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These are the GI Bill transfer changes you’ll need to know about in 2019

GI Bill transfer


Earlier this year, the Pentagon changed the rules for troops who want to transfer their Post-9/11 GI Bill benefits to their dependents.

Most notably, the new policy will end transfers for service members who have been in uniform longer than 16 years, starting in July 2019. It also immediately put an end to previous exceptions that have allowed certain service members with more than 10 years in uniform to transfer the benefit without committing to serve four more years, including those who were unable to continue serving because of mandatory retirement or high-year tenure.

Defense Department officials have said the changes are “to more closely align the transferability benefit with its purpose as a recruiting and retention incentive."

“With these updates, the department addresses the intent of Congress and ensures the benefit is available for future service members,” DoD spokeswoman Jessica Maxwell in an email. She said the policy change will impact about 9 percent of active-duty service members, National Guardsmen and reservists.

The changes have been hotly contested by lawmakers and Veteran advocates, and after pushback, Defense Secretary Jim Mattis announced in September that none of the changes would apply to wounded warriors. Active-duty troops who have earned a Purple Heart for wounds in combat are now allowed to transfer their Post-9/11 GI Bill benefits to their family members whenever they want.

But more recently, Sen. Cory Booker, D-N.J., has introduced legislation that would scrap the DoD’s recent changes all together and open GI Bill transfer to Veterans who did not have dependents while on active duty.

Meanwhile, long-serving troops who want to transfer their GI Bill benefits to a spouse or child should plan on doing so before the July deadline kicks in.

“We understand that it will take some time for service members and their families to decide on transferring benefits, so by giving them a one-year window, we believe it will give them ample time to gather information and make decisions,” Maxwell said.



BIG Change Coming to VA Benefits

Big Change Benefits


Improved Pension with Aid and Attendance

First, John explains the VA’s Aid and Attendance benefit. If a Veteran served at least 90 days of active duty, with one of those days being during a period of war, that person is a “wartime Veteran.” If that wartime Veteran needs help with their activities of daily living, and the costs associated with that care outweigh the Veteran’s ability to pay for it, then the VA will potentially kick in some extra money.

Technically, this benefit is called the improved pension with aid and attendance, but most people just call it aid and attendance.

It’s not only available to the Veteran, but it is also available to the surviving spouse of the Veteran, if they were married at least one year, married to the Veteran at the time of the Veteran’s death, and not remarried.

This income can be a life-saver, especially if it makes it possible for the Veteran or survivor to live in a facility that can care for their needs.

The Changes

A few of the rules about eligibility for the Aid and Attendance benefit have changed. This includes clarification of the assets test, and a look-back period for any transfer of assets.

Clearly Defined Assets Test

This is a need-based benefit. In the past, the assets test for this benefit was very vague. One of the new rules is that there is bright line rule for net worth. There is now a clearly defined $123,600 limit on countable assets in order to qualify for this benefit.

John is concerned about how some of the changes are written. For example, a home is not a countable asset, but it is the home plus two acres. This means that folks who live on larger lots, or own extra land, will have a more complicated situation.

There is also a strange way that the VA is now calculating income as part of that net worth. In determining your assets, the VA will now look at something called your “income for VA purposes.” This takes your annual income, minus your unreimbursed medical expenses, and adds that to your net worth. This does not make any sense – there is no other context in which you included someone’s income in their net worth.

Adding A Look-back Period

The biggest change is that historically, the VA did not have a penalty for transferring assets. They now have a 3 year look-back period, similar to Medicaid. Any transferred that occurred in the 3 years prior to your application , any gift that happened during those 3 years, they can penalize you up to 60 months in the future.

The penalty period is calculated by taking the amount of the gift, and divide that by the maximum aid and attendance benefit for a single person with one dependent, which is about $2,170 per month. The VA won’t provide benefits for the number of months you’ve been penalized.

This only applies to gifts that are over the asset limit.

The maximum penalty can be no longer than five years.

This creates a tricky situation where you have to be sure that you wait at least the three years after transferring any assets or else you may find yourself penalized for longer than the look-back period.

What This Means For You

The big takeaway from these changes is that if you may be eligible for this benefit, you might need to do some advance planning. In the past, there was no reason to plan until you were going to apply for the benefit. Because of these changes, you might want to take some actions in advance to ensure you are eligibility for this benefit when the time comes.



