Njira Yowunika
Matenda a nyamakazi ndi chimodzi mwa zifukwa zomwe zimayambitsa ubongo. Kodi munthu wodwala matenda a nyamakazi amatha bwanji kulandira ubwino wolepheretsa anthu kukhala ndi umoyo wabwino? Malingana ndi Jim Allsup, Social Security Administration imagwiritsa ntchito njira yotchedwa sequential assessment kuti adziwe omwe adzalandira mapindu olemala. Bambo Allsup ndi Purezidenti ndi CEO wa Allsup Inc. Kuyambira mu 1984, Allsup amati bungwe lake liri ndi:
- zathandiza bwino anthu opitilira 100,000 kudziko lonse kulandira mapindu awo olemala.
- anapindula phindu la 97%.
Odwala omwe athandizidwa ndi Allsup kawirikawiri amadwala matenda a rheumatic ndi matenda ozunguza mafupa monga:
- osteoarthritis
- nyamakazi ya nyamakazi
- lupus
- fibromyalgia
5 Njira Zowunikira Mapindu Olemala
Kodi ndondomeko yotani yomwe ikugwiritsidwa ntchito pofuna kulandira mapindu olemala? Bambo Allsup akufotokoza njira zisanu zotsatirazi:
Gawo 1: Kodi Mukugwira Ntchito?
Gawo 1 limangosankha ngati munthu "akugwira ntchito," malinga ndi ndondomeko ya Social Security Administration. Kupeza zochuluka kuposa Ntchito Yopindulitsa Yomweyi imakhala mwezi umodzi ngati wogwira ntchito ndi okwanira kuti asalandire kulandira thandizo laumphawi wa Social Security.
Gawo 2: Kodi Mkhalidwe Wanu Ndi Wovuta?
Gawo 2 limasonyeza kuti vutoli liyenera kukhala lokwanira kwambiri kuti athe kuchepetsa luso lanu lochita ntchito yofunikira kuti muyenerere .
Kuonjezera apo, vutoli liyenera kukhalapo, kapena kuyembekezera kuti likhalepo, kwa nthawi yopitirira miyezi yosachepera 12.
Khwerero 3: Kodi Mkhalidwe Wanu Ndi Wofooka?
Khwerero 3 limafunsa ngati vutoli likumana kapena likufanana ndi mankhwala. Bungwe la Social Security Administration limaphwanya thupi kulowa mu machitidwe akuluakulu 13 kapena mndandanda.
Zina mwa machitidwe 13wa ndi mitundu yoposa 150 ya mankhwala omwe, malinga ndi Social Security Administration, ali ovuta kuti athetse munthu kuchita ntchito iliyonse.
Matenda a nyamakazi amaganiziridwa pansi pa Musculoskeletal Body System ndipo ali ndi mndandanda wa zolemba zamankhwala kapena magulu.
Kutupa kwa Arthritis
Kuti akwaniritse ndondomekozi, munthu amene ali ndi nyamakazi yotupa (monga matenda a rheumatoid ) ayenera kukhala ndi kutupa, kupweteka komanso kuchepetsa ziwalo monga:
- m'chiuno
- mawondo
- ankles
- mapewa
- mphutsi
- mawonekedwe ndi manja
Matenda a Matenda Odzichepetsa
Anthu omwe ali ndi nyamakazi yotupa (osteoarthritis) amakwaniritsa zofunika ngati ali ndi malire akuluakulu pogwiritsa ntchito manja / manja awo kapena kukhala ndi vuto lalikulu kuyimirira ndi kuyenda. Anthu omwe ali ndi mavuto aakulu kumbuyo kapena m'mitsempha chifukwa cha njira zowonongeka ayenera kukhala ndi zowonjezereka, zowonongeka ndi kutayika kwa magalimoto kuti akwaniritse zofunikira zowonjezera.
Zinthu Zosalemba
Komabe, ngati nyamakazi ya munthu sakhutira ndondomeko ya zamankhwala, Social Security Administration ikupitirizabe kuntchito ziwiri zotsatira kuti muwone ngati munthuyo angakhale woyenerera kulandira ubwino wolemala. Pazigawo ziwiri zotsatira:
- Bungwe la Social Security Administration likuyang'ana makamaka momwe zolepheretsa ndi zizindikiro zomwe zimayambitsa matenda a nyamakazi zimakhudza mphamvu ya munthu kugwira ntchito.
- Bungwe la Social Security Administration limawonekera makamaka pa zotsatira zokhudzana ndi ntchito zokhudzana ndi matenda a nyamakazi.
Khwerero 4: Kodi Mungagwire Ntchito Yomwe Mudagwira Kale?
Gawo 4 limafufuza momwe munthu angathe kuchita ntchito yomwe adachita kale ngakhale kuti ali ndi vuto. Ngati Social Security Administration ikupeza kuti munthu angathe kuchita ntchito yake yapitayi, zopindula zimatsutsidwa. Ngati munthuyo sangakwanitse, ndiye kuti ndondomekoyi ikufika pachisanu ndichinayi.
Khwerero 5: Kodi Mungagwire Ntchito Yina Yonse?
