I-Expert on Izidingo Ezikhethekile Izikhombisi Zokubonisa Indlela Ongayenza Ngayo
Uma uye emihlanganweni mayelana nokuhlelwa kwesikhathi esizayo kwengane yakho enezidingo ezikhethekile , noma uchithe isikhathi esiningi nabanye abazali, noma ufunde ama-athikili ngokuhlelwa kwefa, cishe uthole umlayezo okufanele ubeke imali ku-Special Needs Trust ukuze ingane yakho endala ingalahlekelwa izinsizakalo ngenxa yezidingo ezingenayo ezingenayo. Futhi mhlawumbe uhudula izinyawo zakho kulokho, unqikazi ukuthatha enye into eqinile.
Ukuze ngiphume emsebenzini, ngacela uJoanne Marcus, umqondisi omkhulu we-Commonwealth Community Trust (CCT), ukuhamba nathi ngokusebenzisa izinqumo esizozidingayo ukuze sithole ukwethembeka. I-CCT yinhlangano engenzi inzuzo eyasungulwa ngo-1990 izakhamuzi ezithintekayo nabazali bezingane ezikhubazekile ukuhlinzeka ngokuphathwa okusebenzayo futhi okungabizi kwe-Special Needs Trust noma iPoledled Disability Trust futhi benze njengomphathi wezokuphatha ukukhokha. UMarcus uncoma lezi zinyathelo ezinhlanu zokuqala:
1. Qondisisa isidingo seTrust
I-Special Needs Trust ivumela umzali noma umnakekeli ukuba abeke eceleni imali yokunakekelwa kwesikhashana komuntu othandekayo ophila nokukhubazeka ngenkathi evikela izinzuzo zikahulumeni wase-US (Supplemental Security Income and Medicaid) ezibalulekile ekuhlinzekeni ngemithi kanye nemali engenayo okudingekayo ukusekela lowo muntu, "kuchaza uMarcus.
"Ukuze ufanelekele lezi zinzuzo, lowo muntu akanakho imali engaphezu kwama-$ 2,000 ngempahla yekheshi. Isipho semali, ukuhlala, noma ifa lizokhansela lezi zinzuzo, kusale umuntu ngamunye kokubili isidingo sokuphatha imali ngokwabo futhi, cishe , abanakho imali eyanele yokusekela izidingo zabo zokuphila. "
Ukuze uqalise: Cabanga ngalokho okudingekayo isikhathi sokuphila kungaba ngokugcwalisa i-MetDESK Special Needs Calculator.
2. Khetha uhlobo lweTrust olulungile Ingane Yakho
Ukukhetha kwakho ukwethembela kuzokwethwa ukuthi ubani obeka imali kuyo - wena noma ingane yakho. Izintandokazi Ezizidingo Ezikhethekile, amanothi kaMarcus, "axhaswa ngumuntu wesithathu, evame ukuba yilungu lomndeni oseduze njengomzali noma ugogo nomkhulu, futhi angalinganiswa necebo lomndeni womndeni. Ithemba lithembe imali noma impahla umnikazi wesibonelelo eshiya umzuzi womhlomulo . " Ngakolunye uhlangothi, "Izinkampani Zokukhubazeka" ezinokukhubazeka, "zixhaswa ngemali ngumuntu onesifo sokukhubazeka, ngokujwayelekile ngomklomelo wokuzilimaza noma ifa, futhi ingasetshenziselwa izinhlobo ezifanayo zokusetshenziswa kwemali. ephethwe yinkampani engenzi inzuzo futhi kufanele isungulwe ngenyanga efanayo imali eyamukelwe ukuvikela izinzuzo. Ngokungafani ne-Special Needs Trust, lapho izwe lingadingi ukubuyiswa khona uma umzuzi kufanele adlule, i-Pooled Disability Trust iyadingeka ukuze buyisa lokho okusemandleni ekuMilinkini. Umnikezeli angaqoka umuntu noma inhlangano ukuthola izimali ezisele. " Imali kokubili izinhlobo zokuthembela ingasetshenziselwa izinto ezinjengokuthenga isihlalo sabakhubazekile, izinsizakalo zamazinyo, izibuko zeso, izinsiza zokuzwa, imfundo, ukuzijabulisa nokuhamba, ukuhamba kanye nenfenisha nezingubo, "kusho uMarcus.
Ukuze uqalise: Funda kabanzi mayelana Nezinkokhelo Ezidingekile Ezikhethekile Nezinkokhelo Zokukhubazeka Ezihlangene kwi-Commonwealth Community Trust site.
3. Thola Usizo Lomsebenzi
"Abameli bokuhlela izindawo, abahleli bezezimali, nabaphathi bamacala bangaba nombono wabo ngezidingo zesikhathi eside zezezimali ezizofanela ngokufanele 'uma ngabe' izimo," u-Marcus weluleka. "Ngenxa yokuthi imithetho iyinkimbinkimbi futhi iyashintsha njalo, kubalulekile ukukhetha ummeli noma engenzi-nzuzo okugxile kulezi zinhlobo zezinkolelo."
Ukuze uqalise: UMarcus uncoma ukuxhumana no-Commonwealth Community Trust (ngubani ongakwazi ukuphatha amathenda futhi akhonze njengomphathi) kanye ne-Special Needs Alliance (ngubani ongakuxhuma ne-Attorney Planning Planning).
4. Khetha i-Trustee
"Amathemba amabili adinga ukuba kubekwe umphathiswa," kusho uMarcus. "Umphathiswa ulawula futhi athengise izimali zokwethenjwa futhi enze izinkokhelo ezizuzisa kuphela umzuzi. Umphathiswa uphinde abe nesibopho sokubika kuma-ejensi kahulumeni enikeza izinzuzo futhi ahambisane neziqondiso ezishintshayo."
Ukuqalisa: Bheka ishidi lokusebenzela ekukhetheni umphathiswa.
5. Khetha uMmeli.
"Ngokuyinhloko uma kudingwa i-Special Needs Trust, ummeli ukhethwe ngumhlinzeki (imali ngabanye imali) futhi ngokuvamile umuntu oseduze nomzuzi oqonda izifiso zomnikezi nezidingo zomzuzi," kusho uMarcus. "Ummeli usebenza eduze nomphathiswa ekunqumeni ukukhokhelwa okuzogcina izinga lokuphila lomzuzi. Umnikezeli kufanele agcwalise isethi yemiyalelo (amafomu atholakalayo ukusiza kulokhu) ekhombisa ukuthi bafuna kanjani umzuzi ukuba anakekele kubandakanya ukuqamba igama lommeli. "
Ukuze uqalise: Bhala incwadi enenhloso ukuqinisekisa ukuthi labo abenza izinqumo kumntanakho banolwazi abayidingayo.