VIRGINIA BEACH, Va. (WAVY) -- 10 On Your Side is helping Veterans prepare for a new rule that goes into effect on Thursday, Oct. 18.
According to the U.S. Department of Veterans Affairs, pensions will change beginning Thursday for those of you using long-term care services.
Shannon Laymon-Pecoraro, a lawyer with Hook Law Center, says failing to plan is planning to fail when it comes to these changes.
"In a region like ours that is home to so many military Veterans, we think it’s important to tackle this issue head-on so people can start to address these changes before they take effect," Laymon-Pecoraro said.
Laymon-Pecoraro is referring to Veterans like Frank Rough, a retired senior chief who served in Vietnam.
"I planned all my life for retirement and to have that possibly taken away so I could have Veterans benefits is crazy," said Rough.
Rough is talking about changes that could make it more difficult to qualify for certain important benefits, according to Hook Law. That's why Rough and other Veterans attended a Hook Law seminar regarding the changes.
The VA pension program is a needs-based benefit for wartime Veterans who served at least 90 days active duty service, who have limited or no income, who are 65 and older and who may have a permanent and non-service connected disability.
What's at risk? According to Hook Law, aid and attendance pension up to $2,170 per month for a Veteran and spouse -- which is money that could be used for long-term care.
With the new rules, assets cannot exceed $123,600 to get the long-term benefits.
According to the seminar presentation, gifts that you made in the past 36 months -- either to a family member or to an irrevocable trust and an investment in an annuity -- would be penalized with the new rules.
This means you could be prohibited from qualifying for VA pension benefits for up to five years, depending on the amount of the gift.
"I'm getting older and I may need long-term care and if I go into long term care and they start taking the money I've saved - that's awful," said Rough.
So, what should you do between now and Oct. 18?
Laymon-Pecoraro said, "Assess are there any significant transfers you want to make or any assets you want protected so that you can then qualify for this benefit if you think you may need within the next 3 to 5 years."
It is important to note this change does not affect all Veterans.
According to Hook Law, if you are receiving VA service-connected disability or compensation payments, your benefits will not be affected.
There are several different approaches the VA can take to reduce benefits. Of course, the possibility of a rating decrease is heavily dependent on whether the case is protected or unprotected.
The Requirement of Sustained Improvement
If a rating has stabilized or continued at the same level for five years or more, the VA must show that all evidence of record indicates a sustained improvement in the disability. This means the medical history for the disability in question must be considered when reviewing records for a possible rating reduction. If the VA cannot show sustained improvement, it cannot reduce a Veteran’s rating.
The VA must also review the entire record of examinations to determine whether such examinations are full and complete. If not, they may not be considered in a VA rating reduction.
If the disability has shown temporary or episodic improvement, it cannot be reduced unless all evidence clearly shows sustained improvement. The VA must also consider whether the material improvement shown “will be maintained under the ordinary conditions of life.”
The Requirement of Fraud
If a Veteran’s disability has been rated at the same level for 20 or more years, the VA cannot reduce it unless it can show that the disability rating was based on fraud.
The Requirement of Material Improvement
When the VA considers reducing a 100% rating (including TDIU based on individual or combined rating), it must determine whether there has been a material improvement in the physical or mental condition evaluated at 100 percent. An examination is necessary for the VA to do this.
Additionally, if the Veteran has experienced material improvement on a schedular rating, VA must still consider whether he or she qualifies for TDIU.
Even if a Veteran’s rating has not been in place for five years or more, the Court of Appeals for Veterans Claims has established the following:
- Proposed reductions must be based on review of the entire history of the Veteran’s disability.
- The VA must make a determination as to whether there has been an actual change in the disability.
- Improvement in the disability must be shown in the Veteran’s ability to function under the ordinary conditions of life and work.
- Examinations reporting any such improvement must be thorough.
