Indlela Yokufaka Isicelo Somshwalense Wokukhubazeka Kwezenhlalakahle ukuze uthole Imithi

Ukufaneleka kwe-Medicare Kungakhathaliseki ukuthi ubudala buyini

Akuwona wonke umuntu oya ku-Medicare oneminyaka engama-65 noma ngaphezulu. Uhlelo luyatholakala kubantu abancane uma benokukhubazeka kwezokwelapha . Abantu abane- amyotrophic lateral sclerosis (ALS) , eyaziwa nangokuthi isifo sikaLou Gehrig, abafanelekela ngokuzenzakalelayo, kanye nabantu abanesifo sokuqeda isiteleka sokuphela , okusho ukuthi badinga i-dialysis noma ukufakelwa kwezinso, bayakufanelekela uma bekhokha ngokwanele intela. Nokho, iningi labantu abakhubazekile, bafanelekela ku-Medicare ngokusekelwe kwi-Social Security Disability Insurance (SSDI). Uhlelo lwe-SSDI lusebenza kanjani futhi ungalisebenzisa kanjani?

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Thola uma Ufanelekile Ukukhubazeka Komphakathi

Qiniseka ukuthi uhlangabezana nalezi zidingo ezine ukuze ufanelekele uhlelo lwe-Social Security Disability Insurance (SSDI).

1. Thola Izimali Zokusebenza Zanele

I-Social Security Administration (SSA) bese isebenzisa izikweletu zomsebenzi ukunquma uma uhlangabezana nezilinganiso. Ngo-2017, isikweletu esisodwa somsebenzi silingana ne $ 1,300 emalini ekhokhelwa intela yonyaka futhi izikweletu ezine zilingana no-$ 5,200. Awukwazi ukuthola ama-credits angaphezu kwamane ngonyaka.

Inani lezikweletu zomsebenzi olidingayo ukuze ufanelekele i-SSDI lihlukaniswe libe yizigaba ezintathu zeminyaka:

• Iminyaka engu-24 nangaphansi: Udinga izikweletu eziyisithupha zemisebenzi kule minyaka emithathu ngokushesha ngaphambi kokukhubazeka kwakho.
• Iminyaka engu-24 kuya ku-31: Udinga isikweletu somsebenzi owodwa ngonyaka unyaka ophakathi kuka-21 nonyaka ukukhubazeka kwakho kuqale.
• Iminyaka engu-31 nangaphezulu: Udinga okungenani ama-credits angu-20 omsebenzi (kulabo abaneminyaka engu-31 kuya ku-42 ubudala) eminyakeni eyishumi ngokushesha elandele ukukhubazeka kwakho kuze kube ngu-40 credits (kulabo abangu-62 nangaphezulu) abanama-20 kulawo makhredithi omsebenzi atholakele Iminyaka eyishumi ngaphambi kokukhubazeka kwakho kuqale.

Ithiphu ewusizo: Gcina engqondweni ukuthi noma yimuphi umsebenzi lapho usebenze khona "ngaphansi kwetafula" ngeke ubale ngokuqondene nesidingo sakho seSSA credit credit ngoba izintela azikhokhelwe.

2. Hlangana nemingcele yemali engenayo

Kufanele uthole imali encane kunenani elithile lemali inyanga ngayinye. Ukuthola okuningi kusho ukuthi ungenza "umsebenzi ozuzisa kakhulu" futhi awukhutshaziwe emehlweni e-SSA. Ngo-2017, umkhawulo wokutholwa ngenyanga u-$ 1,170 ($ 1,950 uma uyimpumputhe).

3. Ukufakazela ukuthi Unokukhubazeka Kwezokwelapha

Kumele ube nokukhubazeka kwezokwelapha , kwengqondo noma ngokomzimba, okulindeleke ukuthi kuhlale okungenani ngonyaka owodwa. I-Social Security Administration izocela amarekhodi ezokwelapha ngaphezu kwamaphepha asekela ovela kudokotela wakho njengobufakazi bokukhubazeka.

4. Bonisa ukukhubazeka kwakho kukhulu

Ukukhubazeka kwezokwelapha kumele kube nzima ngokwanele ukuphazamisa ikhono lakho lokusebenza emisebenzini yakho yamanje noma eyedlule. Ikhono lokusebenza komunye umthamo ngokusekelwe eminyakeni yakho yobudala, imfundo kanye nekhono kuyoholela ekufuneni okuphikisiwe kwe-SSDI.

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Hlanganisa Ulwazi ukusekela isimangalo sakho sokukhubazeka

Ngaphambi kokufaka isicelo se-SSDI, udinga ukuqoqa ulwazi. Lokhu kuzokusiza ukuba ugcwalise ngokunembile uhlelo lwakho lokusebenza. Nakhu okudingayo esandleni sakho.

