Ua ʻelemakule kāu keiki i kēia manawa, ʻeā? Pehea ʻoe e hoʻololi ai mai ka mālama keiki i ka mālama ola makua?

Holo koke ka manawa, ʻeā? Ke hoʻomanaʻo nei paha ʻoe i ka lā āu i lawe ai i kāu keiki liʻiliʻi i ke kauka keiki no ka manawa mua. Akā, ʻaʻole e noho liʻiliʻi mau kā kākou mau keiki. Ke hiki mai nei ka manawa no kāu keiki e neʻe ai i ka mālama ola makua. Hiki i kēia hoʻololi ke lilo i mea hoʻoluhi iki no ʻolua a me kāu keiki. Akā, mai hopohopo, inā hoʻomākaukau maikaʻi kākou ʻelua, hiki i kēia ke lilo i hoʻololi maʻalahi i ka wā makua.

Makemake ʻoe e kōkua i kāu keiki liʻiliʻi e loaʻa i kauka hou?

Ke ulu aʻe nā keiki, ʻo ia hoʻi, ke hiki lākou i ka wā ʻōpiopio, loaʻa paha iā lākou ke kauka e mālama i nā pākeke. Kāhea mākou iā lākou he Kauka Mālama Kumu (PCP) . I ka pololei, aia kekahi mau ʻano kauka:

• He kauka lapaʻau kūloko a he internist paha - ʻO kēia ka poʻe i hoʻomaʻamaʻa kūikawā ʻia i ka mālama ʻana i nā maʻi o nā pākeke.
• Kauka lapaʻau ʻohana - Mālama kēia mau kauka i ka ʻohana holoʻokoʻa, mai nā kamaliʻi liʻiliʻi a hiki i nā mākua. No laila, inā hiki i kāu keiki ke ʻike i ke kauka hoʻokahi mai ka wā ʻōpiopio, he mea maikaʻi kēlā.
• Kauka Lapaʻau Laulā (GP) - Hoʻōla kēia poʻe i nā maʻi maʻamau he nui.

Ma ko mākou ʻāina, mālama pinepine nā kauka pediatric i nā pēpē hānau hou a me nā keiki a hiki i ka pau ʻana o ka wā ʻōpio. Eia naʻe, ʻaʻole like kēia palena makahiki ma nā hana pediatric āpau. Ma kekahi mau wahi, ʻaʻole lākou e ʻike i nā keiki ma hope o 18 mau makahiki, ma nā wahi ʻē aʻe e kali iki paha lākou. No laila, he mea nui loa e nīnau i kāu kauka pediatric e pili ana i kēia i ka wā e hiki ai kāu keiki i ka wā ʻōpio.

Eia kekahi laʻana, inā ʻaʻohe āu kauka ʻohana āu e manaʻo nei e ʻike kāu keiki, a inā he maʻi mau ko kāu keiki e pono ai nā lawelawe a kahi loea makua, e noi i kāu kauka pediatric o kēia manawa no kahi kuhikuhi . Hiki paha iā ia ke paipai i kahi loea makua maikaʻi.

I kekahi manawa, inā loaʻa i kāu keiki kahi maʻi laha ʻole , kahi kīnā, a i ʻole kahi maʻi pediatric-onset (kahi maʻi e hoʻomaka ana i ka wā kamaliʻi) , hiki ke lilo i mea paʻakikī iki ka loaʻa ʻana o kahi PCP a loea paha e mālama ana i nā pākeke. ʻO kēia no ka mea pono ʻoe e ʻimi i kahi kauka i makemake a ʻike i ka mālama ʻana i nā keiki me kēia mau maʻi paʻakikī. No laila, he mea naʻauao ke hoʻomaka e ʻimi i kēlā mau kauka i ka wā mua, i ka wā ʻōpiopio o kāu keiki.

