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U.S. Department of Veterans Affairs

1 Military TransitionOctober 2009

VABenefits

and

ServicesBriefing forTransitioning Service Members

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2 Military TransitionApril 2009

For the purposes of this briefing, we are

assuming that you will all be honorablydischarged veterans.

If you receive a General Under

Honorable Conditions discharge, youmay be eligible for all VA benefitsexcept Education. (VRE Possible)

If you receive an Other Than Honorabledischarge , you may still be eligible forsome VA benefits.

BCD is bar, by law, to all VA benefits.

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3 Military TransitionApril 2009

COMMUNICATE!

Bob Case619-400-1636

[email protected]

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4

Military TransitionApril 2009

Contents on Page iii

VA Organization & How toCommunicate!!!

Compensation & Pension Readjustment Counseling

Education Vocational Rehabilitation & Employment Life Insurance Home Loan Guaranty

Burial & Survivor Benefits

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5

Military TransitionApril 2009

VA

Veterans Benefits Administration All VA benefits - Compensation, Education, Home Loan

Guaranty, etc. Administered by VA Regional Offices

Veterans Health Administration All VA health care services Administered by VA Medical Centers, Ambulatory Care &

Community Based Outpatient Clinics, etc.

National Cemetery Administration National and State Veterans Cemeteries Headstones & Markers Presidential Memorial Certificates

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April 2009

VA on the Internet(continued)

Apply on-line for benefits

(select Online Applications) Submit electronic inquiries as

well (select About VA then

Contact Us)

Visit www.va.gov

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Military Transition

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Military Transition

April 2009

Provides EmploymentAssistance to help veteransunderstand and use Veterans Preference

Promotes special hiring preferences (VEOA, VRA,30%) which give Veterans an Edge in selectionfor Federal government jobs

PromotesVAas an Employer of Choice

VISITWWW.VA.GOV/NVEP OR CALL (202) 461-6997

National Veterans Employment

Program (NVEP)

VA The Career you Want, For the Future you Deserve

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Military Transition

VetSuccess.gov VR&Es comprehensive

employment web site for all

veterans Veterans can post resumes, job

search and apply for jobs

Employers can post jobs andsearch resumes

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April 2009

Can help complete claim forms,answer questions, act as a claimsrepresentative, assist with

employment needs

Possible State benefits include:property and other tax

exemptions, education programs,license tags

Each State Is Different

State Veterans Affairs Offices

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April 2009

Veterans Service Organizations

also assist veterans in various waysincluding claims representation

Examples:

DAV, AmVets, VFW, PVA, VVA,The American Legion, American Red

Cross, and many others

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Military Transition

April 2009

Other ways tocommunicate--Phone VA!

(continued)

For information &assistance onEducation benefits

call toll-free1 (888) 442-4551

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Military Transition

April 2009

Phone VA!(continued)

For health care eligibility

OR general health careinformation, calltoll-free

1 (877) 222-8387

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Military Transition

April 2009


For information &

assistance onSGLI/VGLI

call toll-free

1 (800) 419-1473

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Military Transition

April 2009


For information &

assistance onVA life insurance

call toll-free

1 (800) 669-8477

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Military Transition

April 2009

Phone VA!For benefits information

and assistancecalltoll-free

1 (800) 827-1000Open 730 am to 7 pm

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20

Military Transition

VA Claims Process

I AM NOT MAKING DECISIONS HERE,JUST SHOWING YOU THE WAY!!!

1. APPLICATION APPLY APPLYAPPLY!

2. EVIDENCE GATHERING

3. COMPARE EVIDENCE TO LAW-DECISION-See WARMS

4. NOTIFICATION IN WRITING

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Military Transition

Educational/Vocational Counseling

Services see page 86Provided to service members approachingdischarge or up to one year after separation

Career counseling and guidance at no cost to

separating service members

Vocational assessments to include interest,abilities, and aptitude testing and One-on-one

meeting

Resources for resume development, job search,labor market information, school exploration

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Military Transition

One-on-One Meeting with a

Professional CounselorIndividual meeting to:

review your assessment results and how they tie

into your future clarify/identify career options

develop short and long term plans

discuss successful approaches to job search explore how to maneuver around road blocks

along the way

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Military Transition

Resources for resume development, jobsearch, labor market information and

school exploration Counselor will provide you with resources for

resume development

Guidance in job search techniques, web sites,military and community resources

Review of Department of Labor hiring trends

Local Labor Market Surveys

School exploration and financial aid websites

Our goal is to help you get started on developing a well researched

and thought out plan so you can reach your employment goals!

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Military Transition

Career Counseling and Guidance

At no cost to separating servicemembers Ed/Voc counseling is a tool to increase self

awareness and direction for educational planningand identification of career options

The results are used to link an individualsinterests, abilities and work values to educationalor work requirement areas

The assessment provides valuable information toassist you in developing a well thought out plan

Remember, the more information you have, thebetter your plan will be!

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Military Transition

How to RequestVocational/Educational

Counseling Services

Complete VA Form 28-8832 and forward to VA

Office.

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Military Transition

April 2009

Compensation

forService-ConnectedDisabilities

Page 23

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April 2009

A serviceA service--connected disability is aconnected disability is a

disease or injury incurred or aggravateddisease or injury incurred or aggravated

while on active duty. The disability doeswhile on active duty. The disability does

not have to be combat or wartime related.not have to be combat or wartime related.Discuss acute / transitory, chronic,Discuss acute / transitory, chronic,

secondary and claim for increase.secondary and claim for increase.

