Umhlaza wamabele sisisongelo sezemali Akukho mntu uthetha Ngayo

Umxholo

• Iindleko eziMangalisayo zomhlaza webele
• Iindleko ziluchaphazela njani unyango
• Ayipheli ngonyango
• Ungenzani?
• Uphengululo lwe

Njengokuba ukufumana isifo somhlaza wamabele bekungoyiki ngokwaneleyo, inye into engathethwayo malunga nokuba kufanelekile kukuba unyango lubiza kakhulu, oko kusoloko kubangela umthwalo wabasetyhini kwabachaphazelekayo sesi sifo. Ngelixa oku kunokusebenza kwi nayiphi na umhlaza okanye ukugula, kuqikelelwa ukuba ama-300,000 abasetyhini base-US bayakufunyaniswa benomhlaza wamabele ngo-2017. Ngapha koko, umhlaza webele uthwala umthwalo owahlukileyo wokwakhiwa ngokutsha kwamabele emva kwe-mastectomy ethi, nangona iyinxalenye ebalulekileyo yokuchacha ngokweemvakalelo kwabasetyhini abaninzi, ihlala ibiza kakhulu Inkqubo.

Kunzima ukukhomba ngokuthe ngqo ukuba zingakanani iindleko zonyango lomhlaza wamabele ngokomndilili kuba zininzi izinto ezinokuguquguquka: iminyaka, inqanaba lomhlaza, uhlobo lomhlaza, kunye nokhuseleko lwe-inshurensi. Kodwa inyani kukuba "ubutyhefu obubangelwa yimali" ngenxa yonyango lomhlaza wamabele ngokuqinisekileyo buqhelekile kunokuba kufanelekile. Kungenxa yoko le nto sithethe nabasindileyo, ogqirha, kunye nabo babandakanyeka ekungenzelweni ngumhlaza ukufumana ifuthe lokwenyani kwezemali lokuchongwa komhlaza webele.

Iindleko eziMangalisayo zomhlaza webele

Uphononongo luka-2017 olupapashwe kwi Umhlaza wamabele uphando kunye nonyango yafumanisa ukuba iindleko zonyango ngonyaka kumfazi ongaphantsi kweminyaka engama-45 onomhlaza webele zazingama-97,486 eedola ngaphezu kowesifazana okwiqela elineminyaka yobudala engenawo umhlaza webele. Kwabasetyhini abaneminyaka eyi-45 ukuya kwi-64, iindleko ezongezelelweyo zaziyi-$ 75,737 ngaphezulu xa kuthelekiswa nabasetyhini abangenawo umhlaza webele. Abafazi ababekolu phando babene-inshurensi, ngoko babengayihlawuli yonke le mali ngaphandle kwepokotho. Kodwa njengoko nabani na one-inshurensi eyazi, kukho iindleko ezihamba kunye nonyango, njengokutsalwa kwemali, ukuhlawulwa ngokubambisana, iingcali ezingaphandle kwenethiwekhi, kunye neenkqubo ezihlawulwa kuphela kwi-70 okanye i-80 yepesenti yeendleko zabo ezipheleleyo. Xa kuziwa kumhlaza ngokuthe ngqo, unyango lovavanyo, izimvo zesithathu, iingcali ezingaphandle kwengingqi, kunye nokuthunyelwa kuvavanyo kunye notyelelo lukagqirha ngaphandle kwekhowudi ye-inshurensi efanelekileyo nako akunakugqunywa.

Uphando lwakutsha nje olwenziwa yi-Pink Fund, i-nonprofit ebonelela ngoncedo lwemali kwizigulana eziphantsi konyango lomhlaza wamabele, yafumanisa ukuba i-64 pesenti yabasindileyo bomhlaza webele abaphononongeyo bahlawula ukuya kuthi ga kwi-5,000 yeedola ngaphandle kwepokotho yonyango; abangama-21 ekhulwini bahlawula phakathi kwee-$5 000 nee-$10 000; kwaye iipesenti ezili-16 zahlawula ngaphezu kwe- $ 10,000. Ukuthathela ingqalelo ukuba ngaphezulu kwesiqingatha samaMelika anemali engaphantsi kweedola ezili-1 000 kwiiakhawunti zabo zokonga, nditsho nalawo akwelona nqanaba liphantsi lokuphuma epokothweni anokujamelana nobunzima bezezimali ngenxa yokufumanisa isifo.

