Imibuzo 61 Mayelana Nezinsizakalo Zokukhubazeka Ezokuphepha Komphakathi
I-Allsup Services Disability Services UDavid Bueltemann Uphendula Imibuzo Yakho
Ngokusho kukaDavid Bueltemann, imenenja yabameli bezimangalo eziphezulu, u-CEO uJim Allsup wasungula i-Allsup ngo-1984 ngemuva kokusebenza iminyaka engaba mihlanu njengenkundla yezokuThuthukiswa koMphakathi (SSA) omele izimangalo zokukhubazeka . Ngokusho kukaBueltemann, u-Allsup usize abantu abangaphezu kuka-150 000 ukuthola izinzuzo zabo zokukhubazeka.
"Abantu bavame ukungazi ukuthi insizakalo efana neyethu ikhona. Yile nqubo eyinkimbinkimbi futhi abantu bangazuza ngokuba nesazi abangayethemba kusukela ngosuku olulodwa, nakuba abantu abaningi behlola usizo lokumelwa ngemuva kokuba benqatshelwe Inzuzo Yokukhubazeka Kwezenhlalakahle (I-SSDI) , futhi, "kusho uBueltemann.
Umbuzo # 1: Uyini umehluko phakathi kwe-SSDI ne-SSI?
UDavid Bueltemann: Umshuwalense Wokukhubazeka Kwezenhlalakahle (SSDI) wuhlelo olusekelwe eminikelweni eyenziwe ngabasebenzi abasebenza nokukhokha ku-Social Security. Umthetho Wezinkokhelo Zomshwalense We-Federal (FICA) uyabanjwa yi-Social Security emalini akhokhelwa umuntu. Uma umuntu ehola izikhwama zokwenza umsebenzi ngokwanele, uhlinzekwa izinzuzo zokukhubazeka.
Umuntu angathola ama-credits amane ngonyaka. Inombolo yemiklomelo yomsebenzi edingekayo ngezinzuzo zokukhubazeka ixhomeke eminyakeni yomuntu uma ekhubazeka. Isamba somhlomulo womuntu sincike ekutheni uzuze kangakanani nokuthi kungakanani okukhokhelwe ku-Social Security.
Ekuqaleni kuka-2015, i-Social Security ikhokhele inzuzo yokukhubazeka ngenyanga ngenyanga ka $ 1,165.
I-Supplemental Security Income (SSI) uhlelo oluhlukile olulawulwa yi-Social Security futhi luxhaswe ngemali engenayo yentela jikelele. Ihlawula izinzuzo zenyanga zonke kubantu asebekhulile, abayizimpumputhe kanye nabantu abakhubazekile abanemali ephansi kanye nezimpahla ezimbalwa ezibonakalayo.
Isibonelo, umuntu akakwazi ukuqoqa izinzuzo ze-SSI uma izimpahla zomuntu (ezingahlanganisi ikhaya elilodwa kanye nemoto) zidlula u-$ 2000 kumuntu oyedwa noma $ 3000 kumbhangqwana.
Umbuzo # 2: Ngifanelekela kanjani i-SSDI?
UDavid Bueltemann: Kumele ube ngumshwalense. Lokhu kusho ukuthi kumele usebenze futhi ukhokhele ohlelweni (intela yokukhokha okudingekayo) emihlanu eminyakeni eyishumi edlule. Ukwengeza, umuntu oneminyaka engu-31 ubudala oneminyaka engu-31 ubudala uzokwazi ukusebenza ngeminyaka engaphansi kweminyaka emihlanu. Isibonelo, umuntu okhubazekile oneminyaka engu-24 udinga kuphela izikweletu zokusebenza eziyisithupha kuphela; uma ukhubazekile eneminyaka engu-29, udinga izikweletu ezingu-16 zomsebenzi. Uthola isikweletu somsebenzi owodwa kwikota ngayinye yonyaka osebenza kuyo. Kufanele futhi uhlangabezane nencazelo yokukhubazeka kwe-Social Security.
Umbuzo # 3: Iyini incazelo yokukhubazeka komphakathi?
