Table of Contents
Ukuqonda izinhlelo zezenhlalo kubalulekile ukuze izakhamuzi zikwazi ukulawula inzuzo nezinkonzo eziyinkimbinkimbi ezitholakala kuzo ezingxenyeni ezihlukahlukene zokuphila. Le zinhlelo zikha ikhambi elibucayi lokuphepha izigidi zabantu baseMelika ezithembele kulo ukuze zilondeke ngokwezimali, ukunakekelwa kwempilo, nezidingo eziyisisekelo. Ukulondeka kwezenhlala - kahle kuyisisekelo salelinetha lokuphepha, ukusekela okubalulekile ngokwezimali kwabaholi bemihlalaphansi, abantu abakhubazekile, nabasindayo abafile. Izinhlelo ezifana neMedicaidre, i-Medicaid, i-Spediaid, i-Social Conficity Iprogram (SNAP), nezinyathelo ezihlukene zokusiza abantu abahlala ndawonye ekusekeleni izinselele ezihlukahlukene.
Njengoba sidlula phakathi no-2026, izinguquko ezinkulu kulezinhlelo zithinta indlela izakhamuzi ezithola ngayo izinzuzo, ezikutholayo, nokuthi zikhokha malini. Ukuhlala sazi ngezimfuneko zokuthola inzuzo, izinqubo, izilinganiso, inzuzo, kanye nokushintshwa kwenqubo kwamuva nje akukaze kube okubaluleke kakhulu. Lo mqondisi ogcwele uzokusiza ukuba uqonde izinhlelo eziyinhloko zezenhlalo ezikhona, ukuthi zisebenza kanjani, nokuthi yini edinga ukwazi ukuthuthukisa izinzuzo zakho.
Ukuqonda Ukulondeka kwezenhlalo: Isisekelo Senethi Lokuphepha LaseMelika
I-Social Security imelela enye yezinhlelo ezibaluleke kakhulu zomshuwalense wezenhlalo emlandweni waseMelika, ethinta ukuphila kwabazuzayo abangaphezu kwezigidi ezingu-70. Lo hlelo lunikeza izinzuzo kubantu baseMelika abayizigidi ezingu-75, kanye nezinzuzo ezingamaphesenti angu-2,8 zokulungisa ukuphila okuqala ngo-January 2026. Lo hlelo lukahulumeni, olukhokhelwa ngentela eqoqwe ngezimali eziqoqwe izisebenzi nabaqashi, lunikeza izinhlobo ezintathu eziyinhloko zezinzuzo: iholo lomhlalaphansi, umshuwalenselaniso, nezinzuzo ezisindayo emalungwini ezisebenzi ezifile.
Indlela Ukuxhasa Kwezenhlalakahle Komphakathi Okusebenza Ngayo
Isimiso sobuKhuseleko lweNtlango sisebenza ngesisekelo seholo elikhokhelwayo, lapho izisebenzi zamanje zikhokha khona izinzuzo zabazuzayo manje. Izinga lentela yeNyuselo neMedicare lingamaphesenti angu-7,65, nenani lezeNyunzi (OASDI) lingamaphesenti angu-6,2 emali edonswayo elinganiselwa kumthamo ofanele wentela, kanti i-Medicare iyingxenye eyodwa (HI) engamaphesenti ayo wonke. Ngo-2026, inani lemali etholakalayo engaphansi kwentela yezeNhlalahlala - kahle liyo lizonyukela ku-R44,500.
Ukuqonda ukuthi uthola kanjani izikweleti ze-Social Security elungele ukukwehla. Kumelwe ukhokhe imali ewu 40 ukuze ufanelekele izinzuzo zenhlala- kahle, futhi uthola izikweleti lapho usebenza futhi ukhokha izintela ze-Social Security. Imali edingekayo ukuze uthole izinguquko zemali yokuthenga imali minyaka yonke ngenxa yokwehla kwamandla emali. Ngo-2026, kuzoba iholo elingu-R34,890 ukuze uthole imali eyodwa, kanti u-R37,560 ukuze uzuze zonke izikweleti ezine ezitholakala ngonyaka owodwa.
Izinzuzo Zokuthatha Umhlalaphansi Ngo - 2026
Izinzuzo zomhlalaphansi zimelela isici esiqashelwa kakhulu se-Social Security. Imali oyitholayo ixhomeke ezicini eziningana, kuhlanganise neholo lakho lokuphila, inani leminyaka osebenze ngayo, kanye neminyaka oyikhethayo ukuthatha ngayo izinzuzo. I-Social Security Administration ithatha iminyaka engu-35 ephakeme kakhulu ngemva kokuzivumelanisa nokuncintisana kwentengo nokuzinika inzuzo ze-Social Security ukuze kuthole inzuzo yokuthola umshuwalense.
I-Social Security Administration ilinganisela ukuthi inzuzo evamile yomhlalaphansi iyonyuka cishe ngamaR2 500 ngenyanga, kusukela kuR2 015 kuya kuR2 071, kusukela ekukhokheleni okuphuma ngo-January 2026. Nokho, izinzuzo ezinkulu zingaba ziphakeme kakhulu kulabo abathola imali ephezulu noma ngaphezulu kwenkokhelo kuyo yonke imisebenzi yabo. Inzuzo enkulu engatholakala ngo-2026 ingaphezu kuka-R2,000 ngenyanga kulabo abalindela ukubhalisa kuze kube ngu-70 ubudala.
Isikhathi Sokusho: Ukuqonda Inkathi Yomhlalaphansi Ngokugcwele
Esinye sezinqumo ezibaluleke kakhulu ozozenza ngokuphathelene nokulondeka kwezenhlala- kahle siwukuthi uqala nini ukuqala ukuzifunela izinzuzo. Uma usengathi usemncane uneminyaka engu-62, ukwenza kanjalo kuhambisana nokwehliswa okuhlala njalo kwenzuzo yakho yanyanga zonke. Labo abaneminyaka engu-62 ngo-2026 bathola i-ecengter engaphansi kwengu-30% ngenyanga kunaleyo ababengayithola ngokulinda kuze kube yilapho sebethathe umhlalaphansi ngokugcwele ukuze basebenzise.
Iminyaka yokuthatha umhlalaphansi egcwele (FRA) iyahlukahluka kuye ngonyaka wakho wokuzalwa. Ngokuvamile, i-SSDI ihlanganisa izisebenzi ezineminyaka ephakathi kwengu-18 nengu-67 yobudala bomhlalaphansi (kunoma ubani ozelwe ngo-1960 noma kamuva), futhi uma usufinyelele iminyaka yomhlalaphansi egcwele, i-SSDI yakho izuza ngokuzenzakalelayo ekushintsheni umhlalaphansi nemali elinganayo. Ukulinda ngalé kwe-FRA yakho kuze kube iminyaka engu-70 kungandisa ngisho nangaphezulu izinzuzo zakho, ukwenza isinqumo esithi siyingxenye ebucayi yokuhlela umhlala - defu.