Compensation

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April 2009

Compensation

Disability Examples

Torn knee ligament

Amputation Heart disease

Post traumatic stress (including

the result of sexual trauma)

Skin condition such as psoriasis

Hearing Loss/Tinnitus

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April 2009

Disabilities are rated from 0% to100%

Payments begin with 10% ratings Additional allowance for dependents

with 30% or higher rating You keep compensation no matter

what job you get You may get an increase even if your

job makes disability worse

Compensation

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Military Transition

April 2009

Rating Vet Only Vet+S Vet+S+1C Vet+S+2C Vet+S+3C

10% $123 N/A N/A N/A N/A

20% 243 N/A N/A N/A N/A

30% 376 421 453 475 497

40% 541 601 644 674 70450% 770 845 899 936 973

60% 974 1,064 1,129 1,174 1,219

70% 1,228 1,333 1,409 1,461 1,513

80% 1,427 1,547 1,634 1,694 1,754

90% 1,604 1,739 1,837 1,904 1,971

100% 2,673 2,823 2,932 3,007 3,082

Compensation - Sample Rates

S Spouse C = Child(ren)Rates effective Dec 1, 2008

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Military Transition

April 2009

Compensation

Compensation is tax free

Additional Special Monthly Compensationadded for loss of limb, organ, etc.

Concurrent retired pay, previouslyprohibited, now being phased in

Concurrent VSI, SSB, and Separation pay

still prohibited

Severance pay is also prohibited with thefollowing exception (continued),

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Military Transition

April 2009

Compensation

(continued)

Severance Pay is not recouped ifdisabilities incurred in combat zone orcombat-related operations as designated

by DoD Effective January 1, 2008, retirees retired

for disability through the military DES withless than 20 years of service for longevityare authorized CRSC payments

Retirees must apply to their service-specific CRSC Board once VA establishesentitlement to compensation

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34

Military Transition

Concurrent Retirement

Disability Pay and CRSC Page 22 CRDP Phased in Military Benefit - Need

20 yrs and VA Rating 50 or > = Net Gain

(10-40% VA rating no net gain). See

Military.Com website for best CRDP info.

CRSC Military Benefit Combat or

Combat Training Disabilities seewww.dfas.mil/retiredpay/combat-

relatedspecialcompensationcrsc.html

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Military Transition

April 2009

Compensation(continued)

Additional CRSC information is available atthe following web sites.

Army: www.crsc.army.mil

Navy & Marine Corps:www.hq.navy.mil/ncpb/CRSCB/combatrelated.htm

Air Force: www.afpc.randolph.af.mil/library/combat.asp

DoD: www.defenselink.mil/prhome/mppcrsc.html

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36

Military Transition

April 2009

VA health care for all rated service-connected conditions

Vocational Rehabilitation & Employment

services $10,000 life insurance

Federal employmentpreference

VA loan funding fee waived Possible State and local benefits for

veterans

Compensation - Related Benefits

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38

Military Transition

April 2009

How to Apply?? Pre-Discharge

Program Purpose: Provide complete transitionassistance to all service members

May include all phases of disability

claims processing from receipt of claimthrough examination and the ratingprocess

Claims are accepted from servicemembers within 180 days ofseparation or retirement

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Military Transition

April 2009

Pre-Discharge Program

Benefits Delivery atDischarge(BDD)

Specific type ofpre-discharge claim Service member must:- Bring a copy of STRs/HTR- Have 1-180 days remaining in service

- If you cant remain atpoint ofseparation VA will schedule VA exam(s)wherever you go

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Military Transition

April 2009


BDD (continued) VA will provide all neededexaminations for VA (and DoD?)purposes (Explain about C&P

Exams) Goal is to complete a disability rating

(Decision) within 60 days of

separation Vocational Rehabilitation &

Employment(VRE) services maybegin while on active duty

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Military Transition

April 2009


Benefits Delivery atDischarge(BDD)

Service members can submit BDD packetsanywhere VA accepts claims.

This includes:

VA Regional Offices

Intake sites on military installations VA medical facilities VA claim workshops

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42

Military Transition

April 2009


Quick Start Claims

Quick start claims are received fromservice members who do not qualify for

BDD claims because they:

Have less than 60 days beforeseparation/retirement

OR

Are unable to attend all examinationsprior to separation

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Military Transition

April 2009


Quick Start Claims

VA requires:

VA Form 21-526, Application forCompensation and/or Pension

Original or copies of STRs

Known date of separation

Apermanentaddress, phone number,andemail address

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Military Transition

April 2009

Pension

You may have relatives

eligible for this benefittoo!

Page 35

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Military Transition

April 2009

Must be an honorably dischargedveteran.

At least 90 days of active military service

(generally, 24 months for enlistmentsafter September 7, 1980)

At least one day of wartime service(combat service not required)

Totally & permanently disabled, orattained age 65

Within income limits to qualify for thisbenefit

Pension

Eligibility Requirements

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46

Military Transition

April 2009

Pension

Income-Based Benefit

Following chart shows the monthly ratefor veterans found eligible and who

have no source of countable familyincome that would reduce the rate

Ifthere is countable family

income, the monthly rate isreduced, dollar-for-dollar, bytheamountofcountable family income

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Military Transition

April 2009

Veteran Status Regular

If house-

bound

If in need ofaid &

attendanceVeteran alone $985 $1,204 $1,644

W/ spouse 1,291 1,510 1,949

W/ spouse + 1 child 1,459 1,678 2,118

W/ spouse + 2 1,627 1,846 2,286

Pension

Sample Monthly Rates

Rates effective Dec 1, 2008

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48

Military Transition

April 2009

Complete a VA Form 21-526(VeteransApplicationforCompensationand/or Pension)

Provide other supporting records,VA canhelp obtainthem

Submit alldocumentstoappropriate VA Intake Site orRegional Office

Compensation& Pension

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Military Transition

April 2009

Contact VA for the application

form by calling 1-800-827-1000

Application form may be availableon base

Or apply on the Internet atwww.va.gov

Compensation & Pension

How to Apply(continued)

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Military Transition

April 2009

Compensation

Time Limit No time limit to apply for

Compensation

For Compensation, benefits will be paidretroactive to the date ofseparation/retirement if VA receives theapplication within one year of the

separation/retirement. Otherwise,benefits are effective no earlier than thedate VA received the application.

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Military Transition

April 2009

HealthCare

Page 1

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Military Transition

April 2009

General

EVERY VETERAN SHOULDENROLL/APPLY IMMEDIATELYAT SEPARATION!!!!!

