Table of Contents

Iinkonzo zoluntu neenkqubo zikarhulumente zokuxhasa urhulumente zinendima ebalulekileyo ekuncedeni abantu kunye neentsapho ukuba bahambe ngamaxesha anzima baze bakhe ubomi obuzinzileyo, obukhuselekileyo. Ezi nkqubo zinika uncedo olubalulekileyo kwiindawo ezininzi eziquka ukunyamekela impilo yakho, imfuno, isondlo, umsebenzi, imfundo, nenkxaso yemali. Ukuqonda ngokupheleleyo iinkonzo ezikhoyo, indlela esebenza ngayo, nendlela yokuzifikelela kunokwenza umahluko obalulekileyo ekuphuculeni impilo yakho nokufikelela ekuzinzeni kwexesha elide.

Ukuqonda Iinkonzo Zezentlalo: Ingongoma Ebalulekileyo

Iinkonzo zoluntu luluhlu lweenkonzo zikawonke-wonke ezilungiselelwe ukubonelela inkxaso noncedo kumaqela athile, adla ngokuquka abasweleyo. Ezi nkqubo zimela imbopheleleko yebutho labantu ukuqinisekisa ukuba bonke abemi banazo iimfuno ezisisiseko namathuba obomi obungcono, kungakhathaliseki ukuba iimeko zabo zinjani na.

IHHS ijonge iinkqubo neenkonzo eziphucula impilo-ntle yabantu ngabanye, iintsapho, kunye noluntu. Kumgangatho worhulumente, amasebe amaninzi karhulumente alungelelaniselana ukunikezela iinkqubo zenkxaso ebanzi, ngelixa oorhulumente belizwe noorhulumente basekuhlaleni besoloko benikela ezi nkqubo kwaye banganikela uncedo olongezelelekileyo olulungele iimfuno ezikhethekileyo zengingqi yabo.

Iinkonzo zentlalo zinxulumene nengcamango yentlalo-ntle nemeko-ntle, njengoko amazwe aneenkqubo zentlalo-ntle ezininzi ngokufuthi enika iinkonzo zoluntu ezininzi. Ukuphuhliswa nolwandiso lwale nkqubo lubonisa ukuqonda okunika inkxaso kwabo basweleyo kungekuphela nje inzuzo yabantu ngabanye, kodwa ibutho labantu liphela kunye nebutho labantu liphela.

Injongo Nokubaluleka Kweenkonzo Zoluntu

Iinkonzo zezentlalo zinceda abantu neentsapho zabo bakwazi ukuhlangabezana neentswelo zabo ezisisiseko, zoyise iingxaki zabo, ziphucule ubomi babo, zinceda abantu abathwaxwa bubuhlwempu, abagulayo, abangazinziyo izindlu, abaxambulisanayo, nezinye iimeko ezinzima.

Iinkonzo zentlalo zisebenza ukukhusela iingxaki zingakhuli. Umzekelo, umenzi-tyala anganceda intsapho iphephe ukugxothwa, umcebisi anganika umncedi okwishumi elivisayo ungenelelo olubonisa iimpawu zodandatheko, okanye umbutho woluntu unceda umntu afumane uqeqesho lomsebenzi ngaphambi kokuba kuqaliswe ukungaqeshwa ixesha elide. Oku kuthintela kunceda ukunciphisa ubungqingqwa beemeko ezinzima kwaye uxhase iziphumo ezingcono zexesha elide.

Iinkonzo zentlalo zibalulekile kuwo onke amanqanaba ukuqinisekisa intlalo-ntle yommi ngamnye, kungakhathaliseki ubudala, imvelaphi, uhlanga, okanye indlela yesondo. Ukubandezeleka okuya kubakho ngaphandle kwezi nkonzo akucingwanga ukuba kubonwe. Ezi nkqubo zidala umnatha wokhuseleko onceda abantu neentsapho ukuba zingaweli ebuhlweni obunzulu okanye zive ubunzima obukhulu ngamaxesha obunzima.

Iindima eziphambili zabaNikezeli beNkonzo yoNtlalo

ISebe leMicimbi yeNkcubeko neMibutho yeNtlalo lisebenza imisebenzi emininzi ebalulekileyo ukuxhasa abo basweleyo:

Iimfuno zophando: Oogqirha baqwalasela imeko yomntu ngamnye ukuqonda ukuba yiyiphi inkxaso efunekayo. Le ndlela ithe qwa iqinisekisa ukuba abantu bafumana uncedo oluvumelana neemeko zabo ezikhethekileyo kunokuba lube sisisombululo esilinganayo.

Ukudibanisa oovimba: Abaxhasi babhekiselwa kwiinkqubo ezinjengoncedo lokutya, inkxaso yezindlu, amacebiso, okanye unyango. Abasebenzi bentlalo kunye nabaphathi-majoni basebenza njengabahambi beenqanawa, banceda abantu baqonde ukuba ziziphi iinkqubo ezikhoyo kwaye ngoobani abafanelekelayo.

Ukunyamekela abasebenzi: Abasebenzi bezentlalo basoloko besebenza kwiinkqubo ezininzi ukuqinisekisa ukuba abantu kunye neentsapho zabo ziyaxhaswa ngokusisigxina. Olu manyano lubalulekile ngakumbi kubantu neentsapho ezijongene neengxaki ezininzi ngaxeshanye, njengokungaqeshwa, ukungalungelelani kwezindlu, neengxaki zempilo.

Ukukhusela abantu ababuthathaka: Iinkqubo ezininzi zijolise kwintlalo-ntle yabantwana, ukukhathalelwa kwabadala, kunye neenkonzo ezinikelwa kubantu abaneziphene okanye abo basengozini.

Ukukhuthaza ukuzinza kwexesha elide: Injongo ayikokucombulula iingxaki ezikhawulezileyo kuphela kodwa ikwakukwakha indlela ekhokelela ekunelisekeni nasekuphuculweni kwempilo. Iinkonzo zentlalo ezinempumelelo zinceda abantu bahlakulele ubuchule, amathuba okufikelela, kunye nokwakha oovimba abaxhasa utshintsho oluhlala luhleli.

Iintlobo zeenkonzo zoNtlalo kunye neeNkqubo zokuXhotyiswa

EUnited States, iinkqubo zezentlalo ezikhoyo ziquka uncedo lwemali, i-inshorensi yempilo, uncedo lokutya, inkxaso-mali yezindlu, amandla, inkxaso-mali yezemali, kunye noncedo lwemfundo nolokunyamekela abantwana.

Iinkalo eziphambili zeenkonzo zoluntu ziquka imfundo, iinkonzo zempilo, iinkqubo zezindlu, kunye nezothutho.

Iinkqubo zoncedo lwemali

Iinkqubo zoncedo lwemali zinikela inkxaso yemali engqalileyo ukunceda abantu neentsapho zabo bahlangabezane neentswelo zabo ezisisiseko ngoxa besebenzela ukuzanelisa ngakumbi.

Uncedo lokwexeshana kwiintsapho ezisweleyo (TANF): Inika uncedo lwemali kwiintsapho ezifumana imali ephantsi njengoko zifuna umsebenzi. UTTANF unika uncedo kunye namathuba okusebenza kwiintsapho ezisweleyo, ukudibanisa inkxaso yemali neenkonzo zemisebenzi kunye neemfuno zomsebenzi ezilungiselelwe ukunceda abamkeli beluvo lwezemali kwinkululeko yezoqoqosho.

Uncedo jikelele ligama elisetyenziselwa ukuchaza uncedo olunikezelwa nguRhulumente noorhulumente basekuhlaleni kubantu abasweleyo okanye kwiintsapho ezingalufanelekeliyo ucwangciso olungundoqo loncedo kunye nabo baneengenelo ezingelulo lungako ukuhlangabezana neemfuno ezisisiseko. Ezi nkqubo zisebenza njengomnatha wokhuseleko owongezelelekileyo kwabo bawela kwiingxaki zeenkqubo ezinkulu zikarhulumente.

