Cwangcisa phambili. iinshorensi yezempilo kwimhlala-phantsi ingaba yindleko.
Funda malunga neqela lakho lempilo yomhlalaphantsi
Into yokuqala okufuneka uyenze ukufunda konke malunga neentlawulo ze-inshorensi zempilo yakho kunye nokuba ziguquka njani kumhlalaphantsi.
Ngaba unakho ukhetho lokuqhubeka necebo lakho leqela? Ngaba usebenze apho iminyaka eyaneleyo, okanye ufikelele kwiminyaka apho unikwe khona kwiintlawulo zeeinshorensi ezithile zempilo ? Yiya kwiindibano zocweyo kwaye ufunde yonke incwadi umqeshi wakho onika ngayo kwi-inshurensi yempilo emhlala phantsi. Ukuba umqeshi wakho akanikezeli isicwangciso-mali sokufumana umhlala-phantsi, ngaba uya kulungele ukuhlala kwisicwangciso samanje phantsi kwamalungiselelo e-COBRA? Ukuba kunjalo, funani ukuba lide kangakanani, kwaye libiza kangakanani.
Hlola zakho izigqibo
Ukuba uhlala phantsi ngaphambi kweminyaka engama-65, iindaba ezilungileyo awukwazi ukuphika ukukhutshwa kweemeko zangaphambili ezikhoyo ngenxa ye-Care Affordable Act, eyaqala ukusebenza ngoJanuwari 2014. Nangona kunjalo, inxalenye "enganakunqwenelekayo" ye-Care Affordable Act akuzange kwenzeke, ngoko-ke nangona unako ukufumana ingxelo, unakho ukuhlawula i-$ 1,000 ngenyanga okanye ngaphezulu xa uneminyaka engama-55 no-64. I-Trump kungenzeka ukuba yatshintshe indawo yokunakekelwa kwempilo, kodwa ukukwazi ukufumana ingqalelo ngaphandle kokuqala Izimo ezikhoyo ziyakuthi zihlale.
Ukuba uceba ukuhlala phantsi ngaphambi kweminyaka engama-65, yinto enhle.
Xa uneminyaka yobudala engama-65, uninzi lwawo luya kufaneleka kwi-Medicare, kodwa uya kusenza ukhetho lokwenza. Umzekelo, unokufuna i-Medicare yasekuqaleni okanye iSicwangciso seNzuzo ye-Medicare. Ngamnye unemveliso kunye neqhinga. Ulwazi oluchanileyo onokulufumana luya kwi-Medicare.gov, kodwa emva kokufunda konke onokukwazi ukuba usenokufuna uncedo lobugcisa ekwenzeni isigqibo esibalulekileyo, oku kuthetha ukuthetha ne-arhente.
Nangona uhlolisisa ukhetho, qiniseka ukuba wakha kwiindleko zokunakekelwa kwempilo kwi-budget yakho yomhlalaphantsi. Kufuneka uceba kangakanani ukuchitha imali? Kuxhomekeke kwingxowa-mali yakho. Ngokomyinge, cwangcisa ukuchitha i-$ 10,000 ngonyaka ngomntu ngamnye ngenxa yee-premiums, amazinyo, iindleko ze-pocket, njl njl.
Thetha kwi-arhente enkontileka kunye nabaninzi bezithuthi
Ukhetho olukhethekileyo luya kuba kukuthetha nenkonzo yomshuwalense wezempilo okhontrakthi kunye nezona zicwangciso ezinkulu zempilo kwindawo yakho. Ngokukodwa, khangela i-inshorensi yezempilo ejolise kwi-inshorensi yempilo xa umhlala phantsi; banokwenza uhlalutyo olupheleleyo lwezinketho zakho ngokukubuza malunga noogqirha bakho abakhona kunye namachiza kwaye bakuxelele ukuba zeziphi izicwangciso eziza kunika iingenelo ezintle kakhulu ezixhomekeke kwiimeko zakho zonyango.
Enye inketho yeengcebiso kukuthetha neqela lika-Allsup's Advisor Counter. Enye inketho kukufumana iNkqubo yoNcedo lweNkxaso ye-Intshumo yeNtshona Koloni (SHIP), eya kuba namavavolonti anokunceda.
Ukhetho lokuphononongwa rhoqo ngonyaka
Kungakhathaliseki ukuba ungaphantsi kweminyaka engama-65 ubudala, xa usukhusele i-inshorensi yezempilo xa uhlala phantsi kufuneka usebenze ngokuphonononga ngokuqhuba uhlaziyo lonyaka lweenketho zakho zokubhengezwa ngexesha lokubhalisa okuvulekileyo nganye ukuwa.
Izinzuzo kunye neendleko zenguqu, kwaye kunokwenzeka ukuba isicwangciso esitsha sinokukunikezela ngegalelo elingcono kumanani aphantsi; awuyi kukwazi ngaphandle kokuba ukhangele. Kwakhona, uya kufuna ukuthetha ne-arhente enesivumelwano kunye nabo bonke abathwali abakhulu ukufumana uhlalutyo lwenjongo.