Watch: 100 Percent Disabled Veteran Benefits
Hi Veterans, want to learn about some of the 100 percent VA disability benefits available to you right now?
Brian Reese here author of You Deserve It:The Definitive Guide to Getting the Veteran Benefits Youve Earned, and today, Im going to teach you the top benefits for veterans with a 100 percent VA rating, some of which youve probably never even heard of
Make sure you stay tuned in until the end of the video because Ive included another FREE bonus just for you!
***VIDEO TIMESTAMPS & LINKS***
01:04 Sometimes you have to take the leap!
09:55 Fellow Veterans: Get you butt to the doctor!
13:39 What is the standard of proof in a VA disability compensation claim?
15:15 Get a Medical Nexus Letter!
18:30 The VA Rater is looking for Frequency, Severity and Duration of symptoms over time!
21:35 VA Claims Insider FREE Resource Library
25:13 VA Disability Compensation Pay
29:30 FREE Healthcare and Prescription Medication
30:44 Property Tax Exemptions by State!
34:55 VA Total Disability Individual Unemployability
36:58 CHAMPVA Health Insurance
38:37 Commissary and Base Exchange Privileges
44:29 Free Space A Travel for 100% P& T Disabled Veterans
45:28 NEW! Disabled Veteran Student Loan Forgiveness Program
Spina Bifida Beneficiary What You Should Know
The Spina Bifida Health Care Program is a health benefit program administered by VA for Vietnam and certain Korean Veterans’ birth children who have been diagnosed with spina bifida . The program provides reimbursement for medical services and supplies.
Coverage under VAs spina bifida program means the beneficiary has satisfied the requirement to have health care coverage under the Affordable Care Act also known as ACA or health care reform. Nothing more needs to be done to avoid an individual IRS fee. Beneficiaries continue to enjoy health care coverage without having to pay enrollment fees, monthly premiums or deductibles.
For more information, visit VAs Spina Bifida website or call 1-888-820-1756.
Does The Va Provide Hearing Aids And Eyeglasses
Generally, the VA provides audiology and eye care services for all enrolled veterans. The VA does not provide hearing aids or eye glasses for normally occurring hearing or vision loss.
Hearing aids and eyeglasses are provided to the following veterans:35
- Veterans with any compensable service-connected disability.
- Veterans who are former prisoners of war .
- Veterans who were awarded a Purple Heart.
- Veterans receiving compensation for an injury, or an aggravation of an injury, that occurred as the result of VA treatment.
- Veterans in receipt of an increased pension based on being permanently housebound and in need of regular aid and attendance.
- Veterans with hearing or vision impairment resulting from diseases or the existence of another medical condition for which the veteran is receiving care or services from VA, or which resulted from treatment of that medical condition .
- Veterans with significant functional or cognitive impairment evidenced by deficiencies in the ability to perform activities of daily living.36
- Veterans who have hearing and/or vision impairment severe enough that it interferes with their ability to participate actively in their own medical treatment and to reduce the impact of dual sensory impairment .
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What Are The Priority Groups For Va
Enrollment Priority Groups. Veterans with VA-rated service-connected disabilities 50% or more disabling. Veterans with VA-rated service-connected disabilities 30% or 40% disabling. Veterans who are Former Prisoners of War Veterans who are receiving aid and attendance or housebound benefits from VA.
Do I Need Medicare If I Have Veterans Benefits
For veterans approaching Medicare eligibility, its common to have questions about whether Veterans Affairs benefits will work with this new health care coverage. The short answer is that Medicare doesnt coordinate with VA benefits. However, you can have both types of insurance at the same time and benefit from doing so. Below, well answer the most frequently asked questions about Medicare for veterans.
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Transitional Assistance Management Program
The Transitional Assistance Management Program is a short-term health care program that will give you and your family an additional 180 days of health care coverage after you separate from the military. The benefits are the same as active duty health care, and if you qualify, you and your family will receive DoD issued ID cards for access to health care on base.
TAMP is designed for military members and their families who are required to make a quick, and sometimes unexpected, exit from military service. Eligibility for TAMP depends on 2 factors: the reason you are separating from the military, and you must have an honorable discharge. Some qualifying reasons for separation include involuntary separation, stop-loss in support of a contingency operation, voluntary agreement to stay on active duty for less than one year in support of a contingency operation, receiving a sole survivorship discharge, and a few other select circumstances.
Involuntary Separation Guide This article and podcast is an in-depth guide covering many of the struggles facing servicemembers facing an involuntary separation. Highly recommended if you need additional information about what to expect and how to cope with this transition.
If you do not qualify for TAMP, you and your family members may still be eligible for Continued Health Care Benefit Program or some of the other healthcare options listed in this article.
Percent Va Disability Pay Rate
70 VA Disability Pay
In 2020, a 70 percent VA disability rating is worth aminimum of $1,426.17 per month and is tax free at both the state and federallevels.
The 70% VA rating is often the tipping point for a higherVA rating, especially as disabled veterans become aware of the additionalbenefits available at the 100% VA rating.
