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TAP Briefing on VA Benefits PowerPoint Presentation
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TAP Briefing on VA Benefits

TAP Briefing on VA Benefits

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TAP Briefing on VA Benefits

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  1. TAP Briefing on VA Benefits Briefing for Transitioning Servicemembers

  2. » » One-stop shop for benefits- related online tools and information • Transfer education benefit • Access online TAP briefing on VA benefits • Download DD 214 • Apply for benefits • View claim status and benefit payments online • Print VA home loan guaranty Certificate of Eligibility (CoE)

  3. Accessing VA Or call us 1-800-827-1000 8:00 a.m. EST to 9:00 p.m. EST 5 Updated December 1, 2012

  4. Department of Veterans Affairs » Veterans Benefits Administration • All non-medical VA benefits: Compensation, Pension, Education, Home Loan Guaranty, Vocational Rehabilitation and Employment, Life Insurance • Administered by VA Regional Offices » Veterans Health Administration • All VA health care services • Administered by VA Medical Centers, Ambulatory Care & Community Based Outpatient Clinics » National Cemetery Administration • National Cemeteries • Support to State Veterans Cemeteries • Headstones & Markers • Presidential Memorial Certificates

  5. 8 Updated December 1, 2012 Veteran Service Organizations » Accredited Veteran Service Organization representatives are available to assist Servicemembers and Veterans in filing for benefits and services. » To obtain a listing of Veteran Service Organizations, visit:

  6. 10 Compensation for Service-Connected Conditions

  7. Service-Connected Compensation » Compensation is paid for a disability resulting from disease or injury incurred or aggravated while on active service. The disability does not have to be combat or wartime related. » Examples: • Torn knee ligament • Hearing loss • Back condition • Post traumatic stress (including the result of sexual trauma) • Traumatic brain injury • Skin condition (psoriasis, eczema, scars)

  8. Rating Process » VA life cycle of a claim » Disabilities are rated from 0% to 100% • Combined overall rating » Compensation is tax free • Compensation paid for disability rating from 10% to 100% • Additional allowance for dependents with 30% or higher rating • The Department of Treasury requires new Federal beneficiaries receive their recurring/monthly benefits electronically

  9. Related Benefits » Free VA health care for all rated service-connected conditions » Vocational rehabilitation & employment services may be available if a Servicemember is 20% with memorandum rating or proposed IDES rating OR Veteran with a VA disability rating of at least 10% » VA life insurance - $10,000 » Veteran’s preference in Federal hiring » VA home loan guaranty funding fee waived » Possible state and local benefits

  10. Compensation & Pension How to Apply » Complete an application » Provide other supporting records; VA can help obtai them. VA Form 21-4142, Authorization and Consent to Release Information to the Department of VA

  11. Compensation & Pension How to Apply Online through eBenefits at -OR- Online through Veterans ONline APPlication (VONAPP) -OR- Through a VA Regional Office (see Federal Benefits for Veterans, Dependents & Survivors, “VA Facilities”, for locations)

  12. Compensation » Severance and/or Separation pay may be recouped (after tax amount) » Concurrent Retirement and Disability Pay (CRDP) » Combat-Related Special Compensation (CRSC)

  13. Compensation & Pension No Time Limit » No time limit to apply for Compensation or Pension » Compensation may be paid retroactive to the first of the month after separation/retirement if VA receives the application within one year of separation/retirement. Otherwise, benefits are generally effective no earlier than the date VA received the application.

  14. 29 Life Insurance

  15. Servicemembers’ Group Life Insurance (SGLI) » $400,000 maximum coverage » Free coverage for 120 days after Servicemember’s separation from service » Convertible to Veterans’ Group Life Insurance (VGLI) or commercial policy after separation from service (can split coverage) » Insures active duty members, Ready Reservists, cadets at service academies, National Oceanic and Atmospheric Administration (NOAA), and Public Health Service (PHS)

  16. Traumatic Servicemembers’ Group Life Insurance (TSGLI) » Rapid financial assistance payable to members who suffer a qualifying loss due to traumatic injury » Benefit of $25K—$100K depending on injury » Automatic for members with SGLI coverage » Traumatic injury need not be combat related » Traumatic injury must occur prior to separation from service » Qualifying loss must occur within two years of date of traumatic injury » TSGLI coverage ends at separation from service.

