Medicare me ka Maluhia o ka Lehulehu: Pehea e holo ai?

Anter

• Pehea e hana pū ai ʻo Medicare a me Social Security?
• Uku anei ka palekana kaiāulu no Medicare?
• He aha ka Medicare?
• He aha ka palekana pilikanaka?
• He aha nā pōmaikaʻi līkaia Social Security?
• ʻO wai ka mea i kūpono i ke kōkua no ke ola luhi?
• Nā kāne a me nā kōkua palekana Social Security
• Pehea e pili ai i kou mau makahiki i kāu mau makahiki?
• He aha ka loaʻa kālā palekana kōkua (SSI)?
• ʻO wai ka mea kūpono no SSI?
• He aha ka Insurance Insurance Disability Insurance (SSDI)?
• ʻO wai ka mea kūpono no SSDI?
• ʻO nā makahiki noi a me nā pono ʻo SSDI
• He aha nā pōmaikaʻi ola ola Social?
• ʻO wai ka mea i kūpono i nā pōmaikaʻi e ola ai?
• ʻO ka lawe lawe ʻana

• ʻO Medicare a me Social Security kahi kōkua pekelala e mālama ʻia e pili ana i kāu makahiki, ka helu o nā makahiki āu i uku ai i loko o ka ʻōnaehana, a i ʻole inā he hemahema kou e pono ai.
• Inā loaʻa iā ʻoe nā pono mālama ola, e kau inoa inoa ʻia ʻoe ma Medicare ke koho ʻia ʻoe.
• Hiki ke unuhi ʻia nā uku Medicare mai kāu uku pōmaikaʻi Social Security.

ʻO ka Social Security a me Medicare nā papahana pekelala no nā ʻAmelika e hana hou ʻole ana. Kōkua nā papahana ʻelua i ka poʻe i hiki i ka makahiki līkū a i ʻole he kīnā mau.

Hāʻawi ka Social Security i ke kākoʻo kālā ma ke ʻano o nā uku o ka mahina, ʻoiai ʻo Medicare e hāʻawi i ka ʻinikua olakino. Ua like nā māka no nā papahana ʻelua. ʻO ka ʻoiaʻiʻo, ʻo ka loaʻa ʻana o nā pōmaikaʻi pilikanaka kekahi ala e hiki ai iā ʻoe ke kākau inoa pilikino ʻia i Medicare ke koho ʻia ʻoe.

Pehea e hana pū ai ʻo Medicare a me Social Security?

E loaʻa aunoa iā ʻoe ka Medicare inā e loaʻa ana iā ʻoe ka pakanā Social Security a i ʻole nā ​​pono SSDI. ʻO kahi laʻana, inā ʻoe i lawe i nā pono līkaia e hoʻomaka ana i ka makahiki 62, e hoʻopaʻa inoa ʻia ʻoe i Medicare ʻekolu mau mahina ma mua o kou 65th lā hānau. E kau inoa inoa ʻia ʻoe ke loaʻa iā SSDI no 24 mau mahina.

Pono ʻoe e kau inoa ma Medicare inā huli ʻoe i 65 akā ʻaʻole i lawe i kāu keu pono kaiapili. Na ka Social Security Administration (SSA) a me Medicare e hoʻouna iā ʻoe i kahi pūʻulu "Welina i Medicare" ke kūpono ʻoe e kākau inoa. E hele ka packet iā ʻoe ma waena o kāu Medicare koho a kōkua iā ʻoe e kākau inoa.

E hoʻoholo pū ʻo SSA i ka nui āu e uku ai no ka uhi ʻana o Medicare. ʻAʻole ʻoe e uku i nā uku no ka ʻāpana A inā ʻaʻole ʻoe e hoʻokō i nā lula uhi i kūkā ʻia ma luna, akā e uku ka hapa nui o ka poʻe i kahi uku no ka ʻāpana B.

I ka makahiki 2020, he $ 144.60 ka nui o ke kumu kūʻai maʻamau. E kiʻekiʻe ana kēia kālā inā nui kāu loaʻa kālā. Hoʻohana ka Social Security i kāu mau moʻohelu ʻauhau e hoʻoholo ai i nā helu e pono ai ʻoe e uku.

Inā loaʻa iā ʻoe ma mua o $ 87,000 i kēlā me kēia makahiki, e hoʻouna ana ʻo SSA iā ʻoe i kahi Hōʻemi Hoʻohui Mahina Pili-Loaʻa Loaʻa (IRMAA). E haʻi aku kāu leka IRMAA iā ʻoe i ka nui ma luna o ka uku maʻamau e pono ai e uku. E kuleana pū ʻoe no IRMAA inā koho ʻoe e kūʻai i kahi ʻāpana ʻĀpana D ʻokoʻa a loaʻa iā ʻoe ma kahi o $ 87,000.

