Indlela Isiqondiso Sikahulumeni Esivimbela Ukuhlukunyezwa Kwesithandani
Njengokungathi akunzima ngokwanele ukubuka umlingani wakho ekhula egula, ukubona ukuthi oshade naye alahlekelwe amandla okusebenza ngokuzimela, noma ukuba umngane wakho womshado ahambe kude nawe, nawe kufanele ucabange ukuthi wenza okulungile kumyeni wakho noma umkakho , okungukuthi, ukuwabeka ekhaya lokuhlengikaza , kuzokulimaza ngokwezimali.
Abaningi abakhulile abakwazi ukukhokhela ukunakekelwa kwezingane zokunakekelwa kwabantwana , hhayi ngokwabo.
Izindleko ezijwayelekile zenyanga ngenyanga yendawo ebelwana ngayo yi $ 6,692 ngenyanga noma $ 80,304 ngonyaka. Ikamelo elizimele, liphakeme kakhulu ku-$ 7,604 ngenyanga. Lona imali engu-91,248 ehamba ngonyaka!
Njengoba i- Medicare ingabheki ukunakekelwa kwezingane ezinesikhathi eside futhi abantu abambalwa bangakwazi ukukhokhela umshwalense wokunakekela isikhathi eside , okushiya abaningi baseMelika ukuba baphenduke eMedicaid. Ukufaneleka kwe-Medicaid, okungenani uma kuziwa ekunakekelwa kwesikhungo sokunakekela izingane noma ukunakekelwa kwekhaya isikhathi eside, kusekelwe kumafa akho njengombhangqwana .
Yilapho ukuhlelwa kwe-Medicaid kubalulekile. Ungaba kanjani nezimpahla ezimbalwa zomuntu oshade naye ukuze ufaneleke kepha usenayo imithombo eyanele ukuze uhlale emphakathini?
Okushiwo Ukuba "Umlingani Womphakathi"
Uma kuziwa ekunakekelweni kwekhaya lokuhlengikaza, i-Medicaid ibheka izimpahla zakho, okungukuthi, lokho onakho, kanye neholo, okungukuthi, lokho oyiholayo, ngokuhlukile. Kalula nje, babheka izimpahla zakho ndawonye njengombhangqwana kodwa babheka imali engenayo ngokwehlukana njengabantu ngabanye.
Ngaphambi kokuba umthetho ufike ngo-1988, oshade naye owaqhubeka ehlala emphakathini wathatha ukushaya kwezimali. Ukuze kufinyeleleke ekufanelekeni kweMedicaid, imibhangqwana eshadile izodinga ukuchitha phansi impahla yabo, kaningi izikhathi zokusula imali yabo yokugcina impilo yonke. Lokhu kwaholela kumlingani womphakathi ukuthi ashiywe ngemithombo encane yokufeza izidingo.
Kukhona manje ukuvikeleka endaweni yomlingani womphakathi ukuvikela ukuhlukunyezwa komshado.
Ngesikhathi umbuso ngamunye ubeka izindinganiso zawo kanye nemingcele, uhulumeni wesifunda ubeka iziqondiso zalokhu ukuvikelwa kweMedicaid. Lezi zizochazwa ngezansi. Sicela ubheke ohlelweni lwakho lwe-Medicaid lwamazwe oluthile oluphathelene nesimo sakho.
Kumele futhi ukhumbule ukuthi ukuphathwa kwe-GOP yamanje kubheka ukuguqula uhlelo lweMedicaid. Ingabe izinguquko ezihlongozwayo zingathinta lezi zivikelo zomshado noma ziqede ngokuphelele?