5 Things for Veterans to Know About Expanded GI Benefits

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Thousands of Veterans who attended a vocational school or college that closed will have their benefits restored under the "Forever GI Bill," experts say.

Lawmakers this month sent an expanded GI educational benefits bill, known as the "Forever GI Bill" to President Donald Trump's desk to sign.

The Forever GI Bill, which passed the U.S. Senate unanimously, is estimated to cost more than $3 billion over 10 years.

"It restores benefits to Veterans who were impacted by school closures since 2015 and has special benefits for our reservists, surviving dependents and Purple Heart recipients," said Veterans Affairs Secretary David Shulkin in a statement.

The new law will also eliminate the 15-year limit on educational benefits for new enlistees. As the bill's nickname implies, Veterans will no longer have a time limit for completing their education.

Since the GI Bill's creation in 1944 during World War II, it has been updated several times to help Veterans pay for college and training. The last expansion, the post-9/11 Veterans Educational Assistance Act, often called the post-9/11 GI Bill, was eight years ago.

The 2009 expansion increased Veteran student enrollment at colleges, says Liang Zhang, a professor at New York University's Steinhardt School of Culture, Education, and Human Development, who studies higher education policies. Zhang found in his recent study that the last expansion increased enrollment rates by 3 percentage points from comparing the 2005-2008 period with 2010-2015.

According to the 2017 annual report by the Department of Veterans Affairs, 79 percent of Veterans who enrolled in a higher education program in 2016 were beneficiaries from the post-9/11 program.

"If the last GI Bill had a significant enrollment, then we could probably expect an increase in general enrollment by the current expansions," Zhang says.

[Explore ways community colleges serve Veterans.]

Veteran advocacy groups say Trump is expected to sign the Forever GI Bill. Here are five big changes once the bill becomes law.

1. Veterans whose colleges shut down in the middle of the semester will have their benefits restored. The closure of several colleges and universities in 2015 and 2016, many of which were for-profit, adversely affected many student Veterans, experts say.

"So those who were attending ITT when it closed will have a full restoration of the benefits and be able to use the benefit at a different school," says James Schmeling, executive vice president of District of Columbia-based Student Veterans of America, a nonprofit advocacy group.

But this benefit is not just for those who attended ITT Technical Institute, it also applies to service members who attended a postsecondary institution that closed after January 2015. According to the Congressional Budget Office, $50 million will go toward restoring benefits to thousands of Veterans next year.

2. New service members can use the benefit throughout their lifetimes. The caveat is it's only for those who were discharged on or after Jan. 1, 2013.

For those who meet this cutoff, the expansion will eliminate the 15-year time limit to use these benefits.

Experts say this will enable more Veterans to complete college or higher education courses for a career, which are necessary for wage gains.

3. The expanded benefits emphasize STEM programs. The expansion encourages Veterans to enroll in science, technology, engineering or math degrees through financial incentives.

[Discover how Veterans can afford pricey private university tuition.]

Schmeling says student Veterans often voice that they had to choose other fields since some STEM bachelor's degrees can take up to five years to complete.

"They were choosing other degrees that they could complete during the availability of their GI benefit. So extending them allows them to take STEM more seriously than they might have before," he says.

Veterans interested in these fields will be eligible to receive either nine months more of educational benefits or up to $30,000 in a lump sum, the maximum amount.

While many of the bill's provisions go into effect next year, this provision won't be available until August 2019.

4. All Purple Heart recipients since Sept. 11, 2001 are now eligible for educational benefits. Previously, many reservists who were injured during active service didn’t meet the full requirements for the GI Bill.

With this expansion, 1,500 Purple Heart recipients will become eligible for GI benefits, Veteran advocates say.

5. GI Bill entitlements can be transferred to another dependent or spouse. Veterans will be able to transfer the remainder of their entitlement to another dependent in cases where the dependent who initially received the transferred benefits dies.

A dependent will also be able to transfer the remaining benefits to another dependent after the death of the Veteran, too.

"It's not really a large expansion, but it's a humanitarian need for those who need to transfer," Schmeling says.



1,300 disabled Vets are getting billed for thousands of dollars ... because VA didn’t check their email

Vets Get Billed


Approximately 1,300 disabled Veterans were overpaid thousands of dollars under a Veterans Affairs Department education benefits program last year and now must figure out a way to pay that money back.