DUE PROCESS PROTECTIONS
When the VA determines a rating reduction is proper, due process protections apply. The VA must provide prior notice to the Veteran of the proposed reduction. The Veteran must be given 60 days after the notice to submit evidence to rebut the proposal (the 60-day notice requirement is not enforced in cases where the Veteran’s compensation will not be altered as a result of the reduced rating).
The Veteran also has a right to a predetermination hearing, which must be requested within 30 days of notification of the proposed VA rating reduction. The proposed reduction, if implemented, would not take effect until after this hearing has taken place.
In the event a Veteran receives a proposed VA rating reduction, it is important to provide any and all evidence to fight the VA’s proposal. If the VA schedules an examination, attendance is critical. Failure to do so will result in an automatic reduction.
Veterans Serving Veterans
If the VA unfairly reduces your rating, don’t give up. There are many ways to fight this decision. One of them is hiring a Veterans’ law attorney.
With many Veterans counted among our attorneys and staff, we know firsthand the struggles service members face when they return home with injuries and disabilities. Our firm has worked closely with Veterans for fifty years and we have recovered millions of dollars in back pay awards.
Different government programs have different Veteran criteria
There is no standardized legal definition of "military Veteran" in the United States. Veteran benefits weren't created all at one time. They've been added one at a time for more than 200 years, and each time Congress passed a new law authorizing and creating a new Veteran benefit, it included eligibility requirements for that particular benefit.
Whether or not one is considered a "Veteran" by the federal government depends upon which Veteran program or benefit one is applying for.
Veterans' Preference for Federal Jobs
Veterans are given preference when it comes to hiring for most federal jobs. However, in order to be considered a Veteran for hiring purposes, the individual's service must meet certain conditions.
Preference is given to those honorably separated Veterans (this means an honorable or general discharge) who served on active duty in the Armed Forces. Retirees at or above the rank of major or equivalent are not entitled to preference unless they qualify as disabled Veterans.
For more information about the Veteran's Preference Hiring Program, see the Federal Government's Veteran's Preference Web Page.
Home Loan Guarantee
Military Veterans are entitled to a home loan guarantee (within dollar limits) when they purchase a home. While this is commonly referred to as a "VA Home Loan," the money is not actually loaned by the government. Instead, the government acts as a sort of co-signer on the loan, and guarantees the lending institution that they will cover the loan if the Veteran defaults. This can result in a substantial reduction in interest rates, and a lower down payment requirement.
For more information, see the VA's Home Loan Guarantee Web site.
Burial in a VA National Cemetery
To qualify as a Veteran for the purposes of burial in a VA National Cemetery also depends on the conditions and period of service. Any member of the Armed Forces of the United States who dies on active duty is obviously eligible.
Any Veteran who was discharged under conditions other than dishonorable is usually eligible as well.
Service beginning after September 7, 1980, as an enlisted person, and service after October 16, 1981, as an officer, must be for a minimum of 24 continuous months or the full period for which the person was called to active duty (as in the case of a Reservist called to active duty for a limited duration) to qualify for VA National Cemetery burial.
Undesirable, bad conduct, and any other type of discharge other than honorable may or may not qualify the individual for Veterans benefits, depending upon a determination made by a VA Regional Office. Cases presenting multiple discharges of varying character are also referred for adjudication to a VA Regional Office.
For more criteria for burial at Arlington National Cemetery can be viewed on the VA's National Cemetery's Web Site.
Military Funeral Honors
The Department of Defense (DOD) is responsible for providing military funeral honors. "
Upon the family's request, every eligible Veteran receives a military funeral honors ceremony, to include folding and presenting the United States burial flag and the playing of Taps. The law defines a military funeral honors detail as consisting of two or more uniformed military persons, with at least one being a member of the Veteran's parent service of the armed forces.
For more information, see the DoD's Military Funeral Honors Web site.
