Ukukhubazeka lixesha elibanzi elithengisa ubuchule bokusebenza ngokuqhelekileyo. Ngokuqhelekileyo isetyenziswe ukubhekisela kwintlupheko, kuba yinyama (ukukhubazeka), inzwa (ukungaboni), ingqiqo (ukugula kwengqondo), ingqondo (ukukhulelwa kwengqondo) okanye impilo yengqondo ( ukukhubazeka kwengqondo ). Umntu unokuthathwa njengengakhubazekanga ukuba unesimo esichaphazela ukukwazi ukusebenza ngaphandle koncedo kwinqanaba elifunekayo ukuze ulondoloze impilo.
Igama lokukhubazeka lisetyenziselwa ukubhekisela kwiprogram yesigqeba kunye neenkqubo zorhulumente ezinika uncedo kulabo abakhubazekileyo. Iinkqubo ezimbini eziqhelekileyo eziwela phantsi kwe-sambulela yokukhubazeka yiNtsholongwane yokuKhubazeka kweNtlalo (SSDI) kunye neNkxaso yeNkxaso yoKhuseleko (Supplemental Security Income). I-Medicare neMedicaid nazo ziyinxalenye yale nkqubo.
Inkonzo Yokhuseleko Lokukhubazeka KweNtlalo (SSDI)
Ngexesha lokuphila kwethu, ininzi yethu siyithenga yomshuwalense kwiingozi zobomi - umlilo, ukuphazamiseka kwemoto, kwanokufa. Into ongaziyo kukuba uhlawule i-inshorensi yokukhubazeka, nayo. Cinga nje nge-inshorensi xa umzimba wakho uvale kakhulu kakhulu (Abbott).
FICA ichazwe
Kuthe phantse imali yonke yokuhlawula imali ichithwe "iFICA" eligama eliqhoshayo loKhuselo loLuntu. Ingxenye yaloo mali, malunga neepesenti ezingama-3 kuyo yonke i-dollar ye-FICA yerhafu, iya kwi-Intshuwalense yoKhubazeka kweNtlalo. Phawula ukuba igama lokugqibela-inshorensi.
Yinto oyihlawuleyo; i-inshorensi xa ungeke usebenze kalula okanye nakubakho ngenxa yeengxaki zonyango. I-SSDI ihlawulelwa kubantu abaye basebenza ngokude ngokwaneleyo, kutshanje ngokwaneleyo-ngokuqhelekileyo, isiqingatha se-10 eyandulelayo. (Abbott).
Ingeniso yeNkxaso yoKhuseleko (SSI)
I-SSI ihlawulwa kubantu abanomvuzo omncinci okanye ongenayo kunye neempahla ezimbalwa kakhulu, abanokwenza okanye abangazange basebenze.
Iintlawulo ze-SSI zixhaswa ngemali yentlawulo kawonkewonke ehlawulwayo (Abbott).
LweMida
I-Medicare i-inshurensi yempilo efumana inkxaso-mboleko kubantu abaneminyaka engama-65; inzuzo yoKhuselo loLuntu. Kukwafumaneka nakwabanye abaye be-SSDI kwiinyanga ezingama-24. Ukufaneleka ngokukhawuleza kufumaneka kwiimeko ezithile ezikhethekileyo, kodwa ngokuqhelekileyo kungekhona ukukhubazeka kwempilo yengqondo. Kwabo bafanelekile kwi-Medicare, i-premium yenyanga iya kugcinwa kwisheke sakho se-SSDI nganye.
Uxilongo
I-Medicaid iyininshuwalense yezempilo ekhoyo kwi-SSI. Ilawulwa lizwe lakho kwaye lixhaswe ngemali ngumbuso karhulumente kunye noorhulumente.