Uku anei ka palekana kaiāulu no Medicare?

ʻAʻole uku ka Social Security no Medicare, akā inā loaʻa iā ʻoe nā uku mālama kaiaulu, hiki i kāu Part B premiums ke lawe ʻia mai kāu helu. ʻO kēia ke kumu ma kahi o $ 1,500, no ka laʻana, e loaʻa iā ʻoe $ 1,386.40 a uku ʻia kāu uku hapa B.

I kēia manawa e nānā iā Medicare a me Social Security e hoʻomaopopo he aha kēia mau papahana pono nui, pehea ʻoe e kūpono ai, a me nā mea e pili ana iā ʻoe.

He aha ka Medicare?

ʻO Medicare kahi hoʻolālā ʻinikua olakino i hāʻawi ʻia e ke aupuni pekelala. Mālama ʻia ka papahana e nā Centers for Medicare & Medicaid Services (CMS), kahi keʻena o ka United States Department of Health and Human Services. Loaʻa ka uhi i nā ʻAmelika i hōʻea i ko lākou 65th lā hānau a i ʻole he kīnā mau.

ʻAʻole like me nā hoʻolālā olakino maʻamau, loaʻa ka uhi ʻo Medicare i nā ʻāpana like ʻole:

• He aha ka palekana pilikanaka?

  He polokalamu uku ka nohona pili kai e uku ai i nā pōmaikaʻi i ka poʻe ʻAmelika i hoʻomaha a i ʻole kīnā. Mālama ʻia ka papahana e ka Social Security Administration (SSA). Uku ʻoe i ka Social Security ke hana ʻoe. Lawe ʻia ke kālā mai kāu uku uku i kēlā me kēia wā uku.

  
  

  E loaʻa iā ʻoe nā pōmaikaʻi mai ka Social Security ke hiki ʻole iā ʻoe ke hana ma muli o ke kīnā ʻole a i ʻole ke kū ʻana i kahi makahiki kūpono a kū i ka hana. E loaʻa ʻoe i kāu mau keu pono ma ke ʻano o ka helu mahina a i ʻole ka waihona waihona panakō. ʻO ka nui āu e kūpono ai e kaukaʻi ʻia i ka nui o kāu loaʻa i ka wā e hana ana.

  Hiki iā ʻoe ke noi no nā kōkua palekana inā pili iā ʻoe kekahi o kēia mau hanana:

  • He 62 a ʻoi kou mau makahiki.
  • He kīnā mau kou.
  • Ua make kāu wahine e hana ana a i ʻole e loaʻa ana nā pōmaikaʻi Social Security.

  He aha nā pōmaikaʻi līkaia Social Security?

  Hoʻolālā ʻia nā pōmaikaʻi līkia pili kaiaulu e pani i kahi ʻāpana o ka loaʻa kālā i loaʻa i kēlā me kēia mahina ma mua o kou haʻalele ʻana.

  ʻO wai ka mea i kūpono i ke kōkua no ke ola luhi?

  E like me ka mea i ʻōlelo ʻia, pono ʻoe e hoʻokō i kekahi mau koi e hiki ai ke koho ʻia no nā pono līkaia Social Security. E like me Medicare, pono ʻoe e lilo i kamaʻāina a i ʻole paʻa mau. Pono paha ʻoe e hana a loaʻa i nā hōʻaiʻē. Aia ka nui o nā hōʻaiʻē e pili ana i kāu kūlana a me ke ʻano o ke keu pono āu e noi nei.

  Pono ʻoe ma kahi o 40 mau hōʻaiʻē i mea e noi ai no nā pono hoʻomaha. ʻOiai hiki iā ʻoe ke loaʻa a loaʻa i ʻehā mau hōʻaiʻē i ka makahiki, e loaʻa iā ʻoe nā hōʻaiʻē 40 ma hope o 10 mau makahiki o ka hana. Pili kēia lula i nā mea i hānau ma hope o 1929.

  ʻO ka nui āu e loaʻa ai i kēlā me kēia mahina e pili i kāu loaʻa kālā ma kāu ola e hana nei. Hiki iā ʻoe ke hoʻohana i ka calculator ma ka pūnaewele Social Security e koho ai i kāu pono līkaia.

