Ukuqonda Iinkqubo zikaRhulumente: Ukhokelo loMqali

Iinkqubo zikarhulumente zibalulekile ezisungulwa ngurhulumente, urhulumente, kunye namagunya asekuhlaleni ukulungiselela iinkonzo, inkxaso, kunye nobuncwane kubemi kulo lonke elaseUnited States. Ezi nkqubo zithetha ngeengxaki ezininzi zentlalo, zezoqoqosho, zemekobume, kunye nezempilo ezinxulumene neengxaki ezichaphazela izigidi zabantu baseMerika suku ngalunye. Ukuqonda indlela iinkqubo zikarhulumente ezisebenza ngayo, iindidi zoncedo ezikhoyo, nendlela yokufumana ezi ngenelo zingabuphucula ngayo ubomi bakho kwaye zikuncede uhambele kwiimeko ezinzima. Olu khokelo luchaza kakuhle izinto eziyimfuneko kuwenziwa kuwe yonke into oza kuchaphazela ngayo iinkqubo zikarhulumente, ukusuka kwiziseko ukuya kulwazi oluzinzileyo oluphatheleleyo malunga noncedo olungqalileyo.

Ziyintoni Iinkqubo Zikarhulumente?

Iinkqubo zikarhulumente zilungelelaniswe ngeenkonzo neengenelo ezixhaswa ngemali ehlawulwa zii-dola zerhafu kwaye zisetyenziswa ngamasebe ahlukeneyo karhulumente kurhulumente, kwimigangatho karhulumente, kunye nakummandla wasekuhlaleni. Ezi nkqubo zisebenza ngeenjongo ezininzi, kuquka ukunikela uncedo lwemali kwabo basweleyo, ukuqinisekisa ukufikelela kwimpilo, ukuxhasa imfundo, ukukhusela abantu ababuthathaka, nokukhuthaza ukuzinza kwezoqoqosho. Injongo ephambili yezi zindululo kukuyila abemi ii-netha zokhuseleko ngexesha locelomngeni nokukhuthaza intlalo-ntle yabemi ngokubanzi.

Iinkqubo zikarhulumente zinokuba zezinyanzelisayo okanye ezilawulayo. Iinkqubo zokwalatha, ezikwabizwa ngokuba ziinkqubo ezinconyelweyo, zifunwa ngumthetho kwaye ziquka uKhuseleko lweNtlalo-ntle, iMedicare, kunye neMedicaid. Iinkqubo zobulumko zifuna ukuba kuchazwe imigaqo-nkqubo yonyaka evela kwiBhunga kwaye ziquka iimali zemfundo, uncedo lwezindlu, nezinye iinkonzo. Ukuqonda lo mahluko unceda kucacisa indlela iinkqubo ezihlawulwa ngayo kwaye zigcinwe ngayo ngexesha elifanelekileyo.

Iinkqubo Ezintathu Zikarhulumente

Iinkqubo zikarhulumente womanyano

Iinkqubo zomanyano zilawulwa ngamasebe kunye namasebe esizwe kwaye zisoloko zineemfuno ezizinzileyo ezithe rhoqo kuwo onke amaphondo. Ezi nkqubo zifumana inkxaso-mali kwinkqubo yoqingqo-mali yesizwe kwaye ziquka inyathelo elingundoqo elifana ne-Social Security, Medicare, i-Someral Nutrition Application Program (SNAP), kunye nenkxaso-mali yoluntu. Iinkqubo zomanyano zisoloko zimisela imigangatho esisiseko emele ilandelwe, nangona ezinye iimeko zinokunikwa ukuphunyezwa okungokwentelekelelo.

Urhulumente wephondo ulawula amasebe amaninzi ajongene neenkqubo ezithile zocwangciso. ISebe lezempilo neeNkonzo zoLuntu linika iinkqubo zempilo nezobuntlalo-ntle, iSebe lezolimo lilawula ukutyiwa kwezondlobongela, iSebe leMpazamo neNkcubeko yeNkcubeko lisingatha iinkqubo zezindlu, kunye neSebe lemfundo lijonge iimali-mali ezibonelelwayo. Isebe ngalinye lineenkqubo zalo zesicelo, iinkqumrhu zendlela zobunelo, kunye nezakhiwo eziyingenelo.

Iinkqubo zikaRhulumente weRhulumente

Iinkqubo zikarhulumente zixhaswa ngemali ngoqingqo-mali lukarhulumente kwaye zingabongelela kwiinkqubo zorhulumente okanye zinikeze iinkonzo ezongezelelekileyo ezikhethekileyo kwelo lizwe. Ii-United States zinobubhexeshi obuninzi kwindlela ezisebenzisa ngayo iinkqubo ezithile zikarhulumente, ingakumbi iMedicaid kunye nokungaqeshwa. Oku kuthetha iimfuno zokungafezeki, iimali eziyingenelo, kunye neenkqubo zenkqubo zesicelo zinokuhluka ngokuphawulekayo ukusuka kwilizwe elinye ukuya kwelinye. Iinkqubo zikarhulumente zidla ngokuthetha ngeemfuno ezithile zabemi bazo kwaye zisenokuquka uncedo olongezelelekileyo lwezindlu, amaziko aluncedo lwabantwana, kunye nophuhliso umsebenzi.

Urhulumente ngamnye uqhuba iziko lakhe loncedo lwentlalo, elibizwa ngokuba liSebe leeNkonzo zoLuntu, iSebe leeNkonzo zoNtlalo, okanye igama elifanayo. La masebe asebenza njengendawo yokuqala yokunxibelelana nabemi abafuna uncedo lukarhulumente kwaye alungelelanise iinkqubo zorhulumente norhulumente. Amazwe amaninzi aphuhlise ii-chweba ze-intanethi ukuqukuqela inkqubo yesicelo kwaye ayenze kube lula ukuba abemi balapho bafumane iinkqubo ezininzi ngonxulumano olunye.

Iinkqubo zoRhulumente wangaphakathi

Iinkqubo zikarhulumente wasekuhlaleni zilawulwa kwingingqi okanye kumgangatho kamasipala kwaye zidla ngokugxininisa kwiimfuno zoluntu ezingqalileyo. Ezi nkqubo zingaquka uncedo olukhawulezileyo, amanyathelo eendawo zokuhlala, iinkonzo zoluntu, kunye neenkqubo zoncedo lwezentlalo-ntle. Urhulumente wasekuhlaleni usoloko esebenzisana neentlangano ezingaphumezi ngeniso ukuze anikezele iinkonzo kwaye asenokunikela iinkqubo ezixhasa urhulumente neenzuzo. Ii-odolophanti kunye nezixeko zisoloko zinxibelelana ngqo nabemi kwaye zinokunikela uncedo lobuqu ekuhambiseleni ummandla weenkqubo zikarhulumente.

Iindidi ezinkulu zeenkqubo zikarhulumente

Iinkqubo zentlalo-ntle

Iinkqubo zokhuseleko lwentlalo-ntle yentlalo zisisiseko sokhuseleko lukarhulumente, ukunikela uncedo lwemali kunye nenkxaso kwiintsapho ezijongene neengxaki zezoqoqosho. Ezi nkqubo zenzelwe ukunceda abantu bahlangabezane neemfuno ezisisiseko, bagcine isidima ngexesha lobunzima, kwaye basebenzele ukuzanelisa. Intlalo-ntle yoluntu iquka ubuninzi beenkonzo eziquka uncedo lwemali, inkxaso yokutya, kunye neentlobo ezahlukeneyo zoncedo lwemali.

Uncedo lwexeshana kwiintsapho ezifuna inkxaso-mali (SIF) lunika uncedo lwemali kwiintsapho ezifumana imali ephantsi kunye nabantwana, luzinceda zihlangabezane neemfuno ezisisiseko ngexesha zisebenza kwimisebenzi kunye nokusebenza ngokunempumelelo. Le nkqubo iquka iimfuno zomsebenzi kunye nemilinganiselo yexesha, igxininisa indlela yoncedo yokwexeshana. Ukhuseleko loMkhosi woMsebenzi lunika iindleko zanyanga zonke kubantu abadala abakhubazekileyo kunye nabantwana, kwakunye nabantu abadala abaneminyaka engama-6 okanye abakhulileyo abanomvuzo kunye nezinto ezisikelwe umda.

Iinkqubo zonyango

Iinkqubo zonyango ziqinisekisa ukuba amaMerika ayakwazi ukufumana iinkonzo zezonyango kungakhathaliseki ukuba imeko yawo yemali injani. Ezi nkqubo zimela iinkcitho ezinkulu zikarhulumente kwaye zinceda izigidi zabaxhamli. IMedicare inika i-inshorensi yempilo kubantu abaneminyaka engama-65 nangaphezulu, kwakunye nabaselula abanemilwelwe okanye iimeko ezithile. Ucwangciso luquka iinxalenye ezahlukeneyo ezigquma ingqalelo yesibhedlele, iinkonzo zonyango, kunye neziyobisi ezigunyaziweyo.

