We dɔktɔ tɛl yu se pɔsin na yu famili gɛt Alzaima, i nɔmal fɔ fil lɛk se yu wan ol wɔl dɔn kam fɔ krach. Frɔm da tɛm de, wi kin tink mɔ bɔt di pɔsin in wɛlbɔdi. Wi ɔl atɛnshɔn de pan tin dɛn lɛk if dɛn de gɛt di rayt mɛrɛsin, fɔ go to dɔktɔ di rayt tɛm, ɛn fɔ gɛt di rayt it ɛn drink. Bɔt wit dis kayn sik we kin de fɔ lɔng tɛm, afta sɔm tɛm, wan big prɔblɛm kin kam we nɔbɔdi nɔ kin tink bɔt. Dat na di aspek we gɛt fɔ du wit mɔni biznɛs. Tide, wi go tɔk bɔt di impak we dis sik kin gɛt pan di famili in ikɔmi.
Wetin mek yu nid fɔ tink bɔt dis bifo tɛm ɛn plan?
Fɔ tɔk am simpul wan, Alzaima na sik we de go bifo ɛn i kin wɔs smɔl smɔl as tɛm de go. Dis min se di wok dɛn we yu pɔsin we yu lɛk kin du fɔ insɛf tide nɔ go pɔsibul insay sɔm mɔnt ɔ wan ia. As di sik de go bifo, di ebul we dɛn kin ebul fɔ du dɛn yon biznɛs, disayd fɔ du sɔntin, ɛn fɔ manej mɔni kin go dɔŋ smɔl smɔl.
Imajin, sɔmbɔdi we bin gɛt laysens fɔ drayv ɛn drayv motoka di tɛm we di sik bigin, bɔt as di sik de go bifo, dɛn nɔ go ebul fɔ du dat igen. Sɔmbɔdi we bin de manej dɛn bank akaun go fɔgɛt bɔt am. Bikɔs ɔf tin dɛn lɛk dis, if yu plan bifo tɛm, dat go mek yu, di pɔsin we sik, ɛn di ɔda pipul dɛn na di famili gɛt bɔku fridɔm, pan yu maynd ɛn mɔni. Bifo yu disayd fɔ du sɔntin kwik kwik wan we yu de fred, i go fayn fɔ mek yu tink gud wan ɛn mek plan bifo tɛm.
Aw yu kin bigin fɔ mek gud plan?
Dis nɔto sɔntin we yu wan go ebul fɔ du. I rili impɔtant fɔ mek di wan ol famili kam togɛda ɛn tɔk bɔt dis.
1. Tɔk opin wan: Mek di wan ol famili kam togɛda ɛn tɔk opin wan bɔt di prɔblɛm dɛn we yu go gɛt tumara bambay, di tin dɛn we yu go spɛn, ɛn aw yu go dil wit dɛn. Dis kin tranga fɔ tɔk to pɔsin, bɔt i rili impɔtant.
2. Kɔnsul yu dɔktɔ: Tɔk to yu famili dɔktɔ bɔt dis. I go ebul fɔ gi yu sɔm tin dɛn bɔt aw di sik de go ɛn if nid de, i go sɛn yu to ɔda pipul dɛn we sabi du dɛn wok we go advays yu bɔt dɛn kayn tin ya.
3. Pripia ligal dɔkyumɛnt dɛn: Pan ɔl we di pɔsin stil gɛt gud maynd, i fayn fɔ pripia ligal dɔkyumɛnt dɛn (e.g., Pawa fɔ Atɔ) fɔ tumara bambay. Dis go gi pɔsin we dɛn kin abop pan na in famili di rayt fɔ disayd fɔ du mɔni ɛn mɛrɛsin fɔ di pɔsin if i nɔ ebul fɔ du am.
Us faynɛns opshɔn dɛn wi gɛt na Sri Lanka?
Pan ɔl we kɔntri dɛn lɛk Amɛrika gɛt spɛshal program dɛn lɛk ``Medicare'' ɛn ``Medicaid'' we gɔvmɛnt de rul, wi sistɛm na Sri Lanka difrɛn. Bɔt tin dɛn de we wi kin du bak we wi kin tek advantej pan.
Yu gɛt wɛlbɔdi inshɔrans?
If yu ɔ di pɔsin we sik gɛt prayvet wɛlbɔdi inshɔrans, na di fɔs tin we yu fɔ luk.
- Rid di polisi dɔkyumɛnt gud gud wan: Chɛk yu inshɔrans polisi dɔkyumɛnt fɔ si if i de kɔba sik dɛn we kin tek lɔng tɛm lɛk Alzaima, nyurolɔjik sik, ɛn dimɛnshɔn.
- Fɛn ɔut di rayt tin we dɛn kɔba: Aks ɛksaktɔli ɔmɔs dɛn kɔba fɔ tin dɛn lɛk dɔktɔ in fi, fɔ go na ɔspitul, fɔ tek mɛrɛsin, ɛn fɔ kia fɔ yu na os if nid de.
- Aks kwɛstyɔn dɛn we yu gɛt dawt: If yu nɔ ɔndastand sɔntin, nɔ fred fɔ kɔl di inshɔrans kɔmni ɛn aks fɔ mek dɛn klarify.