Ukusebenza Lapho Uthola Ukulondeka Komphakathi
AmaMelika amaningi ayaqhubeka esebenza ngemva kokuthi ayazisiza ngokwenhlalo noma ngesidingo. Nokho, uma uthatha inzuzo ngaphambi kokuba ufinyelele iminyaka yomhlalaphansi egcwele, izinzuzo zakho zingancishiswa uma uhola ngaphezu kwemikhawulo ethile. Isilinganiso seholo lama 2026 kubantu abangaphansi kweminyaka yomhlalaphansi unyaka wonke singuR2,44,480, kanye ne-Social Security Administration deducts (Izinzuzo zemali ezuzwe imali engu-R65).
Kulabo abathatha umhlalaphansi ngokuphelele ngo - 2026, imithetho inikeza imali eningi. Isilinganiso semali etholwa abantu abafinyelela eminyakeni yokuthatha umhlalaphansi singu - R260, futhi ingcono kakhulu. Uma usuneminyaka ephelele yomhlalaphansi noma ngaphezulu, ungagcina zonke izinzuzo zakho kungakhathaliseki ukuthi uhola malini.
Izindleko Zokulungiswa Kokuphila
Izinzuzo zeNyuselo yomphakathi zilungiswa ngonyaka ukuze zihambisane nokunyuka kwamandla emali, zisize abazuzayo ukuba balondoloze amandla abo okuthenga. Ngokusekelwe ekwandeni kwe-Consumer Price Index (CPI-W) kusukela engxenyeni yesithathu ye-2024 kuya kwingxenye yesithathu ye-2025, abaxhaswe i-Social Security ne-Someral Security In Security Indication, abamukela i-Econday yamaphesenti angu-2,8 ku-2026. Lokhu kulungisa kusiza abazuzayo ukuba izinzuzo zingalahlekelwa inani elinyukayo ngesikhathi ngenxa yezindleko zokuphila.
Umshuwalense Wokulondeka Komphakathi (SDI)
I-Social Security Disability Insizalo enkulu ezisebenzini ezingakwazi ukusebenza ngenxa yesimo esinzima sempilo. Ngokungafani nezinzuzo zomhlalaphansi, i-SSDI ixhomeke ekubolekeni umsebenzi kuphela kodwa nasebuqathani bobudala obulindelwe nokukhubazeka kwakho.
Izimfuneko Zokumelana Ne - SSDI
I-SSDI iyisimiso somshuwalense kahulumeni esilawulwa yi-Social Security Administration lapho ukhokha khona intela ngeholo eliyiholo, futhi uma ukhubazeka futhi ungasasebenzi ngezinga elifanele, ungathola izinzuzo zanyanga zonke ezisekelwe emlandweni wakho weholo. Inani lemali yokuthenga umsebenzi edingekayo liyahlukahluka uma ukhula, izisebenzi ezisencane zidinga izikweletu ezimbalwa kunezisebenzi ezindala.
Iphuzu eliyinhloko ku-SSDI elight lingu "umsebenzi onzima" (SGA). Ukuze ufanelekele i-SSDI, awunakwenza lokho i-SSA ekubiza ngokuthi umsebenzi ozuzisayo, futhi ngo-2026, i-SGA ingu-R2,690 ngenyanga kwabafaka izicelo eziningi kanye no-R2,830 ngenyanga kulabo abayizimpumputhe. Uma iholo lakho lidlula lezilinganiso, uthola ukuthi awufaneleki ngempela ukuba uthole izinzuzo zokukhubazeka.
Amalungiselelo Akhethekile: Izingane Ezikhulile Ezikhubazekile Ziyazuza
Isimiso esibalulekile semithetho ejwayelekile ye-SSDI yi-Adult Adult Child Child (DAC). Uhlelo lwezingane ezikhubazekile luvumela othile owakhubazeka ngaphambi kokuba abe neminyaka engu-22 ukuba aqoqe izinzuzo ze-SSDI ezisekelwe erekhodini lomsebenzi lomzali, hhayi ezezomzali, futhi umzali kumelwe athole umhlalaphansi wesokulondeka noma izinzuzo zokukhubazeka, noma afe. Leli lungiselelo libaluleke kakhulu kubantu abanokukhubazeka noma izimo ezibavimbela ukuba bathuthukise umlando wabo siqu wemisebenzi.
Ukucatshangelwa Kweminyaka Ecatshangelwayo Ekwamukelweni Yi - SSDI
Iminyaka inendima ebalulekile ekuzimiseleni ukukhubazeka, ikakhulukazi kuzisebenzi esezikhulile. I-SSA’s Grid Program inikeza ubunzima obukhulu ebudaleni lapho inquma ukuthi umuntu angazivumelanisa yini nomnye umsebenzi, futhi abacelayo abaneminyaka engu-55 nangaphezulu abanemfundo elinganiselwe nemingcele yomsebenzi wezandla bavame ukutholakala bengakwazi ukushintshela emsebenzini olula. Lokhu kuqaphela ukuthi izisebenzi esezikhulile zibhekene nezinselele ezinkulu ekuzivumelani nezinhlobo ezintsha zomsebenzi kungaholela ekuvunyweni ezimweni ezingase zinqandwe yilabo abacela umsebenzi abasebasha.
Ukuthola Ukulondeka Okunezelwe (SSI)
Nakuba ivame ukudideka ne-Social Security Disability Infication, i-Someral Security Infication iyisimiso esihlukile esinezimiso ezihlukile zokufuna ukukhokha nemithombo yezimali. Ngokungafani ne-SSI, edinga i-SSDI, iboshelwe embhalweni wakho wemisebenzi. i-SSI inikeza usizo lwezimali kubantu asebekhulile, abayizimpumputhe, nabakhubazekile abanomholo olinganiselwe nemali, kungakhathaliseki ukuthi basebenza kuphi umlando.
Ngo - 2026, iSomeral Security Indomel Federal Benefied Rate ingu - R2 800 ngenyanga kumuntu ofanelekayo noR2491 ngenyanga kumbhangqwana ofanelekayo. Lamanani amelela imali ekhokhwa i-SSI kahulumeni, nakuba ezinye izifunda zenezela lezizindleko ngokukhokha okwengeziwe.
I - Medicare: Isikhungo Sezempilo Sabantu Abagugile Nabakhubazekile
IMedicare isebenza njengesimiso esiyinhloko somshuwalense wezempilo waseMelika abaneminyaka engu-65 nangaphezulu, kanye nabantu abathile abasebasha abakhubazekile. IMedicare iyisimiso somshuwalense wempilo kahulumeni ngokuyinhloko kubantu abaneminyaka engu-65 nangaphezulu, kanti i-Medicaid iyisimiso esihlangene sikahulumeni esilungiselelwe abantu abahlawulwa kancane. Ukuqonda izingxenye ezihlukahlukene zeMedicare nendlela abasebenza ngayo ndawonye kubalulekile ekuthuthukiseni ukushumayeza kwakho impilo.
