Popanda inshuwaransi, zikhoza kuwoneka ngati kulipira chisamaliro cha Alzheimer chidzasokoneza bajeti. Kuchokera ku Medicare kupita ku malipiro olemala, komabe, pali zosankha kwa iwo omwe alibe inshuwaransi. Ngakhale thandizoli silingathetseretu ndalama zomwe zimachitika chifukwa cha matenda a Alzheimer's , mapulogalamuwa ndi maboma a boma angathe kupereka chithandizo panjira.
Medicaid
Medicaid ndi pulojekiti yodalitsidwa ndi boma motsogoleredwa ndi anthu omwe ali pansi kapena pafupi ndi federal poverty level. Dziko lirilonse limakhazikitsa miyezo yake yovomerezeka, ntchito zowonongeka ndi kuchuluka kwa kubwezeredwa kwa ntchito. Medicaid kawirikawiri imayang'anira ntchito zonse zachipatala, chisamaliro chaumoyo kunyumba, nthawi yaitali chisamaliro ndi kayendedwe kwa maulendo a dokotala.
Malamulo oyenera kulandira ndalama kwa Medicaid ndi ovuta ndipo nthawi zina amafunika "kuyang'ana mmbuyo zaka zitatu." Oimira Medicaid adzayang'ana mbiri yakale ya ndalama kuti aone ngati katundu aliwonse adasamutsidwa kapena kugulitsidwa pansipa kwa achibale ndi abwenzi kuti athe kulandira Medicaid.
Ndikofunika kudziwa kuti si onse omwe amalandira mankhwala a Medicaid, choncho funsani munthu wina aliyense musanayambe kumwa mankhwala. Pitani ku Maofesi a Webusaiti ya Medicare ndi Medicaid Services kuti mudziwe zambiri ku maofesi a Medicaid.
Zowonjezera Zowonjezera Zopereka
Kuwonjezera pa inshuwaransi ya anthu ndi mapulogalamu othandizira azachipatala, boma limapereka thandizo kwa anthu ena omwe sangathe kugwira ntchito chifukwa cha kulemala. Nthaŵi zambiri, matenda a Alzheimer amakhala olemala.
Kuti muyenerere ndalama za Supplemental Security , komabe, munthu ayenera kukhala ndi ndalama zopitirira $ 2,000 pamtunda.
Mwamuna ndi mkazi sangakhale ndi ndalama zokwana madola 3,000 pazomwe zilipo. Mawu akuti nsomba zachinsinsi amatanthauza ndalama m'mabanki a banki, ndalama, malonda ndi ndalama zogulitsa nyumba. Sichiphatikizapo ziwembu za manda, nyumba ya banja kapena, nthawi zambiri, galimoto yamtundu. Lankhulani ndi ofesi ya Social Security Administration kuti mudziwe zambiri pulogalamuyi. Ofesi ya dziko ikhoza kufika poyitana (800) 772-1213.
Ndalama zaumphawi zaumphawi
Anthu omwe ali olumala ndipo sangakwanitse kugwira ntchito amakhalanso oyenerera pa Zopeza Zowonongeka za Social Security . Malingana ndi Social Security Administration, kulemala kumafotokozedwa motere:
- Munthuyo ali olumala kwathunthu ndipo sangathe kugwira ntchito konse.
- Munthu sangathe kuchita ntchito ina chifukwa cha ulemala.
- Kulemala kwadutsa miyezi isanu ndi umodzi ndipo ikuyembekezeredwa kuti ipitirire kwa chaka chimodzi.
Zopindulitsa zidzakhala zosiyana kwambiri ndi munthu aliyense, koma zidzapitirira mpaka munthuyo atapindula kapena atembenuka 65. Panthawi imeneyo, ngakhale ndalamazo zikhale zofanana, malipiro amachokera ku polojekiti ya Social Security.
Medicare
Mwachizoloŵezi pulogalamu ya anthu oposa 65, Medicare imapereka inshuwalansi yolipidwa ndi boma kwa anthu ena omwe amalandira Inshuwalansi Yopumitsa Bungwe la Social Security.
Anthu osapitirira zaka 65 omwe akufuna kulembetsa ayenera kupita ku malo a Centers for Medicare ndi Medicaid Services webusaiti kapena atumizire ofesi yawo ya Medicare kuitana (800) MEDICARE.
Medicare inshuwalansi kawirikawiri imaphimba 80% ya chisamaliro chomwe sichimafuna kuchipatala ndi chisamaliro cha chipatala cha 100% pambuyo pang'onoing'ono ya deductible ikukumana. Malingana ndi Fisher Center ya Alzheimer's Research Foundation, Medicare idzafotokoza "maulendo oyenera komanso oyenera a dokotala, mankhwala , ntchito, kapena kulankhula, psychotherapy kapena chithandizo cha kasamalidwe ka mankhwala ndi katswiri wa zamaganizo, komanso ntchito zothandizira azimayi" oyenerera odwala Alzheimer's matenda.
Mapulogalamu Othandizira Othandizira
Madera ambiri amapereka chithandizo china kwa achibale omwe amapereka chisamaliro cha nthawi yaitali. Mapulogalamu othandizirawa angaphatikizepo chirichonse kuchokera kumuthandizi pakupeza ndikuthandizira chisamaliro cha tsiku lachikulire kupereka uphungu kwa wotsogolera.
Mapulogalamu, komanso zofunikila, zimasiyanasiyana kwambiri. Kuti mudziwe zambiri kapena kupeza ofesi ya boma, funsani National Family Caregiver Support Program, magawano a US Administration ku Aging, pa (202) 619-0724.
Zotsatira:
Feinberg, Lynn Friss, Sandra Newman ndi Wendy Fox-Grage. Ntchito Zothandizira Banja: Kusamalira Banja Lopanda Ngongole ndi Mabwenzi Panthawi Yoponderezedwa ya Zigawo za Padziko Lonse. AARP Public Policy Institute April 2005.
Medicaid. Fisher Center ya Alzheimer's Research Foundation: Kulipira Thandizo la Thanzi. 2008. Fisher Center ya Alzheimer's Research Foundation.
Medicare. Fisher Center ya Alzheimer's Research Foundation: Kulipira Thandizo la Thanzi. 2008. Fisher Center ya Alzheimer's Research Foundation.
Zowonjezera Zopereka Zowonjezera (SSI). Online Social Security Online: Electronic Booklet. June 2007. Social Security Administration.
Zimene Timatanthauza Ndi Olemala. Webusaiti Yotseketsa pa Intaneti: Disability Planner. January 2008. Social Security Administration.
Zimene Mukuyenera Kudziwa Pamene Mupeza Mapulogalamu Otetezera Otetezeka. Online Social Security Online: Electronic Booklet. Jan. 2008. Social Security Administration.