Ukuphila ngokunciphisa ukuhamba kungase kube inselele, kodwa ngenxa yentuthuko kwezobuchwepheshe, izihlalo zabakhubazekile zikagesi seziwushintsho olukhulu kubantu abakhubazekile. Nokho, ukuthola isihlalo esinamasondo sikagesi akulula njengokusithenga esitolo sendawo. Kule bhulogi, sizokuqondisa ezinyathelweni zokuthi ungafaneleka kanjani ukuthola isihlalo esinamasondo esinamandla, siqinisekise ukuthi unolwazi olufanele ukuze wenze inqubo ibe bushelelezi futhi isebenze kahle.
1. Hlola izidingo zakho:
Isinyathelo sokuqala sokufaneleka ukuthola isihlalo esinamasondo esinamandla ukuthola ukuthi usidinga ngempela yini. Izihlalo zabakhubazekile zikagesi zivame ukutuswa kubantu abanobunzima bokuhamba noma abanamandla angaphezulu omzimba alinganiselwe. Ukubonisana nochwepheshe bezokunakekelwa kwempilo, njengodokotela noma umelaphi womzimba, kuzokusiza ukuhlola ngokunembile izidingo zakho nokunquma ukuthi isihlalo esinamasondo esinamandla sikulungele yini.
2. Yenza ukuhlolwa kwe-liquidity:
Uma usunqume ukuthi isihlalo sabakhubazekile esinamandla siyisinqumo esikulungele, isinyathelo esilandelayo ukuhlola ukuhamba. Lokhu kuhlola kuvame ukwenziwa ngumelaphi wemisebenzi (OT), ozohlola izinga lakho lokuhamba kanye nezidingo zomzimba. I-OT izobe isinikeza izincomo ngokusekelwe embikweni wakho wokuhlola.
3. Ukubhala Izidingo Zezempilo:
Ukuze ufaneleke ukuthola isihlalo esinamasondo esinamandla, kufanele ubonise isidingo sokwelashwa. Lokhu kungenziwa ngokuthatha umlando wakho wezokwelapha, okuhlanganisa noma yikuphi ukuxilongwa okuhlobene nokulinganiselwa kwakho kokuhamba, ukulinganiselwa kokusebenza, kanye nemiphumela emisebenzini yakho yokuphila kwansuku zonke. Imibhalo yezokwelapha kufanele igcizelele ukuthi kungani enye idivayisi yokuhamba, njengesihlalo sabakhubazekile, ingafaneleki esimweni sakho.
4. Ukufakwa:
Ezimweni eziningi, umshwalense uzodlala indima ebalulekile ekutholeni isihlalo sabakhubazekile esisebenza ngogesi. Sicela uxhumane nomhlinzeki wakho womshwalense ukuze unqume izinketho zokukhava. Ezinye izinhlelo zomshwalense zingase zidinge ukugunyazwa kwangaphambili noma imibhalo eyengeziwe ukuze kugunyazwe ukuthengwa kwesihlalo esinamasondo esinamandla.
5. I-Medicare ne-Medicaid:
Uma ukhavwe yi-Medicare noma i-Medicaid, ungase ufaneleke futhi ukukhava ngesihlalo sabakhubazekile samandla. I-Medicare Part B ingase ihlanganise ezinye zezindleko, kodwa imibandela ethile idinga ukuhlangatshezwana nayo. Lokhu kuhlanganisa ukuphothulwa kokuhlolwa komuntu mathupha uchwepheshe wezokunakekelwa kwempilo, kanye nemibhalo eyengeziwe ebonisa isidingo sezokwelapha kanye nesidingo sesihlalo esinamasondo esinamandla.
6. Qedela inqubo:
Uma usuwaqedile amaphepha adingekayo futhi waqoqa wonke amaphepha asekelayo, sekuyisikhathi sokukhetha isihlalo esinamasondo sikagesi esifanele izidingo zakho. Kubalulekile ukusebenza nomphakeli ohlonishwayo noma umphakeli wezinto zezokwelapha ezihlala isikhathi eside njengoba bezokusiza uthole isihlalo sabakhubazekile esifanele izidingo zakho ezithile.
Ekuphetheni:
Ukuthenga isihlalo esinamasondo sikagesi kungathuthukisa kakhulu izinga lempilo yomuntu ohamba kancane. Nokho, inqubo yokufaneleka ingaba yinkimbinkimbi. Ngokulandela iziqondiso ezivezwe kule bhulogi, ungakwazi ukuhamba ezinyathelweni ezidingekayo futhi wandise amathuba akho okuthola ngempumelelo isihlalo sabakhubazekile. Khumbula ukuthintana nochwepheshe bezokunakekelwa kwempilo kanye nomhlinzeki womshwalense ongakunikeza isiqondiso somuntu siqu ngokusekelwe esimweni sakho esithile. Ngosizo olufanele, ungaba sendleleni eya ekuguquguqukeni okwandisiwe nokuzimela.
Isikhathi sokuthumela: Jun-16-2023