Why? Mostly because staff at VA regional offices didn’t check emails, a recent investigation by the VA Office of Inspector General has found.

The overpayments happened during the 2016-2017 academic year under the VA’s second-largest education program, Dependents’ Educational Assistance, which pays up to $1,224 for schooling per month to spouses and children of totally and permanently disabled Veterans or deceased service members.

Veterans who are 100 percent service disabled are eligible to receive monthly stipends of $266 for each college-aged child they have in school as part of their disability check from the VA. But these benefits cannot overlap with DEA.

Yet, in it at least 70 percent of cases during the 2016-17 school year, they did, in large part because emails from Veterans claim examiners were going unread at many VA regional offices.

Now, Vets who were overpaid owe VA a total of $4.5 million for the department’s mistake — an average of more than $3,400 each.

This represents “a hardship for seriously disabled Veterans,” the report states.

In its review of all 58 VA regional offices, Office of Inspector General auditors found that as of May 2018, 25 had an approximate total of 4,600 unread emails dating back to August 2016. The majority of these emails, 67 percent, were about DEA benefits and potentially required adjustments to Veterans’ claims to keep them from being overpaid.

In interviews recorded in the report, VA staff at seven of these offices said they had not been monitoring mailboxes related to the DEA program before the audit.

For example, a representative from the Oakland, California, office “stated that the mailbox had not been monitored for three years because managers had been reassigned, but not their mailbox monitoring duties.”

Another in Houston said the DEA inbox was “not considered a workload priority” because of other workload targets the office was required to meet, according to the report.

Already, the VA has instituted a new policy requiring regional offices to check DEA-related emails twice a month, Susan Carter, a spokesperson for the agency, said in an email.

Additionally, the VA Office of Field Operations has committed to sending weekly reminders to check the emails to the regional offices and will likely incorporate oversight of this into future site visits, according to the report.

Joe Plenzler, a spokesman for Wounded Warrior Project, said the organization is concerned about the impact these overpayments will have on the affected Veterans and plans to work with VA on the department’s plans to remedy the situation.

“We would hope that the VA would avoid any significant disruptions or financial burdens on the recipients,” he said in an email.

Carter said the agency has already identified the Veterans who were overpaid and expects to complete all payment adjustments by June 30. Veterans will have several payment options available.

“VA is implementing improvements that will focus on the timely establishment of compensation adjustments, ensuring receipt of DEA program benefit notifications by VA regional office staff, and promptly identifying and rectifying payment duplications,” Carter said.

The inspector general’s report also recommends VA move to an electronic system to better identify when there’s a potential for Veterans to get paid out of both programs in order to cut down on overpayments.

If delays continue, the report states, the VA could end up paying another $22.5 million in improper payments over the next five years.


Uncertainty over late GI Bill payments leave lawmakers asking: Who is accountable?

GI Bill Late Pmts


“I see everyone screaming that this is an outrage now and that’s great,” one Veteran advocate said. “But where were they three months ago and where’s the president now?"

Confusion has reigned in Washington in recent weeks after the Department of Veterans Affairs provided a series of inconsistent messages about delayed or incorrect payments to Veterans covered by the GI Bill. As the issue gained steam, lawmakers demanded further answers, introduced a related bill and called for an investigation to find out what went wrong and what VA plans to do to fix the problem.

For many, behind this flurry of sternly worded letters and acts of oversight, however, lies an open question: Who should be held accountable for a series of missteps that left student Veterans in dire financial circumstances?

There’s also an attempt to discern whether this is a systemic issue at a beleaguered federal agency or mismanagement by a new administration.

“The VA is responsible for executing the handshake that America makes with people in uniform,” said Paul Rieckhoff, the founder and executive director of the Iraq and Afghanistan Veterans of America. “When they screw up, it’s bigger than a bureaucratic issue.”


The “screw up” Reickhoff referred to surrounds the passage and implementation of the Forever GI Bill, which expanded generous Veteran education benefits that were supposed to come into effect on Aug. 1, 2018. Because of a series of computer problems when calculating Veterans’ housing allowance, however, VA was late to pay some GI Bill recipients the money they were owed or paid them the wrong amount.

