Apo vanhu vachitaura nezvekuchengetedza mishonga inshuwalwe yemhuri vangangodaro vachitaura zvinhu zviviri:
- Kuchengetedza zvinhu zvako zvega uye / kana chikwereti paunogara mumusha unochengeterwa vakwegura
- Kutenga inshuwarisi iyo ichakubatsira iwe kuvhara mari yekugara muimba yevanotarisira
Aya ndiwo marudzi maviri akasiyana-siyana einishuwarenzi iyo inobatsira kuziva nezvamunenge muchironga kusingatarisiri, kana kuti munofanirwa kutamira kumusha unotarisira vakwegura iwe pachako, wako wako kana vabereki vako.
Nemhando mbiri dzekuchengetedza imba inishuwarenzi, pane nzira dzinogona kukubatsira kuchengetedza mari, uyewo kuita sarudzo dzakagadziriswa yekugadzirira ramangwana. Ichi chinyorwa chinotaura kuongororwa kwezvinhu zvakasiyana-siyana zvehushuwarisi yekuvhara iwe muimba yevanotarisira.
Kuisa Bhuku Rega Rega Musha Wavachengeti
Paunenge uchienda kumusha unochengeterwa vakwegura unowanzobvisa zvakawanda zvezviri mumba mako nokuti uri kuenda kunzvimbo duku. Kazhinji unogona kupa zvinhu kumhuri, kana kutengesa zvinhu panguva yaunotengesa iwe kumba. Zvinhu zvaunochengeta kana uchienda kumusha unotarisira vakwegura zvinowanzova zvinhu zvaunokoshesa naizvozvo zvinokosha kuti uzive zvinogona kuitika kana iwe une inshuwalense kudai kune munhu ari kuba zvinhu zvako zvepanyika kana zviri mukati meimba yako itsva kana zvimwe zvinetso zvakadai moto.
Assisted Living kana Nursing Home Inishuwarenzi ye Zviri Mukati uye Personal Belongings
Kana uchigara mumusha unochengeterwa vakwegura pachava nezvimwe zvinhu zvinowanzoita kuti uone kana iwe kana wemhuri yako unoda kutenga inshuwarisi yakakosha yekuvhara zviri mukati uye zvinhu zvako .
- Tarisa kana imba inishuwarenzi yevana ichavhara vabereki zviri mumusha wevanotarisira. Dzimwe makambani emishuwarisi achaona kuti mubereki, kamwechete mumusha wevanotarisira angave ari mutoro wevana, saka kazhinji kazhinji pane kugoverwa kwe "vabereki vari mumusha unochengetedza vakwegura" mumashoko ekugadzirisa emhuri yeruzhinji yemhuri. Kana iyo sarudzo isingagoni kupa zvakakwana, vana vanogona kunge vane humwe simba rekutaurirana kuti vawane mitero yakanaka kuburikidza nekukumbira kana kubvumirwa kunogona kuwedzerwa pane zviri mumubereki muimba yevanotarisira . Nguva dzose tsvakurudzai sarudzo iyi sezvo zvichigona kuve nekugoverwa kwako kare kare, uye iwe ungasafanira kushandisa mari yakawanda. Imba yekurapa mari inodhura, saka uchengetedze mari yaunogona kuva yakakosha. Kutaura kune mutengesi wemu inshuwarisi kana mujeri kuti unzwisise zvaunosarudza kana kuti zvinosanganisira zvinyorwa uye mamiriro epurogiramu yako yemusha yakakosha nekuti kungotarisa peji yekutaura kwepurogiramu hakuzowanzobatanidza mashoko aya. Mashoko acho anosiyana nekambani ye inshuwarisi uye yakakodzera kukokwa.
- Pasinei nokuti imba inotarisira vakwegura inobatsira kurarama kana kuzviriritira kune vanhu vane ruzivo rwekugara kana kuti haingavi chinhu chinoita kuti kambani ye inshuwarisi kana munyori wechipatimendi angada kuzviisa pangozi. Izvi zvinotungamirirawo kuti ndeupi mutemo wekuti munhu angada muimba yevanotarisira kana kuti anobatsira kugara kwekugara.
