Ukuba umama wakho, utata wakho, okanye umntu osondeleyo kuwe unesifo se-Alzheimer, siyazi ukuba kunokuba nzima kangakanani ngokweemvakalelo. Kunzima ukuchaza intlungu oyivayo njengoko ubukele umntu omthandayo etshintsha kancinci aze alahlekelwe yinkumbulo yakhe. Kodwa kukho icala elibaluleke kakhulu kwezi mvakalelo esilibala ukuthetha ngazo ngamanye amaxesha. Elo licala lezemali. Isifo se-Alzheimer yimeko apho iimpawu ziba mandundu kancinci ngokuhamba kwexesha. Ngoko ke uhambo lunokuba lude. Ngoko ke, kubaluleke kakhulu ukucinga kwangaphambili kwaye ucebe ngemali ukuze ujongane naso.
Masiqonde ixabiso lokhathalelo
Isifo sika-Alzheimer sisifo apho iimpawu ezifana nokulahlekelwa yinkumbulo, ukudideka, kunye nobunzima bokuveza iingcinga ziba mandundu ngokuhamba kwexesha. Izigulana zihlala ziphila phakathi kweminyaka emi-4 ne-8 emva kokuba zifunyenwe, kodwa abanye abantu banokuphila ixesha elide ukuya kwiminyaka engama-20. Yingakho kubalulekile ukuba nesicwangciso sexesha elide.
Kodwa khumbula, njengoko isifo siqhubeka, izicwangciso zakho zisenokufuneka zitshintshe.
Nanini na xa kunokwenzeka, ukuba umntu omthandayo unokuthetha ngeemfuno zakhe, mbandakanye kule ngxoxo. Mhlawumbi lonke usapho lungadibana ukuze luthwale lo mthwalo wemali. Mhlawumbi kuya kufuneka ujongane noku wedwa. Nangona kunjalo, ukuba kunokwenzeka, kungcono ukuhlanganisa usapho, izalamane, kunye nabahlobo ukuze bathethe ngezicwangciso zexesha elifutshane nezexesha elide.
Nazi ezinye zeentlobo zeendleko onokujamelana nazo njengoko isifo siqhubeka.
| Uhlobo lweendleko | Inkcazo |
|---|---|
| Iimali zonyango | Iintlawulo zokuya kugqirha, iimvavanyo zokuxilonga, ulawulo lweempawu, kunye nokulandelela. |
| Amayeza nezixhobo | Iindleko zezinto ezifana namayeza achazwe ngugqirha, iivithamini, iimveliso zokhathalelo lolusu, kunye neenapile zabantu abadala. |
| Ukhuseleko lwasekhaya | Ukuba isigulana siphuma endlwini singazi, iindleko zokufaka izitshixo ezikhethekileyo kwiingcango nakwiifestile zendlu, kunye nokwenza igumbi lokuhlambela lingatyibiliki. |
| Amaziko okugcina abantwana emini | Ukuba uya emsebenzini, iindleko zeenkonzo zokhathalelo lwabantu abadala emini zokunyamekela isigulana emini. |
| Inkonzo yasekhaya | Ukuqesha umongikazi okanye umncedisi ukuba anyamekele isigulana ekhaya. |
| Ukhathalelo olupheleleyo | Ixabiso lokufakwa kwikhaya labalupheleyo okanye kwiziko elikhethekileyo elibonelela ngononophelo olusebenza iiyure ezingama-24 ukuba imeko iba mandundu. |
Ziziphi izibonelelo zemali ezikhoyo ukunceda?
Kuqhelekile ukuba uzive usoyika xa ubona ezi ndleko. Nangona kunjalo, kukho iindlela ezahlukeneyo ezinokukunceda uhlawule ezi ndleko.
Umntu omthandayo usenokuba nemali yomhlalaphantsi, imali yokonga imali yakhe , okanye i-Employees' Provident Fund (EPF). Kwakhona, jonga oku kulandelayo:
- I-inshorensi: Bona ukuba banayo na i-inshorensi yobomi okanye i-inshorensi yezempilo. Eminye ipolisi ye-inshorensi ingabandakanya ukhuseleko olukhethekileyo kwiimeko zexesha elide ezifana nale.
- Iinkqubo zoLuntu: Kwezinye iindawo, iitempile, iicawa, okanye eminye imibutho yoluntu ibonelela ngeenkonzo ezifana nokutya kwasimahla okanye okungabizi kakhulu kunye nokuthutha ukuya kugqirha. Oku kunokonga imali.