ʻO kekahi mea ʻē aʻe, hiki iā ʻoe ke hoʻāʻo i kahi loea hou no kahi manawa hoʻāʻo.E nīnau inā hiki iā ʻoe ke hāʻawi i kāu keiki i ka manawa kūpono e hālāwai me ʻoe. A laila, e kamaʻilio me ke kauka lapaʻau kahiko o kāu keiki a kūkākūkā pehea e hele nei ka ʻike hou, pehea e hele nei nā mea, a pēlā aku. E hāʻawi i kēia kaʻina holoʻokoʻa i ka manawa kūpono. A laila, inā hewa kekahi mea, hiki i kāu keiki ke ʻike i kā lākou kauka lapaʻau kahiko a hiki i kou loaʻa ʻana i kahi kauka makua maikaʻi a kūpono.

E kōkua mākou iā ʻoe e koho i ka ʻinikua olakino kūpono no kāu keiki.

I kēia manawa, e kamaʻilio kākou e pili ana i ka uhi ʻinikua olakino. Inā he mea hilinaʻi kāu keiki ma kāu uhi ʻinikua olakino, e like me ke Kānāwai Mālama Ola Loa (ACA) , hiki i kāu keiki ke uhi ʻia e kāu ʻinikua a hiki i ka piha ʻana o 26 makahiki. ʻAʻole ia he mea nui inā aia ke keiki i ke kula kiʻekiʻe, e noho ana ma ka home, e hana ana, a male paha. Hiki nō iā lākou ke uhi ʻia e kāu kulekele. Ma ko mākou ʻāina, hiki ke ʻokoʻa iki kēia mau lula mai ka ʻoihana ʻinikua a i ka ʻoihana, a mai ka kulekele a i ka kulekele. No laila, ʻoi aku ka maikaʻi o ka nīnau ʻana i kāu ʻoihana ʻinikua e pili ana i kēia.

Inā he mea hilinaʻi kāu keiki ma kahi hoʻolālā mālama ola kino e pili ana i ka hana, pau pinepine kēlā uhi ʻana i ka wā e piha ai ke keiki i 26. No laila, pono ʻoe e hoʻomaka e ʻimi i kahi uhi ʻinikua hou ma mua o kēlā lā. Inā loaʻa iā ʻoe ka ʻinikua ma o kahi ʻōnaehana e like me ka ACA Health Insurance Marketplace, e like me ʻAmelika Hui Pū ʻIa, hiki paha iā ʻoe ke mālama i kēlā ʻinikua a hiki i ka lā 31 o Dekemaba o ka makahiki e piha ai kāu keiki i 26. He ʻokoʻa paha ke kūlana ma ko mākou ʻāina, no laila e heluhelu pono i nā ʻōlelo o kāu kulekele ʻinikua.

He aha nā koho ʻinikua no ke keiki?

Hāʻawi nā ʻoihana he nui i ka uhi mālama ola kino hui ma ke ʻano he ʻāpana o kā lākou pūʻolo pono limahana. Hiki i kēia i nā limahana ke hoʻopilikino i kā lākou hoʻolālā. Hiki iā ia ke hoʻokomo i nā mea e like me ka mālama niho, ka mālama maka, ka mālama pilikia, a me ka mālama olakino maʻamau . Aia paha kekahi mea i kapa ʻia ʻo ka ʻinikua kīnā lōʻihi . ʻO kēia nā pono lapaʻau āu e loaʻa ai inā ʻaʻole hiki iā ʻoe ke hana no ka manawa lōʻihi. Eia nō naʻe, hele mai kēia me kahi uku hou aʻe.

Inā loaʻa iā ʻoe ka ʻinikua ma o kāu mea hana, ʻo ia hoʻi, ma o kou wahi hana, pono kāu keiki e uku no kēia mau mea:

• Uku uku mahina - ʻO kēia ka nui āu e uku ai i kēlā me kēia mahina e mālama ai i ka ʻinikua.
• ʻO nā uku like a me nā uku i uku ʻia ma waho o ka ʻeke nā kumukūʻai āu e uku ai i nā mea lawelawe mālama ola, e like me nā kauka a me nā hale kūʻai lāʻau lapaʻau. ʻO kēia ka hapa o ka uku o ke kauka a i ʻole ke kumukūʻai o ka lāʻau lapaʻau āu e uku ai mai kāu ʻeke ponoʻī.

