VA Dental Plan Now Available

Pilot Program For Vets With No Dental Care  

WASHINGTON – VA is partnering with Delta Dental and MetLife to allow eligible Veterans, plus family members receiving care under the Civilian Health and Medical Program (CHAMPVA), to purchase affordable dental insurance beginning Nov. 15, VA officials announced today.  

“VA continues to explore innovative ways to help Veterans get access to the care and services they have earned and deserve,” said Secretary of Veterans Affairs Eric K. Shinseki. “This new dental program is another example of VA creating partnerships with the private sector to deliver a range of high-quality care at an affordable cost, for our Nation’s Veterans.”

More than 8 million Veterans who are enrolled in VA health care can choose to purchase one of the offered dental plans.  This three-year pilot has been designed for Veterans with no dental coverage, or those eligible for VA dental care who would like to purchase additional coverage.  Participation will not affect entitlement to VA dental services and treatment. 

There are no eligibility limitations based on service-connected disability rating or enrollment priority assignment.  People interested in participating may complete an application online through either Delta Dental, www.deltadentalvadip.org or MetLife, www.metlife.com/vadip beginning Nov. 15.  Coverage for this new dental insurance will begin Jan. 1, 2014, and will be available throughout the United States and its territories. 

Also eligible for the new benefits are nearly 400,000 spouses and dependent children who are reimbursed for most medical expenses under VA’s CHAMPVA program.  Generally, CHAMPVA participants are spouses, survivors or dependent children of Veterans officially rated as “permanently and totally” disabled by a service-connected condition.

Dental services under the new program vary by plan and include diagnostic, preventive, surgical, emergency and endodontic/restorative treatment.  Enrollment in the VA Dental Insurance Plan (VADIP) is voluntary.  Participants are responsible for all premiums, which range from $8.65 to $52.90 per month for individual plans.  Copayments and other charges may apply.

Historically VA’s free dental services have gone to Veterans with dental problems connected to a medical condition that’s officially certified as “service connected.”  Free dental services will continue for those Veterans. 

For more information on VADIP, visit www.va.gov/healthbenefits/vadip, or contact Delta Dental at 1-855-370-3303 or MetLife at 1-888-310-1681.

Veterans who are not enrolled in the VA health care system can apply at any time by visiting www.va.gov/healthbenefits/enroll, calling 1-877-222-VETS (8387) or visiting their local VA health care facility.

Deer Hunting Vets - Free Magazine Offer

Whitetail Magazine Free for Vets

Week of January 13, 2014

Western Whitetail Magazine, the leading authority for Western  White-tailed deer hunting, is proud to offer all military members (past and present) a free subscription to their digital magazine. WTM covers whitetail deer hunting from Mexico to Canada and from the far Midwest to the Pacific Northwest. The free subscription offer is WTM's way of saying thank you for your service, which ensures the freedom all hunters enjoy. To subscribe, visit the White Tail Magazine website for more details.

Housing Market Heating Up - Check Out VA Home Loans

What does the VA Have To Offer Veterans

The VA helps Service members, Veterans, and eligible surviving spouses become homeowners. As part of their mission to serve, the VA provides home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.

VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.

Two things you must have to start the process are a copy of your DD-214 (discharge) and a COE (certificate of eligibility). You can apply online or contact your county Veteran Service Office for help.

For a certificate of eligibility go to:
 http://benefits.va.gov/HOMELOANS/purchaseco_certificate.asp 

For a copy of your discharge go to:

http://www.archives.gov/veterans/

Types of Loans

Purchase Loans help you purchase a home at a competitive interest rate often without requiring a down payment or private mortgage insurance. Cash Out Refinance loans allow you to take cash out of your home equity to take care of concerns like paying off debt, funding school, or making home improvements. Learn More

Interest Rate Reduction Refinance Loan (IRRRL): also called the Streamline Refinance Loan can help you obtain a lower interest rate by refinancing your existing VA loan. Learn More

Native American Direct Loan (NADL) Program: helps eligible Native American Veterans finance the purchase, construction, or improvement of homes on Federal Trust Land, or reduce the interest rate on a VA loan.Learn More

Adapted Housing Grants: help Veterans with a permanent and total service-connected disability purchase or build an adapted home or to modify an existing home to account for their disability. Learn More

Other Resources: many states offer resources to Veterans, including property tax reductions to certain Veterans. Check with your states Veteran Affairs Office.

Eligibility Requirements

The length of your service or service commitment and/or duty status may determine your eligibility for specific home loan benefits.