IMedicaid inikela ingxelo yempilo kubantu abahlawulwa kancinci kunye neentsapho, amabhinqa akhulelweyo, abantwana, abantu abadala nabantu abaneziphene. Ngokungafaniyo neMedicare, iMedicaid ixhaswa ngokumanyeneyo ngurhulumente norhulumente, kwaye iimfuno zokungaguquguquki zihlukene ngokwesizwe. Inkqubo ye-Health Inshorensisferance (CHIP) inika abantwana abafumana imali ephantsi kakhulu ukuba bafaneleke kwiintsapho ezifumana imali eninzi kakhulu ukuba bafaneleke eMedicaid kodwa bengenayo imali ye-inshorensi yobuqu. I-Afford Carence Act yogcino-mface Interment encinane inika izicwangciso zempilo ezingabantu ngabanye neentsapho ezingayifaneleli zi-Mdica kodwa ezifuna uncedo olufunekayo.

Iinkqubo zoncedo lwezonyango

Iinkqubo zoncedo lwezokondla zinceda ukuqinisekisa ukuba bonke abantu baseMerika banako ukufumana ukutya okwaneleyo, kungakhathaliseki iimeko zabo zezoqoqosho. I-Someral Nutrition Application Program (SNAP) inika ii-107 zezigidi zezigidi zemali egunyazisiweyo ukutyhubela uSeptemba 2026, isenza ibe nye yeenkqubo ezinkulu zezokondleko ze-SNAP. Iingenelo ze-SNAP zisasazwa ngamakhadi e-Electronic Benefit Transrection (EBT) anokusetyenziswa ukuthenga izinto zokutya ezifanelekileyo kubathengisela abarhwebi abagunyazi abagunyazi.

INkqubo eSixhathiso soMbutho Wokondleka Kwamabhinqa, iNcasa, kunye nenkqubo yabantwana (WIC) ifundisa ngesondlo, ukutya okunesondlo, kunye nenkxaso kumabhinqa akhulelweyo ancinane, oomama abatsha, nabantwana abancinane. Le nkqubo igxininisa ekukhuleni okunzima kwaye iye yaboniswa ukuba iphucula iziphumo zempilo yoomama kunye nabantwana. Iinkqubo zokutya kwesikolo, kuquka iSikolo seSikolo saseLunch Program kunye neSikolo se-Dramaprast, iqinisekisa ukuba abantwana abakwiintsapho ezifumana ingeniso encinane bafumana ukutya okunesondlo ebudeni besikolo. Iinkqubo zokutya ezinika izidlo ezifanelekileyo zinika abantu abadala abanokuba nobunzima ekulungiseleleni ukutya okanye ekufumaneni izitoreni izitore zokutya.

Iinkqubo zoncedo lwezindlu

Iinkqubo zezindlu ezifumana imali ephantsi, abantu abadala, nabantu abaneziphene bayakwazi ukuthenga izindlu ezikhuselekileyo nezifanelekileyo. Inkqubo yokuKhetha iHome Voucher, eyaziwa ngokuba yiCandelo 8, inika uncedo lokuqesha kwiintsapho ezifanelekileyo, izenza zikhethe izindlu zazo ezikwimakethe yobuqu. Izindlu zikawonke-wonke zinika iirente ezinokuhlawulelwa ezinokufumaneka zezondlwano zezindlu zikawonke-wonke. Ezi ziphuhliso zinika iintsapho ezingenamali yokuqesha ezihlala kwimizi - mveliso.

Uncedo olusekelwe kwiprojekthi yokuqesha ludibanisa iinkxaso-mali kwizindlu ezithile kunokuba zifakelwe ziintsapho ezithile, ziqinisekisa ukuba izinto ezicacisiweyo zihlala zinokufikeleleka. Inkqubo yeNkcubeko yeMali e Home Inkxaso (LIHEAP) inceda iintsapho zihlawule ukufudumala nokupholisa amatyala anxulumene namandla endlu. Iinkqubo zoncedo lwezindlu zexesha likaxakeka zinika abantu indawo yokuhlala nenkxaso yabo kunye neentsapho ezifumana ukungabi namakhaya okanye ezisengozini yokuphulukana nezindlu zabo.

Iinkqubo zemfundo

Iinkqubo zemfundo zenza amathuba okufunda abe ngamathuba afikelelekayo kubafundi abavela kuzo zonke iimvelaphi zezoqoqosho. Imali ephezulu kaPell Grant igcinwe ku-R27,395 ngonyaka wama-2026 ukuya kuma-2027, inika inkxaso engundoqo yemali ekufumaneni abantwana abaphantsi kwengeniso. UPell Grants akuyomfuneko ukuba ahlawulelwe yaye anokusetyenziswa kwimali, kwimirhumo, kwigumbi, kwibhodi, nakwezinye iindleko zemfundo.

Iimali-mali zomfundi ezibolekwayo zodidi oluphezulu zinika inkxaso encinane yemali yemfundo yasekholejini, kunye neenketho ezahlukeneyo eziquka iinjongo zengeniso. Inkqubo yeFederal Work-Study inika amathuba omsebenzi okwexeshana kubafundi abadinga imali, ibavumela ukuba bafumane imali ngexesha befumana amava omsebenzi. Iinkqubo zeTRIO zinika abafundi abasuka kwimvelaphi enzima, zibanceda baphumelele kwisikolo samabanga aphezulu nasekholeji.

Iinkqubo zomsebenzi nezokungabikho kwemisebenzi

I-inshorensi ye-inshorensi yokungaqeshwa yinkqubo edityanisiweyo karhulumente enika ingeniso kubasebenzi abafanelekileyo, nelizwe ngalinye elisebenzisa inkqubo eyahlukeneyo ye-inshorensi yokungaqeshwa elandelwa zimigaqo zomthetho wesizwe. Iingenelo ezidla ngokuhlala iiveki ezingama-26, nangona iinzuzo ezongezelelweyo zinokubakho ngexesha lokungaqeshwa okukhulu. Ukufaneleka, abasebenzi kufuneka balahlekelwe yimisebenzi yabo ngaphandle kwempazamo yabo kwaye bahlangabezane nomsebenzi ocacileyo kunye neemfuno zomvuzo zezwe.

Iinkqubo zophuhliso lomsebenzi zinceda abantu bafumane ubuchule kunye noqeqesho olufunekayo emsebenzini. Ezi nkqubo ziquka uncedo lokukhangela umsebenzi, ukucebisa ngomsebenzi, uqeqesho lomsebenzi, namathuba okuqeqeshela umsebenzi. Imali yeSebe lokuvula izithuba kunye ne-Opportunity Act (WIOWA) inkxaso-mali yemisebenzi eyahlukeneyo kunye neenkonzo zoqeqesho kwiZiko-misebenzi zaseMerika elizweni lonke. I-Tradient Sempletent help inceda abasebenzi abaye baphulukana nemisebenzi ngenxa yokhuphiswano lwamazwe angaphandle ngokulungiselela uqeqesho, ngokukhangela uncedo lomsebenzi, kunye nenkxaso yengeniso.

Iingenelo Zokuhamba Neenkozo

Abasebenzi be-Verans bayayiqaphela inkonzo kunye nokunikezela kwabasebenzi basemkhosini ngokunikela iinkonzo ezibanzi zokuxhasa. ISebe leMicimbi yezempilo (VA) linikela iinkonzo zonyango kumaziko e-VA kunye neekliniki, linikela ingqalelo ephambili, ukunyanyekelwa, iinkonzo zempilo yengqondo, kunye namayeza agunyazisiweyo. Abaguli bafumana intlawulo yesiphene banikela iindleko zanyanga nganye kumagqala aneengxaki zenkonzo, kunye namanani asekelwe kubukhulu bemeko.

IGI Bill inika inzuzo yemfundo kumagqala kunye namaxhoba awo, iquka intlawulo, izindlu, iincwadi, kunye nezinto ezisetyenziswa ekholejini, uqeqesho lomsebenzi, nezinye iinkqubo zemfundo. Imali-mboleko yasekhaya iqinisekisa ukuba amagqala athenge amakhaya ngemibandela elungileyo, kuquka ukungahlawuli iimfuno zemali kunye nenzala ekhuphisanayo. Iinkqubo zempesheni zixhasa ngemali amagqala emfazweni anengeniso elinganiselweyo okanye akhubazekile. Iinkonzo zokulungisa imfuno zinceda amagqala ekulungiseni aneziphene zenkonzo ezinxulumene nenkonzo, zilungiselele, zifumane, zigcine umsebenzi ofanelekileyo.

Iinkqubo zokhuseleko loluntu

Ukuzimela intlawulo yemali ehlawulwayo esekelwe kwingeniso yobomi babo basebenzeyo nabahlawulela irhafu yeNtlalo ePhakamileyo kangangeminyaka eli-10 nangaphezulu.