1. Amakhophi amarekhodi akho ezokwelapha ahlobene nokukhubazeka
2. Amakhophi eMibhalo Yokuvuselela Abasebenzi, uma kusebenza
3. Uhlu lwezimo zakho zezokwelapha
4. Uhlu lwemithi yakho
5. Uhlu lwezivivinyo zezokwelapha eziphathelene nokukhubazeka ngezinsuku zesevisi
6. Uhlu lwadokotela nabanye ochwepheshe bezempilo abaye bakuphatha ezinyangeni ezingu-12 ezedlule ngezinsuku zesevisi, amakheli ehhovisi, nezinombolo zefoni
7. Ifomu lokukhishwa kwezokwelapha elisayinwe ukuze uvumele amarekhodi akho ezokwelapha athunyelwe ku-Social Security Administration
8. Umlando kaJobe eminyakeni eyi-15 eyedlule ngencazelo yemisebenzi yomsebenzi
9. Amagama nezinsuku zokuzalwa zomlingani wakho (s), ezedlule nezamanje
10. Amagama nezinsuku zokuzalwa zezingane ezincane
11. Izinsuku zemishado nokuhlukanisa
12. Ulwazi lweBhange lokuhlola kwakho kwezenhlalakahle zakho, uma kuvunyelwe ukukhubazeka
13. Ulwazi lokuxhumana olufaka igama, ikheli kanye nenombolo yocingo kumuntu owaziyo futhi akusekele njengenkomba

Ithiphu ewusizo: Ungase ufune ukucela udokotela wakho ikhophi yamarekhodi akho ukuze uzihlole ngaphambi kokuba uthumele isicelo. Uma uzizwa okungaphezulu kunolwazi olwanele oluchaza isimo sakho sezokwelapha, ungacela ukuvakasha kwehhovisi. Uzofuna udokotela ukuthi afake ulwazi oludingekayo njengengxenye yokuvakashelwa ubuso nobuso kunokuba uphendule ucingo. Ukuhlolwa okuningiliziwe ngokomzimba kaningi okudingekayo ukuqinisa isimangalo se-SSDI.

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Gcwalisa isicelo sakho se-SSDI

Uma uqoqa imininingwane yakho, ungafaka isicelo ngokusemthethweni ngezinzuzo ze-SSDI. Lokhu kungenziwa ngezindlela ezintathu.

1. Mathupha. Vakashela ihhovisi lakho lezokuphepha lezenhlalakahle futhi ugcwalise ubuso obuseduze nommeleli wezokuThuthukiswa koMphakathi.
2. Efonini. Qedela isicelo sakho kufoni ku-1-800-772-1213. Abameli bezokuThuthukiswa koMphakathi bayatholakala ngoMsombuluko kuze kube uLwesihlanu 7 ekuseni kuya ku-7: 00 Isikhathi Esivamile sase-Eastern ukukusiza.
3. Online. Izicelo ziyatholakala kwiwebhusayithi yezokuphepha kwezenhlalakahle. Ungalondoloza uhlelo lwakho lokusebenza ngenkathi uhamba bese ulugcwalisa kalula.

Ithiphu ewusizo: Inqubo yesicelo ithatha isikhathi, isilinganiso esisodwa kuya kweyamahora amabili kuye ngokuthi kunzima kangakanani kwenkinga yakho. Qinisekisa ukubeka eceleni isikhathi esanele sokuqedela uhlelo lwakho lokusebenza kahle.

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Yenza isikhalazo uma ngabe Icala lakho le-SSDI lilahliwe

Kungathatha i-Social Security Administration (SSA) izinyanga ezintathu kuya kwezinhlanu ukuvuma noma ukuphika isicelo sakho, esifushane uma isimo sakho sezokwelapha sibalwe ohlwini lweMibandela Yokunikezelwa Kwemvume. Imibandela yalolu hlu ngokuvamile kulindeleke ukuba ibe nokuphila okufishane kanye nezidingo zezempilo eziphakeme.

Uma ngabe isicelo sakho sinqatshelwe nganoma yisiphi isizathu, ungakhetha ukukhalaza isinqumo. Ngo-2016, abantu abangaphezu kwezigidi ezingu-2.3 basebenzise i-SSDI, kodwa amaphesenti angu-32 kuphela amacala avunyelwe ngalolo nyaka.

Kunezigaba ezine zokukhalaza. Uma kunoma yikuphi izinga lakho icala lakho livunyiwe, inqubo yokudlulisela imisa lapho.

1. Ukubukwa kabusha. Kulesi simo, uhlelo lwakho lokusebenza luzobuyekezwa okwesibili ngethimba elisha labantu ngabasebenzi ejensi kahulumeni.
2. Ukuzwa ngejaji lomthetho wezokuphatha. Ijaji elingazange libandakanye ekubuyekezweni kwakho kwecala lizohlola icala lakho. Ungangenisa ofakazi bokulalelwa ukuba afake ubufakazi kuwe. Izindlebe zivame ukuba ngumuntu kodwa zingenziwa futhi efonini uma kunesidingo.
3. Ukubukezwa nguMkhandlu Wokudluliswa Kwezenhlalakahle. UMkhandlu Wokudlulisa Izigwegwe unquma ukuthi ngabe awuzwa yini icala lakho noma ngemuva kokubukeza imiphumela evela ekulaleleni kwakho. Bangase babuyekeze icala ngokwabo noma babuyisele emuva ukuzwa ngejaji lomthetho wesibili lokuphatha.
4. Ukubuyekezwa kwenkantolo yase-Federal. Isigameko sokugcina ukufaka icala enkantolo yesifundazwe.

