Momwe Utsogoleri Wachigawo Umalepheretsa Kugonana Kwaumunthu
Monga ngati sikokwanira kuti muwone mwamuna kapena mkazi wanu akudwala, kuti awone mwamuna kapena mkazi wanu atasowa kugwira ntchito payekha, kapena kuti mwamuna kapena mkazi wanu achokere kwa inu, muyenera kuganizira ngati mukuchita zoyenera mwamuna kapena mkazi wanu , mwachitsanzo, kuziika m'nyumba yosungirako anthu okalamba , zidzakuwonongerani ndalama.
Okalamba ambiri sangakwanitse kupeza nyumba yosamalira odwala , osati paokha.
Mtengo wapakatikati pamwezi wogula nawo ndi $ 6,692 pa mwezi kapena $ 80,304 pachaka. Kwa chipinda chamagulu, ndipamwamba kwambiri pa $ 7,604 pamwezi. Ndizo $ 91,248 zokwana pachaka!
Popeza Medicare sichisamalira anthu okalamba omwe akukhala osamalidwa ndipo anthu ochepa sangakwanitse kupeza inshuwalansi yanthaŵi yaitali , zomwe zimachititsa Ambiri ambiri kupita ku Medicaid. Kuyenerera kwa Medicaid, makamaka pankhani yothandizira anthu okalamba kapena kusamalirako kwa nthaŵi yaitali, kumachokera pa chuma chanu monga banja .
Apa ndi pamene kukonza Medicaid kumakhala kofunikira. Kodi mungakhale bwanji ndi zochepa zokwanira kuti mwamuna wanu akhale woyenerera koma adzalandira zokwanira kuti mukhale m'dera lanu?
Zomwe Zimatanthauza Kukhala "Wokwatirana Naye"
Pokhudzana ndi nyumba yosungirako anthu okalamba, Medicaid amawoneka chuma chanu, mwachitsanzo, zomwe muli nazo, ndi ndalama, mwachitsanzo, zomwe mumapeza, mosiyana. Mwachidule, iwo amayang'ana katundu wanu pamodzi ngati okwatirana koma amayang'ana phindu lanu mosiyana ndi aliyense payekha.
Asanachitike malamulo mu 1988, wokwatirana amene adakhalabe mmudzimo adatenga ndalama. Kuti athe kupeza Medicaid zoyenera, mabanja okwatirana amayenera kutaya katundu wawo, nthawi zambiri amawononga ndalama zawo zonse. Izi zinapangitsa kuti abambo ammudzi asakhale ndi zochepa zopangira zosowa.
Pakalipano pali chitetezo kuti mkazi wammudzi akhale otetezeka kuti asakwatirane.
Ngakhale kuti boma likhazikitse miyezo yake ndi malire ake, boma limapereka malangizo othandizira kuteteza mankhwalawa. Izi zidzafotokozedwa pansipa. Chonde lankhulani pulogalamu yanu ya Medicaid kuti mudziwe zambiri zokhudza dziko lanu.
Muyeneranso kukumbukira kuti ma GOP akutsogolera akuyang'ana kusintha ndondomeko ya Medicaid. Kodi kusintha kosinthidwako kungakhudze maukwati awo kapena kuwathetseratu?
Kuteteza Zinthu Zanu
Cash, 401Ks, 403Bs, annuities (ndalama zamtengo wapatali zisanapangidwe), akaunti zogulitsa ngongole, mabungwe, ziphaso za ndalama, kufufuza akaunti, inshuwalansi (ndalama zamtengo wapatali zoposa $ 1,500), ndalama, IRAs, Keogh ndondomeko, makampani a ndalama, mgwirizano ndalama, zopanda malire (zowonjezera pansi), magalimoto omwe sali nawo, mapepala othandizira, akaunti zosungira, ndi masitolo-zonsezi zimakhala zovomerezeka ku Medicaid.
Ndipotu, zinthu zambiri mungathe kusintha kuti mukhale ndalama zamtengo wapatali. Ngakhale ndalama zowonjezeredwa, monga lendi lolipira kale komanso zothandizira kulipira, zitha kuphatikizidwa.
Mu 2017, katundu wanu ayenera kukhala wofanana kapena osachepera $ 2,000 kuti akwaniritse chisamaliro cha nthawi yaitali kudzera mu Medicaid.
Mwamwayi, mkazi wammudzi amaloledwa kugwiritsitsa pazinthu zambiri kuposa izo. Ndipotu, angathe kusunga theka la ndalama zomwe zilipo pokhapokha pokhapokha ndalama zomwe zimaperekedwa ndi anthu a m'deralo. Ndalamayi ikuwerengedwera pa tsiku la "snapshot", tsiku limene mkazi wosokonezeka ali kuchipatala kapena ayambitsa chisamaliro cha nthawi yaitali kwa masiku osachepera makumi atatu.
