Kuremara uye kurindira kwenguva yakareba zvinotarisirwa kutanga kunyorwa kwaMedare
Medicare haigone kuwanikwa kune vazhinji vedu kusvika tava nemakore makumi matanhatu nemashanu, asi kune vamwe vanhu-avo vane hurema kwenguva refu kana avo vakave vaine zvirwere zvakasiyana- Medicare iripo chero ipi zvayo. Hazvisi nyore kuwana.
Kuremara Kwemazuva Ekure Mishonga Inobatsira Inoda SSDI Kutanga
Kana iwe uchigona kugadza kuti iwe unotambura nehurema hunogara kwenguva refu hunokudzivirira kushanda, unogona kukodzera kubhadharwa kwemwedzi weSorld Disability Disability Insurance (SSDI), iyo inogona kukugadzirira iwewo Medicare.
Zvisinei, inogona kuva yakatora nguva refu uye kunyange mushure mokunge mvumo yeSDDI, iwe uchava nenguva refu yekumirira kuti Medicare yako isabatsire isati yatanga.
Chikumbiro chekuremara chinotanga nekushanda kwekutsvaga. Kuti chikumbiro chako chiongororwe, unofanira kunge wakashanda maawa akakwana kuti uwane rubatsiro rweSocial Security, kana kuva muwani kana kuti unovimba nomumwe munhu ane.
Tsanangudzo yekuremara
The Social Security Administration (SSA) ine tsanangudzo yakasimba yehurema. Kuti iwanikwe yakaremara, zvinotevera zvinofanira kuva zvechokwadi:
- Iwe haufaniri kukwanisa kuita chero basa rakakosha nekuda kwehutano hwako (s); and
- Chipatara chako (s) chinofanira kunge chakagara, kana kutarisirwa kupedza gore rinenge gore, kana kutarisirwa kuti chiite kuti ufe.
Nzira Yokukurumidza Sei SSDI Yako Kushanda
Kushanda kwako kweSSDI kunogona kufamba nokukurumidza kana ukasarudza mumwe chiremba semutungamiri anotungamira nyaya yako.
Zvakanakisisa kuenda nemunhu ane ruzivo rwemhosva dzekuremara, anopindura nokukurumidza kune zvikumbiro zvekuziva, uye anoziva nehutano hwehutano hwako.
Izvo zvakare pfungwa yakanaka yekuchengeta nhoroondo yakazara yezviitiko zvako zvemazuva ese kuita zvinyorwa, somuenzaniso, chero matambudziko aunayo nekufamba kana chero migumisiro yechirwere uri kuwanikwa nemishonga.
Izvi zvichabatsira kana iwe uine hurukuro yako nemumiririri we Social Security. Inobvunzurudzwa inogona kuitika pafoni kana kuti iwe pachako kuhofisi yako yeHindu Social Security.
Nzvimbo yeSSA yepaIndaneti inopa nyore nyore kushandisa Disability Starter Kit iyo inosanganisira FAQs, chekuongorora, uye pepa rekushandisa kuti ikubatsire kugadzirira hurukuro yako. Iwe unogona kuchengetedza hafu yenguva yekubvunzurudza kana iwe uzadza zvidikanwi zvinodiwa paIndaneti usati wasarudzwa.
SSA inoti mapurisa akawanda anoshandiswa mukati pemwedzi mitatu kusvika ku5. Kune vakawanda vakakumbira, kunyange zvakadaro, kumirira kweMedare inobatsira kunotanga, kunyange kana kushanda kwavo kubvumidzwa.
Periods Periods for Medicare Coverage
Maererano nemutemo, kubhadhara kwako kweSSDI hakugoni kutanga kusvikira wakagadzirirwa kwemwedzi mitanhatu yakazara. Mari yako inowanzotanga nemwedzi wechitanhatu wekuremara. Uye, kana iwe wakagamuchirwa kweSSSD, unofanira kutarisira makore maviri azere mushure mokunge nguva iyo inopera kuti Medicare yako inotanga kupararira kutanga.
Medicare Eligibility
Apo Medicare yako inotanga iwe ichakodzera kune vose Medicare Chikamu A- hospital uye nursing home coverage-uye Medicare Chikamu B- kushanyira kushanyira uye mabasa ekurapa. Iwe uchawana makadhi aMedare mumishumo mwedzi mitatu musati mwedzi wako we 25 wekuremara.