Some of those student Veterans faced difficult financial circumstances because they were dependent on the check they received through the GI Bill to pay for housing, books, transportation, food and more.

As a result, VA officials announced in late November that they would delay implementing two sections of the law until Dec. 1, 2019, and pay Veterans by a different calculation.

But what soon came to light is that some Veterans might be paid less than they were owed under the new law, and a series of inconsistent statements from VA last month that made national headlines compelled some lawmakers to act.

Sens. Cory Gardner, R-Colo., and Doug Jones, D-Ala., introduced a bill last week that would create a commission at the VA responsible for auditing all education claims to ensure that student Veterans are paid in full.

“In the last several weeks, we’ve seen hearings and statements from VA officials that show they barely grasp the problem and have no grasp of a solution,” Gardner told NBC News. “In the meantime Veterans are worried about paying for food, rent, electricity and school. And that’s unacceptable.”


VA officials told Congress in mid-November that they refused to say when they would implement the GI Bill changes. Less than two weeks later, they took a firm position and announced the changes would be delayed until Dec. 1, 2019.

That began a series of evolving VA positions around housing payments that confounded lawmakers and Veterans, as each new statement appeared to conflict with one made previously.

Within hours of the announced delay, VA officials privately told congressional staffers on a briefing call that they did not intend to go back through education claims to discover whether they owed any Veterans additional funds.

A little more than 12 hours after NBC News published an article reporting the private discussion, Paul Lawrence, who oversees the Veterans Benefits Administration, claimed before a congressional hearing that the report was misleading, stating “nothing could be further from the truth.”

After members of the House Veterans’ Affairs Committee questioned him further, however, Lawrence admitted that VA was unsure whether it was worth the effort to audit past education claims and ensure that students Veterans were paid all the money they were owed. A letter later sent by Democrats on the committee to Veterans Affairs Secretary Robert Wilkie affirmed the call between congressional staffers and VA officials had occurred.

However, hours later, Wilkie released a statement overriding Lawrence and appearing to promise that all student Veterans would be fully paid in accordance with the law — eventually.

VA still has not publicly stated how it will implement the change or predicted when it will be able to provide the back pay, leaving many once again suspicious of the agency's ability to deliver on its promises.

"Way too many people are willing to believe the VA," said Rieckhoff. "We don't believe anybody until the check is in the bank. And we shouldn’t. You can’t take a promise from an undersecretary to your landlord. You can’t take a letter from a senator and pay your rent."

Nevertheless, some lawmakers — on both sides of the aisle — have sent letters to push the agenda forward on behalf of Veterans.

Sen. Tammy Duckworth, D-Ill., an Iraq War Veteran and former assistant secretary for public affairs at VA, sent a letter to Wilkie and three credit reporting agencies last week urging them to act so that no Veterans would face long-term financial hardships and credit penalties because of the delayed or incorrect payments.

Duckworth’s letter notes how debt incurred because of the ongoing issue could cause Veterans to face numerous financial penalties. Veterans have faced late bill fees, interest on loans and credit cards and bank fees because of the incorrect or delayed payments, putting Veterans even further behind financially and potentially impacting their credit scores.

“Bottom line, the Veterans should not suffer any negative consequences,” Duckworth told NBC News. “The VA needs to pay them back and pay them back with interests and make sure that credit bureaus don’t take any negative action on their credit reports.”


Amid all the back and forth, it remains unclear whether anyone will be held accountable. At the mid-November congressional hearing, VA officials representing the Office of Information Technology and others representing the Veterans Benefits Administration appeared to point fingers at each other.

That has left lawmakers like Gardner frustrated. He said figures at VA appear more adept at playing the blame game than taking responsibility.

“Stop pointing fingers, stop passing the buck and start being accountable and ready for the future,” Gardner told NBC News, adding that it appeared to him that the agency continued to have a “readiness problem.”

Two former officials at VA have told NBC News that in the days and weeks after the Forever GI Bill was signed into law, members of the IT office promised they would be able to implement the system changes by the following April.

Those promises allowed the issue to fly below the radar, they said, but an aging system and a litany of other computer problems forced delays and further troubles.

”It’s a very complicated piece of legislation, but the bottom line is that IT lied and couldn’t pull it off and no one got held accountable,” one official said.

