Xa abantu bethetha ngomshuwalense wekhaya lononophelo bangabhekisela ezintweni ezimbini:
- Ukuqinisekisa izinto zakho zobuqu kunye / okanye uxanduva xa uhlala kwikhaya labahlengikazi
- Intengiso yomshuwalense eya kukunceda uhlawule iindleko zokuhlala kwikhaya lokunakekelwa
Ezi ziintlobo ezimbini ezahlukeneyo ze-inshurensi eziyiluncedo ukuba wazi malunga nokucwangcisa okungalindelekanga, okanye ukufuna ukufuduka kwikhaya lononophelo lokuba wena, lakho iqabane okanye ngabazali bakho.
Ngezo zombini iintlobo ze-inshorensi yasekhaya, kukho iindlela ezinokukunceda ukuba ugcine imali, kwaye wenze nokhetho lokucwangcisa ngokufanelekileyo kwixesha elizayo. Eli nqaku libhekiselele ngolu hlobo lweengxelo zee-inshorensi ezahlukeneyo zokukugubungela kwikhaya labahlengikazi.
UkuQinisekisa Ubuntu Bakho kwiKhaya laseKhaya
Xa uhamba kwikhaya lokunakekelwa ngabahlengikazi udlalisa izinto ezininzi ezikuyo ekhaya ngenxa yokuba uhamba kwindawo encinane. Amaxesha amaninzi unganika izinto kumalungu entsapho, okanye uthengise izinto ngexesha uthengisa ekhaya. Izinto ozigcinayo xa ushukuthela kwikhaya lononophelo ziza kuba zizinto ozixabisa kakhulu ngoko kubalulekile ukwazi ukuba kunokwenzeka ntoni ukuba unayo ibango le-inshurensi ngenxa yomntu oba impahla yakho okanye izinto ezihlala kuyo okanye ezinye izingozi ezifana umlilo.
Inkonzo Yobomi Yokuncedisa okanye iNkxaso-mali yaseKhaya kwiNgqungquthela kunye noBuntu
Xa uhlala kwikhaya labahlengikazi kuya kubakho imiba emininzi eyenzekayo ekunqumeni ukuba wena okanye ilungu lentsapho yakho kufuneka uthenge i- inshorensi ekhethekileyo ukukhupha izinto kunye nezinto zakho .
- Khangela ukuba i-inshurensi yasekhaya yabantwana iyakubandakanya abazali xa behlala kwikhaya labahlengikazi. Ezinye iinkampani ze-inshorensi ziya kuqwalasela ukuba umzali, kanye kanye kwikhaya lokunakekelwa ngumntwana lingabangela uxanduva lwabantwana, ngoko kudla njalo kubakho "abazali kwikhaya labahlengikazi" kwigama lomgaqo-nkqubo we-inshurensi yasekhaya ekhaya. Ukuba umgaqo-nkqubo awuboneleli ngokwaneleyo, abantwana banokuba namandla anxibelelwano ekufumaneni amanani afanelekileyo ngokubuza ukuba imvume ingenakongezwa kumxholo womzali kwikhaya labahlengikazi . Hlalani nihlolisise olu khetho njengoko kunokuba unokubhengezwa ngoku sele ukhona, kwaye akufuneki ukuba uchithe imali ethe xaxa. Iindleko zekhaya ezikhungayo zibiza, ngoko ugcine imali apho ungabaluleka khona. Ukuthetha nomthengisi we-inshorensi okanye i-agent ukuze uqonde ukhetho okanye uquke iingxelo kunye neemeko zomgaqo-nkqubo wakho wasekhaya kubalulekile kuba ukujonga nje iphepha lokubhengezwa kwepolisi akusayi kubandakanya le nkcukacha. Ulwazi luyahlukahluka kwinkampani nganye yomshuwalense kwaye lufanelekile umnxeba.
- Ingaba ikhaya lezononophelo lincediswa ukuhlala okanye ukuzimela ngokuzimeleyo nabantu abanokufikelela kwindawo yokuhlala okanye kungekhona into yokuba ingaba inkampani yenkampani yomshuwalense okanye umgcini-phantsi ungathanda ukubeka ingozi. Le nto iya kubakhokela ukuba yintoni na umgaqo-nkqubo umntu angayimfuneko kwikhaya lononophelo okanye kwindawo yokuhlala yokuhlala.
