Iindleko mhlawumbi yinto yokugqibela ofuna ukuyicinga ngayo xa ufunda unomdlavuza wemitha . Ngandlela-thile, akwenzeki nje ukuba abantu bamele baxhalabele ngemali ephantsi xa bejongene nokukhathazeka ngokomzimba nangokomzwelo wesifo somhlaza .
Sekunjalo, siphila kwihlabathi apho umdlavuza ubiza kakhulu . Kwi-equation apho iindleko zikhuphuka kwaye amandla okusebenza ahla okanye aphelelwe ngokupheleleyo, isixa asisoloko sisithandayo.
Nangona oku kunokuzwakala kukudikibala, kungenza umehluko omkhulu ukuthatha ixesha elifutshane ukucinga ngemali yakho yexesha elide, kwaye uqale ukugcina umkhondo. Oku kunokukunceda ukuzola ezinye zezoyiko zakho ukuze ufunde ukuba ngaba uya kufuna uncedo kwaye ukuba kunjalo, hlola iinketho ezikhoyo.
Iindleko zokulandelela
Into ebaluleke kakhulu ongayenza ngemali kukuba uqale ukugcina iindleko zakho, nokuba ngaba ufunyanisiwe, okanye ngokukhawuleza kunokwenzeka. Abantu abaninzi bakuthola kukunceda ukuthenga incwadi enikezelwe kuphela ukulandelela iindleko zakho. Ngexesha elifanayo, unokuba unqwenela ukuthatha ifolda yokugcina nayiphi na irisidi ebalulekileyo.
Oku akuthethi ukuba kufuneka uhlale phantsi kunye ne-akhawunti yeeyure ngeeyure. Unomsebenzi obaluleke ngakumbi ofuna ukugxila kuwo, kodwa imizuzu embalwa ngoku unokukugcina kunye nosapho lwakho ixesha kunye neentloko emva koko.
Cwangciso soRhafu
Esinye isizathu sokuqala ukugcina ingqalelo kwiindleko ngokukhawuleza kukuba iindleko ezininzi ezinxulumene nomhlaza zithengiswa irhafu.
Unokudangala ukuqonda ukuba ukuncitshiswa kwezonyango kufuneka kudlule ngaphezulu kweepesenti ezili-10 zemali engenayo yokulungelelanisa, kodwa abaninzi abantu bayamangaliswa ngokukhawuleza ukuba le nombolo ifinyelelwe.
Ukuthatha nje ixesha lokurekhoda iindleko zakho njengoko zivela (nokuba i-mileage ukutyelelwa kwakho iyancitshiswa) kwaye ukulahla iirisithi kwifolda kunokugcina iiyure ezingapheliyo (nemali) ekuhambeni kwexesha.
Uhlahlo lwabiwo-mali
Emva kokuba unencwadana yakho ukurekhoda iindleko zakho kunceda ukufumana ingcamango yakho engezantsi. Oku akumele kube yipredishithi ehambelana nayo yonke impahla kunye nazo zonke iindleko, kodwa kunomfanekiso omfutshane weengeniso kunye namatyala. Oku kuya kukunika ingcamango engcono yokuba uya kufuneka ukhangele ezinye iinketho zokwenza iindleko zokunyamekela kwakho.
Ixhorensi
Ukujonga ngophakamiso lwakho lwe- inshorensi yonyango ngenye yezona zinto zibaluleke kakhulu ekulungiseni ngemali xa unomdlavuza wemitha. Nazi izicebiso ezimbalwa:
- Hlola umgaqo-nkqubo wakho - Uninzi lwabantu banengcamango jikelele ye-inshorensi yabo yonyango, kodwa eli lixesha elifanelekileyo lokuphonononga ngakumbi umgaqo-nkqubo wakho. Oku kuya kunika ingcamango malunga neendleko ezigqityiwe kwaye ingaba ungekho phantsi koko.