Active Duty Montgomery GI Bill
In all cases, the ADMGIB expires 10 years after discharge or retirement. To be eligible, one must have an honorable discharge. To retain MGIB benefits after discharge, in most cases, one must serve at least 36 months of active duty, if they had a four-year active duty contract, or at least 24 months of active duty, if they signed up for a two or three-year active duty contract (there are some exceptions to this rule).
For complete details, see our ADGIB Article.
Post-9/11 GI Bill
If you have at least 90 days of aggregate active duty service after September 10, 2001, and are still on active duty, or if you are an honorably discharged Veteran or were discharged with a service-connected disability after 30 days, you may be eligible for this VA-administered program. See details.
Service-Disabled VA Life Insurance
To be eligible for basic Service-Disabled Veterans Insurance (S-DVI), a Veteran must have been released from active duty under other than dishonorable conditions on or after April 25, 1951. He/she must have received a rating for a service-connected disability and must be in good health except for any service-connected conditions. An application must be made within two years of the granting of service-connection for a disability.
For complete details, see the VA Life Insurance Web site.
VA Disability Compensation
Disability compensation is a benefit paid to a Veteran because of injuries or diseases that happened while on active duty or were made worse by active military service. It is also paid to certain Veterans disabled from VA health care.
The amount of basic benefit paid varies depending on the nature of your disability. Note: You may be paid additional amounts, in certain instances, if:
- you have very severe disabilities or loss of limb(s)
- you have a spouse, child(ren), or dependent parent(s)
- you have a seriously disabled spouse
For complete information, see the VA's Disability Compensation Web site.
VA Disability Pension
Disability Pension is a benefit paid to wartime Veterans with limited income who are no longer able to work.
You may be eligible if:
- you were discharged from service under other than dishonorable conditions
- you served 90 days or more of active duty with at least 1 day during a period of wartime. (However, anyone who enlisted after September 7, 1980, generally has to serve at least 24 months or the full period for which a person was called or ordered to active duty in order to receive any benefits based on that period of service)
- you are permanently and totally disabled, or are age 65 or older
- your family income is below a yearly limit set by law
VA Medical Care
The Veterans Health Administration (VHA) provides a broad spectrum of medical, surgical, and rehabilitative care to eligible Veterans.
If you have a discharge other than honorable, you may still be eligible for care. As with other VA benefits programs, the VA will determine if your specific discharge was under conditions considered to be other than dishonorable.
The length of your service may also matter. It depends on when you served. There’s no length of service requirement for:
- Former enlisted persons who started active duty before September 8, 1980, or
- Former officers who first entered active duty before October 17, 1981
The number of Veterans who can be enrolled in the health care program is determined by the amount of money Congress gives VA each year. Since funds are limited, VA set up priority groups to make sure that certain groups of Veterans are able to be enrolled before others.
For more information, see the VA's Health Care Web site.
All this week on Stateside, we're looking at why more Michigan Veterans aren't getting the help they may be entitled to from the VA. The state has consistently ranked in the bottom five states and territories when it comes to helping Veterans and their families access federal VA benefits.
Part of the problem is that the state doesn't have enough accredited Veteran service officers. These are the experts who help Vets navigate all the red tape in the VA's complex application process.
Michael Smith is the director of the Washtenaw County Department of Veterans Affairs. He served a collective 21 years in the U.S. Army and is now an Accredited Veteran Service Officer. He joined Stateside to talk about the challenges that many Veterans face when navigating the application process for federal benefits.
Nearly 600,000 Veterans live in Michigan. There are around 135 Veterans service officers at the county level, which Smith says is not nearly enough. He says that this shortage is part of the reason why Michigan ranks 48th in the nation when it comes to Veterans receiving federal benefits.
"If a Veteran or a survivor or a dependent has nowhere to go to talk to someone who can advise them, and council them on benefits, and then assist them in the process of applying for those benefits, then they won't do it," Smith said.
Listen above to hear Smith talk about what the Michigan Veterans Affairs Agency (MVAA) could be doing to better support Veterans, and his advice for Veterans seeking help with determining their own potential VA benefits.
