezibalulekileyo oza kuzenza ngokuphathelele uKhuseleko lweNtlalo kukuqalisa xa ubiza iinzuzo. Ngoxa unokuzibiza uselula ngeminyaka engama-62, ukwenza oko kuza nonciphiso olusisigxina kumali oyifumanayo nyanga nganye. Abo banyusa i-62 ku-2026 baza kufumana i-30% nge-checks ngenye into enokuba bebenokuyifumana ngokulinda de bade bagqibe iminyaka yokuthatha umhlala phantsi.
Iminyaka yokuthatha umhlala phantsi (FRA) yohluka-hlukene ngokubhekiselele kunyaka wakho wokuzalwa. Ngokuqhelekileyo, i-SSDI igubungela abasebenzi abaphakathi kweminyaka eli-18 neyangokupheleleyo yokuthatha umhlala-phantsi (iminyaka engama-67 kumntu ozelwe ngo-1960 okanye kamva), kwaye xa ufikelela kwiminyaka yokuthatha umhlala-phantsi ngokupheleleyo, i-SSDI yakho ifumana umhlala-phantsi ngokuzenzekela inzuzo kunye nemali yomhlala-phantsi elinganayo. Ukulinda ngaphaya konyaka wakho we-FRA de ube neminyaka engama-70 kungandisa iingenelo zakho, ukwenza isigqibo esithi singulungu elibalulekileyo lokuceba umhlala phantsi komhlala-mhlala-phantsi.
Ukusebenza Ngoxa Ufumana Unqabiseko Entlalweni
AmaMerika amaninzi ayaqhubeka esebenza emva kokuba athi afumana inkxaso yoKhuseleko loNtlalo-ntle, mhlawumbi ngokuzikhethela okanye ngemfuneko. Noko ke, ukuba uthe ude ufikelele kwiminyaka yokudla umhlala-phantsi ngokupheleleyo, iingenelo zakho zingancitshiswa ukuba ufumana imali engaphezu kwemiqobo ethile. Umlinganiselo wama-2026 wengeniso kubantu abangaphantsi komhlala-phantsi komhlala-phantsi unyaka wonke ufumana ii-R3,44,480, kunye ne-R3, 000 kwinzuzo nganye efunyenweyo ngexabiso elingu-R4,000.
Kubo bafikelela kwiminyaka yokuthatha umhlala-phantsi ngokupheleleyo ngowama-2026, imithetho inika intlawulo engakumbi. Imali ehlawulwayo engama-2026 kubantu abafikelela kwiminyaka yokudla umhlala-phantsi ingama-R65,160, kunye nenye indlela engcono yokunciphisa. Ukuba uneminyaka emininzi okanye ngaphezulu, unokuzigcina zonke iinzuzo zakho enoba ufumana mali engakanani.
Amaxabiso- Okutshintsha Okuphilayo
Iinzuzo zoKhuseleko loNyaka ziyahlenga-hlengiselwa ukuhambisana nokunyuka kwamaxabiso, kunceda abo bangenelweyo balondoloze amandla abo okuthenga. Ngokusekelwe kukwanda kweCPI-W kwikota yesithathu yonyaka wama-2024 ukuya kwikota yesithathu yonyaka wama-2025, abaxhamli boKhuseleko loLuntu kunye nabaxhasi boKhuseleko loMngcipheko-mali abafumana i-2,8 ekhulwini le-CLA ngo-2026. Olu hlenga-hlengiso lunceda ukuqinisekisa ukuba iingenelo azilahlekelwa ixabiso elingaphaya kwexabiso ngenxa yokwanda kwexabiso lobomi.
I-inshorensi yokhuseleko loluntu (SDI)
I-Inishorensi yoKhuseleko loLuntu inikela inkxaso engundoqo yengeniso kubasebenzi abangakwazi ukusebenza ngenxa yemeko enzima yempilo. Ngokungafaniyo neengenelo zomhlala-phantsi, i-SSDI ixhomekeke kungekuphela nje kwityala lomsebenzi kodwa nakwixesha elinzima nelilindelekileyo lesiphene sakho.
Iimfuno zokungaxhathisi ze-SSDI
I-SSDI yinkqubo ye-inshorensi karhulumente eqhutywa yiSocial Security Administration apho uhlawula kuyo ngerhafu ehlawulwayo kwingeniso efunyenweyo, kwaye ukuba usuke ukhubazekile kwaye akusakwazi ukusebenza kumgangatho ofanelekileyo, ungafumana iinzuzo nyanga zonke ngokusekelwe kwimbali yengeniso yakho. Inani lemali-mali yomsebenzi efunekayo liyahluka-hluka ngokweminyaka yobudala, abasebenzi abatsha abafuna iityala ezincinane kunezo basebenzi abadala.
Ingcamango engundoqo kwi SSDI ingu "umsebenzi obalulekileyo ozuzwayo" (SGA). Ukufanelekela i-SSDI, awunakwenza oko i SSA iyakubiza ukuba kufumaneke kakhulu, kwaye ngo-2026, umlinganiselo we-SGA ngu-R2,690 ngenyanga kuninzi lwabafaki-zicelo kunye ne $2,830 ngenyanga kwabo bangaziboniyo zomnyami. Ukuba umvuzo wakho ugqithisa ezizimali, ufumana ufanelekele iinzuzo zesiphene.
Amalungiselelo Akhethekileyo: Iingenelo Zomntwana Omdala Okhubazekileyo
Umahluko obalulekileyo kwimithetho esesikweni ye-SSDI ludweliso lomntwana oKhulu olukhubazekileyo (DAC). Inkqubo yomntwana oKhulu ekhubazekileyo ivumela umntu owaba ngumlwelwe ngaphambi kokuba abe neminyaka engama-22 ukuqokelela iinzuzo ze-SSDI ezisekelwe kwingxelo yomsebenzi womzali, hayi eyazo, kwaye umzali kufuneka afumane umhlala-phantsi wentlalo-ntle okanye iingenelo zesiphene, okanye afe. Eli lungiselelo libaluleke ngokukhethekileyo kubantu abaneziphene zokukhula okanye iimeko ezibathintela ekuzenzeleni imbali yomsebenzi wabo.