Ukuvikela Impahla Yakho
I-Cash, ama-401Ks, ama-403Bs, ama-annuities (inani lemali ngaphambi kokuba likhishwe imali), ama-akhawunti omthengisi, izibopho, izitifiketi zokufaka imali, ukuhlola ama-akhawunti, izinqubomgomo zomshuwalense (inani lemali elingaphezu kwe-$ 1,500), ukutshalwa kwezimali, i-IRAs, izinhlelo ze-Keogh, ama-akhawunti ezimakethe zemali, izimali, okungezona okungekho emthethweni (okungezansi ngezansi), izimoto ezingekho ezingakhokhelwa, amanothi okumela, ama-akhawunti wokulondoloza, namasheya-wonke lawa mafa ahlala ekubhekaneni nokufaneleka kwakho kweMedicaid.
Empeleni, izinto eziningi ongaziguqula zibe yizibalo zemali esheshayo njengezimpahla. Ngisho nezinkokhelo ezibuyiselwayo, njengezindleko ezikhokhelwe ngaphambili nezinsiza ezakhokhelwa ngaphambilini, zingafakwa.
Ngo-2017, izimpahla zakho kufanele zilingane noma zingaphansi kuka-$ 2,000 ukuze zifanelekele ukunakekelwa kwesikhathi eside nge-Medicaid.
Ngokujabulisayo, umlingani womphakathi uvunyelwe ukubambelela kumafa amaningi kunalokho. Eqinisweni, bangakwazi ukugcina isigamu sezinsiza ezitholakalayo kuze kube semali esethelwe Isibonelelo Somthombo Womthombo Womphakathi Womphakathi (CSRA) wombuso. Le mali ibalwa ngosuku "lwesithombe esimisiwe," usuku oshade naye olungafaneleki esibhedlela noma oqala ukunakekelwa isikhathi eside okungenani izinsuku ezingama-30.
Isibonelo sokuqala : Uma umbhangqwana unezigidi ezingu-100,000 ezimalini afanelekayo ngosuku "lwe-snapshot", oshade naye ozohlala enakekelwa isikhathi eside ufanelekile uma izimpahla zakhe zinciphisa zibe ngu- $ 2,000 nomlingani womphakathi ukuya ku-$ 50,000 (isigamu sezingu-$ 100,000) .
I-CSRA yangempela inqunywe yizwe ngalinye, kodwa uhulumeni wesifunda ubeka umkhawulo ophansi nangaphezulu minyaka yonke, ukulungiswa kwezezimali. Ngo-2017, ubuncane benkampani ye-CSRA ngu-$ 24,180 futhi iningi eliphakeme lika-$ 120,900.
Esikhathini esingenhla, uma isimo sabo sisebenzisa i-CSRA encane, umlingani womphakathi ngeke akwazi ukugcina imali egcwele $ 50,000. Bodinga ukuchitha phansi impahla yabo ku-$ 24,180. Kodwa-ke, uma behlala esimweni esinikeze i-CSRA esiphezulu, bangagcina imali egcwele engu- $ 50,000 emafazini, kodwa angabikho.
Ukuvikela Imali Yakho
Imali ebalwa ngokubhekeleka kokufaneleka kweMedicaid ihlanganisa imali, izimpesheni, inzuzo eqashisayo, inkokhelo, kanye nezinzuzo zokuvikeleka kwezenhlalakahle. Ngokungafani nempahla yakho, noma kunjalo, imali engenayo yakho ayithinti ukufaneleka komlingani wakho futhi ngeke kudingeke ukuthi unikele ngemali yakho engenayo ekubhekeni izindleko zabo ze-Medicaid.
Lokho akusho ukuthi imali yakho engenayo ayidlali. Phela, kungenzeka ukuthi uxhomeke emholweni womngane womshado wakho wokuphila kwansuku zonke. Uma umlingani wakho eseMedicaid futhi ethola ukunakekelwa kwesikhathi eside , yonke imali engenayo-isusa isabelo semfuno yomuntu siqu esilinganisweni esingu-$ 30 (esingeke sanele izingubo, ukudla, noma ukuthenga isipho sokuzalwa) kanye nezindleko zanoma yikuphi ukwelashwa izindleko abazenzayo - kulindeleke ukuba baye ngqo ekhaya labahlengikazi. Kuphi okushiya wena noma amalungu omndeni ancike kuleyo engenayo?