Benefit ɛn kɔvarej frɔm di wokples
If di pɔsin we sik ɔ in famili gɛt wok, chɛk wit di dipatmɛnt fɔ di pipul dɛn we de wok na di wokples.
- Sɔm ɔganayzeshɔn dɛn kin gi wɛlbɔdi inshɔrans to di wan dɛn we de wok.
- Dɔn bak, fɛn ɔndastand if yu ɔganayzeshɔn de gi ɛni alawɛns ɔ disabiliti inshɔrans if yu nɔ ebul fɔ wok bikɔs ɔf sik.
Gɔvmɛnt wɛlbɔdi savis
Bɔku bɔku savis dɛn de fɔ fri na gɔvmɛnt ɔspitul dɛn na Sri Lanka. Fɔ go to dɔktɔ dɛn, fɔ du di bɛsis tɛst dɛn, ɛn bɔku pan di mɛrɛsin dɛn we dɛn kin gɛt na ɔspitul, dɛn kin gɛt dɛn fɔ fri. Dat na big trɛnk fɔ di pipul dɛn na wi kɔntri.
Bɔt di tru tin na dat, wit sik we de te lɛk Alzaima, tɛm kin de we wi kin gɛt fɔ pe fɔ spɛns ausayd gɔvmɛnt ɔspitul. Sɔm dia dia mɛrɛsin, spɛshal tɛst, ɛn mɔ if dɛn nid pɔsin fɔ kia fɔ di pɔsin na os (wan `caregiver`), wi fɔ bia dɛn spɛns dɛn de.
Wetin na de men kɔst wae gɛt fɔ du wit Alzaima sik?
If yu no bɔt dɛn spɛns ya bifo tɛm, dat go ɛp yu fɔ mek yu faynɛns plan. Lɛ wi tek wan luk pan di men tin dɛn we pɔsin kin spɛn.
| Di kayn ɛkspɛns we yu de spɛn | Tin dɛn we wi fɔ tink bɔt |
|---|---|
| Medikal fi ɛn tɛst dɛn | Di ɛkspɛns fɔ tin dɛn lɛk fɔ chɛk-ap ɔltɛm na di dɔktɔ, spɛshal fi, fɔ skan bren (CT/MRI skan), ɛn fɔ tɛst blɔd. |
| Mɛrɛsin dɛn we dɛn kin yuz | Di kɔst fɔ mɛrɛsin ɛvri mɔnt fɔ kɔntrol di sik ɛn slo fɔ mek di sik go bifo. Sɔm mɛrɛsin dɛn kin dia. |
| Fɔ Kia na Ɔm | If dɛn gɛt fɔ briŋ pɔsin we tren fɔ kia fɔ di pɔsin na os fɔ kia fɔ di pɔsin, in salari go kɔst bɔku mɔni. |
| Chenj dɛn to di sikyɔriti na os | Di kɔst fɔ chenj dɛn lɛk fɔ instɔl grab bar na di bafa ɛn tayl dɛn we nɔ de slip fɔ mek di pɔsin ebul fɔ muv rawnd sef wan na os. |
| Speshal ikwipmɛnt | As di sik de go bifo, i kin nid fɔ bay ɔ rɛnt spɛshal tin dɛn lɛk wilchia ɛn ɔspitul bed. |
| Di say dɛn we dɛn kin kia fɔ pipul dɛn we de na os | If di sik nɔ go ebul fɔ bia na os na di las stej, di kɔst fɔ nɔs os ɔ spɛshal kia sɛnta kin rili dia. |
If yu tink bifo tɛm ɛn rɛdi fɔ gɛt mɔni, dat go rili ɛp yu ɛn yu famili insay dis tranga waka.
Dis waka nɔto wan we pɔsin fɔ tek in wan. If yu de fes dis chalenj wit sɔpɔt ɛn gud plan, yu kin mek dis tɛm izi fɔ yu ɛn yu peshɛnt we yu lɛk.
Mɛsej we dɛn kin kɛr go na os
- Plan bifo tɛm: Start fɔ tink bɔt mɔni biznɛs kwik afta yu dɔn gɛt di sik we dɛn kɔl Alzaima. Di mɔ we yu de wet, na di mɔ i go at fɔ disayd fɔ du sɔntin.
- Ɔndastand yu inshɔrans: If yu ɔ di pɔsin gɛt prayvet wɛlbɔdi inshɔrans, mek yu no klia wan bɔt di kɔvarej we i gɛt ɛn di tin dɛn we i nɔ ebul fɔ du.
- Tɔk as famili: Tɔk opin wan ɛn ɔnɛs wit yu famili bɔt mɔni ɛn aw fɔ kia fɔ yu tumara bambay. Una disayd fɔ du sɔntin togɛda.
- List di ɛkspɛns: Gɛt wan aidia bɔt di pɔsibul ɛkspɛns dɛn tumara bambay (mɛdisin, ɔs, mɛdikal fi) bifo tɛm.
- Go to dɔktɔ fɔ ɛp yu: Tɔk to yu famili dɔktɔ bɔt dis. I go ɛp yu fɔ gɛt gayd fɔ di sik ɛn wetin fɔ du nɛks.
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