Indlela Uhlelo Lokuvuselelwa Kwendawo Yokuqeda Impahla Isebenza Ngayo
I-Medicaid , uhlelo lwempilo yomshuwalense wezempilo olusezingeni likahulumeni kubantu abangenayo imali encane, lingathatha imali yalo emuva kwefa lakho emva kokufa kwakho. Uyaziwa ngokuthi uhlelo lwe-Medicaid Estate Recovery Program, i-Medicaid ingabuyisa imali oyisebenzisile ekunakekelweni kwezempilo kusuka endaweni yakho.
Nakuba umqondo weMedicaid ukuthatha imali okungenjalo ngabe uzuze izindlalifa zakho kuyaphazamisa, kuba ngcono kakhulu uma ubheka izizathu ezivela ohlelweni lweMERP.
Njengoba i-Medicaid ixhaswa ngabakhokhi bentela nabasezingeni lombuso, umgomo we-MERP ukunciphisa izindleko zeMedicaid. Uma ingakwazi ukubuyisela ingxenye noma yonke imali eyisebenzisile ekunakekeleni kwezempilo, ithola abakhokhi bentela imali.
Uma i-Medicaid ikhokha ukunakekelwa kwekhaya lakho lokuhlala unakekelwa isikhathi eside, kungenzeka ukuthi ngenxa ye-Medicaid ukuthi kuyoba khona noma yikuphi okushiywe kuyo ukubuyisela imali kusuka. Ngaphandle kokwaziswa kwe-Medicaid, kungenzeka ukuthi ufanele uthengise indlu yakho nezinye izinto eziyigugu ukuze ukhokhele ukunakekelwa kwakho, empeleni ukuchitha impahla yakho ngenkathi usaphila ukukhokha ukunakekelwa kwakho kwesikhathi eside.
Obani Abahlala Ngaphansi Kwezimo Ezihambisana Ne-MERP?
Uhulumeni wesifundazwe unemihlahlandlela evamile ye-MERP, kodwa imininingwane ehlukile kusuka esimweni kuya kwesimo. Imikhombandlela eyisisekelo yomthetho ibeka indawo yakho engcupheni uma okungenani uneminyaka engama-55 ubudala uma uthola iMedicaid, noma uma unesikhungo esingunaphakade nganoma yisiphi isikhathi.
Lokhu akusho ukuthi indawo yakho iphephile uma ungaphansi kweminyaka engu-55 uma uthola i-Medicaid, noma uma ungenakunqunywa ngokuphelele.
Amazwe angaphinde abuyele imali evela ezigodini zabamukeli be-Medicaid ezingafanani nenye yalezi zigaba. Kodwa, uma enye yalezi zigaba ikuchaza, iqinisekile ukuthi i-Medicaid izobheka okungenani indawo yakho ye-MERP.
Imaphi Impahla Engabe i-MERP Thatha?
Zonke izifunda zizama ukubuyisela imali ye-Medicaid esetshenziselwa ukunakekelwa kwesikhathi eside njengamakhaya asebekhulile .
Abanye bathi futhi bazama ukuthola imali esetshenzisiwe kwezinye izindleko zezempilo. Amazwe awavunyelwe ukuthatha imali eyengeziwe kusuka kwendawo yakho kunokuba asetshenziswe ekunakekeleni kwakho.
Zonke izizame zizama ukubuyisela kumpahla yefa elidlulayo, kepha abanye bathi futhi bazama ukubuyisela kwezinye izimpahla. Amazwe avunyelwe ukubuyisela imali ye-Medicaid emasimini agweme ukuhlola njengokufana nempahla ehamba ngokubambisana kanye nokukholelwa kokuphila.
Njengoba imithetho yezwe ihlukahluka, indlela kuphela yokukwazi ngokuqinisekile ukuthi indawo yakho isengozini ukuzifundisa ngokuqondene nalokho okushiwo yi-MERP yesimo sakho. Nakuba i-ofisi yakho ye-Medicaid yombuso ingakutshela izinto eziyisisekelo, ungase uthole ukuthi kuyasiza ukuxhumana nomuntu onguchwepheshe onguchwepheshe omdala noma ukuhlelwa kwefa.
Obani Abahlali Abavikelekile?
Izizwe azivunyelwe ukubuyisela impahla lapho oshade naye ephila, kodwa bangazama ukubuyisela izimali zeMedicaid ezisebenzisayo ekunakekelweni kwezempilo ngemuva kokufa komlingani wakho. Izizwe azikwazi ukwenza ukubuyisela uma unomntwana ophilayo ongaphansi kweminyaka engu-21 ubudala, oyimpumputhe noma okhubazekile.
Kwezinye izimo, i-states ayikwazi ukubuyisela izimali ezivela enani lakho endlini uma ingane ekhulile eyakunakekela ihlala khona. Kodwa, le mithetho iyinkimbinkimbi, ngakho-ke uma uthembele kulokhu ukuvikela indlu yakho kusuka ku-MERP, kuzodingeka uthintane nochwepheshe wezokuhlelwa kwempahla noma uthole izeluleko zomthetho.
Amazwe kufanele ahlinzeke ngezinkinga ezingezansi ku-MERP. Kodwa, umbuso ngamunye uzinquma ngokwawo ukuthi uchaza kanjani ubunzima. Uhulumeni kahulumeni uchaza ukuthi izizinda ezibandakanya amabhizinisi amancane omndeni kanye nemifula yomndeni zingabhekwa njengecala lobunzima uma imali engenayo eyakhiwe esakhiweni ibalulekile ekusekeleni amalungu omndeni osaphila.
Ungakuvikela Kanjani Impahla Yakho?
Kwezinye izimo, ngeke ukwazi ukuvikela indawo yakho. Kwabanye, ukuhlela okuthuthukile ngosizo lommeli omdala omdala noma ochwepheshe bezokuhlelwa kwefa kungase kuvikele ezinye izimpahla zefa lakho. Noma, ungathola ukuthi imithetho esesidlangalaleni yakho yenza kube nzima ukuthi i-MERP izame ukuthola amafa avela kwifa lakho.
Njengoba imithetho ye-Medicaid kanye nemithetho ye-probate ihlukahluka kusuka kumbuso kuya esimweni, ngokuvamile indlela yokuphela yendlela yokwazi ukufuna usizo ochwepheshe abajwayele kokubili uhlelo lwe-Medicaid MERP kanye nemithetho ye-probate esifundazweni sakho.