Gawo 5 limatsimikizira ntchito ina, ngati ilipo, munthuyo akhoza kuchita. Bungwe la Social Security Administration likuyang'ana:
- zaka
- maphunziro
- kazoloweredwe kantchito
- thupi / maganizo
Kuti adziwe kulemala, Social Security Administration ikuthandizira malamulo a ntchito, omwe amasiyana malinga ndi msinkhu. Mwachitsanzo, ngati munthu ali:
- Pakati pa zaka 50 ndipo, chifukwa cha zizindikiro za nyamakazi, sangathe kuchita zomwe Social Security Administration ikuyitanira kuti ikhale ntchito, ndiye Social Security Administration idzadziwitsa anthu olumala. Ntchito yopanda ntchito imafuna kuthekera kukweza mapaundi 10 pa nthawi imodzi, kukhala maola asanu ndi limodzi ndikuyenda nthawi zina ndikuima maola awiri pa ola la maora asanu ndi atatu.
- Ali ndi zaka 50 kapena kuposerapo ndipo, chifukwa cha kulemala kwake, amalephera kugwira ntchito yokhala pansi koma alibe maluso ogwirizana ndi ntchito omwe amamulola kuchita zimenezo, Social Security Administration idzatsimikiza kuti ali ndi olumala.
- Ali ndi zaka 60 ndipo, chifukwa cha kulemala kwake, sangathe kuchita ntchito iliyonse yomwe adachita m'zaka khumi zapitazi, Social Security Administration idzafika pozindikira kuti ali ndi olumala.
- Ukalamba uliwonse ndipo, chifukwa cha nyamakazi, imakhala ndi vuto la maganizo lomwe limalepheretsa ngakhale ntchito yophweka, yopanda luso, Social Security Administration idzayendetsa anthu olemala.
Mavuto Ogonjetsa Ubwino Wokulemala
Anthu oposa 1 miliyoni amapereka madalitso opindula ndi Social Security Administration chaka chilichonse.
- Nkhani yoipa ndi yakuti, pafupifupi awiri pa atatu omwe amapempha zopindulitsa adzakanidwa.
- Uthenga wabwino ndi wakuti, chithandizo cha akatswiri chilipo kuti chithandize pa ndondomekoyi ndikukonzekera zovuta zanu kuti mupambane mlandu wanu.
Inshuwalansi yopezeka kuumphawi
Ulemala waumphawi ndi pulogalamu ya inshuwalansi yolipira msonkho wa FICA.
Amwenye onse ogwira ntchito akupereka ndalama zokwana 7.65 peresenti kwa ndalama zonse ku Federal Insurance Contributions Act (FICA) msonkho.
Pansi pa Federal Insurance Contributions Act, msonkho wa FICA wokwana 15.3 peresenti ya ndalama zomwe munapeza. Chiwerengero cha 12,4 peresenti ya ndalama zomwe munapeza (mpaka malire a pachaka) amalipidwa mu Social Security, ndipo 2,9 peresenti ya ndalama zanu (popanda malire) amalipidwa ku Medicare. Ngati muli antchito, mumalipira theka la msonkho wa FICA (6.2 peresenti ya Social Security + 1.45 peresenti ya Medicare kwa chiwerengero cha 7.65 peresenti), bwana wanu amapereka zina 7.65 peresenti. Anthu omwe amagwira ntchito paokha amapereka 15.3 peresenti.)
Zina mwa malipiro amenewa amapita ku inshuwalansi yolemala ndi Social Security Administration. Komabe, mavuto ovomerezeka a boma omwe akutsutsana ndi ndondomeko ya Inshuwalansi ya Disability Insurance nthawi zambiri amateteza kugawa mofulumira komanso kofulumira kwa anthu omwe ali oyenerera.
Mavuto Pakugwiritsa Ntchito Zopindulitsa Zowonjezera
Ngati mwasankha kugwiritsa ntchito zopindulitsa nokha, pali mavuto angapo omwe mungakumane nawo monga:
- Zotsatira za zonena za kulemala zomwe sizinachitike.
- Pakapita miyezi isanu ndikudikirira mutangotenga mayankho musanalandire yankho pa chiyeso choyambirira, ndipo pafupifupi chaka cha kuchedwa kwina ngati chigamulo chikudandaula.
- Milandu yokhudzana ndi kulemala kuyembekezeredwa, ndi milandu mazana ambiri yomwe ikubwera kudzawerengedwanso chaka chilichonse.
Kodi Mukufunikira Kuimira?
Ngakhale kuti poyamba zinalengedwa kuti zikhale zophweka kuti anthu adziyimire okha, sizinatengere nthawi yaitali kuti alangizi ndi oimira kuti alowe nawo muchitidwe wolemala. Kuyimilira mu vuto lachisungiramo chachitetezo chaumoyo kungakhale lofunika kuyambira:
- kuphunzira zambiri za dongosolo kungakhale kovuta.
- malamulo ali ovuta kwambiri.
- akatswiri amadziwa zambiri za ndondomekoyi.
- akatswiri angapangitse kuti musamapindule nazo.
N'chifukwa Chiyani Muyenera Kupempha Malangizo Olemala?
Ndichifukwa chiyani ndikuyenera kupempha zopindulitsa za Social Security ngati bwana wanga kapena kampani ya inshuwalansi akulipira kale?
Anthu omwe sadziwa yankho la funso limeneli ndi osasintha okha. Ndipotu olemba ntchito omwe sadziwa kuti ali ndi mwayi wotetezedwa ndi anthu, amawagwiritsira ntchito phindu lalikulu la antchito awo olemala kusiyana ndi zofunikira.
> Zotsatira:
> Allsup Inc
> Publication IRS 15; Social Security Administration