Yakabviswa? Vakarambana? Moved? Kana kuti mushandirwi wako akangodonha inshuwarisi yekubatsira?
Kunyangwe iwe uchangobva kuiswa kunze, kana mushandirwi wako akasarudza kuderedza mari yezvakabatsirika nekusava nehutano hwehutano, kana iwe uchangobva kurambana nemumwe wako kana mukomana waipa hutano inshuwarano kumhuri yako, kana zvimwe iwe wakatamira kure uye waifanira kusiya basa rako shure ...
Chero chikonzero chipi nechipi, kana iwe usiri uine inshuwarhu yehutano, kune mamwe matanho nekufungisisa kukubatsira kuchengetedza inshuwarisi kugoverwa, kana kuwana hutsva hutsva, kuti uve nechokwadi chokuti iwe nemhuri yako chengetedza inshuwarisi yako.
Nhanho Dzakanaka Kana Uchirasira Inishuwarenzi yehutano
- Pasinei nokuti matanho ako anotevera angave akaita sei, iva nechokwadi chokuti iwe unowana "tsamba yekuparidzira" kubva kune inshuwarisi yawakave nayo kusvikira zvino. Ichi hachisi chikumbiro chisingawanzoiti, uye chinogona kupiwa iwe iwe usati wakukumbira. Iyo inongotaura chete kuti iyo inshuwarisi yakakufukidza iwe kwenguva kubva ___ kusvika ____. Sezvaunotamira kune imwe inshurensi, iwe unogona kuratidza kuti iwe wakagara uchitaridzirwa nekusingaperi kusvika ipapo, uye tsamba iyi ndiyo inopa uchapupu.
- Tarisa kune zvingaita zvehutano hwehutano inshumo kuburikidza nemudzimai wako kana waunoshandira naye. (Dzimwe, asi kwete dzose dzinobvumira vagari vomumba kuti vafukidzwe). Kana iwe ukadzidza kuti zvinogona kuitika, zvino shandisa mashoko pamusoro pekugovera, kusanganisira zvaari kuvhara, uye mari inobatanidza. Iwe unoda kuenzanisa maitiro aya nemamwe maunogona. Iva nechokwadi chekuongorora chero nzira dzakasiyana nedzimwe mazano ari pasi apa pakusarudza chirongwa chehutano hwehutano hwehutano.
- Sarudza kuti iwe unokodzera COBRA . COBRA ndiyo mutemo wezvematongerwo enyika unoda kuti vashandirwi varambe vachiparidzira kuvashandi uye nemhuri dzavo kwemwedzi 18 mushure mekunge vasiya basa iro. Pane zvidimbu zvitsva zvinofanirwa kusangana, (semuenzaniso, wako waunoshandira haafaniri kupa COBRA kana kune vashoma vanopfuura 20) asi kazhinji, ino ichava nzira yako isingakoshi yekuchengetedza inshuwarisi yawakave nayo . Usashamiswa, zvakadaro. Ichakurova iwe sekutengesa zvikuru nokuti, kusvikira ikozvino, waunoshandira ave ari kubhadhara chikamu chepamu yako yako. Dzidza zvakawanda pamusoro pekugoverwa kweCOBRA .
Sarudza Zvimwe Zvaunogona Kuwedzera Pashure Pokurasikirwa Nehutano Hwemutano
- Ratidza kuti ndezvipi zvimwe zvaungasarudza pakuwana inshuwarano yehutano. Tarisa kune mumwe munhu, yega yehutano inshuwalano yehutano uye uenzanise kwete kwete chete mitemo inodhura asi kunze kwehomwe mari, zvakare.
- Zvichienderana nemari yemhuri yako yegore negore, unogona kunge wakakodzera kuMedicaid, rubatsiro rwekubhadhara inshuwarisi yako, kana iwe unogona kuwana iwe unogona kuwana nguva yekutora mitero yako. Mikana iyi inotungamirirwa nehurumende yehurumende nemitemo yenyika yako. Iwe unogona kuwana kuti kuwanika kwako kunogona kuve kuve kuburikidza neHalthcare.gov, kana, boka rinonzi Bhuku reZvose rinopa ruzivo rwemashoko, nyika-ne-nyika, pamusoro pezvirongwa zvakawanda zviripo pasinei nezvaunowana.
- Uri wekare here? Kana wakashanda muuto rehondo uye wakakurudzirwa kusunungurwa, mune mamwe mamiriro ezvinhu iwe unogona kukodzera kugoverwa kuburikidza neVeteran's Administration (VA). The VA webhusaiti inopa chigadziro chikuru chekugadzirisa kukodzera kwako.
- Kana mumwe kana vamwe vomumhuri vasina hutano, funga kuvatsigira nemapurogiramu akasiyana, kana vakakodzera, uye kana izvozvo zvichakuchengetedza mari. Somuenzaniso, kana iwe une mwana ane dambudziko rezvehutano, mwana wako angakodzero yeCIP (chirongwa chehurumende chevana veUnited Health Protection) Dzidza zvakawanda pamusoro pechinhu ichi.
- Kana mumwe wemhuri yako ane chirongwa chepreexisting, iwe haufaniri kunetseka nezvekodzero yehutano inshuwarisi. Iwe haugoni kubviswa pane chirongwa chekuchengeta utano. Ichi ndicho chimwe chezvakagadzirwa zveChinamatira Care Act (Obamacare).
- Iwe une chido chekuti iwe unogona kuchinja kuva bhizinesi rega? Kana iwe ukagadzira bhizinesi, uye "uchitsvaga" wako wako kana mwana mukuru, iwe unogona kufungidzirwa somushandi "boka." Hurumende imwe neimwe ine masangano emabhizimisi maduku uye makamuri ekutengeserana mabhizinesi aya anogona kubatanidzwa, uye izvozvo zvinogona kuita kuti vakwanise kupinda mapurogiramu eshuwarisi eboka. Taura neChishanu yeBusiness Business Association kana yeBusiness Business Development Centre (kazhinji iri munzvimbo dzemakoroji) kuti mubvunze pamusoro peizvi.
Kuvimbisa Ramangwana Rako
Sezvo iwe wakasara nhasi kutsvaga zvitsva zvitsva hazvirevi kuti unofanirwa kugadzirisa insstandard inshuwarisi yehupenyu hwako hwose hwehushuwarenzi (iyo inogona kupera kusvikira wava nemakore makumi matanhatu nemashanu apo iwe unokodzera Medicare ).
Funga izvi zvingasarudzwa:
- Tsvaga rimwe basa rinobatsira.
- Kana iwe uri muukama hwakazvipira nemumwe munhu atova nehutano inshuwarano, ipapo chengetedza kuona kana nyika yako inobvumira "vashandi vepambani" inshumo , uye kana zvakadaro, vatsigiri vekupi vanopa zvirongwa zvinosanganisira iyo. Kana zvisingaiti, iwe unogona kufunga kuwanana uye kushandura mutemo wekuvhara mhuri.
- Kurudzirai mushandirwi wenyu kusarudza-kupinda mune yehutano yveshuwarhu inoshandiswa iyo inogona kuva yakakosha kune kambani, asi inogona kuchengetedza mari yakaderera kwauri, zvakare.