Ityala lerhafu elingenayo (EITC) lityala elikhethekileyo lerhafu yerhafu yabasebenzi abafumana imali ephantsi. Ityala linciphisa inani lerhafu abafanele bahlawule (ukuba kukho oono) kwaye lijolise ekuthinteleni ukwanda kwenkcitho ekhoyo kwiindleko zemali nerhafu yeNtlalo-ntle. Le nkqubo inikela isiqabuliso semali ngenkqubo yerhafu, ibuyisela imali ezinkokheni zeentsapho ezisebenzayo.

Ukutya Noncedo Lokondleka

Iinkqubo zokutya okunesondlo ziqinisekisa ukuba abantu neentsapho zabo bayakwazi ukufumana ukutya okwaneleyo, okusempilweni kungakhathaliseki ukuba banemali engakanani na.

Inkqubo yoncedo lweNtutrition Ernetic App (SNAP): Inika iingenelo zokutya kwiintsapho ezifumana imali ephantsi ukuze zithenge ukutya okunesondlo okuyimfuneko kwimpilo. Inkqubo ye-USDA'SNAP inika iingenelo zokutya ezinika iziphumo zokutya ukwenzela ukulungiselela abantu abafumana imali ephantsi kunye neentsapho. ISNAP yenye yeenkqubo zoncedo ezinkulu nezisetyenziswa ngokubanzi eUnited States.

I-Wic inika amabhinqa akhulelweyo, oomama abatsha nabantwana abancinane izongezo zokutya, imfundo yokutya, kunye nee-arhes ezinika ingxubusho ephambili yokutya okuyimfuneko ngexesha lokukhulelwa naxa kusekukhuleni komntwana.

Iinkqubo zeSikolo seSizwe iLunch neSikolo seBreakfast zinika abantwana abakwisikolo sangaphambi kwesikolo kunye nesikolo ukutya okunesondlo okufumaneka ngesisa okanye okunikwa ngexabiso eliphantsi kakhulu. Ezi nkqubo ziqinisekisa ukuba abantwana bayakwazi ukutya ukutya okunesondlo ebudeni bemini yesikolo, bexhasa ukuzondla kwabo kunye namandla abo okufunda ngokunempumelelo.

Inkqubo yeSiko loLuntu lokuThetha koMdla noLuntu (CACFP) luhlobo oluthile loncedo lwezemali lwaseUnited States olunikwa liSebe lezeLimo (USDA) ukuchaza ukulungiselela ulungiselelo lokutya okuncinane imihla ngemihla kubantwana abaqikelelwayo abazizigidi ezisisi-3,2, nabantwana abamalunga ne-112,000 000 000 abakhulileyo okanye abagulayo okanye abagulayo abakwimimiselo yezonyango engekho nkonzo yomhla.

Ukukhuselwa nokuxhaswa kwempilo

Iinkqubo zonyango ziqinisekisa ukuba abantu abahlawulwa kancinci kunye neentsapho bayakwazi ukufumana unyango oluyimfuneko ngaphandle kokujamelana neengxaki zemali.

IMedicaid: I-inshorensi yempilo yabantu abahlawulwa kancinci kunye neentsapho. IMedicaid yenye yeenkqubo ezinkulu zoluntu eUnited States, ilungiselela ukunikezelwa kwengxelo yezempilo ebanzi kuquka ukutyelelwa ngugqirha, ukunyanyekelwa kwezibhedlele, amayeza kagqirha, kunye neenkonzo zokukhusela. Ngo-2024, i-arhente yorhulumente echithe i-13 enkulu yezi nkqubo zifunyenweyo ziphantsi yafikelela kwi-R3,292 lamawaka ezigidi kunye ne-Medicaid e-amb

I-Medicare inika abakhulileyo i-inshorensi yempilo kunye nabantu abathile abaneziphene. Ukhuseleko neMedicare zezona nkqubo zikhulu zentlalo-ntle yaseMelika, zinika izigidi iinzuzo zokhuseleko olubalulekileyo lomhlala phantsi komsebenzi nezonyango.

Inkqubo yabantwana yeInshorensi yezempilo (CHIP) igcwalisa isithuba esibalulekileyo ekuhlawuleni. Inkqubo yabantwana yeInshorensi Yezempilo inika inkathalo ephantsi kubantwana abaneentsapho ezingakufanelekeliyo ukufikelela kwiMedicaid, iqinisekisa ukuba abantwana bayakwazi ukufikelela kwimpilo naxa iintsapho zabo zifumana imali eninzi kakhulu ukuba zingayifanelekela iMedicaid kodwa zingakwazi ukuyithenga i-inshorensi yabucala.

Iinkqubo zoncedo lwezindlu

Iinkqubo zezindlu zinceda abantu abafumana imali ephantsi kunye neentsapho ezikhuselekile, ezinokufikeleleka, ezingundoqo ekuzinzeni nasekuphileni.

Le nkqubo ibizwa ngaphambili njengeCandelo 8, inciphisa iindleko zokuqesha izinto zabucala kwiintsapho ezifumana ingeniso ephantsi kakhulu, kunye nabantu abakhulileyo okanye abakhubazekileyo. Urhulumente uhlawula inxalenye yendleko yerente ngqo kumnini-ndlu, nabaqeshi bendlu behlawula umahluko. Abaxhasi bendlu baxhaswa ngemali ngurhulumente kodwa banikwa amasebe asekuhlaleni afumana izindlu zikawonke-wonke (PA).

Izindlu zikawonke-wonke: Le yizindlu zikarhulumente ezilungiselelwe ukufumaneka kweentsapho ezifumana imali ephantsi, abantu abadala nabantu abaneziphene. I-Rent idla ngokusekelwe kwingeniso. Izindlu zikawonke wonke zinika amaqela okuqesha anokufikeleleka kwizakhiwo zezindlu zasekuhlaleni, alawulwa nangamagosa ezindlu asekuhlaleni.

UMthetho weNdlu kunye noPhuhliso loLuntu ka-1979 wadala iCandelo lesi-8 lezindlu, ukuhlawulwa koncedo lwerente kumnini-ndlu wabucala ngenxa yezindlu ezifumana imali ephantsi. Le nkqubo incede izigidi zeentsapho ukuba zibe nezindlu ezifanelekileyo kwimimandla ezikhethelwe yona.

Uncedo lwezeMpahla: Iinkqubo ezicetyelwe ukunceda abantu neentsapho ezijamelene nobunzima bemali, ngokufuthi ngenxa yeemeko ezingabonwanga ezifana nokuphulukana nomsebenzi okanye iingozi zezonyango. Ezi nkqubo zinganika inkxaso enzima yexeshana ukukhusela ukugxothwa nokungabi nakhaya.

Uncedo lwamandla kunye noncedo lwezelo

Inkqubo yeNkxaso yeMali yeMwezo yasekhaya ehlawulwa phantsi (LIHEAP): Inika uncedo kwiintsapho ukuhlawula iindleko zazo zokufudumeza nokupholisa. Iintsapho ezifumana imali ephantsi zingafumana uncedo lwemali ukwenzela iindleko zokufudumeza nokupholisa ikhaya. Le nkqubo ibaluleke ngokukhethekileyo kubantu ababuthathaka abanje ngabantu abadala kunye neentsapho ezinabantwana abancinane, ezinceda zigcine iqondo lobushushu elikhuselekileyo emakhayeni azo unyaka wonke.

Amazwe ahlawula ngokuthe ngqo kwiintsapho ezifanelekileyo okanye kubalungiseleli bezindlu. Ababhatalayo basenokunikwa imali, ii-accers, okanye intlawulo kumaqela esithathu, njengeenkampani zezezeteksitiki okanye abarhwebi bepetroli.