UDavid Bueltemann: SSDI kanye neSSI bahlanganyela incazelo efanayo yokukhubazeka. Kungukungakwazi ukubandakanya noma yimuphi umsebenzi ozuzisa kakhulu ngenxa yanoma yikuphi ukulimala okungokomzimba noma kwengqondo okunqunyiwe ngokomzimba okungalindeleke ukuthi kubangele ukufa noma okuye kwahlala noma kungalindelwa ukuba kuphele isikhathi sezinyanga ezingu 12 noma ngaphezulu . Sisebenza ngaphakathi kwemihlahlandlela yokuphepha kwezenhlalakahle ukuqinisekisa ukuthi lonke ulwazi oludingekile luqoqwe futhi lunikezwe ngendlela engcono kakhulu yokuphatha ukuphepha kwezenhlalakahle.
Umbuzo # 4: Kunzima ukuthola izinzuzo ze-SSDI?
UDavid Bueltemann: Yebo. I-SSA iphika amaphesenti angu-60 abantu abafaka izicelo zokuqala. Yingakho sinezazi ezingaphezu kuka-600 zokukhubazeka kwabasebenzi, kuhlanganise nabasebenzi abaningi bokuqala bezenhlalakahle. Bayazi uhlelo, bayazi inqubo, futhi yilokho abakwenzayo. Siye sakwazi ukuthola isilinganiso sokunikezwa kwamaphesenti angu-98 nabasimangali bethu abahlala enkonzweni yesinqumo sokugcina. I-Allsup yenza inqubo enzima kakhulu yomsebenzisi-friendly.
Umbuzo # 5: Ngidinga ummeleli?
UDavid Bueltemann: Cha. Nokho, abameli baka-Allsup bazokwenza ngcono amathuba akho okuthola izinzuzo zokukhubazeka.
Njengesiqhema, abamele bethu abakhulu bodwa baye bathola iminyaka engaphezu kuka-550 ekuhlangenwe nakho kokukhubazeka.
Umbuzo # 6: Ngingafaka isikhalazo yini uma isinqumo sokuthi Ukuphepha Komphakathi kuphikisana nesimangalo sami?
UDavid Bueltemann: Umuntu ophikisiwe unezinsuku ezingama-60 zokukhalaza, okubizwa ngokuthi kubuyiselwa kabusha. Uma umuntu enqatshelwe futhi uma ecatshangelwa kabusha, unezinsuku ezingu-60 zokukhalaza futhi acele ukuzwa ngaphambi kwejaji lomthetho wezokuphatha. Umuntu ophikisana nejaji lomthetho wezokuphatha unezinsuku ezingu-60 zokudlulisela isikhalazo kuMkhandlu wokuBuyekeza. Uma kunqatshelwe uMkhandlu wokuBuyekeza, lowo muntu angabe esefaka ngaphandle kwe-Social Security Administration e-Federal District Court. Abasebenzi bethu bochwepheshe bathatha abafunayo bethu kuwo wonke amazinga adingekayo.
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Umbuzo # 7: Kuthatha isikhathi esingakanani ukuthola isinqumo?
UDavid Bueltemann: Izikhathi zokucubungula kwezicelo zokukhubazeka ziyahlukahluka kusuka kumbuso kuya kwesimo. Ngokuvamile, isicelo sokuqala sizothatha cishe izinyanga ezine kuya kweziyisithupha ngaphambi kwesinqumo. Ukubheka kabusha (okokuqala isikhalazo) kuzothatha cishe izinyanga ezintathu kuya kwezinhlanu ngaphezulu. Ukuzwa (kwesibili isikhalazo) kuzothatha ezinye izinyanga ezingu-9 kuya kwezingu-15 noma ngaphezulu.
Umbuzo # 8: Ngizothola malini?
UDavid Bueltemann: Kuyindlela eqondile ngokuyinhloko enqunywe ukuthi uzuze kangakanani. Ukukhubazeka okuzuzisayo isilinganiso samasonto onke ngo-2015 kwakungu-$ 1,165 ngenyanga. Ngesikhathi sokuhlola kwethu kokuqala sizokwazi ukulinganisa ukuthi inzuzo yakho yanyanga zonke izoba yini.
Umbuzo # 9: Ingabe Ukuphepha Komphakathi Kungathatha Izinzuzo zami ze-SSDI?
UDavid Bueltemann: Yebo. Akukwenzeki kaningi, kodwa ungakwazi ukulahlekelwa izinzuzo zakho zokukhubazeka uma isimo sakho sithuthuka kuze kube yilapho ungasakwazi ukuhlangabezana nencazelo ye-SSA yokukhubazeka. I-SSA kumele ibonise ukuthi kube nokuthuthukiswa kwezokwelapha okuhlobene nokukwazi kwakho ukusebenza ngaphambi kokuba kuphele izinzuzo zakho ze-SSDI.
