Imibuzo engama-61 malunga neeNkonzo zokuKhubazeka koLuntu
IiNkonzo Zokukhubazeka Zonke i-Allsup Uphononongo uDavid Bueltemann Uphendula Imibuzo Yakho
Ngokutsho kukaDavid Bueltemann, umphathi wabameli bamabango aphezulu, i-CEO uJim Allsup wasungula i-Allsup ngo-1984 emva kokusebenza malunga neminyaka emihlanu njenge-Social Security Administration (SSA). Ngokutsho kweBueltemann, i-Allsup incede abantu abangaphezu kwe-150,000 bathola inzuzo yabo yokukhubazeka.
"Abantu baninzi baqaphela ukuba inkonzo efana neyethu ikhona. Inkqubo enzima kwaye abantu banokuzuza ngokuba neengcali abanokuzithemba ukususela ngosuku olulodwa, nangona abantu abaninzi bajonga ukuncediswa kokumelwa emva kokuba benqatshelwe Inzuzo Yokukhubazeka Kwezenhlalakahle (SSDI) , ngokunjalo, "kusho uButememann.
Umbuzo # 1: Uwuphi umehluko phakathi kwe-SSDI ne-SSI?
UDavid Bueltemann: Intsholongwane yoKhuseleko loKhuseleko loLuntu (SSDI) yinkqubo esekelwe kwiminikelo eyenziwa ngabasebenzi abasebenza kunye nokuhlawula kwiNtlalo yoKhuseleko. Umthetho we-Federal Insurance Contributions Act (FICA) irhafu iyanqandwa yiNtlalo yoKhuseleko kwimali ehlawulwa ngamnye. Ukuba umntu ufumana iikhredithi zokwenza umsebenzi ngokwaneleyo, unesiqinisekiso sokukhubazeka.
Umntu unokufumana ama-credits amane ngonyaka. Inani leempawu zokusebenza ezifunekayo kwizibonelelo zokukhubazeka zixhomekeke kwiminyaka yomntu xa ekhubazeka. Isixa somhlomulo womntu kuxhomekeke kwindleko ayenayo kunye nendlela ehlawulwa ngayo kwiNtlalo yoKhuselo.
Ekuqaleni kuka-2015, iNkonzo yoKhuseleko lweNtlalo ikhokhele inzuzo yokukhubazeka ngenyanga ngenyanga eyi-1,165.
Imali yeNkxaso yoKhuseleko (Supplemental Income Income) (SSI) yinkqubo eyahlukileyo elawulwa yiNtlalo yoKhuseleko kwaye ixhaswa ngemali engenayo yerhafu. Ihlawula iindleko zenyanga kwindoda ekhulile, imfama kunye nabantu abakhubazekileyo abanemali ephantsi kunye nezinto eziphathekayo.
Umzekelo, umntu akanako ukuqokelela iintlawulo ze-SSI ukuba ii-asethi zeempahla (ezingabandakanyi ikhaya elilodwa kunye nezimoto) zidlule i-$ 2000 kumntu oyedwa okanye i-$ 3000 kwisiqabane.
Umbuzo wesi-2: Ndingayifumana njani i-SSDI?
UDavid Bueltemann: Kufuneka ube ngumshuwalense. Oko kuthetha ukuba umele usebenze kwaye uhlawule kwinkqubo (irhafu yentlawulo efunekayo) kwiminyaka emihlanu edlulileyo. Ukongezelela, umntu onokukhubazeka ngaphambi kweminyaka engama-31 uza kufumana umsebenzi ongaphantsi kweminyaka emi-5. Umzekelo, umntu okhubazekileyo kwiminyaka engama-24 udinga kuphela iikhredithi zomsebenzi kuphela; ukuba ukhubazekile kwiminyaka engama-29 ubudala, udinga iimpawu zokusebenzela eziyi-16. Ufumana inkokhelo yomsebenzi omnye kwikota nganye yonyaka oqeshwe kuyo. Kufuneka udibane nencazelo yokukhubazeka kweNtlalo.
Umbuzo # 3: Iyintoni inkcazo yokukhubazeka kweNtlalo?
