Ukunyamekela uLuntu kunye noKuhlala phantsi

Ukuguga kwindawo kunye noKhathalelo oluqhubekayo kunye neMiphakathi

Umxholo othi "ukunakekelwa kwimiba" yindawo ekhulayo yokukhathalela abahlala phantsi kunye neentsapho zabo. Ukunyamekelwa kobomi kubhekisela ekunikezweni kweenkonzo zabadala, ezibandakanya izindlu, ukunakekelwa kwempilo kunye nemisebenzi yoluntu. Ngelixa abantu abaninzi bevakalisa umnqweno wokuba "behlala endaweni" ukusebenzisa ezo zinto ezibalulekileyo zokunakekelwa kwezempilo, ukuhlala ekhaya akusoloko kuyona nto ingcono. Kungenxa yoko abaninzi abahlala phantsi bafuna uxolo lwengqondo bazi ukuba bahlala ngokuzimeleyo kwimeko apho baya kuba neenkonzo zokunakekelwa ezifanelekileyo ezifumanekayo kwixesha elizayo njengoko iimfuno zabo zingatshintsha.

I-CCRC eqhubekayo yokuKhathalela iCommunity Care (CCRC) yenzelwe abahlala phantsi abafuna ukunciphisa umthwalo wenkqubo yokuguquka ukusuka kwenye indawo ukuya kwenye njengoko iimfuno zabo ziguquka. Uluntu oluqhubekayo lokuthatha umhlalaphantsi luye lwakhula ekuthandeni kwiminyaka yamuva kunye neendawo zokutshintsha umhlalaphantsi. Esi sikhulu sesikhalazo sisekelwe ekubeni iCCRC inika uluhlu olubanzi lweenkonzo zokunyamekela konke okusemgangathweni olulodwa oluphambili olungadingi ukufudukela kwendawo. IiCCRC zidibanisa indawo yokuhlala kunye neendawo zokunakekelwa kweenkonzo zokunakekelwa kwinkonzo ezithe zenziwa ngenye indlela enika "ukuqhubeka kwenkathalo" kubahlali.

Amanqanaba aqhubekayo wokuNakekela

Ukuqhubeka nokunyamekela Inkxaso yomhlala-phantsi inikezela abahlala phantsi kunye neenkonzo zokunakekelwa kweenkonzo. I-CCRC yintlangano yoluntu oluzimeleyo kunye nokuphila okuncedisayo, ukukhunjulwa kweememori kwabemi abane-Alzheimer's, ukuphazamiseka kwengqondo, okanye ukunyamekela kwengqondo, kunye nokunonyamekela abanonophelo.

Izibonelelo ezinokuncedisa kunye neendawo zokuncedisa i-CCRC zihlala zifumaneka kuphela kubahlali abaguqukayo ukusuka kwiiyunithi ezizimeleyo kwaye abaqhelekanga kubakho ngaphandle koluntu. Oku kuthetha ukuba izakhamuzi zihlala zihamba kwiCCRC ngelixa zinezempilo ezintle kwaye emva koko zinguqu kwiinkalo ezahlukeneyo zononophelo njengoko iimfuno zabo ziguquka.

Esinye sezizathu eziphambili ze-CCRC zikhulayo ekuthandeni kukuba uluhlu olubanzi lweenkonzo ezibonelela ngazo. Ezi nkonzo zihlala ziquka iinkonzo zonyango kunye neenkonzo zokuncedisa. IiCCRC zinika nabemi ithuba lokunakekelwa ngononophelo, inhlalakahle yomsebenzi, iinkonzo zezilwanyana, ukunakekelwa koogqirha, i-pharmacy, ii-PTs, ii-OTs kunye nezinye iindlela zokwelapha abahlali abanokugula okanye ubunzima bezempilo.

