Inqubo Yokuhlola
I-arthritis ingenye yezimbangela eziyinhloko zokukhubazeka. Umuntu ohlukunyezwa yi-arthritis ufanelekela kanjani izinzuzo zokukhubazeka kwezenhlalakahle? Ngokusho kukaJim Allsup, i-Social Security Administration isebenzisa inqubo ebizwa ngokuthi ukuhlola okulinganayo ukuze kunqume ukuthi ubani ozozuza izinzuzo zokukhubazeka. UMnu. Allsup ungumongameli kanye nomphathi we-Allsup Inc. Kusukela ngo-1984, u-Allsup uthi inkampani yakhe ine:
- ngokusiza ngempumelelo abantu abangaphezu kuka-100,000 ezweni lonke bathola izinzuzo zabo zokukhubazeka.
- sithole isilinganiso se-award% sika-97%.
Iziguli eziye zasizwa yi-Allsup zivame ukubhekana nezimo ze-rheumatic nezifo ze-musculoskeletal ezifana:
- i-osteoarthritis
- i-arthritis ye-rheumatoid
- lupus
- i-fibromyalgia
Izinyathelo ezinhlanu zokuthola izinzuzo zokukhubazeka
Iyiphi inqubo yokuhlola esetshenziselwa ukunquma izinzuzo zokukhubazeka? UMnu. Allsup uchaza inqubo yokuhlola elandelanayo yesinyathelo esilandelayo :
Isinyathelo sokuqala: Ingabe usebenza?
Isinyathelo 1 simane sinquma uma umuntu "esebenza", ngokusho kwencazelo yezokuThuthukiswa koMphakathi. Ukuthola okuningi kunomsebenzi oqakathekileko wokulinganisa inani ngenyanga njengoba isisebenzi sikwanele ukungafaneleka ekutholeni izinzuzo zokukhubazeka kwezenhlalakahle.
Isinyathelo sesibili: Ingabe Isimo Sakho Siyingozi?
Isinyathelo sesibili sisho ukuthi ukukhubazeka kumele kube nzima ngokwanele ukunciphisa amandla akho okwenza umsebenzi oyisisekelo wokusebenza ukuze ufaneleke .
Ngaphezu kwalokho, ukukhubazeka kufanele kudlule, noma kulindeleke ukuthi kuhlale isikhathi eside, isikhathi esingaphansi kwezinyanga ezingu-12.
Isinyathelo sesi-3: Ingabe Isimo Sakho Siphuthelele?
Isinyathelo sesi-3 sibuza ukuthi ukukhubazeka kuhlangana noma kufana nokufakwa ohlwini lwezokwelapha. UkuPhathwa kwezokuThuthukiswa koMphakathi kudlulisela umzimba phansi kuma-system ama-13 amakhulu noma ukufakwa ohlwini.
Kuhlanganiswe kulezi zinhlelo ezingu-13 kunezigaba ezingaphezu kuka-150 zezimo zezokwelapha okuthi, ngokusho kwezokuPhathwa kwezeMphakathi, zinamandla ngokwanele ukuvimbela umuntu ukuba enze noma yimuphi umsebenzi.
I-arthritis ibhekwa ngaphansi koMzimba WeMisculoskeletal Body futhi inezinhlu ezimbalwa zezokwelapha noma izigaba.
I-Arthritis Yokuvuvukala
Ukuze ukwanelise izindlela zokubeka ohlwini, umuntu onesifo samathambo esibangela ukuvuvukala (okufana nesifo samathambo ) kumele abe nokuvuvukala okuqhubekayo, ubuhlungu nokulinganiselwa kwamalungu afana nalokhu:
- izinyathelo
- amadolo
- amaqabunga
- amahlombe
- izintambo
- izinsipho nezandla
I-arthritis ehlukumezayo
Abantu abane- arthritis enesifo (i-osteoarthritis) banelisa izidingo uma benokulinganiselwa okuphawulekayo besebenzisa izingalo / izandla zabo noma banenkinga enkulu yokuma nokuhamba. Labo abanezinkinga ezibalulekile emuva noma ezintanyeni ngenxa yezinqubo eziphuthumayo kumele babe nokuzwa okuqhubekayo, ukucabanga nokulahleka kwezimoto ukuze kugcwaliswe izinyathelo ezibalulwe.