UDavid Bueltemann: I- SSDI ne-SSI yabelana ngesichaso esifanayo sokukhubazeka. Ukungakwazi ukubandakanya nayiphi na imisebenzi enomvuzo ngenxa yonyango okanye ukukhubazeka okungokwenyama okanye ukukhubazeka kwengqondo okunokulindeleke ukuba kubangele ukufa okanye okuye kwadlulayo okanye kulindeleke ukuba kuphele ixesha elide leenyanga ezili-12 okanye ngaphezulu . Sisebenza kwiikhokelo zoKhuseleko loLuntu ukuqinisekisa ukuba zonke iinkcukacha eziyimfuneko zihlanganiselwe kwaye zenziwe ngendlela efanelekileyo kakhulu yoLawulo loKhuseleko loLuntu.
Umbuzo # 4: Ngaba kunzima ukufumana i-SSDI inzuzo?
UDavid Bueltemann: Ewe. I-SSA iphika malunga nama-60 ekhulwini abantu abafake izicelo zokuqala. Yingakho sineengcali ezingaphezulu kwezi-600 zokukhubazeka kwabasebenzi, kubandakanywa nabasebenzi bexesha elide labasebenzi boKhuseleko loLuntu. Bayazi le nkqubo, bayayazi inkqubo, kwaye konke okukwenzayo. Siye sakwazi ukufikelela kwisilinganiso se-100 sepesenti sokubonga kunye nabamangali bethu abasala kwinkqubo yesigqibo sokugqibela. I-Allsup yenza inkqubo enzima kakhulu yomsebenzisi.
Umbuzo # 5: Ngaba ndifuna ummeli?
UDavid Bueltemann: Cha . Nangona kunjalo, abameli baka-Allsup baya kuphucula kakhulu amathuba okufumana izibonelelo zokukhubazeka.
Njengeqela, abameli bethu abakhulu baye baqokelela iminyaka engaphezu kwama-550 kwiimeko zokukhubazeka.
Umbuzo # 6: Ngaba ndingayibhena isibheno ukuba iNkonzo yoKhuseleko inqabe ibango lam?
UDavid Bueltemann: Umntu ophikisiwe unentsuku ezingama-60 zokubhenela, okubizwa ngokuba yi-reconsideration. Ukuba umntu unqatshelwe kwakhona ngokuqwalasela kwakhona, unentsuku ezingama-60 zokubhenela aze abuze inkundla phambi kwejaji yomthetho wezolawulo. Umntu onqatshelwe yijaji yomthetho wezolawulo unentsuku ezingama-60 zokubhenela kwiBhunga lokuBhenela. Ukuba iphikisiwe yiBhunga leBhunga, umntu unokufaka ifayile ngaphandle koLawulo loKhuseleko loLuntu kwiNkundla yeSithili seSithili. Iingcali zethu zithatha ababango bethu kumanqanaba afanelekileyo.
Yiya kwiNgxenye 2 --- 61 Imibuzo Ngeenkonzo Zokukhubazeka --->
Umbuzo # 7: Kuthatha ixesha elingakanani ukufumana isigqibo?
UDavid Bueltemann: Ukusetyenziswa kwezihlandlo zezicelo zokukhubazeka ziyahluka ukusuka kummandla ukuya kwilizwe. Ngokuqhelekileyo, isicelo sokuqala siya kuthatha malunga neenyanga ezine ukuya ezintandathu ngaphambi kwesigqibo. Ukuqwalaselwa kwakhona (isibheno sokuqala) kuthatha malunga neenyanga ezintathu ukuya ezintlanu ngaphezulu. Ukuva (isibheno sesibini) kuya kuthatha enye iinyanga ezili-9 ukuya kwezi-15 okanye ngaphezulu.
Umbuzo # 8: Ndingafumana phi na?
UDavid Bueltemann: Yinkqubo enzima kakhulu echanekileyo malunga nenani eliye lazuza. Umvuzo wokukhubazeka wenyanga ngenyanga ngo-2015 wawuyi-1,165 yeenyanga ngenyanga. Ngethuba lokuvavanya kwethu okokuqala siya kuba nako ukuqikelela ukuba yintoni inzuzo yakho yenyanga.
Umbuzo # 9: Ngaba Uncedo loLuntu lweNtlalo luya kuthatha inzuzo yam SSDI?
UDavid Bueltemann: Ewe. Akukwenzeka rhoqo, kodwa unokulahlekelwa izibonelelo zakho zokukhubazeka xa imeko yakho iphucula ukuya kwinqanaba lokuba awukwazi ukuhlangabezana nencazelo ye-SSA yokukhubazeka. I-SSA kufuneka ibonise ukuba kukho ukuphuculwa kwezonyango ezinxulumene nokukwazi kwakho ukusebenza ngaphambi kokuba ziphelise ii-SSDI zakho inzuzo.