One of the major aspects of developing a disability claim with the VA is gathering and submitting relevant evidence to help support it. The VA has what is called a duty to assist, however, it can be extremely beneficial to also gather your own evidence during the claims process. By submitting various forms of evidence, you provide the VA with more information and different angles for them to view your case. The type of evidence you should consider submitting will depend greatly on the disabilities that you are experiencing and at what step of the process you are at.
Types of Evidence
Service Records/Service Medical Records
When trying to initially get your claim service connected, you have to show an in-service event that led to your disability. The easiest way to prove this in-service event is with your service records and medical records, if the event is documented. Whether it is a physical injury, or a mental one, having it documented in your service records can be a huge stress reliever when it comes to managing your VA claim. If the in-service event is not documented in your service record, don’t give up on your claim! There are other pieces of evidence that can be used to help prove your claim.
Service records can also be beneficial when you need to prove you were in a certain location during a specific time period. For example, for the VA’s presumptive illnesses, you may need to show that you were in Vietnam or Thailand between 1962 and 1975, or that you were stationed at Camp Lejeune between 1953 and 1987, or even possibly that you served in the Southwest Asia Theater during the Gulf War. Your service record should contain any documents that show what units you were assigned to and the location of each. These documents can include, but are not limited to, orders, travel vouchers, re-enlistment paperwork, and awards.
Expert Medical Opinions
Medical opinions can be useful, whether you are trying to show service connection for a disability, or if you are requesting an increased rating. Medical opinions allow for an outside doctor to review your claims file and meet with you to discuss your disabilities, symptoms, and the limitations you suffer because of it. They can provide the VA with a detailed medical account to show diagnosis and severity.
When filing for increased compensation based on unemployability, it is required to disclose your employers of the last five years that you actually worked. By giving the VA the employer’s name and address, it allows them to send the employer a form to verify when you worked there, your total income earned, the type of work you did, and anytime you lost due to illnesses. Basically, they are verifying all of the information that you included on the form 21-8940, but they want to hear it from the employer. You can expedite this step by sending your previous employers a form 21-4192 when you first file for individual unemployability.
Buddy statements can be helpful at any point in your process with the VA. If you are trying to get service connected or receive a higher rating, a buddy statement can prove to be your best piece of evidence. Generally, buddy statements will come from close family members or friends who have witnessed your disabilities and the change they have caused in your life. Buddy statements can also come from fellow service members, and can be beneficial if you are trying to prove a specific location or an event in service. They can help to corroborate the facts to the VA and provide an additional outlook on your situation.
Deck logs can be vital to a Navy Veteran’s claim, especially when they need to show that they were part of the Brown Water Navy, serving within the inland waterways of Vietnam. For these Veterans, the deck logs for their ship during the time they were deployed to Vietnam can be requested and used to show on what days their ship was inland and what specific bay or waterway they were in. Deck logs can also be used to help prove a stressor that may have occurred on board on the ship. For example, if there was an active shooter on the ship and a Veteran developed PTSD and is now trying to get it service connected, the deck logs can be used to prove the incident occurred and provide the details of the situation.
If you are trying to obtain additional compensation for your dependents, there is also evidence required for these benefits to be granted. When you file for dependents with the VA, you must complete a form 21-686c. With this form, you list any current and prior marriages, as well any prior marriages of your spouse. You also list any children who may qualify for benefits. To prove you have a spouse, you may be required to submit your marriage certificate and any prior divorce decrees. To claim children, you may be required to submit their birth certificate, so it is helpful to know where these documents are and have them ready to avoid further delay with the VA.
In the summer of 2017, President Trump signed into law the Appeals Modernization Act establishing a new process for the VA in the way they handle benefit processing. The Act is designed to improve timeliness, provide more transparency, and be fairer in an effort to improve benefits for Veterans. The Act is expected to go into effect in February 2019.