Ingxenye A: Umshuwalense Wezibhedlela
IMedicare Part A izikhungo ezinakekela abaguli, ukunakekelwa kwasebegugile, ukunakekelwa kwasebegugile, nezinye izinkonzo zezempilo zasekhaya. Abantu abaningi abakhokhi intela yeMedicare Part A uma banomlando owanele wokusebenza. Nokho, kusenezindleko zokucabangela, kuhlanganise nezindleko zokungakhokheli nokukhokhelwa kwemali yezindleko zokuhlala esibhedlela.
Ingxenye A esibhedlela esigulayo ihlanganisa ingxenye yezindleko zabazuzisi ezithatha izinsuku zokuqala ezingu-60 zokunakekelwa kwe-Medicare esibhedlela ezisezingeni elingcono, futhi ngo-2026, abazuzayo kumelwe bakhokhe imali ewuhlweza engu-R34 ngosuku ngosuku lwe-61 kuya ku-90 esibhedlela. Ukunakekela kwasebekhulile abanekhono, ukukhokha imali nsuku zonke izinsuku ezingama-21 kuya kwezingu-100 zezinkonzo zokunakekela ezingcono kuzoba ngu-R2,000 ngo-2026.
Ingxenye B: Umshuwalense Wezokwelapha
Ingxenye B ihlanganisa izinkonzo zodokotela, ukunakekelwa kweziguli, izinkonzo zokuvikela, nemishini yezokwelapha eqinile. Ngokungafani nengxenye A, abazuza kakhulu bakhokhela intela yengxenye B. Imali ekhokhelwayo yanyanga zonke egatsheni le-Medicara Part B ebhandenies iyakuba ngu $2026 [R72],90 ngo-2026, ukwanda koR2,90 kusuka kuR140,00 ngo-2025. Ngaphezu kwalokho, ukuncishwa kwaminyaka yonke kweMedicaractare Part B Livens kuzoba ngu-R22026, ukwanda ko $66222 (R7,256) kusuka kunyuko lwemali encitshisiwe ngonyaka ngo-2025.
Abazuza inzuzo ephakeme bakhokha ezinye izilinganiso nge-Inoned Monthly Selting Aults (IRMAA). Lezi zigcobo zisebenza kuzo zombili iNgxenye B nengxenye D ezisekelwe eholweni lakho elilungisiwe eliye lalungiswa kusukela eminyakeni emibili ngaphambili.
Ingxenye C: IMedicas Iyazuzisa
Amapulani e-Medicare angcono, ayaziwa futhi ngokuthi i-Part C, anikezwa izinkampani zomshuwalense ezizimele ezigunyazwe yi-Medicare. Lamacebo ahlanganisa i-Part A ne Part B futhi avame ukuhlanganisa nezinye izinzuzo ezinjengokukhokhelwa kwemithi kadokotela, amazinyo, amehlo, nezinkonzo zokuzwa. Amapulani e-Medicare anezinzuzo ahlela ezawo siqu, izindleko ezingakhokhwa, okungahluka kakhulu ku-kehluka kwe-ke produrary Medicare.
Ingxenye D: Ukuvalwa Kwezidakamizwa Ezingekho Endleleni
Ingxenye D inikeza imishuwalense yemithi egunyaziwe ezinkampanini zomshuwalense. Nakuba iNgxenye D ingatholakala kunoma ubani okhokhelwa ngeMedicare. Izinguquko zamuva zenze iNgxenyana D yanele kubantu abaningi abazuzayo. Ingxenye D izoveza ikepisi elingu-R2,100 laminyaka yonke elingekho kweyamaphilisi agunyaziwe, inikeza labo ababhekene nezindleko ezinkulu zemithi inethi lokuphepha.
Imali eshisiwe itholakala futhi ngohlelo lwezikhangiso zemilaliso ye-Medicare. Imali egciniwe ilindeleke ukuba inciphise imali esetshenziswa abamukeli ngezigidi eziyizinkulungwane ezingu-R2,5 ngo-2026, futhi ukuba intengo ephansi ibisebenza ngo-2023, i-Medicare ngokwayo ibingasindisa cishe amaRandi ayizigidi eziyizinkulungwane ezingu-6.
2026 Imithombo Yezokwelapha Iyavuselelwa Futhi Ishintshe
Izinguquko ezimbalwa ezibalulekile ku-Medicare zaqala ukusebenza ngo-2026. Imithetho emisha eyaqala ukusebenza ngo-January 1, 2026, idinga ukuba kuthathwe izinqumo zangaphambi kokugunyazwa kwe-Medicare kanye ne-Medicas zuzayo, njengoba i-CMS Internability ne-Preftive Resigional Imponence Ihlose ukuxazulula inhlekelele yangaphambili ngokuphoqelela amacebo okumisa izinqubo ezisheshayo, ezicace ngokwengeziwe nezisebenza ngogesi.
Kubantu abafuna ukuzuza emithini yesisindo, kusekhona izindlela ezintsha zokukhomba. Ama-Medicare Part D amapulani agunyaziwe anikezwa i-GLP-1-los atholakala nge-50,50 (R1,50) ngenyanga, enegazi elifakwayo i-Mounjaro, i-Ozempic, i-Wegovy ne-Zepgull kanye nephilisi le-Wegovy elilindeleke ukuba lisongwe, nakuba lingaqali nge-Julayi 2026.
IMedicaid: Izembozo Zempilo Zezingalo Eziphansi Abantu Nemikhaya
I-Medicaid inikeza umshuwalense wempilo kubantu abahhalelwa imali encane nemikhaya, isebenza njengesivumelwano phakathi kohulumeni bakahulumeni nohulumeni. I-Medicaid iwuhlelo oluhlangene nombuso olunikeza umshuwalense wempilo kubantu abahola imali elinganiselwe nempahla, futhi izifundazwe zinikezwa ithuba lokunikeza uhlelo ngaphakathi kweziqondiso zikahulumeni, ngakho imithetho yokuhlanganisa izindleko zingahluka kusuka kwesinye isifunda kuya kwesinye.
Ukuzitika Ngomzimba
Ukufaneleka kweMedicaid ngokuyinhloko kusekelwe emalini eholayo, njengoba izifundazwe eziningi zisebenzisa izinga lobumpofu likahulumeni njengephawu. Ngokuvamile, abantu abanezinga lemali eholayo ngaphansi noma ngaphansi kuka-88% wezinga lobumpofu likahulumeni bafanelekela iMedicaid, futhi ngo-2026, lokhu kusho ukuthi abantu abakha imali engaphansi kuka - R2,025 ngonyaka bayokufanelekela ezindaweni eziningi, nakuba i-Alaska neHawaii zinemigomo ehlukile efanelekayo.