Umbuzo # 10: Ngaba ndinokufumana uncedo xa ndinezingane?
UDavid Bueltemann: Abantwana abaneminyaka engama-18 okanye abangazange baphumelele esikolweni esiphakeme banelungelo lokufumana inzuzo xa umzali eswelekile, umhlala umhlala phantsi okanye ukhubazekile. Ngokuqhelekileyo, abantwana abaxhomekeke kumzali okhubazekileyo baya kufumana malunga ne-50% yomvuzo wenyanga okhubazekile.
I-50% yahlula ngokulinganayo phakathi kwabo bonke abaxhomekeke kuye.
Inqaku lomhleli: Ukuba unabantwana abaningana, inzuzo ye-50% iya kuqhubeka ukwahlukana (ngokulinganayo kunye ngokupheleleyo) phakathi kwabantwana bakho abaseleyo kude kube ngumntu ngamnye oxhomekeke kwi-18 okanye abaphumelele esikolweni esiphakeme.
Umbuzo # 11: Ngaba umntu angasebenza kwaye afumane imali ethile xa efumana i-SSDI?
UDavid Bueltemann: Kukho iimpendulo ezimbini kulo mbuzo obalulekileyo ukubaluleka.
Eyokuqala kukuba ulawulo loKhuseleko loLuntu lunenkqubo eyenzelwe ukuvumela ukuba uzame uphinde ungene emsebenzini ngaphandle kokufaka i-SSDI inzuzo. Eli xesha lexesha lexesha lexesha elilingo (TWP) linaloo mithintelo. Kukhawulezileyo kwiinyanga ezili-9 zomsebenzi wokuvavanya ngaphakathi kwinyanga engama-60 kodwa kulezo zinyanga zomsebenzi akukho mingeni malunga nokuba ungayifumana phi kwaye uqokelele i-SSDI. Emva kokuba ushaya inyanga ye-10, kunjalo, ii-SSDI zakho ziya kulungiswa ukuphela malunga neenyanga ezintathu emva koko.
Okwesibini, impendulo engundoqo kukuba unokufumana i-$ 810 ngenyanga ngenyanga ka-2016 ngaphandle kokulahlekelwa i-SSDI yakho okanye ukuba uyibale malunga neenyanga eziyi-9 zomsebenzi wesilingo ovumelekileyo. Ukongezelela, ixesha lomsebenzi wesilingo aliqinisekanga ukuba ubuyela emsebenzini ngaphambi kokuba ibango lakho lokukhubazeka linikezelwe. Kwakhona kubalulekile ukuba uqaphele ukuba ngexesha lovavanyo lwe-SSA liyakwazi ukuphonononga kwakhona ukuba usenokuhlangabezana nemigangatho yokukhubazeka esekelwe emsebenzini owenzayo, kwaye oku kungakhokelela ekulahlekelweni kweenzuzo zakho ze-SSDI. Ukuba emva kwe-TWP yakho usakhubazekile, unako ukufumana ixesha elide lokufaneleka (i-EPE), iinyanga ezingama-36 ukuqala ngenyanga ye-10 ye-TWP apho inzuzo inokuhlawulwa nayiphi na inyanga apho i-earnings drop ngaphantsi kwexabiso elincinci leNzuzo (SGA).
Inani le-SGA ngo-2016 li-$ 1,130 ngenyanga ngenyanga ka-2016 (okanye i-$ 1,820 ukuba uyimpumputhe). Ukuba ukuphuculwa kwezokwelapha kwenzeka i-TWP ingaba ngaphantsi kweenyanga ezili-9.
Umbuzo # 12: Ngaba zikhona ezinye iinzuzo ekufumaneni i-SSDI?
UDavid Bueltemann: Ewe, kukho iinzuzo ezininzi eziza kunye ne-SSDI ngaphezu kwenyanga engenayo yenyanga. Umzekelo, kungakhathaliseki ukuba ubudala bakho, iinyanga ezingama-24 emva komhla wokufaneleka kwimihlomulo ye-SSDI, ufanelekile kwi-Medicare, uqulethe iCandelo A (izibonelelo zesebhedlele) kunye neCandelo B (iintlawulo zonyango). Iiplani ezahlukeneyo zeMicrosoft Benefits nazo ziyafumaneka.
Umbuzo # 13: Ukuba ingeniso yomntu ingaphezulu kwexabiso elincinci lemali engenayo kunye ne-SSDI yabo engenayo, ngaba baya kuqhubeka befumana iiRedare ngeenzuzo xa benokujongwa njengabantu abakhubazekileyo?