According to VBA data reported to congress, 9.4% of disabled veterans or 447,330 out of 4,743,108 currently have a 70 percent VA disability rating.
A comprehensive 2020 70% VA disability pay chart is shownhere for quick reference:
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Problems With Veterans Health Care
If you have a problem with your care provider, VA medical facility, or any other aspect of your care, you can:
If that doesn’t help, contact the patient advocate at your VA medical center or clinic. A patient advocate listens to veterans health care issues. The advocate will work with you to resolve the problem.
For more information, call .
Is Enrollment Different For Members Of The National Guard
When not activated to full-time federal service, members of the National Guard have limited eligibility for VA health care services.
Similar to regular active duty servicemembers, members of the National Guard may be eligible for enrollment in VA health care based on veteran status , service-connected disability,20 and income.
National Guard members achieve veteran status and are exempt from the 24-month minimum duty requirement if they were called to active duty by federal executive order, completed the term for which they were called, and were granted an other than dishonorable discharge.
National Guard members are not granted service-connection for any injury, heart attack, or stroke that occurs while performing duty ordered by a governor for state emergencies or activities.21
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Are Veterans’ Family Members Eligible For Va Health Care
Veterans’ family members are not eligible for enrollment in VA health care services. However, certain dependents and survivors may receive reimbursement from the VA for some medical expenses.
The Civilian Health and Medical Program of the Department of Veterans Affairs pays for health care services to dependents and survivors of certain veterans. It is primarily a fee-for-service program that provides reimbursement for most medical care that is provided by non-VA providers or facilities. On May 5, 2010, President Barack Obama signed into law the Caregivers and Veterans Omnibus Health Services Act of 2010 ” rel=”nofollow”> P.L. 111-163), which expanded the CHAMPVA program to include the primary family caregiver of an eligible veteran who has no other form of health insurance, including Medicare and Medicaid.26 Health care services provided include counseling, training, and mental health services for the primary family caregiver. For more information, see CRS Report RS22483, Health Care for Dependents and Survivors of Veterans, by Sidath Viranga Panangala.
Can A Veteran Get A Medicare Advantage Plan
Those who have both VA benefits and Parts A and B of Medicare have the option to replace the latter two with a Medicare Advantage plan. Private insurance companies offer these plans, and when you have one, the carrier pays instead of Medicare.
The monthly costs for Advantage plans are relatively low. Sometimes, Advantage plans come without premiums. So these plans arent a bad option for extra coverage when you already have VA benefits. In an emergency scenario where youd need care at a civilian facility, Advantage plans can help with costs, as they involve maximum out-of-pocket limits that Original Medicare doesnt include.
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Do Veterans Have To Pay For Their Care
Whether a veteran is required to pay for VA health care services depends primarily on whether the condition being treated is service-connected, and/or the veteran’s enrollment Priority Group.50
Veterans who are enrolled in the VA health care system do not pay any premiums however, some veterans are required to pay copayments for medical services and outpatient medications related to the treatment of a nonservice-connected condition.
Table 3 summarizes which Priority Groups are charged copayments for inpatient care, outpatient care, outpatient medication, and long-term care services. Only veterans in Priority Group 1 and veterans who are deemed catastrophically disabled by a VA provider are never charged a copayment, even for treatment of a nonservice-connected condition.51 For veterans in other priority groups, VHA currently has four types of nonservice-connected copayments for which veterans may be charged: outpatient, inpatient, extended care services, and medication. Veterans in all priority groups are not charged copayments for a number of outpatient services, including the following: publicly announced VA health fairs screenings and immunizations smoking and weight loss counseling telephone care laboratory services flat film radiology and electrocardiograms.
Table 3. Copayments for Health Care Services
Notes: “NO” means the veteran is not responsible for paying copayments. “YES” means the veteran may beliable for partial or full copayments.
Cost Of Retired Military Healthcare
Your healthcare costs as a retired military veteran depend on your status and your TRICARE health plan. To determine your cost, use the TRICARE Compare Costs Tool.
Using the tool and drop-down menus, select your plan, status, and when you enlisted or were appointed, in that order. Then click on the View Costs link. This will generate a chart showing costs, including enrollment fees, deductibles, copays, and more.
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How Tfl And Medicare Coordinate
If you have Medicare and TFL, Medicare is the primary insurer and TFL is the secondary insurer for services covered by both plans. For example, after a Medicare-covered doctors visit, Medicare would pay 80% of the Medicare-approved amount and TFL would pay the remaining 20%, up to its allowable charge.
If you have other supplemental health insurance in addition to Medicare and TFL, Medicare pays first, followed by your other insurance and then by TFL. For example, after a Medicare-covered doctors visit, Medicare would pay first and your other health insurance would pay second. If there was still a balance you wanted TFL to pay, you would need to file a claim with the TFL contractor online or by phone at 1-866-773-0404 or 1-866-773-0405 . Note: The TFL contractor covering California is Wisconsin Physicians Services, Inc.
