Indlela i-Federal Guideline ivimbela ukungabikho komtshato
Njengokuba kunzima ukujonga umlingane wakho ekhulile, ukubona ukuba lakho iqabane lingalahleki ukukwazi ukuzimela ngokuzimeleyo, okanye ukuba iqabane lakho lihambe kude nawe, kufuneka ucinge ukuba ngaba wenza okulungileyo kumyeni wakho okanye umfazi wakho , oko kukuthi, ukuwabeka kwikhaya lokunyamekela , kuya kukutshabalalisa ngemali.
Abaninzi abakhulileyo abanako ukubonelela ngononophelo lwekhaya lononophelo , kungekhona ngokwabo.
Indleko yenyanga yendawo yokuhlala ekwabelwana ngayo yi $ 6,692 ngenyanga okanye i-$ 80,304 ngonyaka. Kwigumbi labucala, liphezulu nakwi-7,604 ngenyanga. Nguye u-91,248 wama-dollar ngonyaka!
Ekubeni i- Medicare ayikugxininisi ukunakekelwa kwonyango lwexesha elide kwaye abantu abambalwa banako ukubonelela ngomshuwalense wangexesha elide , oshiya abaninzi baseMerika ukuba baye kwiMedicaid. Ulungelelwaniso lweMedicaid, ubuncinane xa kufikelele ekunakekelwa kweziko lononophelo okanye ukunakekelwa kwexesha elide, kusekelwe kwiifa zakho njengezibini .
Le yilapho ukucwangciswa kweMedicaid kubalulekile. Unokufumana njani izinto eziphathekayo kwiqabane lakho ukuba ufaneleke kodwa unayo imithombo yokwaneleyo ukuba uhlale kuluntu?
Oko Kuthetha Ukuba "Umlingani Womphakathi"
Xa kuziwa kwikhathalelo lokunyamekela ekhaya, i-Medicaid ibheka iimpahla zakho, oko kukuthi, into onayo, kunye nemali engenayo, oko kukuthi, oko ufumanayo, ngokwahlukileyo. Ukubeka nje, bajonga iifayili zakho ndawonye njengombini kodwa bajonga ingeniso yakho ngokwahlukileyo njengabantu ngabanye.
Ngaphambi kokuba umthetho wenziwe ngowe-1988, iqabane elaqhubeka lihlala kuluntu lithatha i-hit hit. Ukuze kufumaneke ukufaneleka kweMedicaid, izibini ezitshatileyo ziya kufuneka zichithe phantsi ifa lawo, ngokuphindaphindiweyo ziphelisa ixesha lokugcina imali yazo. Oku kwakhokelela ekubeni iqabane lomhlali liye lishiywe ngezinto ezincinci zokufikelela iziphumo.
Kukho ngoku ukhuselo kwindawo apho iqabane lommandla likhusela ukutshatyalaliswa komtshato.
Nangona i-state nganye iqulunqa imigangatho yayo kunye nemida, urhulumente wephondo ubeka izikhokelo zezi zikhuselo zeMedicaid. Ezi ziya kuboniswa ngezantsi. Nceda ubhekisele kwinkqubo yakho ye-Medicaid kwinkqubo malunga neenkcukacha eziphathelele kwimeko yakho.
Kufuneka ukhumbule kwakhona ukuba ulawulo lwe-GOP lwangoku lukhangele ukuguqula inkqubo yeMedicaid. Ingaba utshintsho olunokuthi luchaphazele ukukhusela okanye ukuwaphelisa ngokupheleleyo?
Ukukhusela iiAfa zakho
Iimali, i-401Ks, i-403Bs, i-annuities (ixabiso lentengo ngaphambi kokuba ihlawulwe i-akhawunti), i-akhawunti ye-brokerage, i-bonds, izitifiketi zediphozithi, ukujonga i-akhawunti, i-inshorensi (imali engaphezulu kwe-$ 1,500), utyalo-mali, i-IRAs, izicwangciso ze-Keogh, i-akhawunti yemakethe yemali, iimali, ukungabikho kwempahla (ingaphantsi kwezantsi), iimoto ezingenakhululwa, amanqaku okunyusa, i-akhawunti yokulondoloza, kunye namasheya-zonke ezi zinto zibala ngokufaneleka kwakho kweMedicaid.