UDavid Bueltemann: Uninzi lwabantu abakhubazekileyo abasebenzayo baya kuqhubeka befumana ubuncinane iinyanga ezili-93 ezilandelelweyo zesibhedlele kunye ne-inshurensi yonyango eyongezelelweyo phantsi kwe-Medicare, emva kwexesha le-9 yesilingo sexesha lokuhlola.
Awuhlawuli i-premium kwi-inshurensi yesibhedlele. Nangona iingeniso zemali ziphela ngenxa yomsebenzi, unesiqiniseko se-inshurensi yezempilo.
Umbuzo # 14: Kwenzeka ntoni emva kweenyanga ezingama-93? Ngaba umntu angathenga kwi-Medicare?
UDavid Bueltemann: Emva kweenyanga ezingama-93 ze-Medicare-free-free coverage iphelile ngenxa yomsebenzi, abanye abantu ababuyele emsebenzini bangathengisa ukuhanjiswa kweMediareri eqhubekayo, nje kuphela xa behlala bekhubazekile. (Oku kusebenza kuphela kulabo bantu abakhubazeke ngokwasemzimbeni kodwa abaqhubeka besebenza naphezu kokukhubazeka kwabo.) Abanye abantu abaneemali eziphantsi kunye nezibonelelo ezincinci banakho ukufumana uncedo loburhulumente ngeendleko.
Umbuzo # 15: Ingaba iminyaka yenza umehluko xa usebenzisa?
UDavid Bueltemann: Kungenzeka. Ukuba imeko yakho ayihambelani nesethi echaziweyo yeemfuno zezokwelapha , ubudala bomntu bunokubangela ukuba kwenziwe isigqibo sokukhubazeka.
Umbuzo # 16: Nabantu abadala, i-SSA ingaba yinto engqongqo ngakumbi kunomntu omncinci?
UDavid Bueltemann: Ewe. Umntu oneminyaka engaphantsi kwe-50 unokuba ngumngeni onzima kunokuba uthathwa njengakhubazekile yiSSA.
Umbuzo # 17: Ndifanele nini ukufaka izicelo ze-SSDI?
UDavid Bueltemann Unokufaka isicelo ngokukhawuleza njengoko kuqinisekiswe ukuba unokukhubazeka okuza kukugcina usebenze iinyanga ezili-12 okanye ngaphezulu, okanye isigxina. Iphutha eliqhelekileyo abantu elenzayo lilinde ixesha elide ukufaka isicelo.
Umbuzo # 18: Ingaba i-SSA iyakubheka i-Residual Functional Capacity (RFC) xa isenza ukukhubazeka?
UDavid Bueltemann: Ewe. Isetyenziswe kwisinyathelo sesi-5 senkqubo yokuvavanya.
Yiya kwiNgxenye 3 --- 61 Imibuzo Ngeenkonzo Zokukhubazeka --->
Umbuzo # 19: Ngaba i-SSD ima xa ndiba ngu-62 okanye ngaba iya kuqhubeka ndide ndibe ngumhlala-phantsi ohlala phantsi kweminyaka engama-66 ubudala?
UDavid Bueltemann: Uya kufumana inzuzo epheleleyo ye-SSDI apho unelungelo loko nje uqhubeka ukhubazekile. Ekufikeleleni kwakho iminyaka yobudala (65-67), izibonelelo zakho ziza kuguqulwa kwiintlawulo zokukhubazeka kwiintlawulo zomhlalaphantsi.
Umbuzo # 20: Ucebisa ntoni ukuba umntu unako ukwenza umsebenzi kodwa kungekhona emsebenzini womsebenzi kwaye akafumani umsebenzi ongewona umzimba?
UDavid Bueltemann: Akunandaba nakwi- SSA ukuba akukho mntu uqeshileyo, kubaluleke kuphela kubo ukuba awukhubazekanga. Bagweba ukuba ngaba ukhubazekile, kungekhona ukuba umntu uza kukuqesha.
Umbuzo # 21: Ndiyazi ukuba i-SSA ine-critera eyahlukileyo yokukhubazeka okuhlukileyo. Yintoni abayifunayo ngokukodwa kwi- rheumatoid arthritis (RA)?
UDavid Bueltemann: Kunzima. Nanku isiqhagamshelo kwiwebsite yethu kunye nalo lonke ulwazi.
