Akuluakulu ambiri ali oyenera kulandira masitampu a chakudya koma sanalembetse kuti apindule ngakhale mtengo wa golosale ukukwera.

Kwa okalamba, zopindulitsa nthawi zambiri sizigwiritsidwa ntchito

Zitsanzo zina: Pafupifupi akuluakulu 14 miliyoni azaka zapakati pa 60 kapena kuposerapo ali oyenerera kuthandizidwa ndi Federal Supplemental Nutrition Assistance Program (yomwe imadziwikanso kuti masitampu a chakudya) koma sanalembetse, malinga ndi kuyerekezera kwaposachedwa. Komanso, akuluakulu oposa 3 miliyoni azaka zapakati pa 65 kapena kuposerapo ali oyenerera koma osalembetsa ku mapulogalamu a Medicare, omwe amalipira malipiro a Medicare ndi kugawana ndalama. Ndipo 30% mpaka 45% ya okalamba akhoza kuphonya thandizo kuchokera ku Medicare’s Part D Low Income Benefit, yomwe imaphatikizapo malipiro a pulani, kugawana ndalama komanso kuchepetsa mtengo wa mankhwala olembedwa ndi dokotala.
“Madola mabiliyoni makumi ambiri amapindula sagwiritsidwa ntchito chaka chilichonse” chifukwa akuluakulu sakudziwa, amapeza kuti malamulo ndi ovuta kwambiri kuti amalize kapena amatsutsana popempha thandizo, adatero Josh Hodges, mkulu wa makasitomala ku National Council. Kukalamba, gulu lolimbikitsa anthu achikulire aku America omwe amagwira ntchito ku National Center for Communication and Benefits Enrollment.

Mapulogalamu ambiri amayang’ana achikulire omwe amapeza ndalama zochepa komanso omwe ali ndi zinthu zochepa. Koma sizili choncho nthawi zonse: Mapulogalamu omwe amaperekedwa ndi lamulo kwa anthu achikulire aku America, monga Home Meals ndi Legal Aid kwa omwe akukumana ndi kulandidwa kapena kuthamangitsidwa kunyumba, safuna kuyesa ndalama, ngakhale kuti anthu omwe amapeza ndalama zochepa nthawi zambiri amakhala patsogolo. Ndipo mapulogalamu ena akumaloko, monga makhadi amisonkho a eni nyumba, amapezeka kwa aliyense wazaka 65 kapena kuposerapo.

Ngakhale madola mazana angapo pa chithandizo cha mwezi uliwonse angapangitse kusiyana kwakukulu kwa okalamba omwe amakhala ndi ndalama zochepa zomwe zimapangitsa kuti zikhale zovuta kupeza zofunikira monga chakudya, nyumba, mayendedwe, ndi chithandizo chamankhwala. Koma nthawi zambiri anthu sadziwa momwe angadziwire ubwino wake komanso ngati akuyenerera. Ndipo kaŵirikaŵiri okalamba safuna chithandizo, makamaka ngati sanachite zimenezo m’mbuyomu.

“Muli ndi maubwino awa, ndipo achikulire ayenera kuganiza za ‘monga Medicare, monga Social Security,” adatero Hodges.

Nayi momwe mungayambitsire komanso zambiri zamapulogalamu ena:

pezani thandizo

M’dera lililonse, mabungwe am’deralo okhudzana ndi ukalamba, mabungwe odzipereka kuthandiza achikulire, amawunika zopindulitsa kapena mutha kutumizidwa kumagulu ena omwe amawunika izi. (Kuti mudziwe zambiri zokhudzana ndi kukalamba kwanuko, gwiritsani ntchito Eldercare Locator, ntchito ya Federal Administration on Aging, kapena imbani 800-677-1116 mkati mwa sabata mkati mwantchito.)
Akuluakulu ambiri ali oyenera kulandira masitampu a chakudya koma sanalembetse kuti apindule ngakhale mtengo wa golosale ukukwera.

Kuwunika kumazindikiritsa mapulogalamu a federal, boma, ndi am’deralo omwe angathandize kukwaniritsa zosowa zosiyanasiyana-chakudya, nyumba, mayendedwe, chisamaliro chaumoyo, ndalama zothandizira, ndi zinthu zina zofunika. Nthawi zambiri, ogwira ntchito ku bungweli azithandiza okalamba kudzaza mafomu ofunsira ndi kutenga zikalata zofunika.