Chitsanzo 1 : Ngati mwamuna ndi mkazi ali ndi $ 100,000 pazinthu zoyenerera pa tsiku la "chithunzi", mwamuna kapena mkazi wake amatha kusamalira nthawi yayitali ngati ali ndi ndalama zokwana madola 2,000 ndipo mwamuna kapena mkazi wake amakhala ndi $ 50,000 (theka la $ 100,000) .
SRA yeniyeniyo imatsimikiziridwa ndi boma lirilonse, koma boma la federal limapanga malire apansi ndi apamwamba chaka chilichonse, kusintha kwa inflation. Mu 2017, bungwe la CSRA laling'ono ndi $ 24,180 ndipo boma lalikulu la $ 120,900.
Mu chitsanzo chapamwamba, ngati boma likugwiritsa ntchito CSRA yochepetsetsa, banjalo sangathe kusunga ndalama zokwanira madola 50,000. Ayenera kutaya ndalama zawo kwa $ 24,180. Komabe, ngati iwo ankakhala mu boma limene linapereka chiwongoladzanja cha CSRA, akhoza kusunga ndalama zokwanira madola 50,000 mu chuma, koma kenanso.
Kuteteza Ndalama Zanu
Malipiro omwe amawerengera ku Medicaid akuyeneretsedwa akuphatikizapo annuities, pensions, ndalama zogona, malipiro, ndi Social Security phindu. Mosiyana ndi katundu wanu, komabe ndalama zanu sizimakhudza zokwanira za mwamuna kapena mkazi wanu ndipo simudzafunikila kupereka ndalama zanu pa ndalama za Medicaid.
Izi sizikutanthauza kuti ndalama zanu sizikusewera. Pambuyo pake, mwina munadalira ndalama za mnzanu tsiku ndi tsiku. Mwamuna kapena mkazi wanu atakhala pa Medicaid ndikulandira chithandizo cham'tsogolo nthawi zonse, ndalama zonse zomwe amapeza zimakhala zosowa zokwanira pa $ 30 (zosafunika kuti apange zovala, kudya, kapena kugula mphatso ya kubadwa) komanso mtengo wa mankhwala alionse ndalama zomwe amazitenga - amayembekezeka kuti azipita ku nyumba yosungirako okalamba. Kodi izo zikuchokera kuti inu kapena achibale anu zimadalira kuti ndalamazo?
Ndalama Zochepa Zosungirako Zakudya Zokwanira Mwezi (MMMNA) ndizochepa zomwe boma lanu limapereka limalandiridwa kuti likhale ndi moyo wabwino kwa wokondedwa wawo. Mwamwayi, ndalamazo zimakhazikitsidwa pazigawo za umphawi ndipo sizikhala zokwanira kukwaniritsa zosowa za okalamba.
Ngati mumalandira ndalama zochepa kuposa MMMNA, muli ndi mwayi wopeza ndalama za mnzanuyo kuti mufike pamtengo wovutawo.
Chitsanzo chachiwiri : Anthu okwatirana ali ndi ndalama zokwana madola 3,000 pa mwezi, $ 2,000 kuchokera kwa amayi omwe amakhazikitsidwa ndi ndalama zokwana madola 1,000 kuchokera kwa wokondedwa wawo. Pokhala ndi MMMNA ya boma ya $ 2,200, Medicaid ayenera kulola ndalama zokwana $ 1,200 za ndalama zomwe amayi apatsidwa azipatsidwa kwa ammudzi ($ 2,200 kupatula $ 1,000). Izi zimasiya mwamuna wokonzekera kubweza nyumba ya okalamba $ 770 pa mwezi ($ 2,000 osachepera $ 1,200 osapereka ndalama zokwana madola 30).
Kwa 2017, MMMNA yaikidwa pa $ 2,030 m'madera onse kupatula ku Alaska ndi Hawaii komwe imakhala pa $ 2,536.25 ndi $ 2,333.75 potsatira. Zokwerazi zaikidwa pa $ 3,022.50. Dziko lanu lingasankhe kugwiritsa ntchito mtengo uliwonse pakati.
Kuteteza Nyumba Yanu
Medicaid sichiphatikizapo nyumba yanu ngati gawo la chuma chanu, nthawi zonse. M'malo mwake, amagwiritsa ntchito malire ofanana ndi nyumba kuti adziwe kuti ndinu woyenera.