VA medical system consists of 21integrated networks of care thatfocus on pooling and aligningresources to better meet local

health care needs and providegreater access to care

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Military Transition

April 2009

VA provides care at about 1,300facilities: 158 hospitals

858 ambulatory care andcommunity-based outpatientclinics

206 Vet Centers 133 nursing homes 42 residential rehabilitation

treatment programs

General(continued)

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Military Transition

April 2009

General(continued)

Primary Care

Specialty and Inpatient Care

Preventive Health Care Pharmacy Benefits

Emergency Care

Diagnosis andT

reatment forMental Health and SubstanceAbuse

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April 2009

General(continued)

Surgical Care and OrganTransplantation

Rehabilitation

Nursing Home Care

Home Health Care

Respite and Hospice Care

Readjustment Counseling

Blind Rehabilitation Services

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April 2009

DentalCare provided:

Generally, for any service-connected condition

While participating in VAvocational rehabilitation program

For veterans in some othercategories; e.g., former prisonersof war

General(continued)

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Military Transition

April 2009

Dental (continued)

For recently separated veterans

who served for 90 days or more, andwho apply within 180 days ofseparation

Note: This is for one time treatment of dentalconditions if the veterans separation documentdoes not indicate that necessary dental carewas received within 90 days prior to release ordischarge

General(continued)

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Military Transition

April 2009

Maternity Care

Provided for enrolled womenveterans

Care provided in the community andpaid by VA

Continues through the post-partum

visit

Does not provide care for thenewborn

General(continued)

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April 2009

Eligibility

Veterans who served in the activemilitary, naval or air service and whowere discharged or released under

conditions other than dishonorable Former Reservists who served full-time

and for operational or support(excludes training purposes)

Former National Guard members ifmobilized by a Federal order

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Military Transition

April 2009

Eligibility

Most veterans who enlisted in theArmed Forces after 9/7/80 must have

completed:

24 months continuous active

service, or

the full period for which they

were called or ordered to active

duty A service-connected condition is not

necessary to receive VA health care

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61

Military Transition

April 2009

Veterans of Operations Enduring

& Iraqi Freedom

VA provides free health care for:veterans who served on activeduty in a theater of combatoperations after November 11,1998, for any illness possibly

related to their service in thattheater

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Military Transition

April 2009

Veterans of Operations Enduring

& Iraqi Freedom(continued)

Time Limits: You have five years from

date of discharge from active duty, if

you were discharged from active duty

on or after January 28, 2003. You have

until January 27, 2011, if you were

discharged from active duty beforeJanuary 28, 2003, and were not

enrolled as of January 28, 2008.

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Military Transition

April 2009

Reserve/Guard Members

and TRICARE(non-VA)

Certain Reserve/Guard members activatedin support of a contingency operation areentitled to Department of Defense medicalcare under the TRICARE program

Family members are included

Arrangements must be made with theReserve/Guard component, and certainarrangements may have to be made priorto release from active duty

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April 2009

Vet Centers Provide

Readjustment counseling services toveterans and their families

Community-based care

Bereavement counseling for familieswho lose an active duty servicemember

Veteran-focused services Supportive and completely confidential

services

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Military Transition

April 2009

Vet Centers - Special Services

Individual Counseling

Group Counseling

Marital & Family Counseling

Alcohol & Drug Assessment

Spouse/Significant OtherCounseling

Employment Counseling &Guidance

U S D f V Aff i

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Military Transition

April 2009

Vet Centers - Special Services

(continued)

Bereavement Counseling

SexualT

rauma Counseling Referral to Community Agencies

Community Education

Liaison with VA Facilities Benefits Assistance & Referral

U S D t t f V t Aff i

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Military Transition

April 2009

Vet Centers are in all 50 states, theDistrict of Columbia, Puerto Rico,Guam, and the U.S. Virgin Islands

Telephone numbers are available inlocal telephone directories under U.S.Government, Department of Veterans

Affairs, Vet Center A complete directory is available on

the Internet atwww.va.gov/rcs

Locate a Vet Center


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Military Transition

April 2009

Military Sexual

& OtherPersonalTrauma


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Military Transition

April 2009

AnyoneCan Be a Victim

of Sexual or OtherPersonalTrauma

U S D a tm nt of V t an Affai

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Military Transition

April 2009

Military Sexual

& Other PersonalTrauma

Definition: An event of humandesign that threatens or inflictsharm

Examples: Rape, Physical Assault,

Domestic Battering, Robbery,Mugging, & Stalking

U S Department of Veterans Affairs

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Military Transition

April 2009

Veterans are eligible for health care andcounseling (e.g., for PTSD) resultingfrom sexual and other personal trauma

even though the incident was neverreported

Care and counseling can be provided to

veterans who have qualifying militaryservice and express a need for the care

Treatment & Counseling


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Military Transition

April 2009

Residual disability from sexual or otherpersonal trauma while on active duty is

considered service-connected for VACompensation purposes, however

there must be sufficient evidence to

support the claim and the existence ofany residual disability caused by thetrauma

Compensation


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VA EDUCATION BENEFITS

Page 37 BE CAREFUL WHAT YOU ASK FOR!!!

