Finally settling your VA claim, part 2: what it means to your bank account

My VA claim was finally settled a month ago after about two years of waiting.  I know it was settled because the VA sent me a very nice letter saying that it was, and along with my final disability rating came a brief paragraph that indicated that I would be receiving a settlement check from both the Defense Finance and Accounting Service (DFAS) as well as the VA.  Intriguing, thought I.  What exactly did that mean, and more importantly for my bank account, how much money were we talking about?

The way that the system is supposed to work is that you receive any compensation related to your disability rating beginning the day after you leave the military.  That payment is supposed to come directly from the VA, and DFAS should have nothing to do with it.  Except for a couple of cases…

…like mine.

In my case, I received no VA compensation until my case was partially adjudicated some ten months after the claim was filed.  During that time I was receiving my full military pension.

On the tenth month of the life of my disability claim the VA made a partial determination in my case.  They rated me at a low level for a few conditions, but they needed to conduct more examinations to determine if I was eligible for a higher rating.  The bottom line was that now I was eligible to receive some compensation from the VA.

Great!

The devil is always in the details, however, and instead of receiving a check on top of my pension the military deducted the amount of my VA compensation from my pension.  The VA then did send me a check, but for the same amount that was deducted from my pension.  Pretty much a zero sum game, except that the VA compensation is tax free.  Here is an explanation of how it works from a previous post:

Let’s say that you receive a disability rating that results in a payment from the VA of $100.  That $100 is not added to your check for a total of $1600.  Instead, $100 of the $1500 that was paid by the Defense Finance and Accounting Service (DFAS) is now paid by the VA, so the total pension amount stays the same.  What changes is how the taxes are computed.

Now you have $1400 that is taxable, which results in a slightly lower tax bill.  Here is the math:

$1400 x 20% = $280 in taxes.

$1400 (from DFAS) + $100 (from the VA) = $1500 (which is your pension amount).

$1500 (pension + VA Disability) – $280 (taxes) = $1220.

Sooooo…..as a retiree you get an extra twenty bucks in your monthly check.  If you are not a retiree, however, you get the full $100.

In my case, I received the partial claim amount until my claim was settled a whole year later.  Now I became eligible for not only the full VA compensation amount, but also a check that amounts to all of the compensation that I would have been paid had my claim been settled the day I left active duty.  In other words, the VA would write me a check for the full amount of compensation I was eligible for, minus the money that I had already received.  Here is an example of how that works (following the previous example):

To keep things simple, I will use $100 as the partial claim compensation amount and $200 as the final compensation amount.  My claim took 22 months to complete, with a partial settlement issued at month ten.  The math looks like this:

Total amount of VA compensation that the veteran should receive in this case is computed by multiplying the number of months eligible times the final compensation amount, as follows: $200 x 22 = $4400.

The amount of VA compensation that the veteran has received to this point is computed by subtracting the number of months he or she received compensation from the total months eligible, and then multiplying that number by the partial settlement compensation amount, as follows:  22 – 10 = 12 months: 12 x $100 = $1200.

Now that we know how much the total amount of compensation the veteran is eligible for ($4400) and the amount of compensation that he or she has already received ($1000), we can determine the settlement amount from the VA by subtracting the amount received from the total amount:  $4400 – $1200 = $3200.

So the veteran will receive a tax free check for $3200.  Sweet!

But wait, there’s more…

For those veterans who are retired from the military, they are owed the same back pay as shown above, but in addition DFAS is required to pay back the taxes collected on the back pay.  For every month that you should have received a payment from the VA but didn’t, that amount was taxed.  Since VA compensation is tax free, you are due the taxes that you paid.  It is calculated as follows:

From the problem above, you are about to receive a check for $3200 from the VA.  DFAS has already deducted the taxes for the first $1200, but has not done so for the remaining $3200.  In effect, you have been paid that amount and been taxed on it, so DFAS needs to cut you a check for the taxes (assuming a 20% tax rate as used in the problem above): $3200 x 20% = $640.  Unfortunately, since you are retired and not simply out of the service you don’t get $3200.  You get $640.  Not as sweet, but still a nice chunk of change. 

