Posts Tagged ‘Korean War veterans’

The Veterans Benefits

Saturday, October 29th, 2011


The Veterans Benefits

By: Robin Gibson

If you served your country and received a debilitating injury while on duty you deserve far more than just the condolences and admiration of the country. It is the duty of the military to provide for its veterans, especially those that were injured. Your disability might be conflicting with your type of post military work and may be providing for yourself and your family close to impossible.

If you are a disabled veteran and are unable to work, then it is wise for you to apply for veterans disability benefits. In order to qualify for these benefits, you must have a disability that is service-related and be honorably discharged from military service.

Disability compensation depends on a couple of things on how severe your disability is and how many dependents you have. Other things such as loss of a limb, dependent makeup and disabled spouse also come into play when your benefits are calculated.

This should not be something you have to live with. There are veteran disability compensation programs that are meant to provide income and medical reimbursement for veterans who were injured while on duty. Speak up for your rights and demand the compensation you deserve from the Veteran’s Affairs office closest to you.

Veterans who were injured during their service in the military are entitled to education, training and subsistence allowances, disability compensation and pension for disabilities, grants from the Department of Veterans Affairs for homes designed for wheelchair use or those who have lost eyesight along with funds for vehicles or vehicle modification due to disability, Veterans insurance proceeds and dividends including interest on insurance dividends left on deposit with the Department of Veterans Affairs, dependent-care assistance benefits, and death benefits.

Your individual state may offer certain Veterans benefits in addition to those provided by the federal government. Since these benefits vary from state to state, you will need to research your particular state to determine if it offers any additional Veterans benefits.

Veterans disability benefits are readily available for qualified military personnel. The military often denies disability claims but it does have an appeals process in place. To appeal, you must complete a Notice of Disagreement. It is also advisable to hire an attorney at this point to increase your chances of being approved.

For any veteran returning from war, it is essential for him or her to know their service is valued, and the best way to do this is to make sure he or she receives the same privileges as the people they defend. By investigating some of the benefits mentioned about, a returning veteran will surely be on the right path to discovering all the opportunities they have available upon a safe return to the country.

Author Resource:-> Robin Gibson is a businessman online who is very passionate in writing articles about veterans such as Veterans Benefits.

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How Veterans can Benefit from a VA loan

Saturday, October 29th, 2011


How Veterans can Benefit from a VA loan

By: Klara Kopecky

Perhaps you have attempted obtaining a loan? When you have, it’s likely you have observed the time as well as the volume of red tape that you must go through before the loan gets sanctioned. Our veterans committed a good time of their lives in caring for our country and safeguarding it from the enemy. They’re individuals just like you and me and several of them are looking for financial loans for obtaining a house of their aspirations. This is where the VA loan levels in. Ask them who have applied for such financial loans and they’ll let you know how easy it’s to have the same accepted.



Apart from that, the quantity of bureaucracy associated with applying for a VA loan is very less. Additionally, the proportion of interest upon these types of financial loans is far less compared to that on standard types. The main aim of the VA loan home program is to aid veterans to get money with which they can purchase a home of their ambitions. This loan is provided at a rate of interest, which is economical when compared with those pertinent on other financial loans. A lot of people make the blunder of presuming that these financial loans are supplied specifically by the government.



This is a wrong thought. Private banking institutions provide the loans. There are no discrimination involved relating to race, faith, color of the skin, handicaps etc. Apart from this, there’s another benefit for the veterans who’re trying to get VA loans. They don’t have to provide any advance payment provided that the worth of the house is reasonable as determined by VA. In the event the debtor fails to pay their monthly interest, on typical financial loans, within the stipulated period of time, they need to pay out a fee. Nevertheless, this is not the case so far as VA loans are involved.



Search online and you shall find many financial institutions that offer these kinds of financial loans. Make contact with some of them and check out their conditions and terms. Choose the one that suits you the most and decide in for a loan through them. However, there are specific eligibility criteria that the veteran must fulfill before they are able to avail of the loan. Make an application for this type of loan today and acquire the home of your desires in the near future. The forms necessary for applying can be had from the mortgage brokers.

Author Resource:-> Find more inf on on the best low va rates and also va loans.

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GI’s Attend College Long Distance And Get Financial Aid!

Saturday, October 29th, 2011


GI’s Attend College Long Distance And Get Financial Aid!

By: Michelle Conner

Whether a sailor is at sea for six months, or a soldier or airman is deployed away from home for a year in the desert, no one questions their dedication to duty. Countries across the globe are more dependent than ever on America’s military to protect and serve, whether it’s in a war zone or a natural disaster such as an earthquake. Congress has recognized their sacrifices and created the New GI Bill, which allows these selfless heroes financial aid so they can go to school to get a degree.