Umbuzo # 22: Oogqirha bam bathi ndikhubazekile. Andizange ndisebenze kwiminyaka engaphezu kwe-10. Ingxelo yam ithi andinayo iikredithi ezanele ngexesha elifanelekileyo. Nawaphi na amacebiso, okanye ngaba ndimele ndinike?
UDavid Bueltemann Hlola ngoKhuselo loLuntu ukuze ubone ukuba ufanelekile kwi-SSI, esekelwe kwizibonelelo zakho zemali. Unokuba nelungelo lokufumana umhlala-phantsi oneminyaka engama-62 ubudala, eneemfuno ezahlukileyo kwiindawo zokuhlala.
Umbuzo wesi-23: Ngaba iinjongo ezifanayo ezisetyenziselwa ukunika i-SSDI kwizigulane ze-rheumatoid arthritis (RA) ezisetyenziselwa ukuba zichonge ukuba zihlala zikhubazekile okanye zibuyela emsebenzini?
UDavid Bueltemann: I-SSA isebenzisa umgangatho ofanayo wezokwelapha owawusetyenziselwa ukuseka ukukhubazeka kwakho kwasekuqaleni. I-SSA kufuneka ibonise ukuba imeko yakho yezokwelapha iye yaphucula kwaye ukuba olu phuculo luhlobene nokukwazi kwakho ukusebenza.
Umbuzo # 24: Ukongeza kwi-RA, ngaba i-SSDI iphinda iqwalasele ezinye iingxaki zempilo ezinjengeempembelelo zonyango , iingxaki zesisu, ukuxinezeleka kunye nokuxhalaba?
UDavid Bueltemann: Ewe.
Umbuzo # 25: Ngaba amandla okusebenza kuphela yinto ejongene ne-SSA? Ngoku ndijongene nemeko apho isebenza okanye yonke into ebomini bam. Ukuba ndiyasebenza, andiyikupheka, ukucoceka, njl.
UDavid Bueltemann: Ukuba iSSA inquma ukuba unamandla okusebenza, abayi kusebenzisa umda kwimisebenzi yakho yemihla ngemihla ukutshintsha eso sigqibo. Ngamanye amazwi, baya kukhangela kuphela ukuba unokusebenza loo mini i-8.
Umbuzo # 26: Abantu abanenkinga yokusebenza ngamanye amaxesha bayesaba ukufaka isicelo se-SSDI ngenxa yamabali amaxhala ngabantu abachasene kwaye akukho nakanjani isiqinisekiso. Abantu bazi njani ukuba bakulungele ukusebenzisa kunye nethuba elihle lomphumo ophumelelayo?
UDavid Bueltemann: Impendulo enyanisekileyo kukusebenza njengoko unako . Emva koko sebenzisa ngokukhawuleza njengoko unako xa unyanzelekile ukuba uyeke ukusebenza ukuze unciphise ixesha phakathi kokuyeka ukusebenza kwaye uqale ukufumana i-SSDI inzuzo.
Umbuzo # 27: Ngaba unokuchaza ukuba i-Allsup ingamnceda njani umntu ukuba afumane impumelelo?
UDavid Bueltemann: Oko sikwenzayo kwenza inkqubo enzima yokwenza isicelo ilula ukuhamba.
Abameli bethu banamakhulu eminyaka amava loKhuseleko loLuntu. Siza kukuhamba ngeenkqubo. Uhlala ekhaya kwaye senza umsebenzi.
Umbuzo # 28: Ingaba ndiyiqonda kakuhle ukuba sele ufake isicelo se-SSDI ukuba ungayifumana okokuqala kwiinyanga ezi-4 ukuya kwezi-6?
UDavid Bueltemann: Ukuba unikwa izibonelelo ezikhubazekileyo kwisicelo sokuqala, ngokuqhelekileyo kuthatha iinyanga ezine ukuya kwezi-6.
Umbuzo # 29: Kwimeko yomntu osebenza ixesha elipheleleyo i-SSA iya kunika ubungakanani obukhulu xa umntu ezama ukuya kwixesha lokuqala okanye ngaba akunjalo?
UDavid Bueltemann: Ukuba umntu usebenza kwinqanaba lemali engenayo ye-1,130 ngenyanga ngenyanga ka-2016 (okanye i-$ 1,820 ukuba uyimpumputhe) owona msebenzi ophezulu ophezulu, iSSA iya kukhanyela ibango lokukhubazeka ngaphandle kokuqwalasela nayiphi na imeko yonyango.
Umbuzo # 30: Ngaba unobinshuwarensi yokukhubazeka kwangexesha elide uncedisa ukuvunyelwa kwi-SSDI?