  Nā kāne a me nā kōkua palekana Social Security

  Hiki i kāu wahine ke koi aku i 50 pakeneka o kāu nui o ke keu inā ʻaʻohe o lākou hōʻaiʻē hana, a i ʻole inā ʻo ʻoe ka mea loaʻa kiʻekiʻe. ʻAʻole kēia e kāʻili i kāu nui pono. ʻO kahi laʻana, e ʻōlelo ʻoe he uku no ka uku hoʻomaha no $ 1,500 a ʻaʻole i hana kāu kāne. Hiki iā ʻoe ke loaʻa i kāu $ 1,500 i kēlā me kēia mahina a hiki i kāu wahine ke loaʻa i $ 750. ʻO kēia ke kumu e loaʻa ai i kou ʻohana $ 2,250 i kēlā me kēia mahina.

  Pehea e pili ai i kou mau makahiki i kāu mau makahiki?

  Hiki iā ʻoe ke noi no nā pōmaikaʻi hoʻomaha o Social Security ke huli ʻoe i 62. Eia nō naʻe, e loaʻa hou ana kāu kālā i kēlā me kēia mahina ke kali ʻoe i kekahi mau makahiki. ʻO ka poʻe e hoʻomaka i ka hōʻiliʻili ʻana i nā pono līkaia ma 62 e loaʻa iā lākou ka 70 pākēneka o kā lākou pono piha. Hiki iā ʻoe ke loaʻa he 100 pākēneka o kāu nui keu pono inā ʻaʻole ʻoe e hoʻomaka i ka hōʻiliʻili ʻana a hiki i ka piha ʻana o ka makahiki o ka luhi.

  ʻO ka piha makahiki piha no nā poʻe i hānau ma hope o 1960 ʻo 67. Inā ʻoe i hānau ʻia ma mua o 1960, e nānā i kēia pakuhi mai Social Security e ʻike ke hiki ʻoe i ka piha makahiki piha.

  He aha ka loaʻa kālā palekana kōkua (SSI)?

  Hiki iā ʻoe ke kūpono no nā keu pono inā he kau palena kāu loaʻa. ʻIke ʻia ma ke ʻano he Income Security Income (SSI), no kēia mau pōmaikaʻi no ka poʻe me ka loaʻa kālā palena ʻole i kūpono i ka Social Security ma muli o ka makahiki a me ke kīnā ʻole.

  ʻO wai ka mea kūpono no SSI?

  Hiki iā ʻoe ke kūpono no SSI inā ʻoe:

  • aia ma kahi o 65
  • makapō ma ke kānāwai
  • he kīnā

  E like me nā pōmaikaʻi Pilikino āpau, pono ʻoe e lilo i kamaʻāina ʻAmelika Hui Pū ʻIa a i ʻole noho kamaʻāina a he palena palena hoʻi ka loaʻa kālā a me nā kumuwaiwai. Eia nō naʻe, e noi ai no SSI, ʻaʻole pono ʻoe i nā hōʻaiʻē hana.

  Hiki iā ʻoe ke loaʻa iā SSI ma waho o ka SSDI a i ʻole nā ​​pono hoʻomaha, akā hiki ke uku kūʻokoʻa ia. ʻO ka nui i loaʻa iā ʻoe ma SSI e hilinaʻi ia i kāu loaʻa kālā mai nā kumuwaiwai ʻē aʻe.

  He aha ka Insurance Insurance Disability Insurance (SSDI)?

  ʻO ka Insurance Insurance Disability Disability kahi ʻano o ka pōmaikaʻi pilikanaka no nā poʻe kīnā a i ʻole nā ​​kūlana olakino e pale ai iā lākou mai ka hana.

  ʻO wai ka mea kūpono no SSDI?

  He ʻokoʻa nā lula ke noi nei ʻoe no SSDI. Pono ʻoe i 40 mau hōʻaiʻē hana inā ʻoe e noi ana i ka makahiki 62 a ʻoi paha.

  I mea e pono ai no SSDI, pono ʻoe:

  • hiki ʻole ke hana ma muli o ke kūlana olakino e hala ma kahi o 12 mau mahina, a i ʻole he maʻi
  • ʻaʻohe kīnā hapa a hapa pōkole paha i kēia manawa
  • hālāwai me ka wehewehe a SSA o kahi kīnā
  • e ʻōpio ma mua o ka piha o ka makahiki līkiʻi

  Hiki iā ʻoe ke hōʻoiaʻiʻo i kou hoʻokō ʻana i kēia pae hoʻohālikelike, a paʻakikī kēia hana. Ke kūpono ʻoe no SSDI, ka nui o ke kīnā āu e loaʻa ai ma muli o kou makahiki a me ka manawa āu i hana ai a uku ʻia i Social Security.

  Hōʻike kēia pākaukau i nā mea e hāʻawi ʻia ai nā pōmaikaʻi ma muli o kou makahiki a me nā makahiki i hana ʻia.