But wait, there is still more!

In cases where your disability compensation rating is 50% or more, you are eligible for Concurrent Receipt of VA Compensation and Retired Pay through a program known as CRDP (Concurrent Retirement and Disability Pay — to learn more about the nuts and bolts of the program follow this link).  Concurrent receipt means that you receive checks from both DFAS and the VA, and that you are entitled to the full amount of eligibility from both.  Now the numbers are quite different when you calculate them using the numbers above:

Since you are eligible to receive both checks, you will receive your full settlement check from the VA as well as back pay for the pension amount that was deducted and replaced by the monthly VA claim amount, less taxes on that amount.  Sounds complicated, but it really isn’t. The math looks like this:  (Full VA settlement amount) $3200 + (Pension amount deducted and replaced by the VA) $1200 – (taxes on the pension amount deducted and replaced by the VA) $640 = $3760.

If your brain hurts, that’s ok.  The bottom line is that the DFAS and the VA are sending you a check that will cover the cost of whole lot of aspirin.

Patience

I just had lunch with a friend and colleague who is currently on terminal leave.  He has climbed out of the cockpit for the last time and now he is knee deep in the job hunt.

We had a great conversation about the highs and lows of transition, and it brought out one aspect of the journey from being a uniformed killer to a suit-wearing civilian: it takes time.  Lots and lots of time.  And, to reach a happy destination at the end of that journey, it requires patience.

Lots and lots of patience.

Patience to work through the Veterans Administration’s bureaucracy for things like the GI Bill, medical examinations, and the excruciatingly long disability claims process.

Patience to find out what you want to do with the rest of your life.  Once you take your uniform cap off for the last time something happens to your brain, and suddenly the things that you thought would be easy (like getting a sweet job, going back to college, moving back home) are dauntingly hard.

So this is a quick post on the importance of patience.  Even though the trials and tribulations of your transition are unique to you, there are tens of thousands of people just like you going through the same thing.  Those who are the most successful are those who are patient.

A smart person once said that with patience comes wisdom, and that person was right.  A certain way to be unhappy is to jump on the first job that comes your way, because it most likely is not what you really want to do.  Following the quick and easy path to a college or school with a dubious reputation will result in your GI Bill benefits being flushed down the proverbial toilet because once they are gone you can never get them back and use them at a more reputable university that takes a little work to get into.

Patience is a virtue, even though it is very painful at times.  So stick it out, hold to your goals and dreams, and keep moving towards them.  Don’t give up and take the easier path — you’ll regret it later.

Trust me.

The things you don’t expect: life out of uniform is not as easy as you might think!

This morning I literally ran into a friend of mine as I was out pounding the pavement on my daily jog.  He was returning from his morning run and I was just heading out on mine, so we stopped for a few minutes and catch up on things.

We chatted about this and that, and before long we were comparing life in uniform to life after you hang your uniform up.  In addition to the obvious differences, like being able to sleep late, grow your hair, and go for a run without wearing an obnoxiously annoying reflective belt, there are some that become apparent only when you need to get something done.

One of the tremendous strengths of the military is that many of the mundane, yet annoying, aspects of life are taken care of for you.  Things like food (which sits waiting for you to start eating at chowhalls on every base) and clothes (with uniforms being issued and a clothing allowance to help defray the cost to replace them) and administration (with clerks waiting to solve any problems you may have with your pay and allowances).  These things are taken care of so that warfighters can devote their time and efforts on the mission of preparing for and fighting our nation’s battles and winning our country’s wars.

Not so much in the civilian world.  Those things get done by one person.

You.

