Izinzuzo Zokukhubazeka Ezokuphepha Komphakathi

Indlela Yokuthola Usizo Lwezezimali Uma Ugule kakhulu ku-WOrk

Ungenzenjani uma ugula noma ulimala kakhulu futhi kufanele uyeke ukusebenza? Cabanga ukuthi akunakwenzeka? Ngokusho kwe-Social Security Online, "isisebenzi esineminyaka engu-20 sinezithuba ezintathu-in-10 zokukhubazeka ngaphambi kokufinyelela eminyakeni yobudala bomhlalaphansi." Akumele ukwesabise kodwa izinkinga zalokhu okwenzeka kuwe akuzona neze ezingekho. Uma kwenzeka isenzakalo esiyingozi njengalezi, akudingeki nje ukuthi ubhekane nezimpikiswano zakho zomzimba, uzothola ezinye zezimali ezinkulu ukubhekana nazo.

Uma unenhlanhla ngokwanele yokuba nenqubomgomo yomshuwalense wokukhubazeka efakwe kwiphakethe lakho lezinzuzo noma uma uthenge owodwa uzothola ukusekelwa kwezimali okudingekayo. Uzobe ufanelekile ngokwezemali uma ingozi yakho yayihlobene nomsebenzi futhi ngakho-ke ihlanganiswe ngaphansi kweNxephezelo yoMsebenzi, uhlelo olulawulwa nguhulumeni.

Kuthiwani uma ungenayo inqubomgomo yomshuwalense wokukhubazeka futhi awuzange uhlanganiswe isinxephezelo somsebenzi? Ngethemba ukuthi awusoze uzithola kuleso simo, kodwa uma wenza kukhona izinhlelo ezimbili, zombili ezilawulwa yi-United States Social Security Administration, lokho kungakunikeza ukusekelwa ngokwezimali kuwe nabanciki bakho. Ziyi- inshuwalense yokukhubazeka kwezenhlalakahle (SSDI) kanye nohlelo lwe-Supplemental Security Income (SSI). Ngokusho kwe-Social Security Online, "izidingo zezokwelapha zokukhokha ukukhubazeka ziyafana ngaphansi kokubili izinhlelo, futhi ukukhubazeka kwakho kunqunywa inqubo efanayo." Umehluko phakathi kwe-SSDI ne-SSI inemfuneko yokuthola imali ngayinye.

Ukuze ufanelekele i-SSI, umuntu kufanele abhekwe njengengeniso ephansi. Zombili izinhlelo zidinga ukuthi ube nenani elithile lezinkampani zomsebenzi ozitholile eminyakeni eyishumi edlule (izidingo zihlukahluka kubaluleke kakhulu ukuhlola nommeleli wakho wezokuPhatha kwezokuThuthukiswa koMphakathi). Abantu baqoqa lezi zimali ngokuthola imali nokukhokha intela yokuphepha komphakathi.

Indlela Yokufanelekela Izinzuzo Zokukhubazeka Zokuphepha Komphakathi

Ukuze ufanelekele izinzuzo zokukhubazeka kwe-US Social Security, kumele uhlangabezane nemigomo ethile. Ummeli wezokuPhatha kwezokuThuthukiswa koMphakathi uzokwenza ukuzimisela kokugcina kokufaneleka kwakho izinzuzo. Nazi ezinye iziqondiso:

• Kumelwe ungakwazi ukusebenza noma, uma ungakwazi ukusebenza, amaholo akho kumele awele ngaphansi kwesilinganiso esithile (ummeli wezokuPhatha kwezokuThuthukiswa koMphakathi angakukwazisa ukuthi isamba sinjani).
• Ukugula noma isimo sakho kufanele sibe nzima kangangokuthi kuphazamisa imisebenzi ethile ephathelene nomsebenzi.
• Isimo sakho kufanele sibonakale ohlwini lwezinkinga ezigcinwe yi-Social Security Administration.
• Uma unesimo esingabonakali ohlwini lwe-SSA lokukhubaza izimo, ungase uvumeleke uma kunzima ngokwanele ukukugcina ekwenzeni umsebenzi owawenza ngaphambilini.
• Ukugula kwakho kufanele kukugcine ungaguquki emsebenzini ohlukile emsebenzini owawenza ngaphambi kokukhubazeka kwakho.
• Ukukhubazeka kwakho kulindeleke ukuba kudlule okungenani unyaka owodwa noma kubangele ukufa.

Uma uhlangabezana nemigomo ehlongozwe lapha, udinga ukufunda kabanzi ngenqubo oyodinga ukuyisebenzisa ukuze ufake izicelo zokukhubazeka . Ungathola ukuthi yini okudingeka ukwazi ngokuya kusigaba se-Disability Planner sika-Social Security Online.

Kubalulekile ukuthi uqaphele ukuthi ukuPhatha kwezokuThuthukiswa koMphakathi kunzima kakhulu nokuthi abantu abaningi abafaka izicelo zezinzuzo banqatshelwa.