- Kukosha kwezviri mukati uye rudzi rwehuri mukati huchaita kuti uwane inshuwarheni ipi yaunoda. Vamwe vanhu vanongoda kugoverwa kwezvinhu zvavo zvepanyika, vamwe vangangotarisa kuti vanyatsogadzirisa zvinhu zvakakosha zvakadai sezvishongo uye maziso kana furs.
Kwatinofanira Kuwana Inishuwarenzi Yezviri Mukati Musha Wavachengeti
Mukati inshuwarheni inogona kutengwa kuburikidza nemitsara yega yega inshuwarisi mutengesi, mumiririri, anotungamira kubva kune kambani yveshuwarenzi, kana kuti paIndaneti.Kutanga nokutaura nekambani yawakavimbisa imba yako navo, vangakwanisa kukupa hurongwa hutsva hwekuchengetwa kweimba yevanamukoti uye zvinyorwa zviduku zvinowanikwa kana zvakananga kugoverwa. Sezvambotaurwa pamusoro apa, unogonawo kubvunza vana vako kana imba yavo inshuwarisi yakakwanisa kukufukidza iwe uri mumusha wakwegura. Iwe unofanirwa kufungawo kutumira inshuwarisi broker kuti ikubatsire kuwana inshuwarisi yakanaka mumusha wakwegura. An inshuwarisi mutengesi achava nekambani ye inshuwarisi yekambani yavanotarisana naye.
Kungofanana nekushandisa mutengesi kuti uwane unhu hwehutano hwehutano hunogona kukubatsira kuchengetedza nguva nemari, apo uchitsvaga zvikamu zvakajeka zvakadai sekuchengetedza dzimba yehutano inshuwarisi, mutengesi kana mujeri wekuzvimirira achave nekugona kune mamwe mashizha kunze kwekutengesa kambani.
Kuwana Mukana weInishuwarenzi Mumusha Wavachengeti
Kana ukaenda kumusha unotarisira vakwegura, unogona kubvunzwa kutenga inshuwalisi yepamusoro nenzira imwecheteyo vashandi vanokumbirwa kutenga renster inshuwarheni, kana vadzidzisi vemadhora vanogona kutarisirwa kutakura inshuwarisi yemhosva. Chikonzero cheizvi ndechekuti semunhu agere mumusha unochengeterwa vakwegura iwe unogona kuva nemhosva yekukuvadza kunokonzerwa nebasa rako ipapo kana zviito. Kana iwe ukatenga inshuwalisi yezvinhu zviri mukati musha unoporesa bvunze bhizinesi imwechete pamusoro pemhosva. Inogona kuiswa.
Mhosva yevabereki muimba yevanamukoti
Kana iwe uri kutsvaga mutoro wevabereki vari mumusha unochengetedza vakwegura, bvunza mubhizimisi wako weu inshuwarisi kana chikwereti chakavharwa, kana kana vachigona kupa kuwedzerwa kwemhosva yekufukidza vabereki vako muimba yevanotarisira.
Usafungidzire kuti inowanzovharwa.
Chii Chinonzi Nursing Home Inishuwarenzi?
Musha wekuchengetedza inishuwarenzi ndeye rudzi rwekuwedzera rubatsiro rwehutano yehutano kana inshurensi yemazuva mazhinji, kunze kwekutarisa chete kubhadhara mari yekubatsira , nekukurukurirana zvingasarudzwa nemudzidzisi wako wezvemari, iwe unogona kushandura hurongwa hwako kuti uone kuti unosarudza zvakanakisa kuvhara mari yekugara muimba yevanamapenzi, nenzira iyi inogona kutarisirwa kukubatsira kuti uvhare mari yeimba yevanotarisira.
Achapa Mishonga kana Mishonga Kubhadhara Imba Yevacheche?