E noʻonoʻo ʻaʻole i uhi hou ʻia kāu keiki makua e kāu hoʻolālā ʻinikua, ʻaʻole hoʻi ʻo ia i loaʻa ka uhi olakino ma o ka hoʻolālā a kāna mea hana a wahine paha. Inā pēlā, hiki iā lākou ke kūpono no ka uhi ʻana ma lalo o kahi papahana i kapa ʻia ʻo COBRA (Consolidated Omnibus Budget Reconciliation Act) . He kānāwai kēia no ʻAmelika Hui Pū ʻIa e koi ana i nā ʻoihana ʻinikua olakino āpau e hoʻolōʻihi i ka uhi ʻana ma kā lākou mau hoʻolālā hui a hiki i 36 mau mahina no ka poʻe i hilinaʻi mua ʻia.

ʻAʻole hiki wale mai ʻo COBRA. Pono kāu keiki e noi no ia mea. Eia kekahi, pono ʻoe e noi koke no ka mea ua kaupalena ʻia ka manawa kūpono. Akā e hoʻomanaʻo, e ʻoi aku ke kumukūʻai ma mua o ka uku mahina āu i uku ai ma ke ʻano he mea hilinaʻi ma kāu hoʻolālā.

ʻOiai ʻaʻohe ʻōnaehana COBRA kikoʻī e like me kēia ma ko mākou ʻāina, hiki i kekahi mau ʻoihana ʻinikua ke hāʻawi i nā hoʻolālā like ʻole e like me nā hopena no ia mau kūlana. No laila, e nānā pū i kēlā.

ʻO kekahi koho ʻē aʻe, ʻo ia ke koho i ka uhi olakino pilikino ma o ka Marketplace ma HealthCare.gov ma ʻAmelika Hui Pū ʻIa. Hoʻokumu ʻia nā hoʻolālā he nui ma ka loaʻa kālā o kāu keiki makua. Ua kākoʻo ʻia lākou e hoʻolilo iā lākou i mea kūpono. Ma ko mākou ʻāina, hiki iā ʻoe ke loaʻa nā kulekele ʻinikua pilikino ma o nā ʻoihana ʻinikua pilikino. Hiki iā ʻoe ke ʻike hou aʻe e pili ana iā lākou mai kēlā me kēia ʻoihana.

Nā mea e noʻonoʻo pono ai

Aia kekahi mau hihia kūikawā, a he mea maikaʻi no mākou e ʻike i kēlā mau mea pū kekahi.

ʻAʻole hiki i nā ʻoihana ʻinikua ke hōʻole i ka uhi ʻana a i ʻole e uku hou aku no kekahi me ke kūlana mua (he kānāwai kēia ma nā ʻāina he nui, a hiki ke loli ma muli o nā huaʻōlelo o kāu kulekele ʻinikua, no laila e nīnau e pili ana i kēia ke loaʻa iā ʻoe kāu kulekele). Inā he mau pono mālama ola kino kūikawā kāu keiki, loaʻa paha i kāu hoʻolālā ʻinikua kahi paukū kūikawā no nā keiki makua kīnā . ʻAe kēia i nā keiki makua kīnā e noho ma ka hoʻolālā a ko lākou mau mākua me ka ʻole o nā kapu. E nānā e ʻike inā hāʻawi kāu ʻoihana ʻinikua i kēia.

Hiki ke uhi ʻia nā keiki makua me ke kino kīnā ma o nā papahana aupuni e like me Medicaid inā ʻaʻole lawa kā lākou loaʻa kālā e uhi i ke kumukūʻai o nā lawelawe lapaʻau, a inā kūpono lākou no/loaʻa i kahi pono e like me ka Supplemental Security Income (SSI) e like me ʻAmelika Hui Pū ʻIa. Ma ko mākou ʻāina, hāʻawi ke Keʻena o nā Lawelawe Kaiāulu i nā pono like ʻole a me ke kōkua i ka poʻe me ke kino kīnā. Hiki iā ʻoe ke nānā i kēlā.

