Uma umama wakho, ubaba wakho, noma umuntu oseduze kakhulu nawe ehlushwa yisifo i-Alzheimer's, siyazi ukuthi kungaba nzima kangakanani ngokomzwelo. Kunzima ukusho ngamazwi usizi oluzwayo njengoba ubuka othandekayo wakho eshintsha kancane kancane futhi elahlekelwa yinkumbulo yakhe. Kodwa kukhona uhlangothi olubaluleke kakhulu lwale mizwa esikhohlwa ukukhuluma ngalo ngezinye izikhathi. Leso uhlangothi lwezezimali. Isifo i-Alzheimer's yisimo lapho izimpawu ziba zimbi kancane kancane ngokuhamba kwesikhathi. Ngakho uhambo lungaba lude. Ngakho-ke, kubaluleke kakhulu ukucabanga kusengaphambili nokuhlela ngokwezimali ukubhekana naso.
Ake siqonde izindleko zokunakekelwa
Isifo i-Alzheimer's yisimo lapho izimpawu ezifana nokulahlekelwa yinkumbulo, ukudideka, kanye nobunzima bokuveza imicabango ziba zimbi kakhulu ngokuhamba kwesikhathi. Iziguli zivame ukuphila phakathi kweminyaka engu-4 nengu-8 ngemva kokuxilongwa, kodwa abanye abantu bangaphila isikhathi eside esingangeminyaka engu-20. Yingakho kubalulekile ukuba nohlelo lwesikhathi eside.
Kodwa khumbula, njengoba isifo siqhubeka, izinhlelo zakho kungase kudingeke zishintshe.
Noma nini lapho kungenzeka, uma othandekayo wakho ekwazi ukukhuluma ngezidingo zakhe, mfake kule ngxoxo. Mhlawumbe wonke umndeni ungahlangana ukuze uthwale lo mthwalo wezezimali. Mhlawumbe kuzodingeka ubhekane nalokhu wedwa. Kodwa-ke, uma kungenzeka, kungcono ukuhlanganisa umndeni, izihlobo, nabangane ukuze baxoxe ngezinhlelo zesikhathi esifushane nezesikhathi eside.
Ngezansi kunezinhlobo zezindleko ongase ubhekane nazo njengoba isifo siqhubeka.
| Uhlobo lwezindleko | Incazelo |
|---|---|
| Imali yezokwelapha | Imali yokuvakashela odokotela, ukuhlolwa kokuxilonga, ukuphathwa kwezimpawu, kanye nokulandelela. |
| Imithi nemishini | Izindleko zezinto ezifana nemithi enqunywe udokotela, amavithamini, imikhiqizo yokunakekela isikhumba, kanye nama-diaper abantu abadala. |
| Ukuphepha kwasekhaya | Uma isiguli siphuma endlini singazi, izindleko zokufaka izingidi ezikhethekile eminyango nasemafasiteleni endlu, kanye nokwenza indlu yokugezela ingasheleli. |
| Izikhungo zokunakekela izingane zasemini | Uma uya emsebenzini, imali yezinsizakalo zokunakekelwa kwabantu abadala emini yokunakekela isiguli emini. |
| Isevisi yasekhaya | Ukuqasha umhlengikazi noma umsizi ukuze anakekele isiguli ekhaya. |
| Ukunakekelwa kwesikhathi esigcwele | Izindleko zokufakwa ekhaya lasebekhulile noma esikhungweni esikhethekile esihlinzeka ngokunakekelwa amahora angama-24 uma isimo siba sibi kakhulu. |
Yiziphi izinsiza zezimali ezitholakalayo zokusiza?
Kuvamile ukuzizwa wesaba uma ubona lezi zindleko. Kodwa-ke, kunezindlela eziningana ezingakusiza ukukhokhela lezi zindleko.
Othandekayo wakho angase abe nempesheni, imali yokonga yomuntu siqu , noma i-Employees' Provident Fund (EPF). Futhi, hlola okulandelayo:
- Umshwalense: Bona ukuthi banawo yini umshwalense wokuphila noma wezempilo. Amanye amapholisi omshwalense angafaka ukumbozwa okukhethekile kwezimo zesikhathi eside njengale.
- Izinhlelo Zomphakathi: Kwezinye izindawo, amathempeli, amasonto, noma ezinye izinhlangano zomphakathi zinikeza izinsizakalo ezifana nokudla kwamahhala noma okungabizi kakhulu kanye nokuhamba ukuya kudokotela. Lokhu kungonga imali.
