Xa uzama ukulungelelaniswa neMedicaid ukunakekelwa kwenyango, okanye kwikhaya lononophelo, inzuzo, ifomula esisetyenzisiweyo ibandakanya oko kubhekiselwa kuyo njengempahla yezindlu okanye izibini ezitshatileyo.
Le nto ibaluleke kakhulu ekufunyenwe kuyo xa izama ukufumana umlingane kwi-Medicaid. Iquka ixabiso kwiibini zombini kunye kunye namagama.
Uluntu Umlingani Isibonelelo seMithombo
Uluntu Umlingani weMithombo yeeMithombo yeMithombo yemvume ivumela ukuba imali ethile ye-asethi igcinwe kumlingane ophilileyo. Le mali inqunywe kwinqanaba likarhulumente, ukuqinisekisa ukuba umlingani ophilileyo akafakeli intlupheko ngenxa yokunyamekela / ukuhlawula iimfuno zabo zesifo. Iimpahla ezipheleleyo zezindlu (ezidibeneyo kunye nokubanjelwa ngabanye) kufuneka zisetyenziswe phantsi kwinqanaba elinqunywe lizwe. Eli nqanaba lihlala likhuselwe ukusetyenziswa kweqabane eliphilileyo. Xa amaxabiso asetshenzisiwe phantsi kwelo nqanaba, ke iqabane elifuna unonophelo lifanelekele iinjongo zeMedicaid. Oku kuba yimeko exhaphakileyo kunye nabantu abaguga, kwaye isicwangciso se-SPIA esilungeleleneyo sinokukunceda ukukhusela iifayili zakho ukuba ziphelile.
Ukuthengwa kwe-Premium Single Premium Annuity kunokuba luncedo kwi-calculation assets, kuba ingabonakaliswa njengomjelo oqokelelweyo kunye kwaye ayixhomekeke kuhlengahlengiswa kwezinto ezisetyenziselwa ukuhlawula iindleko zohlobo lokukhathalela. Kukho izikhokelo malunga nexesha lokuthenga i-annuity, ngoko kuyimfuneko ukufuna isikhokelo.
Awukwazi ukuthenga umvuzo emva kokuba umlingane usebenzisa ulondolozo oluninzi, kwaye ulindele ukuba i-asethi ikhuselwe phantsi kwemithetho ye-CSRA. Oku kukucwangcisa phambili.
Ubani onokukukhokela kwi-SPI Intengiso enokuyenza njengoNyaka weMalicaid Annuity?
Ukuba ihlelwe ngokufanelekileyo, ivunyiwe kwaye isayinwe ngabacebisi berhafu abafanelekileyo kunye neengcali zengcali zomthetho, ii-SPIA zoCwangciso lweMilicaid zivumela ukuba ufumane uncedo olongezelelweyo ngoncedo lweMedicaid kwaye ulondoloze iimpawu zakho ze-asethi, iindlalifa kunye nabaxhamli.
Xa abantu basebekhulile bafuna imfuneko yokuba baninzi bafumane ukugcinwa kohlobo lokunyamekela. Isicwangciso sobuqili seMedicaid singanikeza ukuzinza okufunekayo kunye nokukhuselwa kwempahla abantu abanqwenela kulolu hlobo lobomi obunzima. Imithetho ye-IRS ingaba yimiba ecaleni kule miba emva kokuchitha ubomi bakho bakhokhe irhafu, ukugcina imali, nokwakha umthamo wakho. Ngethamsanqa, ukulungiswa kunye nokusetyenziswa kwe-Premium Single Premium Annuity (SPIA) phantsi kwe-"Medicaid Annuity" ibhanki inokubonelela ngeziqinisekiso ezifunekayo ngelixa ilandela yonke imithetho ekhoyo ngoku.
Soloko Sifuna Isikhokelo Esivela kwiCPA efanelekileyo kunye noLondolozo lwabadala kwi-Advocate malunga neMedicaid Planning Annuity.
Akufanele uyenze ngokwakho xa kuziwa kuCwangciso lweMedicaid kunye nokuphumeza isicwangciso se-Medicaid annuality strategy.
I-CPA efanelekileyo okanye ummeli wocwangciso lomdala kufuneka ahlale esayine kwaye avume phambi kokuqhubela phambili nangayiphi na inkqubo yokuphunyezwa kwemveliso. Kukho iinkcukacha ezininzi ezifuneka ukulungiswa ngokuchanekileyo ukuze kungabangeli imiba enokuthi i-IRS, kwaye imithetho iyahluka ngobuso.
Umzekelo, i-Community Spouse Allowance Allowance (ebizwa ngokuba yi-CSRA) imigaqo ethile kunye namanqanaba e-asethi kufuneka imiselwe kwaye ilandelwe ukuze iqabane elidinga i-Medicaid lifumaneke ngokufanelekileyo. Kukho amanye amanyathelo afunekayo okumele alandelwe, kwaye inkqubo inokuba yinkimbinkimbi, inzima, kwaye ingenakukwazi ukubona ukuba uzama ukuhamba yodwa.
Ukuba isicwangciso siphumelelwanga ngokungafanelekanga kwaye / okanye singenakulungiswa kakuhle, ngoko ke iintlawulo zerhafu kunye nomthetho onyaka-5 onokuthi "ulungelelwano" ungasebenza.
Inyaniso kukuba i-SPIA ingaba yimpahla ekhuselekile kakhulu xa iphunyezwe kakuhle kwi-portfolio yakho.
I-Premium ye-Single Premium Annuities ngokukhawuleza yileyayilwayo yokuqulunqwa kwemali eyaqulunqwa ngamaxesha aseRoma. Ii-SPIA zifumaneke eUnited States iminyaka engaphezu kwama-200 kwaye kwakuphela uhlobo lohlobo lwemveliso olutholakalayo kude kube ngo-1955. Ziyinto elula kakhulu kwaye idlulileyo yokudlulisa umngcipheko weentlobo zemali ezinokufumaneka, umthengi kakhulu kumbono wam, kunye nendlela engcono isombululo kwimali engenayo ngoku ifuna kunye nenzuzo yobomi.
Ii-SPIA ziyakongeza ixabiso xa lisebenzisa kwi-Medicaid yakho kunye nocwangciso lwezinto. Ukusebenza nommeli onoxanduva lomncedisi omdala unokuncedisa ukuba isicwangciso sisesemthethweni esisemthethweni kwaye kulandelwa amanyathelo afanelekileyo. Ukwenziwe ngokuchanekileyo, isicwangciso seMedicaid Annuity esetyenziselwe iqabane elinye lingaba ngumqhubi wokubakho okanye ukugqitywa kokugqibela kwintsapho efanelekileyo. Fumana ummeli omnakekeli omdala onobuchule ukuba ufuna ukuhlola le qhinga. Kufuneka yonke ipenki.