Iyo Federal Guideline Inodzivirira Kuda Kwenyika Kusuruvara
Sezvo zvisingaiti zvakaoma kuti utarise mumwe wako achikura, kuona mumwe wako achirasikirwa nekodzero yekushanda zvakasununguka, kana kuti kuti wawakaroorana naye aende kure newe, iwe unofanirwa kufunga nezvekuita zvakanaka kune murume kana mudzimai wako , kureva, kuvaisa mumusha unotarisira vakwegura , kuchakuvadza mari.
Vakawanda vakwegura havagone kuwana imba yekuchengetedza vakwegura , kwete ivo pachavo.
Ivhareji yemwedzi inoshandiswa mari imwe chete ye $ 6 692 pamwedzi kana $ 80 304 pagore. Kune imwe nzvimbo yega yega, yakanyanya kukwana pa $ 7 604 pamwedzi. Iyo inokwana $ 91,248 pagore!
Sezvo Medicare isingabatanidzi kwenguva refu yekuchengetedza musha uye vanhu vashomanana vanogona kubhadhara nguva refu yekuchengetedza inshuwarisi , inosiya vakawanda veAmerica kuti vaende kuMedicaid. Kufanirwa kweMedicaid, kunyanya kana zvasvika pakuchengetwa kwekuchengetwa kwekuchengetedza kana kugara kwenguva refu kwekuchengetwa kwemusha, kunobva paupfumi hwako sehukama .
Apa ndiko kunoronga kuti Medicaid urongwa huve inokosha. Iwe unogona sei kuva nezvishomanana zvakakwana zvakakosha kuti mumwe wako ave akakodzera asi achiri nezvikwereti zvakakwana kuti iwe ugare munharaunda?
Zvinorevei Kuva "Mukadzi Wemudzimai"
Kana zvinouya kumusha wekuyamwisa, Medicaid inotarisa zvinhu zvako, kureva, izvo zvaunazvo, uye mari, kureva, zvaunowana, zvakasiyana. Zvichinyatsojeka, vanotarisa zvinhu zvako pamwe chete semhuri asi vanotarisa pamari yako iwe pachako semunhu mumwe nomumwe.
Pamberi pemitemo yakaitika muna 1988, mudzimai waakaramba achigara munharaunda akatora mari. Kuti vagone kusvika kuMedicaid kukodzera, vakaroorana vaifanira kupedza pasi pfuma yavo, kazhinji vanopedza kuponeswa kweupenyu hwavo. Izvi zvakaita kuti munharaunda yemunharaunda isara isina zvigadzirwa zvishoma kuti zviwane zvigaro.
Ikozvino kune kuchengetedzwa panzvimbo panzvimbo yevamwe vekudzivirira vana kuti vadzivirire pakusatambudzika kwevakadzi.
Kunyange zvazvo hurumende imwe neimwe ichitsvaga mitemo yayo nemiganhu, hurumende yehurumende inoisa mazano ekuchengetedzwa kweMedicaid. Izvi zvichave zvataurwa pasi apa. Ndapota fungai munharaunda yenyu yehurumende Medicaid purogiramu yakanangana nehurumende yenyu.
Iwe unofanirwawo kuchengeta mupfungwa kuti ikozvino GOP yekutarisira iri kutarisa kugadzirisa chirongwa cheMedicaid. Kuda kuchinjwa kunoshandiswa kunokanganisa kudzivirirwa kwemudzimai kana kuti kubvisa zvachose here?
Kudzivirira Zvinhu Zvako
Cash, 401Ks, 403Bs, annuities (cash value vasati vashandurwa), mabhengi ekubhadhara mari, mabhandi, zvigwaro zvekuisa mari, kutarisa mabhizimisi, inshuwarisi mitemo (mari inodarika mari inopfuura $ 1,500), masayimari, IRAs, mazano eCeogh, mabhizimusi emari yemari, kubatana mari, kwete-isina mvumo yezvivakwa (zvimwe pasi apa), motokari dzisingabhadharwi, mabhadharo ekuchengetedza, mabhengi ekuchengetedza, uye matokisi-zvose zvezvinhu izvi zvinotarisa kuMedicaid yako yakakodzera.
Zvechokwadi, zvinhu zvakawanda iwe unogona kutendeuka kuva pakarepo mari kuverenga senhumbi. Kunyange mari dzinodzokodzwa, sezvinotora mari yakabhadharwa uye zvishandisirwe kubhadhara, zvinogona kuiswa.
Muna 2017, zvinhu zvako zvinoda kuenzana kana kudarika madhora 2 000 kuitira kuti uwane kukodzera kwenguva refu kuburikidza neMedicaid.
Ndinofara, mharaunda yemunharaunda inobvumirwa kubatisisa pane zvimwe zvinhu kupfuura izvozvo. Ichokwadi, vanogona kuchengetedza hafu yehuwandu hwezvinhu zviripo kusvika kune mari inogadziriswa neVanhu vayo VeMudzimai Resource Allowance (CSRA). Mari iyi inotaridzwa pa "chinyorwa" zuva, zuva rakakanganisika nemudzimai anenge ari muchipatara kana anotanga kutarisira kwenguva refu kwemazuva makumi matatu.