- Inkxaso kaRhulumente: Kwamanye amazwe, kwiimeko ezinjalo, urhulumente ubonelela ngezibonelelo ezikhethekileyo (ezifana neMedicaid) okanye izibonelelo zokukhubazeka (ezifana neNgeniso yoKhubazeko). Kwilizwe lethu, ungafumanisa nokuba iSebe leeNkonzo zoLuntu linazo naziphi na iinkqubo zokunceda abantu abadala okanye abo banezidingo ezikhethekileyo. Zama ukufumana okungakumbi ngale nto kwiSebe lezoLawulo.
- Ipropati kunye noTyalo-mali: Ukuba banomhlaba, izindlu, okanye olunye utyalo-mali, ingeniso evela kubo ingasetyenziselwa ezi ndleko.
Ukunyamekela nezinye iimbopheleleko zemali.
Ukongeza kwiindleko zokhathalelo, kufuneka uqwalasele nezimali zomntu omthandayo. Oku kuquka ukuhlawula amatyala ngexesha, ukufaka amabango einshorensi, ukuhlawula irhafu yonyaka, kunye nokulawula utyalo-mali lwabo.
Okubaluleke kakhulu: Khumbula, kunokubakho ubuqhetseba bezemali obujoliswe kubantu abadala okanye abagulayo. Ngoko ke lumka kakhulu ngemali yabo nezinto zabo. Kuphephe ukunika iinkcukacha zebhanki kubantu ongabaziyo.
Iingenelo zokufumana uncedo lweengcali
Ukuzama ukwenza konke oku wedwa kunokuba nzima. Ukufumana uncedo lweengcali ngale miba yezemali neyomthetho kunokukunceda ugxile ngokupheleleyo ekukhathaleleni umntu omthandayo.
- Igqwetha: Igqwetha elinolwazi ngemicimbi yezomthetho enxulumene nabantu abadala linokukukhokela. Ingakumbi, ukulungiselela izinto ezifana neWills kunye nePowers of Attorney ngokusemthethweni kunokunceda ekuthinteleni iingxaki ezininzi ezinokuvela kwixesha elizayo.
- Umcebisi wezeMali: Umcebisi wezemali ogxile ekucwangciseni imali yokhathalelo lwabantu abadala unokukunika iingcebiso malunga nendlela yokusebenzisa kakuhle izixhobo zakho kunye nokulawula imali yakho ixesha elide.
Gcina amaxwebhu afunekayo ehlelekile.
Nokuba le misebenzi yezemali uyayenza ngokwakho okanye uyinike ingcali, kubaluleke kakhulu ukugcina amaxwebhu afunekayo kwindawo enye. Oku kuya kukongela ixesha nomgudu. Ngokukhawuleza, qokelela la maxwebhu alandelayo uze uwagcine kwifayile.
- Ulwazi lweakhawunti yebhanki
- Iinkcukacha zeebhili kunye namatyala ekufuneka ahlawulwe
- Ulwazi lweakhawunti yotyalo-mali
- Amaxwebhu anxulumene nemboleko yendlu okanye ingeniso yerenti
- Izivumelwano zepropathi
- Amaxwebhu anxulumene nezinto ezifana neepenshini kunye ne-Employees Provident Fund
- Izatifikethi zesitokhwe kunye nebhondi
- Iincwadi zeWill, kunye negunya lezonyango nelihlala lihleli lokuba ngummeli
Olu hambo lunzima, kodwa ukuba uceba kakuhle kwaye ungathandabuzi ukucela uncedo xa lufuneka, wena nomntu omthandayo niya kukwazi ukudlula kweli xesha lula kancinci.
Umyalezo Wokuya Ekhaya
- Ngenxa yokuba isifo sika-Alzheimer sisifo sexesha elide, sinokuba sisifo semali.Cwangcisa ngokukhawuleza.
- Musa ukuba wedwa kolu hambo. Hlangana nosapho kunye nabahlobo ukuze nixoxe nize nenze izigqibo.
- Fumana ukuqonda okucacileyo ngazo zonke iindleko ezinokubakho . Thetha nogqirha wakho ngale nto.
- Hlola zonke izibonelelo zemali, ezinje ngokonga imali, i-inshorensi, kunye neenkqubo ezisekelwe kuluntu.
- Gcina amaxwebhu asemthethweni ayimfuneko (iincwadi zokugqibela zemiyolelo, iilayisenisi) kunye namaxwebhu ezemali ngokulandelelana.
- Musa ukuthandabuza ukufuna uncedo kwingcali, njengegqwetha okanye umcebisi wezemali.
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