UDavid Bueltemann: Akunjalo ngokuzenzekelayo. Inokuqinisekisa ukuba unokukhubazeka kodwa iinkcazo zokhubazeko lwexesha elide kunye nokukhubazeka kweNtlalo zikhubazekile.
Umbuzo # 31: Ukuba isicelo se-SSDI sibonisa ukuba usebenza ngeveki ezingama-40, kodwa uthi unobunzima neminye imisebenzi yokuphila kwansuku zonke, usabonwa nje unokukwazi ukusebenza, ngaba ndilungile?
UDavid Bueltemann: Uchanekile .
Umbuzo # 32: Ziziphi iimali zakho zokubonisana? Ngaba i-Allsup isebenza kuwo onke ama-50?
UDavid Bueltemann: Sinikeza ukuhlaziywa kwamahhala ukuqinisekisa ukuba ngaba unokufumana i-SSDI. Sinokunceda abantu abaye balelwa inzuzo okanye bajongene nokuva. Ukuba sicinga ukuba unakho ukufaneleka, kwaye unikezelwa izibonelelo, sihlawula ipesenti yexesha elilodwa leenzuzo zakho zokubuya. I-SSA ibeka i-cap kwi $ 6,0000, okanye i-25%, nayiphi na into engaphantsi. Asinakuhlawulisa iziganeko ezinje, njengamarekhodi ezonyango. Sisebenza kuwo onke ama-50.
Yiya kwiNgxenye 4 --- 61 Imibuzo Ngeenkonzo Zokukhubazeka --->
Umbuzo # 33: Ngaba i-Allsup ineeofisi zendawo okanye ngaba siya kusebenza nomntu kude?
UDavid Bueltemann: Zonke izibango kumanqanaba amabini okuqala enkqubo zilandelwa kwikomkhulu lethu likazwelonke ngaseSt. Louis. Senza wonke umsebenzi kwifowuni nakwi-imeyile. Ukuba ityala lihamba phambi kwejaji yomthetho wezokuphatha ngoko ummeli wethu uya kubakho kwi-hearing kunye nommangali.
Umbuzo # 34: Ukuba ufuna isicelo sokuqala, akukho zinzuzo zokubuyisela. Kunene?
UDavid Bueltemann: Kuxhomekeke ekubeni ukhubaze ukukhubazeka kwakho kwaye ninikezelwa.
Umbuzo # 35: Ingaba imithi okanye ezinye i-IRWE (iindleko zomsebenzi ezinxulumene nokukhubazeka) zibalelwa kumlinganiselo we-$ 1,130 we-SGA? Ukuba wenza i-$ 1,200 kodwa udinga i-$ 300 kwimishanguzo yokusebenza, ngaba babala i-$ 900 kuphela?
UDavid Bueltemann: I- IRWE ingadluliselwa kwi-1,130 yeeRandi, kodwa kwakhona, inokuba nzima. Uninzi lwamachiza aluqwalaselwe njenge-IRWEs, kodwa ezinye zikhona. Esi sinqumo esinzima.
Umbuzo # 36: Ndingathanda ukwazi ukuba indoda iya kubetha ngaphezu kweyindoda, yobudala obufanayo?
UDavid Bueltemann: Kusekelwe kulokho uhlawule kuyo, kungekhona ubulili bakho.
Umbuzo # 37: Isizathu sokuba ndibuze ngumntu oneminyaka engama-30 ubudala kunye nomlando ongaphantsi komsebenzi ubonisa ngaphezu kwam.
UDavid Bueltemann: Akusiyo imbali yomsebenzi, isekelwe kwizinto abaye bahlawula kuzo.
Kubaluleke kakhulu ukubala.
Umbuzo # 38: Ngaba unayo nayiphi na into ongayifaka kule ndawo?
UDavid Bueltemann: Ewe. Sisoloko sifisa ukubonisa ukuba i-SSDI ayikho inxaxheba kwinkqubo yenhlalakahle. Kuphela yenkqubo ye-inshorensi egunyazisiweyo kaRhulumente. Uhlawule iiprayamu ngeentlawulo zakho zeFICA xa usebenza.
Umbuzo # 39: Xa umntu akakwazi ukuqhubeka esebenza kwaye ahlangabezane nemigqaliselo ye-SSDI (ebanceda ukuba banqume ukuba ngaba bangahlangabezana nemigqaliselo) kukho ilungelo ukusuka kumntu ohlawula kule nkqubo, echanekileyo?