Duckworth noted that the Trump administration waited two years to appoint someone to lead the VA’s IT office, which cycled through three acting leaders in the interim.

“The problem is the Trump administration only just now got the CIO of VA confirmed in the last month. They’ve gone almost two years without a chief information officer,” she said. “That’s unacceptable.”

A secondary issue is the complexity of the changes that the Forever GI Bill called for and the lack of resources allocated to address them. While Congress authorized $30 million to help with system updates, the funding was never appropriated.

“The changes to the GI Bill don’t magically appear because Congress says they have to,” one official said. “There are resources that are needed — both people and money.”

Former Secretary of Veterans Affairs David Schulkin, who left the VA earlier this year, said he was proud to have been secretary when the Forever GI Bill expansion occurred and the opportunities it provided. He declined to speak further on the issue, but noted that implementing a law is never simple.

“Every piece of legislation is a heavy lift to do well,” he said in an email.


Reickhoff said that lawmakers should have known this was an issue and pressed VA officials for answers sooner. He said it was particularly discouraging that White House Press Secretary Sarah Sanders and the president have said nothing about the ongoing crisis for some Veterans.

“I see everyone screaming that this is an outrage now and that’s great,” Rieckhoff said. “But where were they three months ago and where’s the president now? He personally billed himself as a philanthropist, someone who could fix the VA.”

To Rieckhoff, he’s yet to see any indication that they are any different from previous administrations.

Veteran issues, he said, are apparently only important on Veterans Day, Memorial Day or when there is a big crisis.

“Trump is the dog that caught the car,” Rieckhoff said. “They talked a big game about VA and how they would clean it up and fix it. They just found out that it’s as complicated as it was for everyone else.”


Different Types of VA 100 Percent Disability Ratings

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When it comes to VA disability compensation, the goal for most Veterans is getting a 100 percent rating. The road to a 100 percent rating can be long and confusing. There are also different ways to get to a 100 percent rating. Below we will discuss the different types of 100 percent disability ratings.

Total disability based on 100 percent scheduler rating: This is when a Veteran’s single service-connected disability or alternatively, the Veteran’s combined service-connected disabilities total to 100 percent.

Total Disability/Individual Unemployability:

Better known as TDIU or IU is a type of rating that can be a bit more complicated than just a regular 100 percent scheduler rating. TDIU is considered once a Veteran has made a request to be paid at the 100 percent rate even though his or her disabilities do not combine to 100 percent. A Veteran may file a claim for this rating when he or she is unable to maintain substantially gainful employment because their service-connected disability keeps them from doing so. Substantially gainful employment for VA purposes is defined by the amount of earned from an employed position. The total amount of earnings from a job is considered gainful if they are above the poverty level. It is also defined as competitive employment where a non-disabled individual may ear a comparable income to the particular occupation in the same area.

In order to qualify for TDIU or IU, a Veteran must have one disability rated at 60 percent or one disability rated at 40 percent with enough additional disabilities that combine to a rating of 70 percent or above. It is important to keep in mind that just because the initial criteria for IU are met, does not mean that a 100 percent disability rating will be awarded. A Veteran will need to provide medical evidence that shows that they are unable to work in both a physical and a sedentary work environment.

Temporary 100 Percent Disability Rating:

This rating is given to Veterans who have been hospitalized for 21 days or longer or had surgery for a service-connected disability that requires at least a 30 day convalescence period. The VA will pay the Veteran at the 100 percent rate for the extent of the hospital stay or convalescence period.

Permanent and Total Rating:

The permanent and total rating is given when the VA recognizes that a Veteran’s service-connected disabilities have no probability of improvement. This means that the Veteran will remain at the 100 percent rating permanently without the need for future examinations.

Veteran often times make the mistake of requesting a permanent and total rating because they want the Chapter 35 educational benefits for their dependents. It is important to keep in mind that whenever a permanent and total rating is requested, all service-connected disabilities will be subject for re-evaluation. If improvement is noted during a re-examination, a reduction from the 100 percent rating may be proposed. It is important to note that most ratings are not considered permanent and are subject to future review.


Permanent and Total Ratings

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Meaning of Permanent & Total

First, let’s break down each word in the phrase “permanent and total.” Permanent means that a Veteran has a disability which has no chance, or close to no chance, of the disability improving. The VA considers a disability to be permanent when the medical evidence shows that it is reasonably certain the severity of the Veteran’s condition will continue for the rest of the Veteran’s life. In determining this, the VA is allowed to take into account the Veteran’s age.

