Indlela yokufaka isicelo seNtshuwalense yoKhuseleko loKhuseleko loLuntu ukufumana i-Medicare

Ukufaneleka kweMedare ngokungakhathaliseki ubudala

Akuyena wonke umntu oya kwi-Medicare uneminyaka engama-65 okanye ngaphezulu. Inkqubo ifumaneka kubantu abancinci ukuba banokukhubazeka kwezonyango . Abantu abane- amyotrophic lateral sclerosis (ALS) , eyaziwa nangokuthi isifo sikaLou Gehrig, esizifumana ngokufanelekileyo, kunye nabantu abaphelile isifo se-renal , oku kuthetha ukuba badinga i-dialysis okanye i-kidney transplant, bafanelekile ukuba bahlawule ngokwaneleyo kwiirhafu. Uninzi lwabantu abakhubazekileyo, nangona kunjalo, bafanelekile kwi-Medicare ngokusekelwe kwiNtshurensi yokuKhubazeka kweNtlalo (SSDI). Iprogram ye-SSDI isebenza njani kwaye ungayisebenzisa njani?

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Fumana ukuba Ufanelekile ukukhubazeka koLuntu

Qinisekisa ukuba uhlangabezana nale miqathango emine ukuze ufaneleke kwiNkqubo ye-Inthanethi yoKhubazeka koKhuseleko lweNtlalo (SSDI).

1. Fumana i-Credits Yesebenzi elaneleyo

Ulawulo loKhuseleko loLuntu (SSA) ke lusebenzisa iikhredithi zomsebenzi ukugqiba ukuba uhlangabezana neempendulo. Ngo-2017, enye yemboleko yemisebenzi ilingana ne-$ 1,300 kwimali engenayo yerhafu yonyaka kwaye ezine iikredithi ezilingana ne-$ 5,200. Awukwazi ukufumana amanqaku angaphezu kwama-4 ngonyaka.

Inani lemali-mboleko yomsebenzi oyifunayo ukufumana i-SSDI ihlulwe ibe ngamaqela emithathu:

• Ubuneminyaka engama-24 nangaphantsi: Udinga iimpawu zokusebenzela ezintandathu kule minyaka emithathu ngokukhawuleza ulandele ukukhubazeka kwakho.
• Umda wama-24 ukuya ku-31: Ufuna umvuzo omnye wonyaka ngamnye phakathi ko-21 kunye nomnyaka ukukhubazeka kwakho kwaqala.
• Ubuneminyaka engama-31 nangaphezulu: Udinga ubuncinane ubuncinane bemisebenzi engama-20 (kule minyaka engama-31 ukuya kweyama-42 ubudala) kwiminyaka eyi-10 ngokukhawuleza ulandele ukukhubazeka kwakho kunye nama-credits angama-40 (kulawo angama-62 nangaphezulu). Iminyaka engama-10 ngaphambi kokukhubazeka kwakho.

Isiluleko esinceda: Khumbula ukuba nayiphi na umsebenzi apho usebenze khona "phantsi kwetafile" ayiyi kubala kwi-SSA yakho yemfuno yekhredithi yomsebenzi ngenxa yokuba irhafu ayihlawulwa.

2. Ukuhlangabezana nemingcele yeNgeniso

Kufuneka ufumane ngaphantsi komlinganiselo othile wemali inyanga nganye. Ukufumana okungakumbi kuthetha ukuba ungenza "umsebenzi ozuzayo" kwaye awukhutshaziwe emehlweni eSSA. Ngo-2017, umda wokufumana umvuzo wenyanga i-$ 1,170 (i-$ 1,950 ukuba uyimfama).

3. Bungqina Ukuba Unokukhubazeka Kwezonyango

Kumele ube nokukhubazeka kwezonyango , ngokwengqondo okanye ngokomzimba, okulindeleke ukuba kuphele ubuncinane omnye unyaka. Ulawulo loKhuseleko loLuntu luya kucela iirekhodi zezokwelapha ngokungezelela kumaxwebhu axhasayo evela kugqirha wakho njengobungqina bokhubazeko.

4. Bonisa ukukhubazeka kwakho kukhulu

Ukukhubazeka kwezonyango kufuneka kube nzima kakhulu ukuchaphazela amandla akho okusebenza kwimisebenzi yakho yangoku okanye eyadlulileyo. Ubuchule bokusebenza kwesinye isakhono esisekelwe kwiminyaka yakho, imfundo kunye nekhono lobuchule kuya kubangela ibango elichanyekileyo le-SSDI.

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Hlanganisa iinkcukacha ukuxhasa iNkcazo yakho yokukhubazeka

Ngaphambi kokuba ufake isicelo se-SSDI, kufuneka uqokelele ulwazi. Oku kuya kukunceda ugcwalise ngokuchanekileyo isicelo sakho. Nantsi into oyifunayo ngesandla.