Ukuqwalaselwa Kobudala KwiNkokeli yeSSDI
Ubudala bunendima ebalulekileyo kukuzimisela ukukhubazeka, ingakumbi kwabasebenzi abadala. Imithetho ye-SSA's Grid inika ubunzima obukhulu kubudala xa igqiba ukuba umntu unokuziqhelanisa nomnye umsebenzi, kwaye abafaki-zicelo abaneminyaka engama-55 nangaphezulu abanemfundo elinganiselweyo kunye nemiqathango yemisebenzi yempangelo basenokufunyanwa bengakwazi ukutshintshela kumsebenzi olula. Oku kuqonda ukuba abasebenzi abadala bajamelana nocelomngeni olukhulu ekuqhelaneni nohlobo olutsha lomsebenzi kungakhokelela ekuvunyweni kwiimeko ezinokuthi zingavunywa ngabatsha abacela umsebenzi.
Ingeniso yoKhuseleko eyongezelelweyo (SSI)
Ngeli xesha idibene ne-Inshorensi yoKhuseleko lweNtlalo-ntle, i-Someral Security Infication ingudweliso olukhethekileyo oluneenkcukacha ezahlukeneyo nemithombo yenkxaso-mali. Ngokungafaniyo ne-SSI, efuna ukuxhonywa, i-SSDI ibotshelelwe kwingxelo yakho yomsebenzi. I-SSI inikela uncedo lwemali kubantu abalupheleyo, abaziimfama, nabaneziphene, abanamali namali ingabaninzi, kungakhathaliseki ukuba basebenza kangakanani na.
Ngo-2026, iSomeral Security Individual Federal Benefit Rate ingu-19994 ngenyanga kumntu ofanelekileyo kunye ne-R344,491 ngenyanga kwisibini esifanelekileyo. La matyala amela ubuninzi bentlawulo ye-SSI karhulumente, nangona amanye amaphondo ongezelele le mali ngentlawulo eyongezelelekileyo.
I-Medicare: Isigqumo sezempilo kubantu abatsha nabaneziphene
IMedicare isebenza njengenkqubo ephambili ye-inshorensi yempilo yamaMerika aneminyaka engama-65 nangaphezulu, kunye nabantu abathile abaselula abaneziphene. IMedicare yinkqubo ye-inshorensi yempilo ephambili kubantu abaneminyaka engama-65 nangaphezulu, ngoxa iMedicaid iyinkqubo edityanisiweyo yephondo elungiselelwe abantu abafumana imali ephantsi. Ukuqonda iinxalenye ezahlukeneyo zeMedicare nendlela abasebenza kunye ngayo kubalulekile ekuphuculeni inkxalabo yakho yempilo.
IMedicare Icandelo A: I - inshorensi Yezibhedlele
IMedicare Part A izigqumo ezikwizibhedlele ezinyamekela abaguli, ukunyanyekelwa kwabeza abagulayo ngobuchule, ukunyanyekelwa kwamalungu onyango olusemgangathweni, kunye nezinye iinkonzo zempilo zasekhaya. Abantu abaninzi abahlawuli iCandelo leMedicare A ukuba banembali eyaneleyo yomsebenzi.
ICandelo A lesibhedlele esinezigulana esiphelelweyo lizigubungela iindleko zabaxhamli abafumana iingenelo kwintsuku ezingama-60 zokuqala zeMedicare ebekwe kwi-fekta yonyango lwabaguli ngexesha elifanelekileyo, kwaye ngo-2026, abaxhamli kufuneka bahlawule imali e-$34) ngosuku ngemini kuma-61 ukuya kuma-90 emini yokufakwa esibhedlele. Kunonophelo olunobuchule, ukusetyenziswa kwemali yemihla ngemihla ye-21 ukuya kwi-100 yenkonzo yoncedo oluzinzileyo kuya kuba zii-R4,000,000,000, ngonyaka wama-2026.
Icandelo B: I - inshorensi Yezonyango
Inxalenye B igubungela iinkonzo zogqirha, unyango lwangaphandle, iinkonzo zokukhusela, kunye nezixhobo zezonyango ezihlala zihleli. Ngokungafaniyo neCandelo A, inkoliso yabangeneli ihlawula intlawulo yenyanga nganye kwiCandelo B. Umlinganiselo wemali enikwa uMdicara Icandelo B ebhankini uza kuba ngu-R22026, ulwandiso lwemali e-R2,90 ku-R2,90 ukusuka ku-R440.00 kwi-2025. Ukongeza, ukuncitshiswa konyaka kweMedicaras Part B Livens izakuba ngu-R22026, ulwandiso lwamaR42222,000 kunyuko lwemali eh6,000 kunyaka yonke, ngonyaka, ngonyaka ngo-2025.
Abangeneli bengeniso ephezulu bahlawula iimali ezongezelelekileyo nge-Indiced Monthly Lungisaniselo Lwamatyala (IRMAA). Ezi zincopho zisebenza kuzo zombini icandelo B neCandelo D ezisekelwe kwingeniso yakho elungisiweyo ehlengahlengisiweyo esuka kwiminyaka emibini ngaphambili.
Icandelo C: IMedicas Iluncedo
Izicwangciso zenzuzo zeMedicare, ezikwabizwa ngokuba yiPart C, zinikezelwa ziinkampani ze-inshorensi zabucala ezivunywe yiMedicare. Ezi zicwangciso zidibanisa iPart A neCandelo B kwaye zisoloko ziquka iinzuzo ezongezelelekileyo ezifana nokugqunywa kwamayeza agunyaziweyo, amazinyo, ukubona, neenkonzo zokuva. Izicwangciso zezentengiso zeMedicas zimisela inkcitho yazo, iimali ezinokungabhatako, ezinokuhluka kakhulu ukusuka kwiMedicare.
Icandelo D: Ukugqunywa kweziyobisi ezigunyaziswayo
Icandelo D linika inkcitho yeziyobisi ezigunyazisiweyo kwiinkampani ze-inshorensi zobucala. Ngelinye ixesha, iCandelo D likhona kuye kwafuneka nabani na onentengiso yeMedicare. Iinguqu zakutshanje zenze iCandelo D laneliseka ngakumbi kubantu abaninzi abangenelwayo. Icandelo D liza kuvelisa i-R2,100 ye-iCRC-P yemali kagqirha enikwa amayeza agunyazisiweyo, linika umnatha wokuzikhusela kwabo bajongene neendleko eziphezulu zamayeza.
Imali eninzi egciniweyo ifumaneka kwinkqubo yenkcazo yexabiso leziyobisi zeMedicare. Le mali ilindeleke ukuba ithobe imali echithwayo yabamkeli ngokuqikelelwa kwi-R2,5 yezigidi ngeminyaka engama-2026, kwaye ukuba amaxabiso aphantsi ebesebenza ngowama-2023, amaMedicare ngokwawo ebeya kusindisa malunga ne-$2,000 yezigidi.