UMedicaid usiza abantu abahlukahlukene, kuhlanganise nabantu abadala abathola imali encane, izingane, abesifazane abakhulelwe, abantu abadala nabanobukhubazeko. Lo hlelo lunikeza imininingwane ebanzi edlula kakhulu leyo enikezwa amaMedicaid. IMedicaid ihlanganisa izinkonzo ezengeziwe ngaphezu kwalezo ezinikezwa ngaphansi kweMedicare, kuhlanganise nokunakekela kwezindawo zokunakekela abahlengikazi okungaphezu kwezinsuku eziyikhulu noma ukunakekelwa kwezindawo zokunakekela abagugile abanolwazi olunezenzelwe iMedicara, izigqoko ezigunyaziwe, imithi yodokotela, izibuko zezibuko zezibuko zamehlo, kanye nezinsiza zindlebe.
Ukubhekana Ngokungafani: AmaMedicare Nesigungu Sindawonye
Abantu abaningi bafanelekela kokubili iMedicare ne-Medicaid, eyaziwa ngokuthi “akufanelekele. ” IMedicaid inikeza asebekhulile abaphansi abayizigidi ezingu-7,2 ababhaliswa eMedicare futhi babhaliswe kubantu abayizigidi ezingu-4,8 abakhubazekile ababhaliwe eMedicare, futhi abayizigidi ezingu-12 bephelele abafaneleka futhi babhaliswe kuzo zombili izinhlelo.
Kubantu abazuzayo abanokuzuza ngokulinganayo, le zinhlelo ezimbili zisebenza ndawonye ukuze zihlanganise konke. Uma uvakashela umnakekeli othatha kokubili iMedicare neMedicaid, uMedicare ukhokha kuqala izindleko zokunakekela kwakho, futhi uMedicaid ukhokha okwesibili, ukukhokha imali ekhokhelwayo, ukukhokha imali ebhayisekile kanye nezinye izindleko ezingahlanganisiwe. Lokhu kusebenza kunganciphisa kakhulu izindleko zokwelapha ezisezingeni eliphezulu kubantu abadala nabakhubazekile.
Izinhlelo Zokusindisa Imithombo
Izinhlelo zokulondolozwa kweMikhathizo yeMedicare zisiza ekukhokheleni imali ephansi ekhokhwayo yeMidicara, encishiswayo, nemali ekhokhwayo. Abanye abazuzisi abanezinzuzo ezimbili bangafanelekela ukukhokha izintela zeMedicare ku-Medare Savings Program, ehlose ukusiza abantu abaphansi ukuba bakhokhe imali emalini encitshiswe ngaphandle kwe-pacreet ehlangene ne-Medicara, ngohlelo ngalunye olunemali ehlukile nesilinganiso sokungakhokhi.
Isimiso Sosizo Lokudla Esinezakhi (SNAP)
I-SNAP i-Someral Nutrition Appration Program, eyaziwa kakhulu ngokuthi i-SNAP noma izitembu zokudla, isiza abantu abahhadlayo kanye nemikhaya ethenga ukudla. I-SNAP iyisimiso sosizo lukahulumeni lokudla okukhulu, ikhonza izigidi zamaMelika inyanga ngayinye. Uhlelo lunikeza izinzuzo zanyanga zonke ezifakwe ekhadini le-Electronic Republic Resposence (EBT) elingasetshenziswa kubadayisi abagunyaziwe ukuthenga ukudla okufanelekile.
UKUNGAGCINAZEKI Nezinzuzo
I-SPAP isekelwe emalini eholwayo yekhaya, izimali, nezindleko ezithile. Ngokuvamile, imikhaya kumelwe ihlangabezane nemingcele yemali eholayo nenamanethi, ehlobene nesilinganiso sobumpofu sikahulumeni. Isilinganiso se-SNAP sizuzisa umkhaya ngokuncishiswa kwemali etholwayo emakhaya, iholo, kanye nokuncishiswa kwezindleko ezivumelekile njengendlu nokunakekelwa kwabantwana.
IZInzuzo ze - SNAP zingasetshenziselwa ukuthenga ukudla okuningi okulungiselelwe ekhaya, kuhlanganise izithelo, imifino, inyama, imikhiqizo yobisi, izinkwa, okusanhlamvu, nezitshalo nezitshalo ezikhiqiza ukudla. Loluhlelo aluhlanganisi utshwala, ugwayi, ukudla okushisayo, noma ukudla okungaphekiwe.
Amalungiselelo Akhethekile E - SOPA
Abanye abantu bathathelwa ukucatshangelwa okukhethekile ngaphansi kwemithetho ye-SNAP. Abantu asebekhulile (asebeneminyaka engu-60 nangaphezulu) nabantu abakhubazekile bangafanelekela isilinganiso seholo eliphezulu kanye nemali eyengeziwe. Izindlu zamalungu asekhulile noma akhubazekile azinaso isilinganiso esiwusizo esisebenza kwezinye izakhiwo kwamanye amazwe.
Abafundi, abantu abadala abakwaziyo ukubhekana nezimfuneko ezengeziwe ezidinga ukufezeka, futhi abafuduki bazalwa bengenakho, ukuqonda lemithetho ekhethekile kubalulekile ekunqumeni ukuthi wena noma amalungu omkhaya wakho niyalufanelekela yini usizo.
Izimiso Zokusiza Ngezindlu
Izinhlelo zokusiza ngezindlu ezisezingeni eliphansi zisiza imikhaya ehola imali encane, abantu abadala nabantu abakhubazekile ukuba bathole izindlu ezilondekile nezihloniphekile. Lezi zinhlelo ziqondiswa uMnyango Wezindawo Zokwakha nezezeNguquko yase-U.S.
Ingxenye 8 Isimiso Sokukhetha Izindlu
ISimiso seNdlu Yokukhetha Indlu Voucher, esivame ukubizwa ngokuthi i-Program 8, uhlelo oluyinhloko lukahulumeni olusiza imikhaya ehhadla imali ephansi kakhulu, asebekhulile, nabantu abakhubazekile ukuze bakhokhele indlu emakethe yabo. Abahlanganyeli ngokuvamile bakhokha amaphesenti angu-30 emali yabo ekhushulelwayo enyanga zonke ngokukhokhelwa intela, kanye nomxhasi ohlanganisa umehluko olingana nendinganiso ebekwe yinhlangano yendawo yokukhokha izindlu.
Amavouch aphatheka kalula, okusho ukuthi imikhaya ingawasebenzisa noma kuphi eUnited States lapho umnikazi wezindawo emukela khona isiqephu 8. Lokhu kunikeza imikhaya ithuba lokukhetha indawo yokuhlala ehlangabezana nezidingo zayo kunokuba igcine ekwakhiweni okuthile.
Izindlu Zomphakathi
Izindlu zomphakathi zinikeza imikhaya ekhokhayo ehhalelwe imali ephansi engcono yokuqasha futhi ephephile kubantu abadinga imali ephansi, asebekhulile, nabantu abakhubazekile. Izindlu zomphakathi zivela ngezindlela ezihlukahlukene zobukhulu nezinhlobo, kusukela ezindlini ezinemikhaya eyodwa kuya emafulethini aphezulu emikhayeni egugile. Izinhlangano zendawo zezindlu zilawula izinhlelo zokuhlala zomphakathi futhi zinqume ukulingana okusekelwe emikhawulweni yemali emiswe yi-Hud.