Umbuzo # 10: Ngingathola yini izinzuzo ezengeziwe uma nginezingane?
UDavid Bueltemann: Abantwana abaneminyaka engama-18 noma abangazange baphumelele esikoleni esiphakeme banelungelo lokuthola izinzuzo uma umzali eshonile, ethatha umhlalaphansi noma ekhubazekile. Ngokuvamile, izingane ezincike kumzali okhutshaziwe zizothola cishe inzuzo engama-50% yomzali okhutshaziwe ngenyanga.
I-50% ihlukaniswe ngokulinganayo phakathi kwabo bonke abaxhomekile ekufanelekile.
Inothi lomhleli: Uma unabantwana abaningana, inzuzo engama-50% izoqhubeka nokuhlukaniswa (ngokulinganayo nangokugcwele) phakathi kwezingane zakho ezisele kuze kube yilapho umuntu ngamunye othembekile eba ngu-18 noma abaphothule esikoleni esiphakeme.
Umbuzo # 11: Umuntu angasebenza futhi athole inani elithile ngenkathi ethola i-SSDI?
UDavid Bueltemann: Kunezimpendulo ezimbili kulo mbuzo ezibalulekile ukugqamisa.
Okokuqala ukuthi i-Social Security Administration inehlelo elenzelwe ukukuvumela ukuba uzame futhi ufake kabusha umsebenzi ngaphandle kokufaka izinzuzo zakho ze-SSDI. Lesi sikhathi sokusebenza kwecala (TWP) sineminye imikhawulo. Kukhawulelwe ezinyangeni ezingu-9 zomsebenzi wokuhlola esikhathini esingangezinyanga ezingu-60 kodwa phakathi nalezo zinyanga zomsebenzi azikho imikhawulo yokuthi ungayithola kanjani futhi uqoqe i-SSDI. Uma ushayele inyanga engu-10 noma kunjalo, izinzuzo zakho ze-SSDI zizobe sezihlelelwe ukuphela cishe izinyanga ezintathu kamuva.
Okwesibili, impendulo eyisisekelo yukuthi ungathola imali engama-$ 810 ngenyanga ngo-2016 ngaphandle kokulahlekelwa i-SSDI yakho noma ukuba ibale ngokumelene nezinyanga ezingu-9 zomsebenzi wokuhlola ovumelekile. Ukwengeza, isikhathi sokusebenza sezilingo asiqinisekisiwe uma ubuyela emsebenzini ngaphambi kokuba kukhishwe isimangalo sakho sokukhubazeka. Kubalulekile ukuqaphela ukuthi ngesikhathi sokusebenza kwesilingo i-SSA ingahlola kabusha uma usuhlangabezana nezindinganiso zokukhubazeka okusekelwe emsebenzini owenzayo, futhi lokhu kungaholela ekulahlekelweni kwezinzuzo zakho ze-SSDI. Uma ngemuva kwe-TWP yakho usakhubazekile, ungase uvumeleke isikhathi esanele sokufaneleka (i-EPE), isikhathi esingangezinyanga ezingu-36 kusukela ngenyanga ye-10 ye-TWP lapho inzuzo ingakhokhwa nganoma iyiphi inyanga lapho inzuzo ngenani lemali eningi eyinzuzo (SGA).
Inani le-SGA ngo-2016 liyi $ 1,130 ngenyanga ngo-2016 (noma $ 1,820 uma uyimpumputhe). Uma ukuthuthukiswa kwezokwelapha kwenzeka i-TWP ingaba ngaphansi kwezinyanga ezingu-9.
Umbuzo # 12: Zikhona yini ezinye izinzuzo zokuthola i-SSDI?
UDavid Bueltemann: Yebo, kunezinzuzo eziningana eziza ne-SSDI ngaphezu kwemali engenayo yenyanga njalo. Isibonelo, kungakhathaliseki ukuthi uneminyaka yakho, izinyanga ezingu-24 ngemuva kokuthola usuku lwakho lokuthola izinzuzo ze-SSDI, ufanelekile ku-Medicare, kufaka phakathi Ingxenye A (izinzuzo zezibhedlela) kanye neNgxenye B (izinzuzo zezokwelapha). Kukhona izinhlelo ezihlukahlukene zeMedricare Advantage ezikhona.
Umbuzo # 13: Uma imali yengenayo idlula inani lemali elitholakalayo elinemali engenayo kanye nezindleko zabo ze-SSDI, zizoqhubeka yini zithola izinzuzo zeMedare uma zibhekwa zikhubazekile?