Malo okhalamo okwana $ 560,000 ofanana akuchotsedwa ku zinthu zanu zowerengeka. Ena amanena kuti malire a $ 840,000 amatha. Nsombazo ndizo kuti amayi omwe akukonzekera amayembekezera kuti abwererenso kunyumba. Mogwirizana ndi dziko limene mukukhala, pulogalamu ya Medicaid ikhoza kuyika zolemetsa zanu kuti zikuwonetseni kuti mungabwerere kunyumba. Ngati ziyeneretsozi sizikugwirizana, akhoza kuyika pakhomo panu pamene muli mu nyumba yosungirako okalamba. Kuthandizana, komabe, sungakhoze kukhazikitsidwa ngati mwamuna wammudzi, mwana wosakwana zaka 21, mwana wakhungu kapena wolumala, kapena mbale yemwe ali ndi umoyo wabwino m'nyumbayo.
Malire amtunduwu akugwiritsidwa ntchito pa malonda osagwirizana ndi ndalama zomwe muli nazo pa ngongole. Ngati mugawana mwini wake wa katundu, ndalama zanu ndizochepa theka.
Chitsanzo chachitatu: Ngati inuyo muli ndi nyumba yokhala ndi ndalama zokwana madola 600,000 m'boma lomwe lili ndi malire okwana madola 560,000, ndiye $ 40,000 adzawerengera chuma chanu. Ngati muli ndi ngongole ya $ 100,000 pa ngongole yanu, ndalama zanu zikhoza kuchepetsedwa kukhala madola 500,000, ndipo nyumba yanu silingathe kuwerengedwa ku Medicaid yoyenera.
Chitsanzo chachinayi: Ngati mugawana mwini nyumba yomwe ili ndi ndalama zokwana madola 600,000 m'boma lomwe lili ndi malire okwana madola 560,000, nyumba yanu yokwanira ndi $ 300,000, theka la mtengo wogulitsa. Kunyumba kwanu sikukanakhoza kuwerengedwa ku Medicaid yanu yoyenera chifukwa gawo lanu liri pansi pa malire ofanana.
Monga ndi malamulo ambiri, pali zosiyana ku ulamuliro. Ngati mwamuna kapena mkazi wa mderalo, kapena mwana wa amayi omwe ali ndi udindo wapadera, makamaka mwana yemwe ali ndi zaka zoposa 21, yemwe ali wakhungu, kapena yemwe ali ndi chilema chokhalapo nthawi yayitali, amakhala m'nyumba, palibe malire . Malo okhalawo sali owerengedwa kukulandila kwanu mosasamala mtengo wake.
Pomwe ndalama zowonongera panyumba zikupita, sizodabwitsa kuti Medicaid ikufuna kubwezera ndalama kudzera mu Dipatimenti Yowonzanso Nyumba ya Medicaid . Ngati vutoli limatha, Medicaid imakhala ndi ufulu wofuna kubwezera malipiro kudzera mu malo awo, koma kachiwiri, pali zotetezedwa. Mayiko sakuloledwa kubwezeretsa ku malo omwe amapindula nawo pamene apulumuka ndi mkazi wawo, mwana wosakwana zaka 21, kapena mwana wakhungu kapena wolemala .
Mawu Ochokera
Pali zambiri zowonjezera mkazi wanu kumudzi wosungirako okalamba kuposa kugwiritsa ntchito Medicaid. Ndipotu, katundu wanu, osati okhawo a mzanu, amadziwa ngati ali oyenerera kapena ayi. Ngati mumadalira ndalama za mnzanu, kodi zimenezi zimakutengera kuti? Tsogolo lanu lachuma lingakhale pangozi. Ndibwino kuti muyankhule ndi katswiri wa zamalamulo omwe makamaka mwapadera mu Medicaid ndikudziwa momwe mungatetezere bwino katundu wanu.
> Zotsatira:
> 1396r-5. Kuchiza kwa Zopeza ndi Zowonjezera kwa Amuna Ena Omwe Akhazikitsidwa. Ofesi Yofalitsa Boma. https://www.gpo.gov/fdsys/pkg/USCODE-2010-title42/pdf/USCODE-2010-title42-chap7-subchapXIX-sec1396r-5.pdf. Lofalitsidwa pa February 8, 1988.
> 2017 SSI ndi Maukwati Amphamvu Osauka. Medicaid.gov. Chiwongoladzanja Idasinthidwa pa January 1, 2017.
> Home Nursing Ndalama ndi State. SkilledNursingFacilities.org webusaitiyi. https://www.skillednursingfacilities.org/resources/nursing-home-costs/.
> Kugonana kwapabanja. Medicaid.gov. https://www.medicaid.gov/medicaid/eligibility/spousal-impoverishment/index.html.
> Akazi okwatirana a Medicaid Omwe Amalandira Nthaŵi Zonse. Ofesi ya Wothandizira Wotsogolera Kukonza ndi Kufufuza; Dipatimenti ya Zaumoyo ya Ukhondo ku United States. https://aspe.hhs.gov/basic-report/spouses-medicaid-long-term-care-recipients.