Kulakwitsa kofala ndikudikirira mpaka pakhale vuto, mulibe chakudya mufiriji kapena kampani yamagetsi yatsala pang’ono kudula magetsi.

Ndi lingaliro labwino kwambiri kukonzekera, “atero a Sandy Markwood, CEO wa USAging, bungwe ladziko lonse lomwe limayimira mabungwe okalamba. “Bwerani ndi munthu wina akhale pansi ndikuyika zosankha zanu zonse patebulo.”
Achikulire omwe ali omasuka pa intaneti ndipo akufuna kuchita kafukufuku wawoawo angagwiritse ntchito BenefitsCheckUp, ntchito yoyendetsedwa ndi National Council on Aging, pa featurescheckup.org. Amene amakonda kugwiritsa ntchito foni akhoza kuyimba 800-794-6559.

Thandizo pazakudya

Mabungwe ena akusintha ndi ukalamba kuti achulukitse kufunikira kwa chithandizo kuchokera kwa okalamba poyang’ana kwambiri zopindulitsa monga masitampu azakudya, zomwe zikukhala zofunika kwambiri chifukwa kukwera kwa mitengo yazakudya kukwera mpaka pafupifupi 10%.
Kuthekera kothandiza okalamba kukwaniritsa zofunika zimenezi n’kwambiri. M’malipoti atsopano, bungwe la AARP Institute for Public Policy likuti 71% ya akuluakulu azaka 60 kapena kupitilira apo omwe ali oyenera kulandira mapindu a SNAP sanalembetse.
Kuchepa kwa othandizira azaumoyo chifukwa cha miliri kukusiya odwala opanda chisamaliroKuchepa kwa othandizira azaumoyo chifukwa cha miliri kukusiya odwala opanda chisamaliro
Nthawi zina, achikulire angaganize kuti phindu lake ndi laling’ono kwambiri kuti silingapindule. Koma omwe ankakhala okha adalandira ndalama zokwana madola 104 mu masitampu a chakudya pamwezi mu 2019. Osachepera 3 miliyoni akuluakulu a zaka 50 ndi achikulire omwe amapeza ndalama zochepa adzalandira ndalama zoposa $ 200 pamwezi, malinga ndi kuyerekezera kwa AARP.

Pofuna kuthana ndi kusalidwa kwa anthu achikulire omwe amapeza masitampu a chakudya, AARP idakhazikitsa kampeni yotsatsa ku Atlanta ndi Houston ponena kuti “mitengo yazakudya ikukwera ndipo tonse tikuyesera kukweza ndalama zathu zogulira,” atero Nicole Hickman, wachiwiri kwa purezidenti wa Benefit Access Programs. ku AARP..

Ngati kuyesayesako kusinthira malingaliro a anthu achikulire aku America pa pulogalamuyi ndikuwonjezera olembetsa, bungweli likukonzekera kukulitsa kwambiri chaka chamawa, adatero.

Thandizo ndi ndalama zothandizira zaumoyo

AARP imagwiranso ntchito limodzi ndi mabungwe ammudzi ku South Carolina, Alabama, ndi Mississippi omwe amathandizira okalamba kufunsira madongosolo a Medicare-opereka komanso zopeza zotsika mtengo za mapulani amankhwala a Part D. Ikukonzekera kukulitsa pulogalamuyo chaka chamawa mpaka mayiko 22.

Akuluakulu ena a ku America akhoza kutaya mapindu kuti athandize kuchepetsa mtengo wa mankhwala.Akuluakulu ena a ku America akhoza kutaya mapindu kuti athandize kuchepetsa mtengo wa mankhwala.

Phindu la zopindulitsa zachipatala izi, zomwe zimaperekedwa kwa okalamba omwe amapeza ndalama zochepa, ndizofunika kwambiri. Osachepera, mapulogalamu a Medicare savings adzalipira mtengo wamalipiro a Medicare Part B: $170 pamwezi kapena $2,040 pachaka kwa ambiri. Kwa okalamba omwe amapeza ndalama zochepa, zopindulitsa zimakhala zazikulu, ndipo mtengo wa chithandizo chamankhwala umaperekedwanso.