UDavid Bueltemann: Abaningi abakhubazekile abasebenza bazoqhubeka nokuthola izinyanga ezingu-93 ezilandelanayo zesibhedlela kanye nomshuwalense wezokwelapha okhokhelwayo ngaphansi kweMedare, emva kwesikhathi sokusebenza kwesilingo sezinyanga ezingu-9.
Awakhokheli i-premium yomshuwalense wesibhedlela. Nakuba izinzuzo zemali zingase ziphele ngenxa yomsebenzi, unesiqinisekiso sokuthi umshuwalense wezempilo uphelele.
Umbuzo # 14: Kwenzekani emva kwezinyanga ezingu-93? Umuntu angayithenga yini ku-Medicare?
UDavid Bueltemann: Emva kwezinyanga ezingama-93 zokukhokhelwa kweMeditraire okungenayo i-premium ngenxa yomsebenzi, abanye abantu ababuyele emsebenzini bangase bathenge ukuhanjiswa okuqhubekayo kwe-Medicare, uma nje behlala bekhubazekile ngemithi. (Lokhu kusebenza kuphela labo bantu abakhubazekile ngokwemithi kodwa abaqhubeka nokusebenza naphezu kokukhubazeka kwabo.) Abanye abantu abanemali ephansi kanye nezinsizakalo ezilinganiselwe bangase bafanelekele usizo lombuso ngalezi zindleko.
Umbuzo # 15: Ingabe iminyaka yenza umehluko uma usebenzisa?
UDavid Bueltemann: Kungenzeka. Uma isimo sakho singahlangabezane nesethi ethize yezidingo zezokwelapha , ubudala bomuntu bangangena esinqumweni sokukhubazeka.
Umbuzo # 16: Ngomunye umuntu omdala, i-SSA ingahle ibe yinkimbinkimbi encane kunomuntu omncane?
UDavid Bueltemann: Yebo. Umuntu oneminyaka engaphansi kweminyaka engu-50 unenkinga enzima kakhulu yokubhekwa njengekhutshaziwe yi-SSA.
Umbuzo # 17: Kufanele ngifake nini izinzuzo ze-SSDI?
UDavid Bueltemann Ungafaka isicelo ngokushesha uma kunqume ukuthi unokukhubazeka okuzokugcina ungasebenzi izinyanga ezingu 12 noma ngaphezulu, noma ukuphela. Iphutha elivamile abantu abakwenzayo lilinde isikhathi eside kakhulu ukusebenzisa.
Umbuzo # 18: Ingabe i-SSA isacabanga ukuthi i- Residual Functional Capacity (RFC) uma isenza ukuzimisela ukukhubazeka?
UDavid Bueltemann: Yebo. Isetshenziselwa isinyathelo sesi-5 senqubo yabo yokuhlola.
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Umbuzo # 19: Ingabe i-SSDI ima lapho ngineminyaka engu-62 noma ingabe izoqhubeka kuze kube yilapho sengigcwele iminyaka yobudala yomhlalaphansi?
UDavid Bueltemann: Uzothola inzuzo egcwele ye-SSDI onelungelo uma uqhubeka ukhubazekile. Ekufinyeleleni kweminyaka yakho yokuthatha umhlalaphansi ngokugcwele (65-67), izinzuzo zakho zizoguqulwa ezinsizakalweni zokukhubazeka ezihlomulweni zomhlalaphansi.
Umbuzo # 20: Uyeluleka ukuthini uma umuntu engakwazi ukusebenza kodwa hhayi emsebenzini womzimba futhi akakwazi ukuthola umsebenzi ongewona ongokomzimba?
UDavid Bueltemann: Akunandaba no-SSA uma kungekho muntu okuqashile, kodwa kubaluleke kakhulu kubo ukuthi awukhutshaziwe. Bahlulela ukuthi ngabe ukhubazekile, hhayi ukuthi umuntu uzoqasha yini.
Umbuzo # 21: Ngiyazi ukuthi i-SSA inemikhakha ehlukile yokukhubazeka okuhlukile. Yini abayibheka ngokuqondile ku- rheumatoid arthritis (RA)?
UDavid Bueltemann: Kunzima. Nasi isixhumanisi kwiwebsite yethu nayo yonke imininingwane.