I-Inshorensi yoKhuseleko loLuntu (SDI) inika iingenelo kubasebenzi abangasakwaziyo ukusebenza ngenxa yemeko enzima yezonyango ekulindeleke ukuba basebenze ubuncinane unyaka omnye okanye bafe. Abasindi bancedwayo baxhasa amalungu entsapho abasebenzi abafileyo, kuquka abahlolokazi, abahlolo-nke, nabantwana abaxhomekeke kubantwana. Le nkqubo inika izigidi zeentsapho zaseMerika ukhuseleko lwemali kwaye imela enye yeenkqubo eziphumelelayo zokulwa nobuhlwempu kwimbali yohlanga.

Ukuqonda Iimfuneko Zokonwaba

Ukufaneleka kweenkqubo zikarhulumente kuxhomekeke kwizinto ezahlukeneyo ezahlukileyo ngohlobo lwenkqubo kunye nomgangatho karhulumente. Ukuqonda ezi mfuneko kubalulekile ukugqiba ukuba zeziphi iinkqubo onokuzifanelekela kunye nokulungiselela inkqubo ephumelelayo. Iinkqubo ezininzi ziqwalasela iinketho ezininzi xa zimisela ukuba zi-escessical, kwaye ukufikelela imfuneko enye akuqinisekisi ukuba ezinye iinketho azihlangabezeki.

Iimfuno Zengeniso

Abamkeli beenzuzo zikarhulumente ngokufuthi kufuneka babonise ukuba ingeniso yabo ingaphantsi kwexabiso eliqingqiweyo, eliyipesenti yeqondo lobuhlwempu lorhulumente. Imida yokufumana imali iyahluka ngokuphawulekayo phakathi kweenkqubo kwaye isenokusekelwe kwingeniso ephezulu (phambi kwerhafu nerhafu) okanye kwingeniso ye-nethi (ngoko kuthe kwahlawulwa iintengiso). Ezinye iinkqubo zisebenzisa imigaqo yobuhlwempu yorhulumente njengesiseko, ngoxa ezinye zimisela imiqobo yazo yengeniso.

Xa ubala ingeniso, iinkqubo ziqwalasela ingeniso, imivuzo, ingeniso yokuziqesha, ingeniso yoKhuseleko loNtlalo, imbuyiselo yokungaqeshwa, kunye nezinye imithombo yengeniso ethe rhoqo. Ezinye iinkqubo zivumela iinkcitho ezithile, njengeendleko zokunyamekela abantwana okanye iindleko zezonyango, ezinokunciphisa ingeniso yakho enokubalwayo. Imida yemali ehlawulwayo ingalungiswa minyaka le nyaka ukuze kubonakale iinguqu kwiindleko zokuphila. Kubalulekile ukuqonda ukuba ingeniso inokuhluka ngokomlinganiselo wendlu, kunye neentsapho ezinkulu ezisoloko zinemidathatho yengeniso ephezulu kunemiqatha.

Imida Yezinto Ezifanelekileyo Nezibonelelo

Iinkqubo ezininzi zimisela imida kwixabiso lempahla okanye izibonelelo onokufumana ngeli lixa ufumana iinzuzo. Ezinye iinkqubo ziquka ii-akhawunti zebhanki, utyalo-mali, izinto zokwenene ngaphandle kwendlu yakho yokuqala, kunye nezithuthi ezingaphaya kwexabiso elithile. Iinkqubo zidla ngokungalifaki ikhaya lakho, inqwelo-moto enye, impahla yakho, kunye nezinto zasekhaya kwizibalo zempahla. Ezinye iinkqubo azinamida yemali, ngelinye ixesha ezicwangcisiwe imiqobo engenakugqitha.

Ukuqonda into ebalulekileyo njengempahla nento ekhutshiweyo kubalulekile ekuboneni ukuba kulungile. Ii-akhawunti zomhlalaphantsi zinokunyangwa ngokwahlukileyo kuxhomekeka ekubeni unikela ngokukhutheleyo okanye wamkela usasazo. Iinkqubo ze-inshorensi zobomi ezinexabiso lemali zingabalwa ngakwimida ye-asethi. Ezinye iinkqubo zivumela imida ephezulu yamandla kubantu abadala okanye abakhubazekileyo, beqonda imfuneko yokulondoloza ukhuseleko lwemali ngoxa befumana uncedo.

Iimfuno Zobumi Nezokuhlala Uhleli

Iinkqubo ezininzi zifuna ukuba ube ngummi wase-United States okanye ube ngummi ongafanelekanga. Iinkqubo ezingekho ngqiqweni zingaquka abahlali abasisigxina (abaphethe amakhadi aluhlaza okwengca), iimbacu, kunye nezinye iimeko zokufuduka. Inkqubo nganye inemithetho engqalileyo efuna ukuba abantu abangengobemi abahlala e-United States bafaneleke, kwaye ezinye iinkqubo zimele ixesha ngaphambi kokuba abaphambukeli abafikayo bafumane iingenelo.

Imfuno zokuphinda zifumaneke ziqinisekisa ukuba abafaki-zicelo bahlala kurhulumente okanye kummandla apho besebenzisa iinzuzo. Ufuna ukubonelela ngobungqina bokuhlala ngamaphepha afana nemali yezemali yenkxaso-mali, izivumelwano zerenti, okanye iposi esemthethweni. Ezinye iinkqubo zifuna ukuba uzimisele ukuhlala erhulumenteni, ngoxa ezinye zinemfuno ezithe ngqo zokuhlala. Ukuqonda ezi mfuneko kukunceda ukuba usebenzise ulawulo olulungileyo kwaye unikeze uxwebhu olufanelekileyo.

Iimfuno Zomsebenzi

Ezinye iinkqubo ziquka iimfuno zomsebenzi okanye imisebenzi enxulumene nomsebenzi njengemeko yokufumana impumelelo. Ezi mfuneko zifuna ukukhuthaza ukwaneliseka nokunceda abangenelweyo ekuguqukeleni emsebenzini. Iimfuno zomsebenzi zingaquka ukufuna umsebenzi ngokukhutheleyo, ukuthatha inxaxheba kwiinkqubo zoqeqesho lomsebenzi, ukwenza umsebenzi woluntu, okanye ukusebenza iiyure ezincinane ngeveki. Izigwebo zifumaneka kubantu abadala, abakhubazekileyo, abanyamekela abantwana, okanye abajamelene neminye imiqobo emsebenzini.

Imfuno zomsebenzi ze-SNAP zisebenza kubantu abadala abakwaziyo ukubopha ngaphandle kokuxhomekeka kwabo, zilinganisela iingenelo kwiinyanga ezintathu kwixesha leminyaka emithathu ngaphandle kokuba bahlangabezane neemfuno zomsebenzi. Iinkqubo ze-TANF ziquka iimfuno zomsebenzi ezifuna abathathi-nxaxheba ekunyuseni ixesha. I-inshorensi yemisebenzi ifuna abafuni-mali ukuba bakhangele ngokukhutheleyo umsebenzi baze bamkele iimbuyiselo ezifanelekileyo. Ukuqonda iimfuno zomsebenzi kunye nokukhulula okukhoyo kubalulekile ukuze balondoloze impumelelo kwaye baphephe iingxaki eziyingenelo.

Ukubekwa Kwemiqathango Yasendlwini

Iinkqubo ezininzi zikarhulumente zineemfuno ezisekelwe kubungakanani bentsapho kunye neenkcukacha ezinxulumene nengeniso yentsapho. Indlela inkqubo echaza ngayo "indawo yokuhlala" ngokuphawulekayo inokuchaphazela ukufaneleka nokungenelwa. Ezinye iinkqubo zijonga wonke umntu ohlala ekhaya njengenxalenye yekhaya, ngoxa ezinye zibala amalungu athile entsapho. Ukuqonda imithetho yokuqamba kwasekhaya kunceda ukuqinisekisa izicelo ezichanekileyo kunye nokubala okufanelekileyo okuyingenelo.

Kwiinkqubo zoncedo lokutya, iintsapho ziquka abantu abahlala kunye, abathenga kunye kunye nokulungiselela kunye ukutya. Kwiinjongo zerhafu, abaxhomekeke kwimfuno, kufuneka bahlangabezane nolwalamano olukhethekileyo, indawo yokuhlala, ubudala, kunye neemvavanyo zokuxhasa. Iinkqubo zendlu zinokuba nemilinganiselo elinganisela inani labantu abanokuhlala kwicandelo eliphantsi. Ukuchaza ngokuchanileyo ukwenziwa kwemimiselo yasekhaya kubalulekile, njengoko iimpazamo zikhokelele kwinzuzo okanye kwintelekelelo yokuqhatha.

Indlela Yokusebenzisa Iingenelo Zikarhulumente

Ukusebenzisa iinzuzo zikarhulumente kusenokubonakala kusongamela, kodwa ukuqonda inkqubo nokulungiselela kakuhle kungayenza ilawuleke kakhulu. Inkqubo nganye ineenkqubo zayo zokusebenza, kodwa ezininzi zilandela imigaqo efanayo. Ukuthatha indlela ecwangcisiweyo nokuqokelela uxwebhu olufunekayo ngaphambi kokuba uqalise kuya kunceda ukuqinisekisa inkqubo egudileyo yokusebenza.

