Kupa Kwevashandi
Vashandi vanokuvadzwa kana kurwara pamabasa vanofukidzwa nemitemo yevashandi vehurumende. Munyika yose, vashandi vanofanirwa kuva nevhudziro remari yveshuwarenzi , kunyange kune zvishoma zvingabhadharwa. Zvikomborero zvinosanganisira kubhadhara mibairo yakarashika uye kubhadhara mari yezvemari.
Zvisinei, iwe unongobhadharwa chikamu (kazhinji kechipiri chetatu) chemari yako. Nhanho yekutanga mukuisa zvinyorwa ndeyokuzivisa vashandi vako. Washandi wako anofanira kukwanisa kukupa mafomu aidiwa kufereta kudai. Kana vasingagoni, taura neHurumende yeVashandi 'Compensation Office pakarepo.
Disability Inishuwarenzi
California, Hawaii, New Jersey, New York, uye Rhode Island vane mapurogiramu ekuremara ane hurumende. Aya mapurogiramu anowanzopfupika kwenguva pfupi, uye kubatsirwa kwaunoita kwakaderera. MuNew York, somuenzaniso, vhiki yekubatsira kwevhiki yega yega yega 50% yemuvhareji wevashandi wevhiki rimwe nerimwe, kusvika ku $ 170 kwemavhiki makumi maviri nemaviri.
Vashandi venyu, vose vari mumatunhu aya uye mune dzimwe nyika, vanogonawo kupa zvipo zvekuremara kuwedzera. Saka, kana iwe usingakwanisi kushanda, danho rako rokutanga rinofanira kunge riri kubvunza kuti ndeyepi inshuwarisi yako yaunoshandira. Kana iwe uine kuvhara kwako pachako, isa fodya nekambani ye inshuwarisi pamwe chete.
Kana iwe usina hurumende kana mushandi-based based coverage, funga kutenga unishuwarenzi yehurema paunenge uine hutano. Chokutanga, chengetedza nevashandi vako kuti vaone kuti chii chavanopa, ipapo bvunza kana iwe unogona kutenga supplemental coverage. Cherechedza kana zvikomborero zvaunowana zvichave zvakakwana kuti uchengetedze mararamiro ako muchiitiko chekuremara kusingatarisirwi.
Kana vasina, funga kutenga unhu hwehutano hwehurema hwehurema.
Social Security Kuremara
Kuti uwane rubatsiro, iwe unofanira kutanga wakashanda mumabasa akafukidzwa neSocial Security. Zvino iwe unofanirwa kuva nehutano hunosangana neHarare Social's definition rekuremara. Pakawanda, mari yepamwedzi yemari inobhadharwa kune vanhu vasingakwanisi kushanda kwegore kana kupfuura nekuda kwekuremara.
Maererano neSocial Security Administration, zvinotevera zvinokanganisa zvinogona kukodzera munhu wekuchengetedzwa kwehupfumi hwevanhu :
- Matambudziko e musculoskeletal system.
- Manzwi anokosha nekuremara kwekutaura, kusanganisira kurasikirwa kwemaonero, kunzwa, uye kutaura.
- Matambudziko okuputika sezvakaita asthma, cystic fibrosis, uye kusingaperi kwepemonta yeropa.
- Kuora mwoyo kwepfungwa kunokonzera kushanda kwakanaka kwomwoyo kana kubuda kwemhepo.
- Kugadzirisa zvirwere zvinosanganisira zvironda zvekushaya ropa, chiropa chisingaiti, chirwere chinoputika uye chirwere chemafupa.
- Matambudziko eGenitourinary anokonzera kushanda kwepfungwa uye anoita kuti zvirwere zvisingagumi zvepfungwa zvirwere.
- Matambudziko epakematongerwo enyika anosanganisira zvirwere zvinouraya zvakadai se-lymphoma, leukemia, multiple myeloma, uye kusina kenza kufanana nehuprombose uye hemostasis.
- Kushungurudzwa kweganda kufanana ne ichthyosis, zvirwere zvinorwara, zvirwere zvisingaperi zveganda kana mucous membrane, dermatitis, hidradenitis suppurativa, zvirwere zvemazamu uye zvinopisa.
- Matambudziko eDokocrine anosanganisira zvirwere zvinorwisa pituitary, thyroid, parathyroid, adrenal, uye pancreas glands.
- Congenital disorders iyo inokanganisa zvirongwa zvakawanda zvemuviri.
- Matambudziko eurourological like parkinsonian syndrome, benign brain tumors, cerebral palsy, marwadzo emusana, uye multiple sclerosis.
- Zvinetso zvepfungwa zvinosanganisira schizophrenia spectrum, zvinokonzera bipolar, kuzvidya mwoyo uye zvinokanganisa-zvinokonzera kusagadzikana, uye zvinetso zve autism spectrum.
- Cancers - zvirwere zvinouraya neoplastic.
- Immune system disorders dzinosanganisira zvirwere zvekudzivirira uye zvirwere zvekudzivirira muviri.
Basa racho rinotora mazuva 60 kusvika ku90. Zvadaro pane mwedzi mitanhatu yekumirira musati watora kukoka.
Nguva uye Nzira Yokudhinda Sei Kuda
- Kana iwe wakakuvadzwa kana kukanganiswa kwekanguva kana kusingaperi, fanira kudai pakarepo . Muzviitiko zvizhinji, kune mazuva anoti zvikwereti zvinofanira kuiswa nekutendeka, kazhinji pasina mazuva makumi matatu mushure mekukuvadzwa kana chirwere ichi chakatanga.
- Taura nehurumende yeHurumende yeVashandi 'Compensation Board, yako State Department of Labor, kana Social Security Administration kana uine mibvunzo kana unoda rubatsiro kutumira kudai.
Kuwana Mutemo Wemutemo
Vanhu vazhinji vanoita gweta rekuremara kwekuchengetedzwa kwevanhu kuti vabatsire kufamba nenzira dzakaoma dzehurongwa uye kuwedzera mikana yavo yekubvumirwa kuti vabatsirwe. Maererano neNOLO, varairi vanogona kupa mazano ehurukuro uye kubhadhara mari chete mushure mekunge makabudirira kuchengetedzwa kwekuremara kwako.
Mari yepamutemo inotungamirirwa nehurumende, uye iwe unowanzopiwa mhosva yepakati pe 25% yehutano hwako hwehutano huripo kubhadharwa (mari inokweretwa kunyoresa nguva inobva pazuva rekushanda kusvika pazuva rokugamuchirwa) kana $ 6000.
Iwe unofanirwa kuzarura hurema hwako kumushandi wako here?
Ndapota cherechedzai: Uyu ndiwo ruzivo rwehutano pamusoro pevashandi nekubhadhara. Taura newaunoshandira kana weHurumende yeHurumende yeHumisiro yeHurumende kuti uzvisarudzire pamamiriro ako chaiwo.