CHOICES CAN BE IRREVOCABLE

USE THE TOOLS ON OUR WEBSITE

AND TALK TO VA BEFORE APPLYING

Some benefits can be combined for up to 48

months total!April 2009


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CHAPTER 31 30 33 1606 1607 35

Voc Rehab Montgomery

Active Duty

Post 9/11 Montgomery

Select Reserve

REAP

(90 days) (1 YR) (2 YRS)

DEA

Allowance

(Full Time)

(3/4 Time)(1/2 Time)

$541.05

$406.53$272.02

$1,368.00

$1026.00$684.00

$1998.00*

TBATBA

$333.00

$249.00$165.00

$547.20

$410.40$273.60

$820.80

$615.60$410.40

$1094.40

$820.80$547.20

$925.00

$694.00$461.00

Dependent Allowance YES NO NO NO NO NO NO NO

Tuition and Fees ALL NONE$6,194.25**Per term NONE NONE NONE

NONE NONE

Equipment If required NONE NONE NONE NONE NONE NONE NONE

Books and Supplies All required NONE $1,000.00 per yr.*** NONE NONE NONE NONE NONE

Tutoring Allowance YES YES YES YES YES YES

License andCertification Testing

up to $2000

If required Unlimited One YES YES NO

Work Study YES YES YES YES YES YES

Transfer ofentitlement to

dependents

NO Army only YES NO NO NO NO NO

Delimiting Time 12 years 10 years 15 years NONE NONE NONE NONE26th birthdaymay be waived

Allowed full timemonths 48 36 36 36 36 36 36 45

Under Chapter 30 and 33 you are allowed a total of 36 months combined. Any two programs a veteran qualifies for can be combined for a total of 48 months. Active Duty Personnel and Student going to school lessthan half time will only be paid Tuition and Fees paid. Payment will vary by each state and school and length of service. I f veteran converts to Chapter 33 and uses all remaining months of entitlement transferred,they will receive a refund of initial $1200 contributed. Any amount of Chapter 30 used subtracts about $33 a month from refund. Education Benefits can be used for Institutional Training (College, Vocational orTrade School), Apprenticeship and On-Job Training, Correspondence and Flight, Cooperative Training.

* Based on the Basic Housing Allowance, (BHA) for an E -5 With Dependents of the Zip Code of the school student is attending.** Yellow Ribbon Program. VA may be able to pay above the maximum In State Tuition and Fee for an Under Graduate program if the private school is willing to pay

one half of the difference between the maximum In State Tuition Rate and the actual cost of the course. Then the VA may pay the other half of the difference.*** Portion of Book Allowance will be paid with the first monthly payment of BHA Allowance each Term/Quarter/Semester of Enrollment.

For more information contact VA Education at 1-888-442-4551 or visit our web site at www.gibill.va.gov/


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Military Transition

Application Procedures

Individuals are encouraged to apply using VA Form 22-1990, Application for Education Benefits

The paper application and VONAPP forms available on the

GI Bill website contain ch33 information

Individuals who previously applied for benefits may use VAForm 22-1995, Request for Change of Program or Place of

Training

A signature is not required in support of applications for

education benefits or applications for a change of programor place of training


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U epa e o e e a s a s

86

Military Transition

April 2009

Montgomery GI Bill Active Duty

(MGIB-AD)

Page 40

Chapter 30, Title 38United States Code


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p

87

Military Transition

April 2009

MGIB-AD - General

Eligibility based, in part, on activemilitary service and $1200 buy-in

Up to 36 months of benefits (Full-

time equivalent)

Benefits payable for up to 10 yearsfollowing release from active duty

Various education and trainingprogram options

May be used while on active duty


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p

88Military Transition

April 2009

Required:

Character of service must behonorable

A high school diploma or equivalentprior to applying

Benefits may be used for:

College courses leading to a degree

Business/technical/vocational coursesleading to a certificate or diploma

MGIB-AD General(continued)

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April 2009

Schools, trainingestablishments, and coursesmust be approved for VAbenefits

ASK VA ABOUT WORK STUDY!!

CHECK OUT SCHOLARSHIPS!

MGIB-AD General(continued)


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April 2009

MGIB-AD Category 1

InstitutionalMonthly RatesEffective Oct 1, 2009Less than 36 months

commitment

36 months or morecommitment

Full time $1,111.00 $ 1,368.00

time 833.25 1026.75

time 555.50 684.00

Less than time;more than tme

555.50* 684.00*

time 277.75* 342.00*

Visit www.gibill.va.gov for current rates*Tuition & fees only. Payment cannot exceed the listed monthly rate.


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Layer up your benefits!!:

Basic entitlement College Fund

$600 Buy Up

Work Study

State Education Benefits

Scholarships

State Unemployment

MGIB can be better than P9/11!!April 2009


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Things to consider:

If you go over to P9/11, the $1200 isrefundable only on last P9/11payment

$600 buy up non refundable

If you go over to P9/11 from MGIByou only get remaining entitlement,

but if you use up allMGIB you mayget 12 more months of P9/11.

April 2009


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April 2009

Page 37Chapter 33, Title 38

United States Code

CAN ONLY BE USED AT INSTITUTE OF

HIGHER LEARNING!!!

NOT AT NCD INSTITUTIONS

The PostThe Post--9/11 GI Bill9/11 GI Bill

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April 2009

PostPost--9/11 GI Bill Eligibility9/11 GI Bill Eligibility

NO MONETARY CONTRIBUTIONREQUIRED!!

An individual who served on active

duty after 09/10/01 may beeligible for 36 months of the Post-9/11 GI Billif the individual

Served for at least anaggregate period of 90 days. Exception: An individual discharged due to a service-connected disability AFTER at least 30 continuous days onactive duty after 9/10/01.


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April 2009

Eligibility CriteriaEligibility Criteria

SOME SERVICE CANT BE COUNTED: Title 32 AGR; or

Service Academy Contract Period; or

ROT

C contract period under 10 U.S.C.2107(b); or

Service terminated due to an erroneous ordefective enlistment; or

Service used for loan repayment; or

Selected Reserve Service used to establisheligibility under chapter 30, 1606, or 1607.

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At least 36 months(1) 100

At least 30 continuous days on active duty

(Must be discharged due to service-connected disability)

100

At least 30 months, but less than 36 months(1) 90

At least 24 months, but less than 30 months(1) 80(3)

At least 18 months, but less than 24 months(2) 70(3)



At least 90 days, but less than 6 months(2) 40

Service Requirements

(after 9/10/01 an individualmust serve an aggregate of)

% of Maximum

Benefit Payable

Eligibility & Entitlement

(1) Includes entry level and skill training (2) Excludes entry level and skill training (3) If the service

requirements are met at both the 80 and 70 percentage level, the maximum percentage of 70 must be

applied to amounts payable


i i

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April 2009

Payments -- Tuition/Fees Individuals are eligible for the

applicable percentage (prorated basedon aggregate active duty service) of thelesser of

Established charges; or Highest amount of established

charges for full-time, undergraduatetraining at a public Institution of

Higher Learning (IHL) in the Statethe student is attending.