Iprojekthi yosizo lwezingosi
Izinhlelo zosizo ezisekelwe kumsebenzi wokuqasha zinikeza izindlu ezibizayo ngokufaka izintela zezindlu eziqashiwe noma intuthuko. Ngokungafani nezakhiwo zokuhlala ezinamagumbi okukhetha Vouchers, usizo luboshelwe engxenyeni ye-lomshini kunokuba lube yi-patting. Uma i-ant ehambayo, ayinakuthatha indawo ephansi kanye nayo, kodwa omunye umkhaya ofanelekayo ungathuthela eqenjini eliphansi.
Usizo Lwesikhashana Emikhayeni Eswele (TANF)
Usizo lwesikhashana lwemikhaya edinga imali lunikeza usizo lwemali nezinkonzo ezisekelayo zokusiza imikhaya ethola imali ephansi enezingane ezikwaziyo ukuzisiza. U-TANF uyisimiso esinikezayo, okusho ukuthi uhulumeni kahulumeni unikeza izimali ezifundazweni, okuwumklamo nokusebenzisa izinhlelo zazo siqu ngaphakathi kweziqondiso zikahulumeni.
UMgomo Wesimiso Nezinkonzo Ze - TANF
U-TTANF unezinjongo ezine eziyinhloko: ukunikeza usizo emikhayeni eswele ukuze izingane zinakekeleke emakhaya azo, ukunciphisa ukuncika emsebenzini ngokukhuthaza ukulungiselelwa komsebenzi nomsebenzi, ukuvimbela ukukhulelwa okungagadiwe, nokukhuthaza ukwakhiwa nokunakekelwa kwemikhaya ekhulelwe emibili. I-STF isebenzisa izimali ukuze inikeze usizo lwemali, usizo lokunakekela izingane, ukuqeqeshelwa umsebenzi, ukusekela umsebenzi, nezinye izinkonzo eziklanyelwe ukusiza imikhaya ukuba izitholele usizo.
Izimfuneko Zomsebenzi Nemingcele Yesikhathi
Iningi labamukela i-TANF kulindeleke ukuba lihlanganyele emsebenzini, okungahlanganisa umsebenzi, ukusesha, ukuqeqeshelwa imisebenzi, noma umsebenzi womphakathi. Umthetho we-Federal ubeka isilinganiso sokuphila kwezinyanga ezingu-60 ngosizo oluxhaswe nguhulumeni, nakuba izifundazwe zingakhipha amaphesenti angu-20 ecala lazo kulo mngcele futhi zingasebenzisa imali kahulumeni ukuze zinikeze usizo olungelé kwezinyanga ezingu - 60.
Isimiso Sezinsana Nezingane (Wic)
I - Special Nutrition Program yabesifazane, izinsana, nezingane (WIC) inikeza izimali zikahulumeni zokudla okwengeziwe, ukunakekelwa kwezempilo, nemfundo yokudla okunomsoco yokukhulelwa okuncane, ukuncelisa ibele, nabesifazane ababelethayo, kanye nezinsana nezingane ezineminyaka emihlanu ezisengozini yokungondleki.
IZInzuzo Ezinkulu Nezinkonzo
I-WIC inikeza ukudla okunomsoco okuthile kokudla kwalabo abahlanganyela, kuhlanganise nokudla kwezinsana, ubisi, ushizi, amaqanda, okusanhlamvu, ibhotela lamantongomane, ubhontshisi owomisiwe, izithelo, nemifino. Lo hlelo lunikeza futhi imfundo yokondleka nokunikeza iseluleko, ukusekela ibele, kanye nama-hetrarys ezinkonzweni zempilo nezenhlalo.
UWIC akusona isimiso esigunyaza isilinganiso, okusho ukuthi iSishaya-mthetho asibekeli eceleni imali yokuvumela wonke umuntu ofanelekayo ukuba ahlanganyele. Kunalokho, i-WIC iyisimiso sikahulumeni esigunyaza i-Congress ukuba ixhase imali ethile unyaka ngamunye. Uma inani labafanelekela ukubhalisa lidlula ikhono lohlelo, isimiso esiza kuqala sisetshenziselwa ukunikeza labo abasengozini enkulu yokudla.
Umshuwalense Wokuntuleka Kwemisebenzi
Umshuwalense wokuntuleka kwemisebenzi unikeza ukusekela kweholo lesikhashana ezisebenzini ezilahlekelwa imisebenzi ngaphandle kwephutha lazo. Lolu hlelo luwubungane obuphakathi kukahulumeni nezwe, futhi izifundazwe zisebenzisa izinhlelo zazo ngaphansi kweziqondiso zikahulumeni. Izisebenzi zikhokha kulolu hlelo ngentela ezikhokhwayo, futhi abaqashi banikela.
Ukuhluleka Nokuzuza
Ukuze zifanelekele izinzuzo zokungasebenzi, izisebenzi kumelwe zihlangabezane nezimfuneko ezicatshangelwe uhulumeni ngokuphathelene nomlando wazo womsebenzi neholo. Ngokuvamile, kumelwe ukuba usebenze isikhathi esithile futhi uthole imali enciphile phakathi "nenkathi ephansi" ngaphambi kokuba ungabi namsebenzi. Kumelwe futhi ukwazi ukusebenza futhi ufune umsebenzi ngenkuthalo.
Inzuzo yemali kanye nesikhathi esizinzile kuyahluka ngokwe-memo kodwa kuvame ukusekelwa emalini oyitholile ngaphambili. Izifundazwe eziningi zinikeza izinzuzo ezingafinyelela emasontweni angu-26, nakuba lokhu kunganwetshwa phakathi nezikhathi zokungasebenzi okukhulu. Abamukela inzuzo kumelwe baqhubeke behlangabezana nezimfuneko zokunganeliseki, kuhlanganise nokubika imisebenzi yokufuna umsebenzi nokwamukela umsebenzi ofanelekile onikezwayo.
Abavuzi Bayozuza
I - Department of Veterans Affairs (VA) inikeza izinzuzo eziningi kakhulu komakad ’ ebona kanye nemikhaya yabo, kuhlanganise nokunakekela impilo, isinxephezelo sokukhubazeka, imfundo nokuqeqeshwa, imali ebolekwa ekhaya, umshuwalense wokuphila nezinzuzo zokungcwaba. Ukungathathi hlangothi kuyahluka kuye ngezici ezinjengobude benkonzo, isikhundla, ukukhubazeka, isilinganiso sokukhubazeka, neholo.
Ukunakekelwa kwempilo
Umnyango wempilo we-VA unikeza izinkonzo zezokwelapha ezibanzi ezifanelekela abantu abangomakad ’ ebona ezikhungweni zezokwelapha, emitholampilo engaphandle, nakumakhaya abantu. Usizo lokuqala lwempilo ye-VA lusekelwe ezicini ezihlanganisa ukukhubazeka okuxhunyaniswa nenkonzo, izinga lemali etholakalayo, nezinye izici ezikhethekile. Abanye omakadlelwano bathola ukunakekelwa kwempilo okukhululekile, kuyilapho abanye kungase kudingeke ukuze bakhokhele imali ngokusekelwe emholweni wabo.