Purchase Loans and Cash-Out Refinance:VA-guaranteed loans are available for homes for your own personal occupancy. To be eligible, you must have a good credit score, sufficient income, a valid Certificate of Eligibility (COE), and meet certain service requirements. Learn More

Interest Rate Reduction Refinance Loan (IRRRL): The IRRRL is a "VA to VA" loan, meaning it can only be applied to refinance an existing VA loan. An IRRRL can be done only if you have already used your eligibility for a VA loan on the property you intend to refinance. Learn More

Native American Direct Loan (NADL) Program: The NADL program helps Native American Veterans purchase, construct, improve, or re-finance a home on Native American trust lands. Your tribal organization must participate in the VA direct loan program. You must have a valid Certificate of Eligibility (COE) and meet certain service requirements. Learn More

Adapted Housing Grants: VA helps Veterans with certain total and permanent disabilities related to your military service obtain suitable housing with either a Specially Adapted Housing (SAH) or Special Housing Adaptation (SHA) grant. 

How to Apply

Purchase Loan & Cash-Out Refinance: VA loans are obtained through a lender of your choice once you obtain a Certificate of Eligibility (COE). You can obtain a COE through eBenefits, by mail, and often through you lender. Learn More

Interest Rate Reduction Refinance Loan: A new Certificate of Eligibility (COE) is not required. You may take your Certificate of Eligibility to show the prior use of your entitlement or your lender may use our e-mail confirmation procedure in lieu of a certificate of eligibility. Learn More

Native American Direct Loan (NADL) Program: First, confirm that your tribal organization participates in the VA direct loan program. NADL loans are obtained through a lender of your choice once you obtain a Certificate of Eligibility (COE). You can obtain a COE through eBenefits, by mail, and often through you lender. Learn More

Adapted Housing Grants: You can apply for an SAH or SHA grant by either downloading and completing VA Form 26-4555 (PDF) and submitting it to your nearest Regional Loan Center, or completing the online application.Learn More

VA Health Care: Apply Now

VA Health Care Enrollment Process 

   Veterans are now eligible for a comprehensive health care package that is completely portable across the entire VA health care system. To receive health care, most veterans must be enrolled first.

   In 2009 federal regulations were changed to enable VA to enroll certain Priority Group 8 veterans who applied for enrollment and who may have been previously denied enrollment in the VA health care system because their income exceeded VA's income thresholds. These Veterans may now qualify if their household income does not exceed the current VA income thresholds by more than 10%. To see if you are eligible and to access a calculator to see how you stand against the income thresholds, visit www.va.gov/healtheligibility/Library/AnnualThresholds.asp.      If you have any enrollment or eligibility questions, you may call 1-877-222-VETS (8387).

Application Process

To apply for VA health care benefits, including enrollment you must fill out an application for enrollment, VA Form 10-10EZ. You may obtain this form by one of the following means:

• Online - Complete VA Form 10-10EZ, Application for Health Benefits.
• By Telephone - Call toll-free number at 877-222-VETS (8387)
• In Person - Complete the "Application for Health Benefits" at your local VA. Find a VA medical center.

The VA uses the 10-10EZ application to determine if you have qualifying service as a veteran and your status so you can be placed into one of the Enrollment Priority Groups.

Once enrolled you will remain enrolled without having to reapply for benefit annually. However, some veterans will need to update their financial information yearly to keep their enrollment priority current. VA will contact you when or if it is necessary to update their financial information.

The VA has a quick two-question form to help you determine your if you qualify for VA health care. Visit the VA Health Care Page to get started.

New Law Opens VA Health Care to Some Priority Group 8 Vets

   A recent change in the laws governing VA health care provides VA additional funding to allow expanded enrollment opportunity for certain Priority 8 Veterans who may have been previously denied enrollment in VA's health care system because their income exceeded VA's national and geographically-adjusted means test thresholds.

   The new regulations took effect on June 15, 2009 and enable the Department of Veterans Affairs (VA) to relax income restrictions on enrollment for health benefits. While this new provision does not remove consideration of income, it does increase income thresholds. You may be eligible for enrollment under this new provision, even if you have been denied coverage in the past.

   A Veteran applying for enrollment on or after June 15, 2009, who does not qualify for a higher priority group and whose income exceeds VA's national and geographically-adjusted means test threshold by 10% of less will be placed in Priority Group 8b (if the Veteran is non-compensable 0% service-connected) or 8d (if the Veteran is nonservice-connected) and enrolled in the VA health care system. This new financial threshold is referred to as the "Enrollment threshold."