Umbuzo # 22: Odokotela bami baye bathi nginempilo ekhubazekile. Angizange ngisebenze eminyakeni engaphezu kwengu-10. Isitatimende sami sithi anginayo izikweletu ezanele ngesikhathi esifanele. Noma yikuphi ukusikisela, noma kufanele ngikunike nje?
UDavid Bueltemann Hlola Ngezokuphepha Komphakathi ukuze ubone ukuthi ufanelekile yini ku-SSI, esekelwe kwimithombo yakho yezimali. Ungaba nelungelo lokuthola umhlalaphansi oneminyaka engama-62 ubudala, enesidingo esithile sezindaweni zokwaziswa.
Umbuzo # 23: Ingabe izinqubo ezifanayo ezisetshenziselwa ukunikeza iziguli ze-SSDI izifo ze-arthritis (RA) ezisetshenziselwa ukucacisa ukuthi zihlala zikhubazekile yini noma zibuyela emsebenzini?
UDavid Bueltemann: I-SSA isebenzisa indinganiso efanayo yezokwelapha eyayisetshenziselwa ukusungula ukukhubazeka kwakho kwasekuqaleni. I-SSA kumele ibonise ukuthi isimo sakho sezokwelapha sithuthukile nokuthi lokhu kuthuthukiswa kuhlobene nokukwazi kwakho ukusebenza.
Umbuzo # 24: Ukwengeza ku-RA, ingabe i-SSDI nayo isacubungula ezinye izinkinga zempilo ezinjengemiphumela emibi yemithi , izinkinga zesilonda, ukucindezeleka , nokukhathazeka?
UDavid Bueltemann: Yebo.
Umbuzo # 25: Ingabe ikhono lokusebenza into kuphela i-SSA ibheka? Ngamanje ngibhekene nesimo lapho kusebenza noma konke okunye empilweni yami. Uma ngisebenza, angipheki, ngihlanzekile, njll.
UDavid Bueltemann: Uma i-SSA inquma ukuthi unamandla okusebenza, ngeke isebenzise umkhawulo emisebenzini yakho yansuku zonke ukuze ushintshe leso sinqumo. Ngamanye amazwi, bazobheka kuphela ukuthi ungasebenza yini ngosuku olulodwa lwehora.
Umbuzo # 26: Abantu abanenkinga yokusebenza ngezinye izikhathi besaba ukufaka isicelo se-SSDI ngenxa yezindaba ezesabekayo ngabantu abaphikisiwe futhi kusobala ukuthi asikho isiqinisekiso. Abantu bazi kanjani ukuthi basekulungele ukufaka isicelo ngethuba elihle lomphumela ophumelelayo?
UDavid Bueltemann: Impendulo eqinisile ukusebenza uma nje unakho . Bese usebenzisa ngokushesha ngangokunokwenzeka lapho uphoqeleka ukuba uyeke ukusebenza ukuze unciphise isikhathi phakathi kokuyeka ukusebenza bese uqala ukuthola izinzuzo ze-SSDI.
Umbuzo # 27: Ungachaza ukuthi u-Allsup angasiza kanjani umuntu ukufeza umphumela ophumelelayo?
UDavid Bueltemann: Lokho esikwenzayo kwenza inqubo yesicelo esinkimbinkimbi lula ukuhamba.
Abamele bethu banekhulu leminyaka yokuhlangenwe nakho kwezokuThuthukiswa koMphakathi. Sizokuhamba ngenqubo. Uhlala ekhaya futhi senza umsebenzi.
Umbuzo # 28: Ngabe ngiyiqonda kahle uma usufaka isicelo se-SSDI ukuthi ungayithola okokuqala ezinyangeni ezingu-4 kuya kwezingu-6?
UDavid Bueltemann: Uma unikezwa izinzuzo zokukhubazeka ekuqaleni kwesicelo, ngokuvamile kuthatha izinyanga ezingu-4 kuya kwezingu-6.
Umbuzo # 29: Endabeni yomuntu osebenza isikhathi esigcwele ingabe i-SSA inganikeza isisindo esingaphezulu uma umuntu ezama ukuhamba isikhathi esithile kuqala noma ingabe akukhathazi ngempela?
UDavid Bueltemann: Uma umuntu esebenza ezingeni lemali engenayo ka $ 1,130 ngenyanga ka 2016 (noma $ 1,820 uma uyimpumputhe) okuyiyona eyinhloko Umsebenzi omkhulu, iSSA izophika isimangalo sokukhubazeka ngaphandle kokucubungula noma yisiphi isimo sezokwelapha.