Imfundo nenkxaso yononophelo lwabantwana

Iinkqubo zemfundo nezokunyamekela abantwana zinceda iintsapho zifumane ukunyanyekelwa nokufundiswa kwamathuba abantwana bazo ngoxa zixhasa amandla abazali okusebenza okanye okusukela imfundo ngokwazo.

Intloko-nkqubo inika abantwana abangaphantsi kweminyaka emihlanu ngokufunda nokuphuhliswa amathuba okubalungiselela ukuba baphumelele xa beqalisa isikolo. Intloko iQalisa ukukhuthaza ukulungiselelwa kwesikolo kwabantwana abangaphantsi kweminyaka emihlanu kwiintsapho ezifumana imali ephantsi ngemfundo, ngentlalo, nezinye iinkonzo. Olu cwangciso lunentsingiselo lungathethi nje ngeemfuno zemfundo kodwa lukwayimpilo, ukungondleki, kunye nenkxaso yentsapho.

Uncedo lwabantwana lokunyamekela iMali: Lunceda iintsapho ezifumana imali ephantsi nezibiza imali yokunyamekela abantwana. Ukunyamekela abantwana okunokufikeleleka kuyimfuneko kubazali abafuna ukusebenza okanye ukuya esikolweni, kwaye ezi nkqubo zinceda ukuqinisekisa ukuba abantwana bafumana inkathalo entle ngoxa abazali babo besukela umsebenzi okanye imfundo.

UFederal Pell Grants unika abafundi basekholeji uncedo lwemali. Kufuneka ube nentswelo enzulu yemali kwaye ube sekholejini kwidigri yokuqala (okanye bhalisa kwiinkqubo ezithile zabaphumeleleyo ezikhokelela kumfundisi-mgunyaziso). UPell unika abafundi imfundo yesekondali ukuba bafumane imali eninzi, uvule iingcango zemfundo ephakamileyo namathuba omsebenzi angcono.

Iinkonzo zoqeqesho lomsebenzi

Iinkonzo zomsebenzi zinceda abantu bahlakulele ubuchule, bafumane imisebenzi, baze baphumelele kwimpumelelo yezoqoqosho.

USongethisi umanyano lwesizwe ngokubanzi olunika uqeqesho noncedo ukuze ufumane umsebenzi omkhulu olandelayo. Fumana ulwazi malunga nemisebenzi efunwayo, funda ngemisebenzi eyahlukeneyo, kwaye fumana uncedo kuyo yonke inkqubo yokukhangela umsebenzi ukusuka ekubhaleni kwakhona ukuya kudliwano-ndlebe. Ezi nkonzo zemisebenzi ezibanzi zinceda abo bafuna umsebenzi ngalo lonke ixesha lokuphanda kwabo.

Umsebenzi Wokuqala yinkqubo enceda abazali ukuba basebenze ngokunikela uncedo ngokunyamekela abantwana, ngezithuthi, nangokusebenza impahla efanelekileyo. Ngokulungisa imiqobo esebenzisekayo yomsebenzi, ezi nkqubo zinceda abazali ukuba bangene okanye baphinde bangene emsebenzini.

Iinkonzo zabemi abachanekileyo

I-Inishorensi yoKhuseleko loLuntu (SDI): Inika inkcitho kwabo baneziphene abangenabuchule bokusebenza okanye abangakwaziyo ukusebenza. Le nkqubo inika inkxaso efunekayo kwingeniso yabo baneziphene zibathintela ekusebenzeni.

Ukhuseleko loluntu: Ibonelela ngengeniso yabakhulileyo. Ukhuseleko loluntu luyinkqubo enkulu kuqingqo-mali lwesizwe kwaye lusenza ipesenti enye yemali epheleleyo karhulumente. Le nkqubo inika izigidi zabantu abadala baseMerika ingeniso yomhlala phantsi.

I-Foster Care: Beka abantwana abangakwaziyo ukuhlala kumakhaya abo kwiintsapho zokunyamekela abasekhaya. I-Bureau yabantwana kunye neenkonzo zayo – i-Child Welfare Information Gateway kunye ne-RekioUSKIds – inikezela ngoovimba benkqubo yokunyamekela abantwana. Ezi nkqubo zikhusela abantwana zisebenza kwiindawo zokunyamekela intsapho ezisisigxina nezikhuselekileyo.

Iinkqubo zabantu abaneziphene: ISebe lezempilo neleeNkonzo zoluntu lineenkonzo ezininzi ezinceda abantu abaneziphene.

Iintsapho zomkhosi nezomkhosi ziyakwazi ukufumana iinkonzo ezininzi ezikhethekileyo. Iinkonzo ezininzi zamagqala neentsapho zomkhosi ziyazazi iimfuno ezikhethekileyo kunye nokuzincama kwabo baye bakhonza emkhosini.

Iinkonzo zoThungelwano

Umgangatho wobomi lucwangciso lwesizwe olunceda iintsapho ezifumana imali ephantsi ezineenkonzo zonxibelelwano. Kule mihla idityaniswe nehlabathi, ukufikelela kwimfonomfono kunye ne-intanethi kubalulekile ekufumaneni umsebenzi, ekufumaneni unyango, ukuhlala unxibelelane nentsapho, nokuba nenxaxheba ngokupheleleyo kwibutho labantu.

Ukuqonda Iimfuneko Zokonwaba

Ukufaneleka kweenkonzo zentlalo kunye neenkqubo zokuxhasa zikarhulumente kuyahluka-hluka kuxhomekeka kwinkqubo ethile, kodwa uninzi lwabelana ngemiqathango eqhelekileyo. Ukuqonda ezi mfuneko kunokukunceda uqonde ukuba ziziphi iinkqubo onokuzifanelekela uze ulungiselele amaxwebhu afunekayo.

Iintlobo zeenkqubo zoncedo lukawonke-wonke

Kukho iindidi ezimbini eziphambili zeenkqubo zoncedo lukawonke-wonke; iinkqubo zentlalo-ntle kunye neenkqubo ze-inshorensi zoluntu. Ukuqonda lo mahluko kunceda kucacise isizathu sokuba iinkqubo ezahlukeneyo zibe nemilinganiselo eyahlukeneyo yokungafezeki.

Iingenelo ezifunyenwe kwiinkqubo zentlalo-ntle zidla ngokusekelwe kwimiqathango ephantsi yengeniso. Ezi nkqubo zifuna ukuba abafaki-zicelo babonise intswelo yemali ngokubonisa ukuba ingeniso yabo kunye nobuncwane babo bungaphantsi kwemiqobo ethile.

Iingenelo ezifunyenwe kwiinkqubo ze-inshorensi zoluntu zidla ngokusekelwe kwiimfuno zobunewunewu ezifana nobudala, ubume bomsebenzi, okanye ukuba ligqala.

Ingeniso Nemida Yezibonelelo

Iinkqubo ezivavanywayo zimisela imida yengeniso esekelwe kwingeniso yeFederal Poverty Guidelines okanye kwingeniso yommandla wamajelo eendaba. Le mida iyahluka ngokobukhulu bendlu nendawo ekuyo, iqonda ukuba ixabiso lokuphila liyahluka kwiingingqi zemimandla.

Ngokwesiqhelo, iintsapho ezifumana ingeniso engadluli kuma-50% engeniso yogcino-lwazi kwingingqi okanye kwisixeko sazo. Ezinye izinto ziquka ubungakanani bentsapho kunye nee-asethi. Iinkqubo zingaqwalasela ingeniso ephezulu (phambi kwerhafu nerhafu) kunye nengeniso yomnatha (ngoko kuthelekelelwa ii-asethi).

Iintsapho kufuneka zibe nengeniso engadluli kuma-80% omvuzo wommandla we-media (AMI) ukwenzela iinkqubo ezininzi zezindlu, nangona ipesenti ethile ingafani ngokwenkqubo yaye maxa wambi ngokweemeko zomfaki-sicelo.