ʻO ka ʻInikua Palekana Pilikino (SSDI) ma ʻAmelika Hui Pū ʻIa no ka poʻe i kīnā ma mua o 22 mau makahiki.Hiki paha iā ʻoe ke kūpono no ka SSDI. Hāʻawi ʻia kēia mau pono i nā keiki kīnā i uku ʻia e ko lākou mau mākua i ka Social Security i ko lākou ola hana. Inā ua make nā mākua, ua hoʻomaha loa, a i ʻole e loaʻa ana nā pono kīnā, hiki i kēlā mau keiki ke kūpono no kēia mau pono. Ma hope o 24 mau mahina o SSDI, hiki paha iā lākou ke kūpono no Medicare, ka hoʻolālā ʻinikua aupuni o ʻAmelika Hui Pū ʻIa.

Ma Sri Lanka, aia kekahi mau papahana e like me ka Employees Provident Fund (EPF) a me ka Employees Trust Fund (ETF) e hāʻawi ana i kekahi mau pono no kekahi mau pono lapaʻau. He mea nui hoʻi e hoʻomanaʻo he nui nā lawelawe i loaʻa no ka manuahi a i ʻole ma ke kumukūʻai i hoʻemi ʻia ma o ka ʻōnaehana haukapila aupuni.

Pehea e hiki ai iā ʻoe ke kōkua i kāu keiki liʻiliʻi e lilo i mea maʻi kuleana?

Hoʻokumu ʻia ka mālama ola kino makua ma ke kuleana o ka mea maʻi . ʻO ia hoʻi, mai ka hoʻonohonoho ʻana i kahi manawa a hiki i ka hoʻolohe ʻana i ke kauka a hiki i ka lawe ʻana i kāu lāʻau lapaʻau i ka manawa kūpono, ʻo ia kou kuleana. Me kēlā kuleana e hele mai ka mana . No laila, ʻo kāu keiki ka mea nāna e hoʻoholo i kā lākou mau hoʻoholo lapaʻau āpau. A loaʻa iā lākou ke kuleana i ka pilikino e pili ana i kā lākou ʻike lapaʻau āpau. Inā ʻaʻole lākou e koho e kaʻana like me ʻoe, ʻaʻole ʻoe e ʻike i kēlā ʻike. He mea hou paha kēia, no ka mea, i ko lākou wā liʻiliʻi, ua hele nā ​​​​mea āpau ma o ʻoe.

E noʻonoʻo e hele ana kāu kaikamahine a keiki kāne paha e ʻike i ke kauka hoʻokahi. Pono ʻo ia e hiki ke pane i nā nīnau a ke kauka a wehewehe pono i kona mau hopohopo. Pono nō hoʻi ʻo ia e hōʻoia ua maopopo iā ia a hahai i nā ʻōlelo a ke kauka.

I kou wā ʻelemakule, he mea nui e kaʻana like i kāu ʻike lapaʻau me kēlā me kēia mea lawelawe olakino āu e ʻike ai. Hoʻokomo pū kēia i nā mea e like me nā maʻi ma mua, nā ʻoki kino, nā lāʻau lapaʻau, a me nā pale ʻana. Eia kekahi, e hōʻoia e haʻi i kāu kauka inā he mau maʻi ʻaleka kou i nā lāʻau lapaʻau a i ʻole he moʻolelo ʻohana o nā maʻi e like me ke kanesa a i ʻole ka maʻi puʻuwai. E kōkua kēia ʻike i kāu kauka e hana i kahi hōʻailona pololei a hāʻawi i ka lāʻau lapaʻau maikaʻi loa.

E haʻi aku i kāu kaikamahine a keiki kāne paha e mālama i nā kope o kā lākou mau moʻolelo lapaʻau āpau, a me kahi papa inoa o nā lāʻau lapaʻau hou loa. Hiki i kēia ke lilo i mea pono loa i ka wā pilikia.

Eia kekahi, he mea nui e ʻike i ke kauka ke loaʻa iā ʻoe kahi maʻi, a me ka hana ʻana i nā nānā a me nā hoʻokolohua maʻamau . ʻO ke ʻano o nā hoʻokolohua āu e pono ai e hilinaʻi ʻia i ka mōʻaukala olakino pilikino a me ka ʻohana o kāu keiki.

Pehea e hiki ai iaʻu ke kōkua i kaʻu mau keiki e lawe i ke kuleana no ko lākou mālama ola ponoʻī?