UDavid Bueltemann: Ewe. Ukuba banembali yomsebenzi (ihlawulwe irhafu ye-FICA) kwaye abanako ukusebenza ngenxa yesifo okanye ukukhubazeka, bangafaka isicelo se-SSDI.
Umbuzo # 40: Ngaba uthatha amatyala aphikisiwe? Ukuba kunjalo, inqubo yesibheno ithatha ixesha elingakanani?
UDavid Bueltemann: Ewe. Siyamkela amabango kunoma yiphina inqubo phambi kokuba ijaji yomthetho wezolawulo lenze isigqibo sakhe. Izihlandlo zokucwangciswa kwezicelo zokukhubazeka ziyahluka ukusuka kummandla ukuya kwimeko. Impendulo efanelekileyo kukuba isicelo sokuqala siya kuthatha malunga neenyanga ezi-4 ukuya kwezi-6 phambi kwesigqibo. Ukuqwalaselwa (isibheno sokuqala) kuthatha malunga neenyanga ezintathu ukuya kwezi-5 ngaphezulu. Ukuva (isibheno sesibini) kuya kuthatha iinyanga ezili-9 ukuya kwezi-15 okanye ngaphezulu.
Umbuzo # 41: Ubona kaninzi kangakanani ukungavumi ukuvunywa kweso lesibini?
UDavid Bueltemann: I-14% kuphela yokuphononongwa kwakhona ivunyiwe, kodwa izinga lokuvunywa liphucula kakhulu kwi-63% kwinqanaba lesithathu (ijaji yomthetho wezolawulo) kwinkqubo.
Umbuzo # 42: Unayo i-statistic yimiba emingaki yokuqala yokulingwa ephikisiwe ngu-SSDI? Ngaba kuyinto evamile okanye engaqhelekanga ukuba iphikiswe kwimizamo yokuqala?
UDavid Bueltemann: Ukhuseleko lweNtlalo luphika malunga ne-2/3, okanye i-64%, kuzo zonke izicelo zokuqala.
Umbuzo # 43: Mangaphi amaninzi okuqala awenzayo ukuya kwinqanaba lesithathu? Ngamanye amazwi, bangaphi abantu abayekayo?
UDavid Bueltemann: Asinazo iinombolo, kodwa zininzi kakhulu. Amava ethu angama-25 anamava asitsho ukuba kubaluleke kakhulu ukuhlala kwinkqubo ngokukhawuleza.
Umbuzo # 44: Kutheni ukuba iminyaka yobudala, imfundo kunye namava omsebenzi maziqwalaselwe ukuba umntu unokufumana izibonelelo? Oku bekukhankanyiwe kum xa ndifuna ummeli wokukhubazeka emva kokuphika kwesibini.
UDavid Bueltemann: Ezi zinto ziyingxenye yemigaqo ye-SSA. Ukuba imeko yakho yezobugqirha ayihlangabezanisi uludwe oluthile lwezokwelapha lwe-SSA okanye ukuba i-SSA inquma ukuba awukwazi ukwenza umsebenzi wakho odluleyo, ngoko ubudala, imfundo kunye namava omsebenzi zizinto kule nqanaba lokugqibela kwinkqubo yokuvavanya.
Umbuzo # 45: Kutheni abantu abaninzi banqatshelwe kuqala ukuba bajikeleze kodwa bavunywa kamva?
UDavid Bueltemann: Kukho izizathu ezininzi kodwa isizathu esiyinqobo kukuba inkqubo yokuvavanya kwinqanaba lesithathu lihluke kumanqanaba amabini okuqala.
Umbuzo # 46: ngayiphi indlela?
UDavid Bueltemann: Abagwebi kufuneka balinganise ubungqina baze baphendule kwimigangatho ephakamileyo yeenkundla.
Yiya kwiNgxenye 5 --- 61 Imibuzo Ngeenkonzo Zokukhubazeka --->
Umbuzo # 47: Kubaluleke kangakanani ugqirha wesigulane kwinkqubo? Ngaba zibalulekile ekunikezeni iileta njl, okanye ngaba iirekhodi zonyango zifikeleleke nje?
UDavid Bueltemann: Oogqirha (i- rheumatologist for patients 's arthritis patients) zibalulekile kuwo onke amanqanaba enkqubo kwaye izimvo zabo zibaluleke kakhulu kwiinqanaba eziphakamileyo zezibheno.