Inyathelo 1: Cwangcisa Ngeziphi Iinkqubo Onokuzifanelekela

Sebenzisa isixhobo esiluncedo sokufumana okanye ukukhangela ngodidi ukuze ufunde ukuba ziziphi iingenelo wena nentsapho yakho ezinokuba zikufanelekele. I-website karhulumente.gov inika isixhobo sokuhlola esibanzi esibuza imibuzo ngemeko yakho kwaye inike uludwe lweenkqubo ezilungiselelweyo onokuzifanelekela. Esi sixhobo asifuni ulwazi lobuqu kwaye sisebenza njengendawo yokuqala entle yokuhlola uncedo olufumanekayo.

Iiwebhsayithi zikarhulumente kunye nezisekuhlaleni zisoloko zinenzuzo yazo okanye zibonelelo lwenkqubo. Imibutho yoluntu, amasebe oncedo lwasekuhlaleni, nee-ofisi zoncedo lwasekuhlaleni zikwanokukunceda uchaze iinkqubo ezifanelekileyo. Qwalasela iimfuno zakho ezikhethekileyo(ukutya, indlu, ukunyamekela impilo, inkxaso yengeniso) kunye neenkqubo zophando olucetyelwe ukuhlangabezana neemfuno. Musa ukucinga ukuba awufaneleki; iimfuno ezilula zinokuba zibanzi kunokuba ulindele, kwaye iinkqubo ezininzi zinceda iintsapho ezisebenzayo, hayi ezo zingenamali.

Inyathelo 2: Buyela kuxwebhu olufunekayo

Kuxhomekeke kuhlobo lwenzuzo oyisebenzisayo, kufuneka uzalise isicelo kwaye unike amaxwebhu athile, afana nobungqina bengeniso, ubungqina bengeniso, kunye nobungqini bendawo yokuhlala. Amaxwebhu aqhelekileyo aquka ufako lukarhulumente olunemifanekiso (iphepha-mvume lomqukumbelo, i-ID karhulumente, okanye ipasisport yeNtlalo yoKhuselo kuwo onke amalungu endlu, iziqinisekiso zokuzalwa, ubungqina bobumi okanye ubumi, kunye nokuhlawula iibhatasi okanye iimbuyekezo zerhafu.

Usenokufuna iingxelo zebhanki, iindleko zemali ye-atrutel ezibonisa idilesi yakho, ii-lisithi zendlu ohanjiweyo, iirekhodi zezamayeza okanye uxwebhu olukhubazekileyo, ubungqina beenkcitho ezifana nokunyamekela abantwana okanye iindleko zonyango, kunye noxwebhu lwazo naziphi na ezinye iziphumo zengeniso. Ukucwangcisa la maxwebhu ngaphambi kokuba uqale isicelo sakho konganisa ixesha kwaye kunciphisa amathuba okuba lilibazisekile. Yenza imibhalo yawo onke amaxwebhu owafakayo, uze ugcine ezona zinto kwindawo ekhuselekileyo. Ukuba awunawo amaxwebhu athile, qhagamshelana nesixhobo sokubuza ngenye indlela yoqinisekiso onokuthi wamkele.

Inyathelo 3: Gqibezela Isicelo

Iinkqubo ezininzi zikarhulumente ngoku zinikezela ngezicelo ze Internet nge website zombutho osemthethweni, ukwenza inkqubo ibe luncedo kakhulu kwaye isebenziseke. Izicelo ze Internet zisoloko ziquka izinto eziluncedo ezifana nobalo oluzenzekelayo, impazamo, kunye nobuchule bokukhusela inkqubela-phambili yakho kwaye ubuyise kamva. Kufuneka ufake isicelo se SNAP kwingingqi ohlala kuyo ngoku, kwaye ngenxa yokuba urhulumente ngamnye unefomu yesicelo nenkqubo eyahlukileyo, ilungu lendlu yakho kufuneka liqhagamshelane ngqo nomncedisi welizwe lakho ukuze lisebenzise.

Ukuba ukhetha okanye ufuna ukusebenzisa umntu, ungatyelela iofisi yakho yoluntu ngexesha leshishini. Amanye amasebe amkela izicelo ngeposi okanye ngomnxeba. Xa egqiba izicelo, funda zonke imiyalelo kwaye uphendule yonke imibuzo ngokugqibeleleyo. Izicelo ezingaphelelanga zingabangela ulibaziseko olubalulekileyo. Ukuba umbuzo awusebenzi kuwe, bhala "N/A" okanye "akukho" kunokuba ushiye ingabhalwanga. Khuthazwanga ngeemeko zakho; ukunikeza ulwazi oluphosakeleyo kungaphumela ekulahlweni kweenzuzo okanye izityholo zolwaphulo-mthetho.

Izicelo ezininzi zinde kwaye zineenkcukacha, zifuna ulwazi malunga nengeniso, iindleko, iimpahla, amalungu endlu, kunye nemeko yakho ekhethekileyo. Zinike ixesha uze uhlole iimpendulo zakho kabini ngaphambi kokuba uthobele. Ukuba ufuna uncedo lokugqiba isicelo, amasebe amaninzi anikela uncedo ngee-ofisi zawo, kwaye imibutho yoluntu isoloko inikela iinkonzo zenkxaso.

Inyathelo 4: Yiba Nenxaxheba Kwinkqubo Yodliwano - ndlebe

Ngeentsuku ezingama-30 emva kokuba ungenise isicelo sakho, kuza kufuneka ugqibe udliwano-ndlebe olufanelekileyo kwaye unike ubungqina (ulwandiso) lolwazi olunikekileyo, nodliwano-ndlebe olusoloko lugqityiwe ngemfonomfono okanye ngomnye umntu. Udliwano-ndlebe luvumela umcebisi ukuba acacise ulwazi, abuze imibuzo elandelelwayo, kwaye aqinisekise ukuba bayazi kakuhle imeko yakho.

Lungiselela udliwano-ndlebe lwakho ngokuhlola isicelo sakho nangokuqokelela nawaphi na amaxwebhu awongezelelekileyo aceliwe yiziko. Lungela ukucacisa imeko yakho yokuphila, imithombo yengeniso, iinkcitho, nesizathu sokuba ufuna uncedo. Phendula ngokunyaniseka nangokupheleleyo. Ukuba awuwuqondi umbuzo, cela ingcaciso. Umcebisi ukhona ukuze ancede afumanise ukuba ukulungele ukufezeka kwakho, hayi ukugweba iimeko zakho.

Ukuba unenkinga yokunxibelelana ngesiNgesi, cela itoliki. Ukuba unesiphene esichaphazela unxibelelwano, cela indawo yokuhlala efanelekileyo. Unelungelo lokuzisa umntu kudliwano-ndlebe ukuze akuxhase, nangona besenokungakwazi ukuphendula imibuzo yakho ngaphandle kokuba bangummeli ogunyazisiweyo. Bhala amaphetshana ngexesha lodliwano-ndlebe, kuquka igama lomqeqeshi kunye nayo nayiphi na imiyalelo ayinikelayo.

Inyathelo 5: Linda Isigqibo

Kwiimeko ezininzi, xa ungenisa isicelo sakho, umbutho wakho welizwe okanye iofisi yasekuhlaleni iza kukwenza oko izakukuthumelela isaziso sikuxelela enoba ufanele okanye akunjalo ukungenelwa kwintsuku ezingama-30. Ezinye iinkqubo zinexesha elifutshane lokulungisa, ingakumbi kwiimeko zongxamiseko. Kwi-inshorensi yokungaqeshwa, idla ngokuthatha iiveki ezimbini ukuya kwezintathu emva kokuba ubhalise isaziso sakho ukufumana inzuzo yakho yokuqala.

Ngexesha lokulinda, umbutho ungaqhagamshelana nawe ukuze ufumane ulwazi olongezelelekileyo okanye uxwebhu. Phendula ngokukhawuleza naziphina izicelo zokuphepha ukulibazisa. Ungakhangela uqwalaselo lwesicelo sakho kwi Internet okanye ngokufowunela umbutho. Ukuba awufumananga isigqibo kwisakhelo sexesha elichaziweyo, qhagamshelana nomxhasi ukubuza malunga nemeko yakho yesicelo.

Xa ufumana isigqibo, sifunde ngenyameko. Ukuba sivunyiwe, esi saziso siza kuchaza inzuzo yakho, xa iinzuzo ziqala, naziphi na iimfuno eziqhubekayo omele uzifeze. Ukuba uyakhanyelwa, isaziso kufuneka sichaze isizathu sokukhanyela nelungelo lakho lokubhenela. Gcina zonke isaziso kwindawo ekhuselekileyo yeerekhodi zakho.