Enyanisweni, ezininzi izinto onokuziguqula zibe yimali ekhoyo njengempahla. Nokuba iifomiti ezibuyiselwayo, njengentlawulo ehlawulwe ngaphambi kokuhlawula kunye nezibonelelo ezihlawulwa kwangaphambili, zingafakwa.
Ngo-2017, iifayili zakho kufuneka zilingane okanye zingaphantsi kwama-2,000 e-$ ukuze zilungele ukunyamekela ixesha elide ngeMedicaid.
Ngombulelo, iqabane lomntu livunyelwe ukubambelela kwiimpahla ezingaphezulu kunezo. Enyanisweni, banokugcina isiqingatha semali yezibonelelo ezifumanekayo ukuya kwisixa esetyenziswe nguLuntu lwasekuhlaleni isiKhokelo seMithombo yeZibonelelo (CSRA). Le mali ibalwa ngosuku "lwe-snapshot", umhla ochaphazelekayo umlingane okanye esibhedlele okanye uqalise ukunakekelwa kwexesha elide ubuncinane iintsuku ezingama-30.
Umzekelo 1 : Ukuba isibini sinabantu abangama-100,000 kwiimpahla ezifanelekileyo kwi-"snapshot", umlingane oya kwinkathalo yexesha elide ufanelekile xa impahla yakhe iyancishiswa ibe yi-$ 2,000 kunye neqabane lomhlali ukuya kwii-50,000 zamawaka (i-half-half $ 100,000) .
I-CSRA yangempela imiselwe yiphondo ngalinye, kodwa urhulumente wesigqeba ubeka umda ophantsi nangaphezulu ngaphezulu konyaka, ukulungelelanisa ukunyuka kwamaxabiso. Ngo-2017, ubuncinci benkampani ye-CSRA ngu-24,180 yeeRandi kunye ne-federal $ 120,900.
Ngokomzekelo ongentla, ukuba umbuso wabo wasebenzisa i-CSRA encinci, iqabane lomhlali aliyi kukwazi ukugcina imali epheleleyo ye-50,000. Baya kufuna ukuchitha imali yabo kwi-$ 24,180. Nangona kunjalo, ukuba babehlala kwimeko ephakamileyo ye-CSRA, bahlala begcina ixabiso lemali eyi-$ 50,000 kwiimpahla, kodwa akukho.
Ukukhusela Imali Yakho
Ingeniso ebalwayo kwi-Medicaid ukufaneleka iquka ukuhlawula, ipensheni, ingeniso yerenti, umvuzo, kunye neNkxaso-ntle yeNtlalo. Ngokungafani neempahla zakho, nangona kunjalo, ingeniso yakho yangasese ayichaphazeli ukufaneleka komlingane wakho kwaye awuyi kucelwa ukuba ufake isandla sakho kwiindleko zeMedicaid.
Oko akuthethi ukuba imali yakho engenayo ayifuni. Emva kwakho konke, usenokuba uxhomekeke kwingeniso yomlingane wakho kwimpilo yemihla ngemihla. Xa umlingane wakho e-Medicaid kwaye efumana ukunakekelwa kwangexesha elide , yonke ingeniso yabo-ikhuphe isibonelelo somntu siqu kwisithuba esingama-30 esincinci (kungabi nantoni kwiimpahla, ukutya, okanye ukuthenga isipho sokuzalwa) kunye neendleko zonyango iindleko abazenzayo - kulindeleke ukuba baye ngqo kwikhaya labahlengikazi. Kuphi okushiya wena okanye amalungu omndeni axhomekeke kuloo mali?