Your Next Step:
If you applied after Jan. 1, 2009 simply wait for the VA to contact you after their re-evaluation period.

If you originally applied for VA health care prior to Jan. 1, 2009 you should visit the VA Health Care Calculator to determine if you are eligible under the new Priority Group 8 guidelines.

Complete and submit VA Form 10-10EZR, Health Benefits Renewal form to have your eligibility for health care enrollment reassessed against the new "Enrollment threshold."

If you need assistance contact VA's Health Resource Center at 1-877-222 VETS (8387); or visit the VA health eligibility website at www.va.gov/healtheligibility/.

Sgt. Maj. fired from USPS and told to be reinstated with back pay

Stars & Stripes  published a story that has been ongoing since 2000. Sgt. Maj. Richard Erickson, who was in the National Guard, was fired from the US Postal Service for taking a leave. The Stars & Strips follows.

Postal Service ordered to reinstate GI, potentially pay millions in back pay, fees

By Chris Carroll

Stars and Stripes

Published: January 3, 2014

Sgt. Maj. Richard Erickson, a Special Forces member wrongly fired by the U.S. Postal Service while on an operation in 2000, is entitled to reinstatement plus 13 years of lost pay and benefits, a federal board ruled Monday.

WASHINGTON — A federal board has again ordered the U.S. Postal Service to reinstate a National Guardsman wrongly fired from his job as a postal worker because he took military leave, telling the agency to pay him what could add up to millions in back pay, benefits and legal fees.

On Monday, the U.S. Merit Systems Protection Board, which rules on disputed federal personnel actions, reiterated that the decision in 2000 to fire Sgt. Maj. Richard Erickson, now 50, violated federal laws designed to protect troops’ civilian jobs.

The board made a similar ruling in 2012 and ordered the Postal Service to immediately reinstate Erickson, a decorated long-time Special Forces member, even if it planned to appeal. But the Postal Service appealed the ruling without reinstating Erickson.

On Monday, the board also declared that a Postal Service argument that Erickson was not entitled to back pay and benefits because he did not meet a deadline to request reemployment was invalid because he had already been wrongly fired.

According to the ruling, which the board described as its “final decision,” the Postal Service has 20 days to reinstate Erickson and 60 days to provide back pay since 2000, plus interest and benefits. The Postal Service must also report back to the Merit Systems Protection Board and describe how it has carried out the actions, the ruling said.

Erickson’s attorney, Matthew Estes of the law firm Tully Rinckey, said that his client hopes the ongoing battle with the Postal Service — which has included numerous rulings from the Merit System Protection Board as well as a federal court — is over.

“As far as we’re concerned, this is the end of the road and we’re finally done,” he said.

Estes said the law firm has not yet made a precise calculation of what Erickson is owed, but said that with more than a decade of back pay, lost benefits and attorney fees, it could exceed $2 million.

Postal Service spokeswoman Darlene Casey said Friday she could not comment on the ruling or how the Postal Service planned to react.

“It is inappropriate for us to comment at this time, as litigation is ongoing and appeals are possible,” Casey said.

Erickson, who served with the 3rd Special Forces Battalion, 20th Special Forces Group at the time of his firing, has been battling for reinstatement for years. He was hired in 1988 by the Postal Service and joined the National Guard in 1990, he said.

He missed several years of work because of military service, but never surpassed the five-year limit established by the Uniform Services Employment and Reemployment Rights Act. Nevertheless, the Postal Service argued he had abandoned his job.

Erickson, who is now active duty and works for U.S. Army Special Operations Command at Fort Bragg, N.C., was on an operation with the Special Forces when he received a letter informing him that he’d been fired.

“I thought it was a joke at first,” he said. “Here I am doing my call to duty — what I’m required to do because I’m in the military — and they fire me for it.”

He said he knows other soldiers who have illegally lost jobs because of the obligations of military service, and said he hopes Monday’s ruling encourages them to fight back. And he hopes it serves as a warning to employers not inclined to follow the law.

Erickson, who said he has been fortunate to have the Army to support his family after losing his post office job, isn’t sure he wants to go back to a civilian job working for the agency that threw him out of a job and worked to keep him gone even though he’s entitled to it.

“It’s a shame,” he said. “You go over there and fight the enemy, then you come back here and have to fight your employer for your job.”

Carroll.chris@stripes.com
Twitter: @ChrisCarroll_