The GI Bill was first enacted under President Franklin D. Roosevelt in 1944 to help soldiers returning from WW II go to college so they could re-enter the work force after serving in the military during the war. More than two million veterans used the financial aid available to them to go back to school. Having the largest educated work force in the history of the nation led to an unparalleled period of economic prosperity in America. If you need more information about government grants, look on the internet.

Ever since September 11, 2001, the men and women in the armed forces have trained and worked harder than ever. The Post-9/11 GI Bill was enacted specifically to reward service members who have served more than 90 days since 9/11 with financial aid for education. The Department of Veterans Affairs administers the program, and there are many grants and scholarships available to veterans and their families.

There are numerous educational programs vets can use their financial aid toward. Online college is one type of education that the GI Bill covers. If a veteran wants to participate in online training for a specific type of job, or even to earn Continuing Ed credits or independent study, the GI Bill will cover that through a program called the Montgomery Bill. If an online two or four year degree is what the vet wants, the GI Bill will cover that with no problem.

If a veteran chooses to attend classes online, it must be with an accredited university or college. The GI Bill does not cover any expenses associated with universities or colleges that are not accredited. Distance classes offer active duty military members the opportunity to continue their education while allowing them the flexibility to continue the important work of the armed forces. There is an abundance of information about pell grants on the web.

Another important facet of the New GI Bill is the ability for some eligible service members to transfer their benefits to their spouses or children. In addition to transferring benefits, there are also some scholarship and grant programs available for family members. The Marine Gunnery Sergeant John David Fry Scholarship is available for children who have a parent who is killed while on active duty. Scholarships and educational benefits for family members may be applied to online education, if they so choose.

The New GI Bill does more to help military members and vets go to school than it ever has. Tuition may be covered up to 100% in many cases, and financial aid benefits up to $49,000 may be awarded. The money can be used for a wide variety of expenses, including books, fees, or other expenses. Once a veteran or military member decides to use his or her beneGfits, they need merely to apply online or at their local Veterans Affairs office.

Author Resource:-> With the advent of online education, going to school for military members and vets has never been easier. The financial aid that is available to our military through the GI Bill allows these men and women the opportunity to complete their education to the highest level they wish.

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What Are The Different Kinds Of Veterans Home Loans?

Saturday, October 29th, 2011


What Are The Different Kinds Of Veterans Home Loans?

By: Philip Georgiades

Mortgage loans funded in the United States that are guaranteed by the U.S. Department of Veteran Affairs are known as VA Loans.

These loans were developed to offer long-term, affordable home financing to eligible American veterans or their surviving spouse (except in cases of remarriage). The VA home loan program’s basic intent was to provide military service-members easy access to home financing when private sector financing was not typically available, and to aid veterans with the ability to purchase property with no money down.

There are four distinct VA loan types. Those are the VA Vendee loan, VA $0 down purchase loan, VA Refinance, VA Interest Rate Reduction Loan. All VA loans are guaranteed by the VA.

VA Vendee loans are very different than the other three. It is used to purchase investment property as opposed to property the borrower will occupy and the only VA loan open to civilians. Offered to veterans and non-veterans, the VA Vendee loan is used to aid with the purchase of multi-family REO income producing properties.

The VA purchase can be financed with as little as O% down, and a non-owner occupied VA Vendee purchase can be financed with as little as 5% down. The VA IRRL stands for Interest Rate Reduction Loan. The purpose is to refinance a VA loan with a new VA loan to lower payment, interest rate or both. The VA refinance allows a homeowner to take out equity, consolidate debts, or use the money to rehabilitate or remodel their property. If it is a VA refinance, the property can either be owned free and clear, or one with any kind of mortgage.

All VA loan types will allow for $6,000 of energy efficient improvements to be financed into the loan.

All refinance types and the $0 down VA purchase require the borrower to certify that they intend to occupy the property as their primary residence. This means the Veteran/borrower will state that they plan on living (or currently do live) in the property as thier main home. However, there is also no formal time frame occupancy requirement with a VA loan. Many times veterans struggle in cases where they are unable to sell their current home and desire to rent it out and buy another home. Because of this, VA loans allow you to use the benefit more than once. However, the $0 down VA home loan is intended to be used for a persons primary home, and you must request and qualify to have more than 1 VA loan at a time.

Usually, a VA loan offers the most advantages when compared with other mortgage types. We hope this guide will help you better understand the VA loan process and help you determine which VA loan is the right one for you.

Author Resource:-> If you would like to get either refinance or purchase VA loans, visit http://www.VAHLC.org Philip Georgiades San Diego VA Home Loan Center.