RAMP, the Rapid Appeals Modernization Act, is an invitation for Veterans to enter into the program earlier than the February 2019 date and gives two options for Veterans to participate, either the Supplemental Claim or a Higher-Level Review Claim. As of April 1, 2018, all Veterans who have a claim on appeal are eligible to participate in RAMP. However, the question is, should you?
Supplemental Claim Lane
The Supplemental Claim Lane is designed specifically to allow Veterans to submit new evidence to support their claim. The VA is under obligation to provide “Duty to Assist” by law with these appeals. In order to be eligible, a Veteran must have an active appeal for a disability claim at one of the following levels:
- Have filed a Notice of Disagreement (NOD);
- Have filed a VA Form 9 (Appeal to the Board of Veteran’s Appeals – BVA)
- Have been certified to the BVA; or
- Have a remand from the BVA.
Veteran’s can “opt-in” by sending in a signed opt-in form which allows them to transfer their claim to the RAMP program and submit new and relevant evidence in support of the claim. The longer it takes for the new evidence to be submitted, the longer it will take for a decision to be made. The VA is stating they expect to complete supplemental claims within 125 days.
New and Relevant Evidence
One of the big questions is what exactly “new and relevant” evidence is. The terminology is different than what the VA required previously; new and material evidence, and no ruling has yet to be made on what makes “material” different from “relevant.”
Material evidence was defined previously as “relevant and related to an unestablished fact necessary to prove the claim. It must have a legitimate influence or bearing on the decision, and cannot be cumulative or redundant.” In the legal world, material evidence is offered to prove an issue is true.
Relevant evidence seems like it should be the same as material. However, in the legal world, relevant evidence must be material or have probative value, which means it must show the issue is more or less likely true, it does not necessarily have to prove anything. This seems like a lesser degree of weight required for evidence, but again, there is no official ruling by the VA as of yet. This is actually more in line with the VA’s policy of siding towards the Veteran, but is still something we will be watching closely as decisions are rendered.
Once a claim has been denied due to evidence not being new and relevant, an appeal will come forth to request a definition from the VA. However, we are still waiting on definitions for and clarification on so many other legal terms used by the VA, it may be years before a clearer understanding of the difference in required evidence is made.
One of the most important things to remember is to gather all your evidence PRIOR to opting into the RAMP Supplemental Claim Lane. The VA still has to develop evidence at their end, and waiting to submit evidence after you have opted in will only slow things down.
What Can Be Submitted as New and Relevant Evidence?
First, the evidence must be new, something the VA has not seen before that is not redundant or a repeat of records already reviewed. For example, new records from treatment provider showing the same diagnosis will not be considered new, but records showing an increased level of severity or a new diagnosis concerning the same issue will be considered new. An independent medical evaluation is considered new evidence. Relevant means, for the sake of this article, that it has to do with the issue(s) on appeal. Filing evidence of a psychiatric diagnosis is not relevant to a back condition, unless there is a diagnosis of pain syndrome that is causing the mental health condition. In other words, the evidence submitted must be linked to the condition on appeal, even if it is a secondary condition due to the original issue claimed.
Evidence can come in many forms:
- Lay evidence: a statement from a non-professional that attests to the Veteran’s behaviors or physical conditions that has not been previously submitted and the VA has no previous knowledge of. For example, on a PTSD claim, submitting a statement from a parent stating how the Veteran’s behaviors have changed from prior to service compared to after service.
- Medical treatment records: from a treatment provider, private or the VA, that includes new information such as a new diagnosis, an increased level of severity, or a secondary diagnosis related to the issue on appeal.
- Independent medical opinion: an opinion from an objective provider who has nothing to gain from or investment in either the Veteran or the VA. The provider is presented with documented evidence of the claim, the same evidence the VA has reviewed, and provides their unbiased opinion of the facts.
