Mmene Mungagwiritsire Ntchito Inshuwalansi Yopumitsa Bungwe la Social Security kuti Mupeze Medicare

Kuyenerera kwa Medicare Mosasamala za Zaka

Osati aliyense amene amapita ku Medicare ali ndi zaka 65 kapena kuposa. Pulogalamuyi imapezeka kwa anthu omwe ali aang'ono ngati ali ndi zolemala . Anthu omwe ali ndi amyotrophic lateral sclerosis (ALS) , omwe amadziwikanso ndi matenda a Lou Gehrig, amadziwika bwino, komanso anthu omwe ali ndi matenda obisala , omwe amatanthauza kuti akufunikira dialyse kapena kupatsirana kwa impso, ali oyenerera ngati alipira msonkho wokwanira. Komabe, anthu ambiri olumala amayenerera Medicare pogwiritsa ntchito Social Security Disability Inshuwalansi (SSDI). Kodi ntchito ya SSDI ikugwira ntchito bwanji ndipo mungagwiritse ntchito bwanji?

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Pezani Ngati Mukuyenera Kulemala kwa Anthu

Onetsetsani kuti mukukwaniritsa zofunikira zinayi izi kuti mukhale oyenerera pulogalamu ya Social Security Disability Insurance (SSDI).

1. Pezani Zokwanira Zogwira Ntchito

The Social Security Administration (SSA) ndiye amagwiritsa ntchito ngongole za ntchito kuti asankhe ngati mukukumana ndi zofunikira. Kwa 2017, ngongole imodzi yogwira ntchito ikufanana ndi $ 1,300 pamalipiro a msonkho kwa chaka ndi zolemba zinayi zokwana madola 5,200. Simungapeze ngongole zoposa zinayi pachaka.

Chiwerengero cha ntchito zomwe mukufunikira kuti muyenerere SSDI chagawanika kukhala magawo atatu:

• Wakalemba 24 ndi wamng'ono: Mukufunikira zolemba zisanu ndi chimodzi za ntchito zaka zitatu zisanayambe kulumala kwanu.
• Zaka 24 mpaka 31: Mukufunikira kothandizidwe ka ntchito chaka chilichonse pakati pa 21 ndi chaka chilema chanu chinayamba.
• Zaka 31 ndi zapakati: Mukufunikira ndalama zoposa 20 za ntchito (kwa zaka 31 mpaka 42) m'zaka 10 zomwe zimangopititsa patsogolo kulumala kwanu ndi ndalama zokwana 40 (kwa iwo 62 ndi apamwamba) Zaka khumi usanayambe ubwana wako.

Mfundo yopindulitsa: Kumbukirani kuti ntchito iliyonse imene mudagwira ntchito "pansi pa tebulo" sichiwerengera kufunika kwa SSA ntchito ya ngongole ya ntchito chifukwa misonkho sankalipira.

2. Pezani malire a malipiro

Muyenera kupeza ndalama zochepa kuposa mwezi uliwonse mwezi uliwonse. Kupeza zambiri kumatanthawuza kuti mukhoza kuchita "ntchito yopindulitsa kwambiri" ndipo sali olumala pamaso pa SSA. Mu 2017, malipiro a mwezi uliwonse ndi $ 1,170 ($ 1,950 ngati muli akhungu).

3. Onetsetsani kuti muli ndi Wolumala

Muyenera kukhala ndi zolemala zamaganizo, zamaganizo kapena zamthupi, zomwe zikuyembekezeka kukhalapo kwa chaka chimodzi. Bungwe la Social Security Administration lidzapempha zolemba zachipatala kuphatikizapo zolemba zothandizira kuchokera kwa dokotala wanu monga umboni wa kulemala.

4. Onetsani kuti kulemala kwanu kuli kovuta

Kulemala kwachipatala kuyenera kukhala kwakukulu kwambiri kuti kuwononge mphamvu yanu yogwira ntchito yanu yamakono kapena yapitayi. Kukwanitsa kugwira ntchito mwachindunji malinga ndi msinkhu wanu, maphunziro ndi msinkhu wamaluso kungabweretse chilango chotsutsa cha SSDI.

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Sonkhanitsani Uthenga Wothandizira Kutenga Kwanu Kwanu

Musanayambe kuitanitsa SSDI, muyenera kusonkhanitsa uthenga. Izi zidzakuthandizani kuti muzitsirize molondola ntchito yanu. Nazi zomwe mukufuna pa dzanja.