Nantsi ingqwalasela yokuqhubeka kokukhathalela abahlali beCCRC:

Iindawo ezihlala ezizimeleyo zibizwa ngokuba ngumhlala-phantsi. Izinketho zezindlu kwiCCRC zifana noko kufunyanwe kuluntu lwemveli yomhlalaphantsi. I-CCRC yokukhetha ezizimeleyo ngokuqhelekileyo iquka indawo yokuhlala okanye izakhiwo zokuhlala ezikhululekile okanye ii-cottages. Kwiindawo ezininzi zokuhlala ezizimeleyo, izibonelelo ziquka indlu yeclub, ithala leencwadi, indawo yoluntu, igumbi lokuqina, ukubhukuda, nokuba kwinqanaba legalufa. Yintoni ekwahlula imimandla ehlala ezizimeleyo ukusuka kumaziko aphezulu, imiphakathi yomhlala-phantsi yabantu abakhulileyo, okanye uluntu ngokukodwa kulabo abaneminyaka engama-55 nangaphezulu. Iindawo ezihlala ezizimeleyo zihlala ziquka iinkonzo ezongezelelweyo ezifana nenkonzo yokutya, ukugcinwa kwendlu, ukuthutha kunye nemisebenzi yoluntu.

Imisebenzi yokuzonwabisa kunye neenkqubo zihlelelwe ukuzonwabisa kunye nenhlalakahle yabantu bonke.

Iindawo zokuhlala ezixhaswayo zibhekwa njengezonyango zoncedo lwezonyango kwaye kaninzi akanayo inqanaba elipheleleyo lezonyango kwiziko kwindawo yokuhlala. Nangona kunjalo, bahlala banikela ngeenxa yokusebenza kwewashi xa kunokwenzeka. Izibonelelo zokuhlala ezixhasayo zinikeza uluhlu olubanzi lwazo iinkonzo ezizimeleyo ziqhathaniswa nokuphila ezizimeleyo. Abemi ngokuqhelekileyo banikezelwa abasebenzi abazinikezeleyo ukuba baye kwiimfuno zabo zemihla ngemihla kunye nooncedo ngemisebenzi efana neyokuhlamba impahla, ukucoceka kobuqu kunye nokugcinwa kwendlu. Abemi basalindeleke ukuba bafune uncedo oluncinci kwimisebenzi ebalulekileyo imihla ngemihla njengokugqoka, ukuhlamba okanye ukuthatha imishanguzo. Ukuphila okuncedayo kufuneke neqondo elithile lekhono lokuqonda elivumela umntu ukuba asebenze kwisimo esizimeleyo.

Amakhaya anamahlengikazi anikezelwa ngamaziko ezonyango anikezela ngeenkonzo ezininzi zoncedo lwezonyango kubantu abadala ngaphandle kwesibhedlele. Unonophelo olunyamekileyo unika inkxaso kwiziko kwiCCRCs ukubonelela unyango kubahlali abayifumana kwiimeko ezifutshane. Izibonelelo ezinonophelo zokunonyamekela kwiiCCRC zikwaxhotyiswa ngabasebenzi bezonyango abafanelekileyo kunye neendawo zokuhlala ukuxhasa abahlali abafuna unyango oluthe gqolo okanye olunzulu lweenkonzo okanye ukunakekelwa kwexesha elide.

Iindleko ezidibeneyo

Ukuhlala kwiCCRC akuyena wonke umntu kwaye iindleko zingaba ngumqhubi omkhulu wenkampani yokuhlala phantsi. I-CCRC nganye inika isicwangciso sayo sesicwangciso sokuhlawula kunye nemirhumo iyahlukahluka ngokubhekiselele kwindawo, ubungakanani bendawo, kunye neenkonzo ezibonelelweyo. Iindleko zokuqala eziphambili zifumaneka rhoqo kwimali yokungena. Uninzi lweCCRC luneendleko zokuqala zokungena ngaphakathi ezifuna iqondo lempilo ngaphambi kokungena. Imirhumo yokufaka ibanga kakhulu ukusuka kwii-30,000 ukuya kwii-1 yezigidi, kunye neentlawulo zenyanga nganye ezivela kwi-$ 1,000 ukuya kwi-4,500 zamawaka. Kwimeko ezininzi kukho ukhetho oluvumela ukubuyiswa kwemali epheleleyo okanye inxalenye yemali yokungena ngexesha elithile.