1. Iikopi zeerekhodi zonyango eziphathelele ukhubazeko
2. Iikopi zoxwebhu lweMbuyekezo yoBasebenzi, ukuba lukhona
3. Uluhlu lweemeko zakho zonyango
4. Uluhlu lwamachiza
5. Uluhlu lweemvavanyo zonyango eziphathelene nokukhubazeka kunye nemini yenkonzo
6. Uluhlu lwabagqirha kunye nabanye abaqeqeshi bezempilo abakuphathelele kwiinyanga ezili-12 ezidlulileyo ngemini yenkonzo, idilesi zeeofisi kunye neenombolo zefowuni
7. Ifomu yokukhutshwa kwezokwelapha ezisayinwe ukuvumela iirekhodi zakho zonyango ukuba zithunyelwe kuLawulo loKhuseleko loLuntu
8. Imbali yeYobhi kwiminyaka eyi-15 edlulileyo ngokuchaza imisebenzi yomsebenzi
9. Amagama kunye nemihla yokuzalwa yeqabane lakho, elidlulileyo nelikhoyo
10. Amagama kunye nemihla yokuzalwa yabantwana abancinci
11. Imihla yemitshato kunye nehlukaniso
12. Ulwazi lweBhanki kwixesha elizayo ukuhlolwa kwezeNtlalo, ukuba kuvunyelwe ukukhubazeka
13. Iinkcukacha zoqhagamshelwano kubandakanya igama, idilesi nenombolo yefowuni kumntu owaziyo kwaye akusekele njengento yokubhekisela

Injongo efanelekileyo: Unokufuna ukucela ugqirha wakho ikopi yamarekhodi akho ukuba uzihlolisise phambi kokufaka isicelo. Ukuba uziva uninzi olungenalo ulwazi olwaneleyo oluchaza imeko yakho yonyango, unokucela ukutyelela iofisi. Uya kufuna udokotela ukuba angeze ulwazi olufunekayo njengenxalenye yobhenketho ubuso nobuso kunokuba uphendule kwifowuni. Uvavanyo olusisiseko oluqhelekileyo ludla ngokufunekayo ukuqinisa inkxaso ye-SSDI.

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Gcwalisa isicelo sakho se-SSDI

Emva kokuba uqokelela ulwazi lwakho, unokufaka isicelo ngokusemthethweni ngeenzuzo ze-SSDI. Oku kuya kwenziwa ngeendlela ezintathu.

1. Ngobuso. Ukutyelela iofisi yakho yoKhuseleko lweNtlalo kwaye ugcwalise isicelo sokujongana nommeli woLuntu loKhuseleko.
2. Kumnxaba. Gcwalisa isicelo sakho kwifowuni ngo-1-800-772-1213. Abameli bezoKhuseleko beNtlalo bafumaneka ngoMsombuluko ukuya kuLwesihlanu 7 ukuya ku-7 ebusuku I-Eastern Standard Time ukukunceda.
3. I-intanethi. Izicelo zifumaneka kwiwebhusayithi yoKhuseleko loLuntu. Ungagcina isicelo sakho njengoko uhamba kwaye uyigcwalise ngokulula.

Injongo efanelekileyo: Inkqubo yesicelo ithatha ixesha, ubuncinane ukuya kwiiyure ezimbini kuxhomekeke kwinkimbinkimbi yecala lakho. Qiniseka ukuba ubeke eceleni ixesha elaneleyo lokugqiba isicelo sakho ngokufanelekileyo.

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Yenza isikhalazo ukuba i-SSDI Case ilahliwe

Ingathatha ulawulo loKhuselo loLuntu (i-SSA) kwiinyanga ezintathu ukuya ezintlanu ukuvuma okanye ukuphika isicelo sakho, mfutshane ukuba imeko yakho yonyango ibalwe kuluhlu lweMimiselo yeZibonelelo zeMfesane. Iimeko ezi kuloluhlu zikulindeleke ukuba zibe nexesha elincinci lokuphila kunye neemfuno zezempilo ezingaphezulu.

Ukuba isicelo sakho sinqatshelwe ngenxa naziphi na izizathu, ungakhetha ukubhenela isigqibo. Ngo-2016, abantu abangaphezu kwe-2.3 yezigidi bafaka isicelo se-SSDI, kodwa kuphela iipesenti ezingama-32 zamatyala avunyiwe ngaloo nyaka.

Kukho amanqanaba emabheno. Ukuba kukho nawaphi na amanqanaba akho ityala livunyiwe, inkqubo yebheno iyama khona.