Although it may seem obvious that you will need to take care of all of these things (and more) yourself, it is not so simple.  What I was not really prepared for was the amount of time that I had to dedicate to taking care of all of those mundane little ankle biting tasks that civilians have been dealing with their whole lives.  Where before things like pay problems and meals seemed to take care of themselves I now found myself spending hours at the bank and the grocery store because otherwise my family and I would be broke and hungry.  Suddenly there was nobody around to deal with those things but me.

Civilians are used to it.  They cook their own meals because there are no chowhalls in suburbia.  They go shopping and buy their own clothes, which can be quite daunting when you consider that military folks have been wearing the same shoes and combat boots and dress uniforms for decades. When they have a problem with their paychecks or vacation days they get to go deal with it themselves because there is no First Sergeant or Sergeant Major or Chief Petty Officer hanging around the office to deal with such matters.

One of the things that comes with hanging up your uniform is freedom.  Freedom from people in different uniforms (or no uniforms at all) shooting at you as well as from people in your own uniform yelling at you and waking you up in the middle of the night.  With that freedom, however, comes responsibility for yourself in a way that has not been a critical part of your life since you first swore to support and defend the Constitution of the United States of America.

Now you have to do all of those little annoying ankle-biting things that everybody else in the civilian world does.  And let me tell you, it takes some getting used to because everything takes a lot longer than you think it should and there is nobody there to tell you the right or wrong way to do things.  Just like you once learned how to become a successful Soldier, Sailor, Airman, or Marine you must now learn how to become a successful civilian.

This time, though, you don’ t have a Drill Instructor “mentoring” you along.  You also don’t have a platoon of bald and nervous friends learning the ropes with you.  This time you get to figure it all out on your own.  But, all things considered, it isn’t bad.  It’s just a little surprising.

And really annoying.

Good luck!

So your VA disability claim is settled. Now what?

As I wrote a few weeks ago my VA disability claim was finally settled.  Suddenly, after nearly two years of pushing the rope up the hill, I found myself with one less windmill at which to tilt.

Although I can now put down my lance and put my trusty steed back in the barn, I still find the whole process to be pretty confusing.  In particular, figuring out just what being identified as a disabled veteran means in real terms — meaning just what impact does my rating have on a retiree’s bank account?

It turns out that if you have incurred an injury while serving in uniform, and that injury is determined to be disabling, then you are entitled to compensation from the Veterans Administration.  That compensation is paid directly to the veteran by the VA, which is nice.  It is also tax free, which is nicer.

But, as usual, things are not as simple as they seem.  Particularly for retirees who receive a pension for their 20+ years of service to the nation.  Like me.

In that case, any remuneration that you receive from the VA is offset by an equal deduction from your pension, with the only really difference in your retirement check being the portion from the VA that is tax free.  For example (and this example is in round numbers to keep things easy), if your pension is $1500 per month, you receive a check for $1500 minus any taxes (let’s say 20%, which is $300), or $1200.

Now, let’s say that you receive a disability rating that results in a payment from the VA of $100.  That $100 is not added to your check for a total of $1600.  Instead, $100 of the $1500 that was paid by the Defense Finance and Accounting Service (DFAS) is now paid by the VA, so the total pension amount stays the same.  What changes is how the taxes are computed.

Now you have $1400 that is taxable, which results in a slightly lower tax bill.  Here is the math:

$1400 x 20% = $280 in taxes.

$1400 (from DFAS) + $100 (from the VA) = $1500 (which is your pension amount).

$1500 (pension + VA Disability) – $280 (taxes) = $1220.

Sooooo…..as a retiree you get an extra twenty bucks in your monthly check.  If you are not a retiree, however, you get the full $100.

That seems really odd.  But wait, there’s more!

The reduction of your pension by the disability payment changes at the 50% disability threshold.  If you are rated as having a disability rating of 50% or more, then the bizarre math problem that we just performed goes away.  In that case, you receive your entire pension as well as the complete VA disability amount.

Sounds bizarre, eh?  I’m not making this stuff up!  Really!