- Ixabiso leenqulatho kunye nohlobo lokuqukethwe luya kuthintela uhlobo luni ye-inshurensi oyifunayo. Abanye abantu bafuna nje ukukhutshwa kwempahla yezinto eziqhelekileyo, abanye banokukhangela ukuba baqinisekise ngokuthe ngqo izinto ezifana neendlovu kunye neelindi okanye iiforsi.
Kuphi ukuthenga i-inshorensi kwisiqulatho kwikhaya lobuhlengikazi
Iingxowa zomshuwalense zingathengwa ngemigqa yomshuwalense, ummeli, u-ngqo kwiinkampani zomshuwalense okanye kwi-intanethi. Qalisa ngokuthetha nenkampani oye waqinisekisa kuyo ikhaya lakho, banako ukukunika umgaqo-nkqubo omtsha wokunikwa kwabahlengikazi kwikhaya kunye neziqulatho ezincitshisiwe okanye iimali ezizodwa. Njengoko kukhankanywe ngasentla, unokubuza abantwana bakho ukuba umgaqo-nkqubo we-inshorensi yasekhaya uza kukugubungela ngelixa usendlini yabanakekeli. Kufuneka uqwalasele ukubiza umthengisi we-inshorensi ukukunceda ufumane i-inshurensi enhle kwikhaya labahlengikazi. Umthengisi we-inshurensi uya kuba nekhampani yomshuwalense engaphezulu.
Njengokuba usebenzisa umthengisi wokufumana i-inshurensi yempilo efikelelekayo kunokukunceda ukugcina ixesha kunye nemali, xa ufuna iinkcazo ezizodwa ezifana ne-inshurensi yasekhaya ye-inshurensi, umthengisi okanye i-arhente ozimeleyo uya kuba nokufikelela kwizixhobo ezingaphezulu kune-agent agent.
Ukufumana i- Intshuwalense yeNtlawulo kwiKhaya loMhlalaphansi
Ukuba uhamba kwikhaya lokunakekelwa kwabantwana, unokucelwa ukuba uthenge i-inshorensi yemfanelo ngendlela efanayo abaqeshi bacelwa ukuba bathenge i-inshurensi yabanini, okanye abanikazi be-condo banokufuneka ukuba bathathe i-inshorensi yemfanelo. Isizathu salokhu kukuba njengomntu ohlala kwikhaya lononophelo ungabhalelwa umonakalo obangelwa ngumsebenzi wakho apho okanye izenzo. Ukuba uthenga i- inshorensi yakho kwinqanaba le-nursing, cela umxhasi ofanayo malunga nomthwalo. Kungabandakanywa.
Uxanduva lwabazali kwiKhaya eliLondolozi
Ukuba ufuna uxanduva lwabazali kwikhaya labahlengikazi, buza ummeli wakho we-inshorensi ukuba umbopheleleko uphelelwe, okanye ukuba unako ukunyusa uxanduva lokugubungela abazali bakho kwikhaya labahlengikazi.
Ungacingi ukuba ihlanganiswe ngokuzenzekelayo.
Yintoni Inkonzo Yomshuwalense Wasekhaya?
Inyhuwarensi yasekhaya yase-Nursing iyinhlobo ye-inshorensi yokunakekelwa kwempilo yonyango okanye i- inshorensi yokunyamekela kwexesha elide, ngaphandle kokugxininisa kuphela kwiindleko zokuphila ezixhasayo , ngokuxoxa ngezikhetho kunye nomcebisi wakho wezemali, unokuyilungisa umgaqo-nkqubo wakho ukuqinisekisa ukuba ukhetha uncedo oluphezulu ukugubungela indleko zokuhlala kwikhaya elikhuselweyo labahlengikazi, ngale ndlela inokujongwa ekuncedeni ukugubungela iindleko zekhaya labahlengikazi.
Ngaba uya kunyango okanye u-Medicaid Ukuhlawula iKhaya loLondolozi?