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Everything About VA’s Aid And Attendance Benefit

Saturday, October 29th, 2011


Everything About VA’s Aid And Attendance Benefit

By: Levi Dixon

Officially titled “Pension”, aid and attendance is a commonly used term for veterans’ disability income. Aid and attendance benefit is available to qualifying veterans and their surviving spouses who have evidences of a regular need for the aid and attendance of a caregiver. Veterans and their surviving spouses may avail of this benefit provided they are qualified and certified by VA.

Who are eligible for VA’s aid and attendance benefit?

In honor of the veterans who served on active duty during the World War II, the Vietnam War or the Korean Conflict, the government offers this benefit through the Department of Veterans Affairs. Following is this year’s maximum monthly benefit for those who are qualifying for the Aid and Attendance benefit:

For a married couple where the Veteran requires care, the maximum benefit is $1,949 monthly.

A Veteran with no spouse or dependent children is entitled to a maximum of $1,644 monthly.

A Veteran who is healthy, with a spouse that requires care can qualify for Income Improvement Pension of up to $1,291 monthly.

Surviving spouse of a Veteran may avail up to $1,056 monthly.

Applying for aid and attendance benefit can be quiet tedious as there are a lot of forms and documents you will need to comply and present in the application process. They are mandatory procedures which will also help VA in the qualifying process.

The VA and many service organizations including the American Legion or the VFW can help you learn how to apply for this benefit. However, if you think you need extensive information, The Veterans Financial Inc. Will be happy to help you become more informed. They have an expert staff that has helped more than 30,000 families become better educated about the Aid and Attendance Pension Benefit.

Author Resource:-> Levi Dixon is a successful online marketer who love to write articles about VA’s Aid and Attendance Benefit.

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Important Things To Know About VA’s Aid And Attendance Benefit

Saturday, October 29th, 2011


Important Things To Know About VA’s Aid And Attendance Benefit

By: Al Weaver

Officially titled “Pension”, aid and attendance is a normally utilized term for veterans’ disability revenue. Aid and attendance benefit is offered to qualifying veterans and their surviving spouses who have evidences of a typical have to have for the aid and attendance of a caregiver. Veterans and their surviving spouses might avail of this benefit provided they are qualified and certified by VA.

Who are eligible for VA’s aid and attendance benefit?

In honor of the veterans who served on active duty through the Planet War II, the Vietnam War or the Korean Conflict, the government presents this benefit by way of the Department of Veterans Affairs. Following is this year’s greatest monthly benefit for individuals who are qualifying for the Aid and Attendance benefit:

For a married couple wherever the Veteran needs care, the highest benefit is $one,949 per month.

A Veteran with no husband or wife or dependent kids is entitled to a highest of $1,644 month-to-month.

A Veteran who is wholesome, with a partner that needs care can qualify for Revenue Improvement Pension of up to $one,291 monthly.

Surviving husband or wife of a Veteran might avail up to $one,056 per month.

Applying for aid and attendance benefit can be quiet tedious as there are a whole lot of forms and documents you will will need to comply and present in the application method. They are mandatory procedures which will also support VA in the qualifying course of action.

The VA and several assistance organizations such as the American Legion or the VFW can assist you discover how to apply for this benefit. On the other hand, if you believe you will need extensive information, The Veterans Monetary Inc. Will be happy to aid you become a lot more informed. They have an expert staff that has helped a lot more than 30,000 families grow to be greater educated about the Aid and Attendance Pension Benefit.

Author Resource:-> Al Weaver is an internet marketer who love writing articles about Veterans’ Aid and Attendance.

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Understanding the VA Aid and Attendance Improved Pension

Sunday, October 3rd, 2010

AID AND ATTENDANCE IMPROVED PENSION

Veterans of WWII, Korea and Vietnam have a little know benefit called the Aid and Attendance Improved Pension available to help pay for long term care.  The Veterans Administration doesn’t commonly offer information about the Aid and Attendance Pension that is not only available to the veteran but to their spouse or widow as well.  With today’s rising healthcare cost this benefit is a Godsend to veterans who need care.  It is often the money needed to be able to have care or live in an assisted living.  Let’s look at some of the specifics to qualify for the Veterans Aid and Attendance Improved Pension.

General Eligibility Requirements

Must have served during a period of war

The veteran must have served at least one day of active military service during one of these periods, served a total of 90 days of military service altogether, and had an honorable or general discharge.

Must require the need of an aid or attendant

The veteran or spouse must require an aid or attendant to assist them with at least one activity of daily living.  These activities include mobility, bathing, eating, dressing, or toileting.  In addition, diminished mental capacity would qualify as a criterion.  The aid or attendant can provide assistance with any of the above plus can serve in other capacities such as socialization, meal preparation, housecleaning, maintenance, etc. as long as the primary reason for the need is to help with one of the ADL’s.