Inyathelo 6: Waqonde Amalungelo Neembopheleleko Zakho

Xa uthe wavunyelwa ukuba ufumane iingenelo, unamalungelo neembopheleleko. Unelungelo lokufumana iingenelo ngendlela efike ngexesha elifanelekileyo, ukuphathwa ngentlonelo nangesidima, ukuze inkcazelo yakho igcinwe iyimfihlo, nokubhena izigqibo ongazange uvumelane nazo. Ukuba akuvumelani nesigqibo kwimeko yakho, ungacela ukuchotshelwa kakuhle ligosa elifunwa ngumthetho ukuhlolisisa iingxelo zemeko yakho ngendlela elungileyo nefanelekileyo, kwaye umele ucele ukuva ngokufanelekileyo ngeentsuku ezingama-90 zosuku oya kusenza ngalo msebenzi wakho weofisi yengingqi, onokuthi ucele isigqibo esiphathelele kwifowuni, okanye ubhalela, okanye uthumele ileta.

Uxanduva lwakho luquka ukuchaza utshintsho kwiimeko zakho olunokuchaphazela ukufaneleka, njengeenguqu kwingeniso, ukuqamba kwasekhaya, idilesi, okanye ubume bomsebenzi. Kufuneka unike ingxelo ngezi nguqu phakathi kwesakhelo sexesha elibalulwe yinkqubo, eziqhelekileyo ngeentsuku ezilishumi. Ukungaphumeleli ukunikela iinguqulelo kusenokuphumela ekuhlawuleni imali eninzi kakhulu oza kufuna ukuhlawula, okanye kwanakwiindleko zobuqhetseba kwiimeko ezinzulu.

Ukwangumsebenzi wokuphinda uqinisekise ubuchule bakho kumaxesha okuphumla athe rhoqo, asenokuba ziinyanga ezintandathu, ngonyaka, okanye kwezinye iikhefu ezixhomekeke kwinkqubo. Isibonelelo siza kukwazisa xa uphinda uqinisekiso lufuneka kwaye naluphi ulwazi olufuna ukunikezela. Ukungafumaneki kwemiqathango yesiqinisekiso kungaphumela kwingenelo yokuphelisa, ifuna ukuba uvune ngokufumana umsantsa ekuncedeni.

Iinkqubo zoncedo lorhulumente oqhelekileyo

Inkqubo yoncedo lokutya eyongezelelweyo (SNAP)

ISNAP, eyayisaziwa njengezitembu zokutya, yinkqubo enkulu yesizwe yoncedo lokutya, ukunceda izigidi zabantu abafumana ukutya okuncinane kunye neentsapho zithenge ukutya. Iingenelo zinikezelwa ngekhadi le-Electromac Benefit Transrection (EBT) elisebenza njengekhadi elikhutshwayo kubathengisi abagunyazisiweyo. Iingenelo ze-SNAP zingasetyenziswa ukuthenga ukutya okuninzi okudliwa ekhaya, kuquka iziqhamo, imifuno, inyama, izitya zobisi, izidlo, izidlo, izidlo, kunye nembewu zokutya. Inzuzo azinakusetyenziswa ekutyeni utywala, ukutya okushushu, iivithamini, okanye izinto ezingekutyiweyo.

Ukukwazi ukuhlawula iSNAP kuxhomekeke kwingeniso yendlu, ubuncwane, kunye neendleko ezithile. Iintsapho ezininzi kufuneka zihlangabezane nemiqathango yemali ehlawulwayo ephezulu (phambi kokuhlawuliswa) kunye nemali ehlawulwayo ye-nethithi (umvuzo emva kokuhlawulwa kwemali evumelekileyo). Ii-oficel zisenokuquka ukuhlahlela okusezantsi, ukuhlawulwa kwemali oyifumanayo, iindleko ezixhomekeke kwimali yokunyamekela imfuno yonyango yamalungu akhulileyo okanye akhubazekileyo, kunye neendleko ezithengezelelekileyo zokuzifihla. Imali oyifumanayo ixhomekeke kumlinganiselo wendlu yakho kunye nengeniso yomnatha, ngenjongo yokunyusa uqingqo-mali yakho yokutya okuzinzileyo.

Kufuneka ufake i SNAP kumbuso apho uhlala khona ngoku, kwaye ngenxa yokuba urhulumente ngamnye unendlela yesicelo nenkqubo eyahlukileyo, ungaqhagamshelana nomncedisi wombuso wakho ngokutyelela i-ofisi ye-SNAP yobulali, ukutyelela i-website yombutho karhulumente wakho, okanye ukubiza isixa-mali se-SNAP solwazi lwe-SAP esikhululekileyo. Ngoku amaphondo amaninzi anika izicelo zengingqi kunye nodliwano-ndlebe, ukwenza inkqubo ibe lula. I-SNAP ifumaneka ngoku qho kwi-6 ukuya kwishumi lenyanga, kuxhomekeke kwiimeko zakho zekhaya.

I-Medicaid

Inkqubo kaMedicaid idityaniswe nesizwe samazwe aseMerika enika inkxalabo yempilo kwizigidi zabantu abadala, abantwana, amabhinqa akhulelweyo, abantu abadala abaneziphene nabantu abaneziphene. UMedicaid ngowona mthombo wempilo ophezulu eUnited States, uquka abantu abangaphezu kwezigidi ezingama-80. Ucwangciso luhlawula iinkonzo zonyango ezininzi, kuquka ukutyelelwa kwagqirha, ukunyanyekelwa kwamayeza, ukunqanda ukukhuselwa kwempilo, ukusetyenziswa kwempilo, kunye nokunyanyekelwa ixesha elide.

Ukufaneleka kweMedicaid kuyahluka ngokwemeko kuba iimeko zinokutshintsha-guquka ekubekeni imida yengeniso namaqela agqunyiweyo. UMthetho wokuLamla oNciphisayo wandisa iMedfordid elungele ukungenelela kumazwe athabatha inxaxheba ukuquka abantu abadala abafumana ingeniso ukuya ku-138% yomgangatho wobuhlwempu obumanyeneyo. Asingawo onke amazwe amkele ulwando, adala ulwando oluphawulekayo lokukwazi ukufikelela kwilizwe lonke. Abantwana namabhinqa akhulelweyo ngokuqhelekileyo anemida yengeniso ephezulu kunabantu abadala abangenabantwana.

Ukufakela iMedicaid kungenziwa ngombutho weMedicaid karhulumente wakho, nge-Inishuwarensi ye-Indari ye-Healmment Mecare.gov, okanye kwiofisi yenkonzo yentlalo-ntle yasekuhlaleni. Amaphondo amaninzi aneenkqubo zonikezelo ezithe zathi zathi zaphembelela ukuba usebenzise iMedicaid nezinye iingenelo ngexesha elinye. Ukuba ufunyaniswe ukuba ufanelekile, ukugquma okuqhelekileyo kuqalisa inyanga oyisebenzisayo okanye inyanga owaba ufanelekele, kwaye ungakwazi ukufumana ityala leminxeba yonyango ukusuka kwiinyanga ezintathu phambi kokuba ubhalisile.

Inkqubo Yokhetho lwezindlu (Unyuso 8)

Inkqubo yokuKhetha iHome Voucher, edla ngokubizwa ngokuba yiCandelo 8, yinkqubo engundoqo karhulumente wesizwe yokunceda iintsapho ezifumana imali ephantsi kakhulu, abalupheleyo, kunye nabantu abaneziphene bafumana izindlu ezifanelekileyo, ezikhuselekileyo, nezicocekileyo emarikeni. Abathathi-nxaxheba bangakhetha naziphi na izindlu ezihlangabezana neemfuno zocwangciso, kuquka amakhaya angena entsapho enye, izindlu zoorhulumente, kunye nezindlu zokuhlala. Inkqubo yezindlu ezikhethelweyo ilawulwa ngamaziko kawonke-wonke eqeshiweyo (PHH).

Intsapho efumana isiqinisekiso sokufumana i-lindle ihlawula malunga nama-30% emali yayo elungelelanisiweyo enyanga nganye yerente kunye nezinto eziluncedo, kwaye i-PHA ihlawula eziseleyo ngqo kumnini-ndlu. Ukungabi namali kuxhomekeke kwiPHA esekelwe kwingeniso epheleleyo yonyaka kunye nobungakanani bentsapho, kwaye ilinganiselwe kubemi base-U.S. kunye nemigangatho ekhankanyiweyo yabangengobantu abakwimeko elungele ukufuduka.

Imfuneko yezqinisekiso zokuhlala ingaphezulu konikezelo, kwaye ezininzi ze-PH njengoko zinoludwe olude lokulinda. Olunye uludwe lokulinda lungaluvala xa zineentsapho ezininzi kunokuba zincedise kwixesha elizayo elingephi. Xa usenza, kuza kufuneka unike inkcazelo emalunga nokwenziwa kwendlu, ingeniso, iimpahla, kunye nalo naliphi na ilungu lentsapho elinesiphene. Ukuba liyamkeleka, uza kufumana umxhasi kwaye ube nexesha elilinganiselweyo (kunokuba 60-20 iintsuku) ukufumana indawo yokuhlala efanelekileyo kwaye uvunywe yiPHA.