Nangona i-Medicare okanye i-Medicaid inokufakela inxalenye yeendleko zokuhlala kwikhaya lokunakekelwa phantsi kweemeko ezithile ezithile, ayiyi kuhlanganisa zonke iindleko.
Uhlala phi kwiindleko zaseKhaya zaseKhaya?
Ukuhlala kwikhaya lononophala kungabiza kakhulu. UGenworth uvelise ithuluzi le-intanethi elinceda ukunika ingcamango yeendleko zokuncedisa ubomi.
Ingakanani Imali Yomshuwalense Yasekhaya?
Kwinqaku lethu malunga ne-inshorensi yonyango elide, sinika imizekelo yeendleko eziqikelelweyo kunye nezinye izicwangciso zokufumana amaxabiso amnandi kwikhaya lokuhlengikaza kunye nokunyamekelwa kwexesha elide . Unokujonga ngaphi na ukusuka kwi-$ 1,000 ukuya ngaphezulu kwama-3,000 ngonyaka, kodwa oku kuxhomekeke kwimigqaliselo, iminyaka yakho, kunye nezinye iindlela esinokuxoxa ngazo ngezantsi.
Imali Ingakanani Umgaqo-nkqubo Wekhaya Lobuhlengikazi Ukukuhlawula?
Xa uxoxela ukhetho lwe-inshorensi yasekhaya lwe-inshorensi kunye nomcebisi wezezimali kufuneka banikezele ngeendlela ezininzi zokufumana. Ngokuxhomekeka kwimeko yakho eya kubandakanya ukuhlolwa kwempilo yakho yangoku, i-age yakho ngexesha lokuthenga i-nursing home coverage kunye nenqanaba lokokhelo olukhethiweyo, umgaqo-nkqubo ungahlawulela phakathi kwe-100 ukuya kwi-500 ngemini ngokuqhelekileyo. Isixa esiza kuhlawula umgaqo-nkqubo siya kuchazwa ngokucacileyo ngexesha lokuthenga umgaqo-nkqubo wakho, ngoko qiniseka ukuba ubuze ukuba umda weendleko zansuku zonke awucaci kuwe.
Kuya kuba nexesha elide liza kubanjelwa kwikhaya elinobuhlengikazi?
Iindleko zamakhaya asele abahlengikazi azifaki ixabiso elingenamkhawulo. Kanye njengoko kuya kuba nomda wemihla ngemihla ekufuneka bakuhlawule ngayo xa uhlala kwikhaya labahlengikazi elibhalwe ngaphakathi kwipolisi, kuya kuba nexesha elithile elikhankanywe ngokunjalo. eli xesha liza kuthiwa lixesha elixhamlayo.
Xa Unomhlala-mali Wasekhaya Unomshuwalense Uqala Ukuhlawula?
Inyhuwarensi yasekhaya yase-Nursing ingaba nexesha lokuphelisa. Oku kufana nexesha lokulinda kwiinkqubo ze-inshorensi zempilo ezahlukahlukeneyo phambi kokukhawulwa kokukhawulwa kuyo. Ukuba uthatha umgaqo-nkqubo ngexesha elifutshane lokuphelisa, okanye akukho, ke uya kuhlawula ngaphezulu. Ukuba uthatha isigqibo sokuthatha ixesha elide lokuphelisa, ngokuqinisekileyo uyavuma ukufihla iindleko zakho ixesha elide ngaphambi kokuba umgaqo-nkqubo uqale ukuhlawula. Olu buchule lokuzimelela ngokubakho ixesha elide lokuphelisa liza kunceda ukugcina kwiimali-mali zonyaka, nangona kuya kuba neendleko ngaphezulu ngexesha lebango. Xoxa ngale ndlela kunye nomcebisi wakho wezezimali ukuze uqonde ukuba yeyiphi indlela enokukhetha kuyo. Awufuni ukuthatha ixesha elide lokuphelisa emva koko ufumane ukuba unako ukufumana iindleko ngexesha elibi.
Xa umntu kufuneka athenge i-Intshurensi yasekhaya yase-Nursing?