Izimo ezingabhalwanga
Kodwa-ke, uma i-arthritis yomuntu enganelisi uhlu lwezokwelapha, ukuPhathwa kwezokuThuthukiswa koMphakathi kuyaqhubeka nasezinyathelweni ezimbili ezilandelayo ukuze ubone ukuthi ngabe umuntu angasakwazi yini ukuthola izinzuzo zokukhubazeka. Ezinyathelweni ezimbili ezilandelayo:
- Ukuphathwa kwezokuThuthukiswa koMphakathi kubheka ngokuyinhloko ukuthi ukulinganiselwa kwangempela kanye nezimpawu ezenziwa yi-arthritis kuthinta ikhono lomuntu ukwenza umsebenzi.
- Ukuphathwa kwezokuThuthukiswa koMphakathi kubheka ngokuqondile umthelela ohlobene nomsebenzi wokuba ne-arthritis.
Isinyathelo 4: Ungakwazi Yini Ukusebenza Ngaphambili?
Isinyathelo 4 sihlola ikhono lomuntu ukwenza umsebenzi akwenzile esikhathini esidlule naphezu kokukhubazeka kwakhe. Uma Ukuphathwa Kwezokuphepha Komphakathi kuthola ukuthi umuntu angenza umsebenzi wakhe odlule, izinzuzo ziphikisiwe. Uma lo muntu engakwazi, ke inqubo iqhubeka isinyathelo sesihlanu nesokugcina.
Isinyathelo 5: Ungayenza Noma Yimuphi Uhlobo Lwomsebenzi?
Isinyathelo 5 sinquma ukuthi yimuphi omunye umsebenzi, uma ukhona, lowo muntu angakwazi ukwenza. Ukuphathwa kwezokuThuthukiswa koMphakathi kubheka:
- ubudala
- imfundo
- isipiliyoni somsebenzi
- isimo somzimba / sengqondo
Ukunquma ukukhubazeka, ukuPhathwa kwezokuThuthukiswa koMphakathi kuhlanganisa imithetho yokusebenza, ehlukahluka ngokuya kweminyaka. Isibonelo, uma umuntu ekhona:
- Ngaphansi kweminyaka engu-50 futhi, ngenxa yezibonakaliso ze-arthritis, engakwazi ukwenza lokho ukuPhathwa koMphakathi kwezokuThuthukiswa koMphakathi kubiza ngomsebenzi wokuhlala, i-Social Security Administration izofinyelela ekunqumeni kwabakhubazekile. Umsebenzi we-Sedentary udinga ikhono lokuphakamisa amakhilogremu angu-10 ngasikhathi sinye, uhlale amahora ayisithupha futhi uhambe ngezinye izikhathi uphinde ume amahora amabili ngosuku lwehora lesishiyagalombili.
- Ubuneminyaka engu-50 noma ngaphezulu futhi, ngenxa yokukhubazeka kwakhe, kunomkhawulo wokwenza umsebenzi ohlala phansi kepha awunamakhono ahlobene nomsebenzi amvumela ukuba enze kanjalo, ukuPhathwa kwezokuThuthukiswa koMphakathi kuzofinyelela ekunqumeni kwabakhubazekile.
- Uneminyaka engaphezu kwengu-60 futhi, ngenxa yokukhubazeka kwakhe, akakwazi ukwenza noma yimiphi imisebenzi ayenzile eminyakeni engu-15 edlule, ukuphathwa kwezokuPhathwa koMphakathi kuzothola ukuzimisela kwabakhubazekile.
- Noma yikuphi ubudala futhi, ngenxa ye-arthritis, inokukhubazeka kwengqondo okuvimbela ngisho umsebenzi olula, ongenalwazi, UkuPhathwa KwezokuThuthukiswa Komphakathi kuzofinyelela ekunqumeni kwabakhubazekile.
Izinkinga Zokunqoba Nezinsizakalo Zokukhubazeka Zokuvikeleka Komphakathi
Abantu abangaphezu kwesigidi abafakela izinzuzo zokukhubazeka noHlelo lokuPhatha kwezokuThuthukiswa koMphakathi unyaka ngamunye.