Imida yemali iqwalasela izinto ezifana nee-akhawunti zebhanki, izithuthi, kunye nempahla. Kuxhomekeka kweliphi ilizwe ohlala kulo, ungakwazi ukuba nezinto ezininzi kunemida engasentla kwaye usenako ukufikelela kwi-SNAP. Iinkqubo ezininzi azizifaki izinto ezithile kwizinto ezikhoyo, ezifana nekhaya ohlala kulo okanye kwinqwelo-mafutha enye.

Ukuba ntle Okuthe ngqo

Ukuba onke amalungu endlu yakho afumana uncedo lwexeshana lweentsapho ezifuna ingcungela (TanF), uKhuseleko oluSongezelelweyo lwemali (SSI), okanye kwezinye iindawo, intsapho yakho isenokuthathwa "ngesizathu esifanelekileyo" seSNAP kuba sele uzimisele ukufaneleka kwinkqubo yolunye uhlobo lobuchule. Le nkqubo yesicelo kwaye iyaqonda ukuba iintsapho zamkela uhlobo olunye loncedo olunokwenzeka lufaneleke kwabanye.

Uninzi lwabameli besizwe luye lwamkela i-conf esekelwe kububanzi (BBCE), evumela abameli bakarhulumente ukuba balungelelanise ingeniso kunye nemida yovimba neenkqubo zabo ze-TANF ezixhotyisiweyo. Phantsi kwe-BBBCE, iintsapho zifanelekele ngokupheleleyo i-SNAP ukuba zifanele ukufumana i-TANF okanye ugcino lomgudu (MOE) we-ocel-ocester ayilungenelwanga nzuzo yecash.

Iimfuno Zokuba Nesabelo Nezobumi

Ummandla ngamnye okanye wesizwe ngasinye uneemfuno zawo zokufumana i-TANF. Kufuneka ube ngummi welizwe apho usebenza khona. Iinkqubo ezininzi zifuna abafaki-zicelo ukuba bahlale kwilizwe okanye kummandla apho basebenzisa khona nokunika ubungqina bokuhlala.

Iimfuno zobumi nezobumi nokufuduka ziyahluka ngokwenkqubo. Ezinye iinkqubo zikhona kubo bonke abahlali kungakhathaliseki ukuba ngabahlali bavela phi, ngoxa abanye benemfuno zobumi obukhethekileyo okanye abaphambukeli abafanelekileyo. Kubalulekile ukukhangela iimfuno ezithile kwinkqubo nganye.

Iimfuno Zomsebenzi

Ezinye iinkqubo ziquka iimfuno zomsebenzi okanye ukulindela ukuba abantu abadala abakwaziyo ukuthoba bathathe inxaxheba kwimisebenzi, kuqeqesho lomsebenzi, okanye kwimisebenzi yokukhangela umsebenzi. Umthetho uqulethe iimfuno ezinamandla zokusebenza, impumelelo yokuvuza ama-United States ngokususa abamkeli boncedo kwimisebenzi efana ne-TANF.

UMthetho weBhili enkulu ka-2025 utshintsha ezinye izinto ezibangela ukuba i-SNAP ingakwazi ukutshintsha. Oku kuquka utshintsho kwiimfuno zomsebenzi we-SNAP kunye neemfuno ezingezona ezizizo. Iimfuno zomsebenzi zenzelwe ukuxhasa utshintsho olusuka kuncedo lokuzinceda, nangona iintexelo zikhona kubantu abadala, abakhubazekileyo, abanyamekela abantwana abancinane, okanye abangakwazi ukusebenza ngenxa yezinye izizathu ezifanelekileyo.

Ukubonakalisa Ubuchule Obukhethekileyo

Abafaki-zicelo abathe ngqo baquka iintsapho ezisebenzayo, abantu abakhulileyo abaneminyaka engama-62 okanye ngaphezulu, nabantu abaneziphene. La maqela asenokufumana indawo yokuqala kwinkqubo yokufaka isicelo kwiinkqubo ezithile, eqonda ukuba ayakwazi ukumelana neemfuno zawo.

UMthetho we-Gradient Inflations Nxulumano (SCA) unceda abaxhamli bogonyamelo lwasekhaya, ukurhwebelana kwabantu, kunye nolwaphulo-mthetho olunxulumene nalo lufumana intlawulo ecutshiweyo, i-Internet, okanye iinkonzo ezidityanisiweyo. Ukuba osindayo usukela isicelo sokwahlukana kwemigca, i-SCA ifuna abanikezeli beselula ukwahlula iintambo zomnxeba ezinxulumene neengcinga zentsapho apho umxhaphazi akwingxelo. Le ndlela ikhethekileyo yokuziqhelanisa ibonelanisa iimfuno ezikhethekileyo zabasindileyo ababaleka kwiimeko eziyingozi.

Indlela Yokufumana Iinkonzo zezentlalo neNkxaso kaRhulumente

Ukufumana iinkonzo zentlalo kufuna ukuqonda apho ungasebenzisa khona, ukuba luluphi uxwebhu oluza kulufuna, nendlela yokusebenzisa inkqubo yesicelo. Ngelixesha inkqubo ingathi iyasongamela, oovimba abaninzi bakhona ukukunceda ukudlula kwinyathelo ngalinye.

Ukufumana Iinkqubo Ezifumanekayo

Sebenzisa isixhobo esiluncedo sokufumana ukufunda ukuba ziziphi iingenelo wena nentsapho yakho eningazifanele. Sebenzisa isixhobo esiluncedo sokufumana okanye ukukhangela ngohlobo ukuze wazi ukuba ziziphi iinzuzo wena nentsapho yakho ezinokuba zikufanelekele. Qonda indlela yokusebenzisa oko ukufaneleyo. Inzuzo karhulumente ekwi USUSA.

Xhathanisela umbutho wakho wenkonzo yentlalo-ntle yorhulumente ukuze ufumane ulwazi malunga neenkqubo zelizwe nezinye. Amasebe ahlukeneyo karhulumente kurhulumente, kurhulumente, nakumgangatho wasekuhlaleni anika iinkonzo kumaqela abantu awahlukeneyo. Urhulumente kunye neenkqubo zobulali zinganika uncedo olongezelelekileyo ngaphandle kweenkqubo zorhulumente, ngoko ke kufanelekile ukwenza uphando ngoko kukhoyo kwindawo yakho.

ISebe leeNkonzo zoNyaka nezezempilo (DSSS) liqhuba iinkqubo ezininzi zoncedo zephondo laseWashington. Funda okungakumbi ngendlela onokufanelekela ngayo iinkqubo ezithile kwaye ufake isicelo seenkonzo kwi-intanethi okanye kwenye yee-ofisi zeeNkonzo zoLuntu ezikhoyo kulo lonke elo lizwe. Amaphondo amaninzi anemibutho efanayo elungelelanisa iinkonzo zoluntu.

Iqokelela Uxwebhu Olufunekayo

Phambi kokuba ucebise iinkonzo zentlalo, qokelela amaxwebhu ofuna ukuwaqinisekisa ukuba ungubani, uhlala phi, umvuzo, kunye nokuqulunqwa kwasekhaya. Amaxwebhu aqhelekileyo aquka:

  • Uchazo lwefoto yorhulumente (iphepha-mvume lomlambo, i-ID karhulumente,
  • Amakhadi oKhuseleko lwaManyano kuwo onke amalungu endlu
  • Ubungqina bemali yokuhlala (iindleko zokuhlawula, isivumelwano sokuqesha,
  • Uqinisekiso lwengeniso (izipho, iimbuyiselo zerhafu, iingxelo eziyingenelo, iingxelo zokuziqesha)
  • Ingxelo zebhanki nenkcazelo yezinye izinto
  • Iziqinisekiso Zokuzalwa zabantwana
  • Uxwebhu loku-Rhulumente
  • Uxwebhu lwamayeza lweenkqubo ezinxulumene nokukhubazeka
  • Ubungqina beendleko ezifana neendleko zokunyamekela abantwana, iindleko zezonyango, okanye iindleko zezindlu

Amaxwebhu achaziweyo afunwayo ahlukene ngokwenkqubo, ngoko khangela nenkqubo enika inkqubo ukuqinisekisa ukuba unento yonke efunekayo. Ukuba namaxwebhu acwangcisiweyo nalungisiweyo kungakhawuleza ngokuphawulekayo inkqubo yesicelo.