Kunyange zvazvo Medicare kana Medicaid inogona kuvhara chikamu chemari yekugara muimba inotarisira vakwegura mune imwe mamiriro ezvinhu chaiwo, haingaputi zvose zvinodhura.
Ndezvipi Kurarama Mumusha Wokuchengetedza Unotenga?
Kurarama mumusha wakwegura kunogona kudhura. Genworth yakagadzira shanduro yeIndaneti iyo inobatsira kupa pfungwa yezvinodiwa zvekurarama.
Mari Yekuchengetedza Imba Inotengesa Mari?
Muchikamu chedu pamusoro pehutano hwekuchengetedza kwenguva refu, tinopa mienzaniso yekufungidzirwa mari uye dzimwe nzira dzekuwana zvikwereti zvakanaka pamusha wevanotarisira uye kuchengetedza kwenguva refu . Iwe unogona kutarisa kubva kune $ 1 000 kusvika kudarika $ 3,000 pagore, asi izvi zvinowanikwa pane zvinyorwa, makore ako, nezvimwewo zvatinokurukura pasi apa.
Mari Yakawanda Ndeipi Inotarisirwa Nekuchengetwa Kwemhuri Inobhadhara?
Paunenge uchitaura nezvesarudzo dzekuchengetedza imba yekuchengetedzwa kwehutano nekugadzirisa nevanopa zvemari vanofanira kukupa maitiro akawanda ekuverengera. Zvichienderana nemamiriro ako ega anozobatanidza kuongorora kwehutano hwako hwemazuva ano, nguva yako panguva yaunotenga pamba yekuchengetedza dzimba yevachengeti uye yehuwandu hwehuwandu hwaunosarudza, mutemo unogona kubhadhara pakati pe $ 100 kusvika ku $ 500 pazuva paavhareji. Mari iyo inorayirwa ichabhadhara ichajekeswa panguva yaunotenga mutemo wako, saka iva nechokwadi uye ubvunze kana muganhu wemari yezuva nezuva hauzi pachena kwauri.
Inguva Yakadii Ichasvika Zvakafukidzirwa kuMusha Wavanamukoti?
Zvinodhura zvemisha inochengeterwa vakwegura hazvifukidzwi kwenguva yakawandisa yenguva. Sezvo pachave nemiganhu yezuva nezuva yekuti vachakubhadhara zvakadini iwe uri muimba yevanotarisira inorongwa mukati memutemo, pachavawo nemiganhu yakatarwa inotaurwa zvakare. panguva ino muganhu waizotumidzwa semuenzaniso wekubatsira.
Ndeipi Muchengeti Wokumba Inishuwarenzi Inotanga Kubhadhara?
Musha wekuchengetedza unhu inogona kuva nenguva yekudzikisa. Izvi zvakafanana nenguva yekumirira muhutano hwehutano hwehutano husati hwave huchiendeswa mberi. Kana iwe wakatora mutemo ne nguva shomanana yekuparadza, kana kuti hapana, iwe uchabhadhara zvakawanda. Kana ukasarudza kutora nguva yakareba, iwe unenge uchibvuma kubhadhara mari yako iwe kwenguva yakareba musati mutemo wako watanga kuripa. Uku kukwanisa kuzvidzivirira kwenguva refu kunobatsira kuti uchengetedze pamabhadharo egore negore, kunyange zvazvo zvingakubhadhara iwe panguva yekudaidzira. Kurukura izvi zvingasangana nemudzidzisi wako wezvemari kuti unzwisise kuti chii chakanakisisa chichava chemamiriro ako ezvinhu. Iwe hausi kuda kutora nguva refu yekudzima ipapo ona kuti iwe unogona kutenga mari pane nguva yakaoma.
Munhu Api Anofanira Kuwana Inishuwarenzi Yekuchengetwa Kwemusha Kuchengeta?