Total means a Veteran’s disability is rated at 100% disabling. Ratings are assigned to a disability based on the VA’s rating schedule. A rating is meant to represent how much the disability impairs a Veteran’s ability to function. In other words, the rating reflects the severity of the disability. If a disability is rated at 100%, then that indicates the Veteran is completely, or totally, disabled.

A Veteran might have a disability that is rated at 100% (total), but it might not be considered permanent. If a disability is not considered permanent, it is called a temporary disability. Vice versa, a Veteran could have a disability that the VA has determined is permanent, but it is not rated at 100% so it isn’t total. However, when a Veteran has a disability that is considered permanent AND total, there are certain benefits that come into play.

Permanent and Total Benefits

If a Veteran has a permanent and total rating they do not have to worry about getting scheduled for VA re-examinations. The VA has already made the determination that the medical evidence shows the disability is not going to improve when they found the disability to be permanent.

Other benefits that come with permanent and total ratings include:

  • CHAMPVA (The Civilian Health and Medical Program of the Department of Veteran’s Affairs) – This is a comprehensive health care benefit program for spouses and children of Veterans. If a Veteran has a P&T rating their spouse and children can receive health care benefits under this program. Also, if a Veteran who passed away had a P&T rating at the time of death their surviving spouse and children can receive health care benefits under CHAMPVA (Note: the Veteran’s cause of death must have been from a service-connected disability).
  • Chapter 35 Dependents Educational Assistance Program – This provides education and training opportunities for eligible dependents (spouse, son, daughter, stepchildren, adopted children) of a Veteran who has a P&T rating. Unlike CHAMPVA, if a Veteran dies from a non-service connected disability, dependents can still receive Dependents Educational Assistance benefits as long as the Veteran had a P&T rating when they passed away. There is a lot of information regarding Dependents Educational Assistance benefits, so for more details on this program click here.
  • Dependency and Indemnity Compensation (DIC) – DIC benefits only become applicable when the Veteran has passed away. If a Veteran had a P&T rating for the 10 years immediately prior to their death, qualifying dependents will be eligible for DIC benefits. However, if the Veteran had a permanent and total rating for LESS THAN 10 years prior to their death, qualifying dependents are only eligible for DIC benefits if the Veteran’s cause of death was service-connected.
  • Certain state-level benefits – state-level benefits for Veteran’s that have a P&T rating range from college and employment resources to free hunting and fishing licenses. For example, in Florida, a Veteran with a P&T rating and an honorable discharge are exempt from paying property tax on their residence. For a comprehensive list of each state’s benefits click here.

Getting the VA Assign a Permanent & Total Rating

You can’t file a claim for a permanent and total rating, but you can submit a letter to the VA requesting they find you permanent and total. When submitting this request, you should also send medical evidence that shows your service-connected disability or disabilities are not going to improve in the future. The VA typically makes a determination of permanent and total on their own, but if you have not been found permanent and total it is worth letting the VA know why you should be.

If you’re unsure whether you’ve been found permanent and total, first look at your rating decision. Some rating decisions will include a permanent and total box that will be checked if the VA found you to be permanently and totally disabled. Another indicator on rating decisions is if there is language that says something like “eligibility to Dependents Educational Assistance Benefits (Chapter 35 DEA benefits) has been established.”


Understanding Decisions from RAMP

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RAMP (Rapid Appeals Modernization Program) is the VA’s pilot program for the new appeals system created by the VA Appeals Improvement and Modernization Act of 2017. RAMP is an optional program, available to Veterans with claims that are currently on appeal. If a Veteran does not want to opt into the RAMP program, they do not have to submit anything to the VA; their appeals will continue to be processed in the current appeals system now referred to as the Legacy Appeals System.

Information on RAMP Rating Decisions

Now that the RAMP program has been in effect for several months, Veterans who opted in are receiving rating decisions. It is important to understand the information included in these decisions, and also what your options are if you are not happy with the decision.