Igqibezela Inkqubo Yesicelo

Ukufumana i-SNAP inzuzo, kufuneka usebenzise kwingingqi ohlala kuyo ngoku kwaye kufuneka ufikelele iimfuno ezithile, kuquka ingeniso novimba. Iinkqubo ezininzi zifuna ukuba usebenzise kwimo yakho yokuhlala ngemijelo emiselweyo.

Uyakwazi ukusebenzisa i-intanethi, iposi okanye ngoncedo lwenkampani yakho yemfonomfono okanye yeIntanethi kwiinkqubo ezininzi. Iinkqubo zekhompyutha zixhaphakile kwaye zinokuba luncedo ngakumbi, zikuvumela ukuba usebenzise nangaliphi na ixesha kwaye zisoloko zigcina inkqubela yakho ukuba ufuna ukuqokelela ulwazi olongezelelekileyo.

Ukuba ufuna itoliki okanye uncedo lokuzalisa isicelo, ungafumana uncedo kuzo zonke ii-ofisi zethu. Musa ukuthandabuza ukucela uncedo ukuba uyalufuna. Amasebe amaninzi anabasebenzi abanokuncedisa kwizicelo, kwaye imibutho yasekuhlaleni isoloko inikela uncedo lwesicelo.

Xa ugqiba izicelo, yenza ngokucokisekileyo kwaye nyanisile. Nika ulwazi olupheleleyo kwaye phendula yonke imibuzo ngokunyanisekileyo. Izicelo ezingaphelelanga okanye ulwazi olungachananga lungalibazisa uqhubekeko okanye luphumele ekulanduleni ungenelo.

Udliwano - ndlebe Neziphakamiso

Iinkqubo ezininzi zifuna udliwano-ndlebe njengenxalenye yenkqubo yokufaka isicelo. Oku kusenokuqhutywa ngokobuqu, ngemfonomfono, okanye ngokukhula ngakumbi ngevidiyo. Udliwano-ndlebe luvumela abasebenzi ukuba baqinisekise inkcazelo, babuze imibuzo ecacisayo, baze baqinisekise ukuba bayiqonde ngokupheleleyo imeko yakho.

Lungiselela udliwano-ndlebe ngokuhlola isicelo sakho, ukuba nexwebhu lakho lifumaneke lula, kwaye ukulungele ukuxubusha iimeko zendlu yakho, ingeniso, iindleko neemfuno. Yiba ngonyanisekileyo kwaye ufikelwe ngu-(oocessecss beze kukunceda ufumanise uncedo olufanelekeleyo.)

Ukulandela kwiNkqubo

Emva kokungenisa isicelo sakho, gcina ulandelela nawaphi na amanani abhekisayo okanye ulwazi lokuqinisekisa. Iinkqubo ezininzi zineefomati zexesha ezithile apho kufuneka ziqhube izicelo zesicelo kwaye zazise ngesigqibo sazo.

Ukuba awuva emva kwisakhelo sexesha esilindelekileyo, landela phezulu nesi sixhobo. Gcina iingxelo zonxibelelwano, kuquka imihla, amagama abantu othetha nabo, kwaye oko kuxoxwe nabo. La maxwebhu anokuba luncedo ukuba kukho nayiphi na ingxaki ephakamayo.

Ukuba ufanelekile, uncedo lungangabikho ngoko nangoko; ngenxa yemfuno, kuqhelekile ukuchitha ixesha elithile kuluhlu lokulinda ezinye iinkqubo, ingakumbi uncedo lwezindlu. Ukuqonda ukuba ezinye iinkqubo zidweliswe zilindele uluhlu lungakunceda ucebe ngokufanelekileyo kwaye uqwalasele ukucela iindlela ezininzi zoncedo ukuba ufanelekile.

Uncedo Lwengozi

Ukuba ufuna uncedo ngokukhawuleza kangangoko kunokwenzeka, kukho iinkqubo ezinokunikela uncedo ngokukhawuleza. Ii-thermom ezidibanisa iimeko ezifana nokugxothwa, ukungabi namakhaya, i-oyile evaliweyo, akukho kutya, okanye ungxamiseko lwamayeza. Imimandla emininzi icwangcise iinkqubo zokulungisa iimeko zongxamiseko.

Ukuba ujongene nengxaki ekhawulezileyo, qhagamshelana neofisi yenkonzo yoluntu yasekuhlaleni kwaye uchaze imeko yongxamiseko. Uncedo lokutya olungxamisekileyo, iinkonzo zokufihla intloko, kunye neenkqubo zoncedo lobungozi zinika uncedo olufanayo okanye olulandelayo.

Ukuqonda Amalungelo Akho

Ukuba awuvumelani nesigqibo kwityala lakho, ungacela ukuchotshelwa ityala ngokufanelekileyo negosa elifunwa ngumthetho ukuba lihlole izibakala zetyala lakho ngendlela elungileyo nenenjongo. Kufuneka ucele ukuchotshelwa kakuhle ngeentsuku ezingama-90 kumhla i-SNAP yakho esekuhlaleni ewenzileyo isigqibo kwityala lakho ongavumelaniyo nalo. Ungacela ukuchotshelwa kakuhle ngefowuni, ngokubhala, okanye ngomntu kwiofisi yeSNAP yasekuhlaleni.

Iinkqubo ezininzi zinesibheno ukuba isicelo sakho asivunywanga okanye ukuba awuvumelani nomlinganiselo weengenelo ozifumanayo. Musa ukuthandabuza ukusebenzisa la malungelo ukuba ukholelwa ukuba isigqibo senziwe ngempazamo. Nangona ukuva kakuhle kungenakuyitshintsha imithetho okanye imimiselo elawula i-SNAP, iyakwazi ukuqinisekisa ukuba izigqibo kwityala lakho zenziwe ngokuchanekileyo.

Ukulondoloza Iingenelo Nesiqinisekiso

Xa uvunyiwe ukuba ufumane uncedo, ukuqonda indlela yokuzigcina nokuzithobela kwimfuno eziqhubekayo kubalulekile ukuphepha ukuphazanyiswa kuncedo.

Iintlawulo

Iinkqubo ezininzi zifuna ukuba uxele utshintsho kwiimeko zakho olunokuchaphazela ubusela okanye umlinganiselo oyingenelo. Iinguqu eziqhelekileyo ezimele ziqukwe ziquke:

  • Iinguqu kumvuzo okanye kumsebenzi
  • Utshintsho kuqalo lwendlu (umntu ofudukela okanye aphume)
  • Iinguqu kulwazi lwedilesi okanye loqhagamshelana naye
  • Iinguqu kwimpahla okanye kwizinto
  • Iinguqu kwiindleko ezifana nokunyamekela abantwana okanye iindleko zezonyango
  • Ezinye iingenelo ozifumanayo

Iinkqubo ezichaza ixesha elifanelekileyo lokunika ingxelo yotshintsho, ngokufuthi kungekapheli iintsuku ezilishumi emva kotshintsho olwenzekayo. Ukusilela ukuxela iinguqu kusenokuphumela ekuhlawuleni imali egqithisileyo ekunokufuneka uyihlawule, okanye ekupheliseni iingenelo.

Ukuqinisekisa nokuphinda uvuselelwe

Iingenelo azinasiphelo kwaye zifuna ukuphinda ziqinisekiso okanye ukuvuselelwa. Ubuninzi butshintsha-tshintsha ngodweliso lwenkqubo.

