Ngaba Ukhokelela Kwindlela Yokuphila Ephilileyo?
Yikholwa okanye akunjalo, impilo inokuthi ukuba unokufuna unonophelo! Abantu abaphelile kakhulu bahlala befuna uncedo lwengcinezelo ebudeni bexesha elide ebomini, ngelixa iingxaki zentliziyo okanye umhlaza ungathabatha abantu abangenabungozi ngokukhawuleza.
Enye yeenzuzo zomshuwalense wexesha elide kumntu onempilo unokukuvumela ukuba uhlale ekhaya lakho kwaye ugcine ukuzimela kwakho ixesha elide. Uyakwazi ukuhlala ekhaya ngenxa yokuba ezininzi iinkqubo ezikhutshwe namhlanje zihlawula indleko zonyango lwangaphakathi ekhaya, ezinokunceda umntu ukuba ancede ngemininzi yemisebenzi yokuphila kwansuku zonke , njengokupheka nokucoca. Ngokuqhelekileyo, kufuneka ufune uncedo ngemisebenzi emibini kwimisebenzi yesithandathu yempilo yakho yemihla ngemihla ukufumana uncedo lwexesha elide ukuqala.
2. Yintoni ebonisa kwiNtsapho yakho yeMpilo yezeMpilo?
Ziyintoni ixesha elide kunye nempilo enjengebakhulu nomkhulu, abazali, oomama, oomama, kunye nabantakwabo? Ngaba kukho umntu ofuna ukunyamekela kamva ebomini? Ngubani na oya kubancedisa? Kuthekani ukuba bafuna unonophelo? Bekuya kuthintela njani intsapho?
Namhlanje, iintsapho ezininzi zisasazeka kulo lonke ilizwe, okwenza kube nzima ukuthembela kwintsapho ngenxa yeemfuno zonyango. Kwakhona unokuba nzima ukunyamekela umntu, kwaye amalungu enu entsapho asenokungakwazi ukubonelela ngoncedo olufunayo.
Esinye sezizathu zokuba abantu bathenge i-inshorensi yexesha elide ngenxa yokunciphisa umthwalo wokunyamekela onokunye ukuwa kwabathandekayo. Inkcazo yonyango yexesha elide yenza ukuba uhlawule ukunyamekela ootitshala ukuze intsapho yakho ingathwali msebenzi.
Luhlobo Luni Lokukhathalela Unokulufuna?
Kuthekani ukuba uyaphula umlenze emva koko ebomini?
Kuthekani ukuba ingqondo yakho ihlale isilumkile, kodwa ufuna uncedo lokupheka, ukucoca, nokugqoka, kwaye awufuni ukungena kunye nelungu losapho? Ngubani oza kunceda kwaye uza kuhlawula njani uncedo lwabo?
Uncedo lononophelo lwengqesho elide lwexesha elide lunokuqhuba i $ 6,000 - $ 10,000 ngenyanga, nokuba ngaphezulu xa kunonyango olufunekayo. Ukuba unempahla eyaneleyo yokugubungela le ndleko, ke awukho mfuneko yomshuwalense wexesha elide. Ukuba awunayo impahla eyaneleyo, ngaphandle kwe-inshorensi yonyango yangexesha elide , uya kugqiba ukuchitha imali yakho, uze ubone ukuba unako ukufumana iMediicaid. Intshuwalense yexesha elide iyakuthengisa ixesha kwaye ikuvumela ukuba ufumane unonophelo lwempilo.
Ngaba Unokuyithintela, okanye Ngaba unganqwenela ukungabi nayo?
Intshurensi yenkathalo yesikhatho eside inomsebenzi onokuyilungisa. Njengokuthenga imoto, unokufumana zonke izinto ezongezelelweyo, kwaye uzihlawulele, okanye ungathenga umzekelo wesiseko obiza ngexabiso kodwa unganikezela ngokuhamba ngokufanelekileyo. Injongo engundoqo ye-inshorensi yexesha elide ifana nayo nayiphi na inshurensi: unokuhlawula iiprayimari iminyaka kwaye ungalokothi usebenzise i-coverage.