The appearance of rating decisions hasn’t changed much with the RAMP program. However, the information that must be included in the rating decision has changed slightly. RAMP rating decisions must list all favorable findings that the VA identified when reviewing the case, including listing what evidence was considered as favorable. The VA must also identify the evidence they considered to be unfavorable. In the narrative part of the rating decision, the VA must explain how the favorable and unfavorable evidence was weighed in coming to their ultimate finding. In addition to listing the evidence, the VA also has to include a list of all regulations and laws that were applied in making their decision.

Forms Included in RAMP Rating Decisions

In addition to the explanation and the list of evidence and regulations, RAMP decisions will have two forms attached. These two forms are the RAMP Review Rights form and the RAMP Selection form.

The RAMP Review Rights form gives information about how to appeal the decision. The different ways to appeal a decision from RAMP are based on the different lanes that make up the RAMP program. The appeal options include:

  • Supplemental Claim: If you are unhappy with the rating decision and would like to submit new evidence, this is the appeal option to select. Once the new evidence (must be new and relevant) is submitted, a different rater will review the case.
  • Higher Level Review: This appeal option can only be selected if the decision being appealed was issued out of the supplemental claim lane, and you do not have any additional evidence to submit. (Note: if opting into RAMP, the only requirement is that no additional evidence can be submitted.) A higher-level VA employee will review the decision that is being appealed based on the evidence of record.
  • Board of Veterans’ Appeals (BVA): If you are unhappy with the rating decision and want to take your appeal straight to the BVA, use this appeal option (Note: the BVA will not begin deciding RAMP appeals until October 2018). If you choose to appeal to the Board of Veterans’ Appeals, you will have to select one of three options. These options are:
  • Direct Docket: Select this if you have no additional evidence to submit, and you do not want a hearing. The BVA will issue their decision based on the evidence of record.
  • Evidence Only Docket: Select this if you would like to submit additional evidence, but do not want a hearing. After submitting your appeal, you will have 90 days to submit additional evidence.
  • Hearing Docket: Select this if you would like to have a hearing with a Veterans Law Judge. You will also be able to submit additional evidence up to 90 days after submitting your appeal.

The second form that will be attached to a RAMP rating decision is the RAMP Selection form. After deciding which appeal option is best for you, fill out the RAMP Selection form. This form requires you to specify which issues you are appealing, and which appeal option you are choosing.


Veterans Affairs Dept says it won't reimburse Vets who were underpaid GI Bill benefit payments: report

VA Wont Pay


The Department of Veterans Affairs (VA) told congressional staffers on Wednesday that it will not repay Veterans who received smaller GI Bill benefit payments than they were owed, NBC News reported.

Committee aides told the outlet that the VA said it could not reimburse those Veterans without auditing past education claims, which, they said, would hold up future claims.

The report comes weeks after computer problems delayed GI Bill payments to hundreds of thousands of Veterans.

The issue first came under scrutiny after GI Bill payments were delayed due to a change in calculating housing allowances under the Forever GI Bill, which President Trump signed into law last year. According to NBC News, the department's computers were unable to process the change, quickly leading to an immense backlog of Veterans' claims.

The issues ultimately resulted in Robert Worley, executive director of the VA's education service, being reassigned earlier this month.

Because of the backlog, the department announced Wednesday that it would delay the bill’s housing allowance changes until next year, also pledging that Veterans who received incorrect GI Bill benefit payments would eventually be paid the correct amount.

Committee aides, however, said VA officials told Capitol Hill staffers on Wednesday that the department will not retroactively reimburse underpaid Veterans due to the housing miscalculations once the system is fixed next year, according to NBC News.

"They are essentially going to ignore the law and say that that change only goes forward from Dec. 2019," one aide told the outlet.

Pressed for comment by NBC, VA spokesman Curtis Cashour said that attempting to implement the new law would put “an enormous administrative burden for schools in which some 35,000 certifying officials would have to track retroactively and re-certify hundreds of thousands of enrollment documents.”

He added that the department would instead be paying housing allowances in accordance with the Department of Defense's previous Basic Housing Allowance rates until next year.

Cashour pushed back in a statement to The Hill on Thursday, claiming “the NBC report is misleading and gives the false impression that some Veterans on the GI Bill will not be made whole with respect to their housing payments."

“Nothing could be further from the truth,” he continued. “Each and every Veteran on the post-9/11 GI Bill will be made 100 percent whole — retroactively if need be — for their housing benefits for this academic year based on the current uncapped DoD rates, and, beginning in spring 2020, we [will] be in a position to provide Veterans the new rates where applicable to meet the law known as the Forever GI Bill.”