For services covered by TFL but not Medicare , TFL is the primary payer and you are responsible for the TFL standard annual deductible and cost sharing, unless you have other health insurance.
For services covered by Medicare but not TFL, Medicare is the primary payer. If there is a balance after Medicare pays, you are responsible for it unless you have other supplemental health insurance. TFL will not cover any part of these services.
For services not covered by TFL or Medicare, you are responsible for the cost, unless you have health insurance that covers these services.
What Is Project Arch
Project ARCH is a five-year pilot program to evaluate how to improve access to health care for rural and highly rural veterans by providing these services closer to where they live through contractual agreements with non-VA medical providers.
The Project ARCH pilot provides a range of specified health care services to eligible veterans in Veterans Integrated Service Networks 1, 6, 15, 18, and 19. Eligibility for Project ARCH is based on statutory language. Specifically, eligible individuals include veterans who are enrolled in VA for health care services as of the date of the commencement of the pilot program and meet the statutory definition of “covered veterans.” Veterans may also participate in the pilot program if they are eligible to enroll under Section 1710 of Title 38 of the U.S.C. This includes Operation Enduring Freedom /Operation Iraqi Freedom veterans and veterans who served on active duty in a theater of combat operations or in combat against a hostile force during a period of hostilities after November 11, 1998.
Covered veterans are defined as those veterans residing in a pilot VISN:
- More than 60 minutes away from the nearest VA health care facility providing primary care services,
- More than 120 minutes away from the nearest VA health care facility providing acute hospital care, or
- More than 240 minutes away from the nearest VA health care facility providing tertiary care.
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Group And Individual Health Insurance
Health insurance in the US is usually broken down into two categories: group health care coverage and individual health care coverage.
A group health care plan is a health plan that is shared by a large group of people. These plans are often offered by employers as part of your benefits. Tricare is an example of a group health care plan.
An individual health care plan is just what they sound like a health care plan that is for an individual or an individual family and is not part of a larger group benefits plan. Many of these plans are part of the Affordable Care Act and can be found on Healthcare.gov, or a private website such as eHealthInsurance.com .
How to get a group health care plan: A general rule of thumb is that you will be able to get a group health insurance plan through an employer, trade group, or another large group. Some companies also offer health care benefits to part-time employees. Its always a good idea to find out if there is a waiting period before you are eligible for benefits.
There are pros and cons to both of these types of health care plans, and you can learn more about them here: Individual Health Insurance vs. Group Health Insurance.
What The Recruiter Never Told You About Medical Care
Medical and dental expenses and health insurance costs are a concern for many people, but what do you get if you join the military? If the recruiter promises free health care for life, it’s not the whole truth.
Up until the mid-1980s, recruiters touted the “free health care for life” benefits of military service. Your medical care was covered while on active duty and benefits extended into retirement. Any military retiree and their immediate family could get care at any military medical facility. That law hasn’t really changed. What has changed is the space availability of health care.
As a result of downsizing, there are fewer military hospitals in the United States than existed back then. Slowly, but steadily, military retirees, their families, and many active duty family members were forced to seek medical care off-base, with only partial reimbursement from a program called CHAMPUS . Those who could still receive care through the military medical facilities found that even urgent care appointments were taking a long time to obtain.
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Champva Beneficiary What You Should Know
The Civilian Health and Medical Program of the Department of Veterans Affairs , is a health care benefits program that provides coverage to the spouse or widow and to the dependent children of a qualifying Veteran or Servicemember who:
- is rated permanently and totally disabled due to a service-connected disability, or
- was rated permanently and totally disabled due to a service-connected condition at the time of death, or
- died of a service-connected disability, or
- died on active duty, and
- has dependents who are not eligible for Department of Defense TRICARE benefits.
In addition, primary caregivers of OEF/OIF Veterans may be eligible to receive CHAMPVA coverage if they are not already entitled to care or services under a health plan contract, including Medicare, Medicaid or workers compensation.
Under CHAMPVA, VA shares the cost of covered health care services and supplies with eligible beneficiaries.
Coverage under VAs CHAMPVA program means you already satisfy the requirement to have health care coverage under the Affordable Care Act, also known as ACA or health care reform. You dont need to do anything more to avoid an individual fee from the IRS. Beneficiaries continue to enjoy health care coverage without having to pay enrollment fees, monthly premiums or deductibles.
For more information, visit our CHAMPVA website or call 1-800-733-VETS Monday through Friday from 8 a.m. until 8 p.m. Eastern.
Will I Need To Pay For Any Of My Care Tests Or Medications
You may need to pay a fixed amount for some types of care, tests, and medications you receive from a VA health care provider or an approved community health care provider to treat conditions not related to your service. This is called a copay .
Whether or not youll need to pay copaysand how much youll paydepends on your disability rating, income level, military service record, and which of our 8 priority groups we assign you to when you enroll in VA health care. For example, if you have a service-connected condition that weve rated at 50% or more disabling or that weve determined makes you unable to work , or if youve received a Medal of Honor, well assign you to priority group 1 and you wont pay copays for any types of care, tests, or medications.
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