Inkqubo yoVavanyo
IArthritis yenye yezona zinto ezibangela ukukhubazeka. Umntu ophethwe yi-arthritis ufanelekela njani izibonelelo zokukhubazeka kweNtlalo? NgokukaJim Allsup, uLawulo loKhuselo loLuntu lusetyenziswa inkqubo ebizwa ngokuba nokuhlolwa okulinganayo ukuqinisekisa ukuba ngubani oza kufumana izibonelelo zokukhubazeka. UMnu Allsup ungumongameli kunye ne-CEO ye-Allsup Inc. Ukususela ngo-1984, u-Allsup uthi inkampani yakhe inayo:
- ngokuncedisa ngempumelelo abantu abangaphezu kwe-100,000 kuwo wonke umhlaba bafumana izibonelelo zabo zokukhubazeka.
- bafumana u-97% wexabiso lokunikezelwa.
Izigulane eziye zancedwa yi-Allsup zidlalwa ziimeko ze-rheumatic kunye nezifo ze-musculoskeletal ezifana ne:
- osteoarthritis
- irheumatoid arthritis
- lupus
- fibromyalgia
5 Amanyathelo okuQinisekisa iziNcedo zokukhubazeka
Yiyiphi inkqubo yokuvandlakanya esetyenziswayo ukufumanisa iinzuzo zokukhubazeka? UMnu. Allsup uchaza inkqubo ye - intsebenzo yokuhlola eyiminyaka emihlanu :
Inyathelo 1: Ngaba usebenza?
Inyathelo 1 limisela nje ukuba umntu "usebenza", ngokweNkcazo yoLawulo loKhuseleko loLuntu. Ukufumana okungaphezulu koMsebenzi oPheleleyo wenyusa inyanga nje ngokuba umqeshwa ukwanele ukungafanelanga ukufumana izibonelelo zokukhubazeka kweNtlalo.
Inyathelo 2: Ngaba Imoya Yakho Ikhulu?
Inyathelo 2 libonisa ukuba ukungaphumeleli kufuneka kube nzima ngokwaneleyo ukukhawulela ngokwaneleyo ukukwazi ukwenza umsebenzi ophantsi wokusebenza.
Ukongezelela, ukungaphumeleli kufuneka kudlule, okanye kulindeleke ukuba kuphele, ixesha eliqhubekayo elingangeenyanga ezili-12.
Inyathelo lesi-3: Ingaba imeko yakho ibhalwe phantsi?
Inyathelo lesi-3 libuza ukuba ukuphazamiseka kudibana okanye kufana neloluhlu lwezokwelapha. Ulawulo loKhuselo loLuntu luphulaphula umzimba phantsi kweenkqubo ezili-13 ezinkulu okanye uludwe.
Kuqulethwe kwezi zi-13 ziinkqubo ezingaphezu kwezi-150 zeemeko zonyango ezithi, ngokubhekiselele kuLawulo loKhuseleko loLuntu, zinzima ngokwaneleyo ukukhusela umntu ekwenzeni nawuphi na umsebenzi.
I-arthritis iqwalaselwa phantsi kweNkqubo yeMzimba yeMisculoskeletal kwaye inezintlu ezithile zezokwelapha okanye iinkalo.
Arthritis evuthayo
Ukuze ukwanelise imilinganiselo yokudweba, umntu one- arthritis evuthayo (njenge- rheumatoid arthritis ) kufuneka abe nokuvuvukala okuqhubekayo, intlungu kunye nokunciphisa amanyathelo afana ne:
- ikhefu
- ngamadolo
- iinyawo
- mahlombe
- izibonda
- izibonda kunye nezandla
I-Arthritis ehlaziyiweyo
Abantu abane- arthritis ephazamisayo (i-osteoarthritis) banelisa iimfuno ukuba banemida ephawulekayo ngokusebenzisa iingalo / izandla zabo okanye banenkinga enkulu yokuma nokuhamba. Abo baneengxaki ezibalulekileyo emva okanye ezintanyeni ngenxa yeenkqubo eziguguzayo kufuneka babe neengqondo eziqhubekayo, i-reflex kunye nokulahleka kwemoto ukuwanelisa iimfuno ezidweliswe.