I-Minimum Allowance Allowance Allowance (I-MMMNA) yeNcinane yeNyanga yokuNakekela (i-MMMNA) iyona nto ingeniso yenkxaso yakho eyamkelekileyo iyamkeleka ukuhlangabezana nemilinganiselo yokuphila kumlingane womhlali. Ngelishwa, isibonelelo sisekelwe kumazinga ompofu omgangatho wesigqeba kwaye asinakuhlala esaneleyo ukuhlangabezana neemfuno zabantu abaguga.
Ukuba ufumana imali engaphantsi kwe-MMMNA, unelungelo lokufumana inxalenye yengeniso yomlingane wakho ukufikelela kuloo mali embi.
Umzekelo wesi-2 : Isibini esitshatileyo sinomvuzo ohlangeneyo we-$ 3,000 ngenyanga, i-$ 2,000 ukusuka kumlingane osesikweni kunye ne-$ 1,000 kwiqabane lomhlali. Ngomlinganiselo we-MMMNA we-$ 2,200, i-Medicaid imele ivumele i-$ 1,200 yengeniso yeqabane lomtshato ukuba yabelwe iqabane lomntu (i-$ 2,200 engama-$ 1,000). Oku kushiya iqabane elisekliniki ukuba lihlawule ikhaya elinobuhlengikazi i-$ 770 ngenyanga (i-$ 2,000 engaphantsi kwe-$ 1,200 idlulise i-$ 30 yezibonelelo zemfuno zabantu).
Ngo-2017, i-MMMNA isetyenziswe kwii-2,030 zamazwe kuwo onke amazwe ngaphandle kweAlaska neHawaii apho ibekwe kwi-$ 2,536.25 kunye ne-$ 2,333.75 ngokulandelana. Ubuninzi bubekwe kwi $ 3,022.50. Urhulumente wakho unokukhetha ukusebenzisa nayiphi na ixabiso phakathi.
Ukukhusela ikhaya lakho
I-Medicaid ayibandakanyi ikhaya lakho njengenxalenye yeefa zakho, ubuncinane kungekhona. Kunoko, basebenzisa imida yokulingana yasekhaya ukuze baqinisekise ukufaneleka kwakho.
Indawo yokuhlala yokuqala ukuya kwii-560,000 zama-equity equity excluded from assets your countable. Amanye amazwe aphakamisa ukuba umlinganiselo wokulingana u-$ 840,000. Ukubanjwa kukuba iqabane elizimeleyo liceba ukubuyela ekhaya kwikamva. Ngokuxhomekeke kwimeko ohlala kuyo, inkqubo yeMedicaid ingafaka umthwalo wobubungqina kuwe ukuba ubonise ukuba kunokwenzeka ukuba uza kubuya ekhaya. Ukuba ezo ziqinisekiso azithotyelwanga, ziyakwazi ukubeka unxibelelwano ekhayeni lakho ngelixa uhlala kwikhaya labahlengikazi. Noko ke, i-link ayikwazi ukufakwa ukuba iqabane lomntu, umntwana ongaphantsi kweminyaka engama-21 ubudala, umntwana ongaboniyo okanye ukhubazekile, okanye umntakwabo onobulungisa ekhaya ehlala apho.
Imilinganiselo yokulingana isekelwe kwixabiso elithengileyo lemarike ekunciphiseni ubuninzi bakho kwi-mortgage. Ukuba ubelana nobunikazi bomhlaba, ubulungisa bakho buyingxenye yesixa.
Umzekelo wesi-3: Ukuba wena unayo ikhaya elinenani elifanelekileyo lemarike eyi-600,000 kwi-state eneemali ezilinganiselwa kuma-560,000, u-40,000 weeRhafu uya kubala kwizinto zakho. Ukuba unetyala le-100 000 kwi-mortgage yakho, ukulingana kwakho kuya kuncitshiswa ibe yi-$ 500,000, kwaye indlu yakho ayiyi kubalelwa ekufanelekeni kweMedicaid.