PAID DIRECTLY TO SCHOOL!


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April 2009

Veteran Tuition Payments

the school will receive the lesser of:

Tuition and fees reported (proratedbased on veterans length of service

percentage) or Highest in-state undergraduate IHL

tuition/fees cost (prorated based onveterans length of service)


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Monthly Housing Allowance Equivalent to Basic Allowance for Housing

(BAH) for an E5 with dependents Amount determined by zip code of the IHL

where the student is enrolled

Prorated based on the percentage of themaximum benefitpayable

Allowance Not Payable: 1) to Activeduty/terminalleave 2) for training at time or less 3) if pursuing all on line

courses See www.va.gov for BAH calculator


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Monthly Housing Allowance

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Monthly Housing Allowance

Housing

Allowance

information is

available in

WEAMS on the

Issue and

Remarks tab

107

VER071409Outreach


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April 2009

Books and Supplies Stipend Up to a $1,000 per year

Paid proportionally for each quarter,semester, or term attended, or lump

sum @ $41.67 per credit/hr Prorated based on the percentage of

the maximum benefitpayable

Active duty members are noteligible


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College Fund and Kickers

MGIB_AD and MGIB-SR kickers

Individuals eligible for a kickerunder another benefit may receive

the kicker under the Post-9/11 GIBill

Monthly kicker amount will be prorated

based on the individuals training rate Payments issued in a lump sum

directly to the student


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April 2009

Licensing and Certification Tests

Eligible individuals may be reimbursedfor ONE licensing or certification test

Test must be approved for VA benefits Test must be taken on or after August 1,

2009

Reimbursementmay not exceed $2,000

Does not count against 36 moseligibility

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Yellow Ribbon ProgramYellow Ribbon Program IHLs may voluntarily enter into anagreement with VA to fund tuition and feescosts that exceed the highest in-stateundergraduate tuition and fees for the Statewhere the IHL is located

Only for individuals entitled to the 100 %rate (based on service requirements)

Spouses and children using transferredbenefits from a service member are also

eligible for the Yellow Ribbon ProgramActive Duty not Eligible


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T f f E titl t

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April 2009

Transfer of Entitlement

NAVADMIN 203/09 Only the following entities may authorizetransfer of benefits

Secretary of Defense (when the Coast Guard is

operating as a service of the Navy)

Secretaries of Army, Navy, or Air Force

Secretary of Homeland Security (for Coast

Guard) PHS/NOAA members are not eligible to transferbenefits as only the Secretaries above may offertransfer of benefits


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Transfer of EntitlementTransfer of Entitlement

Any member of the Armed Forces(active duty or Selected Reserve, officeror enlisted) on or after August 1,

2009, who is eligible for the Post-9/11GI Bill, and

Has at least 6 years of service in theArmed Forces on the date of election andagrees to serve 4 additionalyears inthe Armed Forces from the date ofelection.


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Has at least 10 years of service in theArmed Forces (active duty and/or selectedreserve) on the date of election

and is precluded by either standardpolicy (service or DoD) or statutefrom committing for additionalyears,

and agrees to serve for the maximum

amount of time allowed by suchpolicy or statute, or


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For those individuals eligible forretirement on August 1, 2009, noadditional service is required.

For those individuals who have anapproved retirement date afterAugust 1, 2009, and before July 1,

2010, no additional service is required.


T f f E titl tT f f E titl t

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For those individuals eligible forretirement after August 1, 2009, andbefore August 1, 2010, 1 year of

additional service after approval oftransfer is required.

For those individuals eligible forretirement on or after August 1, 2010,

and before August 1, 2011, 2 years ofadditional service after approval oftransfer are required.


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For those individuals eligible forretirement on or after August 1, 2011,and before August 1, 2012, 3 years ofadditional service after approval oftransfer required.

NAVYPOC IS ANN HUNTER 931-535-3167

[email protected] MARINE POC IS CATHERINE GILEY703-

784-9550 [email protected]

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Using Transferred EntitlementUsing Transferred Entitlement

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Spouses May use after transferor completes 6 years in Armed

Forces

Paid at transferors rate Spouse cant be paidhousing allowance or books and supplies stipend if

the transferor is on active duty Can, unless the transferor revokes transfer, continue to

use benefits if divorced after the transfer

Can use benefits up to transferors 15-year eligibilityperiod, unless transferor specifies an earlier ending date

Under law, benefits are not marital property and arenot subject to division in a divorce or other civilproceedings



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Using Transferred EntitlementUsing Transferred EntitlementChildren

Must be transferred to an unmarried child who hasnot reached the age of 18 or, if in school, beforechild is 23 years of age

May use after transferor completes 10 years service

To commence training, child must have

attained age 18; or completed requirements of secondary school

diploma (or equivalency certificate)

Receives veteran rate, INCLUDING housingallowance & book stipend, even if transferor is on activeduty

May use until age 26 even if after transferors 15-yeareligibility period ends

May continue to use benefits after marriage


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Basic steps for transferring benefits

Talk with the chain of command or careercounselor to determine service obligation.

Ensure the required service obligation is reflected in theElectronic Service Record.

Request to transfer benefits at the DefenseManpower Data Center (DMDC) Web site atwww.dmdc.osd.mil/TEB/ .

The transfer MUST be completed while in the

armed forces (active duty or selected reserves).

April 2009


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April 2009



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1) After you enter your request, check theDMDC website for your application status.

2) Once approved, print a copy, 3) then go

to VA's website to the Veterans Online

Application (VONAPP)

http://vabenefits.vba.va.gov/vonapp/ . Follow

the instructions to create user name and

password. After account is created, select"Create New Form" from drop-down and

choose VA Form 22-1990e.April 2009



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4) VA will verify eligibility and provide acertificate of eligibility to the family member

designated to receive the benefits.