2026 Izahlulo Neenguqu
Iinguqu eziliqela ezibalulekileyo kuMedicas zasebenza ngo-2026. Imithetho emitsha eyasebenza ngoJanuwari 1, 2026, ifuna ukuba izigqibo zogunyaziso zikhawuleziswe ngokukhawuleza ngaphambi kokuba zisetyenziswe kunye neMidica ingenelo, njengoko iCMS inenjongo yokusebenzisa i-internationaloperation kunye noMthetho weNgqiqo woLawulo loQokelela wangaphambili zicwangciswe ukumisela iinjongo zokusebenzisa ngokukhawuleza, ezicace ngakumbi kunye neenkqubo zogunyaziso lwezi mbane.
Abaxhamli banomdla kumayeza obunzima, iindlela ezintsha zokukhombisa ziyafumaneka. Isicwangciso sokubhalisa seMedicare Icandelo D lomyalelo wamayeza oogqirha baza kubona amayeza aqhelekileyo eGLP-1-osi afumaneka nge-R150 ngenyanga, ene-athomu e-Mounjaro, i-Ozempic, i-Wegovy ne-Zepwill kunye nepilisi ye-Wegovy elindeleke ukuba igqunywe, nangona intengiso ingaqali de kube ngoJulayi 2026.
I-Medicaid: Isigqumo sempilo se-asensity
IMedicaid inikezela nge-inshorensi yempilo kubantu abahlawulwa kancinci kunye neentsapho, isebenza njengentsebenziswano phakathi koorhulumente borhulumente norhulumente. IMedicaid yinkqubo yorhulumente kunye norhulumente edibanise i-inshorensi yempilo kubantu abafumana ingeniso elinganiselweyo kunye nobuncwane, kwaye amazwe anikwa ubuchule bokuqhuba inkqubo ngaphakathi kwimigaqo yesebe, ngoko imithetho yokuhlawula kunye neendleko zingahluka ukusuka kurhulumente omnye ukuya kwenye.
Ukukwazi ukumelana nengozi
Ukufaneleka kweMedicaid kusekelwe ngokuyintloko kwingeniso, ngenkoliso yamaphondo asebenzisa umgangatho wobuhlwempu obumanyeneyo njengophawu lwebheji. Ngokuqhelekileyo, abantu abanomgangatho wengeniso ngaphantsi kowe-88% womgangatho wobuhlwempu obumanyeneyo bafanelekela iMedicaid, kwaye ngowama-2026, oku kuthetha ukuba abantu abafumana ii-R2,025 ngonyaka baya kufaneleka kumazwe amaninzi, nangona i-Alaska neHawaii zinemiqobo eyahlukileyo elungeleleneyo.
UMedicaid unceda abantu abahlukeneyo, kuquka abantu abadala abafumana imali encinane, abantwana, amabhinqa akhulelweyo, abantu abadala nabantu abaneziphene. Le nkqubo inikela umxholo obanzi ongaphezulu koko kunikelwe nguMedicaid. UMedicaid ugubungela iinkonzo ezingaphezulu kwezo zilungiselelwe phantsi kweMedicare, kuquka ukunyanyekelwa kwabantwana ngaphaya komlinganiselo weentsuku ezili-100 okanye ukunyanyekelwa ngobuchule kweziko lokunyamekela abalupheleyo okuzigubungelayo iMedicara, iziyobisi ezigunyazi, iglasi, kunye neezixhobo zokuva.
Ukulingana: AmaMedicare NeeMedicaid Andawonye
Abantu abaninzi bafanelekela iMedicare neMedicaid, eyaziwa ngokuba "zifaneleke ngokufanelekileyo". IMedicaid inikela ingxubusho yempilo kubantu abaphezulu abangaphantsi kwezigidi ezisi-7,2 abakwizigidi ezi-4,8 abakwizikhuseli ezinokubhaliswa eMedicare, nabantu abazizigidi ezili-12 abafaneleke ngokudityanisiweyo kwaye babhaliswe kuzo zombini iinkqubo.
Kubantu abangenelwayo abanokufumana inkxaso epheleleyo, ezi nkqubo zimbini zisebenza kunye ukunikezela ngokuqulunqwa. Xa utyelela umnikezi othatha zombini iMedicaid, iMedicare ihlawula kuqala ngexabiso lenkathalo yakho, kwaye uMdicaid uhlawula okwesibini, iimali zokuhlawula kunye nezinye iindleko ezingagqunywanga. Olu manyano lunganciphisa kakhulu iindleko zonyango lwasezindlekweni eziphantsi kubantu abakhulu nabakhubazekileyo.
Iinkqubo Zokugcina ZeMedica
IiNkqubo zokuNika iMedicares Kunceda iiNkcukacha ezifumana imali ephantsi ehlawulwayo ngeMadicare, inkcitho ekhoyo, kunye nemali encinane. Abanye abangenelwayo abanokusetyenziswa ngokusemthethweni bangalufanelekela uncedo ukuhlawula iimali ngenkqubo yeMedicare Seas, ejolise ekuncedeni abantu abaphantsi abafumana imali egcinwe ngaphandle kwemali enxulumene neMedicare, kunye nomgaqo ngamnye onomvuzo owahlukileyo kunye nomgangatho wokufumana izibonelelo.
Inkqubo yoncedo lokutya eyongezelelweyo (SNAP)
I-SNAP i-Someral Nutrition Information Program, eyaziwa ngokuba yi-SNAP okanye izitembu zokutya, inceda abantu abafumana imali encinci kunye neentsapho ezithenga ukutya. I-SNAP yeyona nkqubo yoncedo lokutya yezondyezo yesizwe, inceda izigidi zamaMelika nyanga nganye. Ucwangciso lunika iinzuzo nyanga zonke ezifakwe kwikhadi le-Electronic Refective Revection (EBT) elinokusetyenziswa kubathengi abagunyazisiweyo ukuthenga izinto zokutya.
Ukungabi Nakuthelekiswa Nanto Neengenelo
UKUBA KHO NGENKWENKCUKACHA kuxhomekeke kwingeniso yendlu, ubuncwane, kunye neendleko ezithile. Ngokuqhelekileyo, iintsapho kufuneka zihlangabezane nemilinganiselo yengeniso ephezulu neyomnatha, enxulumene nomgangatho wobuhlwempu karhulumente. Imali yeSNAP efunyanwayo ixhomekeke kumlinganiselo wendlu, ingeniso, kunye nokuncitshiswa kweendleko ezivumelekileyo njengendlu kunye nokunyanyekelwa kwabantwana.