Ukuncishiswa Kwemali
Inkokhelo yokukhubazeka inikeza intela yanyanga zonke komakad ’ ebona abakhubazekile abahlangene nenkonzo yabo yezempi. Imali ixhomeke ebuqathani bokukhubazeka, obulinganiselwa ku-0% kuya ku-100% ngokwenani elingu-10%. Ama-Vertans anesilinganiso esiphakeme sokukhubazeka athola imali ekhokhelwa kakhulu inyanga yonke, futhi imbuyiselo eyengeziwe ikhona konokuhlangenwe nakho abancikelwe noma abakhubazekile abanzima.
Imfundo Izuzisa
I-GI Bill nezinye izinhlelo zemfundo ze VA zisiza omakad’ebona, amalungu enkonzo, nemikhaya yabo ukuba bakhokhele amakholiji, ukuqeqeshelwa umsebenzi, nezinye izinhlelo zokufundisa. I-Post-9/11 GI Bill, inzuzo ebanzi kakhulu yemfundo, ingakhokha izindleko ezigcwele zemfundo yasemasimini asezindaweni zomphakathi zamakolishi omphakathi, inikeza ihholo lezindlu zanyanga zonke, nezincwadi zokwemboza kanye nezinto ezizosetshenziswayo.
Imali Yentela Ekhokhelwayo (EITC)
I-Inhood Taxis Credit ikhokha intela ekhokhelwayo ngokuncishiswa kwentela abantu abasebenzayo nemikhaya abasebenzayo abasebenzayo abakhokhelwa ngokusesilinganisweni. I-EITC inciphisa imali ebolekwayo yentela futhi ingaphumela ekubuyiseleni intela, ngisho noma ingekho intela eboletwayo. Imali yokukhokhwa ixhomeke emalini ehholweni, esimweni esiphezulu, nasenanini lezingane ezifanelekelayo.
UKUHLALA Ungenasici Nezinzuzo
Ukuze ufanelekele i-EITC, kumelwe ukuba uzuze imali oyiholayo emsebenzini noma emsebenzini, uhlangabezane nesilinganiso esithile seholo, futhi wanelise ezinye izimfuneko. Izisebenzi ezingenabantwana zingafanelekela ukuthenga imali encane. I-EITC iklanyelwe ukwenezela iholo lezisebenzi ezihola imali encane futhi ikhuthaza umsebenzi.
Udumo lungatholakala, okusho ukuthi uma isikweleti sidlula inani lentela ekweletwayo, umkhokhi wentela uthola umehluko njengemali egciniwe. Lokhu kwenza iEITC ibe ithuluzi elinamandla lokususa imikhaya esebenzayo ebumpofwini futhi inikeze ukuqina okungokwezimali.
Ukukhokha Intela Yezingane Nokukhokha Intela Kwezingane Ngokwengeziwe
Intela yezingane ikhokhela ingane ngayinye eneminyaka engaphansi kweye-17 ukukhokha intela yentela. Imali yokuthenga intela yezingane iyingxenye ekhokhelwayo yentela yentela yezingane, etholakala emikhayeni engakwenzi ukukhokhwa okuphelele.
Ukufanelekela Ukukhokha Intela Yezingane
Ukuze isho ukuthi i-Child Tax Crease Creding, ingane kumelwe ibhekane novivinyo oluningana, oluhlanganisa ubuhlobo, ubudala, ukuhlala, ukusekela, nokuthembela kuwe. Ingane kumelwe ibe indodana yakho, indodakazi, umzanyana, umfowenu, umfowabo womntwana, umzanyana, umlandeli, noma umzukulu wanoma isiphi salezi zinto. Kumelwe ukuba ingane ineminyaka engaphansi kwengu - 17 ekupheleni konyaka wentela futhi kumelwe ukuba ihlale nawe isikhathi esingaphezu kwengxenye yonyaka.
Isimiso Sokusiza Ngamandla Asekhaya Esiphansi (LIHEAP)
I-LIHEAP isiza imikhaya engenisa imali encane ikhokhela izikweletu zayo zokufudumeza nokupholisa, futhi inikeza usizo lapho kunezimo eziphuthumayo ezihlobene nogesi. Uhlelo luxhaswe ngezimali zezindawo zikahulumeni ezikhona, eziklanywe futhi zisebenzise izinhlelo zazo siqu zingaphakathi kweziqondiso zikahulumeni.
Izinkonzo Ze - LIHEAP
I-LIHEAP ingasiza ngezindleko zokufudumeza nokupholisa, usizo lwamandla, ukulungisa isimo sezulu namandla ahlobene nokulungisa ikhaya, kanye nokweluleka ngemali ehambisana nogesi. Ukungasetshenziswa kahle kwemali kusekelwe emalini eholweni, okunikezwa kuqala emikhayeni enemali eshibhile ephansi kakhulu nezindleko zamandla noma izidingo ezinkulu kakhulu, ikakhulukazi lezo ezinamalungu asengozini njengezingane, abantu abadala, noma abantu abakhubazekile.
Ukusebenzisa Izinzuzo: Ukucabangela Okubalulekile
Izinhlelo zezenhlalo eziphumelelayo zidinga ukuqonda izinqubo ezisebenzayo, ukuqoqa izincwadi ezidingekayo nokuhlala wazi ngamalungelo nemithwalo yakho yemfanelo njengendlalifa.
Izimfuneko Zommesezi
Izinhlelo eziningi zezenhlalo zidinga imvume ebanzi ukuze kuqinisekiswe ukuthi i-pilig. Izincwadi ezivamile zihlanganisa ubufakazi be-'ilayisense yomfula, i-passport, isitifiketi sokuzalwa), izinombolo ze-Social Security yamalungu onke endlu, ubufakazi bemali eholayo (izindinyana, imbuyiselo, izitatimende ezizuzisayo), ubufakazi bemithombo yemali (izimemezelo zobhange, ukugcinwa kwemali) kanye nobufakazi bezindleko (amaridi, izikweleti zenzuzo, izikweleti zenzuzo zokwelapha).
Kubuthwa amadokhumende ngaphambi kokuba uqale uhlelo lwakho kungathungatha inqubo bese kucutha izibambezelo. Gcina amakhophi awo wonke amadokhumende owahambisayo, futhi ugcine ihele lokubhalelana nabaphathi bohlelo.
Izinhlelo zokusebenza
Izinqubo zohlelo ze-social Security and Medicare izinhlelo zingaqedwa ku-inthanethi ku www.ssa.gov, ngocingo, noma ngumuntu ehhovisi lezokuvikela le-social . Izinhlelo ze-medicaid zifakwa ngezinhlangano zika-System Mmakethe ye-Health. Izinhlelo ze-SAP zihlelwa ngokwezwelo noma ngezinhlangano zendawo, ngokuvamile ngezindlela zokusebenza ezitholakalayo ku-inthaneti.