5) Family members will take the certificateof eligibility to the college and complete

appropriate documentation via computer to

VA to receive Post 9/11 benefits (paid

retroactively but no earlier than 8-1-9).

April 2009


ff

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April 2009

ReferencesReferences

GI Bill Website

www.gibill.va.gov

Sign up for FAQ updates! Sign up for RSS feeds to be notified of anychange on web page (orange block on pagethat says RSS)

GI Bill Call Center (VA staffed) 1-888-GIBILL-1


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April 2009

Montgomery GI Bill Selected Reserve

(MGIB-SR)Page 66

Chapter 1606, Title 10United States Code


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April 2009

MGIB-SR - General

Up to 36 months of benefits

Effective June 30, 2008, benefitsare payable as long as individualremain within their component

Various education and trainingprogram options


l

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April 2009

Benefits may be used for: College courses leading to a degree

Business/technical/vocational courses

leading to a certificate or diploma Tests for a license or certification

Apprenticeship or on-the-job trainingprograms

Correspondence courses Entrepreneurship courses

MGIB-SR - General


MGIB SR G l

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April 2009

Benefits may be used for(continued): Flight training (need private pilot

license first)

Tutorial assistance (if shown to benecessary)

Foreign schools (degree programsonly)

MGIB-SR General(continued)

Schools, training establishments, andcourses must be approved for VAbenefits


MGIB SR

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April 2009

MGIB-SR

Eligibility Requirements: Have a six-year obligation to serve in the

Selected Reserve signed after June 30,1985

Completed initial active duty for training(IADT)

Received a high school diploma orequivalency certificate before applying

for benefits Remain in good standing while serving in

an active Selected Reserve unit


MGIB SR

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April 2009

Visitwww.gibill.va.govforcurrentrates

MGIB-SR

InstitutionalMonthly RatesEffective Oct1, 2009

Fulltime $ 333.00

time 249.00 time 165.00

time 83.25


Reserve/Guard Entitlement

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April 2009


to Chap. 30 (Active Duty)Certain Reserve/Guard members mayquality for Montgomery GI Bill benefits

based on active duty if they: were activated under Title 10 U. S. Code

after July 1, 1985 had no active duty prior to July 1, 1985

served on active duty continuously for 24months



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April 2009

Reserve/Guard Entitlementto Chap. 30 (Active Duty)

(continued)

completed DD Form 2366 (Election toParticipate in the MGIB Active DutyProgram)*

paid $1,200 to DFAS to enroll in theprogram*

had honorable service for the active duty

period*Must be accomplished while on active duty


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April 2009

Reserve Educational

Assistance Program(REAP)

Page 67

Chapter 1607, Title 10

United States Code

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REAP - General

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April 2009

REAP - General

REAP provides educational assistance tomembers of the guard/reservecomponents called or ordered to active

duty in response to a war or nationalemergency as determined by thePresident or Congress.


REAP

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April 2009

REAP

Eligibility Requirements: A member of a Guard/Reserve

component who serves on active dutyafter September 11, 2001, for acontingency operation and who served atleast 90 consecutive days or more maybe eligible.

Individuals are eligible as soon as theyreach the 90 day point, regardless ofduty status.


REAP - Reserves

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April 2009

REAP - Reserves

Currently, qualifying members were calledunder:

Sections 688,12301(a),12302,12304,

12305, and 12406, of Title 10 or Title 15,

or any other provision of law during awar or national emergency as declaredby the President or Congress.

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REAP

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April 2009

REAP

Monthly Rates

Benefits paid under REAP are apercentage of the Chapter 30 MGIB 3-

year rate. Rates are based on the year the

education training occurred. See the GIBill website for historic rates.


REAP Benefits For 2009/10

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April 2009

Effective Oct 1, 2009

Individuals whoserve at least 90

days but less than1 year of

consecutive active

duty


year but less than2 years of

consecutive active

duty


years consecutiveactive duty

$547.20

For fulltimetraining

$820.80


$1,094.40


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REAP

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April 2009

REAP

Disability

Individuals released before the 90 day

point for disability incurred during oraggravated by the line of duty willreceive benefits at the 40% rate.


REAP

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April 2009

REAP

Entitlement: Individuals will receive 36 months of

entitlement.

The 48 month combined benefitsentitlement rule applies.

Restoration of entitlement applies forthose who were forced to withdraw afterbecoming eligible.


REAP Delimiting Date

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April 2009

REAP - Delimiting Date

REAP participants do not have a delimitingdate.

Individuals are eligible for benefits as long asthey remain within their component.

Individuals leaving their component will loseeligibility.

Individuals released for disability will have 10years from the date of eligibility to usebenefits.


REAP Delimiting Date (continued)

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April 2009


Servicemembers receiving assistance under REAPwill have benefits terminated if:

they receive financial assistance under section2107 (Senior ROTC scholarship) of title 10,

U.S.C., or

they separate from the Selected Reserve, ifthey were called up from the Selected Reserveor the Individual Ready Reserve (IRR), if they

were called up from the IRR (10 U.S.C. 16165).These events do not result in permanenttermination of eligibility.



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April 2009


An individual can have a break in SelectedReserve service of up to 90 days and stillreceive benefits as long as the individualremains in the Ready Reserve during and afterthe break.

The Department of Defense and theDepartment of Homeland Security (for CoastGuard cases) determine eligibility under chapter

1607 and they administer this provision.


REAP General

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April 2009

REAP General

Benefits may be used for:

College courses leading to a degree

Business/technical/vocational

courses leading to a certificate ordiploma

Apprenticeship or on-the-job trainingprograms

Correspondence courses


REAP General

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April 2009

REAP General

Benefits may be used for(continued):Foreign schools (degree programs only)

Entrepreneurship courses

Tests for a license or certificationeffective 1-6-06

Tutorial assistance (if shown to benecessary)

Flight training (need private pilot licensefirst)


REAP programs not available

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April 2009

REAP programs not availableT

he following programs are not available forREAP:

Accelerated payment

Tuition assistance top-up

Death benefit,

Transferability of entitlement todependents before June 30, 2008

Licensing and certification tests beforeJanuary 6, 2006

National tests for admission or credittaken


REAP

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April 2009

Bar to Dual Eligibility Individuals cant use the same period of

service to qualify for REAP and Chapter30. The election to use the period of

service for one benefit type isirrevocable.