- Qondani umahluko phakathi kwenethiwekhi kunye nabanikezeli benethiwekhi -Ininzi yemigaqo-inshorensi ineengxenye ezihlukeneyo zokuxhomekeka kuxhomekeke ekubeni ingaba ikliniki okanye isibhedlele isetrateni okanye ngaphandle kwenethiwekhi. Nangona iikliniki ezimbalwa zihambela kwi-intanethi zingenakongezelela kakhulu, ukuhlukana kweendleko zokukhutshwa kwezibhedlele kwi-intanethi kungongeza ngokukhawuleza.
- Funda malunga nenkqubo yokugunyazwa kwangaphambili - Ukuba ufumanisa ukuba unyango olufunayo lufumaneka kuphela kwinethiwekhi, biza inkampani yakho yinshuwalense. Ukuba unokubonisa ukuba unyango olufumanekayo kuphela kwisiko somhlaza wesigxina esiphezulu okanye unemiphumo engaphantsi kwemiba, i-inshorensi yakho inokuthi ihlawule iindleko zakho kwizinga le-in-network.
Gcina ukhumbule ukuba le micimbi kufuneka icingwe phambi kokuba unyango kwaye oku kuya kuphazamisa xa sele usujamelana neempawu zomhlaza. Ukuba unomhlobo okanye ilungu lentsapho elinokukunceda ukuba ulandele la ma nyathelo, qwa lasela ukuvumela ukuba bancede.
- Ukuphonononga iibill zakho - Ingcinga efanelekileyo ukuthabatha umzuzu ukuhlaziya iindleko zakho ekutyeleleni nasezibhedlele. Iimpazamo ziqhelekileyo kwaye kulula ukulungisa xa zifumene ekuqaleni.
- Ukuphononongwa kwenkcazo yakho yokunyamekela ekhaya kunye nokunyamekela esibhedlele - nokuba uvakalelwa kakuhle kwaye unethemba lokuba awuyi kuyidinga le ndlela, jonga ukujonga ukuba yeyiphi inkcazo onayo yokunakekelwa kwezempilo kunye nokunyamekela. Uninzi lwezicwangciso zihlanganisa ezo zidingo kodwa iinkcukacha ziyahlukahluka kakhulu.
Intshuwalense yokukhubazeka
Ukulahleka kwengeniso yenye yeyona nkxalabo ebalulekileyo kulabo abajongene nomhlaza wesifo semitha. Ukuba usandul 'ufumane ukuba unomdlavuza weemetastatic, unokuvakalelwa ngathi ukuqala ukujonga ukukhubazeka, kodwa ixesha elifanelekileyo lokuqwalasela eli lide ngaphambi kokuba uludinge.
Unokuba ne-inshorensi yokukhubazeka ngomsebenzi wakho okanye ngomgaqo-nkqubo wabucala, okanye ungadinga ukuqwalasela ukukhubazeka kwezenhlalakahle.
Ekubeni inkqubo yokwenza isicelo sokukhubazeka kwezentlalo ide, ixesha elifanelekileyo lokufaka isicelo ngokukhawuleza xa ufuna. Ukuze ufaneleke, uya kufuna udokotela ukuba asayine ifomu ethi awukwazi ukusebenza ngenxa yemo yezokwelapha elindeleke ukuba idlulise ubuncinane ubuncinane iinyanga ezili-12 (okanye zibangele ukufa.) Khumbula ukuba ukuba uyaqhubeka yenza kakuhle kwaye unqume ukuba emva koko unako ukusebenza, unako ukuyeka ukucwangcisa inkqubo.
Unokudideka kunye nokwahlukana phakathi kokukhubazeka kwezentlalo (SSI okanye i-SSDI) kunye neengeniso ezongezelelweyo zokhuseleko (SSI). Ukwahlukana kukuba i-SSD inikwe abo baqokelele inani elithile leeyure zomsebenzi, ngelixa i-SSI ifumaneka kulabo abanomvuzo ophantsi okanye abangazange basebenze ngaphandle kwendlu ngokwaneleyo ukuze bafumane iikhredithi zomsebenzi ezifunekayo ukuze bafaneleke.