Izinto Ezingacinga Ngayo Xa Uhlawula Uncedo Oluqhubekayo Uluntu lomhlalaphantsi

Zininzi iintlobo ze-inshorensi yezobugqirha ayinikezeli ukubuyisela iinkonzo zokuncedisa. Nangona i-Medicare okanye i-Medicaid inokufakela inxalenye yeendleko zokuhlala kwikhaya lokunakekelwa phantsi kweemeko ezithile ezithile, ayiyi kuhlanganisa zonke iindleko. Iindleko zokuhlala kwi-CCRC zinokukhupha iintlobo ezithile ze-inshorensi yonyango elide, ukuba ufanelekile. Ngokuqhelekileyo, iinkqubo ze-inshorensi zonyango zangexesha elide zingabandakanya iindleko ezinxulumene neemfuno zokuphila ezincedisiweyo okanye igumbi kunye nebhodi.

Abaninzi abasetyenziselwa umhlalaphantsi basebenzise imali evela ekuthengisweni kwekhaya ukuhlawula umrhumo wangaphambili wokungena. Imithetho yokukhutshwa kwemali eyinkunzi iyakwenza isicelo sokuthengiswa kweendawo zokuhlala eziphambili ezingabandakanyi isahlulo semali evela kwiirhafu. Kodwa njengokuba kunjalo nangayiphi na impahla ye-retrait efana ne- 401 (k) , i-IRAs, amasheya okanye iimali ezifanayo , kufuneka uqhagamshelane neengcali zerhafu ukwenzela ukuba ubone ingozi yerhafu.

Ngezantsi zizinto ezintathu ezikhethiweyo ezikhethiweyo eziqhelekileyo ezisetyenziswa kwiCCRC:

1. Iikhontrakthi ezithe xaxa: Ezi zivumelwano zibiza kakhulu. Banika abahlali ukufikelela okungenamkhawulo ekunakekelweni kwezempilo kunye noxolo lwengqondo bayazi ukuba kuya kuba ncinane okanye akukho kunyuka kwintlawulo yesondlo yenyanga.
2. Iikhontrakthi ezilungisiweyo : Olu hlobo lwenkontileka lunikeza nabemi ukufikelela okungenamkhawulo kunakekelo lwempilo, kodwa abahlali bahlawula unyango lwezempilo kwiziko elifunekayo. Iikontraki ezichitshiweyo zivumela ukunyuswa kwemali yenyanga yokunyuka ukulungiselela iimfuno zonyango. Kwiimeko ezininzi iinkonzo zempilo zinikwa ngamaxabiso athatshelwe.
3. Iikhontrakthi zeeNkonzo-mali : Ezi zivumelwano zifuna ukuba abahlali bahlawule zonke iindleko zonyango ngokwahlukileyo. Nangona oku kungenokuba yinto encinci yekhonteksi eyimfuneko, ekugqibeleni iphela ingaba yindleko xa umhlali ekugqibeleni efumana iimfuno ezinonophelo zempilo.

Indlela Yokufumana Ukunyamekela Okuqhubekayo Umhlalaphansi

I-CCRC ayinayo ilayisenisi okanye iqinisekiswe libhunga elilawulayo elinye. Umbutho wokumisela ukuqhubeka koluntu lwempilo yomhlalaphantsi ukhona. IKomishoni yokuVunyelwa kwezixhobo zokuBuyiselwa (CARF) inikezela iKomishoni yokuKhuthazwa kweNtloko yokuKhathalela iNkqubela, eyaziwayo njengeCARF-CCAC.

Ukufumana ukunakekelwa kwezempilo esemgangathweni ngexesha lomhlalaphantsi ngokuqhelekileyo kubaluleke kakhulu ekukhetheni ukuhlala kwiCCRC. Kungoko akumangalisi ukuba uya kufuna ukuphanda umgangatho wenkathalo kwiindawo ezahlukeneyo. I-CCRCs kunye neziko lezempilo eliqinisekisiweyo le-Medicare, ungaqalisa uphando lwakho ngokujonga i-CRC yokulinganisa kwi-website ye-Medicare phantsi kwe "Home Home Nursing".

