Kulemala ndi kuyembekezera kwa nthawi yayitali kumafunika kuti alembedwe ku Medicare oyambirira
Medicare sidzapezeka kwa ambiri a ife mpaka titakwanitsa zaka 65, koma kwa anthu ena-omwe ali ndi zolemala za nthawi yaitali kapena omwe apezeka ndi matenda ena- Medicare alipo pa msinkhu uliwonse. Zili zovuta kupeza.
Kulemala Kwambiri Kuli ndi Matenda Aakulu Amafunika SSDI Choyamba
Ngati mungathe kukhazikitsa kuti mukuvutika ndi kulemala kwa nthawi yayitali zomwe zimakulepheretsani kugwira ntchito, mukhoza kulandira malipiro a ndalama za Social Security Disability Inshuwalansi (SSDI) pamwezi uliwonse, zomwe zidzakupatseni mwayi wa Medicare.
Komabe, ikhoza kukhala nthawi yayitali ndipo ngakhale mutalandira ma SSDI, mudzakhala ndi nthawi yaitali kuyembekezera kuti Medicare isapindule.
Pempho lopindula la umoyo limayamba ndi kugwiritsa ntchito pa intaneti. Kuti muyambe kulingalira, muyenera kuti mwakhala mukugwira ntchito maola okwanira kuti mutha kupeza mwayi wothandizidwa ndi Social Security, kapena kukhala wokwatirana kapena wodalira munthu wina amene ali nawo.
Tanthauzo la Wolumala
The Social Security Administration (SSA) ili ndi tanthauzo lolimba laumphawi. Kuti mupeze olemala, zotsatirazi ziyenera kukhala zoona:
- Muyenera kulephera kuchita ntchito iliyonse yayikulu chifukwa cha matenda anu; ndi
- Matenda anu ayenera kukhala, kapena akuyembekezerani kukhala osachepera chaka chimodzi, kapena kuyembekezera kuti mumwalira.
Mmene Mungayambitsire SSDI Ntchito Yanu
Mapulogalamu anu a SSDI akhoza kupita mofulumira ngati mutasankha dokotala mmodzi ngati wotsogoleredwa ndi mlandu wanu.
Ndi bwino kupita ndi yemwe ali ndi vuto la zolemala, amayankha mwamsanga kuzipempha zadzidzidzi, ndipo amadziwa bwino zaumoyo wanu wonse.
Ndimalingaliro abwino kusunga ndondomeko ya zochitika zanu tsiku ndi tsiku kuti muzilemba, mwachitsanzo, mavuto omwe muli nawo ndi kuyenda kapena zotsatira zina zomwe mukukumana nazo ndi mankhwala.
Izi zidzakuthandizani mukadzayankhulana ndi woimira ku Social Security. Kuyankhulana kungakhalepo pa foni kapena payekha ku ofesi ya Social Security.
Webusaiti ya SSA imapereka zosavuta kugwiritsa ntchito Disability Starter Kit yomwe imaphatikizapo FAQs, mndandanda, ndi tsamba lothandizira kukonzekera kuyankhulana kwanu. Mukhoza kupulumutsa theka la nthawi yofunsidwa ngati mutadzaza zofunikira pa intaneti musanakonzekere.
SSA imati ntchito zambiri zimakonzedwa mkati mwa miyezi itatu kapena isanu. Kwa ambiri opempha, Komabe, kuyembekezera kwa Medicare kumapindulitsa kumangoyamba, ngakhale ntchito yawo itavomerezedwa.
Nthawi Zodikira za Medicare Coverage
Malingana ndi lamulo, malipiro anu SSDI sangayambe mpaka mutakhala olumala kwa miyezi isanu yokwanira. Malipiro anu amayamba ndi mwezi wanu wachisanu ndi chimodzi wolemala. Ndipo, ngati mwavomerezedwa kwa SSDI, muyenera kuyembekezera zaka ziwiri zotsatila nthawiyo kudutsa chithandizo cha Medicare kuti chiyambe.
Medicare Eligibility
Pamene Medicare ikuyambitsa iwe uyenera kulandira Medicare Part A - Kuphunzira kwapakhomo ndi akuyamwitsa kunyumba-ndi Medicare Part B -kuyendera madokotala ndi maulendo opita kuchipatala. Mudzalandira makadi a Medicare mu makalata miyezi itatu isanakwane mwezi wanu wa 25 waumalempha.