Iingenelo ze-SNAP zingasetyenziswa ukuthenga ukutya okuninzi okulungiselelwe ekhaya, kuquka iziqhamo, imifuno, inyama, izinto ezenziwe ngobisi, isonka, ingqolowa, nembewu nezityalo ezivelisa ukutya. Olu cwangciso alugubungeli utywala, icuba, ukutya okushushu okanye ukutya okungekokutya.
Amalungiselelo akhethekileyo e-SNAP
Abanye abantu bafumana ulwazelelelo olukhethekileyo phantsi kwemithetho yeSNAP. Abantu abakhulileyo (abaneminyaka engama-60 nangaphezulu) kunye nabantu abakhubazekileyo bangafanelekela imida yengeniso ephezulu kunye nemali eyongezelelekileyo. Izindlu zamalungu akhulileyo okanye akhubazekileyo azithotyelwa ngumda oyimfuneko osebenza kwamanye amakhaya kwamanye amazwe.
Abafundi, abantu abadala abakwaziyo ukufikelela kwimo ephantsi kolawulo, kunye nabaphambukeli bajamelana neemfuno ezongezelelekileyo. Ukuqonda le mithetho ikhethekileyo kubalulekile ukugqiba enoba wena okanye amalungu entsapho yakho niyalufanelekela kusini na uncedo.
Iinkqubo zoncedo lwezindlu
Iinkqubo zoncedo lwezindlu ezilungiselelwe urhulumente zinceda iintsapho ezifumana imali ephantsi, abantu abadala nabantu abaneziphene bayakwazi ukufumana izindlu ezikhuselekileyo nezifanelekileyo. Ezi nkqubo zilawulwa liSebe lezezindlu neNguqulo yeUrban (HID) kunye namaziko ezindlu asekuhlaleni.
Icandelo 8 Inkqubo Yokhetho Lwezindlu
Inkqubo yokuKhetha iHome Voucher, edla ngokubizwa ngokuba yiCandelo 8, yinkqubo ephambili karhulumente karhulumente encedisa iintsapho ezifumana imali ephantsi kakhulu, abakhulileyo, nabantu abaneziphene ukuze bafumane indlu emarikeni yabo. Abathathi-nxaxheba badla ngokuhlawula ama-30% engeniso yabo elungelelanisiweyo yenyanga kwirente kunye nezixhobo eziluncedo, kunye nomxhasi ogquma umahluko ngokwendlela ebekelwe umqathango omiselwe ngumbutho wezindlu zasekuhlaleni.
Izixhobo zokubhabha ziyaphatheka, intsingiselo yeentsapho ingazisebenzisa naphi na eUnited States apho umnini-ndlu amkela iCandelo lesi-8 seSiqinisekiso. Oku kuvumela iintsapho ukuba zikhethe indawo yokuhlala ehlangabezana neemfuno zazo kunokuba zilinganiselwe kwinkqubela-phambili ezithile.
Izindlu zikawonke-wonke
Izindlu zikawonke-wonke zibonelela izindlu zokuqesha ezifanelekileyo nezikhuselekileyo kwiintsapho ezifumana imali ephantsi, abalupheleyo, nabantu abaneziphene. Izindlu zikawonke-wonke zisuka kwimigangatho nentlobo ezahlukeneyo, ukusuka kwizindlu ezineentsapho enye ukuya kwizindlu eziphezulu zeentsapho ezikhulileyo. Amaziko ezindlu zoluntu alawula inkqubela yezezindlu zikawonke-wonke wonke kwaye amisela ukulingana okusekelwe kwimida yengeniso emiselwe yi-HUD.
Uncedo lwenkcazo olusekelwe kwiprojekthi
Iinkqubo zoncedo olusekelwe kwiprojekthi yokuqesha zinika izindlu ezinokufikeleleka ngokufaka iirente kwizakhiwo ezithile okanye inkqubela-phambili. Ngokungafaniyo neendawo zokuhlala ezikhethiweyo Vouchers, uncedo lubotshelelwe kwiyunithi kunokuba lube yindawo yokuhlala. Ukuba i-ant yenqanawa ihamba, ayinakuthatha indawo encinci kunye nazo, kodwa enye intsapho efanelekayo ingafudukela kwiyunithi encinci.
Uncedo Lokwexeshana Kwiintsapho Ezisweleyo (TanF)
Uncedo lokwexeshana lweentsapho ezisweleyo lunika uncedo lwemali kunye neenkonzo ezixhasayo ukunceda iintsapho ezifumana imali ephantsi ezinabantwana ziphumele ubuchule obuthile. UTTANF lucwangciso olunika inkxaso, ithetha ukuba urhulumente wengingqi unika inkxaso-mali kumaphondo, okuyilwa nokusetyenziswa kweenkqubo zawo ngaphakathi kwemigaqo-nkqubo yorhulumente.
Usukelo lwenkqubo kunye neenkonzo zeTANF
UTTANF uneenjongo ezine ezisisiseko: ukubonelela ngeentsapho ezisweleyo ukuze abantwana banyanyekelwe emakhayeni abo, ukucutha ukuxhomekeka ngokukhuthaza ukulungiselela umsebenzi nomsebenzi, ukuthintela ukukhulelwa okungatshatiyo, nokukhuthaza ukwenziwa nokugcinwa kweentsapho ezimbini ezizalwayo. Ama-Ammo asebenzisa imali ye-TANF ukunikezela ngoncedo lwemali, uncedo lokunyamekela abantwana, uqeqesho lomsebenzi, ukuxhasa umsebenzi, nezinye iinkonzo ezicetyelwe ukunceda iintsapho zibe nemali ezizifaneleyo.
Iimfuno Zomsebenzi Nemida Yexesha
Uninzi lwabamkeli be-TANF kufuneka babe nenxaxheba kwimisebenzi yomsebenzi, equka ukukhangela umsebenzi, uqeqesho lomsebenzi, okanye inkonzo yoluntu. Umthetho womanyano umisela umlinganiselo wobomi obungama-60 enyanga ngenkxaso exhaswa ngurhulumente, nangona amaphondo enokuthi ahlawulele ukuya kuma-20% etyala lawo kulo mqathango kwaye asebenzise imali karhulumente ukubonelela uncedo olungaphaya kweenyanga ezingama-60.