1. Zikalata za zolemba zanu zachipatala zokhudzana ndi kulemala
2. Mapepala a Zopereka Zothandizira Ogwira Ntchito, ngati zingatheke
3. Mndandanda wa matenda anu
4. Mndandanda wa mankhwala anu
5. Mndandanda wa mayesero a zachipatala okhudzana ndi kulemala ndi masiku ogwira ntchito
6. Mndandanda wa madokotala ndi akatswiri ena a zamankhwala omwe adakuchitirani miyezi 12 yapitayi ndi nthawi yamtumiki, maadiresi a ofesi, ndi manambala a foni
7. Fomu yomasulidwa yachipatala kuti mulole marekodi anu azachipatala atumizedwe ku Social Security Administration
8. Mbiri ya Yobu pazaka 15 zapitazo pofotokoza ntchito za ntchito
9. Mayina ndi tsiku la kubadwa kwa mwamuna kapena mkazi wanu, wakale ndi wamakono
10. Maina ndi tsiku la kubadwa kwa ana aang'ono
11. Madeti a maukwati ndi kusudzulana
12. Zogwiritsira ntchito Bungwe za tsogolo lanu la Social Security checks, ngati likuvomerezedwa kulemala
13. Mauthenga ophatikizana kuphatikizapo dzina, adiresi ndi nambala ya foni kwa wina yemwe akukudziwani ndi kukuthandizani ngati mutchulidwa

Mfundo yopindulitsa: Mungafune kufunsa dokotala wanu kopi ya zolemba zanu kuti mudziwonetse nokha musanayambe ntchito. Ngati mukumva kuti palibenso chidziwitso chokwanira chofotokozera matenda anu, mukhoza kupempha ofesi. Mudzafuna dokotala kuwonjezera chidziwitso chofunikira ngati gawo la ulendo woyang'anizana ndi maso m'malo moyitana foni. Kufufuza mwatsatanetsatane kawirikawiri ndimene kumafunikira kulimbitsa chidziwitso cha SSDI.

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Lembani Ntchito Yanu ya SSDI

Mukamasonkhanitsa mfundo zanu, mutha kugwiritsa ntchito ma benefiti a SSDI. Izi zikhoza kuchitika m'njira zitatu.

1. Mwamunthu. Pitani ku ofesi ya Social Security yanu ndipo muzitha kuyankhulana nawo ndi woyimira Social Security.
2. Pa foni. Lembani ntchito yanu pafoni pa 1-800-772-1213. Oimira Chitetezo Chachikhalidwe akupezeka Lolemba mpaka Lachisanu 7: 7 mpaka 7 koloko Eastern Standard Time kuti akuthandizeni.
3. Online. Mapulogalamu amapezeka pa webusaiti ya Social Security. Mukhoza kusunga mapulogalamu anu pamene mukupita ndikukwaniritsa pazomwe mukufuna.

Chothandizira chothandiza: Kugwiritsa ntchito kumatenga nthawi, kwa maola awiri kapena awiri malinga ndi zovuta zanu. Onetsetsani kuti mupatula nthawi yokwanira kuti muzitha kugwiritsa ntchito bwino.

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Pangani Chigamulo Ngati Nkhani Yanu ya SSDI ikana

Zingatenge Social Security Administration (SSA) miyezi itatu kapena isanu kuti avomereze kapena kukana pempho lanu, lalifupi ngati matenda anu ali pamndandanda wa Compassionate Allowance Conditions. Mndandanda wa mndandandanda wa mndandandawu mwachidziwikire umayenera kukhala ndi nthawi yochepa ya moyo komanso zosowa zapamwamba za zachipatala.

Ngati ntchito yanu inatsutsidwa pa chifukwa chilichonse, mungasankhe kupempha chigamulocho. Mu 2016, anthu oposa 2.3 miliyoni anagwiritsa ntchito SSDI, koma 32 peresenti ya milandu inavomerezedwa chaka chimenecho.

Pali maulendo anayi apadera. Ngati pa mulingo uliwonse mulandu wanu wololedwa, ndondomekoyi ikuyima pamenepo.