  17. Family SGLI Coverage (FSGLI) » Coverage ends on the earlier of: • 120 days after the member’s death • 120 days after member cancels their owncoverage or spouse's coverage • 120 days after termination of a dependent’sstatus as an insurable dependent (e.g., divorce) • 120 days from the date the member isseparated or released from the uniformed services » Spouses can convert FSGLI to a commercial policy without proof of good health within 120 days following termination of coverage. 34 Updated December 1, 2012

  18. Veterans’ Group Life Insurance (VGLI) »Lifetime renewable term insurance » Premiums increase with age » Maximum coverage=amount of SGLI at time of separation from service » Available in increments of $10,000 » Convertible to a commercial policy at any time » VGLI-Buy-Up • VGLI insureds can increase coverage by $25,000 up to legislated maximum every five (5) years from original coverage date • Available to VGLI insureds under age 60 • No underwriting required to increase coverage • Apply by phone or online upon notification by Office of Servicemembers Group Life Insurance

  19. How to Apply for VGLI » A series of three mailings are forwarded to last known address after separation » Apply online at eBenefits or VA Insurance website; hard copy application also available online » Have one year and 120 days from separation to apply • Applying within 240 days from separation =no-health review • Applying from 241 days through the end of the VGLI application period (one year and 120 days from separation) =must undergo health review Veterans separating prior to November 1, 2012 still have only 120 days with no-health review

  20. Home Loan Guaranty 62

  21. VA Home Loan Guaranty » Lenders make the loan and VA guarantees it » VA guaranty usually means no downpayment required of Servicemember or Veteran » Servicemember or Veteran must qualify for loan with sufficient income and satisfactory credit » Limitations on closing costs » The right to prepay without penalty » Negotiated interest rates » Individuals having problems making payments may call 1-877-827-3702 for assistance

  22. 64 Updated December 1, 2012 VA Home Loan Guaranty » Buy a home » Build a home » Refinance existing loan » Use only for property located in the US, its territories or possessions » Must occupy the property as your home The Servicemembers Civil Relief Act is intended to ease economic and legal burdens

  23. 65 Updated December 1, 2012 Loan Limits » There is no maximum loan amount » There are maximum loan “limits” • Loans above this “limit” may require a downpayment » Loan limits vary by county

  24. 67 Updated December 1, 2012 Funding Fee » Law requires funding fee to be paid on VA loans » Fee ranges from .5% to 3.3%, depending on loan type and if first-time or second-time user » Fee can be included in the loan » Fee is waived for Veterans entitled to VA disability compensation and certain surviving spouses

  25. VA Home Loan Guaranty Below are various steps involved in obtaining a VA home loan: » Apply for a Certificate of Eligibility (online) » Obtain pre-approval from a lender » Find property to buy » Lender obtains a VA appraisal » Close the loan and move in

  26. Eligibility » Generally, must serve 24 months of continuous active duty or the full period for which called or ordered to active duty » Service must be at least 90 days during a period of war (181 during peacetime), unless discharged earlier due to a service-connected disability » Certificate of Eligibility (COE) shows Servicemember’s or Veteran’s eligibility for the benefit - COE must be updated upon separation/retirement

  27. How To Apply Servicemembers or Veterans can obtain COE through OR Ask your lender to apply online through the VA Portal –, OR Complete and mail VA Form 26-1880 to: Atlanta Regional Loan Center AIIN: COE (262) P.O. Box 100034 Decatur, GA 30031 Eligibility can be restored if VA loan is paid in full and property is no longer owned by Servicemember/Veteran.

  28. 90 Vocational Rehabilitation & Employment (VR&E)

  29. Program Objective VA’s Vocational Rehabilitation and Employment program (VR&E) helps active duty Servicemembers and Veterans who have service-connected disabilities become suitably employed, maintain employment, or achieve independence in daily living

  30. Rehabilitation Plan The following service-delivery options may be provided under a Rehabilitation Plan: • Reemployment • Rapid access to employment • Employment through long-term services • Independent living services • Self-employment

  31. Benefits and Services Available » Veterans enrolled in an approved training program have the following expenses covered: • Tuition and fees • Books • Equipment • Supplies » Veterans receive a monthly subsistence allowance, which is based on rate of pursuit and number of dependents

  32. Post 9/11 Veterans Educational Assistance Improvement Act of 2010 » Effective August 1, 2011, eligible Veterans enrolled in the VR&E program may elect the monthly housing allowance from the Post-9/11 GI Bill in lieu of the subsistence allowance » Housing allowance based on BAH for E-5 with dependents » Veterans must be eligible for Post-9/11 GI Bill and have remaining entitlement under that program

  33. Eligibility To Apply » Servicemembers may apply for the VR&E program with a 20% memorandum rating or proposed IDES rating » Veterans are eligible to apply with a VA disability rating of at least 10% » Veterans must receive an Honorable or other than dishonorable discharge

