Lapho Uzohlala khona Uma Ungadingi Ikhaya Lwabahlengikazi
Kumuntu omdala osekhulile okhubazekile, ukuhlala ekhaya yedwa akusiso sonke isikhathi. Izinguquko empilweni yakho noma isimo sezokwelapha zingase zikuthathe ekubeni uhlala kahle uqobo ukuze udinga usizo olwenziwe ukwenza imisebenzi yansuku zonke. Kungakhathaliseki ukuthi usemusha noma omdala, kunezinketho ezihlukahlukene zezindlu ongakhetha kuzo lapho ucabangela izinketho zokuphila ezisize. Futhi, ezinye izinhlobo zamalungiselelo ezindlu zingaxhaswa ngemali yonke noma ingxenye nge Medicare , Medicaid , noma umshuwalense wangasese.
Ukunakekela ekhaya
Abanye abantu abakhubazekile bangahlala emakhaya abo noma ezindlini zabo kodwa badinga usizo ngemisebenzi ethile efana nokupheka, yokuhlanza nokuthenga. Uma kungekho abanakekeli bomndeni noma amanye amavolontiya atholakele, usizo olungaphandle luyadingeka. Ama-ejensi ezempilo asekhaya ayisisetshenziswa esinganikeza lezi zinsizakalo.
Ngokuya ngezidingo zomuntu ngamunye, i-Medicaid ingase ihlanganise lezi zindleko. I-Medicare izokhokhela kuphela lezi zinsizakalo ngokusekelwe ezimweni ezithile, kufaka phakathi iziphi izingxenye isiguli esinokubanjwa okwengeziwe (okungukuthi, i-Medicare Part C).
Ukufinyeleleka Ukuhlala Amanyunithi
Ukutholakala kwezinyunyana zokuhlala (ADUs) kuthiwa yiyunithi yesibili noma "igumbi elisendlini." Lezi ziqephu zikhona ngaphakathi kwendlu enkulu noma indlu yokuhlala futhi zihlala endaweni ehlukile, ikhishi kanye nokugeza. Lezi zinyunithi zinikeza indawo yokuhlala yangasese kubangani noma kumalungu omndeni ukuba baphile ngokuzimela, kodwa esondelene ngokwanele ukuze anikeze ukunakekelwa kwansuku zonke njengoba kudingeka.
Uma unesithakazelo ekwakheni i-ADU ngaphakathi kwekhaya elikhona, qiniseka ukuthi uhlola ngamabhodi wokwengamela wendawo.
Izinsiza Zokusiza Ezizimele
Izakhiwo zokuhlala ezixhaswe zihluka kakhulu kusuka endaweni kuya endaweni, ngakho-ke nezinsizakalo ezinikezayo. Ezinye izinsizakalo ezivamile zihlanganisa usizo lokunakekelwa kwansuku zonke, ukulungiselela ukudla, kanye nokuhamba.
Izindawo zokuhlala zingase zibe yindlu yokuhlala, indawo yokuhlala, noma izindlu ezihlala phansi ngaphakathi komphakathi omkhulu wezakhiwo ezifanayo.
Ezinye izikhungo zinikeza izinsizakalo zokunakekelwa kwezempilo, kanti abanye banikeza ukuthutha izakhamuzi ezikhundleni zabo zokwelapha ngaphandle. Izakhiwo eziningi zokusiza azikhokhelwa yi-Medicaid noma i-Medicare.
Ukuqhubeka Nokunakekela Imiphakathi Yokuthatha Imhlalaphansi
Ukuqhubeka Nokunakekela Imiphakathi Yomhlalaphansi (CCRCs) inikeza ukunakekelwa okuqhubekayo njengoba isimo somuntu siqhubeka futhi sidinga ukunakekelwa okungaphezulu. Umhlali angase ahlale endaweni ehlala ehlala kuyo yomphakathi bese ehamba endaweni yangasese yomphakathi lapho edingwa ukunakekelwa okuphakeme.
Izivumelwano ze-CCRCs zidinga ukuthi izakhamuzi kumele zisebenzise indawo yokunakekelwa kwezingane zokunakekela izingane uma zidinga lelizinga lokunakekelwa. Izakhamuzi ngokuvamile zikhokha inkokhelo enkulu kanye nenkokhelo yenyanga. Qinisekisa ukuthi ufuna indawo eqinisekisiwe uma ukhetha lolu hlobo lokunakekelwa.
Izindlu Ezixhaswe
Izindlu ezixhaswe, kwezinye izimo, inikeza izinsizakalo ezengeziwe ezikhutshaziwe nabakhulile. Izinsizakalo zingabandakanya ukuhlanza igumbi, ukuhlanza nokuthenga. Izindlu ezixhaswe ngokujwayelekile zivame ukutholakala ngaphakathi kwendawo yokuhlala.
Lezindlu yilabo bantu abanamaphesenti aphansi okulinganisa, kanti isaphulelo sisekelwe esilinganisweni se-sliding. Izinhlelo zikahulumeni nezombuso zivame ukusiza ukusiza izakhamuzi.
Ukubheja izindlu noma izindlu zeqembu
Imikhaya yebhodi yilabo bantu abadinga ukondliwa okungaphezu kokuhlala ekhaya ngokwabo, kodwa abakwazanga ukuhlala ekhaya labahlengikazi. Ikhaya elihlelekayo noma ikhaya leqembu linganikeza ukugeza, usizo lokugqoka, ukugcinwa endlini, ukudla nokuthutha. Kuncike endaweni, la makhaya angase afakwe yi-Medicare noma i-Medicaid; uma kungenjalo, ezinye izinhlelo zikahulumeni nezombuso zingase zinikeze usizo ngokufaka izindleko zokuhlala ebhodini noma ekhaya leqembu.
Izinketho Zokuphila Ezengeziwe
Ukuze ufunde kabanzi mayelana nezinketho zokuphila ezisiza endaweni yakho, thintana nezinhlangano ezilandelayo kumbuso wakho noma esifundeni sakho:
- Izindawo Zendawo Ekuguga: Vakashela i-Eldercare.gov noma ushayele u-1-800-677-1116 ngoMsombuluko kuze kube uLwesihlanu, ngo-9 ekuseni kuya ku-8 ntambama, i-EST.
- Isikhungo Sezinsiza Zokuguga Nokukhubazeka
- Amasevisi Wokuphila Okuzimele
- Uhlelo lwe-State Technology Assistance Project (imishini yezokwelapha nobuchwepheshe bokusiza)
- Ihhovisi le-State Medicaid