1. Kuwonanso. Pankhaniyi, pempho lanu lidzayankhidwa kachiwiri ndi gulu latsopano la anthu pa bungwe la boma.
2. Kumva ndi woweruza milandu yamalamulo. Woweruza yemwe sanagwirizane ndi ndemanga zanu zisanachitike adzayang'ana mlandu wanu. Mukhoza kubweretsa mboni kumvetsera kuti awonjezere umboni m'malo mwanu. Nthawi zambiri kumvetsera pamakhala munthu koma kungachititsenso pafoni ngati kuli kofunikira.
3. Bwerezani ndi bungwe la Social Security Appeals Council. Bungwe Loona za Ufulu Wosankha limasankha kapena ayi kuti mudzamve mlandu wanu mutatha kuwona zotsatira kuchokera kumvetsera kwanu. Akhoza kubwereza mlandu wawo kapena kubwezeretsanso kumvetsera ndi woweruza wachiwiri woweruza.
4. Bungwe la Federal Court liwonenso. Njira yomaliza ndiyo kufalitsa milandu ndi khoti la federal.

Mfundo yothandizira: Ngati mlandu wanu wakanidwa pa msinkhu uliwonse, mungafunikire kulimbitsa mlandu wanu. SSA ili ndi zofunikira zenizeni, ndipo nthawi zambiri, zolemba zambiri zachipatala zimafunika kuti zisonyeze kufooka kwanu. Mukhoza kuganizira kaye kafukufuku wa zachipatala, mwachitsanzo, kuyesedwa kwa dokotala yemwe ali ndi zodziŵika mu ndondomeko ya zopempha ndipo angapange mayeso ogwira ntchito omwe amakwaniritsa zofuna za SSA.

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Momwe Mungakhalire ndi Nthawi Yotani pa Medicare

Mukavomerezedwa ku SSDI, muli panjira yopita ku Medicare . Malingana ngati SSDI yanu sichichotsedwe pamtundu wina uliwonse, mutha kulembedwa ku Medicare Part A ndi Part B pamwezi wanu wa 25 wotsatizana ndi SSDI. Payimenti yanu idzachotsedwa mwachindunji ku chitsimikizo chanu cha SSDI.

Muyenera kugwiritsa ntchito dongosolo la Medicare Part D, mwachitsanzo nokha, dongosolo la mankhwala osokoneza bongo, nokha.

Ganizirani mosamala musanapange zosankha zanu kuti muchepetse Medicare pamene muli SSDI. Ngakhale mukuganiza kuti njira ina yathanzi idzakuwonongerani ndalama zochepa zomwe mumapereka pachaka kapena mwezi uliwonse, izi sizidzakuthandizani chifukwa:

1. Ngati mukukana Medicare Part A, mudzataya mwayi wonse wa Social Security , kuphatikizapo SSDI yanu.
2. Ngati mumasunga Medicare Part A koma mumachepetsa Medicare Part B, simukuyenera kulandira inshuwalansi yathanzi, mwachitsanzo, kuchokera ku Health Insurance Marketplace kapena kampani ya inshuwalansi. Zotsutsana ndi lamulo chifukwa cha malonda awa kugulitsa kapena kugulitsa kwa odwala omwe amagwira ntchito a Medicare.

Ndemanga yothandiza: Sikuti mungangowonongeka ndi kupindula kwa SSDI ndi phindu lanu panthawi yomwe mutha kusiya Medicare, koma mutaya mwayi wopezeka kuchipatala chokwera mtengo. Makhalidwe a nthawi yaitali a zachuma ndi ochuluka.

> Zotsatira:

> Lipoti la Pulogalamu Yakale ya Inshuwalansi Yopezeka ku Inshuwalansi Yopanda Thandizo, 2011 - Zotsatira za Mapulogalamu Opindula Olemala. Webusaiti ya Social Security Administration. http://www.ssa.gov/policy/docs/statcomps/di_asr/2011/sect04.html.

> Mapindu Okonzekera: Credits Social Security. Webusaiti ya Social Security Administration. https://www.ssa.gov/planners/credits.html.

> Makalata Othandizira Ogwira Ntchito Olemala ndi Kalendala Chaka, Quarter, ndi Mwezi. Webusaiti ya Social Security Administration. https://www.ssa.gov/oact/STATS/dibStat.html.

> SEAK National Examines Medical Examiners . https://www.imenet.com/content/imedir.pdf.

> Ntchito Yopindulitsa Yopambana. Webusaiti ya Social Security Administration. https://www.ssa.gov/oact/cola/sga.html

Mawu ochokera

Sikuti olemala onse amakupatseni inshuwalansi yothandizira anthu (SSDI), koma SSDI ikukuthandizani kuti mukhale ndi Medicare. Kugwiritsa ntchito SSDI kungakhale nthawi yambiri, koma kungakhale kopindulitsa ngati mukusowa. Phunzirani momwe mungapititsire pang'onopang'ono pang'onopang'ono ndikupewa njira iliyonse.