Umbuzo # 30: Ingabe umshwalense wokukhubazeka wesikhathi eside wesikhathi eside usiza ukuthola imvume ye-SSDI?
UDavid Bueltemann: Akunjalo ngokuzenzakalelayo. Kuqinisekisa ukuthi unokukhubazeka kodwa izincazelo zokukhubazeka kwesikhathi eside nokukhubazeka kwezenhlalakahle zihlukile.
Umbuzo # 31: Uma isicelo se-SSDI sibonisa ukuthi usebenza ngeviki lamahora angu-40, kodwa uthi unenkinga neminye imisebenzi yokuphila yansuku zonke, usabhekwa njengamandla okusebenza, ingabe ngilungile?
UDavid Bueltemann: Ulungile .
Umbuzo # 32: Iyiphi imali yakho yokubonisana? Ingabe i-Allsup isebenza kuwo wonke ama-50 athi?
UDavid Bueltemann: Sinikeza ukuhlolwa kwamahhala ukuthola ukuthi ungakufanelekela yini i-SSDI. Siphinde sibasize abantu abaye benqatshelwe izinzuzo noma babhekene nokuzwa. Uma sicabanga ukuthi ungafaneleka, futhi unikezwa izinzuzo, sishaye iphesenti yesikhathi esisodwa sezinzuzo zakho zokubuyisela emuva (emuva). I-SSA ibeka i-cap ku-$ 6,0000, noma i-25%, noma yikuphi okungaphansi. Futhi asikhokhisi izigameko, njengamarekhodi wezokwelapha. Sisebenza kuwo wonke ama-50 athi.
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Umbuzo # 33: Ingabe yonke i-Allsup inamahhovisi wendawo noma ingabe sisebenza nomuntu ngokude?
UDavid Bueltemann: Konke okushiwo emazingeni amabili okuqala enqubo kulandelwa endlunkulu yethu kazwelonke eSt. Louis. Senza wonke umsebenzi efonini nakuma-imeyili. Uma icala lihamba phambi kwejaji lomthetho wezokuphatha, khona-ke ummeli wethu uzoba khona ekulalelweni nommangali.
Umbuzo # 34: Uma ufaka okokuqala, azikho izinzuzo zokubuyisela noma kunjalo. Kulungile?
UDavid Bueltemann: Kuxhomeke ekutheni ukukhubazeka kwakho kuqale nokuthi ninikezwa .
Umbuzo # 35: Ingabe imithi noma ezinye izindleko zomsebenzi we-IRWE (ezihlobene nokukhubazeka) zibalwa nomkhawulo we-$ 1,130 we-SGA? Uma wenza amaRandi ayi-1,200 kodwa udinga imali engu-300 emithi ukuze usebenze, ingabe ibala u-$ 900 kuphela?
UDavid Bueltemann: I- IRWE ingadalulwa ku-$ 1,130, kodwa futhi, ingaba yinkimbinkimbi. Imithi eminingi ayibhekwa njenge-IRWE, kodwa abanye bangase babe. Lesi sinqumo esiyinkimbinkimbi.
Umbuzo # 36: Ngingathanda ukwazi uma owesilisa angadonsela ngaphezu kwesifazane, ubudala obufanayo?
UDavid Bueltemann: Isekelwe kulokho okhokhelwe khona, hhayi ubulili bakho.
Umbuzo # 37: Isizathu engangizibuza singumfana oneminyaka engama-30 ubudala nomlando omncane womsebenzi udonsela okungaphezu kwalokho engakwenza.
UDavid Bueltemann: Akusiyo umlando womsebenzi, kusekelwe kulokho abakhokha khona.
Kuyinto yokubala okunzima kakhulu.
Umbuzo # 38: Unayo yini ongayifaka kuleli phuzu uDavid?
UDavid Bueltemann: Yebo. Sithanda ukuveza ukuthi i-SSDI ayikho indlela yenhlalakahle. Kungumgomo womshuwalense ogunyaziwe uhulumeni nje. Wakhokhela ama-premium ngokusebenzisa intela yakho ye-FICA ngenkathi usebenza.
Umbuzo # 39: Uma umuntu engakwazi ukuqhubeka esebenza futhi ehlangabezana nemigomo ye-SSDI (okubasiza ukuba banqume ukuthi bayakwazi yini ukuhlangabezana nemigomo) kukhona ilungelo kusukela umuntu ekhokhela kuloluhlelo, alungile?