I-Minimum Allowance Allowance Allowance (MMMNA) encane iyinzuzo encane eyenziwe yombuso wakho owamukelekayo ukuhlangabezana nesilinganiso sokuphila komlingani womphakathi. Ngeshwa, lesi sabelo sisekelwe emazingeni ompofu ase-federal futhi angeke ngaso sonke isikhathi sikwanele ukuhlangabezana nezidingo zabantu abashadayo.
Uma uhola kancane kune-MMMNA, unelungelo lokuthola ingxenye yengeniso yomlingani wakho ukuze ufinyelele leyo mali ebalulekile.
Isibonelo sesibili : Umbhangqwana oshadile unenzuzo ehlangene ye $ 3,000 ngenyanga, $ 2,000 kusuka kumlingani oqokiwe kanye no-$ 1,000 kusuka kumlingani womphakathi. Ngesimiso se-MMMNA esesimweni sika-$ 2,200, i-Medicaid kumele ivumele imali engamaRandi ayi-1,200 yengeniso yomlingani eyabelwe umlingani womphakathi ($ 2,200 engamaRandi ayizinkulungwane ezingu-1 000). Lokhu kushiya oshade naye esikhungweni ukuba akhokhe ekhaya lasebehlengikazi u-$ 770 ngenyanga ($ 2,000 engaphansi kwe $ 1,200 isusa imali engu-$ 30 yezidingo zomuntu siqu).
Ngo-2017, i-MMMNA isethwe ku-$ 2,030 kuzo zonke izifunda ngaphandle kwe-Alaska neHawaii lapho ihlelwa khona ku-$ 2,536.25 kanye ne-$ 2,333.75 ngokulandelana. Isilinganiso esiphezulu sisethwe ku-$ 3,022.50. Isimo sakho singase sikhethe ukusebenzisa noma yiliphi inani phakathi.
Ukuvikela Ikhaya Lakho
I-Medicaid ayifaki ikhaya lakho njengengxenye yezimpahla zakho, okungenani hhayi ngaso sonke isikhathi. Esikhundleni salokho, basebenzisa imikhawulo yokulingana ekhaya ukuze banqume ukufaneleka kwakho.
Ukuhlala okuyisisekelo kuze kube ngu-$ 560,000 ukulingana akukhishwe kumafa akho angabalwa. Ezinye izifunda ziphakamisa ukuthi umkhawulo wokulingana u-$ 840,000. Ukubamba ukuthi umlingani obambe iqhaza uhlose ukubuyela ekhaya esikhathini esizayo. Kuye ngesimo ohlala kuso, uhlelo lwe-Medicaid lungakubeka umthwalo wokufakaza kuwe ukuthi ubonise ukuthi uzokubuyela ekhaya. Uma lezo ziqu zingafinyeleleki, zingafaka isixhumanisi ekhaya lakho ngenkathi usendlini yokwelapha. Kodwa-ke, isixhumanisi asikwazi ukubekwa uma umlingani womphakathi, ingane engaphansi kweminyaka engu-21 ubudala, ingane eyimpumputhe noma eyakhubazekile, noma umntanakho olinganayo ekhaya ehlala khona.
Imikhawulo yokulingana isekelwe ekuthengisweni kwezimakethe ezilinganiselwe ngaphandle kokungakanani okungokwakho kwi-mortgage. Uma wabelana nobunikazi bendawo, ukulingana kwakho kuyingxenye leyo mali.
Isibonelo sesi-3: Uma wena ngokwakho unomuzi onenani elilinganiselwa ku-$ 600,000 emalini enombuso onomkhawulo wama-560,000 wokulingana, khona-ke amaRandi angu-40,000 azobalwa ngokuqondene namafa akho. Uma ngabe ukhokhelwe u-$ 100,000 ku-mortgage yakho, ukulingana kwakho kungancishiswa ku-$ 500,000, futhi ikhaya lakho ngeke libalwe ngokufaneleka kwakho kwe-Medicaid.