- Service Records/Service Medical Records: Any service records the VA has not already reviewed that have new evidence of the issue such as treatment records showing the Veteran received treatment for the condition in service where no records had been reviewed prior or of an event that is related to the condition. This can also include the service records of other service members who served with the Veteran. For example, if a Veteran is appealing a denial of PTSD and another service member in their unit received a purple heart for being injured while they were stationed together due to an IED, that would be new and relevant evidence.
As with any new program, there are always bugs to work out. The VA’s claims of decisions in 52 days are not coming to light as of yet for most Veterans, and many are not meeting the 125 day deadlines either. Ask your representative or attorney to review everything before you submit it because as the laws are written to make things faster and simpler, they seem to always make them more complicated.
There are very certain circumstances that the VA will consider expediting a claim, and they are often confusing as each regional office can sometimes offer expedition for a claim that may fall outside of the parameters based on special circumstances. However, the basic rules for expediting a claim are laid out in the VA regulations below. We will also discuss some ways to help make sure your expedite is reviewed with the minimal possibility for errors.
Reasons the VA expedite a claim when:
Regulations require the following to be expedited:
- Any claimant who is
- diagnosed with Amyotrophic Lateral Sclerosis (ALS) or Lou Gehrig’s Disease
- a participant in the Fully Developed Claim (FDC) Program
- experiencing extreme financial hardship, or
- a survivor of a former Prisoner of War (FPOW).
- Any current or former member of the Armed Forces who
- was very seriously injured/seriously injured (VSI/SI) in service and is not already receiving Department of Veterans Affairs (VA) disability benefits
- is an FPOW
- is homeless
- is terminally ill
- is more than 85 years old, or
- received the Medal of Honor.
However, there are some guidelines and exceptions, as well as some confusion and irregularities in the regulations that Veterans need to pay close attention to.
Under 38 CFR § 61.1; the VA will consider a Veteran homeless if they meet the criteria set forth under the legal definition of homelessness per 42 U.S. Code § 11302:
- an individual or family who lacks a fixed, regular, and adequate nighttime residence;
- an individual or family with a primary nighttime residence that is a public or private place not designed for or ordinarily used as a regular sleeping accommodation for human beings;
- an individual or family living in a supervised publicly or privately operated shelter designated to provide temporary living arrangements;
- an individual who resided in a shelter or place not meant for human habitation and who is exiting an institution where he or she temporarily resided;
- an individual or family who—
- will imminently lose their housing, including housing they own, rent, or live in without paying rent, are sharing with others, and rooms in hotels or motels not paid for by Federal, State, or local government programs for low-income individuals or by charitable organizations, as evidenced by—
- a court order resulting from an eviction action that notifies the individual or family that they must leave within 14 days;
- the individual or family having a primary nighttime residence that is a room in a hotel or motel and where they lack the resources necessary to reside there for more than 14 days; or
- credible evidence indicating that the owner or renter of the housing will not allow the individual or family to stay for more than 14 days, and any oral statement from an individual or family seeking homeless assistance that is found to be credible shall be considered credible evidence for purposes of this clause;
- has no subsequent residence identified; and
- lacks the resources or support networks needed to obtain other permanent housing
Any individual who is fleeing domestic violence or other life-threatening situations and no other housing options are available is also considered homeless
- Age: Here is where irregularities sets in. The VA regulation M21-1, Part III, Subpart ii, Chapter 1, Section D states that the eligible age for expediting a claim is 85. However, 38 CFR § 20.900, which is the Federal regulation set forth by legislation states that the age of 75 years or older is eligible for expedition. Many regional offices use the age requirement of 85 years of age to reduce the number of claims they are backlogged. However, the federal regulation clearly states 75 years of age so if an RO is stating a Veteran does not qualify because they are under 85, please refer to this regulation.
- Extreme Financial Hardship: Financial hardship is granted on a case-by-case basis and a Veteran must have documentation to prove their case. There are specific situations where the VA will consider a financial hardship and these include home foreclosure, bankruptcy, inability meet daily living expenses such as food and electric, or having utilities being turned off; past due mortgage or rent payments. Preventing homelessness is often a priority in financial hardship cases.
