Isikhathi somtshato wakho sinokuba nefuthe lezemali
Xa ukutshata kusetshenziselwa ukufumana ngaphezulu malunga neengcambu zomtshato zomtshato kodwa njengoko ukhula, kunokuziva unjengezigqibo zoshishino. Iyakuthintela inzuzo yeNtlalo yolondolozo, ukunakekelwa kwezonyango, kwaye ingabangela ukulahlekelwa kweentlobo ezithile. Ngubani owaziyo ukuba ixesha lomtshato wakho malunga nokuthatha umhlalaphantsi kunokuchaphazeleka ngemali?
Ukhuseleko lasekuhlaleni
Kuphela kufuneka utshatile umtshato iminyaka engama-1 ukuba iqabane lakho liqokelele inzuzo yoqabane loLuntu lweNtlalo kodwa kuxhomekeka kwixesha lomlingane wakho, mhlawumbi ingaba yinto efanelekileyo ukuba ungayifaki okwamanje.
Ngokufanelekileyo, wena kunye nomlingane wakho kufuneka ube ngumhlalaphantsi ohlala phantsi ngaphambi kokuqokelela inzuzo-yobudala obungama-66 okanye i-67 kuye kuxhomekeke kubantwana bakho bokuzalwa.
Ukuba usebenza phambi kokuhlala phantsi komhlalaphantsi, iintlawulo zomvuzo womtshato ziya kuba ziphantsi.
Kuthekani ukuba ulahlekelwe ngumlingane kwaye uqokelela iintlawulo ezisekelwe irekhodi lomsebenzi wakho wexesha elide? Ngokuxhomekeke kwiinkcukacha zolu meko, unokulahlekelwa yizo zibonelelo xa uphinda utshata kwakhona ngaphambi kokufikelela kwiminyaka engama-60. Ukuba ulinda de emva kweminyaka engama-60, izibonelelo zakho aziyi kuthinteka.
Kwakhona, ukuba ufumana inzuzo ye-SSI, ingeniso yomlingane wakho kunye nezibonelelo zingatshintshwa inzuzo yakho ye-SSI, ngokubhekiselele kuKhuselo loLuntu.
Uqhawulo
Ukuba umtshato wakho wokuqala wahlala iminyaka engaphezu kwe-10 kwaye uneminyaka engama-62 okanye ngaphezulu, usenokuba wafumana inzuzo yeNtlalo ye-Social ngokusekelwe kwingxelo yomsebenzi womlingane wangaphambili xa izibonelelo zakho ziphezulu kunokuba usebenzise irekhodi lakho lomsebenzi. Xa uphinde utshatile, ezo nzuzo zizakuphela.
Ngeke ukwazi ukuqokelela iintlawulo zomtshato esekelwe kwiirekhodi zamashadanga amasha de kube ngumnyaka wokuqala emva komtshato ukuze izibini zicwangcise ukuhla kwesineniso.
Imiba yezoNyango
Ukuba ufanelekile kwiMedicaid kodwa umyeni wakho okanye umfazi wakho ozayo akayi, unokulahlekelwa ukufaneleka kwakho emva komtshato. Xa uqikelela ukufaneleka, bobabili neyakho kunye nengeniso yeqabane lakho elizayo lijongwa kunye.
Ukuba ingeniso yakho ehlangeneyo iphakamileyo, akukho namnye uvumelekile. Nangona kunjalo, ngokungakhathaliseki ukuba ungatshatanga, iifom zakho zihlolwa ngokuzimela. Ukuba unononophelo oluthile oluya kuzaliswa yiMedicaid, kungcono ukuba wenze okokuqala ngaphambi komtshato.
Kwakhona ujonge ukunyamekelwa kwexesha elide . Umyinge uhlala kwindawo yokunakekelwa kwexesha elide uneminyaka engama-3 kwiindleko zama-$ 200,000 ukuya kwii-300,000 zamaRandi. I-Medicare ihlawula kuphela iipesenti ezi-2 zebhili. Ukuba lakho iqabane lingenayo yomshuwalense wangexesha elide kwaye ayikwazi ukuhlawula, loo mthwalo ungawa kuwe.
Ngaphambi kokutshata, qiniseka ukuba iimali zakho ezidibeneyo zinokuxhasa inkxaso yomshuwalense wexesha elide kubo bobabini, ngakumbi ukuba ingeniso yakho ehlangeneyo ayivumeli ukuhlawula loo mabhilimayo ngokwakho.
Imiba yeMatyala
Inani elinyukayo labantu lifikelela kumhlala-phantsi kunye nokungaphumeleli kwiimali zomhlalaphantsi kunye nomthwalo omkhulu wetyala. Olunye uphando lufumanise ukuba nangona abantu abaneminyaka engama-62-66 besesigxina esiphezulu sempilo yabo, isilinganiso sabo semali-kuya-ngeniso siphakamileyo ukususela ngo-0.01 ngo-1998 ukuya ku-0.26 ngo-2014. Olu phofu lugqiba ukuba ukunyuka kwetyala phakathi kwabangaphambi kokuthatha umhlalaphantsi kunye nabahlala phantsi inokubangela ukwanda kwendoda yokudala.
Xa umntu edlula ngetyala, umlingane ohlalayo akayi kucinga ukuba ityala kodwa ezinye iimeko zingasebenzisa-xa iqabane lidibanisa iakhawunti yekhadi lesikweletu, umlingani-mvume-mboleko kunye nakwiimeko ezithile ukuba urhulumente lukarhulumente kwipropati yoluntu.
Kodwa xa bobabini abalingani bephila, ezo ntlawulo zemboleko zibaxanduva lwabo bobabini bomtshato.
Ukwandisa, izibini zikhetha ukutshata umtshato kuze kube yilapho nganye inokuhlawula ityala elikhubazayo. Oku kuvumela ngamnye ukuba angene emtshatweni kunye ne-slate yemali ecocekileyo.
Okukwintsusa
Umbuzo wendlela yokutshata unokuziva njani unobumba obunobomi emva koko ebomini. Imiba yezocwangciso zezimali zangempela inokukwenza umhlalaphantsi kunye nokucwangcisa umtshato kuhambisane nezindlela ezinzima.
Inani elinyukayo lamabhangqa ngoku sele likhetha ukuhlalisana endaweni yokutshata ukukhusela iRhafu kunye neNgcaciso yoKhuseleko lweNtlalo ezayo nomtshato womhlala-phantsi. Nangona kunjalo, ukulungelelanisa kunoluhlu lwazo lweempembelelo.
Njengamaxesha onke, iinqununu zemali ezinzima zenziwa ngokuncediswa ngumcwangcisi wezemali onokubheka kokubili umfanekiso wesimo somtshato womtshato kunye nokwenza iingcomo zokuthi utshatile nini ukuba le nto ifanelekileyo.