Ke bayifumana phi imali yokuhlawula unyango? Uphando lwePink Fund lufumanise ukuba iipesenti ezingama-26 zibeka imali yabo epokothweni kwikhadi letyala, iipesenti ezingama-47 zithathe imali kwiiakhawunti zabo zomhlalaphantsi, iipesenti ezingama-46 zinciphise inkcitho kwizinto ezinjengokutya nempahla, kunye neepesenti ezingama-23 zonyusa iiyure zomsebenzi ngexesha lonyango ngemali eyongezelelweyo. Ngokukrakra. Aba bafazi babesebenza Kaninzi ngexesha lonyango lwabo ukuze bayihlawule.

Iindleko ziluchaphazela njani unyango

Ulungele isothuso? Phantse kwikota yesithathu yabasetyhini kuvavanyo kuthathelwa ingqalelo ukutsiba inxenye yonyango lwabo ngenxa yemali, kwaye iipesenti ezingama-41 zabasetyhini baxela ukuba khange balandele iinkqubo zabo zonyango ngenxa yeendleko. Abanye babasetyhini bathathe ngaphantsi amayeza abo kunokuba bebefanele ukuba benze, abanye baye batsiba iimvavanyo kunye neenkqubo ezicetyiswayo, kwaye abanye abazange bade bazalise ummiselo. Ngelixa idatha ingekho malunga nokuba la manyathelo okonga achaphazele njani unyango lwabasetyhini, akukho mntu kufuneka achase isicwangciso sonyango esimiselwe ngugqirha ngenxa yemali.

Ayipheli ngonyango

Enyanisweni, abanye baphikisa ngelithi oko kwenzeka emva Unyango olubeka umngcipheko omkhulu kwizimali zabasetyhini. Nje ukuba inxalenye yonyango yokulwa nomhlaza iphelile, abaninzi abasindileyo kufuneka benze ukhetho olunzima malunga notyando lokwakhiwa ngokutsha kwamabele. "Ixabiso leendleko linempembelelo enkulu kwisigqibo somfazi sokufumana (okanye ukungafumani) ukwakhiwa kwakhona," utshilo uMorgan Hare, umseki kunye nelungu lebhodi ye-AiRS Foundation, inhlangano engenzi nzuzo encedisa abafazi ekuhlawuleleni utyando lokuvuselela amabele xa bengakwazi. ukuyifumana. "Nokuba angabinayo i-inshurensi, umntu obhinqileyo usenokungabinayo imali yokuhlawulela intlawulo-co, okanye angabinayo i-inshurensi kwaphela. Uninzi lwabasetyhini abafaka izicelo kuthi zesibonelelo bakwinqanaba lentlupheko kwaye 'Hlangana nentlawulo-ntlawulo. " Kungenxa yokuba ngokukaHare, ixabiso lotyando lokuvuselela lisuka kwi-10,000 yeedola ukuya phezulu kwi-150,000 yeedola, kuxhomekeke kuhlobo lolwakhiwo ngokutsha.Nokuba uhlawula nje inxalenye yoko kwi-co-pay, inokubiza kakhulu.

Kutheni le nto ingumcimbi omkhulu kangaka? Ewe, uphando lubonise kaninzi ukuba "ukwakhiwa kwakhona kwamabele yinxalenye enkulu yokuziva uphilile kwaye uphilile kwakhona emva kotyando lomhlaza wamabele," utshilo u-Alexes Hazen, MD, umlawuli weZiko loBugcisa le-NYU kunye nelungu lebhodi ye-AiRS Foundation. Oko kwenza ukuba kube lukhetho olunzima kakhulu ukwenza isigqibo sokuba ungalwenzi utyando ngenxa yezizathu zezimali-nangona kukho izizathu ezininzi ezisemthethweni zokungafuni ukwenza utyando lokuvuselela emva kwe-mastectomy.

Kananjalo ayinakuhoywa ukuba kukho icandelo lempilo yengqondo ekufumaneni umhlaza wamabele. "Umhlaza webele uthathe uxinzelelo olukhulu kwimpilo yam yengqondo," utshilo uJennifer Bolstad, owayeneminyaka engama-32 ubudala xa kwafunyaniswa ukuba unomhlaza wamabele ngo-2008. Ngelixa wayengugqirha olungileyo kum, wayengekho kwinethiwekhi yam yesicwangciso seinshurensi, ke sathetha-thethana ngeyure ngeyure eyayingaphezulu komvuzo endandiza kuwubhatala, kodwa kakhulu, yayingaphantsi kakhulu kwinto aqhele ukuyihlawulisa. ," uthi. “Yaphela iyinxalenye ebalulekileyo yokuchacha kwam, kodwa iminyaka ibingumthwalo wemali kum zombini kwaye "Ukuze ndimncede aphile kwisifo somhlaza webele, uBolstad ufumene isibonelelo esivela kwi-Samfund, umbutho oxhasa abantu abaselula abanomhlaza njengoko befumana imali kunyango lomhlaza.