Inkqubo Yamabhinqa, Yeentsana Neyabantwana (WIC)
ISicwangciso Esikhethekileyo Sobundlobongela Bamantombazana, Iimveku, kunye nabantwana (WIC) sinikela iminikelo kumazwe asekuhlaleni ukwenzela ukutya okunezongezelelekileyo, ii-herderres, nemfundo yezondlo zokufumana ukukhulelwa okuncinane, ukuncancisa ibele, namabhinqa abelekayo, kwanabantwana abaneminyaka emihlanu ubudala abasengozini yokufumana ukutya okunesondlo.
Iingenelo neenkonzo ezizizizo
IWIC inika abantu ukutya okunesondlo, kuquka ukutya okunesondlo, ubisi, itshizi, amaqanda, ingqolowa, ibhotolo yamandongomane, iimbotyi ezomileyo, iziqhamo nemifuno. Olu cwangciso lukwafundisa abantu ngokuzondla nokucebisa, ukunyanzela ibele, kunye ne-hetrarys kwimpilo neenkonzo zentlalo.
IWIC asiyonkqubo enika ilungelo, ithetha ukuba iBhunga alibekeli bucala imali yokuvumela wonke umntu ofanelekileyo ukuba abe nenxaxheba. Endaweni yoko, iWiC ngunkqubo egunyazisa urhulumente apho iKhomishini igunyazisa imali ekhethekileyo ngonyaka. Ukuba inani labafaki-zicelo lingaphaya kwamandla odweliso lwenkqubo, inkqubo ephambili isetyenziselwa ukulungiselela abo bakwiyona ngozi yokutya.
I-inshorensi yemisebenzi
I-inshorensi ye-inshorensi yokungaqeshwa inikela inkxaso yengeniso yexeshana kubasebenzi abaphulukana nemisebenzi yabo ngaphandle kwempazamo yabo. Le nkqubo ingumanyano lwamazwe azimeleyo, alawula iinkqubo zawo phantsi kolwalathiso lukarhulumente. Abasebenzi bahlawula irhafu ngerhafu ehlawulwayo, nabaqeshi nabo banegalelo.
Ukungabi Nakukwazi Nokungenelwa
Ukuze bafanelekele iinzuzo zokungaqeshwa, abasebenzi kufuneka bafikelele iimfuno ezicacileyo zikarhulumente ngokuphathelele imbali yomsebenzi wabo kunye nengeniso. Ngokuqhelekileyo, kufuneka usebenze ixesha elithile kwaye uzuze imali encinane ngexesha "lexesha lokusikelwa phantsi" phambi kokuba ungabi namsebenzi. Kufuneka ukwazi ukusebenza nokufuna umsebenzi ngokukhutheleyo.
Iinzuzo zemali kunye nexesha elichithwayo lahlukile ngokwemiqathango yorhulumente kodwa lisekelwe kwingeniso yakho yangaphambili. Iimeko ezininzi zinika iingenelo ezimalunga neeveki ezingama-26, nangona oku kunokunyuswa ngexesha lokungaqeshwa okukhulu. Abamkeli kufuneka baqhubeke befikelela kwiimfuno ezifanelekileyo, kuquka ukubika imisebenzi yokuphendla nomsebenzi nokwamkela umsebenzi ofanelekileyo.
Iingenelo Zokuhamba Neenkozo
ISebe leMicimbi yeVeterans (VA) linika iingenelo ezininzi kumagqala neentsapho zabo, kuquka ukunyamekela impilo, imbuyiselo yesiphene, imfundo kunye nokuqeqesha, imali-mali ebolekiweyo yasekhaya, i-inshorensi yobomi, neenzuzo zokungcwaba. Ukunganyaniseki kuyahluka-hluka kuxhomekeka kwiimeko ezifana nobude benkonzo, ukukhutshwa kwesikhundla, imilinganiselo yesiphene, kunye nengeniso.
Unyango lwe-VA
Unyango lwezamayeza lunikela iinkonzo ezibanzi zonyango ezifanelekileyo kumagqala afanelekileyo e-VA asebenzisa amaziko ezamayeza, amakliniki angaphandle, kunye nababoneleli boluntu. Umba ophambili wempilo ye-VA usekelwe kwizinto eziquka ukungasebenzi kakuhle kwenkonzo, umgangatho wengeniso, nezinye izinto ezikhethekileyo. Amanye amagqala afumana ukhathalelo lwempilo olukhululekileyo, ngoxa amanye esenokufuneka ukuze ahlawule imali esekelwe kwingeniso yawo.
Unikezelo olungonakalisiyo
Imali yemali yerhafu yeVA ehlawulwa nyanga nganye kumagqala aneziphene ezidibene nenkonzo yasemkhosini. Umlinganiselo uxhomekeke kubukhali bokhubazeko, obulinganiselwa ku-0% ukuya kwi-100% kwinani elikwi-10%. I-Vertans enemilinganiselo ephezulu yesiphene ifumana intlawulo ephezulu nyanga nganye, kwaye intlawulo eyongezelelekileyo iyafumaneka kumagqala axhomekeke kumaxhoba okanye aneziphene eziqatha.
Iingenelo Zemfundo
I-GI Bill nezinye iinkqubo zemfundo ze-VA zinceda amagqala, amalungu enkonzo, kunye neentsapho zabo ukuba zihlawulele iikholeji, uqeqesho lomsebenzi, nezinye iinkqubo zemfundo. IPost-9/11 GI Bill, eyona nzuzo ibanzi yemfundo, ingahlawula iindleko ezipheleleyo zemali ekwiphondo kwiikholeji zikawonke-wonke, ibonelela imali yokuhlala nyanga zonke, kunye neencwadi zokufihla kunye nezinto ezikuxhasayo.
Ityala lerhafu elifunyenweyo (EITC)
Ityala lerhafu elihlawulwayo lityala lerhafu elihlawulelwayo lokuhlawula irhafu ephantsi kwingeniso ephakathi kubantu abasebenzayo kunye neentsapho. IEITC inciphisa inani lerhafu ebolekwayo kwaye isenokuphumela ekubuyiseni irhafu, nokuba akukho rhafu ibolekiweyo. Imali yetyala ixhomekeke kwingeniso, kwimeko yemali ehlawulwayo, nakwinani labantwana abafanelekileyo.
I-Ethic Iluncedo
Ukuze ufanelekele iEITC, kufuneka uzuze ingeniso yomsebenzi okanye ukuqeshwa, ufikelele imida ethile yengeniso, kwaye wanelise ezinye iimfuno. Abasebenzi abangenabantwana bangakufanelekela ukufumana ityala elincinane. IEITC yenzelwe ukongeza imivuzo yabasebenzi abahlawulwa kancinci kwaye ikhuthaza umsebenzi.