Cashour further clarified to The Hill that “every single Veteran will be made whole for their housing benefits this year”

“For many students, this DoD BAH [Pentagon Basic Allowance for Housing] rate will be equal to or higher than their current payment,” Cashour continued. “If a student was overpaid due to the change in law or because of VBA’s challenges in implementing the law, the student will not be held liable for the debt.”

Cashour added that the VA in spring 2020 “will have solved its current information technology difficulties" to comply with the Forever GI Bill changes.


VA Unable to Process GI Bill Payments for Veterans

Used Blockchain


VA Falls Behind on GI Bill Payments

Today, you may not be aware, any US military Veteran with a non-dishonorable discharge is eligible for, at a minimum, a full scholarship to a school of their choosing. The modern GI Bill doesn’t just cover school payments, either — it also pays the Veteran a living allowance equivalent to a sergeant in the army’s housing benefits for their zip code. The program is a vital enhancement to previous GI Bills in its effect of ensuring that Veterans are able to fully participate in the economy when they leave active duty without having to worry about feeding themselves or paying rent while preparing to do so.

However, tens of thousands of such eligible Veterans have been hung out to dry for a quite some time now. It’s not because the money’s not there, although the program is not considered an essential service when budget showdowns occur (in fact, the whole Veterans Affairs department is not). It’s not because the VA does not want to pay them and — for once — even the banks are blameless. The problem, according to VA officials who were grilled last week in on Capitol Hill, is the technology stack being used.

Apparently, due to changes enacted in the Forever GI Bill, a slight enhancement of the Post-9/11 bill, payments have been stalled due to technical difficulties. Paul Lawrence, the head of the Veteran’s Benefits Administration (the part of the VA that handles payments), testified that he had previously made a mistake when he put a deadline on when the program would be repaired. At present, he has no clue when it will be fixed. Officials specifically said that 22 of the 34 changes made in the GI Bill last year required IT work, although they were not specific about what IT changes were necessary or why they were having an effect on payments being made. Lawrence said:

“We did not understand the certainty around it. That is why we are not giving you a date.”

For Everything Else, There’s Blockchain

Now here’s where the author gets a little upset.

First of all, never fix things that aren’t broken. In terms of software development, this means to keep the working version working until you’ve got the replacement tested and ready to deploy. This is to say, whatever they were using before should still be in use today, so that Veterans are paid. There was no mention as to whether or not schools are receiving their payments, but presumably, most colleges can miss a payment or two.

Secondly, why all the opacity around both the development and the payment mechanisms? The author remembers having to call in to check on the status of his GI Bill payments. No information would be available prior to the actual due date, and sometimes they actually did come a few days later. It’s a stressful experience for a Veteran because it always makes one think perhaps they’ve done something wrong in their paperwork, forgot to respond to something or other, or what have you.

Government Software Should be Open Source

It may seem extreme, but the author presents the following contention: all software developed or licensed by any democratic government should be open source. It belongs to the people, after all, either the license or the code itself. If there are engineering problems affecting the implementation of the new system, then an open-source approach would probably yield solutions faster.

Which brings us to the third point: why not blockchain this, as it were? Payments are the heart of the blockchain. Privacy and some degree of opacity are important when dealing with people’s private information, such as benefits they’re receiving from the government, but some form of permissioned blockchain would probably have been more ideal than building a “new” antiquated system that will end up being replaced in 5-20 years anyway.

No, the author’s not advocating that people receive their benefits in cryptocurrencies. Not necessarily. What he’s advocating is that a blockchain — whichever might be best suited — be used to track and make payments. Companies like Ripple have deep connections to the bank industry and could facilitate instant payments some way or another. Enough of the data could be public that a Veteran could simply enter some pre-determined key and see whether or not their benefits had been sent and when they would be expected to be sent. Payments could be tracked through the entirety of the process. Such a move would go a long way to restoring trust in the people running the system.

What do you think, dear reader? Is this an aspect of the government that blockchain could help with? What blockchain technology stack do you think has the most chance of being used by the government for such things as benefits payments and tracking? Ripple? Ethereum? Bitcoin? NEO? Let’s hear your views in the comments!


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