UDavid Bueltemann: Yebo. Uma benomlando womsebenzi (bakhokhelwa intela ye-FICA) futhi bengasakwazi ukusebenza ngenxa yokugula noma ukukhubazeka, bangafaka isicelo se-SSDI.
Umbuzo # 40: Uthatha amacala aphiwe? Uma kunjalo, inqubo yesikhalazo ithatha isikhathi esingakanani?
UDavid Bueltemann: Yebo. Samukela izimangalo kunoma yikuphi ukucubungula ngaphambi kokuba ijaji lomthetho wezokuphatha lenze isinqumo. Izikhathi zokucubungula kwezicelo zokukhubazeka ziyahlukahluka kusuka kumbuso kuya esimweni. Impendulo enengqondo ukuthi isicelo sokuqala sizothatha cishe izinyanga ezingu-4 kuya kwezingu-6 ngaphambi kwesinqumo. Ukubukwa kabusha (okokuqala isikhalazo) kuzothatha cishe izinyanga ezintathu kuya kwezingu-5 ngaphezulu. Ukuzwa (kwesibili isikhalazo) kuzothatha izinyanga ezingu-9 kuya kwezingu-15 noma ngaphezulu.
Umbuzo # 41: Uzibona kaningi kangakanani ukuphika kwemvume kokuzama kwesibili?
UDavid Bueltemann: Kuyi- 14% kuphela yokucubungula kabusha okuvunyelwe, kepha izinga lokuvunywa lithuthukisa kakhulu 63% ezingeni lesithathu (ijaji lomthetho wezokuphatha) lenqubo.
Umbuzo # 42: Unesibalo sokuthi zingaki ukuzama kokuqala okuphikisiwe yi-SSDI? Ingabe kuvamile noma kungavamile ukuphikiswa emzamweni wokuqala?
UDavid Bueltemann: Ukuvikeleka kwezenhlalakahle ukuphika cishe 2/3, noma 64%, kuzo zonke izicelo zokuqala.
Umbuzo # 43: Mangaki ama-turndowns okuqala awenzile ezingeni lesithathu? Ngamanye amazwi, bangaki abantu abayekela?
UDavid Bueltemann: Asinayo izinombolo eziqondile, kodwa kuningi kakhulu. Iminyaka yethu engaphezu kwengu-25 yokuhlangenwe nakho isitshela ukuthi kubalulekile ukuhlala enkambiswaneni isikhathi eside ngangokunokwenzeka.
Umbuzo # 44: Kungani ukuguga, imfundo kanye nesipiliyoni somsebenzi kungabhekwa njengokungathi umuntu angathola izinzuzo? Lokhu kwashiwo kimi lapho ngifuna ummeli wokukhubazeka emva kokuphika okwesibili.
UDavid Bueltemann: Lezo zinto ziyingxenye yemithetho ye-SSA. Uma isimo sakho sezokwelapha singahlangabezane nohla lwezokwelapha lwe-SSA noma uma i-SSA inquma ukuthi awukwazi ukwenza umsebenzi wakho odlule, ubudala, imfundo kanye nesipiliyoni somsebenzi yizici kulesi sinyathelo sokugcina senqubo yabo yokuhlola.
Umbuzo # 45: Kungani abantu abaningi kangaka benqatshelwe lapho kuqala behamba kodwa bevunywa kamuva?
UDavid Bueltemann: Kunezizathu eziningana kodwa isizathu esiyinhloko ukuthi inqubo yokuhlola ezingeni lesithathu ihlukile emazingeni amabili okuqala.
Umbuzo # 46: Ngayiphi indlela?
UDavid Bueltemann: Abahluleli kumele balinganise ubufakazi bese bephendula ezinkantolo eziphakeme.
Iya kuNgxenye 5 --- 61 Imibuzo Ngezinsizakalo Zokukhubazeka --->
Umbuzo # 47: Kubaluleke kangakanani udokotela wesiguli ohlelweni? Ingabe zibalulekile ekuhlinzekeni izincwadi njll, noma amarekhodi wezokwelapha afinyeleleke kalula?
UDavid Bueltemann: Odokotela (i- rheumatologists yeziguli ze-arthritis) zibalulekile kuzo zonke izinyathelo zenqubo futhi imibono yabo ibaluleke kakhulu emazingeni aphezulu okukhalaza.