Ityala linokubuyiswa, oko kuthetha ukuba ityala lingaphezulu kumlinganiselo werhafu ebolelekileyo, umhlawuli werhafu ufumana umahluko njengendawo yokuhlawula. Oku kwenza iEITC ibe sisixhobo esinamandla sokuphakamisa iintsapho ezisebenzayo ziphume ebuhlweleni kwaye zibonelele ngozinzo lwemali.
Ukuhlawula Irhafu Yabantwana Netyala Lerhafu
Ityala lerhafu yeChild Taxity linika ityala lerhafu kumntwana ngamnye ongaphantsi kweminyaka eli-17. Imali yetyala ifikelela kwingeniso ephezulu. Ityala lerhafu yabantwana eliseluhlwini liyinxenye ehlawulelwayo yetyala lerhafu leNkxalabo yabantwana, elifumaneka kwiintsapho ezingahlawulwanga mali epheleleyo ukuze zifumane ityala elipheleleyo.
Ukufanelekela Amatyala Erhafu Yabantwana
Ukuze umntwana afumane iNkcitho yeThwatshilo yabantwana, kufuneka ahlangabezane neemvavanyo eziliqela, kuquka ulwalamano, iminyaka yobudala, ukuhlala, ukuxhasa, nokuxhomekeka kuye. Umntwana kufuneka abe ngunyana wakho, intombi, umntakwenu, umntakwenu, udade, umntakwenu womtshato, umntakwabo, okanye umzukulwana wabantwana abangaphantsi kweminyaka eli-17 ubudala, yaye umele ukuba uhlale nawe ngaphezu kwesiqingatha sonyaka.
Inkqubo yoncedo lwamandla asekhaya ehlawulwayo (LIHEAP)
ILIHEAP inceda iintsapho ezifumana imali ephantsi zihlawulela irhafu lazo lokufudumeza nokupholisa, kwaye inika uncedo ngexesha longxamiseko olunxulumene nombane. Le nkqubo ixhaswa ngemali ngezibonelelo zorhulumente ezinikwe iziqobo kumazwe, ayile kwaye asebenzise iinkqubo zawo ngaphakathi kwemigaqo yorhulumente.
Isalathisi somsebenzi
I-LIHEAP inganceda ngexabiso lokufudumala nokupholisa, uncedo lwamandla, ukulungiswa kwemozulu kunye nokuxhotyiswa kwamandla endlu, kunye nokucetyiswa koqingqo-mali okunxulumene nombane. Ukungabi namali kusekelwe kwingeniso, iintsapho ezifumana ingeniso ephantsi kakhulu kunye neendleko eziphezulu zamandla okanye iimfuno, ingakumbi ezo zinamalungu abuthathaka afana nabantwana abaselula, abantu abadala okanye abantu abaneziphene.
Ukusebenzisa Iingenelo: Ukunikela Ulwazelelelo Olubalulekileyo
Ukuze uphumelele ekuqhubeni inkqubo yoluntu kufuneka uqonde indlela esetyenziswa ngayo, uqokelele amaxwebhu ayimfuneko uze uhlale wazi ngamalungelo neembopheleleko zakho njengomvuzo.
Iimfuno Zoxwebhu
Iinkqubo ezininzi zentlalo zifuna uxwebhu oluninzi ukuqinisekisa ukuba luyasebenza. Amaxwebhu aqhelekileyo aquka ubungqina bezono (iphepha-mvume lomququzeleli, ipasis, isatifiketi sokuzalwa), amanani oKhuseleko lweNtlalo yamalungu onke endlu, ubungqina bengeniso (iimali ezibuyisiweyo, iimbuyekezo zerhafu), ubungqina beenkcitho (ingxelo zemali yobhanki, iingxelo zotyalo-mali), kunye nobungqina beendleko (imali ezithenjiweyo, iindleko zemali zemali zezempilo).
Lungisa amaxwebhu phambi kokuba uqalise isicelo sakho kungakhupha inkqubo kwaye kucuthe ulibaziseko. Gcina iikopi zawo onke amaxwebhu owangenisayo, kwaye gcina ifayile yonxibelelwano nomphathi wenkqubo.
Iinkqubo zekhompyutha
Iinkqubo zesicelo zahluka ngokwenkqubo. Izicelo zoKhuseleko loNtlalo kunye neMidias zingagqitywa kwi-intanethi ku-'FLT:0] www.ssa.gov, ngemfonomfono, okanye umntu kwiofisi yoKhuseleko lweNtlalo. Izicelo ze-Medicaid zidla ngokunikezelwa kumasebe karhulumente okanye kwi-Health Inishuwarensis. Izicelo ze-SNAP zicaP zicaciswa ngurhulumente okanye ngamaziko asekuhlaleni, ngokufuthi ngeenketho zesicelo ezifumanekayo.
Iinkqubo ezininzi zinexesha elikhethekileyo lokubhalisa okanye lokubhalisa. IMedicare inexesha lokuqala lokubhalisa, amaxesha okubhalisa oNyaka kunye namathuba akhethekileyo okuTshalisa. Ukuqonda la maxa okufumana ixesha kubalulekile ukuze kuphephe izithuba zokubhalisa okanye izigwebo zasemva kokubhalisa.
Izibheno Nezibheno
Ukuba isicelo sakho asivunywanga okanye awuvumelani nokuzimisela okuyingenelo, unelungelo lokubhena. Inkqubo nganye inenkqubo yayo yezibheno enexesha elifutshane kunye neenkqubo ezithile. Ngokuqhelekileyo, kufuneka ufake isibheno sakho kwinani elithile lentsuku emva kokwamkela isaziso sokukhanyela.
Inkqubo yezibheno ibandakanya imigangatho emininzi, iqala ngokucaciswa okanye ngokuhlolisiswa okungacwangciswanga, iqhubekele phambili kwityala phambi komgwebi womthetho olawulayo, kwaye mhlawumbi iqhubeke kwinkundla yesizwe. Ukuba noxwebhu lokuxhasa imeko yakho nokuqonda izizathu ezikhethekileyo zokukhanyela kubaluleke kakhulu kwisibheno esinempumelelo.