Ithiphu ewusizo: Uma icala lakho livinjelwe kunoma yiliphi izinga, ungase udinge ukuqinisa icala lakho. I-SSA inezidingo eziqinile kakhulu, futhi izikhathi eziningi, amadokhumenti amaningi ezokwelapha adingekayo ukuze akhombise ukukhubazeka kwakho. Ungase uthande ukucubungula ukuhlolwa okuzimele kwezokwelapha, okungukuthi uhlolwe udokotela onolwazi ohlelweni lokufaka izicelo futhi ongenza ukuhlolwa okusebenzayo okubhekana nezidingo ze-SSA.

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Indlela Nini Okuzoqala Ngayo ku-Medicare

Uma usuvunyelwe i-SSDI, usendleleni eya ku- Medicare . Uma nje i-SSDI yakho ingasusiwe nganoma yisiphi isizathu, uzobhaliswa ngokuzenzekelayo ku- Medicare Part A no- Part B enyangeni yakho engu-25 yezinzuzo ze-SSDI ezilandelanayo. Ama- premium akho azokhipha ngokuqondile isheke lakho lokuhlomula le-SSDI.

Kuzodingeka ufake isicelo sohlelo lwe-Medicare Part D, okuyi-plan yemithi yesiguli, ngokwakho.

Cabanga ngokucophelela ngaphambi kokwenza noma yiziphi izinqumo ukunciphisa i-Medicare uma use-SSDI. Ngisho noma ucabanga ukuthi uhlelo oluthile lwezempilo luzokwenyuka kancane kumaducucbles waminyaka yonke noma ama-premium ngenyanga, lokhu ngeke kusebenze ngoba:

1. Uma wenqaba i-Medicare Part A, uzolahlekelwa yizo zonke izinzuzo ze-Social Security , kufaka phakathi i-SSDI yakho.
2. Uma ugcina i-Medicare Part A kodwa wehla i-Medicare Part B, awufanelekile ukuthola olunye umshuwalense wezempilo, okungukuthi kusuka kwi-Health Insurance Marketplace noma inkampani yomshuwalense wangasese. Kuphikisana nomthetho ngala macebo ukuthengisa noma ukuthengisa kuma-beneficiaries ahlanganisiwe.

Iphuzu eliwusizo: Ngeke nje ulahlekelwe izinzuzo zakho zokukhubazeka kwe-SSDI nemali engenayo yesikhathi esizayo uma unqabela ukugula, kodwa uzolahlekelwa ukufinyelela ekunakekelweni kwezempilo okungabizi. Imikhawulo yezezimali yesikhathi eside ikhulu kakhulu.

> Imithombo:

> Umbiko Wonyaka Wokubanjelwa Ngomshwalense Wokukhubazeka Kwezenhlalakahle, 2011 - Imiphumela yezicelo zezinzuzo zokukhubazeka. Iwebhusayithi yokuPhatha kwezokuThuthukiswa komphakathi http://www.ssa.gov/policy/docs/statcomps/di_asr/2011/sect04.html.

> Izinzuzo zokuhlela: Izikweletu Zokuphepha Komphakathi. Iwebhusayithi yokuPhatha kwezokuThuthukiswa komphakathi https://www.ssa.gov/planners/credits.html.

> Izibalo zabaSebenzi abakhubazekile abakhubazekile ngeKhalenda Yonyaka, iKota, Nenyanga. Iwebhusayithi yokuPhatha kwezokuThuthukiswa komphakathi https://www.ssa.gov/oact/STATS/dibStat.html.

> SEAK Umhlahlandlela Kazwelonke Wezivivinyo Ezizimele Ezizimele . https://www.imenet.com/content/imedir.pdf.

> Umsebenzi obalulekile kakhulu. Iwebhusayithi yokuPhatha kwezokuThuthukiswa komphakathi https://www.ssa.gov/oact/cola/sga.html

Izwi kusuka

Akuwona wonke ukukhubazeka kwezokwelapha okukufanelekela ukuba uMshuwalense Wokukhubazeka Kwezenhlalakahle (SSDI), kodwa i-SSDI ikufanelekela ku-Medicare. Ukufaka isicelo se-SSDI kungadla isikhathi, kepha kungase kudingeke umzamo uma unesidingo. Funda ukuthi ungayisebenzisa kanjani inqubo ngesinyathelo futhi ugweme noma yikuphi okungahambi kahle.