I-inshorensi yemisebenzi

ISebe le-U.S. leenkqubo ze-inshorensi ze-Inshorensi yokungaqeshwa kwe-Ortho linika iingenelo zokungaqeshwa kwabasebenzi abafanele ukuqeshwa ngaphandle kwempazamo yabo kwaye bahlangabezane nezinye iimfuno ezifunekayo. Olu cwangciso lunika inkxaso yengeniso yokwexeshana ngelixa ukhangela umsebenzi omtsha. Iingenelo zijoliswe ukuthatha indawo yemivuzo elahlekileyo, ngokuqhelekileyo zinika malunga nesiqingatha sengeniso yakho yangaphambili elingana nobuninzi borhulumente.

Ukufumana iinzuzo ze-inshorensi yokungaqeshwa, kufuneka ubhale ingxelo yakho ngenkqubo ye-inshorensi yokungaqeshwa kwilizwe osebenza kulo, kwaye kuxhomekeke kurhulumente, iziphumo zingafakwa emntwini, ngemfonomfono, okanye nge-intanethi. Kufuneka ubhale iziphumo zakho ngokukhawuleza emva kokuba uphelelwe ngumsebenzi, njengeengenelo eziqhelekileyo ezingagubungela ixesha ngaphambi kokuba ugcine ifayile. Xa ubhala, uzakufuna ulwazi malunga nomsebenzi wakho wakutshanje, kuquka amagama abaqeshi bakho, iidilesi, imihla yomsebenzi, kunye nokuhlala ngokwesizathu sokwahlukana.

Ukuqhubeka ufumana iingenelo, kufuneka ufikelele iimfuno eziqhubekayo zobunyani, eziquka ngokukhutheleyo ukufuna umsebenzi, ukukwazi nokufumana umsebenzi, nokwamkela umsebenzi ofanelekileyo ukunikela. Kufuneka unike ifayile yeveki nganye okanye iingxelo zeveki ezingqina ukuba uhlangabezana nezi mfuneko. Amaphondo amaninzi afuna ukuba ubhalise kwinkonzo yenkonzo ye-okhenti kwaye ubhale imisebenzi yakho yokukhangela umsebenzi. Iingenelo ezihlala zikho ukuya kwiiveki ezingama-26, nangona oku kuthe kwahluka ngokwemeko, kwaye iingenelo ezinyuliweyo zingafumaneka ngexesha lokungaqeshwa okuphezulu.

Uncedo lwabafundi abamanyeneyo

Uncedo lwabafundi abafumana iFeekleji kunye neentsapho zabo zihlawula imali kwisikolo semfundo okanye semfundo. ISebe lezemfundo lase-United States linika izibonelelo, imali ebolekiweyo, kunye nemali yokusebenza ukuze lincede ukwenza imfundo ingabi namali eninzi kwisikolo samabanga aphakamileyo. Ngokungafaniyo nemali-mboleko yomfundi obuqu, uncedo lwabafundi basekuhlaleni lunika iingenelo ezifana nenzala emiselweyo, amalungiselelo okuhlawula ingeniso, kunye neenkqubo zokukhongozela ukukholeka.

Ukufaka isicelo soncedo lwabafundi bezwelonke, abafundi kufuneka bagqibe izicelo zesicelo samaNgeniso saBafundi abatsha (FAFSA) ngonyaka ngamnye bafuna ukufumana uncedo. IFAFASA iqokelela ulwazi lwemali ngomfundi kunye neentsapho zabo ukugqiba ngeNcedo Yentsapho elindelekileyo (EFC) kunye nokufezeka koncedo olusekelwe kwimfuno. Isicelo sivulwa ngo-Oktobha 1 ngonyaka ngamnye kunyaka olandelayo, kwaye abafundi kufuneka basebenzise kwangoko kunokwenzeka ngenxa yokuba olunye uncedo lunikwa kwingeniso yokuqala, eyokuqala elungiselelwe kwisiseko.

Umgangatho uPell Grants usisiseko soncedo lwabafundi besizwe, unika izibonelelo ezisekelwe kwintlawulo ephantsi kwemali ehlawulwa phantsi kwabafundi abafumana imali eninzi. Ngokungafaniyo neemboleko, azifuni kuhlawulelwa ngaphandle kweemeko ezithile. Iimali-mboleko zomfundi ezinguFederal ziquka iLoans Ethe ngqo ephantsi kwe-Loans ephantsi kwemfuno yemali, i-Detractive Louncudisms kunye nabafundi abaphumeleleyo kungakhathaliseki ukuba kuyimfuneko, kunye ne-PLUS Loans yeNTS yabazali abaxhomekeke kubafundi kunye nabafundi abaphumeleleyo. I-Finiall Umsebenzi unika abafundi abafumana inxalenye yexesha kwimfuno yemali, ibavumela ukuba bafumane imali yokuhlawula iindleko zemfundo.

Amacebiso Kwiinkqubo zikarhulumente Eziphumelelayo

Gcina iingxelo ezineenkcukacha

Ukugcina iingxelo ezilungelelanisiweyo zakho zonke iintsebenziswano zakho namaziko karhulumente kubalulekile ukuze ukwazi ukulawula iingenelo zakho ngempumelelo. Yenza ifayili okanye ulawulo olunikezelweyo lwenkqubo nganye obandakanyekileyo kuyo, kwaye gcina imibhalo yazo zonke izicelo, isaziso, iimfonomfono, kunye namaxwebhu axhasayo. bhala umhla, ixesha, kunye negama lomntu othetha naye, kunye nesishwankathelo sencoko. Gcina ii-fties zakho zencwadi okanye iindleko ezinxulumene nesicelo sakho.

Olu xwebhu lukhusela ukuba imibuzo iphakama malunga nobungakanani bakho obuvunyiweyo okanye inzuzo. Ikwenza kube lula ukuphinda ubhalise kuba uzakuba nazo zonke iinkcukacha ezifunekayo ezifumanekayo. Ukuba ufuna ukubhena ngesigqibo, iirekhodi zakho ziyakuba bubungqina obubalulekileyo. Qwalasela ukugcina iikopi zombini eziphathekayo kunye nezingamanani zamaxwebhu abalulekileyo ongezelelwe ukhuseleko.

Khawuzibuze Ngayo Yonke Imida Efileyo

Iinkqubo zikarhulumente zisebenza ngemida engqongqo, kwaye ukuphoswa kwexesha kungaphumela kwingenelo ezilibazisayo, ukupheliswa, okanye ukukhanyelwa kwesicelo sakho. Phawula imihla ebalulekileyo kwikhalenda, kuquka ixesha lesicelo, ukwenziwa kwamaphepha esiqinisekiso, ukukhala kwemihla, ixesha elimisiweyo, kunye nexesha lokufaka isibheno. Cwangcisa kakuhle kumaxesha okukhunjuzwa kusengaphambili ukuze ube nexesha lokuqokelela ulwazi oluyimfuneko nezenzo ezifunekayo ezipheleleyo.

Ukuba uqonda ukuba uza kuphoswa lixesha, qhagamshelana nombutho ngoko nangoko ukuchaza imeko yakho. Amanye amaqumrhu angakunika ulwandiso ngesizathu esihle, kodwa kufuneka ucele ukuba aqhubeke ngaphambi kokuba ixesha lidlule. Ukuba uphoswe lixesha kwaye ulahlekelwe zinzuzo, kufuneka ukhawuleze, nto leyo engenza umsantsa woncedo ngexesha elilifuna kakhulu.

Iinguqulelo Zokuxela Ngokukhawuleza

Iinkqubo ezininzi zifuna ukuba uxele utshintsho kwiimeko zakho ngaphakathi kwesakhelo esithile sexesha, esiqhele ukuba seentsuku ezilishumi. Iinguqu ezimele zixelwe zidla ngokuquka utshintsho lwengeniso, ubume bomsebenzi, ukwenziwa kwendlu, idilesi, izinto, okanye iindleko. Nokuba ngaba akuqinisekanga ukuba utshintsho luchaphazela ubungcaciso bakho, kungcono ukunikela ingxelo ngalo kwaye umbutho uzimisele oko.

Ukungaphumeleli ukuxela iinguqu kunokubangela ukuba uhlawulelwe ngokugqithisileyo, mhlawumbi ngezohlwayo. Kwiimeko ezinzulu, ukungaphumeleli ukuxela iinguqu kungathathwa njengokuqhatha, okuphumela ekumangalelweni, ityala, kunye nokunganikwa malungelo asisigxina kwiinkqubo. Amasebe amaninzi enza kube lula ukuchaza utshintsho kwii-ports ze-intanethi, ii-frive e-atline, okanye kutyelelo-luxa.