- Poor Health: 38 CFR 7107 states that a case may be advanced based on poor health. This is usually defined as terminal illnesses or injuries that will lead to a person’s eventual death. These types of illnesses or injuries include terminal cancers, heart failure, or injuries that are deemed by a physician to lead to death.
To file an expedite request, a Veteran will have to ensure they have documentation to support any claim they are making. For example; shut off notices for utilities, diagnosis and treatment records for illness/injuries; a statement from a social worker or other official identifying the Veteran as homeless (medical professional, DFCS, non-profit organization provider, etc.).
Is Getting a Claim Expedited Worth it?
Filing an expedite request on a claim will speed up the clock and will help your representative or attorney push to get a decision made on your case. Most of the time it does speed up the process, but there are never any guarantees that it will get a decision in time to prevent the loss from happening. The VA’s new program is attempting to work faster and more efficiently, in all cases, to prevent more Veterans from becoming homeless or passing away before their benefits are awarded, but in any case, your representative knows exactly which forms you need to get the expedite approved and moving.
By law, the TRICARE Retiree Dental Program (TRDP) will end on Dec. 31, 2018. New dental plan options for those enrolled in TRDP will be available through the Federal Employees Dental and Vision Insurance Program (FEDVIP). FEDVIP vision coverage will also be available for the first time.
In case you missed the September webinar, join the TRICARE webinar on Oct. 11, from 2 to 3 p.m. ET, to learn about new dental and vision coverage under FEDVIP. The “New Dental and Vision Coverage Options for TRICARE Beneficiaries” webinar will discuss who is eligible for FEDVIP, as well as how and when to enroll.
There’s no automatic enrollment into a new dental plan once TRDP ends. For 2019 dental coverage, retirees and their family members must take action to enroll in a FEDVIP plan. All beneficiaries eligible for TRDP are eligible for FEDVIP dental coverage. Visit the FEDVIP website for dental plan options.
If you’re eligible, your first chance to enroll in FEDVIP is during the 2018 Federal Benefits Open Season. This runs from Nov. 12 through Dec. 10, 2018. Your coverage will then start Jan. 1, 2019.
Retirees, retiree families, and active duty families are eligible for FEDVIP vision coverage. This year’s FEDVIP open season is also your first chance to enroll in a FEDVIP vision plan. If you enroll during open season, your coverage will start Jan. 1, 2019. Visit the FEDVIP website for vision plan options.
Register to join us on Oct. 11 to learn more about the TRDP transition to FEDVIP and what the change means for you. A Q&A led by the presenters will follow the presentation.
Military retirees eligible for the new dental and vision coverage — as well as active duty families eligible for the new vision benefit — can start researching their options in earnest now, with the release of new rates for 2019.
The enrollment period for coverage under the Federal Employee Dental and Vision Insurance Program, or FEDVIP, is Nov. 12 to Dec. 10, but the time to start comparisons is now, said Kathy Beasley, director of government relations, health affairs, for the Military Officers Association of America.
For retirees, the FEDVIP replaces the Tricare Retiree Dental Program, which ends Dec. 31. In order to have dental and vision coverage on Jan. 1, retirees must sign up during the enrollment period. Active duty families are still eligible for dental coverage under Tricare, but if they want the new vision coverage, they must sign up during the enrollment period.
“We want to get this information out as soon as we can to give people extra time to make their decisions,” Beasley said, noting the Office of Personnel Management had provided the information early, in advance of being published on Tricare.benefeds.com. The rate information is available here, and will be available in early October on the website, along with a comparison tool that helps in making the choice.
The rates and options vary among the different plans, but according to Beasley, officials with the Office of Personnel Management said the average gross dental premium for 2019 increases by 1.2 percent compared to rates for 2018. That does vary; for example, the FEP BlueDental rates for 2019 are decreasing on average by 6.8 percent for the high option and by 7.8 percent for the standard option, according to William A. Breskin, senior vice president of government programs for the Blue Cross Blue Shield Association.