Umzekelo wesi-4: Ukuba ubelana nobunikazi bekhaya elinenani elifanelekileyo leemarike ezingama-600,000 kwilizwe elinomyinge we-560,000 wemilinganiselo yokulingana, ukulingana kwekhaya lakho ngokwenene ku-$ 300,000, isiqingatha sexabiso lemarike elifanelekileyo. Ikhaya lakho aliyi kubalwa ngokufaneleka kwakho kweMedicaid ekubeni isabelo sakho siwela phantsi komda wokulingana ekhaya.
Njengokuba kunemithetho emininzi, kukho ukungabikho komthetho. Ukuba iqabane lomntu okanye umntwana womlingane osemthethweni-ngokukodwa umntwana oneminyaka engaphantsi kweminyaka engama-21 ubudala, ongaboniyo, okanye onokunye ukukhubazeka kwexesha elide-uhlala ekhaya, akukho mingcele yokulinganisa ikhaya. . Indawo yokuhlala ayibalwa malunga nokufaneleka kwakho ngaphandle kokubaluleka kwayo.
Ngeendleko ezikhulayo zeendleko zezindlu zokunonyamekela, akumangalisi ukuba iMedicaid ifuna ukuhlaziya iindleko kwiProgram ye-Medicaid Estate Recovery Programme . Kwimeko apho iqabane eliqeshwe ngamaziko lidlula khona, i-Medicaid inelungelo lokufuna ukubuyiswa kweentlawulo ngeendawo zayo, kodwa kwakhona, kukho ukukhuselwa endaweni. Amazwe akavumelekanga ukuba abuyele kwiindawo zabaxhamli xa zisinda ngumlingane womntu, umntwana ongaphantsi kweminyaka engama-21, okanye umntwana onobuphofu okanye ukukhubazeka okude .
ILizwi
Kukho ngaphezulu kokubeka iqabane lakho kwikhaya lokunakekelwa kunokuba ufake isicelo seMedicaid. Emva kwakho konke, i-asethi yakho, kungekhona nje loo mlingane wakho, inqume ukuba ingafaneleki okanye ayikho. Ukuba uxhomekeke kwingeniso yomlingane wakho, ivelaphi na? Ikusasa lakho lezemali linokubakho. Kungumnqweno wakho ukuthetha nomqeqeshi wezomthetho ogqwesileyo kwi-Medicaid kwimeko yakho kwaye unqume indlela yokukhusela ngokuthe ngempumelelo impahla yakho.
> Imithombo:
> 1396r-5. Unyango lweNgeniso kunye neZibonelelo kwiiNkcazo ezithile zeZiko. Ofisi yoPapasho kaRhulumente. https://www.gpo.gov/fdsys/pkg/USCODE-2010-title42/pdf/USCODE-2010-title42-chap7-subchapXIX-sec1396r-5.pdf. Ipapashwe ngoFebruwari 8, 1988.
> I- S7 ne-Spousal Impoverishment Standards. Medicaid.gov. https://www.medicaid.gov/medicaid/eligibility/downloads/spousal-impoverishment/2017-ssi-and-spousal-impoverishment-standards.pdf. Ukuhlaziywa kweJanuwari 1, 2017.
> Iindleko zaseKhaya zoLondolozo nguRhulumente. SkilledNursingFacilities.org iwebhusayithi. https://www.skillednursingfacilities.org/resources/nursing-home-costs/.
> Ukutshatyalaliswa komtshato. Medicaid.gov. https://www.medicaid.gov/medicaid/eligibility/spousal-impoverishment/index.html.
> Abatshatileyo beMedicaid Abanakekeli bexesha elide. Ofisi yoNcedisi uNobhala weCwangciso noVavanyo; ISebe lezeMpilo laseMelika kunye neeNkonzo zoLuntu. https://aspe.hhs.gov/basic-report/spouses-medicaid-times-term-care-recipients.