It is known as Concurrent Receipt of VA Compensation and Retired Pay.  For a more in depth explanation of the math problems above, you can read all about how it all works by following this link.

For those of you who were wondering how pensions are affected by VA disability benefits, well, now you know.  For those of you to whom this does not apply, thanks for reading anyway!

Retired Veterans as a “Special Interest” group

As a uniform wearing member of the United States Armed Forces I viewed politics and the special interests that shape them as interesting, but largely irrelevant to my chosen profession.  By law and regulation I could not actively participate in politics; I could not wear my uniform to political events (not that I would have), and if I expressed any disdainful remarks about our elected officials I would have certainly followed in the flaming death spiral of General McChrystal after his disparaging remarks about the administration went public in that scion of popular culture: Rolling Stone magazine.

Once I hung my uniform up for the last time, however, those things that I found to be interesting and irrelevant became fascinating and important.  Suddenly, I was a member of a “Special Interest” group.  I became a retired veteran.

Suddenly, instead of taking what came my way with a smile or a shudder (depending on what it was) I could make some decisions and express my opinion about things and issues.  I could write this very blog and be critical of agencies and entities that I believe are not working in the best interest of veterans, and no commanding officer or general could haul me into his office and existentially threaten my career.

I am not a muckraker by nature, but I have no problem occasionally rocking the boat by writing about things and expressing my opinion about them.

That brings me to today’s post.  Earlier this week I received a newsletter that the Marine Corps mails out to all of us retirees. It contains lots of useful information, such as contact information for various offices and a checklist for my wife to follow when I die to make sure that all of the paperwork associated with my demise is properly completed.  It is a very factual and straightforward periodical.

The focus of this particular issue is TRICARE.  TRICARE, for those who are unfamiliar with the term,, is the medical care system for active duty and retired military members and their families.  The long and short of it is that active duty personnel and their families can receive medical care for free, but once you retire you are entitled to continue receiving care but you have to pay for it.

The cost of TRICARE is low in comparison to other plans, to be sure.  It is not a panacea, however.  It is a secondary or backup plan, so if you or your spouse has insurance through your job that plan comes first and TRICARE kicks in after that. You must submit co-pays for office visits and for prescriptions.  You must pick a doctor from an eligible list of providers.  It is a health care plan like most others, really, but not the golden egg as portrayed by the media.

TRICARE is insurance for vets and their families.  The VA provides healthcare for vets based on their service connected conditions, but does not provide services for their families.  So, if a veteran has a spouse and kids he or she needs to enroll in TRICARE to be covered.

In that manner it fit nicely with the Affordable Care Act that was passed in 2010.

In that manner, it was also viewed as a cash cow to subsidize others who did not have health care, with proposed fee hikes of 345% for some TRICARE members.

That, in my humble opinion, is exploiting a population of Americans who served their country, and as a result chose a career that was not as lucrative other pursuits.  A four star general, certainly equivalent to the CEO of a large corporation, makes a little over $200K per year.  How many CEOs of companys that employ thousands and tens of thousands of people make that little?  Scale it down the chain, with most officer making half that much but with the responsibility of leading hundreds and thousands of men and women in combat.  Is a 45 year old Wall Street hedge fund manager going to work for $90K a year and a pension of half that when he retires?  How about $50 or $60 or $70K per year that the majority of military members are making when they retire from service with half of that amount as a pension?

Nope.

Hence the low cost of TRICARE to the veterans and their families.  Military retirees pay an enormous opportunity cost in terms of lifetime earnings and employment possibilities to serve and defend their nation.  TRICARE is part of the remuneration package for those who have dedicated their adult lives to the service of their nation.

That brings me back to the newsletter I received in the mail the other day.  It discusses the proposed hikes in fees that TRICARE will face in the years ahead, and although I won’t personally see a 345% increase in my monthly bill, I will see it more than double.