Kana iwe usingadi Medicare Part B, unogona kutumira zvakare kadhi. Kana ukachengeta kadhi, iwe uchachengeta Chikamu B uye uchabhadhara chikamu cheB B.
Iwe uchave wakakodzerwawo neMurengeti weD Medicare Part D chirongwa chemishonga . Iwe unokwanisa kubatana neChirongwa D D mukati memwedzi mitatu isati yasvika kumwedzi mitatu mushure memwedzi wegumi nemashanu wemukuremara.
Medigap Coverage
Mutemo weBurumende haudi vatsigiri vega vega kuti vatengese Medigap inshuwarisi -rudzi rwekugoverwa kunobhadhara mazano akakodzera uye kunze kwemari yekubhadhara mari isingabhadharwi neMedare-kune vanhu vanopfuura 65, kunyange kana vakaremara.
Zvisinei, makumi matatu anotaura makambani einishuwarenzi kuti atengese iwe mutemo weMedigap kana une Medicare uye uri pasi pezera remakore makumi matanhatu nemashanu, kunyange zvazvo zvimwe zvigadziriswa zvirongwa zviripo uye pane mitemo yakasiyana yevanhu vane kuguma-stenho renal chirwere (inetso kusakona).
Taura nehurumende yako yehurumende inshurensi kuti uone kana nyika yako ine chirongwa cheMedigap uye kuti uone mitemo inoshanda kwauri.
Medicare Muviri wezvirwere zvaLou Gehrig kana Kupera-Stage Kusakundikana kweRenal
Kana iwe uri muduku kudarika 65 uye wakamboonekwa uine amyotrophic lateral sclerosis (ALS), iyo inozivikanwawo sehosha yaLou Gehrig, iwe uchangozopiwa Medicare Part A uye Chikamu B mwedzi mishonga yako yekuremara inotanga (mushure mokuguma kwe mwedzi mishanu yekumirira nguva yekuremara).
Kana uri kutarisana ne dialysis yekupedzisira-stenal renal chirwere (ESRD), kugoverwa kwako kweMedricare kunowanzotanga zuva rokutanga remwedzi wechina weraalysis mishonga. Cherechedza kuti zvirongwa zve Medicare Advantage hazviwanikwi kune vanhu vanopfuura 65 vari kunyora muMedare nekuda kweSRD, asi iwe unogona kugovera Medicare Special Needs Plan kana pane imwe munharaunda yako.
Nzira Yaunogona Kuwana Pakutanga Medicare Coverage ne ESRD
Medicare kugoverwa kunogona kutanga semwedzi wokutanga we dialysis kana ukasangana nemamiriro ezvinhu anotevera:
- Iwe unotora chikamu purogiramu yekudzidzisa dialysis kumba inopiwa nechirongwa cheMedare-chinogamuchirwa kuti chikudzidzise maitiro ekuzvipa kurapa kwemaalysis kumba.
- Chiremba wako anotarisira kuti upedze kurovedza uye unokwanisa kuita rako re dialysis mishonga.
- Iwe unoita dialysis yako yenguva dzose mukati memwedzi mina iwe waizotofanira kumirira kugoverwa kutanga.
Kugadziriswa Nemaoko Akavapo
Kana iwe unobhadharwa neunoshandira-sangano kana sangano rehurumende-raibhadhara inshuwarisi uye iwe unokodzera kuMedare nekuda kwekupedzisira-gwara retaal disease, Medicare ichabatanidza nehupo hwako huripo hwemwedzi makumi matatu. Munguva iyoyo, inshuwarisi yako yega yega ndiyo ichava yako huru yekuvhara, uye Medicare inotora chikamu chemari inosara. Pakupera kwemwedzi makumi matatu, tichifunga kuti iwe uchiri kugovera pasi peboka rako rehutano hwehutano, ichava yekuvhara kwechipiri uye Medicare ichava yekutanga.
> Sources:
> ALS Association. Medicare Information.
> Centers for Medicare neMedicaid Services. Kushandiswa kweDiyo Dialysis uye Kidney Transplant Services . Yakavandudzwa muna July 2017.
> Medicare.gov. Ndine urema.
> Medicare.gov. Zvakadini kana ndapedza-stal-renal chirwere (ESRD)?
> Social Security Administration. Zvaunofanira Kuziva Usati Waita Kuti Uchengetedze Utano Hwakagadzikana .