  ʻO nā makahiki noi a me nā pono ʻo SSDI

  Makahiki āu e noi ai:	Ka nui o nā hana āu e pono ai:
  Ma mua o 24	1 mau makahiki o ka hana i nā makahiki 3 i hala iho nei
  Nā makahiki 24 a 30	ʻO ka hapalua o ka manawa ma waena o 21 a me ka manawa o kou kīnā. ʻO kahi laʻana, pono ʻoe i 3 mau makahiki o ka hana inā lilo ʻoe i kīnā ma 27.
  Nā makahiki 31 a 40	5 mau makahiki (20 mau hōʻaiʻē) o ka hana ma loko o nā makahiki he 10 ma mua o kou kīnā ʻole
  44	5 mau makahiki (22 mau hōʻaiʻē) o ka hana ma loko o nā makahiki he ʻumi ma mua o kou kīnā ʻole
  46	6 mau makahiki (24 mau hōʻaiʻē) o ka hana ma loko o nā makahiki he 10 ma mua o kou kīnā
  48	6 ½ mau makahiki (26 mau hōʻaiʻē) o ka hana ma loko o nā makahiki he ʻumi ma mua o kou kīnā ʻole
  50	7 mau makahiki (28 mau hōʻaiʻē) o ka hana ma loko o nā makahiki he 10 ma mua o kou kīnā
  52	7 ½ mau makahiki (30 mau hōʻaiʻē) o ka hana ma loko o nā makahiki he 10 ma mua o kou kīnā ʻole
  54	8 mau makahiki (32 mau hōʻaiʻē) o ka hana ma loko o nā makahiki he ʻumi ma mua o kou kīnā ʻole
  56	8 ½ mau makahiki (34 mau hōʻaiʻē) o ka hana ma loko o nā makahiki he 10 ma mua o kou kīnā
  58	9 mau makahiki (36 mau hōʻaiʻē) o ka hana ma loko o nā makahiki he 10 ma mua o kou kīnā ʻole
  60	9 ½ mau makahiki (38 mau hōʻaiʻē) o ka hana ma loko o nā makahiki he ʻumi ma mua o kou kīnā ʻole

  He aha nā pōmaikaʻi ola ola Social?

  Hiki iā ʻoe ke hoʻopiʻi i nā pōmaikaʻi i koe inā e loaʻa ma kahi o 40 mau hōʻaiʻē i kāu kāne i make. Hiki iā ʻoe ke koi i nā pōmaikaʻi inā make ʻōpio kāu kāne akā ua hana ʻo ia no 1 3 o nā makahiki 3 i koi ʻia ma mua o ko lākou make.

  ʻO wai ka mea i kūpono i nā pōmaikaʻi e ola ai?

  Kūpono nā kāne ola i nā pōmaikaʻi:

  • i nā makahiki inā mālama lākou i nā keiki ma lalo o 16 a i ʻole kīnā
  • ma 50 inā he kīnā ko lākou
  • ma 60 no nā pono hapa
  • i ka piha makahiki piha no 100 pākēneka o ka nui o ke kōkua

  Hiki ke uku ʻia nā keu pono i:

  • ex-spouses
  • nā keiki a hiki i ka 19 e hele mau nei i ke kula kiʻekiʻe
  • nā keiki me ke kino kīnā i hōʻike ʻia ma mua o 22
  • makua
  • keiki hānau
  • moopuna

  Hoʻohui ʻia, hiki i kahi wahine e ola nei a me kā lāua keiki ke loaʻa nā pōmaikaʻi ʻelua. Hiki ke loaʻa nā pōmaikaʻi hui ʻia a hiki i ka 180 pākēneka o ka nui pono mua.

  ʻO ka lawe lawe ʻana

  Kōkua ka Social Security a me Medicare i ka poʻe ʻAmelika e hana ʻole nei ma muli o ka makahiki a me ke kīnā ʻole. ʻAʻole pono ʻoe e loaʻa nā pōmaikaʻi Social Security i mea e pono ai no Medicare.

  Inā ke loaʻa nei iā ʻoe nā pono mālama ola, e kau inoa inoa ʻia ʻoe ma Medicare ke koho ʻia ʻoe. Hiki ke lawe pololei ʻia kāu uku uku Medicare mai kāu uku uku pōmaikaʻi.

  Me ka nānā ʻole i kou mau makahiki, hiki iā ʻoe ke hoʻomaka e noiʻi i kēia manawa e ʻike pehea e hiki ai i ka Social Security a me Medicare ke lilo i ʻāpana o kāu hoʻolālā hoʻomaha.