Izinhlelo eziningi zinezikhathi eziqondile ezimisiwe noma ezithathayo. Imedicare inezikhathi zokuqala zokubhalisela, inkathi yokubhalisela yaminyaka yonke, nezikhathi ezikhethekile zokubhalisela. Ukuqonda lezi zithombe ezithatha isikhathi kubalulekile ukuze kugwenywe izikhala zokufihlwa noma izijeziso zesikhashana.
Ukunxusa Nezikhangiso
Uma uhlelo lwakho lwenqatshelwa noma ungavumelani nokuzimisela okuzuzisayo, unelungelo lokudlulisa. Uhlelo ngalunye lunenqubo yalo yokunxusa enezilinganiso zesikhathi nezimiso ezithile. Ngokuvamile, kufanele ubhale ukudlulisa kwakho phakathi nezinsuku ezimbalwa ngemva kokuthola isaziso sokuphika.
Inqubo yokudlulisa izicelo ihilela amazinga amaningi, kusukela ngokubukeza noma ngokwethukela, ukuqhubekela enkantolo phambi komahluleli womthetho ophethe, futhi ngokunokwenzeka nokuqhubeka enkantolo kahulumeni. Ukuba nemibhalo yokusekela icala lakho nokuqonda izizathu eziqondile zokuphika kubaluleke kakhulu ekudluliseni ngokuphumelela.
Ukubika Izinguquko
Izinhlelo eziningi zifuna ukuba ubike izinguquko ezimweni ezingathinta izinga lakho lokuvuleka noma inzuzo. Izinguquko ezivamile zihlanganisa izinguquko zemali, ukuqamba kwasekhaya, ikheli, isimo somsebenzi, noma imithombo. Ukwehluleka ukubika izinguquko zingaphumela ekukhokheleni imali eshisiwe, noma ukukhokha okungakushiya ungenazinzuzo onelungelo lokuzithola.
Ukuzivikela Ekukhwabaniseni Nasebuqondweni
Ngeshwa, abakhwabanisi bavame ukuhlasela abantu abafuna noma abathola izinzuzo zikahulumeni.
Ukukhohliswa Okuvamile Kwezokulondeka Komphakathi
Izinkonzo Zezokuphepha Zezenhlalo azikho ngesihle, futhi ayikho inhlangano kahulumeni noma inkampani enedumela elihle eyokucela ukuba ukhokhele ukwaziswa kwakho siqu noma icele intela ephakeme yezinkonzo eziwuhlobo lokudlulisa ucingo noma amakhadi ezipho, ngakho kufanele ugweme ukuba isisulu sezingcingo zokukhohlisa namacebo okuphana nge - Internet ngokungavezi ukwaziswa komuntu siqu, ngokungakhethi amanyunyana ayingozi, noma ngokuvula imincintiswano enonya.
Abakhohlisi bangase bathi inani lakho lokulondeka kweNtlango lincishisiwe, ukuthi ukweleta imali kuyi - Social Security Administration, noma ukuthi kudingeka uqinisekise ukwaziswa kwakho ukuze uqhubeke uthola izinzuzo. Khumbula ukuthi i - Social Security Administration ayisoze yakusongela, ifuna imali esheshayo, noma idinga ukukhokhwa ngekhadi lesipho, ikhadi elikhokhelwe kusengaphambili, noma ukuthunyelwa kocingo.
Ukukhwabanisa Kwezimemezelo Nezibheja
Ukukhwabanisa kweMedicare ne-Medicaid kungathatha izindlela eziningi, kuhlanganise ukwebiwa kwemininingwane, ukubhalisa izinkonzo ezinganikezwanga, ukunikeza izinkonzo ezingadingekile, nokuhlanekezela izinkonzo ezinikezwayo. Khusela izinombolo zakho zeMedicare ne-Medicaid njengoba ubungenza izinombolo zamakhadi akho okuthenga ngesikweleti.
Bukeza i-Medicare Complete Nophatho Lwezinzuzo ngokucophelela. Uma ubona izikhangiso zezinkonzo ongazamukelanga noma abaqashi ongavakashanga kubo, bika ngokushesha kulokhu kukhwabanisa kohlelo.
Ukuvikela Ukwaziswa Kwakho
Ungayiniki inombolo yakho ye-Social Security, iMedicare, noma okunye ukwaziswa komuntu okuthintayo umuntu othintana nawe ungacelanga. Izinhlangano zikahulumeni ezisemthethweni ngeke zimshayele ucingo, i-imeyili, noma uthumele imiyalezo ocela lokhu kwaziswa. Uma ungaqiniseki ukuthi ukuxhumana kwakho kungokomthetho yini, kubeke futhi ushayele inxusa ngokuqondile ngenombolo yocingo oyitholayo ngokuzimele, hhayi ngeyodwa enikezwa ucingo.
Izinzuzo Ezintsha Zentela Kubantu Abakhulile Ngo - 2026
Izinguquko eziphawulekayo zentela ngo - 2026 zinikeza usizo olwengeziwe kubantu abadala abaneminyaka engu - 65 nangaphezulu ukuhlehla kwentela entsha ehholo leNhlala - kahle yabantu abadala baseMelika ngo - 2026, njengoba incishiswa kabusha imali ekhokhwayo elinganiselwa ku - R1 500 kwabakhokhi bentela abafanelekayo.
Abafaki bamafayili ngabanye abanoshintsho oluhle lwemali etholakalayo efinyelela kuR250 000 noma imibhangqwana eshadile ehlangene kanye ne MAGI efinyelela kuR150 000 ingabiza imali egcwele engu - R150 000, kuyilapho abantu abahola imali engafinyelela kuR450 000 kumafayile azimele noma uR250 000 emibhangqwana eshadile bangathola intengo encishisiwe. Lentengo yesikhashana ihamba ngonyaka wentela ka - 2028 futhi inganikeza imali enele yentela kubantu abadala abafanelekayo.
Ukuhlela Ikusasa: Ukunciphisa Izinzuzo Zakho
Ukuhlela izinto ngendlela ehlelekile kungakusiza ukuba uthuthukise izinzuzo ozithola ezimisweni zokuthuthukisa umphakathi phakathi nokuphila kwakho konke.
Izinzuzo Eziningi Ezinikeza Izinzuzo
Abantu abaningi bafanelekela izinhlelo eziningi ngesikhathi esisodwa. Ukuqonda indlela izinhlelo ezisebenza ngayo kungakusiza ukuba ukhulise izinzuzo. Ngokwesibonelo, ukuthola izinzuzo ze-SNAP akukuvimbeli ekutholeni i-Social Security, futhi ukubhaliswa eMedicare akukwenzi ungafaneleki eMedicaid uma uhlangabezana nezimfuneko zemali.