Impilo yengqondo neyomzimba yamaxhoba inokubangela iingxaki emsebenzini. Uphando olufanayo lwePink Fund olukhankanywe ngaphambilana lukwafumanise ukuba ama-36 eepesenti abasindileyo abaye bawahlola baphulukana nemisebenzi yabo okanye abakwazanga ukuwenza ngenxa yokudodobala konyango. "Xa ndafunyaniswa ngo-2009, bendiqhuba iminyhadala ephumelelayo kunye ne-arhente ye-PR, utshilo uMelanie Young, osindileyo kumhlaza wamabele kunye nombhali Ukukhupha Izinto Esifubeni Sam: Isikhokelo Sabasindileyo Ukuhlala Ungoyiki kwaye Umhle ngobuso boMhlaza Webele. "Ngelo xesha, ndafumana 'i-chemo-brain' engalindelekanga, inkungu yengqondo ininzi yezigulana ezinomhlaza kodwa akukho mntu ukulumkisayo, nto leyo eyenze kwanzima ukugxila, kugxila kwezemali nokwenza ishishini elitsha." U-Young wagqiba ekubeni alivale ishishini lakhe kwaye ngokwenene wacinga ukufaka isicelo sokubhanga. Igqwetha lakhe lamcenga ukuba athethe nabatyalayo. Uyenzile, kwaye yamvumela ukuba asebenze ekuhlawuleni amatyala akhe. (Idibeneyo: Iindleko eziPhakamileyo zokungabikho komntwana: Abafazi basengozini yokuchithwa koMntwana)

Inyani yile, uninzi lwabasetyhini alunakho ukusebenza kwinqanaba elifanayo nelalisebenza ngaphambi komhlaza, u-Young ucacisa. "Banokuba nokusikelwa umda emzimbeni, amandla amancinci, okanye izizathu zovakalelo (kubandakanya i-chemo-brain engapheliyo) okanye ezinye iziphumo ebezingalindelekanga." Ngaphezu koko, ukugula komntu omnye ngamanye amaxesha kungakhokelela kwiqabane lakhe okanye kumalungu osapho ukuba athathe ikhefu emsebenzini-uhlala engabhatalwanga-nto leyo enokuthi ikhokelele ekuphulukaneni nomsebenzi wabo xa befuna kakhulu.

Ungenzani?

Ngokucacileyo, konke oku kongezela kwimeko yezemali engaphantsi kokufanelekileyo. Kubalulekile ukuqonda indlela onokuzikhusela ngayo, kuba ngelixa kukho imibutho enokunceda ekuhlawuleni unyango olufana nePink Fund, iSamfund, iSiseko seAiRS, nokunye okuninzi, kunokwenzeka ukuba uzilungiselele ngokwaneleyo ngokwezemali kwisifo esibi.

"Kule mihla, inyani yokuba umntu omnye kwabathathu baseMelika uzakufumana isifo somhlaza kwaye owasetyhini omnye kwabasi-8 uxilongo lomhlaza webele, elona nyathelo libalulekileyo umntu anokulenza kukuthenga umgaqo-nkqubo wokukhubazeka, ngakumbi xa umncinci kwaye ukwimo, "Ucacisa uMolly MacDonald, umseki wePink Fund kunye nowasinda kumhlaza wamabele. Ukuba awukwazi ukuyifumana ngomqeshi wakho, unokuyithenga ngenkampani yabucala yeinshurensi.

Ukuba unako ukuyifumana, sebenzela ukubeka imali eninzi kangangoko unako kwimali oyigcinileyo. Ngaloo ndlela, akuyi kufuneka ungene kwiingxowa-mali zomhlalaphantsi ukuze uhlawulele unyango okanye uyibeke yonke kwikhadi letyala. Okokugqibela, "qiniseka ukuba umgaqo-nkqubo weinshurensi yezempilo yomelele njengoko unokufikelela ngokubhekisele kwipremiyamu yenyanga," ucebisa uMacDonald. Kungabonakala ngathi licebo elilungileyo ukuya kweso sicwangciso sitsalwa kakhulu ukuba ufuna ukonga imali, kodwa ukuba awunayo imali yokubuyela umva, ayisiyiyo eyona ndlela ikhuselekileyo. Thatha naliphi na inyathelo onako ukuze ukwazi ukulawula ngakumbi ukuba ujongene nokuxilongwa okungalawulekiyo.

Uphengululo lwe