Ukude ulinde ukuthenga i-inshurensi yasekhaya yononophelo yindleko eninzi iya kuba yindleko. Iindleko zisekelwe kwiminyaka yakho kunye nempilo. Unokubeka umngcipheko ukuba awukwazi ukuthenga i-inshurensi ukuba impilo yakho ihlahloke njengoko ukhula. Ukuba ucinga ukuthenga le ngxelo, i-40 okanye i-50 yakho iya kuqinisekisa ithuba elihle lokukwazi ukufumana ixabiso elifanelekileyo.
Umbutho waseMerika weNtsholongwane kaKhuseleko wexesha elide uthi u-50 xa unama-50 akho amathuba okuguquka kwaye le nani inyuselwa kuma-25 ekhulwini kuma-60 akho.
Iingcebiso zokuGcina imali kwiNtshurensi yasekhaya yaseNkathazo
Kukho iindlela ezininzi ezinokufumaneka xa uhlaziya uhlobo lomgaqo oya kuwuthenga ngeendleko zekhaya lononophelo. Nazi ezinye iingcebiso ezisisiseko zokugcina imali:
- Ungayeki ukuthenga i-inshorensi uze uloyike ukuba uyayidinga. Khumbula ukuba nje nge- inshorensi yobomi , omncinci uthengisa olu hlobo lomgaqo-mali imali oyilondolozayo.
- Ukuba utshatile okanye unomlingani wasekhaya , unokuzuza ngokuqwalasela umgaqo-nkqubo olwabiwo.
- Khangela ukhetho lwangasese kunye nolononophelo lwangasese noluntu kwaye uqhathanise iindleko.
- Cinga ukuba ixesha elide lokuphelisa lide kangakanani kwaye ufumane iingcaphuno ngokuphelisa ixesha elide.
- Ukuphonononga ngokucophelela ukhetho lokubhengezwa, ixesha lokuxhamla, imida ephezulu ehlawulwayo kunye neentlobo zokubonelela. Ukukhetha ezinye okanye izithuba ezimbalwa ziyakuchaphazela iindleko zakho. Ezinye iinkqubo zinikeza izaphulelo ngokuxhomekeke kwendlela okhokhe ngayo, cela ukuba ukuthabatha isicwangciso sonyaka kuza kukugcina imali.
Yintoni eyenzekayo Ukuba uthenga i-Intshurensi yasekhaya yase-Nursing kodwa ungalisebenzisi?
Ukuba unenzuzo kwimpilo enhle kwaye ungapheli usebenzise i-inshorensi yakho yasekhaya, unakho ukukhetha oku:
Ayikho yonke imigaqo-nkqubo enikezela olu khetho ngoko kubalulekile ukubuza malunga nale nto xa uthengela umgaqo-nkqubo:
- Ikhetho lokuphuma. Xa uthenge umgaqo-nkqubo wabuza malunga nokuba uya kuba nenketho yekheshi.
- Ezinye iinkqubo ze-inshorensi zempilo zingaphinde zinike ithuba lokufumana izabelo, umxholo ofanayo kunye nemigaqo-nkqubo ye-inshorensi yobomi .
- Ngokuxhomekeka kohlobo lomgaqo-nkqubo owukhethayo, unakho ukhetho lokuthatha inzuzo yokufa apho umzuzi unokukwazi ukuhlawula xa ungalisebenzisi.
Iimpawu zoMngcipheko onokuzifuna Xa Ucinga Ngokuhlala kwikhaya elinobuhlengikazi
Ingaba uceba ikusasa lakho kwixesha elide kunye neNkxaso Yomshuwalense waseKhaya kunye neNkathalo yexesha elide okanye uhamba okanye ilungu lentsapho kwikhaya lokunakekelwa "ngoku" kunye nokufuna ukufumana uxanduva lwe-inshurensi, iinshorensi ukukunceda uceba uze ucinge zakho iinketho. Ngokuphanda iindlela ezikhethiweyo kunye nokusebenzisa izixhobo ngoncedo lwabacwangcisi bemali kunye nabathengisi bomshuwalense okanye i-ejenti unako ukwandisa iindleko ozifumanayo kwaye uqinisekise ukuba ukhusela impahla kunye nempilo yakho.