Nice.  To all of those who complain that I pay to little and that my family and I are somehow getting over on everyone else because we pay low TRICARE premiums, I say that until you pick up a rifle and serve 20+ years in places where people are actively trying to kill you while your family waits at home in fear for your safety your opinion is both meaningless and insulting.  Decades of service in peace in war was the cost of membership in my “Special Interest” group, and if you aren’t a fellow member kindly shut your yap.

Anyhow, that is my opinion.

For what it’s worth.

Crossing the finish line – my VA disability claim is finally complete!

Well, it finally happened.  Nearly two years after beginning my VA disability claim process I learned today that my rating has been assigned and the case is closed.

Whew!

Looking back on the process, it has indeed been a long and occasionally painful ride.  Now that it is done, however, I think that the VA did a fair and objective evaluation of my various service related conditions.  It took much longer than I had expected, but now that it is finished I am pretty happy with the results.

So now what?

Although I am content with the results of my evaluation, I know that many veterans are not.  If my case was not settled to my satisfaction, I would pursue an appeal to have whatever condition that I felt was inadequately reviewed examined again. It is not at all uncommon for veterans to submit an appeal; in fact 60% of claims are “supplemental”, which is how appeals are classified.  Here are some interesting facts from the VA website about supplemental claims:

  • 60% of pending claims are supplemental, 40% are original.
  • 77% of Veterans filing supplemental claims are receiving some level of monetary benefit from VA.
  • 11% of Veterans filing supplemental claims already have a 100% disability rating (receive $2800 or more per month) or qualify for Individual Unemployability (compensated at the 100% disabled rate).
  • 40% of Veterans filing supplemental claims are already rated at 50% disability or higher.
  • 43% of supplemental claims are from Vietnam-era Veterans; 19% are from Veterans of Iraq and Afghanistan conflicts.

I am not personally going to appeal my decision, but for those who would like to do so here are a few pointers on how to start the process:

1.  Don’t even think about going it alone.  I have written extensively in earlier posts about the great work that Veteran Service Organizations (VSOs) perform to assist vets as they navigate the VA claims and appeals process.  I personally have consulted with the Disabled American Veterans (DAV), and they have been fantastic (and they don’t charge a dime to help, either!).  There are hundreds of VSOs to choose from, and to help you find one that best suits your needs you can consult the VSO-Directory_2012-2013, which is published by the VA on an annual basis.

2.  Recordkeeping is CRITICAL!  When you begin the appeal process you are in effect going back and starting the process all over again.  You will be filling out forms (with the help of your VSO!) that identify the condition that you are appealing and why, presenting evidence as to why you disagree with the determination (such as documentation that supports an injury, additional medical records from outside the military or VA system, etc.), and scheduling additional evaluation appointments with VA providers.  Just as you did with your original medical record, you will need to provide copies of all documents to the VA, and you are nuts if you don’t keep an organized file of originals for yourself.

3.  Be prepared to be very patient.  Just because your case has already been reviewed and completed by the VA it does not mean that your supplemental claim will move any faster than the original one.  Your appeal will have to go through the same wickets as your original claim did, and it will take just as long.  There is no “special” appeals pipeline.

4.  Do some research in order to fully understand why your ratings were determined in the manner that they were.  The VA does not compensate based on pain or inconvenience, but instead on the factors that contribute to a medically diagnose-able condition.  For example, your knee may hurt like crazy, and you may have injured it while jumping out of airplanes, but if a tangible medical condition (such as torn cartilage or joint damage) can be identified and documented you will be out of luck.  Follow this link to see the the details of how the VA determines how to rate medical conditions: Title 38: Pensions, Bonuses, and Veterans’ Relief  PART 4—SCHEDULE FOR RATING DISABILITIES .  It is a very informative and interesting read.

Good luck!

Nearing the end of the VA claims tunnel…

Well, the big day is nearly here.

Which big day, you ask?

Why, the day when my VA Disability claim finally gets decided.  That day!