Ngakhale mukuganiza kuti simungayenerere, muyenera kulembetsa chifukwa pali malamulo osiyanasiyana m’maiko onse, “atero a Meredith Freed, katswiri wofufuza mfundo pa Kaiser Family Foundation Programme on Medicare Policy.
Kodi ndinu wamkulu ndipo mukukumana ndi kukwera mtengo kwamankhwala?  Gawani nkhani yanu ndi CNNKodi ndinu wamkulu ndipo mukukumana ndi kukwera mtengo kwamankhwala?  Gawani nkhani yanu ndi CNN
Phindu lochepa la mapulani a mankhwala a Part D, omwe amadziwikanso kuti thandizo lowonjezera, ndi $5,100 pachaka, malinga ndi Social Security Administration. Pakadali pano, anthu ena achikulire aku America amangopindula pang’ono, koma izi zisintha mu 2024, pomwe okalamba onse omwe amapeza ndalama zosakwana 150% ya umphawi wa federal ($ 20,385 pa munthu aliyense mu 2022) adzayenerera kulandira chithandizo chokwanira.
Popeza mapulogalamu azachipatalawa ndi ovuta, kupeza chithandizo ndi ntchito yanu ndi lingaliro labwino. Fred adapereka lingaliro kuti anthu ayambe kulumikizana ndi pulogalamu ya inshuwaransi ya boma lawo (zambiri zopezeka pano). Zina zomwe zingathandize ndi Medicare Hotline (800-633-4227) ndi Dipatimenti Yokalamba ya boma lanu, yomwe ingakutsogolereni kumabungwe ammudzi omwe amathandizira ndi ntchito. Mndandanda wamadipatimenti aboma ukhoza kupezeka apa.

Mitundu ina yothandizira

Onetsetsani kuti mwayang’ana mapulogalamu othandizira misonkho kwa anthu okalamba m’dera lanu ngati gawo la “kufufuza phindu”.

Kodi mwapeza covid yayitali?  Okalamba ayenera kukonzekera kupita pang’onopang’onoKodi mwapeza covid yayitali?  Okalamba ayenera kukonzekera kupita pang’onopang’ono
Anthu omwe amapeza ndalama zochepa athanso kuthandizidwa ndi mabilu apamwamba amagetsi kudzera mu Low Income Home Energy Assistance Program. Kampani yakumaloko ikhozanso kupereka chithandizo chadzidzidzi kwa okalamba omwe sangathe kulipira ngongole zawo. Ndikoyenera kuyimba foni kuti mudziwe, analangiza Rebecca Laervelt, yemwe ndi mkulu wopuma pantchito wa Chicago-area Aging and Disability Resource Center. Malo othandizirawa amathandiza anthu omwe akufuna kupeza chithandizo chanthawi yayitali ndipo ndi njira ina yothandizira okalamba. Mutha kupeza imodzi mdera lanu pano.
Kwa omenyera nkhondo, “iyi ingakhale nthawi yabwino kuyang’ana kugwiritsa ntchito zopindulitsa zanu[za Veterans Administration],” adatero Diane Slezak, purezidenti wa AgeOptions, bungwe loyang’anira ukalamba ku Cook County, Illinois. “Ndakumana ndi anthu ambiri omwe ali oyenerera kuti apindule akale koma osawapezerapo mwayi.”

Zolepheretsa kupeza chithandizo

Othandizira mapulogalamu ambiri amawona kuti mabungwe omwe amatumikira okalamba akukumana ndi kusowa kwa antchito, zomwe zimasokoneza kuyesetsa kupereka chithandizo. Malipiro ochepa ndi chifukwa chofala. Mwachitsanzo, 41% ya mabungwe amderali omwe ali ndi malipoti okalamba ali ndi mwayi wogwira ntchito mpaka 15%, pomwe ena 18% akuti ali ndi mwayi wofikira 25%, malinga ndi Markwood. Komanso, mabungwe ataya anthu ambiri odzipereka pa nthawi ya mliri wa Covid-19.

Panthawi imodzimodziyo, kufunikira kwa chithandizo kwawonjezeka, ndipo zosowa za makasitomala zakhala zovuta kwambiri chifukwa cha mliri komanso kukwera kwa inflation.

“Zonsezi zimakulitsidwa ndi zovuta zachuma zomwe achikulire akumva,” adatero Markwood.

KHN (Kaiser Health News) ndi bwalo lankhani zadziko lonse lomwe limatulutsa utolankhani wozama pazaumoyo. Pamodzi ndi kusanthula kwa mfundo ndi kafukufuku, KHN ndi imodzi mwamadalaivala atatu akuluakulu KFF (Caesar Family Foundation). KFF ndi bungwe lopanda phindu lomwe limapereka chidziwitso pazaumoyo kudziko lonse.

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