Muenzaniso wekutanga : Kana vaviri vakaroorana vane $ 100,000 muzvinhu zvakakodzera pamusi we "snapshot", uyo anowedzera kutarisira kwenguva yakareba anokodzera apo pfuma yake yakaderedzwa kusvika $ 2 000 uye munharaunda yemunharaunda kusvika kune $ 50,000 (imwe hafu ye $ 100,000) .
Iro chaiyo CSRA inotsanangurwa nehurumende imwe neimwe, asi hurumende yehurumende inotarisa nzvimbo yakaderera uye yepamusoro gore roga rega, kugadzirisa kwekuwedzera kwezvinhu. Muna 2017, CSRA yehurumende yepamusoro inosvika $ 24,180 uye yepamusoro ye $ 120,900.
Mumuenzaniso wepamusoro, kana nyika yavo yakashandisa zvishoma zvishoma CSRA, mudzimai wepagari haazokwanisa kuchengeta mari yakazara $ 50,000. Vaizofanira kushandisa mari yavo pasi kune $ 24,180. Kunyange zvakadaro, kana vakagara mune imwe nyika iyo yakapa yakawanda CSRA, vanogona kuchengeta mari yakazara $ 50,000 muzvinhu, asi kwete.
Kudzivirira Zvaunowana
Mari inowanikwa kuMedicaid kukodzera inosanganisira annuities, pensions, mari yekubhadhara, mibairo, uye Social Security inobatsira. Kusiyana nemari yako, zvisinei, mari yako yaunowana haifaniri kukanganisa kodzero yako yemumwe wako uye iwe haugoni kupiwa mari yako kune Medicaid mari yako.
Izvozvo hazvirevi kuti mari yako inenge isingapindi. Mushure mezvose, iwe ungangodaro wakavimbiswa nemari yemudiwa wako zuva nezuva. Kana mumwe wako paanenge ari muMedicaid uye akagamuchira nguva refu kwenguva refu , iyo yose yaunowana-inotora chikwereti chaunoda iwe pachako pamadhora makumi matatu (asingatombokwanisi zvekufuka, kudya, kana kutenga chipo chekuzvarwa) uye mari yezvimwe zviremba mari yavanoshandisa - inotarisirwa kuendesa kumusha wevanotarisira. Ndezvipi izvo zvinokusiya iwe kana nhengo dzemhuri zvichivimba nemari iyo?
I Minimum Maintenance Maintenance Needs Allowance (MMMNA) ndiyo inoshandiswa mari inoshandiswa nehurumende yako inogamuchirwa kuti iwane mararamiro ehupenyu hwevanhu vomunharaunda. Zvinosuruvarisa, chipo ichi chakavakirwa pahurumende yehurumende yehurombo uye haingave nguva dzose yakakwana kugadzirisa zvinodiwa nevarume vakwegura.
Kana iwe uchiwana zvishoma kudarika MMMNA, une kodzero yekuwana chikamu chemari yako yawakaroorana kuti uwane iyo yakawanda yakawanda.
Muenzaniso wechipiri : Vakaroorana vane mari yekubatanidza mari ye $ 3,000 pamwedzi, $ 2 000 kubva kune avo vakagadziriswa pamwe ne $ 1 000 kubva kumudzimai wemunharaunda. NeMMMNA yezvematongerwo enyika ye $ 2 200, Medicaid inofanirwa kubvumira $ 1,200 yemari inogadziriswa nemudzimai kugoverwa kumudzimai womunharaunda ($ 2 200 kudarika $ 1 000). Izvi zvinosiya mukadzi akarovedzwa kuti abhadhara imba yevanotarisira $ 770 pamwedzi ($ 2,000 kudarika $ 1,200 kubva pamadhora makumi matatu nemakumi matatu emunhu oga).
Kubva muna 2017, iyo MMMNA inokwana madhora 2,030 munzvimbo dzose kunze kweAlaska neHawaii iyo yakagadzirirwa $ 2,536.25 uye $ 2,333.75 maererano. Zvose zvinowanikwa pa $ 3,022.50. Nyika yako inogona kusarudza kushandisa chero kukosha kupi mukati.
Kudzivirira Imba Yako
Medicaid haina kusanganisira imba yako sechikamu chenhumbi dzako, pamwe kwete nguva dzose. Pane kudaro, vanoshandisa misha yekuenzanisa yemiganhu yekuona kuti iwe unokodzera.