Iimeko ezingabhalwanga
Nangona kunjalo, ukuba i-arthritis yomntu ayinelisekisi uluhlu lwezokwelapha, ulawulo loKhuseleko loLuntu luyaqhubeka kumanyathelo amabini alandelayo ukuba ubone ukuba umntu unokuthi afanelekele izibonelelo zokukhubazeka. Kwimanyathelo amabini alandelayo:
- Ulawulo loKhuselo loLuntu lukhangele ngokukodwa kwimiqobo kunye neempawu ezibangelwa yi-arthritis ezinokuchaphazela umntu ukuba enze umsebenzi.
- Ulawulo loKhuselo loLuntu lukhangele ngakumbi kwiimpembelelo eziphathelene nomsebenzi wokuba ne-arthritis.
Inyathelo 4: Ngaba Unako Ukusebenza Ngaphambili?
Inyathelo lesi-4 liphonononga amandla omntu ukuba enze umsebenzi awenzile ngaphambili nangona unobungozi. Ukuba ulawulo loKhuseleko loLuntu lufumanisa ukuba umntu unokwenza umsebenzi wakhe wangaphambili, inzuzo iyanqatshelwe. Ukuba umntu akakwazi, ke inkqubo iya kuthotho lwesihlanu kunye nesinyathelo sokugqibela.
Inyathelo 5: Ngaba Unokwenza Naluphi Olunye Uhlobo Lo msebenzi?
Isinyathelo sesi-5 sinquma omnye umsebenzi, ukuba kukho, umntu angakwazi ukwenza. Ulawulo loKhuselo loLuntu lujonge:
- ubudala
- imfundo
- izimvo zokusebenza
- imeko yomzimba / yengqondo
Ukucacisa ukukhubazeka, uLawulo loKhuselo loLuntu lusetyenziswa kwimithetho yomsebenzi, eyahlukahluka ngokweminyaka yobudala. Umzekelo, ukuba umntu ukhona:
- Ngaphantsi kweminyaka engama-50 kwaye, ngenxa yeempawu ze-arthritis, akakwazi ukwenza oko Ulawulo loKhuselo lwezeNtlalo lubiza umnxeba umsebenzi, ngoko ulawulo loKhuseleko loLuntu luya kufikelela ekuqinisekiseni abakhubazekileyo. Umsebenzi onobudala udinga amandla okuphakamisa ubuninzi beepounds ezili-10 ngelo xesha, hlala iiyure ezintandathu kwaye uhambe ngezinye iixesha uze ume iiyure ezimbini ngosuku lweeyure ezisibhozo.
- Ubuneminyaka engama-50 okanye ngaphezulu kwaye, ngenxa yokukhubazeka kwakhe, kuncitshiswa ekwenzeni umsebenzi wokuhlala kodwa engenazo izakhono ezinxulumene nomsebenzi owamvumela ukuba enze njalo, Ulawulo loKhuselo loLuntu luya kufumana isigqibo sokukhubazeka.
- Ngaphezulu kweminyaka engama-60 kwaye, ngenxa yokukhubazeka kwakhe, akakwazi ukwenza nayiphi na imisebenzi eyenzayo kwiminyaka eyi-15 edlulileyo, Ulawulo loKhuselo loLuntu luya kufumana isigqibo sokukhubazeka.
- Nawuphi na ubudala kwaye, ngenxa ye-arthritis, inokukhubazeka kwengqondo ekhusela umsebenzi olula, ongenalwazi, Ulawulo loKhuselo loLuntu luya kufumana isigqibo sokukhubazeka.
Iingxaki zokunqoba iiNzuzo zoKhubazeka koLuntu
Abantu abangaphezu kwesigidi bafakela izibonelelo zokukhubazeka kunye noLawulo loKhuseleko loLuntu ngonyaka.
- Iindaba ezimbi kukuba, phantse ababini kwababathathu abenza izicelo zokukhubazeka baya kunqatshelwa.