Inkxaso yeMali
Ngaphandle kwintengiso ye-inshorensi enhle, iindleko zonyango lomhlaza zingabonakalisa. Ngokujonga umgca wakho ophantsi njengoko kuphawulwe, uya kuba nombono ongcono ukuba ngaba uya kufuneka uncedo olungakumbi.
Ukuphonononga okukhethwa kukho ukuxhasa ngemali unyango lwakho
Ukuba awunayo imali oyifunayo kwibhankini-njengenani elikhulu labantu abanomdlavuza we-metastatic do not take a moment to think about what options you have. Umzekelo:
- Ngaba unokuthatha imali mboleko kwi-inshorensi yobomi bakho?
- Ngaba unako ukuthatha imali yesibini (okanye yesithathu) yokuboleka kwendlu yakho? Kulabo abangaphezu kweminyaka engama-65, ngaba unokuthatha imali yokuthenga imali?
- Ngaba unayo nawahlobo okanye amalungu omndeni onokukulungele ukuboleka imali?
- Ngaba unokungena kwiholo lakho lomhlalaphantsi? Unokudinga ukuthatha ilahleko, kodwa ekuhambeni kwexesha, ukulahleka okunjengale ngaphambili kungalondoloza imali phantsi komgca.
- Ingaba unayo nayiphi na into exabisekileyo oya kukulungele ukwabelana nayo ukuba ungayithengisa?
- Ngaba unayo nabani na abaza kukulungela ukucwangcisa umxhasi kumxhasi okanye kwi-intanethi? Abaxhasi baxhomekeke kwindlela eqhelekileyo kubantu abanomdlavuza webele weemetastatic ukunyusa imali kwaye ngokuqhelekileyo kuyasebenza. Kukho iinkqubo ezininzi ze-intanethi ngokusebenzisa imidiya yoluntu onokuyihlola. Ukuba unomhlobo othanda ukulungiswa kweengxowa-mali, kuyamangalisa ukuba mangaphi amashishini kwiindawo ezininzi zoluntu azakuvuyela ngokunikela iinkonzo, ukutya, okanye ezinye izinto kwiintengiso ezingenanto.
Unokucinga ngezinye iinketho ezongezelelweyo, kodwa ukuthabatha umzuzu ukucinga ngezinye zezi zinto kunokukunika ukuqinisekiswa.
Uncedo lwezeMali
Ukuba usabomvu emva kokuvavanya ukhetho lwakho, unokufisa ukujonga kwiindidi ezahlukeneyo zoncedo olukhoyo.
Kukho imibutho emininzi enika uncedo kubantu abajamelana nomdlavuza webele weemetastatic, nangona iintlobo zoncedo ziyahluka. Abanye banika uncedo ngokuqeshisa okanye ukuthutha. Abanye banikela ngoncedo lwezezimali ekunakekelwa kwabantwana. Kanti abanye banika i-college scholarships kubantwana balabo abanomdlavuza webele.
Iiprogram zonyango lweziyobisi zonyango zingakunika ithuba lokufumana unyango lwakho okanye amayeza athathwe. Kukho iiprogram zokuhamba ngeenkululeko ezigulane zomhlaza kwezinye iindawo.
Ekubeni kukho uluhlu olubanzi lwezinto ezikhethiweyo, indlela efanelekileyo yokuqalisa ngayo kukuthetha nomsebenzi wakho wezentlalo yoluntu. Uninzi lomhlaza wezentlalo loluntu uncedise abanye abanjengawe ukuba bafumane uncedo abanalo. Unokufisa ukuba ubhale umhlobo onamandla okanye ilungu lentsapho ukuba wenze uphando ngoncedo, njengoko oku kungayigxina kwaye iyanzima.
> Imithombo:
> DeVita, Vincent., Et al. I-Cancer: Imigaqo kunye nokuSebenza kwe-Oncology. Ngomhlaza we Breast. Wolters Kluwer, 2016.
> I-American Cancer Society. Iingqinisiso zeCans and Figures 2016. https://www.cancer.org/content/dam/cancer-org/research/cancer-facts-and-statistics/annual-cancer-facts-and-figures/2016/cancer-facts- kunye namanani-2016.pdf