N'zovuta kufotokoza momwe zimakhalira kudziwa kuti amayi anu, abambo anu, kapena munthu wina wapafupi nanu ali ndi matenda a Alzheimer's. Poyamba, amatha kuchita ntchito za tsiku ndi tsiku, monga kusamalira ndalama, monga mwachizolowezi. Koma tikudziwa kuti pamene matendawa akupita patsogolo, luso lokumbukira ndi kupanga zisankho limachepa. Panthawiyo, tiyenera kupanga zisankho zomwe zingawathandize. Iyi si ntchito yophweka. Koma musadandaule, ngati tikonzekera zinthuzi pasadakhale, tingachepetse nkhawa pabanja.
Kufunika kokonzekera zikalata zalamulo pasadakhale
Chofunika kwambiri chomwe tingachite ndi kuganizira pasadakhale ndikupanga zikalata zomveka bwino zalamulo. Kudzera m'zikalatazi, ngati wodwalayo sakuthanso kupanga zisankho zokhudzana ndi thanzi lake ndi ndalama zake, akhoza kupereka zisankhozo kwa wina.
Chofunika kwambiri ndikutenga nawo mbali wodwalayo pazinthu izi akadali ndi maganizo abwino komanso ali ndi malingaliro abwino kuti athe kusaina chikalata mwalamulo. Kenako zisankho zimenezo zidzapangidwa malinga ndi zomwe akufuna .
Mukakambirana nkhani zimenezi, ndi bwino kupempha thandizo kwa loya. Loya yemwe ndi katswiri pa nkhani zamalamulo zokhudza okalamba (malamulo a okalamba) angakuthandizeni pa mavuto omwe mungakumane nawo panjira.
Kodi ndi zikalata ziti zalamulo zofunika kwambiri zomwe tiyenera kuziganizira?
Pokonzekera zamtsogolo, ndikofunikira kulankhula ndi dokotala wanu komanso loya kuti mumvetse zikalatazi. Ngakhale zina mwa izi zitha kusiyana ndi dongosolo la dziko lathu, ndikofunikira kumvetsetsa lingaliro loyambira.
| Dzina la Chikalata | Mwachidule, kodi chimachitika ndi chiyani ndi izi? |
|---|---|
| Ulamuliro | Pamene wodwala matenda a Alzheimer salinso ndi mphamvu zopangira zisankho, zomwe zimapatsa munthu wina (munthu wodalirika) mphamvu zopangira zisankho zachuma ndi zamalamulo m'malo mwake. |
| Mphamvu ya Loya wa Zaumoyo | Kusankha munthu woti apange zisankho zonse zokhudzana ndi thanzi m'malo mwa wodwalayo, monga chithandizo chamankhwala, kusankha madokotala, ndi chisamaliro cha kumapeto kwa moyo. |
| Chifuniro Chamoyo | Ngati munthu wadwala kwambiri kapena wagwa mu chikomokere, ndikofunikira kusankha pasadakhale ndikulemba ngati ayenera kupatsidwa chithandizo cha moyo kapena ayi. |
| Zitetezo Zamoyo | Kusankha trasti (munthu kapena bungwe monga banki) kuti aziyang'anira katundu wawo (katundu). Wodwala akalephera kuyang'anira katundu wawo, trasti uyu amaika ndalama zake ndikuziyang'anira mosamala. |
| Chifuniro | Ichi ndi chinthu chomwe anthu ambiri amachidziwa bwino. Ndi chikalata chomwe chimatchula munthu amene adzayang'anira katundu wanu (woyang'anira katundu) ndi anthu omwe ayenera kulandira (opindula) mukamwalira. |
Kodi mumakonzekera bwanji ndalama zanu?
Ndikofunikanso kukonzekera momwe mudzalipirire chithandizo chamankhwala ndi ndalama zogulira zinthu zofunika pa moyo mtsogolo. Izi zitha kukhala zovuta kukambirana, koma ndikofunikira kuchita izi mtsogolo mwa aliyense m'banjamo.
Choyamba ndi kukhala oona mtima pankhani ya zachuma za banja lanu. Kambiranani chilichonse popanda kubisa chilichonse.
Nazi zinthu zingapo zoti muchite:
- Lembani mndandanda wa katundu yense: Sonkhanitsani zikalata zonse zachuma zomwe wokondedwa wanu ali nazo, monga katundu, zikalata za malo, tsatanetsatane wa akaunti ya banki, zikalata za bond, inshuwalansi, ndi zina zotero pamalo amodzi. Musaphonye chilichonse.
- Gwirani ntchito ndi mlangizi woyenerera: Lankhulani ndi munthu monga wokonza zachuma, wowerengera ndalama, kapena loya kuti mukambirane za ndalama zomwe mudzagwiritse ntchito, njira zopezera ndalama mtsogolo, ndi njira zopezera mwayi wopezera ndalama zochotsera msonkho.
- Lembani ndalama zomwe zikubwera:Izi ndizofunikira kwambiri. Lembani mndandanda wa ndalama zonse zomwe mukuyembekezera kuwononga m'zaka zingapo zikubwerazi.
- Chithandizo chamankhwala chopitilira
- Mankhwala olembedwa ndi dokotala
- Ntchito zosamalira
- Zinthu zosamalira thupi, mwachitsanzo, zinthu zoletsa kudziletsa kapena zakudya zinazake zapadera.
Mukakonzekera pasadakhale chonchi, mudzakhala okonzeka kukumana ndi mavuto popanda kuchita mantha. Kumbukirani, zonsezi ndi zokhudza kuteteza tsogolo la wokondedwa wanu.
Uthenga Wopita Nawo Kunyumba
- Yambani kukonzekera nkhani zalamulo ndi zachuma za wodwalayo kumayambiriro kwa matenda a Alzheimer's. Musazengereze.
- Bola ngati wodwalayo ali ndi mphamvu zamaganizo zopangira zisankho, muphatikizepo mu mapulani awa. Ndi ufulu wawo.
- Funsani loya za zikalata zofunika monga Power of Attorney ndi Living Will.
- Kumvetsetsa ndalama zonse zomwe zingagulitsidwe mtsogolo ndikukonzekera dongosolo la ndalama.
- Mukamachita zonsezi, nthawi zonse muziika patsogolo zofuna ndi ulemu wa wokondedwa wanu. Chitani zinthu m'njira yolemekeza ulemu wawo.
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