Enye into ebalulekileyo ekufuneka iqwalaselwe kukuba ingaba isibonelelo siyinzuzo-nzuzo okanye ayikho inzuzo, njengoko oko kunokuchaphazela indlela izibonelelo ezabiwe ngayo. Kukho iingqungquthela ezinkulu zokuqwalasela ukwenzela ukuba unokuphepheka iintloko ezintle ezinokuvela ngokukhetha iCCRC engalunganga. Ngokomzekelo, ukuba i-CCRC ihlangabezana nobunzima bezimali kwaye iphoqelelwe ukuba yenze i-bankruptcy, abahlali bangabalwa njengababolekisi abangakhuselekanga kwaye banokulahlekelwa nayiphi na imali ehlawulwayo yokungena. Enye imeko embi kunokwenzeka ukuba isibonelelo singeniswa ngumntu omtsha osenza utshintsho iinkonzo kubahlali. Xa uhlola i-CCRCs Kunconywa ukuba ucele iingxelo zemali eziphicothiweyo kwaye usebenzise ubuchwepheshe bezezimali ezifana neCPA ukuhlalutya loo maxwebhu. Oku kuya kukunceda ubeke iliso elibukeleyo kwiiflegi ezibomvu ezifana nezindleko ezigqithise ukufumana inzuzo okanye iimfanelo ezikhulu kakhulu kunezinto.

Imibuzo ebalulekileyo yokubuza

Njengoko naziphi na izigqibo ezibalulekileyo zempilo, uya kufuna ukubuza imibuzo enolwazi ngexesha lokukhangela. Nazi ezinye zezinto ezifunekayo ukuba ziqwalaselwe kunye nokucela abameleli beeNkxaso zoLondolozo lweMpilo yokuHlala ngokuqhubekayo:

• Uphi ukufumaneka okwangoku kwiindawo zokuhlala ezikhuselekileyo kunye neendawo zokunakekela abantwana? Kwenzeka ntoni xa bezele?
• Ingaba uluntu unesivumelwano esivumelanayo kunye neCCRC eziseduze?
• Ngaba i-CCRC ifuphi kunye nababoneleli bezonyango eziphezulu kunye nezinye iindawo ezibalulekileyo? Ngaba ngabahlobo kunye nosapho olusondeleyo?
• Uqeqesho kunye namava amaninzi abaqeshwa abanalo? Ingaba abasebenzi baxhomekeke kwimvelaphi yobugebengu?
• Nguwuphi umlinganiselo wabaqeshwa-ukuya kumguli kwisimo ngasinye sokuhlala?
• Ngaba iCCRC ibonakala igcinwe kakuhle, ihlambulukile kwaye ikhuselekile?
• Ngaba kukho ikhoyunithi yokunakekelwa kwengqalelo okanye inesixhobo sinikeza iinkonzo zokukhubazeka kwememori?
• Ngaba abahlali abanqwenela ukubandakanyeka banikwe ithuba lokuthatha inxaxheba kwisinqumo senhlangano?
• Ngaba inkcubeko yeCCRC iyafana nomhlali? Ingaba yindawo ehlelekilekileyo, kunye neebhatyi zokutya ezifunekayo kwigumbi lokudlela, okanye umoya oqhelekileyo?
• Ingaba isiko lisiko esingenzi inzuzo?
• Ngaba kukho naziphi na iziganeko eziza kubakhokelela kwisiza ukuba zicele ikhefu elihlala kuyo uluntu?

Ukuba wena okanye othandekayo ucinga i-CCRC, akukho "ubungakanani obufanayo" obuhamba ngayo yonke indlela yokwenza isigqibo esibalulekileyo. Khumbula nje ukuba kubalulekile ukwenza isigqibo esingekho nje ngokusekelwe kwiimfuno zonyango. Kufuneka kwakhona usebenze kwaye usebenze ngexesha lokukhangela ngeli xesha ugxininisekile kwixesha elizayo lokwenza unonophelo lwempilo. I-CCRC isisombululo esibalulekileyo sezimali ofuna ukufumana izinto ngokufanelekileyo ngaphandle kokuqala ukuqiqa isigqibo sakho ngexesha lokugqibela lomhlalaphantsi.