Ubuchule bakho bokulungisa bunganyuswa. Funda okuninzi ngendlela yokuhlaziya. Imisebenzi ithumela isaziso sokuhlaziya isakhiwo phambi kokuba inzuzo yakho iphele, kodwa nguxanduva lwakho ukugqiba inkqubo yokuhlaziya ngexesha.

Inkqubo yokuphinda ivuselelwe ifuna uxwebhu oluhlaziyiweyo lwengeniso, ukwenziwa kwendlu, kunye nezinye izinto ezibangela ukuvuselelwa. Tsintsha ngenkathalo nengqalelo efanayo njengezicelo zokuqala, ukuqokelela uxwebhu lwangoku nokunikezela yonke into ngexesha ukunqanda izithuba kwiingenelo.

Ukusebenzisana neemfuno zenkqubo

Ezinye iinkqubo zineemfuno eziqhubekayo ngaphandle kwemali ehlawulwayo. Ezi zisenokuquka:

  • Inxaxheba kwimisebenzi yomsebenzi okanye ukukhangela umsebenzi kwiinkqubo ezinxulumene nomsebenzi
  • Ukuya kumadinga nabasebenzi
  • Ukusebenzisana nabasebenzi benkxaso
  • Ukuqeqesha abantwana esikolweni baze bafumane unyango olufunekayo
  • Ukuthatha inxaxheba kunyango lokusetyenziswa kakubi kweziyobisi okanye ezinye iinkonzo ukuba ziyimfuneko

Ukuqonda nokuthobela ezi mfuneko kubalulekile ukuze ugcine iinzuzo zakho. Ukuba uxakeke ziimfuno zokudibana, nxibelelana nomcebisi wakho.

Indima yemibutho engazifanelanga kwiinkonzo zentlalo

Nangona iinkqubo zikarhulumente zimisela isiseko seenkonzo zoluntu, imibutho engafumani ngeniso inegalelo elibalulekileyo ekuxhaseni abantu neentsapho ezisweleyo.

Ngenxa yesisa nemfesane yamaMerika amaninzi, kuye kwakhiwa amawaka emibutho engafumani ngeniso enceda abo basweleyo. Le mibutho isoloko inikela iinkonzo ezizalisa iikhefu kwiinkqubo zikarhulumente okanye ezinikela uncedo olubhetyebhetye ngakumbi, olungeyomfuneko.

Imibutho emikhulu yesizwe engezizo izibonelelo

Ikhaya loluntu lizisa abo badinga ikhaya kunye namatsha - ntliziyo ukuba bakhe ikhaya baze bafumane imali ehlawulekayo yokuboleka imali yendlu. Kwakhona baneenkqubo zokuvuselela imimandla ehlala kuyo, zokunceda abantu abadala, nokuxhasa imithetho ekhuthaza ukufumaneka kwezindlu. Le ntlangano ilungisa imfuno yezindlu ngomzekelo okhethekileyo odibanisa umsebenzi wokuzithandela, izinto zokuzithandela, kunye nemali ethe kratya.

Iza kulungiselela iinkqubo zokunceda abantu bafunde ubuchule ababufunayo ukuze baqalise umsebenzi, ingakumbi abo banemiqobo ephazamisayo kumathuba omsebenzi.

IBoys & Girls Clubs of America inika abantwana izithuba ezikhuselekileyo ukuba bafunde, bahlole amathuba, kwaye basebenze nabacebisi. Ezi nkqubo zinika imisebenzi yasemva kwesikolo nasehlotyeni exhasa ukukhula kwabantwana kwaye zibonelele ngemeko-bume ekhuselekileyo, ejongene nokusebenza kwabazali.

Imibutho yoLuntu yasekuhlaleni

Amawaka emibutho akwasebenza ukunceda abantu basekuhlaleni. Phantse kwingingqi nganye, uza kufumana imibutho enceda iimfuno ezahlukahlukeneyo, kuquka ukunyamekela impilo, ukunyamekela abantwana, uncedo lokutya, kunye nezinto zokuxhasa abangenamakhaya. Iintlangano zongingqi zisoloko zinolwazi olunzulu ngengingqi yazo kwaye zinokunikela uncedo olufanelekileyo, olungokobuqu.

Le mibutho isoloko ixhaswa ngamashishini, iminikelo ngaminye, namatsha - ntliziyo amaninzi asebenza ngokungakhathali nangazingci ekuncedeni abanye. Imibutho yabasebenzi abanobuchule isebenzela ukucombulula iingxaki zezentlalo nokukhuthaza iinkqubo ezixhasa abantu ababuthathaka.

Iibhanki zokutya zasekuhlaleni, iindawo zokuhlala ezingenamakhaya, imibutho yoncedo olusemthethweni, amakliniki ezempilo, namasebe enkonzo entsapho anikela iinkonzo ezibalulekileyo ezixhasa iinkqubo zikarhulumente. Abaninzi banikela uncedo ngaphandle kwemiqathango engenakuthelekiswa naleyo njengeenkqubo zikarhulumente, benikela uncedo kuye nabani na osweleyo kungakhathaliseki ukuba uvela phi okanye ezinye izinto ezinokusikel ’ umda ukuze kungenelwe uwonke wonke.

Imibutho Esekelwe Kukholo

IiCawa, izindlu zesikhungu, iinkonzo zecawa, neminye imibutho esekelwe kukholo idla ngokusebenzisa izitya zokutya, iimpahla zokunxiba, iinkqubo zoncedo lwemali nolunye uncedo. Le mibutho isoloko inceda nabani na osweleyo kungakhathaliseki ukuba ungowaluphi unqulo kwaye inokuba luncedo, ingakumbi kuncedo longxamiseko.

Ukoyisa Izithintelo Zokufikelela Iinkonzo

Nangona kukho iinkonzo zezentlalo, abantu abaninzi neentsapho ezifanelekileyo abalufumani uncedo abalufunayo. Ukuqonda nokulungisa imiqobo eqhelekileyo kunceda abantu abangakumbi bafumane uncedo abalufanelekeleyo.

Ukungaqwalaseli

Abantu abaninzi abazi ukuba ziziphi iinkqubo ezikhoyo okanye bangazifanelanga. Le nkqubo yentlalo-ntle yovavanyo iquka iinkqubo zemali ezifumana imali ephantsi ezingama-80+ ii-asethi ezinika imali, ukutya, izindlu, ukunyanyekelwa kwempilo, kunye neenkonzo zentlalo kuMaMerika ahlwempuzekileyo nafumana ingeniso ephantsi. Xa kukho iinkqubo ezininzi kangaka, kunokuba nzima ukwazi ukuba yintoni ekhoyo kwaye yintoni ongayifanelekela.

Ukusebenzisa inkxaso-mali efunyenweyo, ukuqhagamshelana namaqumrhu entlalo, nokuzabalazela ukwenza ukunceda imibutho yoluntu ukuba ufumane iinkqubo ezikhoyo. Musa ukucinga ukuba awuzukufaneleka (_imida engamkelekiyo) isoloko iphezulu kunokuba abantu belindele, kwaye ungamangaliswa yindlela efumanekayo ngayo.

Ukuqhatha Nekratshi

Abanye abantu baziva beneentloni okanye beneentloni ukufuna uncedo, belujonga njengolwesilelayo. Kubalulekile ukukhumbula ukuba iinkonzo zoluntu zikho kanye ngenxa yokuba wonke umntu ujamelana neengxaki ngamanye amaxesha. Ezi nkqubo zibonisa ukuzimisela kwabantu bonke ukuxhasana.

Izigidi zabantu baseMerika zisebenzisa iinkonzo zokunceda abantu, kuquka iintsapho ezisebenzayo, abantu abakhulileyo, abantu abaneziphene nabantu abajongene neziphazamiso zokwexeshana. Ukufumana uncedo xa ufuna olo lukhetho olunzulu olunokuthi luthintele iingxaki ezincinane ekubeni zibe ziingxaki.