Isibonelo sesi-4: Uma wabelana nobunikazi bekhaya elinenani elilinganiselwa emalini engu-600,000 emalini ezweni elinomkhawulo wokulinganisa u-$ 560,000, ukulinganiswa kwekhaya lakho empeleni ku-$ 300,000, ingxenye yesilinganiso semakethe efanele. Ikhaya lakho ngeke libalwe ngokufaneleka kwakho kwe-Medicaid kusukela isabelo sakho siwela ngaphansi komkhawulo wokulingana ekhaya.
Njengomthetho omkhulu, kukhona okungafani nomthetho. Uma umlingani womphakathi noma ingane yomlingani oqokiwe-ikakhulukazi ingane engaphansi kweminyaka engu-21 ubudala, oyimpumputhe noma okhubazekile okwesikhathi eside-uhlala ekhaya, ayikho imikhawulo yokulingana ekhaya . Indawo yokuhlala ayibalwa ngokuqondene nokufaneleka kwakho kungakhathaliseki ukuthi kuyini inani.
Ngenxa yezindleko ezikhulayo zezindleko zasekhaya zokuhlengikaza, akumangalisi ukuthi iMedicaid ifuna ukuqoqa izindleko ngokusebenzisa uhlelo lwayo lokuvuselelwa kweMedicaid Estate Recovery . Uma kwenzeka ukuthi umlingani oqeshwe esikhungweni ahambe, i-Medicaid inelungelo lokufuna ukuthola ukukhokhelwa ngefa layo, kodwa futhi, kukhona ukuvikelwa okukhona. Amazwe awavunyelwe ukuphinda abuyele ezigodini zabazuzi lapho esaphila ngumlingani womphakathi, ingane engaphansi kweminyaka engu-21, noma ingane enempumputhe noma ukukhubazeka eside .
Izwi elivela
Kukhona okuningi ukufaka umlingani wakho ekhaya elikhulisayo kunokufaka isicelo se-Medicaid. Phela, izimpahla zakho, hhayi nje zomlingani wakho, zithole ukuthi zifanelekile noma cha. Uma uncike emholweni womlingani wakho, kuphi lokhu okushiya? Ikusasa lakho lezezimali lingasengozini. Kungcono kakhulu ukukhuluma nochwepheshe wezomthetho ogxile ku-Medicaid esifundazweni sakho futhi unqume ukuthi ungaphumelela kangakanani ukuvikela izimpahla zakho.
> Imithombo:
> 1396r-5. Ukwelashwa Kwemali Nezinsiza Kwabesifazane abathile Abafundisiwe. Ihhovisi likahulumeni lokushicilela. https://www.gpo.gov/fdsys/pkg/USCODE-2010-title42/pdf/USCODE-2010-title42-chap7-subchapXIX-sec1396r-5.pdf. Ishicilelwe ngo-February 8, 1988.
> I- 2017 I-SSI ne-Spousal Impoverishment Standards. I-Medicaid.gov. https://www.medicaid.gov/medicaid/eligibility/downloads/spousal-impoverishment/2017-ssi-and-spousal-impoverishment-standards.pdf. Ibuyekezwe ngoJanuwari 1, 2017.
> Izindleko Zasekhaya Zokuhlengikaza Izindleko Zombuso. SkilledNursingFacilities.org iwebhusayithi. https://www.skillednursingfacilities.org/resources/nursing-home-costs/.
> Ukwehla komshado. I-Medicaid.gov. https://www.medicaid.gov/medicaid/eligibility/spousal-impoverishment/index.html.
> Abashadile baseMedicaid Abanakekeli Besikhathi Eside. Ihhovisi likaMnumzane uNobhala Wezokuhlela Nokuhlola; UMnyango WezeMpilo waseMelika kanye Nezinsizakalo Zabantu. https://aspe.hhs.gov/basic-report/spouses-medicaid-long-term-care-recipients.