Ngati simukufuna Medicare Part B, mukhoza kutumiza khadi. Mukasungira khadi, muzisunga Gawo B ndipo mudzalipira malipiro a Part B.
Muyeneranso kulandira mankhwala a Medicare Part D. Mukhoza kulumikizana ndi gawo D mu miyezi itatu isanakwane miyezi itatu mutatha mwezi wanu wa 25 wolemala.
Mapiri a Medigap
Lamulo la boma silikufuna inshuwalansi zapadera kuti agulitse inshuwalansi ya Medigap -mtundu wa chithandizo chomwe chimapereka ndalama zothandizira ndi ndalama zomwe sizinalipiritsidwe ndi Medicare-kwa anthu osachepera 65, ngakhale ali olumala.
Komabe, mayiko 30 amafuna makampani a inshuwalansi kuti akugulitseni malingaliro a Medigap ngati muli ndi Medicare ndipo muli ndi zaka 65, ngakhale kuti pali malire ena omwe mulipo ndipo pali malamulo osiyanasiyana kwa anthu omwe ali ndi mapeto a impso (impso kulephera).
Lankhulani ndi bungwe lanu la inshuwalansi la boma kuti mudziwe ngati dziko lanu liri ndi zofunika za Medigap ndi kuti mudziwe malamulo omwe akugwirani ntchito.
Matenda a Medicare Odwala Matenda a Lou Gehrig kapena Mapeto a Kutha Kwachisawawa
Ngati muli ndi zaka zoposa 65 ndipo mwapezeka kuti muli ndi amyotrophic lateral sclerosis (ALS), yomwe imadziwikanso ndi matenda a Lou Gehrig, mutha kutenga Medicare Part A ndi Part B mwezi wanu phindu lanu lopumala liyamba (pamapeto pake miyezi isanu ya kuyembekezera zopindulitsa).
Ngati mukudwala dialysis chifukwa cha matenda opatsirana pogonana (ESRD), chithandizo chanu cha Medicare chimayamba tsiku loyamba la mwezi wachinayi wa mankhwala ochepetsa dialysis. Zindikirani kuti mapulani a Medicare Advantage kawirikawiri sapezeka kwa anthu oposa 65 omwe akulembera Medicare chifukwa cha ESRD, koma mukhoza kulowetsa Medicare Special Needs Plan ngati pali malo amodzi.
Mmene Mungapezere Matenda Akumayambiriro kwa ESRD
Mankhwalawa angayambe mwezi woyamba wa dialysis ngati mutakumana ndi mavuto awa:
- Mukuchita nawo pulogalamu ya maphunziro a dialysis yoperekedwa ndi malo ophunzitsidwa ndi Medicare omwe akuvomerezedwa kuti akuphunzitseni momwe mungadzipatsire mankhwala ochepetsa dialyse kunyumba.
- Dokotala wanu akuyembekeza kuti mutsirizitse maphunziro komanso kuti muzichita zochizira zanu.
- Muchita dialysis yanu nthawi zonse mkati mwa miyezi inayi yomwe mungafunikire kuyembekezera kuti muyambe kuyambira.
Kugwirizana ndi Mapulogalamu Opezekapo
Ngati muli ndi abambo omwe amalandira chithandizo cha inshuwalansi ndi ogwirizanitsa mgwirizanowo ndipo mutha kukhala oyenera ku Medicare chifukwa cha matenda obwera chifukwa cha matendawa, Medicare idzagwirizana ndi momwe mulili panopa kwa miyezi 30. Panthawi imeneyo, inshuwalansi yanu yachinsinsi idzakhala yanu yaikulu, ndipo Medicare idzatenga gawo la ndalama zotsala. Kumapeto kwa miyezi 30, poganiza kuti muli ndi chitukuko pansi pa dongosolo la thanzi lanu, lidzakhala lachiwiri kulengeza ndipo Medicare idzakhala yoyamba.
> Zotsatira:
> ALS Association. Medicare Information.
> Magulu a Medicare ndi Medicaid Services. Kuphimba kwa Dialysis ya Impso ndi Mapulogalamu Opatsirana Kukhudza Impso . Idasinthidwa July 2017.
> Medicare.gov. Ndili ndilemala.
> Medicare.gov. Nanga bwanji nditakhala ndi matenda otchedwa renal disease (ESRD)?
> Social Security Administration. Zimene Mukuyenera Kudziwa Musanayambe Kupempha Malangizo Olemala Okhudzidwa .