Iinkqubo zesicelo ezintsokothileyo

Inkqubo yenkqubo inokuba nzima, ifuna uxwebhu olude namanyathelo amaninzi. Le ntsonkothe ingamangalisa, ingakumbi kubantu abasebenzisa izicinezelo ezininzi.

Iinkonzo zoluntu ezininzi, imibutho emininzi yoncedo olusemthethweni, kunye namaqumrhu oluntu anikela uncedo. Zimbi iinkqubo zikwafuna ukusetyenziswa kwabemi abathile okanye iimeko zongxamiseko.

Iingxaki Zolwimi Nezokufunda

Kubantu abanobuchule obulinganiselweyo okanye abaneengxaki zesiNgesi, ukuqhuba inqwelo-moya kunokuba nzima. Kufuneka ukuba abameli abaninzi banikele uncedo lolwimi, kuquka abatoliki nezinto eziguqulelweyo. Musa ukuvumela imiqobo yolwimi ikuthintele ekufuneni uncedo.

Izinto zokuhamba nezifikelelo

Ukuya kwiiofisi zoluntu kunokuba lucelomngeni kubantu abangenazo izinto zokuhamba ezinokuthenjwa, abo bahlala emaphandleni, okanye abantu abaneziphene.

Ukuba kufuneka utyelele iofisi kodwa uswele isithuthi, buza ngeenkqubo zoncedo lwezithuthi, okanye uqhagamshelane nentlangano yasekuhlaleni esenokulungiselela ukukhwela iinqwelo - moya.

Uloyiko Nokungathembani

Bambi abantu banoloyiko lokuba ukufuna uncedo kuya kuba nemiphumo emibi, enjengokuchaphazela ukufuduka, nto leyo ebangela ukususwa kwabantwana, okanye ukuvela kwezinye iingxaki. Ngoxa olu loyiko luqondakala, ngokufuthi luthintela abantu ukuba bafumane uncedo abalufunayo yaye lunelungelo elisemthethweni lokufumana.

Ukuqonda amalungelo akho, ukufuna uncedo kwimibutho ethembekileyo okanye kumaqumrhu oncedo olusemthethweni, nokufumana inkcazelo echanileyo ngeenkqubo kunganceda ekucombululeni ezi nkxalabo. Iinkqubo ezininzi zinezikhuseli endaweni yazo ukuqinisekisa ukuba ukufuna uncedo akuphumeleli kwiziphumo ezibi zokufuduka okanye ezinye iziphumo ezoyikwayo.

Ukubaluleka Kolwalamano Lwabantu Abasebenza Entlalweni

Ulwalamano phakathi kwababoneleli bentlalo nabantu ababakhonzayo luneziphumo eziphawulekayo kunye nokuphumelela kweenkqubo zoncedo.

Abathathi-nxaxheba ababika ukuba abangquzulwani bancinane nomsebenzi oqeshiweyo wasebenzisa iinkonzo ezingakumbi kwaye bachitha iintsuku ezimbalwa entolongweni. Uhlolisiso lubonisa ukubaluleka komanyano olucingelwayo olukusetyenziso lwabathathi-nxaxheba, nongquzulwano olungacingwanga kangako olubangelwa kukwanda kosetyenziso lwenkonzo kunye nokuhla kwexesha lentolongo esebenzayo. Olu phando lubonisa ukuba ulwalamano oluhle phakathi kwabaxhasi kunye nabanikezeli benkonzo lukhokelela kwiziphumo ezingcono.

Xa umncedi woluntu ebonisa ukuba uyabahlonela abantu ngezenzo zakhe, ulwalamano lwabo luyakhula. Abo bathelekisa imigaqo-nkqubo abaziva behlonelwa ngumsebenzi wabo wokunceda abantu badla ngokuncokola ngokukhululekileyo ngemibandela enzima, bahlole iminikelo yabo baze bazimisele ukuze bafumane iziphumo ezithile. Ukuhlonelana kuya kuvelisa isiseko sokunceda ulwalamano olufanelekileyo.

Uluvo lomxhasi ngomgangatho womnikezi wabo wolwaneliseko lwayayanyaniswa kakhulu nobuchule babo bokuphumeza iziphumo ezithile ekupheleni kwenkqubo yabo. Xa abantu beziva bexabisekile kwaye behlonelwa, banokubandakanyeka ngokupheleleyo kwiinkonzo baze bafumane iziphumo ezintle.

Ukuba umenzi wakho wetyala akakuphathi ngendlela efanelekileyo, unokucela omnye umqeshwa okanye uthethe nomphathi. Ukwakha ulwalamano oluhle lomsebenzi nomgcini-tyala wakho kunokwenza inkqubo yokufumana uncedo lusebenze ngakumbi kwaye lungabi dandatheko.

Ukuqwalaselwa Ngokukhethekileyo Kwabemi Abahlukahlukeneyo

Iintsapho Ezinabantwana

Iintsapho ezinabantwana zisoloko zifumana iinkonzo ezininzi, njengoko iinkqubo ezininzi zijolise iimfuno zabantwana. Ungafumana uBomi ukuba umntwana wakho okanye inkxaso yakhe ithatha inxaxheba kuzo naziphi na iinkqubo ezidweliswe ngasentla, zibonisa indlela ukuba nenxaxheba kwabantwana kwiinkqubo okunokuthi kwandise ngayo iingenelo kwindlu yonke.

Abazali nabaphathi bangafumana uncedo lwemali lokunyamekela abantwana, i-inshorensi yempilo ephantsi okanye yamahhala kubantwana abakwi-Apple Health, kunye neenkqubo zemfundo yabantwana abangekangeni. Ezi nkqubo ziyaqonda ukuba ukuxhasa inkqubela-phambili yabantwana akuncedisi nje iintsapho ezisempilweni kodwa ibutho labantu njengelinye.

Abantu Abakhulileyo Nabalupheleyo

Abantu abadala bayakwazi ukufumana iinkqubo ezilungiselelwe ngokukhethekileyo iimfuno zabo, kuquka iingenelo zokhuseleko loluntu, iMedicare kunye neenkqubo ezincedayo kwiindleko zamayeza agunyazisiweyo, utshintsho lwasekhaya nezinye iimfuno ezinxulumene nobudala.

Abantu abadala abangama-65 nangaphezulu, abaziimfama, okanye abakhubazekileyo bangafumana uncedo ngeemali zeMedicara kunye neendleko zezonyango. Iinkqubo ezifana neMigangatho yeMedicare Saves zinceda abaphezulu abafumana imali ephantsi yokuhlawula iindleko zezonyango kunye neendleko zemali ze-Medicasi.

Abantu Abaneziphene

Abantu abaneziphene banokufanelekela iinkqubo ezikhethekileyo kuquka iInshorensi Yokhuseleko Loluntu (SDI), iSomertal Security Infication (SSI), iMedicaid, iinkonzo zokubuyisela imisebenzi yempangelo, neenkqubo ezinikela ubugcisa bokunceda, utshintsho lwamakhaya noncedo lobuqu lokunyamekela abantu.

Iinkqubo ezinxulumene nokungafezeki zisoloko zinemilinganiselo eyahlukeneyo yokusebenza kunezinye iinkqubo, igxininisa kwiimfuno ezisebenzayo kunokuba ifumane ingeniso. Uxwebhu lwemilwelwe lusoloko lufuneka.

Abahambi Ngezilwanyana Neentsapho Zasemkhosini

Abasebenzi be-Veterans neentsapho zabo bayakwazi ukufumana iingenelo ngeSebe leMicimbi yeNkcubeko yoNtlalo-ntle ukongezelela kwiinkqubo eziqhelekileyo zoncedo lwentlalo-ntle. Ezi ziquka ukunyanyekelwa kwempilo, intlawulo yesiphene, iingenelo zemfundo, iimali-mali ezibolekisiweyo zasekhaya, nezinye iinkonzo ezikhethekileyo ezigqala inkonzo yasemkhosini.