Funa Uncedo Xa Lufuneka

Kusenokuba nzima ukumisela iinkqubo zikarhulumente, kwaye akuyomfuneko ukuba uzenze wedwa. Zininzi izinto ezikhoyo ukukunceda uqonde iinkqubo, izicelo ezipheleleyo, kunye neengxaki zokucombulula. Amasebe oncedo oluntu asekuhlaleni asoloko ezinikele ukunceda abantu ukuba bafake izicelo zeengenelo. Amasebe oluntu, imibutho yoncedo olusemthethweni, kunye nabanikezeli beenkonzo abangeyongeniso banikela uncedo ngesisa ngezicelo kunye nezibongozo.

Amathala eencwadi asoloko enika iikhompyutha kunye ne-intanethi izicelo zekhompyutha, kwaye abasebenzi bethala leencwadi banokukunceda uhambe ngeewebhsayithi zikarhulumente. Ezinye iziko linika uncedo oluluncedo lokuxilonga nokusebenzisa izicelo ngokukhethekileyo kubantu abadala, amagqala, abantu abakhubazekileyo, okanye abanye abantu abahlala kunye. Musa ukuthandabuza imibuzo okanye ukucela uncedo olukhoyo ukuze uncedwe, kwaye abameli bafuna ukuqinisekisa ukuba abantu abafanelekileyo bayalufumana uncedo abalufunayo.

Waqonde Amalungelo Akho Enteleko

Ukuba isicelo sakho asivunywanga okanye iingenelo zakho zincitshisiwe okanye ziphelisiwe, unelungelo lokubhena kwisigqibo. Amalungelo obheno kunye neenkqubo zohluka ngokwenkqubo, kodwa jikelele kufuneka ucele isibheno ngokubhala ngaphakathi kwesakhelo sexesha elithile, ngokufuthi iintsuku ezingama-30 ukuya kumashumi amathathu anethoba ukusuka kumhla wesaziso. Inkqubo yesibheno ibandakanya ukuva phambi komphathi ovayo okanye umgwebi womthetho olawulayo.

Ngexesha lokuchonga, unganikela ubungqina, umeme amangqina, kwaye uchaze isizathu sokuba ukholelwe ukuba isigqibo sequmrhu sasiphosakele. Unelungelo lokumela, nangona kuza kufuneka ucwangcise oku ngokwakho njengokuba urhulumente engasayi kunikela ngegqwetha. Iintlangano zoncedo olusemthethweni zingakwazi ukunceda ngokufaka isibheno. Lulungiselele ngokucokisekileyo ukuva kwakho ngokuqokelela onke amaxwebhu anxulumeneyo, ulungelelanisa ubungqina bakho, nokulungiselela ingcaciso ecacileyo yesikhundla sakho.

Qonda Ngobuqhophololo

Ngelishwa, abaqhathayo badla ngokuhlasela abantu abafuna iinzuzo zikarhulumente. Lumka nabani na ozibanga uvela kumbutho karhulumente uze ucele ulwazi lobuqu, ukuhlawula, okanye isenzo esikhawulezileyo. Amagosa karhulumente asemthethweni akasayi kuze abize, i-imeyili, okanye afune ukubhatala ngokukhawuleza okanye ukubanjwa ngokusongela. Abayi kucela ukuhlawulwa ngamakhadi okupho, ukuthunyelwa kocingo, okanye ukusetyenziswa kweqhinga.

Lumka uqinisekise ukuba ngubani na othi umela umbutho karhulumente ngokubiza umbutho ngokungqalileyo usebenzisa inombolo yefowuni oyifumana ngokuzimeleyo, hayi enye enikezelwe ngumfono-mfono. Lumka kwii-website ezithe zakuhlawula izicelo zokukufaka kwizicelo zeenkqubo zikarhulumente zesisa. Ngoxa iinkonzo zesicelo ezisemthethweni zikho, ungasoloko usebenzisa iiwebhsayithi zikarhulumente ezisemthethweni ngaphandle kwexabiso. Iiwebhusayithi zikarhulumente ziphela kwi-'egov, kwaye kufuneka ukrokreleze amanxuwa anezinye ii-ofisi zolawulo ezithi zinikela iinkonzo zikarhulumente.

Imithombo yokufumana nokusebenzisa iinkqubo zikarhulumente

IiWebhsayithi zikarhulumente osemthethweni

Isiseko seenkqubo ezininzi ze-union ngu-USA.gov, osebenza njengesango, okulathisela kumasebe kunye neenkonzo zikarhulumente ezifanelekileyo. Le webhsayithi ibanzi inika ulwazi ngeenkonzo zikarhulumente, iinzuzo, kunye neenkqubo, ezimalunga neendidi ezinokugquma lula neengcebiso ezifana neenzuzo nezibonelelo, imiba yempilo, imisebenzi, imali, iirhafu, kunye nokuhamba kunye nokufuduka. Le ndawo iquka isixhobo esiluncedo ekufumanayo esikunceda uqonde iinkqubo onokuzifumana ngokweemeko zakho.

Iingenelo.gov ngomnye ugcino-lwazi olubalulekileyo, olunika ugcino-lwazi olubanzi lweenkqubo eziyingenelo kurhulumente kunye nesixhobo sokuhlola esibuza imibuzo ngemeko yakho kwaye sinika uluhlu lweenkqubo ozifaneleyo. Inxuwa liquka iinkcukacha ezineenkcukacha malunga nenkqubo nganye, kuquka iimfuno zobugocigo, indlela yokusebenzisa, kunye nolwazi loqhagamshelana. i-HealthCare.gov yi-nter ye-inshorensi yempilo phantsi koMthetho we-Afford Cance Cance, apho unokuthelekisa khona izicwangciso, ukuthelekisa, ukudibanisa, nokugqiba ukuba uyakufanelekela ukubonela inkxaso-mali okanye i-Medicaid.

Amasebe azimeleyo azimeleyo agcina iiwebhsayithi zawo ezinenkcukacha ezineenkcukacha ngeenkqubo zawo. ISebe loKhuseleko loLuntu (SA.gov) linikela ulwazi malunga nomhlala-phantsi, ukukhubazeka, kunye neengenelo zabasindileyo. Le nkonzo yeSebe le-Forgriculture’s Food and Nural Controltion Service (HUD) inikela ngoovimba malunga neenkqubo zoncedo lwezindlu. Le nkonzo ye-glov ingo yezomthetho yezonyango ye-SNSNAP kunye nezinye iinkqubo zokutya okunomphunothi. ISebe leNqumrhu leNstrumentation ne-URROUP (H.H.H.H.) linikela ngoonke ii-og.

Imeko kunye noovimba bobulali

Isebe ngalinye lisebenzisa izibonelelo zalo zezentlalo, ezibizwa ngokuba liSebe leeNkonzo zoLuntu, iSebe leeNkonzo zoNtlalo, Impilo NeeNkonzo Zoluntu, okanye igama elifanayo. La masebe anikela iinkqubo eziluncedo zorhulumente norhulumente kwaye asebenza njengendawo yokuqala yokunxibelelana nabantu abahlala apho befuna uncedo. Iiwebhsayithi zesebe likarhulumente zidla ngokuquka iinkcukacha malunga neenkqubo ezikhoyo, iimfuno zobunyani, iinkqubo ze-intanethi, kunye neendawo ze-ofisi.

Uninzi lwamazwe luphuhlise iinkqubo ezidityanisiweyo ezivumela abemi ukuba basebenzise iinkqubo ezininzi ngesicelo esinye. Ezi nkqubo ziphethulela inkqubo kwaye zinciphise umthwalo kubantu abacela uncedo olufanelekileyo kwiintlobo eziliqela. Iingingqi noorhulumente bakamasipala bakwanikela iinkqubo neenkonzo, ingakumbi uncedo longxamiseko, kwaye banokukukhokelela kwimithombo efanelekileyo.

Ii-ofisi zeenkonzo zoluntu zinikela uncedo ngezicelo, ukuzimisela, kunye nolawulo oluqhubekayo lwemeko. Abasebenzi bangaphendula imibuzo, bakuncede ugqibelele izicelo, bakunxulumanise nezibonelelo zoluntu ezongezelelekileyo. Ngeli xesha iinkonzo ezininzi zifumaneka kwi-intanethi, ii-ofisi zobulali zihlala zinguvimba obalulekileyo, ingakumbi kubantu abaswele ukufikelela kwi-intanethi okanye abafuna uncedo lobuqu.

IMibutho yoLuntu nokungafumani ngeniso

Imibutho emininzi yoluntu kunye namaqumrhu angangeni ngeniso anikela uncedo lwasimahla ngezicelo zorhulumente eziyingenelo. Imisebenzi yoluntu, efunyenwe phantse kwiphondo ngalinye, inceda abantu abafumana imali ephantsi kunye neentsapho ezifumana ubuncwane kunye neenkonzo. La masebe asoloko enikela iingenelo zokuxilongwa, uncedo lwezicelo, kunye nokukhutshwa kwemali.