The actual premium will depend on the plan chosen, but across the carriers, the average dental premium rates for 2019:
Average biweekly dental premium*
Average monthly dental premium*
Self + 1
Self + family
*Actual premium may be higher or lower
*Actual premium may be higher or lower
The average vision gross premium is decreasing by 2.8 percent in 2019.
The actual premium will depend on the plan chosen, but across the carriers, the average vision premium rates for 2019:
Average biweekly vision premium*
Average biweekly vision premium*
Self + 1
Self + Family
*Actual premium may be higher or lower
*Actual premium may be higher or lower
It’s difficult to compare costs under the new plan with current costs under the Tricare Retiree Dental Program because the TRDP is a “one size fits all” program.
Beasley said many MOAA members have said they looked at the 2018 FEDVIP prices compared to TRDP, and can’t find the exact same coverage and prices for comparison purposes. The FEDVIP offers a variety of different plans and options, with 10 different companies offering dental options for dental coverage, and four different companies offering vision coverage.
She said officials at OPM, the Defense Health Agency, military service organizations and Veterans service organizations have joined forces in the last few months to get the word out to retirees about the new retiree dental plan options, but some apparently don’t know about the changes. She said she was in Huntsville, Alabama, giving a briefing, and about half of the retirees she spoke to had heard about the changes.
As retirees evaluate their choices for the new dental plan, Beasley suggests that if they like their current dentist, they should ask their dentist whether they accept a FEDVIP plan, and talk about next year’s dental needs.
“Your dentist knows your dental health and what you might anticipate in the future," she said. "Do your due diligence and look at the pricing. Use the plan comparison tool, and make your decision based on that.”
Editor’s Note: This story has been updated to include additional information from the VA.
It’s nearly October, and the fall semester at colleges across the country is already in full swing.
Yet because of technical problems, about 360,000 GI Bill users are still receiving the wrong amount of money for their housing stipends.
Under the Forever GI Bill, signed into law by President Trump last year, the VA was supposed to change the way it calculates monthly housing stipends for students attending classes at a location other than their school’s main campus, starting Aug. 1. Payments were also supposed to reflect the same 2018 rate that an active-duty E-5 with dependents would receive for housing.
These changes required significant updates for the VA’s Office of Information and Technology, which encountered “several critical errors” during testing, VA spokesman Curt Cashour said in an email.
Rather than move forward with a flawed system, the VA has told schools to certify students’ GI Bill claims under the old rules, resulting in inaccurate payments to about 360,000 of the 392,459 currently using GI Bill benefits.
While Cashour said the VA is “working diligently to resolve the outstanding issues and deploy the software solution as soon as possible,” he did not provide an expected completion date.
Michelle Reitze, assistant vice president in the Veterans Certification Office at the University of Maryland University College, said some students may not even realize that they’re not receiving the right amount on their housing stipend, because it matches what they received last year or because the difference is small.
The monthly housing allowance rate increased by less than 1 percent between 2017 and 2018, on average, according to Cashour.
Where things could get hairy is after the VA software is up and running, when schools will likely have to rerun students’ claims to ensure they receive what they’re owed retroactively, Reitze said. She emphasized that she was speaking based on her own experience and not on behalf of UMUC.
Advocates for Veterans in higher education wrote in a letter to VA Sec. Robert Wilkie earlier this month that incorrect payments “are asking Veterans, their families, and schools to bear the burden of VA’s problems.” The organizations, which include AMVETS, Iraq & Afghanistan Veterans of America, Veterans of Foreign Wars, Student Veterans of America and 11 others, called for correct and prompt payments, greater communication to students, and reassurance on payment discrepancies.
The VA has said it will correct any discrepancies between what students were paid and what they should have been paid once the software updates are live. If students are overpaid, “no debts will be collected as those amounts will be waived as administrative errors” and students will be paid the correct amount going forward.