Uphando oluninzi lufikelele kwisigqibo sokuba malunga nama-70% amagqala angaphezulu kwama-70 angakhuselekanga ekutyeni kodwa angasebenzisi iinkqubo zoncedo zikarhulumente. Eli nani libala libalaselisa ukuba amagqala amaninzi anokungenelwa kwiinkqubo zoncedo akangeni kuwo, agxininisa ukubaluleka kokufikelela nokuqonda.

Abafuduki Neimbacu

Ukufaneleka kweenkonzo zentlalo kuyahluka-hluka ngenxa yemo yokufuduka. Ngoxa ezinye iinkqubo zikhona kungakhathaliseki ukuba ngabahlali, ezinye zinabo ubumi obukhethekileyo okanye iimfuno zomntu ovela kwelinye ilizwe.

Kubalulekile ukuqonda imithetho ecacileyo yenkqubo nganye nokufuna ukhokelo kwiingcaphephe ezisebenza ngokufuduka okanye kwimibutho yeenkonzo zeembacu ukuba unemibuzo malunga nokufuna uncedo kungachaphazela imeko yokufuduka.

Ikamva Leenkonzo Zoluntu

Ngelishwa, zombini ezo nkqubo zibalulekileyo zikwindlela engalawulekiyo ngenxa yokwaluphala kwabemi belizwe kunye namaxabiso anyukayo okunyamekela impilo. Ngaphandle kokuba abamisi-mthetho bayenze utshintsho, zombini i-Indadensi yoKhuseleko yeNtlalo-ntle yaBantu kunye ne-Indadensi (OASI) Imali yokuThembela kunye nemali ye-Indawer yeSibhedlele (HI) INgxokelelwano yemali iza kuphelelwa kwiminyaka ezayo. Le mingeni-mali ithetha ukuba iinkqubo zenkonzo yentlalo-ntle zinokujamelana neenguqu kwiminyaka ezayo.

Ukuqonda ukuba iinkqubo zinokuvela ngendaleko kwenza kubeluleka ngakumbi ukufikelela kuncedo olukhoyo xa ufuna uncedo nokuhlala wazi ngeenguqu kwiinkqubo oxhomekeke kuzo. Ubuchule bokugcina nobomeleza iinkonzo zentlalo bubalulekile kwaye bubalulekile. "ukudibana nabameli abanyuliweyo kunye nemibutho exhasa iinkqubo zentlalo enceda ukuqinisekisa ukuba ezi nkonzo zibalulekile ziyaqhubeka zifumaneka.

Ubuxhakaxhaka kunye nokuthunyelwa kweenkonzo

Ubugcisa buya butshintsha indlela ezinikezelwa ngayo iinkonzo zentlalo, ngokusetyenziswa kwekhompyutha, ngokubonelela ngelinye ixesha, kunye nokuhanjiswa kwamanani. Ngoxa ezi nguqu zinokuphucula ukufikelela kwabanye abantu, kubalulekile ukuqinisekisa ukuba ubugcisa abubenzi imiqobo emitsha kwabo bangangeni kwi-intanethi okanye bengafundi ukufikelela.

Iinkqubo ezininzi zisebenza ukulungelelanisa ubugcisa obutsha nokugcina iindlela zokuhambisa iinkonzo zesithethe ukuqinisekisa ukuba bonke abantu banokufumana uncedo olufunekayo.

Ukuthunyelwa kwenkonzo eHlanganisiweyo

Kukho ulwamkeleko olukhulayo lokuba abantu basoloko befuna iindidi ezininzi zoncedo kwaye ukuphatha iinkonzo kungaphucula iziphumo. Imodeli zenkonzo ezidibanise abantu kuzo zonke iinkqubo ezibafaneleyo, kunokuba bafune izicelo ezohlukeneyo, ziya zixhaphaka kakhulu.

Ezi ndlela ziyaqonda ukuba ukusingatha iimfuno ezininzi ngexesha elinye — njengokufumana indawo yokuhlala, umsebenzi, ukunyamekela impilo, nokunyamekela abantwana⁠ kuluncedo ngakumbi kunokusingatha imfuneko nganye xa uwedwa.

Ongezelelweyo Noncedo

Zininzi izinto ezikhoyo ezinokukunceda usebenzise iinkonzo zoluntu nokufumana uncedo olufunayo:

  • USA.gov Inzuzo Ukufumana: Isixhobo esibanzi sokuchonga iingenelo zikarhulumente onokuba uzifanele http://www.usa.gov/benefit-finit-finger
  • Isizwe kunye nenkonzo yezentlalo yobulali Iinjongo: Xhumana neSebe leSebe lezeNtlalo-ntle yelizwe lakho okanye umbutho olinganayo wolwazi malunga neenkqubo zikarhulumente kunye neengingqi
  • Ilayini yoncedo: IDial 211 ukusuka nakweyiphi na ifowuni ukudibanisa noovimba bobulali kunye neenkqubo zoncedo kuluntu lwakho
  • [[UMTL:0] Isenzo se-commonity Acommotion: Imibutho yasekuhlaleni enikezela ngeenkonzo ezahlukeneyo kwaye enokukunceda unxulumane noovimba
  • [[UMTL:0] Intlangano zoncedo ezisemthethweni[[FT:1]: uncedo lwasemthethweni olukhululekileyo kubantu abafumana imali ephantsi, kuquka uncedo ngezicelo zenzuzo nezibheno
  • [[UMTHL:0] Area Amaziko okuLuphayo: Iibonelelo noncedo ngokukodwa kubantu abadala kunye nabanyamekela abo balupheleyo
  • Intlangano yamalungelo obuchule: Ukukhuthala noncedo kubantu abaneziphene
  • Intlangano yeeNkonzo zabafuduki nezobaleki: uncedo olukhethekileyo kubemi basemzini kunye neembacu ezihamba ngeenkonzo zoluntu

Ukujongana noncedo. Iingcali zezentlalo, imibutho yoluntu, kunye namaqela oluntu anceda abantu bafumane uncedo abalufunayo. Ukucela uncedo kuluphawu lobugorha noxanduva, kungekhona ubuthathaka.

Isiphelo

Iinkonzo zentlalo kunye neenkqubo zenkxaso zikarhulumente zimela ukuzimisela kwebutho labantu ukuqinisekisa ukuba bonke abantu neentsapho bayakwazi ukufumana iimfuno ezisisiseko namathuba obomi obungcono. Ukusuka ekutyeni naseluxhaseni lwezindlu ukuya kunyango, imfundo, iinkonzo zengqesho, kunye nenkxaso yemali, ezi nkqubo zinika ukhuseleko oluphangaleleyo kwabo bajongene neengxaki.

Ukuqonda iinkqubo ezikhoyo, indlela yokubona ukuba kufanelekile, nendlela yokufikelela kwinkonzo inokwenza umahluko omkhulu kubomi bakho nakubomi bamalungu entsapho yakho. Ngoxa iinkonzo zezentlalo zinokuziva zinzima kakhulu, kukho oovimba abaninzi abanokukunceda kule nkqubo.

Khumbula ukuba ezi nkqubo zikho kuba ibutho liqonda ukuba wonke umntu ujamelana nobunzima ngamanye amaxesha kwaye unika inkxaso ingenelo kungekuphela nje kumntu ngamnye kodwa kuluntu lonke. Ukuba uzama, zabalazela ukufumana uncedo. Iinkqubo ezikhoyo zophando, qokelela amaxwebhu afunekayo, izicelo ezipheleleyo, kwaye ungathandabuzi ukucela uncedo endleleni.

Iinkonzo zentlalo zingakunika inkxaso oyifunayo ukuze ukwazi ukutyhubela amaxesha anzima, ufikelele uzinzo olungakumbi, kwaye wakhe isiseko sempumelelo yexesha elide. Ngokuqonda nangokufikelela kwezi zixhobo, uthatha inyathelo elibalulekileyo ekuphuculeni impilo yakho kwaye wenzele wena nentsapho yakho ikamva elingcono.