Hiki iā ʻoe ke kōkua i kāu keiki e hoʻomaka e mālama pū i kā lākou mālama ola kino i ko lākou wā ʻōpiopio. E hoʻokuʻu mālie iā lākou e hana i kahi hana ikaika. Eia kekahi laʻana, e hoʻokuʻu iā lākou e hana i nā mea e like me ka hoʻonohonoho ʻana i nā manawa a me ka hoʻopiha hou ʻana i nā lāʻau lapaʻau. Kūkulu kēia i ko lākou hilinaʻi iā lākou iho a hōʻike i nā mākua hiki iā lākou ke mālama iā lākou iho.

E noʻonoʻo, i ka wā he 15 a 16 paha makahiki o kāu keiki, ʻōlelo ʻoe iā ia, 'E ke keiki/kaikamahine, e hoʻāʻo e hana i kāu manawa kauka aʻe na ʻoe iho.' I ka wā mua, pono paha ʻoe i ke kōkua iki, akā ma hope o kekahi manawa, e maʻa ʻo ia i ka hana ʻana iā ia iho. Ma o nā mea liʻiliʻi e like me kēia e aʻo ai lākou e lawe i nā kuleana nui.

ʻAʻole hiki ke hoʻololi i ka mālama ola kino makua i ka pō hoʻokahi. Pono e hana mālie. Akā, ʻo ka hoʻolālā ʻana i mua a me ke kamaʻilio ʻana e pili ana i nā mea e manaʻo ai e kōkua nui i nā keiki e hoʻokele i kā lākou mālama ola kino ponoʻī ke hiki mai ka manawa.

No laila, e hoʻohui kākou i kēia a hoʻomanaʻo i ka mea a kākou i kamaʻilio ai? (Leka Lawe-Home)

ʻOiai paha he hana nui ka hoʻoneʻe ʻana i kāu keiki mai ke kula mālama keiki a i ka kula mālama makua, ʻaʻole ia he pilikia inā hoʻokele pono ʻia.

• E hoʻomaka koke: E hoʻomaka e ʻimi i ke kauka hou a e nānā i nā koho ʻinikua i ka wā ʻōpiopio o kāu keiki.
• E kamaʻilio me kāu keiki: E kamaʻilio ākea me ia e pili ana i kēia hoʻololi a me kāna mau kuleana hou. E hoʻolohe i kona mau manaʻo.
• Kōkua i ka loaʻa ʻana o ke kauka maikaʻi: E kōkua i kāu keiki e koho i ke kauka kūpono no kā lākou mau pono a me kekahi e hiki iā lākou ke kamaʻilio maʻalahi. He mea nui loa kēia inā loaʻa i kāu keiki kahi maʻi mau a i ʻole nā ​​​​pono kūikawā.
• E makaʻala e pili ana i ka ʻinikua: E noiʻi i ka lōʻihi o ka uhi ʻinikua o kāu keiki a me nā koho i loaʻa inā makemake ʻoe i kahi ʻinikua hou.
• Paipai i ke kuleana: E aʻo mālie i kāu keiki e lawe i ke kuleana no ko lākou olakino ponoʻī, ka ʻike lapaʻau, a me nā manawa i koho ʻia e ke kauka. E kūkulu i ka hilinaʻi e hiki iā lākou ke hana i kēia mau mea ma o lākou iho.
• Pono mau kāu kōkua: ʻOiai ua ʻelemakule kāu keiki, he mea waiwai nui kāu alakaʻi a me ke kākoʻo i kēia wā hoʻololi.

E hoʻomanaʻo, he ʻanuʻu koʻikoʻi kēia ma ka huakaʻi a kāu keiki e lilo ai i kanaka makua kūʻokoʻa. Me kou aloha a me ke kākoʻo, ʻaʻole ia he mea paʻakikī iā lākou ke lanakila ma luna o kēia pilikia!

Ola kino o ke keiki, mālama ola kino o nā mākua, mālama ola kino o nā keiki, ʻinikua ola kino, olakino ʻōpio, hoʻololi olakino, ʻōlelo aʻoaʻo no ka mālama ʻana i nā mākua