You see, I have been going back and forth with the VA for over a year and a half now, and after a lot of trials and tribulations it looks like my case file may have reached the last step on the journey to adjudication.  It is now “Ready for Decision”, which means that all of the required examinations have been completed, all of the paperwork filled out, and all of the supporting documentary evidence has been gathered.

As I wrote a few posts ago, I had initiated another inquiry into the status of my claim because it had stalled after my last round of physical exams.  Today I received an email from the VA explaining just what was up with my case just as they promised.  The system works!  I asked for information and they provided it within the timeline that was promised.  Sweet!

From the email:

Your claim has been determined as Ready For Decision, and as such there is no further update pending. You will receive a notification letter and rating decision copy via US Mail once our decision is complete.

You have not received a rating decision because there is a back log of claims in the same status, and your claim is pending a review and determination by your rating specialists case manager.

Barring any determination by the rating specialists responsible for your claim that additional information may be needed, your next update will be your actual notification letter and rating decision. At this time we do not know the time frame for completion until your case manager begins the process of rating your claim; this will be accomplished in an order based on date of receipt, in fairness to all claimants.

• Please be advised that we do not provide estimates for completion, as there are a multitude of factors that impact the speed at which each claim is rated, making it impossible to estimate said date. 

We can appreciate your desire to have your claim rated; please know that we are working to accommodate your desire in conjunction with that of each and every other claimant seeking completion of their claim.

We appreciate your continued patience during the process, and will inform you of our decision as soon as it has been accomplished.

So, in a nutshell, my case is resting on desk of the team which will determine my disability rating.

All I have to do is wait.

I wonder how long this stage will take?

Leadership and Transition

I am in the middle of writing a series of articles and a book about transition, and about a month ago I created a survey about the military transition process to help gather information on the subject (and if you have not taken it, please do!  I can never get enough data points:  Military Transition Survey).  The survey revealed some very interesting data points, and one struck me as being particularly revealing about how those undergoing transition are viewed and treated by their organizations as they leave the service.

The question was: “How involved was your unit and/or unit leadership in your transition process?”

The answers ranged from “Very Low” to “Very High”.  See if you can guess where the bulk of respondents fell on the scale…

Well, a startlingly low percentage felt that their units were involved in their transition.  Only 8% felt that their unit and their leaders were highly or very highly involved.  For an institution that prides itself on being the gold standard of leadership that is a pretty dismal level of effort.

What is shocking is how poor the involvement was.  15% of respondents selected “Neither High nor Low” (which was the middle of the scale), but a whopping 76% stated that the involvement of their units and leadership was “Low” or “Very Low”.  Ouch!

Upon reading the results I had to think back to my personal experience with transition.  As a leader myself, I had always thought that I had taken care of those in my charge, including those who chose to hang up their uniforms.  After reflecting for a bit I realized that although I was very supportive of their efforts I certainly could have done a whole lot more.

I would sit down and talk with every Marine and Sailor who left my command.  The conversation that we would have varied depending on what was next for them as they departed the unit; if they were transferring to another duty station we would talk about what was in store for them and how it could impact their career and family, and if they were getting out we would have a discussion of where their lives were headed.  I would try to guide and mentor them towards pursuing an education by taking advantage of the GI Bill, and in cases where he had no interest in further education I would try to get them to at least formulate a plan for the way ahead.  After we spoke and shook hands we parted ways.

That was all well and good.  But I could, and should, have have been much more engaged.  As I learned during my transition there was a lot to do after I checked out of my unit, and I was pretty much completely on my own to get it done.  As a leader I should have gone the extra mile and actually followed their progress as they navigated the path of transition, but I didn’t.  I should have gone to the transition assistance classes to see what was being taught and how my Marines and Sailors were being treated, but I didn’t.  Shame on me.