Umbuzo # 48: Ingane ekhubazekile kakhulu (manje engu-13) ingafaneleka yini kunoma yiziphi izinzuzo. Ingane ibhekene ne-cerebral palsy kanti ubaba nguye osebenzayo kuphela futhi bathi uyakwenza kakhulu kodwa okwamanje izindleko zezokwelapha ziyabuhlungu?
UDavid Bueltemann: Akayikufanelekela ohlelweni lwe-SSDI.
Umbuzo # 49: Ngoba ungumzali okufanele afaneleke, ulungile?
UDavid Bueltemann: Ulungile .
Umbuzo # 50: Ingane ingayifanelekela i-SSI?
UDavid Bueltemann: Imali engenayo kababa yayiyinto ebalulekile. I-SSI isho ukuthi isekelwe.
Umbuzo # 51: Uma umuntu engenawo amarekhodi wezokwelapha kahle ayenaso isikhathi esinzima? Yini abangayenza ukuze bathuthukise amathuba abo?
UDavid Bueltemann: Imibhalo yezokwelapha ibaluleke kakhulu kule nqubo. I-SSA inganquma ukuthumela ummangalelwa ekuhloleni kokubonisana ukuze kusize ukuqoqa ulwazi ngesinqumo sabo.
Umbuzo # 52: Odokotela babo? Kwadokotela okhethwe ngu-SSA Ngangisho.
UDavid Bueltemann: Ngokujwayelekile hhayi.
Umbuzo # 53: Ingabe abahlengikazi be-SSA abachwepheshe kubangabalimi inkinga ethile? Ngabe omunye umuntu onama-RA angathunyelwa ebhodini eliqinisekisiwe le-rheumatologist ?
UDavid Bueltemann: Akunjalo ngempela.
Umbuzo # 54: Bonke ubufakazi bomzimba bucatshangwa, lungalungile? Ama-X ray , imiphumela yebhu , ukuhlinzwa ?
UDavid Bueltemann: Ulungile .
Bonke ubufakazi bezokwelapha babhekwa.
Umbuzo # 55: Ingabe umuntu kufanele ayeke ukusebenza ukuze afake isicelo?
UDavid Bueltemann: Yebo.
Umbuzo # 56: Ingabe izitatimende ezivela kubaqashi bakho zisiza (ie ubunzima obulotshiwe ekusebenzeni umsebenzi wakho)?
UDavid Bueltemann: Yebo.
Umbuzo # 57: Iyini izinga lokuphumelela lika-Allsup ekusebenzeni kokuqala?
UDavid Bueltemann: Ukuphumelela kuka-Allsup kungu-55% ezingeni lokuqala, uma kuqhathaniswa nezinga eliphelele lokuphumelela lika-35%.
Sifuna ukugcizelela ukubaluleka kokuhlala enkambisweni futhi sisebenzise zonke izikhalo.
Umbuzo # 58: Kubalulekile ukuthi ungamiswa ukukhungatheka ngaleso sikhathi?
UDavid Bueltemann: Ngokuqinisekile!
Umbuzo # 59: Zikhona yini izizwe ezingcono noma ezimbi uma usebenzisa noma zikhangisa? Ingabe ezinye zithatha isikhathi esinqunyiwe sokunquma?
UDavid Bueltemann: Yebo. Izinga lemiklomelo kanye nezikhathi zokucubungula ziyahlukahluka kakhulu ezweni lonke.
Umbuzo # 60: Yini umuntu angayilindela lapho ehamba phambi kwejaji?
UCarol Ukulunga: Lesi sihloko sizokwazisa ukuthi yini ongayilindela ekulalelweni nokulungisa. Bheka Ukulungiselela Usuku Lakho eNkantolo.
Umbuzo # 61: Ngingatholaphi ulwazi oluthe xaxa mayelana noMshuwalense Wokukhubazeka Kwezenhlalakahle (SSDI)?
UDavid Bueltemann: Sinikeza iwebhusayithi ekhethekile, i-AllsupPlace.com, ngolwazi olubanzi mayelana ne-SSDI yezivakashi namakhasimende we-Allsup. Siyabonga ngokusinika ithuba lokuxoxa futhi uphendule imibuzo enhle kakhulu. Noma ubani odinga ulwazi oluthe xaxa angashayela u- (800)279-4357 noma uvakashele ku-www.allsup.com.
Umthombo:
Umbhalo wengxoxo (uhleliwe) - Hamba uCarol Justice noDavid Bueltemann kusuka ku-Allsup Inc. Kubuyekezwe 02/03/16.