Uhulumeni kahulumeni we-Social Security Administration uhlinzeka izinhlelo ezimbili ezinkulu ezihlinzeka ngosizo lwezimali kubantu abakhubazekile: Uhlelo lwe- Social Security Disability Insurance (SSDI) nohlelo lwe-Supplemental Security Income (SSI).
Kungenzeka ukuthi ufanelekele izinzuzo ngaphansi komunye noma omunye, noma kokubili kulezi zinhlelo. Noma kunjalo, izidingo zokufaneleka ze-SSI ne-SSDI zihluke kakhulu.
Ngakho-ke, uma ukhubazekile (ngekhanda elibi kakhulu noma nganoma yini enye), kuzokusiza ukuba uqonde okuyisisekelo shlelo ngalunye, futhi okudingekayo ukuthi usebenzise. Nasi isimiso ku-SSI no-SSDI ukukusiza ukuthi unqume ukuthi ubani ongakulungela.
Izidingo zokufaneleka
Uma ukhuluma ngokufaneleka kwalezi zinhlelo ezimbili zokukhubazeka, kufanele uqonde izindlela zabo zokuxhasa izimali, ngoba izimali zabo zithinta noma cha ukuthola izinzuzo.
I-SSDI (njengezinzuzo zomhlalaphansi wezenhlalakahle) ixhaswa ngemali yentela. Ukuze ufanelekele i-SSDI, udinga ukuthi uqashwe futhi ukhokhele izintela zemiholo iminyaka eyanele ukuze ufaneleke. Lokhu kuncike eminyakeni yakho, kodwa ngokuvamile, udinga ukuthi usebenze futhi ukhokhe intela okungenani iminyaka eyi-10 (abantu abasha bangakwazi ukufaneleka ngomlando omsebenzi omfishane).
Kumele futhi usebenze okungenani izinyanga ezimbili nengxenye kule minyaka eyishumi edlule, futhi ube ngumncane kuneminyaka yobudala yokuthatha umhlalaphansi (okwamanje uneminyaka engu-66 ubudala, kodwa ukhula uneminyaka yobudala engama-67 ngo-2027).
Uma usufike eminyakeni yobudala yokuthatha umhlalaphansi, izinkokhelo zakho zokukhubazeka zizoguqula ngokuzenzakalelayo izinkokhelo ezihlala njalo zomhlalaphansi.
Uma ufanelekela i-SSDI, uzothola izinzuzo zenyanga zonke ezisekelwe kumali oyizuzile. Lokhu kufana nendlela uhlelo lokuthatha umhlalaphansi wezenhlalakahle olusebenza ngayo.
I-SSI, okwamanje, ibizwa ngokuthi yi-need based based: ixhomeke ekudingeni izinzuzo, ngokuphambene nokuthi usebenze isikhathi esingakanani nokuthi ungakanani ukhokhelwe ohlelweni. I-SSI ixhaswa ngezimali ezijwayelekile zentela, hhayi ngezintela zokukhokha, futhi umuntu okhutshaziwe angakwazi ukuthola lolu hlelo ngisho noma engakaze asebenze.
Ukuze uthole i-SSI, kufanele ube nemali engenayo enomkhawulo kanye nezinsiza ezilinganiselwe kakhulu (ezingekho ezingeni lika-$ 2,000 zamafa, hhayi ukufaka ikhaya ohlala kulo nemoto). Inkokhelo yenyanga yonke evela ku-SSI isekelwe kuzidingo zakho zezezimali (hhayi emlandweni wakho wemali). Uma unayo enye imali engenayo, ukukhokha kwakho kwe-SSI kuzoncipha.
Okubalulekile Ukukhubazeka
Ukufaneleka njengokuthi "kukhutshaziwe" ngaphansi kwalezi zinhlelo kungaba yingxenye enzima kakhulu kwinqubo yesicelo. Kuvame ukuba nesicelo sakho senqatshelwe kabili ngaphambi kokuthi kutholakale ekugcineni.
Ngokwe-Social Security Administration, ukukhubazeka kwakho kufanele kudlule izivivinyo ezintathu ukuze kuthathwa njengezifanelekile ku-SSDI noma i-SSDI:
- Ukukhubazeka kwakho kufanele kukuvimbele ekwenzeni umsebenzi owawenza ngaphambili.
- Kumele ungakwazi ukulungisa omunye umsebenzi ngenxa yesimo sakho sezokwelapha.
- Ukukhubazeka kwakho kumele kube sekugcineni noma kulindeleke ukuthi kudlule okungenani unyaka owodwa noma kubangele ukufa kwakho.
I-Social Security Administration izokwenza ukuzimisela ekufanelekeni kwakho ngokusekelwe kwesicelo sakho sezinzuzo. I-ejensi igcina uhlu lwezimiso ezibhekwa njengokukhubaza, futhi amarekhodi akho ezokwelapha azodinga ukufaka ubufakazi bokuthi unesinye salezi zimo noma omunye umbandela ongalingana nokukhubaza.
I-SSD ibhekwa njengendlela yokukhubazeka yesikhathi eside-ukufaneleka kwezibonelelo aziqali kuze kube yilapho ukhubazekile izinyanga ezinhlanu noma ngaphezulu. Uma okwamanje usebenza futhi uthola okungaphezulu kuka-$ 1,100 ngenyanga, ngeke ucatshangwe ukhutshaziwe.
Phakathi naleso sikhathi, ungakwazi ukukhokhela izinkokhelo ze-SSI ezihambelanayo, okuzoqala ngokushesha, uma ukhubazekile kakhulu, njengokukhubazeka okuphelele noma ukuxoshwa komlenze esikhwameni.
Ukunquma ukuthi yiluphi uhlelo olulungile kuwe
I-Social Security Administration ingaphendula imibuzo eyisisekelo mayelana nezinhlelo zayo zokukhubazeka emgqeni wayo wefoni ongakhokhwanga (800) 772-1213. Futhi ungacabangela ukuvakashela ihhovisi lezenhlalakahle zendawo, lapho abamele bangakusiza ngemibandela yokufaneleka.
Ngenxa yokuthi inqubo yokufaka izicelo zezinhlelo zokukhubazeka zombuso inzima futhi idinga ukufaka okubalulekile kusuka ochwepheshe bezokwelapha, abantu abaningi batusa ukuqasha ummeli ukuba banqume ukuthi bangaqhubeka kanjani nokuthi baphathe kanjani isicelo sokukhubazeka kwangempela. Uma unquma ukungena ngemvume nommeli, qiniseka ukuthi uthole okungenani okungenani iminyaka eminingana yokuhlangenwe nakho ekusingatheni amacala okukhubazeka kwezenhlalakahle.
> Imithombo:
> Ukuphathwa Kwezokuphepha Komphakathi. Sibutsetelo Izinhlelo zethu Zokukhubazeka. Ishidi langempela.
> Ukuphathwa Kwezokuphepha Komphakathi. Ukuqonda Imali Yokwethenjelwa Yokwethenjelwa Kwe-SSI Izidingo Zokufaneleka - Uhlelo luka-2015. Ishidi langempela.
> Ukuphathwa Kwezokuphepha Komphakathi. Ukuqonda Imali Yokukhokhelwa Okungeziweko Yokukhokhelwa Imali Ekhokhisiwe Expedited - Edition ka-2015. Ishidi langempela.
> Ukuphathwa Kwezokuphepha Komphakathi. Uyini umehluko phakathi koMshuwalense Wokukhubazeka Kwezenhlalakahle & Imali Yokubhekelelwa Kwezokuphepha? Ishidi langempela.