By Amita Brar  | Xiriiriye |  Seattle Office

Ku lug lahaanshaha shil baabuur waxay noloshaada u rogi kartaa mid gebi ahaanba ka duwan - gaar ahaan marka biilasha caafimaadka iyo mushaharka lumay ay bilaabaan inay is urursadaan. Waa halkaas meesha Ilaalinta Dhaawaca Qofka (PIP) Caymisku wuxuu noqon karaa waddo weyn oo lagu badbaadin karo kharashaadkaaga. Haddii aad haysato, PIP waxay kaa caawinaysaa inaad si dhakhso ah u daboosho kharashaadkaaga, iyada oo aan loo baahnayn inaad go'aamiso cidda qaladka lahayd. Laakiin ka waran haddii aadan lahayn PIP caymiskaaga gaariga?

Aan kala saarno waxa PIP yahay, sida ay u shaqeyso, iyo fursadahaaga haddii aadan haysan shil ka dib.

Waa maxay Caymiska PIP?

Ilaalinta Dhaawaca Shakhsi ahaaneed (PIP) waa nooc ka mid ah caymiska baabuurta ee "aan cillad lahayn". Tani waxay ka dhigan tahay inay khuseyso iyadoon loo eegin cidda shilka geysatayPIP waxay kaa caawin kartaa daboolida:

  • Kharashyada caafimaadka (sida booqashooyinka gargaarka degdegga ah, ballamaha dhakhtarka, iyo daaweynta jirka)
  • Mushahar lumay haddii aadan awoodin inaad shaqeyso dhaawacyadaada awgood
  • Adeegyada muhiimka ah ee guriga (sida nadiifinta ama caawinta daryeelka haddii aad aad u dhaawacan tahay oo aadan keligaa maareyn karin)

Gobollo badan, PIP ayaa loo baahan yahay. Si kastaba ha ahaatee, gudaha Washington Gobolka, PIP-ku qasab maaha— waa caymis ikhtiyaari ah. Si kastaba ha ahaatee, dad badan ayaa doorta inay ku daraan siyaasaddooda sababtoo ah faa'iidooyinkeeda ballaaran iyo fududaanta helitaanka.

Sababta PIP ay qiimo u leedahay

Waxaa jira faa'iidooyin badan oo ku jira furitaanka sheegashada PIP ka dib shil, oo ay ku jiraan in biilasha caafimaadka la bixiyo ilaa saddex sano ka dib shilka, ama ilaa $10,000 (ama ka badan iyadoo ku xiran siyaasaddaada); marnaba ha bixin lacag laga jari karo ama lacag-wadaag; in la daboolo iyadoon loo eegin cidda keentay shilka maadaama PIP aysan khalad lahayn; iyo inaad haysato ilaalin ka timid shirkaddaada caymiska, kuwaas oo sharci ahaan aan kor u qaadi karin qiimaha caymiskaaga ama joojin karin siyaasaddaada isticmaalka PIP marka aad fayl garaynayso warbixinta shilka.

Maxaa dhacaya haddii aadan haysan PIP?

Haddii aad diiday caymiska PIP ama aadan hubin inaad haysato, ha argagixin. Wali waxaad haysataa fursado aad ku heli karto.:

  1. Hubi Caymiskaaga Caafimaadka
    Marka la xaqiijiyo inaadan haysan PIP, caymiskaaga caafimaad wuxuu u baahan doonaa inuu daboolo daaweynta la xiriirta shilalka. Si kastaba ha ahaatee, ka digtoonow inaad mas'uul ka noqon karto lacagaha laga jaro, lacagaha la wadaago, iyo shuruudaha ogolaanshaha kahor, iyadoo ku xiran siyaasaddaada.
  2. Sheegashada iyada oo loo marayo Caymiska Darawalka Khaladka ah
    Haddii darawal kale uu shilka sababay, waxaa laga yaabaa inaad awoodo inaad dacwad ka gudbiso caymiska mas'uuliyadda ee kharashaadka caafimaadka, mushaharka lumay, iyo khasaaraha kale. Hawshani waxay qaadan kartaa waqti, heshiisyaduna isla markiiba ma imaan karaan - markaa u diyaargarow dib u dhac.
  3. Caymiska MedPay (haddii aad haysato)
    Siyaasadaha otomaatiga qaarkood waxaa ka mid ah Lacagaha Caafimaadka (MedPay) caymiska, kaas oo sidoo kale ka caawiya bixinta kharashyada caafimaadka, inkastoo inta badan ay ka yar yihiin PIP.
  4. Qorshayaasha Jeebka ka Baxsan ama Lacag-bixinta
    Haddii aadan haysan PIP ama caymis caafimaad oo khuseeya, waxaa laga yaabaa inaad u baahato inaad ka hadasho qorshayaasha lacag bixinta la xiriir bixiyeyaashaada ama raadso caawimo qareen dhaawac shaqsiyeed si aad u sahamiso fursadaha magdhowga.

Qareennada GLP waxay halkan u joogaan inay ku matalaan Kiiskaaga Dhaawaca Shakhsi ahaaneed

Qareennada GLP waxay halkan u joogaan inay kaa caawiyaan inaad maareyso caymiskaaga ka dib shil gaari. Waxaan rabnaa inaan hubinno in inta aad ka bogsaneyso dhaawacyada shilalka gaariga, aad sidoo kale awood u leedahay inaad dareento ammaan dhaqaale. Kiisaska dhaawaca shaqsiyeed ee ka dhasha dhaawaca shilalka baabuurta waxay noqon karaan kuwo adag, waana inaad fahantaa noocyada kala duwan ee mas'uuliyadda iyo arrimaha caymiska ee khuseeya kiiskaaga, oo ay ku jiraan caymiska Ilaalinta Dhaawaca Shakhsi ahaaneed. Haddii aad u malaynayso in qof uu khalad ku lahaa inuu sababay shil adiga, xubin qoyska ka mid ah ama saaxiib aad ku lug lahayd, waa inaad qareen dib u eegtaa xaqiiqooyinka sheegashadaada sida ugu dhakhsaha badan.

Haddii aad ku lug lahayd shil gaari, fadlan wac 800.273.5005, ama u dir email qareennadayada dhaawacyada shaqsiyeed cinwaanka si aad u hesho la-tashi bilaash ah oo bilow ah. Mid ka mid ah qareenadayada xirfadlayaasha ah ayaa kuu sheegi kara inaad awoodid inaad urursato magdhow.