Xa Unelungelo lokuBhalisa kwaye xa kufuneka ubhalise, ungaba uhlukile
Ngenye icala, inzuzo yokuthatha umhlala-phantsi wezenhlalakahle, ngenye indlela, yenza njengempesheni encinci, inika umvuzo wenyanga ngenyanga kubantu abadala abafanelekileyo ukususela kwiminyaka engama-62 ubudala.
Nangona zihlala zikhononda ngeemeko zengxowa-mali zentlangano-mali ngokukodwa njengoko zifaka inkxaso kwiinkxaso ezizinzileyo zeenkqubo, uninzi lweengcali zengxowa zithatha ukuba ukuthandwa kweeprogram kunye nokuxhomekeka kwethu kwi-retiree kuzo kuya kuqinisekisa ukuphila kwabo.
Xa abadala befanelekile kwi-Medicare kunye noKhuseleko loLuntu
Ezi zombini iinkqubo zikhonza nje ngaphezu kwabemi basebekhulile baseMerika (kwimeko yoKhuselo loLuntu, ufumanisa iinkqubo ezijoliswe ekuncediseni abakhubazekileyo kunye nabafazi kunye nabantwana abancinci kwabasebenzi abafayo). Kodwa apha siza kugxininisa kuphela kwizibonelelo ezisisiseko zomhlalaphantsi. Abemi abaphezulu banokufumana ilungelo lokufumana inkxaso ye-Medicare kwiminyaka yobudala engama-65 ubudala nje ngokuba bengummi wase-US okanye abahlali bezomthetho ngokusisigxina kwaye bona okanye iqabane labo badibana nomsebenzi wemali-mboleko (okuyiyona nto i-algorithm esetyenziswe ukucacisa ukuba ngumsebenzi omude kangakanani hlawulwa kwinkqubo).
Enyanisweni, abo bafanelekayo kwi-Medicare ngokusebenzisa le migaqo-nkqubo bayabhaliswa ngokuzenzekelayo kwi- Medicare Part A (kodwa kufuneka babhalise kwezinye iindawo zenkqubo xa bekhetha).
Ngakolunye uhlangothi, namhlanje abantu abadala bafumana ilungelo lokufumana umhlala-phantsi wezeNtlalontle kwiingqesho ezingama-66 okanye ezingama-67 ngokuxhomekeka kunyaka wabo wokuzalwa, owaziwayo njengeminyaka yabo yokuhlala umhlalaphantsi (FRA), nokuba ingaba bona okanye iqabane labo lidibene nomsebenzi wesikweletu mfuneko.
Ngokungafani ne-Medicare, nangona kunjalo, abakhulileyo banokukhetha ukuqala ukuthatha inzuzo yabo phambi kwe-FRA yabo kwiminyaka engama-62 ubudala, ngexesha apho baya kufumana inzuzo encitshiswa yenyanga yabo intsalela yobomi babo. Ngokwahlukileyo, abadala bayakwazi ukulibazisa inzuzo yabo yoLuntu lweNtlalo kwixesha elidluleyo kwi-FRA ukuya kuma-70 ubudala ukwenzela ukuba bandise inzuzo yabo yenyanga ngentsalela yobomi babo. Ukugqiba ixesha kunye nendlela yokufakela ngayo inzuzo yeNtlalo yeNtlalo (nokuba yeyakho okanye inzuzo yakho yomtshato) sele ibe yinqanaba leqhinga lokulungiselela umhlalaphantsi.
Ukuthatha i-Medicare kodwa kungabikho koKhuseleko loLuntu
Ngenxa yokutshintshwa kweenkqubo zombini kunye nezigqibo ezicwangcisiweyo kunye nomqeshwa kunye neqabane lakhe lingenza malunga nokuba sele liqala ukuthatha izibonelelo zabo, baninzi bazibuza ukuba bangabhalisa kwi-Medicare kodwa kungabikho koKhuseleko loLuntu. Impendulo elula nguyebo. Enyanisweni, phantsi kweemeko ezininzi isicwangciso sisona sizuzisa kakhulu ukuba sishiye umhlalaphantsi.
Iingcali zocwangciso zezezimali ziyavuma ukuba kulungelelaniso lwabantu abadala ukuba babhalise kuzo zonke iindawo zoLondolozo lwezeMpilo ezicwangcisiweyo zokuba nazo ngokukhawuleza xa zifanelekile kwiminyaka yobudala engama-65 njengeengxenye ze-B kunye no-D ziza kuba zibiza kakhulu xa zilinda. Oko kwathiwa, abaninzi abantu abadala bangakwazi, kwaye ngokuqhelekileyo kufuneka, belibalezise i-Social Security benefits kuze kube yilapho ubuncinane be-FRA, oku kuthetha ukuba kunokubakho iminyaka emininzi apho babhalisiwe kwaye bajongwa yi-Medicare, kodwa bengakayifumana inzuzo yoNyango lweNtlalo.