Ulawulo loLuntu loLawulo loKhuseleko loLuntu lusekela iinkqubo ezimbini ezibalulekileyo ezibonelela ngoncedo lwabasebenzi abakhubazekileyo ngemali: iNkqubo ye- Inthanethi yokhuseleko loKhuseleko loKhuseleko lweNtlalo (SSDI) kunye neNkqubo yeNkxaso yoKhuseleko (Supplemental Security Income Programme).
Kuyakwazi ukufumana izibonelelo phantsi komnye okanye omnye, okanye zombini kwezi nkqubo. Nangona kunjalo, iimfuneko zokufaneleka kwiSSI kunye ne-SSDI zihluke kakhulu.
Ngoko ke, ukuba ukhubazekile ( ngeentloko ezinzima zesifo okanye ezinye izinto), kuya kukunceda ukuba uqonde izinto ezisiseko zeprogram nganye, kwaye oko kuyimfuneko ukuyisebenzisa. Nantsi i-primer kwi-SSI ne-SSDI ukunceda ukuba wenze isigqibo sokuba ngubani onokulungele.
Izidingo zokufaneleka
Xa uxoxa ngokufaneleka kwezi nkqubo zokukhubazeka zombini, kufuneka uqonde iindlela zabo zokuxhaswa ngemali, ekubeni imali yabo ithintela ukuba ingaba ungafumana izibonelelo.
I-SSDI (njengenzuzo yezeNtlalontle yomhlala-phantsi) ixhaswa ngemali kwiirhafu zerhafu. Ukuze ukwazi ukufumana i-SSDI, kufuneka uqeshwe kwaye uhlawule loo ntlawulo yerhafu iminyaka eyaneleyo ukuze ufaneleke. Oku kuxho mekeke kwiminyaka yakho, kodwa ngokubanzi, kufuneka usebenze kwaye ukhokhe irhafu ubuncinane ubuncinane iminyaka eyi-10 (abantu abatsha banokukwazi ukufaneleka ngembali emfutshane yomsebenzi).
Kwakhona kufuneka ukuba uqeshwe ubuncinane ubuncinane ezimbini neyesigamu seminyaka eyi-10 edluleyo, kwaye ube ngumncinane kuneminyaka yobudala yokuhlala umhlalaphantsi (okwangoku uneminyaka engama-66 ubudala, kodwa ukwanda ukuya kuma-67 ngo-2027).
Xa usufikelele kwiminyaka yobudala yomhlalaphantsi, iintlawulo zakho zokukhubazeka ziya kutshintsha ngokuzenzekelayo kwiintlawulo zemivuzo yomhlala phantsi.
Ukuba unelungelo lokufumana i-SSDI, uya kufumana iindleko zenyanga ezisekelwe kwimali oyifumene ngayo. Oku kufana nendlela inkqubo yokuthatha umhlalaphantsi yeNhlalakahle esebenza ngayo.
I-SSI, okwangoku, ichanekileyo into ebizwa ngokuba yi-need based based: isekelwe kwimfuno yakho yeenzuzo, ngokuchasene nokuba usebenze ixesha elingakanani kunye nendlela oye uyihlawula ngayo kwinkqubo. I-SSI ixhaswa ngemali ngokubambisa irhafu ngokubanzi, kungekhona ngeentlawulo zerhafu, kwaye umntu okhubazekileyo unokukwazi ukufumana inxaxheba nangenkqubo nangona ayikazange asebenze.
Ukuze ufumane i-SSI, kufuneka ube neengeniso ezincinci kunye nezibonelelo ezinqongopheleyo (akukho ngaphezu kwe-2,000 yexabiso lexabiso, ngaphandle kokufaka ikhaya ohlala kuyo kunye nemoto). Intlawulo yenyanga ngenyanga evela kwi-SSI isekelwe kwiimfuno zakho zemali (kungekhona kwimbali yakho yemali). Ukuba unayo nayiphi enye ingeniso, intlawulo yakho ye-SSI iya kuncitshiswa.