Iintlawulo
Iinkqubo ezininzi zifuna ukuba uxele utshintsho kwiimeko ezinokuchaphazela ubusela okanye ubungakanani obunengenelo. Iinguqu eziqhelekileyo ezinokuchazwa ziquka iinguqu zengeniso, ukwenziwa kwengxelo yendlu, idilesi, ubume bomsebenzi, okanye ubuncwane. Ukungaphumeleli ukuchaza iinguqu zingaphumela ekuhlawuleni imali eninzi oza kuhlawulwa, okanye ukuhlawulwa phantsi kwemali okushiye ungenalungelo lokufumana.
Ukuzikhusela Kubuqhophololo Nakubuqhophololo
Okulusizi kukuba, abaqhathi badla ngokuhlasela abantu abafuna okanye abafumana iingenelo zikarhulumente.
Ukusetyenziswa kokhuseleko oluqhelekileyo
Iinkonzo zoKhuseleko loLuntu azinatyala, yaye akukho mbutho karhulumente okanye inkampani edume kakuhle eya kucela ulwazi lwakho lobuqu okanye izicelo zemali eziphambili zeenkonzo eziluhlobo lothutho locingo okanye amakhadi ezipho, ngoko kufuneka uphephe ukuwela kwixhoba kwiminxeba yokuqhatha kunye namaqhinga e-Internet okusebenzisa ulwazi lobuqu ngokungatyhili ulwazi lobuqu oluyingozi, okanye ungaqhatha iintlekisano ezinobungendawo.
Abakhohlisi banokuthi inani lakho loKhuseleko loNtlalo lishiyiwe, ukuba utyala imali kuLawulo loKhuseleko loluntu, okanye kufuneka uqinisekise ulwazi lwakho ukuze uqhubeke ufumana iingenelo. Khumbula ukuba uLawulo loKhuseleko lwasekuhlaleni alusoze lusongele, lufune intlawulo ekhawulezileyo, okanye lufune ukuhlawulwa ngekhadi lesipho, ikhadi elihlawulwa kwangaphambili, okanye ukuthunyelwa kocingo.
IMedicare neMidiyan
Urhwaphilizo lweMedicare nolweMedicaid lungathatha iintlobo ezininzi, kuquka ubusela bezamayeza, ukubhalisa iinkonzo ezinganikelwanga, ukulungiselela iinkonzo ezingeyomfuneko, kunye nokugqwetha iinkonzo ezinikezelweyo. Khusela amanani eMedicare kunye neMedicaid njengoko ubuya kwenza iinombolo zamakhadi akho etyala. Thetha ngomntu onikela ngezixhobo zonyango okanye iinkonzo zemali zamatyala ngenxa yenani lakho leMedicaid okanye iMedicaid.
Hlola Isishwankathelo Sezishwankathelo Sezishwankathelo noHlahlo lweengxelo zeeNngenelo. Ukuba ubona izixanduva zeenkonzo ongakhange uzifumane okanye umnikezi ongatyelelwanga, zixele ngoko nangoko kumphamba wodweliso lwenkqubo.
Ukukhusela Ulwazi Lwakho
Ungaze unike umntu oqhagamshelana nawe engacengwanga inombolo yakho yoKhuseleko lweNtlalo-ntle, iMedicare, okanye enye inkcazelo yobuqu. Amasebe karhulumente asemthethweni akazukufowuna, i-imeyile, okanye umbhalo ocela olu lwazi. Ukuba akuqinisekanga ukuba uqhakamshelwano luvumelekile, luxhome kwaye lutsale umzi-mfono ngqo usebenzisa inombolo yefowuni oyifumanayo ngokuzimeleyo, hayi enye enikezelwe ngumfowuni.
Iingenelo Zerhafu Ezitsha Kubantu Abakhulileyo Ngowama - 2026
Iinguqu eziphawulekayo zerhafu ngowama-2026 zinika abantu abadala abaneminyaka engama-65 nangaphezulu isiqabu serhafu esitsha kubantu abaneminyaka engama-65 ubudala, zinganciphisa okanye zinciphise ngokupheleleyo irhafu yemali ehlawulwayo kwimivuzo yoKhuselo loLuntu kumaMerika akhulileyo ngowama-2026, kunye nentlawulo entsha ehlayo ehlawulwayo ngerhafu efikelela kwii-$6,000 (R1 000) kumntu ofanele ukuhlawula irhafu.
Impahla nganye efunyenweyo elungisiweyo efikelele kuma-$75,000 okanye izibini ezitshatileyo ezidityaniswe kunye neMAGI ezimalunga nama-R150 000 eedola ezingama-R3 000, ngexesha abantu abafumana imali efikelela kwii-R35 000 kwifayile ezitsha okanye ii-R250 000 zezibini ezitshatileyo banokufumana intlawulo encitshisiweyo. Oku kuhlaziywa kwemali yexeshana kudlulela kunyaka werhafu ka-2028 kwaye kunganikezela ngerhafu eninzi yerhafu yabaphezulu abafanelekeleyo.
Ukuceba Ikamva: Ukuncitshiswa Kweengenelo Zakho
Ucwangciso olucwangcisiweyo lunokukunceda uphucule iingenelo ozifumanayo kwiinkqubo zoluntu ubomi bakho bonke.
Iingenelo Ezininzi
Ukuqonda indlela ezisebenza ngayo iinkqubo ezininzi kungakunceda ukhulise iinzuzo ezipheleleyo. Umzekelo, ukufumana i-SNAP akukuthinteli ekufumaneni uKhuseleko lweNtlalo, kwaye ukubhalisa eMedicare akukuvumeli ukuba ungakufanelekeli ukuba ungene kwiMdicaid ukuba ufikelela iimfuno zengeniso.
Ezinye iingenelo zingachaphazela abanye. Ngokomzekelo, iintlobo ezithile zengeniso zingabalwa kwimida elungeleleneyo kwiinkqubo zovavanyo lobuzwe. Ukusebenza nomcebisi okanye umncedi woluntu kunokukunceda uqonde ezi ntlalo kwaye wenze izigqibo zolwazi.
Iindlela zokucwangcisa zexesha elide
Kukhuseleko loluntu, cinga ngeqhinga lakho lokuzibiza. Ngoxa usithi unika ingeniso kwangoko, ukulinda kungaphumela kwiingenelo eziphezulu kakhulu ebomini, ingakumbi ukuba unobude bobomi. Izibini ezitshatileyo zifanele zilungelelanise iindlela zazo zokuzibiza ukuze zifumane iingenelo ezisindileyo.