Imwe nzvimbo yekutanga yekugara kusvika ku $ 560,000 kuenzaniswa yakabviswa kubva kuzvinhu zvako zvinoverengeka. Vamwe vanoti vanoona kuti kuenzana kunokwana $ 840,000. Inobata ndeyokuti munhu akarovedzwa anofunga kudzokera kumusha mune ramangwana. Zvichienderana nehurumende yauri kurarama, chirongwa cheMedicaid chinogona kuisa mutoro wehupupuriro pamusoro pako kuratidza kuti iwe uchadzoka kumba. Kana zvikodzero izvi zvisati zvasangana, vanogona kuisa pamba pamba pako paunenge uri muimba yevanotarisira. Kungoti, zvisinei, hazvikwanisi kuiswa kana munhu womunharaunda, mwana ari pasi pemakore makumi maviri nemashanu, ari bofu kana mwana akaremara, kana mukoma wemunharaunda ane mukana mumba muno anogara imomo.
Izvo zvikwereti zviyero zvinotarirwa pamutengo wekutengesa maruva zvishoma kudarika zvakadini iwe pachako pane zvekutengesa. Kana iwe ugova wega weimba yacho, kuenzana kwako hafu iyo yakawanda.
Muenzaniso wechitatu: Kana iwe pachako iwe pachako une imba ine mari yakashambadzika yemari ye $ 600,000 mune imwe nyika ine $ 560 000 kuenzana kwemiganhu, ipapo $ 40 000 ichaverenga kune zvinhu zvako. Kana wakakwereta $ 100,000 pamutoro wako, kuenzana kwako kwaizoderedzwa kusvika $ 500,000, uye imba yako yaisazoverengerwa kuMedicaid yako yakakodzera.
Muenzaniso wechina: Kana iwe ugova wega weimba ine mari yakashambadzika yemari ye $ 600,000 muhurumende ine $ 560,000 yekuenzanisa kwemiganhu, imba yako yekutengesa iri chaizvo $ 300,000, hafu yekutengeserana kwekodzero. Musha wako waisazoverengerwa kuMedicaid yako yekugadziriswa sezvo mugove wako unowira pasi peimba yekuenzanisa.
Sezvo nemitemo yakawanda, pane zvisizvo kune mutemo. Kana nharaunda yemunharaunda kana mwana wemurume akarovedzwa-kunyanya mwana anenge ari pasi pemakore makumi maviri nemashanu, uyo ari bofu, kana kuti uyo ane imwe nguva yakaremara kwenguva refu-anogara mumba, hakuna misha yekuenzanisa yemiganhu yekufungisisa . Iyo nzvimbo haina kuverengwa kune yako yekugonesa pasinei nehuwandu hwayo.
Nekuwedzera kwemari yeimba yevanamukoti mari, hazvishamisi kuti Medicaid inotsvaka kubhadhara mari kuburikidza neMedicaid Estate Recovery Program . Mune mhaka iyo murume akachengetedzeka akaparara, Medicaid inowana kodzero yekutsvaga kuwanikwa kwebhadharo kuburikidza neimba yavo, asi zvakare, pane kudzivirira munzvimbo. Nyika dzisingabvumirwi kudzoka kubva kumiganhu yevanowana mari kana dzikararama nemudzimai wemunharaunda, mwana ari pasi pemakore makumi maviri nemaviri, kana mwana ane upofu kana uremara hunogara kwenguva refu .
Shoko Rinobva
Pane zvakawanda zvekuisa mudzimai wako mumusha wakwegura kunoshandisa Medicaid. Mushure mezvose, nhumbi dzako, kwete yeawakaroorana naye, vanoona kana kwete ivo vakakodzera. Kana iwe uchitarisana nemari yemumwe wako, izvi zvinokusiya kupi? Namangwana rako rezvemari ringangopinda. Ndizvo zvaunofarira kutaura nevanyanzvi vezvemitemo vanoona muMedicaid munharaunda yenyu uye vanoona kuti vanganyatsochengetedza sei zvinhu zvenyu.
> Sources:
> 1396r-5. Kuchengetwa kweMari uye Nhare kune vamwe Vakaroorana Vakaroorana. Hurumende Publishing Office. https://www.gpo.gov/fdsys/pkg/USCODE-2010-title42/pdf/USCODE-2010-title42-chap7-subchapXIX-sec1396r-5.pdf. Yakabudiswa February 8, 1988.
> 2017 SSI uye Spousal Impoverishment Standards. Medicaid.gov. https://www.medicaid.gov/medicaid/eligibility/downloads/spousal-impoverishment/2017-ssi-and-spousal-impoverishment-standards.pdf. Yakasunungurwa naJanuary 1, 2017.
> Mhuri yevachengeti Mari dzinoshandiswa neHurumende. SkilledNursingFacilities.org website. https://www.skillednursingfacilities.org/resources/nursing-home-costs/.
> Vakaroorana Kusuruvara. Medicaid.gov. https://www.medicaid.gov/medicaid/eligibility/spousal-impoverishment/index.html.
> Vakaroorana veMedicaid Venguva refu. Office of the Assistant Secretary for Planning and Evaluation; Dhipatimendi reUnited Health Health and Human Services. https://aspe.hhs.gov/basic-report/spouses-medicaid-long-term-care-recipients.