Yintoni eqinisekisa ukuba ukhubazekile
Ukufaneleka njengokuba "ukhubazekile" phantsi kwezi nkqubo kunokuba yinto enzima kakhulu kwinkqubo yesicelo. Kuqhelekile ukuba isicelo sakho sinqatshwe kabini ngaphambi kokuba sigqitywe.
Ngokutsho koLawulo loKhuseleko loLuntu, ukukhubazeka kwakho kufuneka kudlulise iimvavanyo ezintathu ukuba kuthathwa njengezivumelekile kwi-SSDI okanye i-SSDI:
- Ukukhubazeka kwakho kukuthintele ukwenza umsebenzi owenze ngaphambili.
- Kufuneka ungakwazi ukulungelelanisa nomnye umsebenzi ngenxa yengxaki yakho yonyango.
- Ukukhubazeka kwakho kufuneka kuhlale okanye kulindeleke ukuba kudlule ubuncinane omnye unyaka okanye ukuphumela ekufeni kwakho.
Ulawulo loKhuselo loLuntu luya kwenza isigqibo malunga nokufaneleka kwakho kusekelwe kwisicelo sakho seenzuzo. I-arhente igcina uluhlu lweemeko ezinokuthi zikhubaza, kwaye iirekhodi zakho zonyango ziya kufuneka zibandakanye ubungqina bokuba unenye yale miqathango okanye enye imeko efana nokukhubaza.
I-SSDI ithathwa njengeprogram yokukhubazeka kwexesha elide-ukufaneleka kwamalungelo ayifuni kuze kube yilapho ukhubazekile kwiinyanga ezintlanu okanye ngaphezulu. Ukuba usebenza ngoku kwaye ufumana ngaphezulu kwe-$ 1,100 ngenyanga, awuyi kuthathwa njengokuba ukhubazekile.
Okwangoku, unako ukufumana ukuhlawulwa kweentlawulo ze-SSI, eziza kuqala ngokukhawuleza, ukuba unokukhubazeka okukhulu, njengento yokukhubazeka okanye ukuchithwa komlenze kwi-hip.
Ukugqiba ukuba yiyiphi inkqubo efanelekileyo kuwe
Ulawulo loKhuseleko loLuntu luyakwazi ukuphendula imibuzo eyintloko malunga neenkqubo zokukhubazeka kwimizila yefowuni engenakho-mali (800) 772-1213. Kananjalo unokuqwalasela ukutyelela iofisi ye-Social Security Office, apho abameli banokukunceda ngemibandela yokufaneleka.
Ngenxa yokuba inkqubo yokufaka izicelo zeenkqubo zokukhubazeka zentlangano iyinkimbinkimbi kwaye idinga ingcebiso ebalulekileyo evela kubaqeqeshi bezonyango, abaninzi abantu batusa ukuba kuqeshwe igqwetha ukuqinisekisa indlela yokuqhuba nokujongana nesicelo sokukhubazeka. Ukuba ukhetha ukutyikityha kunye negqwetha, qi ni sekise ukuba ufumane enye ubuncinane ngamava eminyaka ekujongeni amatyala okukhubazeka kweNtlalo.
> Imithombo:
> Ulawulo loKhuseleko loLuntu. Ubume bemiSebenzi yethu yokukhubazeka. Ishiti yeenyani.
> Ulawulo loKhuseleko loLuntu. Ukuqonda Imali yeNkxaso yoKhuseleko lwe-SSI Ukufaneleka kwe-SSI - Uhlobo lwe-2015. Ishiti yeenyani.
> Ulawulo loKhuseleko loLuntu. Ukuqonda Imali yeNkxaso yoKhuseleko yoThutho oluPhezulu lweeNtlawulo - Upapasho luka-2015. Ishiti yeenyani.
> Ulawulo loKhuseleko loLuntu. Yintoni eyahlukileyo phakathi kweNtshurensi yokuKhubazeka kweNtlalo kunye neNkxaso yeNkxaso yoKhuseleko? Ishiti yeenyani.