Kufuneka ukhangele ngendlela efanayo noluphi na uhlobo oluthile lomshuwalense. Emva kokuhlawula i-inshurensi yomnini-mali ngeminyaka, ngaba uyacaphukisa ukuba ikhaya lakho alizange litshise kwaye awuzange usebenzise i-inshorensi yakho?
Akunjalongo noko! Uyonwabile ukuba awuzange ufumane into enzima kangaka.
Xa kuziwa kwisixa sokubhengezwa, awukwazi ukufuna umgaqo we "Cadillac". Kunoko, hlalutya umlinganiselo wokunakekelwa kwexesha elide ongayifumana ngokuqwalasela ezinye iimithombo zengeniso. Mhlawumbi umgaqo-nkqubo ohlanganisa i-$ 100 ngosuku, kunye nomthengi wokunyuka kwemali, kuya kukwanela xa ububala kwakhona ukhuseleko lwakho lwezeNtlalo kunye nemali yengeniso yomhlalaphantsi.
Ukuba unomvuzo omncinci kwaye uninzi lokulondolozwa, mhlawumbi kuya kufuneka uxhomekeke kwi-Medicaid xa ufuna ukunyamekelwa kwiminyaka yakho emva . Ukuba unempesheni enhle kunye nezigidi ezimbini okanye ngaphezulu ukugcinwa, unokuziva ukhululekile kuba ngumntu okhuseleyo, oku kuthetha ukuba uhlawula i-pocket ukuze unakekele. Ukuba iifomali zakho ziphakathi kwezi zimbini, ukufumana ingcaciso ebalulekileyo yeprayim efanelekileyo kunokuba ngumgcini wezinto zokuphila kwakho kwiminyaka yakho emva.
Ziziphi iingxaki?
Ngokwezibalo ezivela kwi-American Association ye-Intshuwalense Yesikhokelo Sexesha Elide, "ithuba lokuphila lokukhubazeka ubuncinane kwimisebenzi emibili yokuphila kwansuku zonke, okanye ukungazinzi kakuhle, i-68% kubantu abaneminyaka engama-65 nangaphezulu." Kuqikelele ukujonga izibalo, kodwa iingxaki zakho ziba zero okanye 100%. Uyakufuna unonophelo okanye awuyi kuthi. Ukuba ufuna ukunyamekelwa ngaphezu kweenyanga ezine okanye ezintlanu, uya kuvuya ukuba unomshuwalense wexesha elide.
Isishwankathelo seNzuzo kunye neNgxaki yeNtshuwalense yeNkcazo yexesha elide
Inzuzo yomshuwalense wexesha elide unonophelo lonyango kukuvumela ukuba ugcine ukuzimela kwakho, ukubonelela ngononophelo lwengqondo, nokunciphisa uxinzelelo lwezezimali nezengqondo ukuba isiganeko sokunyamekela ixesha elide kubangela intsapho. Ingqumbo yindleko zeeprayimari.
Nokuba uthenga i-inshorensi okanye cha, uya kufuna ukuba nesicwangciso endaweni ukwenzela ukuba wena kunye nosapho lwakho nifunde ukuba nenzeni ukuba ufuna unonophelo. Esi sicwangciso sithetha ukuthetha kunye nosapho kunye nabahlobo malunga nokukwazi kwabo ukunceda, ukuba kwaye nini xa uncedo luncedo. Ungaphinda ufune ukuqwalasela ezinye iindlela zokunakekelwa kwe-inshorensi yenkathalo yenkathalo yesikhathi eside njengokwenza amalungiselelo okuhlala kunye nabahlobo okanye intsapho okanye uhambele kwindawo yolondolozo oluqhubekayo.