A reservist under Chapter 1606 will retain

eligibility to thatprogram even if he/sheis called up and uses the active dutyperiod to qualify for REAP.


REAP Retroactive

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April 2009

REAP - Retroactive

Benefits under REAP are potentiallyretroactive to December 9, 2001, for a

person who was called to duty onSeptember 11, 2001.

Remember, the fiscal year during whichthe educational training took place willdetermine the basic rate for REAP.


Education & Training

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April 2009

Internet:

Apply on-line atwww.gibill.va.gov underElectronic Application Form


How to Apply



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April 2009

Hardcopy:

Download VA Form 22-1990 byselecting Education Forms at

www.gibill.va.govor Request the form through the Ask a

Question feature on the Websiteor

Call 1-888-GIBILL1 (1-888-442-4551) to request that the form besent

How to Apply (continued)



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April 2009


How to Apply(continued) Completed application, with copy 4 of

DD Form 214 (Report of Separationfrom Active Military Service), can be

submitted to:VA Regional Office

(see application form for office address)

OR

VA Certifying Official at school or trainingestablishment

Allow 30 - 60 days for processing



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Individuals should fully complete the application, andprovide election information, if applicable

Elections must include:

The effective date of the election, which must be on or

after August 1,2009;

The benefit the individual is relinquishing to receive

ch33 benefits; and

Acknowledgement that the election is irrevocable.



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Certificates of Eligibility

Benefit level based on length of service, includingYellow Ribbon for individuals at the maximum benefit

level

15-year eligibility date for individuals not on active

duty

Number of months of entitlement

Eligible individuals should provide a copy of their

Certificate of Eligibility to the institution they wish to

attend

Institution will provide enrollment information to VA to

initiate payment



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April 2009

Visit the official VA educationbenefits Internet site at:www.gibill.va.gov

Click the Ask a Question and FindAnswers link to view our FrequentlyAsked Questions, or ask a question

OR

Call VA at: 1-888-GI BILL-1(1-888-442-4551)

gFor Assistance


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April 2009

VocationalRehabilitation

&Employment

Page 27-34


Program Objective

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April 2009

Program Objective

The VAs 48 monthVocationalRehabilitation and Employmentprograms primary function is to help

active duty service members andveterans who have service-connecteddisabilities become suitably

employed, maintain employment, orachieve independence in daily living.


Basic Eligibility

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April 2009

Basic Eligibility(continued)

Have received, or eventually willreceive, an honorable or other thandishonorable discharge

Documentation of service-connecteddisability or disabilities ratable at20% or more, and have anemployment handicap resultingprimarily from such disability


Basic Eligibility

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April 2009

Basic Eligibility(continued)

Veterans rated as 10% disabledwith a serious employment handicap(SEH) may be entitled to Vocational

Rehabilitation and Employmentservices.

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Counseling

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April 2009

Counseling

A counseling appointment will be set forservice members and veterans foundeligible to accomplish the following:

Evaluate the applicants interests,aptitudes, and abilities based upontesting and interviews

Meet with a Vocational Rehabilitation

Counselor to explore the applicantsvocational goals and objectives


Rehabilitation Plan

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April 2009

Rehabilitation Plan

A written, detailed outline of servicesprovided under VR&E. The followingservice delivery options may be providedunder a Rehabilitation Plan:

Reemployment Rapid access to employment Employment through long term services

Independent living services Self-employment


VRE pays all tuition and fees

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VRE pays all tuition and fees

Pays for all books and supplies

Pays for some tools

M

onthly stipend (see www.va.gov ) Can use WORK STUDY

Access to 100% VA Medical/Dental

while training

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Pre-Discharge Program/B fit D li t Di h g

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April 2009

Benefits Delivery at Discharge

(BDD)

Service members may also apply forVocational Rehabilitation &

Employment in the Pre-DischargeProgram/BDD process.

The Pre-Discharge/BDD process wascovered in the earlier Compensation& Pension part of this briefing.


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April 2009

Life

Insurance

Page 57


Servicemembers Group

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April 2009

Life Insurance (SGLI)

$400,000 automatic maximum coverage

Member can decline or choose lesser amount

Member mustprove good health to reapply Coverage available in increments of $50,000

Free coverage for 120 days after members

separation from service and can beconverted to a commercial or VGLI policywith no physical exam


SGLI Basic Coverage

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April 2009

Insures active duty members, ReadyReservists, cadets at service academies, NOAAand Public Health Service

Convertible to VGLI or commercial policy afterseparation from service (can split coverage)

Premium Rates 6.5 cents monthly per $1,000 coverage Example: $26.00 for $400,000 coverage

+ $1 TSGLI= $27 per month


Traumatic Injury SGLI (TSGLI)

ff i ( i f

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April 2009

Effective 12/1/05 (retroactive forOEF/OIF)

Payable to members who suffer aqualifying loss due to traumatic injury

Rapid financial assistance for service membersand families to defray expenses duringrecovery

Coverage automatic for members with SGLI

No SGLI coverage required for retroactiveclaimants (OEF/OIF)


Traumatic Injury SGLI (TSGLI)

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April 2009

Benefit of $25K$100K depending on injury

Premium is $1.00 per month

TSGLI rider automatic with SGLI coverage

Types of loss covered include:

Loss of limbs; paralysis; severe burns

Loss of vision, hearing, speech

Coma, or Inability to perform 2 Activities of DailyLiving due to Traumatic Brain Injury

Complete list of losses available on TSGLI website

www.insurance.va.gov TSGLI ends afterseparation from service

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Veterans Group Life Insurance (VGLI)