- Iindaba ezilungileyo kukuba, uncedo lwenzululwazi lufumaneka ukuncedisa kwinkqubo kwaye uphucule iimpawu zakho zokuphumelela ityala lakho.
Ukhuseleko lweNtlalo-ntle
Ukhuseleko lwezeNtlalo yinkqubo yomshuwalense ehlawulwe irhafu yakho ye-FICA.
Bonke abaMerika basebenzayo banikela i-7.65 pesenti kuyo yonke imali yokuhlawula kwi-Federal Insurance Contributions Act (FICA) irhafu.
Ngaphantsi komthetho we-Federal Insurance Contributions Act, iirhafu ze-FICA zizonke i-15.3 pesenti yemali oyifumanayo. Ingqikithi ye-12,4 ekhulwini yemali engenayo (ukuya kumda wonyaka) ihlawulwe kwiKhuseleko loLuntu, i-2.9 ekhulwini yengeniso yakho (engenakho umda) ihlawulwa kwi-Medicare. Ukuba ungumqeshwa, ukhokhela isiqingatha seRhafu yeFICA (iipesenti ezi-6.2 zoKhuseleko loLuntu + 1.45 ekhulwini kwi-Medicare malunga neepesenti ezingama-7.65), umqeshi wakho ukhokhela kwezinye iipesenti ezingama-7.65. Abantu abahlawula ngokuzenzekelayo kwi-15.3 yepesenti.)
Eminye yale ntlawulo iya kwi-inshorensi yokukhubazeka yokhuseleko loLuntu. Nangona kunjalo, iingxaki ze-bureau ezijongene neNkqubo yoLondolozo lweNtlalo yeNhlalakahle yoKhubazeka zikhusela ukuhanjiswa okufanelekileyo kunye nokukhawuleza kwezibonelelo zokukhubazeka kubantu abafanelekileyo.
Iingxaki Xa Usebenzisa Izibonelelo Zokukhubazeka
Ukuba ukhetha ukufaka izicelo zokukhubazeka ngokwakho, kukho iingxaki ezininzi oza kujamelana nazo ezifana:
- izibambiso zamabango ezikhubazekileyo ezingafumanekanga.
- Iinyanga ezi-ezintlanu zilinde emva kokufaka ibango ngaphambi kokufumana impendulo kwibango lokuqala, kwaye phantse unyaka wokulibaziseka okongeziweyo xa ibango lifowunelwa.
- amacala okukhubazeka ulindele ukuhlaziywa, kunye namakhulu ezinkulungwane zamatyala eziza kuhlaziywa ngonyaka ngamnye.
Ngaba Ufuna ukumela?
Nangona ekuqaleni kulungiselelwe ukwenza kube lula ukuba abantu bazimele, abazange bathathe ixesha elide amagqwetha kunye nabameli ukuba babandakanyeke kwinkqubo yokukhubazeka. Ubume kwiimeko zoKhuseleko loKhuseleko loLuntu lunokubaluleka ekubeni:
- Ukufunda iinkcukacha zenkqubo kunokuba nzima.
- imithetho iyanzima kakhulu.
- iingcali ziyazi iinkcukacha zenkqubo.
- iingcali zingaphucula iingxaki zakho zokufumana izibonelelo zokukhubazeka.
Kutheni Ufanele UyiSebenze Izibonelelo Zokukhubazeka Zentlalo?
Kutheni ndifanele ndifake izicelo zokukhubazeka kweNtlalontle ukuba umqeshi wam okanye inkampani yinshurensi sele sele ihlawula izibonelelo?
Abo bangayazi impendulo yalo mbuzo banokutshintsha. Kwaye ke abaqeshi abangaqapheli ukungabikho koqeqesho lweNtlalo yezoLuntu baxabisa isabelo esikhulu sabasebenzi babo bokukhubazeka kunokuba kuyimfuneko.
> Imithombo:
> Allsup Inc
> Ukupapashwa kwe-IRS 15; Ulawulo loKhuselo loLuntu