Ezinye izinzuzo zingathinta abanye. Ngokwesibonelo, izinhlobo ezithile zemali zingabalelwa ekutholeni isilinganiso esiphezulu sezinhlelo ezihlolwayo. Ukusebenza nomeluleki noma isisebenzi sezenhlalakahle kungakusiza ukuba uqonde lokhu kuxhumana futhi wenze izinqumo ezisekelwe olwazini.
Izinqubo Zokuhlela Ezithatha Isikhathi Eside
KuSocial Security, cabangela icebo lakho lokuzisholo ngokucophelela. Nakuba ukuthi usheshe unikeze imali, ukulinda kungaphumela ezinzuzoni eziphakeme kakhulu zokuphila kwakho, ikakhulukazi uma unobude bokuphila. Imibhangqwana eshadile kufanele ixhumanise amasu ayo okuthi ifuna ukuphumelela ngokushesha.
KuMedicare, hlola amakhonsathi akho esikhathi sonyaka wonyaka wokubhalisela. Ukunakekela impilo yakho kudinga nokushintsha okukhona ngokuhamba kwesikhathi, futhi ukushintsha amacebo kungaphumela ekuhlanganiseni kangcono noma ezindlekweni eziphansi. Qhathanisa namapulani okusiza amaMedicare, amapulani e-Medicale Engile Engenawo umphetho, kanye nama-Exchange Medicare ukuthola ukuthi isimo sakho sikulungele kahle kangakanani.
Ukuhlala Unolwazi
Izinhlelo zomphakathi zishintsha njalo ngomthetho, imithetho, kanye nohlelo. Ukuhlala wazisiwe ngezinguquko ezithinta izinzuzo zakho kubalulekile. Yenza i-akhawunti ye- ye-social Security [ ukuze ufinyelele irekhodi lemali oyitholayo, inzuzo yezilinganiso, nezaziso ezibalulekile kuyi-inthanethi. Sisayinela ukushintshwa kwe-imeyili evela kwi-Social Security Administration, i-Medicare, nezinye izinhlelo ohlanganyela kuzo.
Bheka amawebhusayithi kahulumeni asemthethweni engolwazi oluqondile, oluqonde--ye-osuku lokwaziswa. I-Social Security Administration (] www.sa.gov), iMecare ( www.metare.v), kanye namanzuzo.gov ([[FLTLT: 4.] www.befitns.v[FLT][FLT]][FLT]]) inikeza ulwazi olubanzi ngo-engibilikayo, izinzuzo, izinzuzo, nezinqubo.
Ukufuna Usizo Olungochwepheshe
Izinhlelo zezenhlalo zingaba yinkimbinkimbi, futhi usizo lochwepheshe luwusizo kakhulu. Amahhovisi eNtlango yoKhuseleko lwezenhlalakahle anikeza usizo mahhala ngemibuzo ye-Social Security and Medicare. State Health Inshuwarence Applications programs (Izikhungo ze-Msika) inikeza iseluleko ngesihle, esingacatshangelwe. Izinhlangano zosizo olungokomthetho zingasiza ekufakeni izikhalo kanye nezindaba eziyinkimbinkimbi.
Qaphela noma ubani okhokhela izinkonzo ezitholakalayo mahhala ezinhlanganweni zikahulumeni.
Imithombo Yokwaziswa Okungeziwe
Kunemithombo eminingi etholakalayo ekusiza ukuba uqonde futhi ufinyelele izimiso zezenhlalo:
I-Sacial Administration: Ukuhambela i www.FLT].ssa.gov noma ukubiza 1-800-7721213 (TTY 1-325-325-078) yolwazi mayelana nomhlala-phansi wezenhlala-mphakathi, ukukhubazeka, nezinzuzo zabasinda, kanye ne-Medicareare.
AmaMedicari: Ukuvakashela ingosi.metare.gov noma ukubiza u-1-800-MEDICARE (1-633-427, TTTY 1 8877-48-86) malunga nenkokhelo ye-Medicare, nezindleko.
Medicaid: Hlanganisa ihhovisi lakho lezwe leMedicaid ukuze uthole ukwaziswa okuphathelene nokulunga nenzuzo esifundazweni sakho. Thola inxusa lezwe e-Medicaid.gov.
SNAP: Xhumana nesifundazwe sakho noma ihhovisi le-SNAP ukuze usebenzise izinzuzo. Thola ihhovisi lakho lendawo ku www.fns.usda.gov/snap/snap-directory.
Benefit.gov: Le webhusayithi inikeza ithuluzi elizuzisayo elikusiza ukuba uthole izinhlelo ongazifanelekela ngokwezimo zakho.
Isimiso se-State Health Information Applications (Imikhumbi): Lezinhlelo zinikeza iseluleko samahhala se-Medicare. Thola i-Ntaba yakho yasekhaya engosini ye- www.iphesenti org noma ngokubiza 1 8877 83-2675.
Ukufuna i-Universal loreare: Ukushayela ucingo 1-800-16 noma ukuvakashela ingosi ye- www.eldercare.acl.gov ukuze uthole imithombo yendawo yasebekhulile, kuhlanganise nokweluleka ngezinzuzo, usizo olungokomthetho, kanye nezinkonzo zokusekela.
Isiphetho
Izinhlelo zomphakathi ziyisivikelo esibalulekile esisekela izigidi zaseMelika ngokuthatha umhlala-phantsi, ukukhubazeka, ukugula, ukungasebenzi, nezinye izinselele. Ukuqonda lezi zinhlelo − kuhlanganise ne-Social Security, Medicare, Medicaid, SNAP, usizo lwezindlu, kanye nezinye izindlela eziningi zokuthola izinzuzo ozitholile noma ozifanelekela ngokwezimo zakho.
Ukuma kwezinhlelo zezenhlalo kuyaqhubeka kushintsha, kunezinguquko ezizuzisayo, izimfuneko ezifanele, nezinhlelo zenzeka njalo. Ukuhlala wazi ngalezinguquko, ukuqonda amalungelo akho nemithwalo yemfanelo, ukugcina amarekhodi anembile, nokufuna usizo lapho ludingeka kuyokusiza ukuba uqondise lezi zinhlelo ngokuphumelelayo futhi kwandise izinzuzo wena nomkhaya wakho eningazithola.
Kungakhathaliseki ukuthi uhlela umhlalaphansi, ubhekene nokukhubazeka, ubhekene nobunzima obungokwezimali, noma usiza ilungu lomkhaya ukuba likwazi ukungena ezinkonzweni ezidingekayo, ulwazi nemithombo ebekwe kulesi siqondiso kunikeza isisekelo sokuqonda nokufinyelela izinhlelo zezenhlalo zaseMelika. Zinike isikhathi sokuhlola izinhlelo ezihlobene nesimo sakho, qoqa imibhalo edingekayo, futhi unganqikazi ukufinyelela kubaphathi bezinhlelo noma abeluleki bosizo. Le zinhlelo zikhona ukuze zikusekele uma uzidinga kakhulu, ukuyiqonda indlela yokuqala yokuzifinyelela ekutholeni usizo olufanele.