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April 2009

Lifetime renewable term insurance

Premiums increase with age

Maximum coverage=amount of SGLI at

time of separation from service VGLI=conversion of SGLI to a civilian

coverage policy

Available in increments of $10,000

Convertible to a commercial policy at anytime


VGLI Premium Rates

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April 2009

Age PremiumGroup Rate

0-29 $16.0030-34 $20.00

35-39 $26.00

40-44 $34.00

45-49 $44.0050-54 $72.00

55-59 $134.00

M

onthly Premiums for $200,000 of Insurance (Aug 2009)


Service-Disabled Veterans Insurance(S DVI)

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April 2009

Maximum coverage= $10,000 Eligibility for S-DVI coverage:

Discharged on or after April 25, 1951 No dishonorable discharge Must apply within 2 years of

notification of a new service-connecteddisability

Must be in good health, except for anyservice-connected disabilities

(S-DVI)


Social Security Disability

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April 2009

Insurance Disability or Survivor Benefits

May be available to injured active duty

Regardless of where injury occurred Expedited service for Line of Duty disabilities on or

after October 1, 2001

How To Apply:

On-Line atwww.socialsecurity.gov Telephonically at 1-800-772-1213

In-Person at Social Security Office


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April 2009

Home Loan

Guaranty

Page 47


Features of a VA Loan

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No down payment Limitations on closing costs

The right to prepay without penalty

No Funding Fee with service connecteddisabilities 10% or greater

Negotiated interest rates

Special assistance for service members andveterans experiencing difficulty in makingloan payments (call 877-827-3702 or go towww.va.gov )

No time limit to use and can use multipletimes.


Loan Purposes

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Buy a home Build a home

Refinance existing loan

Repair, alter, or improve a home

Buy government owned properties (GoogleGovt Owned Properties)

Use only for property located in the US, itsterritories or possessions

Must occupy the property as your homewithin a reasonable period of time


Loan Amounts

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April 2009

VA does not have a maximum loan income and credit will determine it.

There are loan limits which vary by

county. Lenders may require a downpayment for loans above these limits.

To see the limits for 2009, visit this

link:http://www.homeloans.va.gov/docs/2009_county_loan_limits.pdf


Funding Fee

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April 2009

Law requires funding fee to be paidon VA loans

Fee ranges from .5% to 3.3%,

depending on loan type and if firsttime or subsequent user

Fee can be included in loan

Fee is waived for vets entitled to VA

disability compensation


Steps to a VA Home Loan

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Steps to a VA Home Loan

1. Apply to a mortgage lender fora loan get preapproved!

2. Find a home

3. Lender will apply for aCertificate of Eligibility

4. Lender will obtain VA

appraisal5. Close the loan and move in


Native American

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April 2009

Direct Loans VA makes direct loans to NativeAmericans living on Trust Land

(reservations, homelands, etc.) Maximum loan amount is the same as

the amount allowed for VAguaranteed loans

Vets must still meet creditqualifications


More Information?

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April 2009

Visit Loan Guaranty

on the Internet at:www.homeloans.va.gov


Burial

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April 2009

&

SurvivorBenefits

Page 63 & 95


Burial Benefits

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April 2009

Plot or Niche in NationalCemeteries

Or State Veterans Cemeteries

Headstone or Marker

BurialFlag

PresidentialMemorial Certificates

Burial Cost Reimbursement


BurialBenefits- (continued)

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April 2009

Eligibility Veteran, spouse, anddependent

children

Veteran defined: Other than dishonorable discharge

Active duty service, not including

Reserve active duty for training Retirement eligible Reserve and

National Guard members


BurialBenefits

Other- (continued)

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April 2009

Other- (continued)

Burial CostReimbursement

Service-ConnectedDeath: upto$2,000

NonService-ConnectedDeath (limitedentitlement): Upto$300 towardburialand funeralexpenses, and$300

plotallowance whenburialis inacemetery notunderU.S. government

jurisdiction


Recap--Service-Disabled VeteransInsurance (S-DVI) is a GREAT

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April 2009

Maximum coverage= $10,000 Eligibility for S-DVI coverage:

Discharged on or after April 25, 1951 No dishonorable discharge Must apply within 2 years of notification of a

new service-connected disability

Must be in good health, except for anyservice-connected disabilities

Insurance (S DVI) is a GREAT

BURIAL POLICY!!!


BurialBenefits- (continued)

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April 2009

To Do ListTo ease the burden on family members,the veteran should:

Provide appropriate loved ones with acopy of his/her discharge document (DDForm 214, Report ofSeparation fromActive Military Service), and

Inform them of his/her burial wishes final resting place, etc.


Dependency & Indemnity

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April 2009

Compensation (DIC) Monthly tax-free benefitpaid to thesurviving spouse ofaservicepersonwho died while on active duty, or

veteran who died due to service-related condition

Currently, $1,154 monthly

Increased by $286 for eachdependent child


DIC (continued)

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April 2009

Surviving minor child is directlyeligible for DIC if (a) there is nosurviving spouse, or (b) the child

is not in the custody of survivingspouse

Survivor Benefit Plan (SBP) for

the surviving spouse is offset byDIC



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April 2009

Survivors & DependentsEducational Assistance(Chapter 35, U.S. Code)

Spouse, survivingspouse, and childrenof a veteran may beentitled to this 45mo benefit


Education & Training(continued)

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April 2009

Veteran must: have died while on active duty, or

be totally & permanently disabled

because of a service-relatedcondition(s)(100% or IU), or

have died of any cause while

such service-related disabilityexisted, or


Education & Training(continued)

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April 2009

ProgramsCovered

College, business, technical or

vocational courses, high schooldiploma or GED, independent study ordistance learning courses

Correspondence courses (spousesonly), apprenticeship/job training


SUMMARY

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1. APPLY!! 2. COMMUNICATE! 3. COMMUNICATE AGAIN! 4. KEEP COMMUNICATING! 5. COMMUNICATE SOME MORE! 6. CALL US (invite us)! 7. EMAIL US (invite us)!

8. WRITE US (invite us)! 9. COME SEE US!


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April 2009

COMMUNICATE!

Bob Case

619-400-1636

[email protected]


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QUESTIONS

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Reboot 8-1-10

Documents

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