- Ukusekelwa Kukahulumeni: Kwamanye amazwe, ezimweni ezinjalo, uhulumeni unikeza izinzuzo ezikhethekile (njenge-Medicaid) noma izinzuzo zokukhubazeka (njenge-Disability Income). Ezweni lethu, ungathola futhi ukuthi uMnyango Wezinsizakalo Zezenhlalo unazo yini izinhlelo zokusiza asebekhulile noma labo abanezidingo ezikhethekile. Zama ukuthola okwengeziwe ngalokhu ku-Divisional Secretariat.
- Impahla Nokutshalwa Kwezimali: Uma benomhlaba, izindlu, noma ezinye izimali ezitshaliwe, imali engenayo evela kubo ingasetshenziswa kulezi zindleko.
Nakekela neminye imithwalo yemfanelo yezezimali.
Ngaphezu kwezindleko zokunakekelwa, udinga futhi ukunaka izimali zomuntu omthandayo. Lokhu kuhlanganisa ukukhokha izikweletu ngesikhathi, ukufaka izicelo zomshuwalense, ukukhokha intela yonyaka, kanye nokuphatha ukutshalwa kwezimali kwabo.
Okubaluleke kakhulu: Khumbula, kungase kube nokukhwabanisa kwezezimali okubhekiswe kubantu asebekhulile noma abagulayo. Ngakho-ke qaphela kakhulu ngemali yabo kanye nempahla yabo. Gwema ukunikeza abantu ongabazi imininingwane yasebhange.
Izinzuzo zokuthola usizo lochwepheshe
Ukuzama ukwenza konke lokhu wedwa kungaba nzima kakhulu. Ukuthola usizo lochwepheshe ngalezi zindaba zezimali nezomthetho kungakusiza ukuthi ugxile ngokuphelele ekunakekeleni othandekayo wakho.
- Ummeli: Ummeli onolwazi ngezindaba zomthetho ezihlobene nabantu abadala angakuqondisa. Ikakhulukazi, ukulungiselela izinto ezifana ne -Wills kanye ne-Powers of Attorney ngokusemthethweni kungasiza ekuvimbeleni izinkinga eziningi ezingase zivele esikhathini esizayo.
- Umeluleki Wezezimali: Umeluleki wezezimali ogxile ekuhleleni ezezimali zokunakekelwa kwasebekhulile angakweluleka ngokuthi ungayisebenzisa kanjani kahle imithombo yakho futhi uphathe imali yakho isikhathi eside.
Gcina amadokhumenti adingekayo ehlelekile.
Kungakhathaliseki ukuthi uyazenzela le misebenzi yezezimali noma uyayinika uchwepheshe, kubaluleke kakhulu ukugcina amadokhumenti adingekayo endaweni eyodwa. Lokhu kuzokongela isikhathi nomzamo. Ngokushesha ngangokunokwenzeka, qoqa amadokhumenti alandelayo bese uwagcina efayeleni.
- Ulwazi lwe-akhawunti yasebhange
- Imininingwane yezikweletu nezikweletu okufanele zikhokhwe
- Ulwazi lwe-akhawunti yokutshalwa kwezimali
- Amadokhumenti ahlobene nemali mboleko yendlu noma imali yokuqasha
- Izincwadi zefa
- Imibhalo ehlobene nezinto ezifana nempesheni kanye neSikhwama Sokuhlinzeka Ngezibonelelo Zabasebenzi
- Izitifiketi zesitoko nezibopho
- Amafa, kanye negunya lezokwelapha nelihlala isikhathi eside lokuba ngummeli
Lolu hambo luyinselele, kodwa uma uhlela kahle futhi ungangabazi ukucela usizo uma kudingeka, wena nothandekayo wakho nizokwazi ukudlula kulesi sikhathi kalula.
Umlayezo Wokuya Nawe Ekhaya
- Ngenxa yokuthi isifo i-Alzheimer siyisifo sesikhathi eside, singaba ngokwezimaliHlela ngokushesha okukhulu.
- Ungabi wedwa kulolu hambo. Hlangana nomndeni nabangane ukuze nixoxe futhi nenze izinqumo.
- Thola ukuqonda okucacile ngazo zonke izindleko ezingaba khona . Khuluma nodokotela wakho ngalokhu.
- Hlola zonke izinsiza zezimali, njengokulondoloza imali, umshwalense, kanye nezinhlelo ezisekelwe emphakathini.
- Gcina amadokhumenti asemthethweni adingekayo (izincwadi zokugcina zefa, amalayisense) kanye namadokhumenti ezezimali ngokulandelana.
- Unganqikazi ukufuna usizo lochwepheshe, njengommeli noma umeluleki wezezimali.
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