Ukulungiselela umhlala-phantsi xa une-MS

Umxholo

• 1. Vavanya impilo yakho
• 2. Khawuthelekelele nje ukuba ufuna ukuhlala phi
• 3. Fumana ukhetho lwakho lwezemali ngokulandelelana
• 4. Gcina iirekhodi ezifanelekileyo
• 5. Qesha umcebisi
• 5. Fumana uhlahlo-lwabiwo mali
• 6. Lungiselela umhlala-phantsi ngaphambi kwexesha
• 7. Qwalasela iimfuno zakho zokhathalelo lwexesha elizayo
• Yise kude

Ukulungiselela umhlala phantsi kuthatha ingcinga ezininzi. Zininzi izinto ekufuneka ziqwalaselwe. Ngaba uza kuba nemali eyoneleyo yokuhlawula indlela ophila ngayo ngoku? Ngaba ikhaya lakho linokuhlala nakuphi na ukukhubazeka kwixesha elizayo? Ukuba akunjalo, uyakwazi ukuhamba?

Xa uhlala nesifo esingalindelekanga njenge-multiple sclerosis (MS), ukucwangciswa komhlala-phantsi kuthatha ubukhulu obahlukileyo. Okokuqala, kunzima ukubona kusengaphambili xa kuya kufuneka uyeke ukusebenza. Awuzazi ngqo iintlobo zeendawo zokuhlala ezizodwa oza kuhlala uzimele kwixesha elizayo.

Iindaba ezimnandi zezokuba umhlala-phantsi uyinyani kubantu abaninzi abane-MS. Inkqubela phambili yonyango iphuculwe ukuya kuthi ga kwindawo apho uninzi lwabantu abane-MS banokuhlala khona phantse ixesha elide njengabantu abangenayo i-MS.

Ngoku lixesha elifanelekileyo lokuthatha imeko yezempilo, yokuphila, kunye neemeko zemali. Qala ukucinga ngendlela oceba ukufumana ngayo xa ungasafumani ntlawulo.

1. Vavanya impilo yakho

Inkqubo ye-MS kunokuba nzima ukuyichaza. Unokuba ungakhubazekanga ubomi bakho bonke, okanye unokuba nengxaki yokujikeleza. Sebenzisa impilo yakho yangoku ukunceda ukuba uqaphele ukuba ikamva lakho linokujongeka kanjani.

Ngaba amayeza akho alawula iimpawu zakho? Ngaba sihamba ngokukhawuleza kangakanani isifo sakho? Buza ugqirha wakho ukuba akunike umbono okhululekileyo wento onokuyilindela kamva ebomini ngokuxhomekeke kuhlobo lwe-MS onalo, kunye nendlela esiqhubeka ngayo esi sifo.

2. Khawuthelekelele nje ukuba ufuna ukuhlala phi

Uzibona ukuphi kule minyaka yakho yegolide? Cinga ngendawo ongathanda ukuhlala kuyo xa sele uthathe umhlalaphantsi. Ngaba uceba ukuhlala ekhayeni lakho? Ukuba kunjalo, unokufuna ukwenza indawo yokuhlala ukuze uncede ujikeleze ngokuhamba kancinci.

Ngaba uyafuna ukuthatha umhlala-phantsi endaweni ethile enendawo yokuhlala enjengeyokuhlala, njengendlu yelibi okanye ikhondomu yolwandlekazi? Ukuba kunjalo, ngaba bakho abantu obathandayo abakufuphi abaza kukunceda bakukhathalele xa ufuna uncedo?

3. Fumana ukhetho lwakho lwezemali ngokulandelelana

Uya kuba bhetyebhetye ngakumbi ngexesha lomhlala phantsi ukuba uthe wonge imali eyoneleyo. Yandisa amandla akho okonga. Bekela bucala imali yeemfuno zemihla ngemihla kunye neendleko ezingalindelekanga. Emva koko, beka isiqwenga semali kwikamva.

Jonga kuyo nayiphi na ipotifoliyo yotyalomali onokuba unayo. Qiniseka ukuba ulukhulisa kakhulu utyalo-mali lwakho lomhlala-phantsi ngentlawulo nganye, ke uya konga imali ngokuhamba kwexesha. Ngamaxesha athile phinda ujonge utyalo-mali lwakho lwangoku ukuze uqiniseke ukuba unelungelo lokufumana umvuzo olungileyo.

Ungonga ngakumbi xa usebenzisa imali encinci. Zinciphise kwizinto ezingabalulekanga nakwezintofontofo. Jonga ukuba ungazifumana naziphi na izibonelelo okanye iinkqubo zikarhulumente ezinje ngeMedicare, Medicaid, VA izibonelelo, Ingeniso yoKhuseleko yoNgezelelo, kunye nokuncitshiswa kwerhafu. Oku kunokukunceda ugcine imali.