The aid or attendant can be a professional, family member, or friend and the services can be provided in a residence, assisted living facility, or nursing home.  A resident of an assisted living facility or nursing home is deemed to be in need of such services.   Also, the blind are deemed to be in need.

If over the age of 65, the cause of disability does not have to be service related.  Alzheimer’s, stroke, Parkinson’s, etc. are all reasons for the need of an attendant.  If under the age of 65, the reason for disability must be service related if there is a partial disability.  For those veterans under the age of 65 with a full disability, the benefit may be available.

Must meet certain financial requirements

The need for aid and attendance must be supplemented by the need for financial assistance to pay for those services.  Eligibility is determined through both income and asset levels.  Unlike Medicaid planning, both incomes and all assets are considered for married couples.  But also unlike Medicaid Planning, there is currently no ‘look-back’ period for assets that have been gifted or removed from the veteran’s estate. 

When planning for the financial qualifications for the VA benefit, it is important to remember that the client may be a future prospect for nursing home confinement and that planning should be coordinated with Medicaid in mind.  Assets and income are treated differently and if the goal is protect some assets for a community spouse, a thorough understanding of how these two programs clash is essential.

Income Qualification

Income need is based on a formula that takes into consideration the applicant’s total household income less any unreimbursable medical expenses.  Uunreimbursable medical expenses is include Medicare premiums, prescription costs, co-pays and deductibles, over the counter medications and medical supplies. 

Asset allowance determinations are made on a case-by-case basis and take into consideration the total of assets, the life expectancy of the applicant, and other fixed expenses the applicant may be facing.  

If the monthly costs of all unreimbursed medical expense are greater than the client’s total household  income, they will be eligible for the FULL AID AND ATTENDANCE MONTHLY PENSION.

If the monthly costs of all unreimbursed medical expense is less than their income, but the resulting sum (income less expenses) is less than the threshold amount, they may be eligible for a PARTIAL AID AND ATTENDANCE MONTHLY PENSION.

The benefit amount is TAX FREE for the rest of their life.

Aid and Attendance Asset Qualification

Excluded assets include your primary home, car, pre-paid funeral (assigned or trust) and personal effects.  Everything else is available to be used to pay for care. The VA will assess disqualification if it appears that the applicant has sufficient assets to pay for the unreimbursed medical expenses based on their life expectancy.

What options are available to assist the client with qualification for Aid and Attendance?

Transfer of ownership – For people in assisted living or home environments, they are not ready or willing to transfer ownership of their assets to their children or other heirs.  They may still need funds for living expenses, travel, entertainment, etc. 

Veterans Care Solutions can help seniors transfer ownership without giving up control of their assets and having the money spent by those to whom they have transferred that ownership.  They will have access to the funds for their own use.  And, those assets can be transferred back to the applicant in the event Medicaid planning is necessary.

The Process to Apply for Aid and Attendance

The application process can take from 4 to 8 months.  If approved, the benefit will be paid retroactively to the first day of the month following the month of submission.  The application for Aid and Attendance benefits includes a complete medical history, financial accounting, and pharmacy and doctor reports.  The key to acceptance is completing the application properly the first time and including all the necessary information they will need to quickly determine your claim.  The VA is a large bureaucracy and tends to lose applications once they are set aside for further review or information requests.   Veterans Care Solutions specializes in guiding you on completion, submission, and follow-up of these forms. 

In addition to the application form, the following documents are needed:

Discharge/Separation Papers (DD-214)

Copy of Marriage Certificate and all marital information (if applicable)

Copy of the Death Certificate (surviving spouses only)

Copy of current Social Security Award Statement and any other income

Net Worth information

Proof of insurance premiums, medications, medical bills or any other medical expenses that are not reimbursed by insurance, Medicare, or Medicaid

Physician statement that includes current diagnosis, medical status, prognosis, name and address, ability to care for self, ability to travel unattended, etc

A statement of residency or level of healthcare service and the amount paid.

Summary

Veterans Care Solutions can assist you and your clients in applying and qualifying for the VA Aid and Attendance Program.  We conduct an initial screening to determine eligibility based on health factors and we will then conduct a financial interview to determine what, if any, steps they need to take to meet the financial qualification.  Veterans Care Solutions will also work with all family members and attorneys to assist them in understanding the steps that need to be taken, a timetable for those steps, and the results of the implementation of the plan. 

We then will guide you in completing the application so that it gets quickly approved.  We also work with and through home care, assisted living, and nursing home personnel to educate families and caregivers about these benefits.  We also assist these same personnel with communication tools to help them advertise this benefit to both current and prospective residents and clients.  .

We believe this benefit is a ‘thank you’ for the service to our country that these brave men and women and their families have made.  We are pleased to be able to honor them in this way.