- Izindaba ezimbi , cishe ababili kwabangu-3 abafaka izicelo zenzuzo yokukhubazeka bayokwenqatshwa.
- Izindaba ezinhle ukuthi, usizo lobuchwepheshe luyatholakala ukusiza ngenqubo futhi kuthuthukise izinkinga zakho zokuwina icala lakho.
Umshuwalense Wokukhubazeka Komphakathi
Ukukhubazeka kwezenhlalakahle yindlela yomshwalense ekhokhelwa intela yakho ye-FICA.
Bonke abasebenza baseMelika banikela ngamaphesenti angu-765 kuzo zonke izinkokhelo eziya kumthelela we-Federal Insurance Contributions Act (FICA).
Ngaphansi komthetho we-Federal Insurance Contributions Act, intela ye-FICA ingamaphesenti angama-15.3 wemali oyitholile. Inani elingamaphesenti angu-12,4 omholo wakho owatholile (kuze kube semkhawulweni waminyaka yonke) ukhokhwa ku-Social Security, amanye amaphesenti angu-2.9 wemali oyihola (engenamkhawulo) akhokhwa ku-Medicare. Uma ungumsebenzi, ukhokhela isigamu sezintela ze-FICA (amaphesenti angu-6.2 wezokuThuthukiswa koMphakathi + 1,45% e-Medicare ngenani eliphelele lama-7.65%), umqashi wakho ukhokha kwamanye amaphesenti angu-7.65. Abantu abasebenza ngokuzikhokhela kuzo zonke amaphesenti angu-15.3.)
Eminye yaleyo ntlawulo ihamba ekubhekaneni nokuphepha komshuwalense wokukhubazeka yi-Social Security Administration. Kodwa-ke, izinkinga ezibucayi ezihlupha uhlelo lwe-Social Security Administration lwe-Disability Insurance program zivame ukuvimbela ukusatshalaliswa okulungile nokusheshayo kwezinzuzo zokukhubazeka kubantu abafanelekile.
Izinkinga Uma Usebenzisa Izinzuzo Zokukhubazeka
Uma ukhetha ukusebenzisa izinzuzo zokukhubazeka ngokwakho, kunezinkinga eziningana oyobhekana nazo njenge:
- ukubuyela emuva kwemibandela yokukhubazeka engaphenduliwe.
- inyanga ephakathi kwezinyanga ezinhlanu ilinde emva kokufaka isimangalo ngaphambi kokuthola impendulo ekumangalisweni kokuqala, futhi cishe unyaka wokubambezeleka okungeziwe uma isimangalo sifuna.
- izimo zokukhubazeka ezilindele ukubuyekezwa, namakhulu ezinkulungwane zamacala eziza ukubuyekezwa unyaka ngamunye.
Ingabe Udinga Ukumela?
Nakuba ekuqaleni kwaklanyelwe ukwenza kube lula ngabantu ukuba bazimele ngokwabo, akuzange kuthathe isikhathi eside abameli nabamele ukuba bahileleke ohlelweni lokukhubazeka. Ukumelelwa kwimeko yokukhubazeka kwezenhlalakahle kungabaluleka kusukela:
- ukufunda imininingwane yesistimu kungaba nzima.
- imithetho iyancipha.
- ochwepheshe bayazi imininingwane yenqubo.
- ochwepheshe bangase bathuthukise izinkinga zakho zokuwina izinzuzo zokukhubazeka.
Kungani Kufanele Ufake Izinzuzo Zokukhubazeka Ezokuphepha Komphakathi?
Kungani kufanele ngifake izicelo zokukhubazeka kwezenhlalakahle uma umqashi wami noma inkampani yomshuwalense isivele ikhokha izinzuzo?
Labo abangayazi impendulo yalowo mbuzo bayashintsha ngokwabo. Futhi-ke abaqashi abangaqapheli ukungabi nalutho kwe-Social Security qualification kubakhokhela isabelo esikhulu sabasebenzi abakhubazekile ngenxa yokukhubazeka kunalokho okudingekile.
> Imithombo:
> Allsup Inc
> Ukushicilelwa kwe-IRS 15; UkuPhathwa KwezokuPhepha Komphakathi