KwiMedicare, hlola iinketho zakho zonyaka ngexesha lonyaka lokubhalisa. Unyango lwakho lufuna utshintsho kunye nezicwangciso ezikhoyo zonyango, kwaye utshintsho lwezicwangciso lungaphumela ekugqumeni okungcono okanye kwiindleko eziphantsi. Thelekisa izicwangciso ze-Medicare, izicwangciso ze-Medicas Ezongezelelweyo, kunye ne-Frectal Medicare ukufumana okona kufanelekileyo kwimeko yakho.
Ukuhlala Unolwazi
Iinkqubo zoluntu zitshintsha rhoqo ngomthetho, ummiselo, kunye nohlaziyo. Ukuhlala waziwe ngotshintsho oluchaphazela iinzuzo zakho kubalulekile. Yenza ityala lokhuseleko loluntu [[FLT:] olungundoqo] ukufikelela kwingxelo yakho yengeniso, inzuzo yoqikelelo, kunye nezaziso ezibalulekileyo kwi-intanethi. Sikela uhlaziyo lwe-imeyili olusuka kuLawulo lwezokhuseleko lwe-Social Administration, Medicare, nezinye iinkqubo ozithatha inxaxheba kuzo.
Khangela iiwebsite zikarhulumente ezisemthethweni ukwenzela ulwazi oluchanekileyo, oluya- kulwazi olufikela kulo. Ulawulo lokhuseleko lwentlalo (] www.ssa.gov), Mecare ( www.mecare.v), kunye neenzuzo.gov ([[FLTL: 4.] www.befitns.vv) inikeza ulwazi olubanzi malunga nenzuzo, neenzuzo, kunye neenkqubo.
Ukufuna Uncedo Loogqirha
Iinkqubo zezentlalo zinokuba nzima, kwaye uncedo lobugcisa lusoloko lubalulekile. Iiofisi zoLawulo loKhuseleko loNyaka zinikela uncedo lwasimahla ngemibuzo yoKhuseleko loNtlalo-ntle neMida. I-Rhulumente ye-Hulumeni ye-Unishorensi Inkxaso-Mnyango wezeNtlalo-ntle (iiinqanawa) inikela uqeqesho ngesisa, olungenalucalucalulo. Iintlangano zoncedo olusemthethweni zinganceda ekubheneleni kwizibheno nakwimibango entsokothileyo.
Lumka nabani na ohlawula iindleko zeenkonzo ezifumanekayo ngokukhululekileyo kumaqumrhu karhulumente. Ngoxa ezinye izifundiswa, njengamagqwetha omthetho abadala okanye abacebisi bemali, irhafu esemthethweni yeenkonzo zabo, ungaze uhlawule umntu oza kukunceda ufake isicelo soKhuseleko lweNtlalo-ntle okanye lweMedicas, njengoko ezi nkonzo zinikezelwa ngesisa yiNtlalo-ntle.
Oovimba bolwazi olongezelelekileyo
Zininzi izinto ezikhoyo ezinokukunceda uqonde ungenelelo lweenkqubo zoluntu:
Ulawulo lokhuseleko: Ukutyelela www.ssa.gov okanye ukubiza 1-800-771213 (TTY 1-325-025-078) malunga nolwazi malunga nomhlala-phantsi wokhuseleko lwentlalo, ukungasebenzi, kunye neenzuzo zabasindi, ngokunjalo neMedicare.
Imedicari: Ityelelo lwe www.medicare.gov okanye ubiza 1-800-MEDICARE (1-800-633- 4227, TTY 1-86-48) malunga nenkcitho, iindleko, kunye nobalo.
[[FLT: 0] Medicaid: qhagamshelana neofisi yakho yezwe ye Medicaid ukuze ufumane ulwazi malunga nokufezeka neenzuzo kwimeko yakho. Fumana umnikezi wemeko eMedicaid.gov.
[[FLT: 0]SNAP: Thelekisa urhulumente wakho okanye iofisi ye SNAP yobulali uku sebenzisa ukwenzela uncedo. Fumana iofisi yakho yobulali ku www.fns.usda.gov/snap/rearch- directory.
Benefit.gov: Le webhsayithi inika inzuzo yesixhobo sokufumana esikunceda uchonge iinkqubo onokuzifanelekela ngokweemeko zakho.
Izixhobo zeInshorensi yoncedo lwempilo yemotement: Ezi nkqubo zinika icebiso le-Medicare. Fumana iNqanawa yakho yasekuhlaleni kwi-www.pthelp.org okanye ngokubiza 1 8877 83-2675.
I-' Indawo yolawulo lwamatyala: Ukubiza 1-800-117-1116 okanye ukutyelela i www.ecl.ac.gov ukufumana ugcino-lwazi lwasekuhlaleni lwabantu abadala, kuquka ingcebiso yenzuzo, uncedo olusemthethweni, kunye neenkonzo zokuxhasa.
Isiphelo
Iinkqubo zokhuseleko ezibalulekileyo zezentlalo zixhasa izigidi zabantu baseMerika ngenxa yomhlala-phantsi, ukukhubazeka, ukugula, ukungaqeshwa, nezinye iingxaki. Ukuqonda ezi nkqubo ``iNkqubeko, iMedicaid, i-SNCAid, inkxaso-zindlu, kunye nezinye iingcinga ezininzi zokufumana iingenelo ozifumeneyo okanye ozifanelekele ngokweemeko zakho.
Umhlaba weenkqubo zoluntu uyaqhubeka uguquka, utshintsho oluyingenelo, iimfuno ezifanelekileyo, kunye nemithetho yenkqubo eyenzeka rhoqo. Ukuhlala wazi ngezi nguqulelo, ukuqonda amalungelo akho neembopheleleko, ukugcina iingxelo ezichanileyo, nokufuna uncedo xa luyimfuneko kuya kukunceda uqhube ezi nkqubo ngempumelelo kwaye kwandisa iingenelo wena nentsapho yakho eninokuzifumana.
Nokuba ngaba uceba umhlala-phantsi, ujongene nesiphene semali, okanye unceda ilungu lentsapho ukuba lifumane iinkonzo ezifunekayo, ulwazi kunye noovimba abadweliswe kwesi sikhokelo banika isiseko sokuqonda nokufikelela kwiinkqubo zentlalo-ntle yaseMelika. Zinike ixesha lokuqwalasela iinkqubo ezinxulumene nemeko yakho, qokelela amaxwebhu afunekayo, kwaye ungangabazi ukufikelela kubaphathi benkqubo okanye abacebisi boncedo. Ezi nkqubo zikhona ukunikela inkxaso xa ufuna zona kakhulu, linyathelo lokuqala lokufikelela kuzo ekukhuseleni uncedo olufanelekileyo.