Umbuzo # 48: Ingaba umntwana okhubazekileyo (ngoku ngoku 13) unokufanelekela nayiphi na inzuzo. Umntwana unesifo sokukhubazeka kwengqondo kunye noyise nguye kuphela osebenzayo kwaye bathi uyakwenza kakhulu kodwa kodwa iindleko zonyango zibuhlungu?
UDavid Bueltemann: Akayi kulungelelwa kwinkqubo ye-SSDI.
Umbuzo # 49: kuba ungumzali omele ukuba afaneleke, uchane?
UDavid Bueltemann: Uchanekile .
Umbuzo # 50: Ingaba umntwana uyafaneleka ukufumana iSSI?
UDavid Bueltemann: Ingeniso kayise iya kuba yinto. I-SSI ithetha isiseko.
Umbuzo # 51: Ukuba umntu akanalo iirekhodi zezocwangco ezibhalwe kakuhle, ngaba unayo ixesha elibi? Yintoni abanokuyenza ukuphucula amathuba abo?
UDavid Bueltemann: Iimviwo zonyango zibaluleke kakhulu kule nkqubo. I-SSA inokugqiba ukuthumela ummangali kwiimviwo zokubonisana ukuze uncede ukuqokelela ulwazi ngesigqibo sabo.
Umbuzo # 52: Oogqirha babo? Kugqirha okhethwe ngu-SSA ndithetha.
UDavid Bueltemann: Ngokuqhelekileyo.
Umbuzo # 53: Ingaba ngabagqirha be-SSA ngabachwepheshe bebango abathile ingxaki? Ngaba umntu onokuthi uR RA ungathunyelwa kwibhodi ye-rheumatologist ?
UDavid Bueltemann: Akunjalo.
Umbuzo # 54: Bonke ubungqina obubonakalayo buqwalaselwa, lungile? X-ray , iziphumo zebhu , ukuhlinzwa ?
UDavid Bueltemann: Uchanekile .
Bonke ubungqina bonyango baqwalaselwa.
Umbuzo # 55: Ngaba umntu kufuneka uyeke ukusebenza ukuze afake isicelo?
UDavid Bueltemann: Ewe.
Umbuzo # 56: Ingaba iingxelo ezivela kubaqeshi bakho zinokunceda (okt iingxaki ezibhalwe phantsi ekusebenzeni umsebenzi wakho)?
UDavid Bueltemann: Ewe.
Umbuzo # 57: Iyiphi izinga le-Allsup impumelelo kwizicelo zokuqala?
UDavid Bueltemann: Inqanaba lokuphumelela lika-Allsup lilinganiselwa kuma-55% kwinqanaba lokuqala, xa kuthelekiswa nomyinge we-35%.
Sifuna ukugxininisa ukubaluleka kokuhlala kwinkqubo kwaye sisebenzise zonke izibheno.
Umbuzo # 58: Kubalulekile ukuba ungagqitywa kukukhungatheka ngoko?
UDavid Bueltemann: Ngokuqinisekileyo!
Umbuzo # 59: Ngaba zikhona na izinto ezibhetele okanye ezimbi xa zifaka okanye zikhangayo? Ngaba amanye amazwe athatha ixesha elithengisayo lokuthatha isigqibo?
UDavid Bueltemann: Ewe. Amanani amaxabiso kunye namaxesha okucubungula ahluka kakhulu kulo lonke ilizwe.
Umbuzo # 60: Yintoni umntu angayilindela xa ehamba phambi kwejaji?
UCarol Ulungiso: Eli nqaku liya kukuxelela ukuba ulindele ntoni kwindlebe kunye nokulungiselela. Bona Ukulungiselela Usuku Lakho eNkundleni.
Umbuzo # 61: Ndingayifumana phi ulwazi oluthe xaxa malunga neNkxaso-ntle yoKhuseleko lweNtlalo (SSDI)?
UDavid Bueltemann: Sinika iwebhusayithi ekhethekileyo, AllsupPlace.com, ngolwazi olungakumbi malunga ne-SSDI kwiindwendwe kunye nabathengi be-Allsup. Ndiyabulela ngokusinika ithuba lokuthetha kunye nokuphendula imibuzo emnandi kakhulu. Nabani na ofuna ulwazi oluthe xaxa angabiza (800)279-4357 okanye utyelele i-www.allsup.com.
Umthombo:
Ingxelo yengxoxo (ihlelwe) - Imkela uColomon Ubulungisa noDavid Bueltemann evela ku-Allsup Inc. Kuhlaziywe ngo-02/03/16.