1. Ukuqwalaselwa kwakhona. Kule meko, isicelo sakho siya kuhlaziywa okwesibini ngesethi entsha yabantu kwi-arhente karhulumente.
2. Ukuva kunye nejaji yomthetho wezolawulo. Ijaji elingabandakanyekanga kwiimeko zakho zokuphonononga kwimeko yoluhlolo liya kuhlola ityala lakho. Unokufaka amaNgqina kwintetho ukuba afake ubungqina egameni lakho. Iimvama zihlala zihlala kumntu kodwa nazo ziqhutyelwa kwifowuni ukuba kuyimfuneko.
3. Ukuphononongwa yiBhunga loKhenketho loLuntu. IBhunga eliBheno lenza isigqibo sokuba ingava okanye ityala lakho emva kokuphonononga iziphumo ezivela kwintetho yakho. Baya kuphinda bahlolisise ityala ngokwabo okanye babuyisele kwakhona kwi-intetho kunye nejaji yomthetho wesibini wezolawulo.
4. Uhlolo lwenkundla yaseburhulumenteni. Ikhefu lokugqibela lokufakela inkundla kunye nenkundla yesithili senkundla.

Injongo efanelekileyo: Ukuba ityala lakho liphikisiwe naliphi na izinga, unokufuna ukuqinisa ityala lakho. I-SSA ineemfuneko eziqinileyo, kwaye ngamaxesha amaninzi, amaxwebhu angonyango amaninzi ayadingeka ukubonisa ukukhubazeka kwakho. Unokufuna ukuqwalasela uviwo oluzimeleyo lwezokwelapha, oko kukuthi uvavanyo ngugqirha onamava kwenkqubo yokubhenela kwaye ngubani ongenza uvavanyo olusebenzayo olujongene neemfuno ze-SSA.

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Njani kunye nexesha lokuqalisa nini kwi-Medicare

Emva kokuba uvunyiwe kwi-SSDI, usendleleni yokufikelela kwi- Medicare . Ngethuba nje i-SSDI yakho ingasusiwe ngenxa yezizathu, uya kubhaliswa ngokuzenzekelayo kwi- Medicare Part A kunye neNgxenye B kwinyanga yakho yesi-25 yezibonelelo ze-SSDI ezilandelanayo. Ii- premiums zakho ziya kuthathwa ngokukhawuleza kwi-SSDI yokukhangela inzuzo.

Uya kufuneka ufake isicelo seSicwangciso seMedare ye-Medicare, oko kukuthi isicwangciso seziyobisi, ngokwakho.

Cinga ngenyameko ngaphambi kokuba wenze izigqibo zokunciphisa i-Medicare xa use-SSDI. Nangona ucinga ukuba enye iplani yezempilo iza kukuhlawula ngaphantsi kwee-deductibles zonyaka okanye iiprayimari zenyanga, oku akuze kusebenze ngenxa yakho:

1. Ukuba wenqaba i-Medicare Part A, uya kulahla zonke iintlawulo zeNtlalo , kuquka i-SSDI yakho.
2. Ukuba ugcina i-Medicare kwiCandelo A kodwa uyanciphisa i-Medicare Part B, awufaneleki kwezinye i-inshorensi yezempilo, oko kukuthi kwi-Inshurensi ye-Intshurensi yeMpilo okanye inkampani yomshuwalense yabucala. Kuchasene nomthetho kulezi zicwangciso zokuthengisa okanye ukuthengisa kuma-Beneficiary-covered beneficiaries.

Iphusheni elicebisayo: Akunakuphela nje ukulahlekelwa zibonelelo zakho zokukhubazeka kwe-SSDI kunye nengeniso yexesha elizayo xa unqatshela i-Medicare, kodwa uya kulahleka ukufikelela ekunakekeleni kwezempilo. Iimali zenkxaso-mali zexesha elide zininzi.

> Imithombo:

> Inkcazo yoNyaka yeTatisti kwiNkqubo yoNcedo loKhuseleko lweNtlalo ka-2011, iziPhumo zeziFundo zeZibonelelo zokukhubazeka. Iwebhusayithi yoLawulo loKhuseleko loLuntu. http://www.ssa.gov/policy/docs/statcomps/di_asr/2011/sect04.html.

> Ulungelelaniso lwezibonelelo: Iinkonzo zokuKhuselwa koLuntu. Iwebhusayithi yoLawulo loKhuseleko loLuntu. https://www.ssa.gov/planners/credits.html.

> IziNcedisi zabaSebenzi abakhubazekileyo ngabasebenzi ngeKhalenda Yonyaka, ikota, kunye neNyanga. Iwebhusayithi yoLawulo loKhuseleko loLuntu. https://www.ssa.gov/oact/STATS/dibStat.html.

> I- SEAK National Directory yoVavanyo beZonyango abazimeleyo . https://www.imenet.com/content/imedir.pdf.

> Umsebenzi oqaqambileyo. Iwebhusayithi yoLawulo loKhuseleko loLuntu. https://www.ssa.gov/oact/cola/sga.html

ILizwi

Akukho khubazelelo lwezokwelapha olukufanelekela kwiNtshurensi yokuKhubazeka koKhuseleko loLuntu (SSDI), kodwa i-SSDI ikufanelekela kwi-Medicare. Ukufaka isicelo se-SSDI kungadla ixesha, kodwa kulungele umzamo ukuba unesidingo. Funda indlela yokuhamba kwinkqubo ngesinyathelo kwaye ugweme nayiphi na indlela engafanelekanga ngayo.