  34. 97 Updated December 1, 2012 Entitlement To Services » Combined service-connected disability rating of 20% or more and an employment handicap resulting primarily from such disability » Veterans rated as 10% disabled with a serious employment handicap may be entitled to VR&E services

  35. Counseling A counseling appointment will be set for eligible Servicemembers and Veterans to accomplish the following: • Evaluate the applicant’s interests, aptitudes, and abilities based upon testing and interviews • Explore the applicant’s vocational goals and objectives

  36. 100 Updated December 1, 2012 Eligibility Period The law provides a 12-year basic period of eligibility. The 12-year period begins on the latter of these dates: • Date of separation from active military duty Or • Date VA first informed the Veteran of a qualifying service-connected disability rating The period of eligibility can be extended for Veterans found to have a serious employment handicap

  37. 101 Updated December 1, 2012 » VR&E’s comprehensive employment web site for all Veterans » Veterans can post resumes and search and apply for jobs » Employers can post jobs and search resumes

  38. 40 VA Health and Dental Care

  39. Overview » VA health care system consists of 21 networks of care to meet local health care needs and provide broad access to care » VA provides care at over 1,500 facilities: 7 153 hospitals 7 956 ambulatory care and community-based outpatient clinics 7 232 Vet Centers 7 134 community living centers (formerly known as nursing homes) 7 90 residential rehabilitation treatment programs 7 5 Poly Trauma Rehabilitation Centers

  40. 42 Updated December 1, 2012 Comprehensive Medical Benefits » Screening exams for: Depression, Substance Abuse, PTSD, TBI » Readjustment Counseling » Military Sexual Trauma » Preventive Care Services » Inpatient and Outpatient Treatment » Prescription Services » Women’s Health Care Programs » Prosthetic and Rehabilitative Devices

  41. Women Veterans » Women Veterans are eligible to receive: • Complete medical benefits package and prescriptions • Complete reproductive health services including birth control, maternity care and newborn services (VA pays up to seven (7) days of care for the newborn at private hospitals) • Preventive health care » VA services and programs for women Veterans include: • Comprehensive Women’s health care at every facility • Women Veterans Program Managers at every facility • Mental health services including Post Traumatic Stress Disorder and Military Sexual Trauma Treatment • Women’s benefits coordinators available to discuss gender-specific conditions for disability claims • Women’s Trauma Recovery Program (Palo Alto) 43 Updated December 1, 2012

  42. » Reservists who served on active duty for operational and support missions (excludes active duty for training) 45 Updated December 1, 2012 Eligibility for VA Health Care » Veterans with active duty military service who were discharged or released under conditions other than dishonorable » National Guard members if mobilized by a Federal order (Title 10 or Presidential Executive Order)

  43. 46 Updated December 1, 2012 VA Enrollment & Health Care Combat Veterans VA provides up to five years of free health care for enrolled Veterans who served in a theater of combat operations and are seeking care for conditions related to their combat service VA has gone mobile! Learn more about PTSD Coach app at:

  44. VA Enrollment & Health Care Non-Combat Veterans Veterans who have not deployed to a combat theater of operations may be eligible to enroll in VA health care: • Veterans with a service-connected disability • Qualify under other eligibility factors, such as being in receipt of VA pension or a Purple Heart recipient • Qualify under VA’s national means test or geographic means test income thresholds

  45. 48 Updated December 1, 2012 Copayments Veterans with a non service-connected illness/injury may be charged a co-payment for services at VA for treatment of conditions not from service, such as flu, colds, auto accident

  46. VA provides recently separated Veterans a free, one-time evaluation and treatment for service-connected dental conditions if: • Served for 90 days or more on active duty • Applied within 180 days of separation • DD-214 indicates that a complete dental exam and all appropriate dental treatment was not provided within 90 days of separation (DD214 line 17 should be checked “No”) 49 Updated December 1, 2012 Dental Care

  47. 50 Updated December 1, 2012 How to Apply » Identify the VA medical center closest to your home » Submit 10-10EZ to VA medical center staff, by mail, or electronically through » You will receive a letter from VA confirming your enrollment For additional information: Call 1-877-222-8387

  48. VA Form 10-10EZ, Application for Health Benefits 51 Updated December 1, 2012

  49. Sign Up Today Health information Medical Records Online prescription refills Mental health resources Secure messaging to doctor and appointments 52 Updated December 1, 2012

  50. 53 Updated December 1, 2012 Help Your Buddy VA’s Veterans CrisisLine 1-800-273-8255