4. Gcina iirekhodi ezifanelekileyo

Ukulungela izibonelelo ezithile zonyango kunye nezemali, kuya kufuneka unikezele ngeerekhodi. Gcina onke amaphepha abalulekileyo kwindawo enye, ekulula ukuyifumana:

• isetifiketi sokuzala
• ukujonga kunye nokugcina ulwazi lweakhawunti
• Iingxelo zekhadi letyala
• Izibonelelo zabasebenzi
• iipolisi zeinshurensi (ukukhubazeka, impilo, ubomi, ukhathalelo lwexesha elide)
• Ulwazi lweakhawunti yotyalo-mali
• mboleko
• isatifiketi somtshato
• ubambiso
• amandla egqwetha kunye nemiyalelo kwangaphambili
• Ikhadi loKhuseleko lweNtlalo
• ukubuyiswa kwerhafu
• izihloko (imoto, indlu, njl.
• Ngaba

Gcina ingxelo yakho yeendleko zonyango kunye neinshurensi.

5. Qesha umcebisi

Ukuba awuqinisekanga ngendlela yokulawula imali yakho yomhlala-phantsi, fumana ingcebiso ngezicwangciso zezemali. Kulungile ukuba ube nomnye okanye nangaphezulu kwaba bacebisi xa ucofa isantya:

• zincwadi
• igqwetha
• umcwangcisi wezezimali
• iarhente yeinshurensi
• umcebisi wotyalo mali

5. Fumana uhlahlo-lwabiwo mali

Uhlahlo-lwabiwo mali lunokukunceda ukuba wolule imali yakho ukuya kuthi ga apho kuya kufuneka khona ukuya kumhlala phantsi. Chaza into onayo ngoku, kubandakanya umvuzo wakho, ukonga kunye notyalo mali. Jonga ukuba unetyala elingakanani. Zichaze iindleko zakho zenyanga kwaye uqwalasele ukuba uza kuyidinga kangakanani wakugqiba ukuthatha umhlalaphantsi

Ngokusekwe kula manani, yenza uhlahlo-lwabiwo mali oluya kukuvumela ukuba wonge imali eyaneleyo yomhlalaphantsi. Umcwangcisi wezezimali okanye umgcini zincwadi unokunceda ukuba awulunganga ngamanani.

Kwakhona, qikelela ikamva. Cinga ukuba zeziphi iintlobo zeemveliso kunye neenkonzo onokuzifuna ukukunceda ukulawula i-MS yakho. Oku kunokubandakanya umntu oncedisa umongikazi ekhaya, isinyusi, okanye indawo yokulungisa ibhafu. Bekela bucala imali yokuhlawula ezi nkcitho zinokubakho.

6. Lungiselela umhlala-phantsi ngaphambi kwexesha

Ngamanye amaxesha imeko yakho iya kwenza ukuba kungabikho lula ukuba uqhubeke usebenza. Emva kweminyaka engamashumi amabini nge-MS, malunga nesiqingatha sabantu abasasebenzi, ngokwe-PLoS One.

Ukuphulukana nomsebenzi kunganciphisa ulondolozo lwakho. Ngaphambi kokuba uyeke, jonga ukuba inkampani yakho iza kwenza indawo yokuhlala ukukunceda uhlale.

Ngaphantsi koMthetho waseMelika okhubazekileyo, umqeshi wakho unokucelwa ukuba enze uhlengahlengiso kwindima yakho ukuze ukwazi ukwenza umsebenzi wakho. Oku kunokubandakanya ukutshintsha okanye ukunciphisa iiyure zakho okanye ukushenxisela emsebenzini omncinci. Unokhetho lokusebenzisa ixesha losapho kunye nelonyango okanye ukuhamba nokukhubazeka, kunokuba uyeke ngokupheleleyo.

7. Qwalasela iimfuno zakho zokhathalelo lwexesha elizayo

Enkosi kunyango oluphuculweyo lwe-MS, ukukhubazeka akunabungozi namhlanje kunangaphambili. Okwangoku, kuya kufuneka uzilungiselele ukubanakho ukuba ungangabinakho ukujikeleza ngokulula kwixa elizayo.

Cinga ngendawo yokuhlala onokuyidinga, kwaye ziya kubiza malini. Ukwandiswa kweminyango, ukongeza iirampu zesitulo esinamavili, ukufaka ishawa, kunye nokunciphisa iitafile zezinye zezinto onokuziqwalasela.

Jonga nakwindlela ezahlukeneyo zokhathalelo- ukusuka ekuqesheni umongikazi ukuya kwindawo yokhathalelo lwexesha elide. Fumanisa ukuba i-inshurensi yakho ithini, kwaye uya kuba noxanduva lokuhlawula epokothweni.

Yise kude

Awusoze wazi ukuba ikamva liya kuzisa ntoni xa une-MS. Kodwa kuhlala kungumbono olungileyo ukucwangcisa kwangaphambili.

Qala ngokudlula kwimeko yakho yangoku yemali. Bona into osele uyigcinile, kwaye ingakanani imali ocinga ukuba uya kuyidinga kwikamva.

Thatha ithuba lenkqubo nganye kunye nesibonelelo esifumanekayo kuwe. Ukuba awuqinisekanga ukuba ungaqala ngaphi, cela umcwangcisi wezezimali okanye omnye umcebisi akukhokele kwinkqubo.