Imibutho yoncedo olusemthethweni inikela uncedo olusemthethweni ngokukhululekileyo kubantu abafumana imali ephantsi, kuquka uncedo ngezicelo eziluncedo, izibongozo, kunye neempikiswano namaqumrhu. Iindawo ezilawula abantu abadala nabanyamekela abalupheleyo, zinikela inkcazelo ngeMedicare, iNtlalo-ntle, nezinye iinkqubo zabadala. Iintlangano zeNkonzo ze-Vereterans zinceda amagqala kunye neentsapho zawo ukuba ahambele phambili ngee-VA kunye nezinye iinkqubo. Imibutho esekelwe kukholo, iibhanki zokutya, kunye neendawo zokuhlala ezingenamakhaya zisoloko zinabasebenzi okanye amatsha - ntliziyo anokuncedisa abantu ngoncedo lukarhulumente.

Name

Amasebe amaninzi karhulumente asebenzisa amaziko angenawo amaxabiso ashushu apho unokufumana khona ulwazi, ukhangelo lwesicelo, okanye uthethe nommeli. Isebe loKhuseleko loluntu elikhululekileyo lazweni-wonke (1.807-71213) linikela ulwazi malunga nazo zonke iinkqubo zoKhuseleko lweNtlalo. I-USDA National Hunger Hotline (1-866-3-UNGRY) inceda abantu bafumane iinkqubo zokuxhasa ukutya. ISebe leMsebenzi linceda ngemibango yokungaqeshwa nokuqeqeshwa komsebenzi.

Amaziko karhulumente asebenzisa eyawo iminxeba eshushu kwiinkqubo ezithile. La manani adla ngokudweliswa kwii-website zowiso-mthetho nakwizinto zodweliso lwenkqubo. Ngelixesha amaxesha okulinda kusenokuba kude, imigca eshushu inikela inkonzo ebalulekileyo kubantu abafuna ukuthetha nomntu ngqo okanye abangenayo i-intanethi. Xa ubiza, unenombolo yakho yetyala nolwazi olulungele ukukunceda ummeli ngempumelelo.

Ikamva Lenkqubo Karhulumente

Iinkqubo zikarhulumente ziyaqhubeka ziguquka zize ziphendule kwiimfuno ezitshintshayo, inkqubela-phambili yobugcisa, kunye nemigaqo ephambili. Ukuqonda intsingiselo yangoku kunye nolwalathiso lwexesha elizayo kunokukunceda ulindele iinguqu ezinokuchaphazela iingenelo zakho okanye zivelise amathuba amatsha okunceda.

Utshintsho lwamanani

Amaziko karhulumente ahambela phambili ekuqhubeni phambili iinkonzo kwi-intanethi, nto leyo eyenza kube lula ngabantu ukuba bafake isicelo sengenelo, bahlole ubume besicelo, bahlole iinguqu, baze balawule iimeko zabo ekhaya. Ii-Online zinciphisa imfuneko yokutyelela nokusebenzisa ikhompyutha, ukukhawulezisa amaxesha okulungiselela nokuphucula ucoselelo. Iinkqubo zeselula ziphuhliswa ukubonelela ngengenelo nolwazi neenkonzo ngocingo, beqonda ukuba abantu abaninzi bangena kwi-intanethi ngokusuka kwizixhobo zeselula.

Ngoxa iinkonzo zamanani ziphucula ulwaneliseko lwabantu abaninzi, amaqumrhu kufuneka aqinisekise ukuba abo bangenayo i-intanethi okanye ubuchule bokufunda nokubhala kumanani bangafumana iingenelo. Ukugcina iziteshi ezininzi zokufikelela, ifowuni, kunye nomntu ohlala ebalulekile ekuncedeni abantu abahlukahlukeneyo. Njengoko inkqubela yezobugcisa ihambelana nokuphucula ukhuseleko lwezibonelelo zekhompyutha nokukhusela ulwazi lobuqu lokungenelwa kwabamkeli.

Ukuthunyelwa kwenkonzo eHlanganisiweyo

Uninzi lweemeko luqhubela kwisixokelelwano sokudityaniswa kwemibutho evumela abantu ukuba basebenzise iinkqubo ezininzi ngesicelo esinye. Le ndlela iphawula ukuba iintsapho zisoloko zifuna iintlobo ezininzi zoncedo kwaye zinciphisa umthwalo wolawulo womsebenzi wokugqiba izicelo ezohlukeneyo kwinkqubo nganye. Iinkqubo ezidityanisiweyo zingenza ukuphucula ulungelelwaniso phakathi kweenkqubo, ziqinisekisa ukuba abantu bafumana zonke iinzuzo ezifanele ukufumaneka kuzo.

Ukwabelana ngogcino-lwazi phakathi kwamaqumrhu, xa enziwe ngokhuseleko olufanelekileyo lwemfihlo, kungabangela ukuzimisela okungenalusini kwaye kunciphise umthwalo wamaxwebhu kwabafaki-zicelo. Umzekelo, ukuba omnye umbutho sele uqinisekise ingeniso yakho, omnye umbutho ungakwazi ukusebenzisa loo nkcazelo kunokufuna ukuba unikezele amaxwebhu afanayo kwakhona. Ezi nguqulelo zingenza inkqubo ibe ngumhlobo womsebenzisi ofanelekileyo.

Iintguqu-mali zomgaqo-nkqubo kunye nokuNciphiswa

Iinkqubo zikarhulumente ziphantsi kotshintsho lomgaqo-nkqubo ngomthetho, ulawulo, kunye nesenzo solawulo. Iimfuno zokufumana inzuzo, kunye nemithetho yenkqubo ingatshintsha ngokweenjongo zezobupolitika, iimfuno zoqingqo-mali, kunye nokususa ukuqonda oko kusebenzayo ekuncedeni abantu abasweleyo. Ukuhlala wazi ngeenguqu zenkqubo ezinokuchaphazela iingenelo zakho kubalulekile ukuze ugcine ubunewunewu kunye nokulungiselela ikamva.

Inkxaso-mali elungiselelwe iinkqubo inqunyulwe kwinkqubo yokuququzelela, kwaye amaqondo emali angaguquguquka ngokusekelwe kwizinto eziza kuqala kunye nengxoxo yoqingqo-mali. Ezinye iinkqubo zinenkxaso-mali enyanzelekileyo eqhubeka ngokuzenzekelayo, ngoxa ezinye zifuna izicelo zonyaka ngamnye kwaye zisenokujongana nokungaqiniseki. Ukuqonda indlela iinkqubo ezixhaswa ngayo kukunceda ulindele iinguqu onokuba nazo kwaye uxhase inkxaso eqhubekayo yeenkqubo oxhomekeke kuzo.

Isiphelo

Iinkqubo zikarhulumente zinika inkxaso ebalulekileyo kwizigidi zabantu baseMerika, zinceda abantu neentsapho ukuba bahlangabezane neemfuno ezisisiseko, ukunyanyekelwa kwempilo, ukulandela imfundo, nokugcina ukuzinza kwezoqoqosho ngamaxesha anzima. Ukuqonda indlela iinkqubo ezikhoyo, iimfuno ezifanelekileyo, kunye neenkqubo zokusebenza kukunika amandla okufumana uncedo olufunayo nolululufaneleyo. Ngoxa iinkqubo zikarhulumente maxa wambi zinokuziva zininzi kakhulu, ubuncwane obuninzi bukhona ukukunceda kule nkqubo.

Khumbula ukuba ezi nkqubo zikho ukuze zikuncede, kwaye akukho hlazo ekufuneni uncedo xa ufuna uncedo. Iintsapho ezininzi ezisebenzayo nabantu abajongene nodangatyeko lokwexeshana bangenelwa kwiinkqubo zikarhulumente. Ngokusebenzisa uncedo olukhoyo, ungaqwalasela ekuphuculeni imeko yakho kwaye usebenzele ekuzinzeni nakwixesha elide.

Hlala wazi ngeenkqubo eziza kukunceda wena nentsapho yakho, gcina iinkcukacha zonxibelelwano lwakho namaziko, ufikelele yonke imihla emiselweyo kunye neemfuno zokunika ingxelo, kwaye ungathandabuzi ukufuna uncedo xa ufuna uncedo. Enoba ujongene neengxaki zokwexeshana okanye ujongene neengxaki zexesha elide, iinkqubo zikarhulumente zingakunika inkxaso ebalulekileyo ukukunceda ngamaxesha anzima kwaye zakhe ikamva elingcono.

Ulwazi oluninzi malunga neenkqubo ezithile kunye nokuqalisa inkqubo yesicelo, tyelela USA.gov, ubuBenifit.gov, okanye qhagamshelana nombutho weenkonzo zentlalo. Ubonelelo oluninzi noncedo lufumaneka ngemibutho yoluntu, iiofisi zoncedo olusemthethweni, kunye nee-ofisi zentlalo-ntle kummandla wakho.