Iingcali kwiimfuno ezizodwa ezixhomekeke kwiinkolelo ezibonisa ukuba ungaqala njani
Ukuba uye waya ezintlanganisweni malunga nokucwangciswa kwexesha elizayo kumntwana wakho eneemfuno ezizodwa , okanye uchithe ixesha elide nabanye abazali, okanye ufunde amanqaku ngokucwangcisa ifa, mhlawumbi ufumene umyalezo onokubeka imali kwi-Special Needs Trust Trust ukwenzela ukuba umntwana wakho omdala angalilahli iinkonzo ngenxa yemfuno engenayo engenayo. Kwaye mhlawumbi ugxotha iinyawo zakho phezu koko, unqabile ukuthatha enye into eyinkimbinkimbi.
Ukuthabatha ezinye zeengcangcazo ngaphandle komsebenzi, ndacela uJoanne Marcus, umlawuli olawulayo we-Commonwealth Community Trust (CCT), ukuhamba nathi ngokusebenzisa ukhetho esiza kuyidingela ekufumaneni ithemba. I-CCT yinhlangano engenzi nzuzo eyenziwe ngo-1990 ngabantu abathintekayo kunye nabazali babantwana abakhubazekileyo ukubonelela ngokufanelekileyo nokulawulwa kwexabiso lokuThengwa kweMfuno eziZodwa okanye iNdawo yokuPhukisa ukuKhubazeka kwabasebenzi kunye nokusebenza njengomphathiswa wokulawula ukuhlawula. UMarcus uncoma ezi nyathelo ezinhlanu zokuqala:
1. Ukuqonda Iimfuno zeTrust
I-Special Needs Trust ivumela umzali okanye umnakekeli ukuba abekele bucala imali ekunyamekeleni kwathandekayo wabo ohlala nokukhubazeka ngelixa ekhusela inzuzo yeburhulumente wase-United States (i-Supplemental Security Income kunye neMedicaid) ebaluleke kakhulu ekunikezeni unyango kunye neengeniso eziyimfuneko ukuxhasa umntu, "kuchaza uMarcus.
"Ukuze ukwazi ukufumana ezi zibonelelo, umntu angenakho imali engama-2,000 kwiimpahla zeemali. Isipho semali, ukuhlaliswa, okanye ilifa liya kukhansela le mivuzo, ishiye umntu kunye nesidingo sokulawula imali ngokwabo kwaye, , abanakho imali eyaneleyo yokuxhasa iimfuno zabo zobomi. "
Ukuqalisa: Cinga ukuba zeziphi iimfuno zokuphila zifuna ukuba zizalise i-MetDESK Special Needs Calculator.
2. Khetha uhlobo lweTrust elungele umntwana wakho
Ukhetho lwakho lokuthembela luya kugqitywa ngubani obeka imali kuyo - wena okanye umntwana wakho. IiNkxaso zeMfuno eziZodwa, uMarcus uthi, "zixhaswa ngumntu wesithathu, ngokuqhelekileyo ilungu losapho olusondeleyo njengomzali okanye ootatomkhulu, kwaye unokudibaniswa necebo lomhlaba losapho. . " Ngakolunye uhlangothi, "Ukuxhaswa ngemali ngumntu onokukhubazeka, ngokuqhelekileyo ngenxa yecala lokulimala okanye ilifa, kwaye lingasetyenziselwa iintlobo zeendleko zeefom. ilawulwa yinkampani engenzi nzuzo kwaye kufuneka imiswe ngaloo nyanga imali ifunyenwe ukukhusela inzuzo. Ngokungafani neTrust Special Needs Trust, apho i-state ayidingi ukuba ibuyiselwe ukuba umzuzi kufuneka adlule, i-Pooled Disability Trust iyadingeka ukuba ukuhlawula oko kunokukwenza kwiMedicaid. Umnikezeli unokukhetha umntu okanye umbutho ukuba athathe imali ekhoyo. " Imali kwiintlobo zombini zithemba zingasetyenziselwa izinto ezinjenge "ukuthenga isitulo sabakhubazekile, iinkonzo zamazinyo, iiglasi zeso, izixhobo zokuvalelwa, imfundo, ukuzonwabisa kunye nokuhamba, ukuthutha kunye nefenitshala nezambatho," kusho uMarcus.
Ukuqalisa: Funda ngokubanzi ngeeNkxaso zeeMfuno eziZodwa kunye neeNkxaso zokukhubazeka eziPhezulu kwiSiza soLuntu lweNqila ye-Commonwealth.
3. Fumana Uncedo lobuNtu
"Abameli bezocwangciso zezindlu, abacwangcisi bezezimali kunye nabaphathi beemviwo banganika imibono yabo kwiimfuno zeemali zexesha elide eziza kulungelelanisa 'ukuba ngaba' iziganeko," u-Marcus ucebisa. "Ngenxa yokuba imimiselo iyinkimbinkimbi kwaye iyatshintsha rhoqo, kubalulekile ukukhetha igqwetha okanye ukungenzi nzuzo ejolise kule ntlobo yeenkolelo."
Ukuqalisa: UMarcus uncoma ukudibanisa no-Community Commonwealth Community Trust (ngubani onokulawula amathenda kwaye akhonze njengomphathiswa) kunye neZigqeba eziMfuno eziZodwa (ngubani onokukudibanisa ne-Attorney ye-Planning Planning).
4. Khetha iTrasti
"Amatyala amabini afuna ukuba i-trustee ikhethwe," kusho uMarcus. "I-trustee ilawula kwaye ifake imali kwi-trust kwaye yenza iintlawulo eziza kuxhamla inzuzo yedwa yomxhamli. I-trustee nayo ixanduva lokunika ingxelo kwi-arhente karhulumente enikezela iinzuzo kunye nokuhlala ehambelana nemimiselo eguqukayo."
Ukuqalisa: Qhagamshelana nephepha lokusebenzela ekukhetheni umphathiswa.
5. Khetha uMmeli.
"Ngokukodwa kwimeko yeCandelo leMfuno eziZimfuneko, ummeli utyunjwe ngumniki-mali (ngamnye umntu uxhaswa ngezimali) kwaye ngokuqhelekileyo umntu osondeleyo kumxhamli oqondayo iimfuno zabanikezeli kunye neemfuno zabaxhamli," ngokukaMarcus. "Ummeli usebenza ngokusondeleyo kunye ne-trustee ekuqaliseni ukuhlawulelwa okuya kugcina umgangatho wobomi kumntu ofumana umxhamli. Umnikezeli kufuneka azalise imigaqo yemiyalelo (iifom ziyafumaneka ukunceda kulokhu) ezibonisa indlela abafuna ukuba umxhamli anakekelwe ngayo kuquka igama lommeli. "
Ukuqalisa: Bhala ibhalwa ngenjongo yokuqinisekisa ukuba abo benza izigqibo kumntwana bakho banolwazi oluyimfuneko.