Kana iwe uchimirira kuti utenge musha wehutano hwehutano huri mari inodhura. Mari yacho inobva pazera rako uye utano. Iwe unogona kuisawo pangozi kuti usakwanisa kutenga iyo inshuwarheni kana hutano hwako huchikuvara sezvaunokura. Kana uri kufunga nezvekutenga ichi chinyorwa, makore makumi mana kana makumi mashanu achaita kuti mukana wakaisvonaka wekukwanisa kuwana mukana wakanaka.
American Association for Long Term Care Inoshuwarisa kuti kana iwe uri mumakore ako makumi mashanu mune 14 muzana yeruzivo rwekuderedzwa uye nhamba iyi inowedzera kusvika 25 muzana mumakore ekuma 60.
Mazano Okuchengetedza Mari Pamusha Wekuchengetedza Inishuwarenzi
Pane zvakawanda zvingasarudzwa paunenge uchitarisisa rudzi rwematongerwo enyika iwe uchazotenga mari yekuchengetedza dzimba. Heano mamwe mazano ekushandisa kuchengetedza mari:
- Usarega kubhadhara inshuwarisi kusvikira iwe uchitya iwe uchida. Yeuka kuti se- inshuwarisi yehupenyu , muduku iwe unotenga rudzi urwu rwematongerwo nemari yakawanda yauchazochengeta.
- Kana iwe wakaroora kana kuva newawakaroorana naye , unogona kubatsirwa nekufunga nezvekugoverana kwenheyo.
- Tarisa mukati mekusarudzwa kwehupfumi nehutano-yega-yega uye kuenzanisa mari.
- Funga kuti nguva yekuparadzanisa inguva yakareba sei uye uwane zvinyorwa zvine nguva refu yekudzima.
- Nyatsoongorora kubatanidzwa kwarudzo, nguva yekubhadhara, mashoma emiganhu inobhadharwa nemhando dzekugoverwa kunopiwa. Kusarudza zvisarudzo zvakawanda kana zvishomanana zvingakanganisa mari yako. Mimwe mitemo inopawo zvikwereti zvichienderana nenzira yaunosarudza, bvunza kana kutora chirongwa chegore negore kuchakuchengetedza mari.
Chii Chiri Kuitika Kana Uchitenga Imba Yemauniti Inishuwarenzi Asi Usamboshandisa?
Kana iwe uchibatsirwa nehutano hwakanaka uye usingatongogumi uchishandisa imba yako yekuchengetedza inshuwarisi, unogona kuva nezvimwe zvingasarudzwa:
Haasi mitemo yose inopa izvi zvingakosha saka zvakakosha kubvunza pamusoro peizvi paunotenga mutemo:
- Iro sarudzo yekubuda. Apo iwe unotenga mutemo unobvunza pamusoro pekuti iwe uchange uine mari yakasarudzwa.
- Imwe yveshuwarisi yemitemo inogona kupawo mukana wekugamuchira zvikwereti, pfungwa yakafanana kune inshuwarisi yehupenyu nemitemo .
- Zvichienderana nemhando yehurongwa waunosarudza, iwe unogonawo kuva nesarudzo yekutora rubatsiro rwekufa apo munhu anogona kubhadhara kana iwe usingamboshandisi.
Mhando dzeKubatsira Iwe Unogona Kuda Paunofunga Nekugara Musha Wavachengeti
Pasinei nokuti uri kuronga ramangwana rako kwenguva yakareba ne Nursing Home Inishuwarenzi uye Kuchengetedza kwenguva refu kana uchinetseka iwe kana nhengo yemumhuri muimba yeucheche "iye zvino" uye tichida kuwana mvumo yehutano kana yehutano, takafukura zvimwe zvikamu zve inshuwarisi kuti ikubatsire kuronga uye funga zvaunogona kuita. Nokutsvakurudza maitiro akasiyana-siyana uye kushandisa zvishandiso kuburikidza nevanogadzirisa zvemari uye inshuwarisi vatengesi kana vamiririri unogona kuwedzera mikomborero yaunogamuchira uye unova nechokwadi chokuti unodzivirira zvinhu zvako uye utano hwako.