Apo kuedza kukodzera kuMedicaid kutarisirwa kwakanyanya, kana imba yekuyamwisa, kubatsirwa, iyo inoshandiswa inoshandiswa inosanganisira izvo zvinonzi semhuri kana kuti vakaroorana vane mari inowanikwa.
Ichi chinhu chakakosha zvakakwana chezvinhu zvakanyorwa zvinotaurwa apo paine kuedza kukodzera mumwe mukadzi kuMedicaid. Inosanganisira zvinhu mumazita maviri ejoka uye evanhu.
Community Spouse Resource Allowance
Mutungamiri Wemudzimai Maererano neMitemo yeRubvumirano yemvumo inobvumira imwe yemari yemari yekuchengetedzwa kune mudzimai ane utano hwakanaka. Iyi mari yakatarwa muhutano hwehurumende, kuvhara kuti mudzimai ane hutano haapindi muurombo nekuda kwekutarisira / kubhadhara zvavanoda. Izvo zvizere zveimba (zvakasungirirwa uye zvakagadzirirwa pane imwechete) zvinofanira kushandiswa kune imwe nyika yakagadzirirwa yepamusoro. Nhamba iyo inoramba yakachengetedzwa kuti kushandiswa kwemudzimai kune utano. Kana imwechete iyo inoshandiswa ichienda kune iyo yezinga, ipapo mudzimai anenge achida kutarisirwa anokodzera kuwana Medicaid inobatsira. Izvi zviri kuitika mamiriro ezvinhu anowirirana nehupenyu hwekukwegura, uye chirongwa cheSSPIA chakagadzirirwa chinogona kubatsira kudzivirira zvinhu zvako kubva pakupera.
Kutenga Kwekutanga Kwokutanga Nhamba Yakadaro Inogona Kuve Inobatsira munhamba yakawanda yekuenzanisa, nokuti inogona kuve yakarongerwa semugove wemari yakasiyana uye haisi pasi pekuparadzaniswa kwezvinhu zvinoshandiswa kubhadhara kuchengetedzwa kwemhando yekutarisira mari. Pane dzimwe mitsara yekuenzanisa nguva yekubhadhara mari, naizvozvo zvakakosha kutsvaga mazano.
Iwe haugoni kutenga chikwereti mushure mokunge mumwe wako achishandisa kutarisirwa kwakanyanya, uye anotarisira kuti iyo yefa inofanira kudzivirirwa pasi peRRARA mitemo. Izvi ndezvekugadzirira mberi.
Ndiani Anogona Kuritungamirira Iwe kune SPI A Purchase Inogona Kuita SeMedicaid Annuity?
Kana yakarongeka zvakanaka, yakagamuchirwa, uye ikasayirwa nevarayiridzi vematare vakakodzera uye vakuru vezvemitemo vezvemitemo, SPIA dzeMedicaid urongwa dzinokubvumira kuti mutemo wawedzere kuchengetedzwa Medicaid zvakanakira nekuchengetedza mararamiro ako emudzimai, vagari venhaka, uye vanobatsiri.
Nekukwegura kwevanhu kunouya kudiwa kwevakawanda kuva nechitarisiko chekuchengetedza chirongwa chekuchengetedza. The Medicaid annuity strategy inogona kupa hunodiwa hunosimbiswa nekuchengetedzwa kwezvinhu izvo vanhu vanoda panguva iyi yakaoma yehupenyu. Mitemo ye IRS inogona kunge yava kuda kutora mumamiriro ezvinhu aya mushure mokupedza hupenyu hwako kubhadhara mitero, kuchengetedza mari, nekuvaka mambure ako akakosha. Nenzira inofadza, kuronga kwakakodzera uye kushandiswa kweChirungu Chekutanga Chekuita Nenguva Isipi (SPIA) pasi pe "Medicaid Annuity" banner inogona kupa mvumo dzinodiwa kana uchitevera mitemo yose ikozvino.
Nguva dzose Tsvaka Nhungamiro Kubva kuCPA Yakakodzera uye Vakuru Vekuchengeta Mutariri NezveMedicaid Annuity Planning.
Iwe haufaniri kuzviita iwe pachako pazvinouya kuMedicaid kuronga nekushandisa Medicaid annuity strategy.
Mumwe CPA anodiwa kana gweta guru rekugadzirira anofanira kugara achibvumirana uye achibvumirana asati afambisa mberi nemhando ipi zvayo yekushandisa. Pane zvakawanda zvakawandisa izvo zvinoda kutariswa nenzira yakarurama kuitira kuti zvisakonzere nhau dzinogona kuitika ne IRS, uye mitemo inosiyana nehurumende.
Semuenzaniso, Community Community Resource Allowance (inowanzozivikanwa seSRARA) mitemo yakananga uye mazinga eassetti inofanira kutsanangurwa uye kuteverwa kuitira kuti mudiwa anenge achida Medicaid kuparidzika zvakakodzera. Kune mamwe matanho chaiwo anoda kuteverwa, uye iyo nzira inogona kuva yakaoma, yakaoma, uye kunyange isingakwanisi kuona kana iwe uchiedza kuzviita uri woga.
Kana chirongwa ichi chisina kuitwa nekusakarurama uye / kana kuti chisina kurongeka zvakanaka, ipapo chirango chemutero uye zvinogona kuvepo makore mashanu "chirongwa" chinogona kushanda.
Ichokwadi ndechokuti SPIA inogona kuva nhumbi yakachengetedzwa yakachengetedzwa kana ichishandiswa zvakanaka muhutorikoti yako.
Single Premium Immediate Annuities ndiyo yakatanga annuity design yakagadzirwa munguva dzeRoma. SPIA dzave dziripo kuUnited States kwemakore anopfuura mazana maviri uye dzaive iyo chete annuity mutauro unowanikwa kusvika muna 1955. Izvo zvinoshandiswa nyore nyore uye zvakajeka zvekutengesa kwengozi annuity types inowanika, inonyanya kushandiswa nevatengi mumaonero angu, uye nzira yakanakisisa yekuti kugadzirisa kune mari inowanikwa iye zvino inoda uye mari yehupenyu.
SPIA inogona kuwedzera kukosha kana yakashandiswa mukati me Medicaid yako uye yekugadzirisa nzvimbo. Kushanda nemurengeti wekodzero yevakuru vanogona kubatsira kusimbisa kuti urongwa huri pamutemo wepamutemo uye matanho akakodzera anotevera. Yakaitwa zvakarurama, chirongwa cheMedicaid Annuity chinoshandiswa kune mumwe wawakaroorana chinogona kuva mugwagwa wekugoneka kana kuti pakupedzisira kugoverwa kune mudzimai ane utano. Tsvaga gweta rakanaka rekuchengetedza vakuru kana iwe uchida kutsvaga zano iri. Zvakakodzera mari imwe neimwe.