As I discovered out during my own outprocessing there are a lot of bumps in the offramp from military service.  As I transitioned I found the process to be both difficult and annoying, and I was a senior officer with nearly three decades of experience.  If it was hard for me, how tough was it for a young man or woman who served only one tour?

The answer to that question is that it was a lot harder for them than it was for me.  Part of the reason that it was harder is because they were just cast upon the waters of transition without the guidance and oversight that they had experienced during their time in the military.

From the day that they met their recruiter to the day that they decided to leave the military each and every servicemember was under the guidance and tutelage of a concerned leader.  Recruiters prepared them for bootcamp, and their drill instructors molded them into Marines (or Sailors, or Soldiers, or Airmen).  They were trained by professional instructors in their military trades, and became valued parts of units and teams in the operating forces.  They became leaders in their own rights as they progressed up the ranks, and they were always under the wing of those who had been around longer than they had.

Unfortunately, when they decided to get out the concerned leadership of their units disappeared.  They (and I) were no longer valued members of the team, but instead guys and gals who were getting out.  To be fair, there certainly is a lot going on in the military these days with things like combat deployments, training exercises, and everything else that is part of the military experience.  That said, as leaders we failed to be there for the final chapter of military service for 76% of those who transitioned out of the military.

That is truly a shame, and something that should be addressed.  In my humble opinion, the most significant portion of the problem is how the TAP/TAMP and transition process is performed.  Those on the way out are centrally trained for transition, and the centralization of training removes the onus of oversight from the units that they came from.  They are out of sight and out of mind, and as such quickly become forgotten in the churn of daily military life.  The close bonds that they formed with their peers, subordinates, and seniors quickly fade during the time when they need them most: the incredibly stressful and uncertain transition from the all encompassing world that they knew to an ambiguous future in a world that they left years before.

Another telling statistic from the survey is how well the respondents felt that their transition process prepared them for re-entry into civilian life.  Sadly, on 12% felt that they were fully prepared for the jump.  That number should be much higher, and perhaps it would be if leaders were more involved in their people who are transitioning.

How many would have felt more prepared if their leaders had stayed as engaged with them during their last days in uniform as they were in the beginning?

An interesting idea from Stanley McChrystal

Stanley McChrystal, the former four star general in charge of the war in Afghanistan, wrote a very thought provoking  opinion piece in today’s Wall Street Journal.  He articulately argues that all Americans, not just those in the military, should serve the nation in some capacity.  With around 1% of the population in the military (which is an all-time low during wartime), there has arguably never been a time in our history when those who actively serve and civilian populations have been further apart.

McChrystal argues that national service, in which a young man or woman can make the choice in how to serve, would make the nation stronger and create a more robust and resilient citizenry.  He challenges the government, the private sector, and the American people to do something to collectively better the nation.

His piece presents an idea that would fundamentally change how our citizens participate in society, and it will certainly generate some controversy.  Even though it will certainly make many people uncomfortable, it is something worth thinking about; in particular is how he proposes that veterans could become an integral part of the program with his proposal that  “[r]eturning military veterans would be treated as the civic assets they are and permitted to use a portion of their GI Bill benefits to support a period of civilian national service, since such service helps them transition to life back home.”

I found his proposal to be very interesting.  I wonder how many boats his article will rock…

Here is a link to the article: Lincoln’s Call to Service – And Ours

The text, courtesy of the Wall Street Journal Online Edition (in case you are not a WSJ online subscriber), is below:

Lincoln’s Call to Service—and Ours

A proposal that would help young Americans understand that civic duty is not restricted to the military.

By STANLEY MCCHRYSTAL

My father first took me to Gettysburg when I was 12 years old. He was a lieutenant colonel in the Army, home from the first of two tours in Vietnam. I remember in particular the hundreds of obelisks poking over the berms, the oxidized plaques attached to rocks and the statues lining the roadways. All spoke for the thousands of men and boys who had died in the grass and dirt serving their nation.

I was young, but I recognized the gravity of the place.

Though I went on to have a career in the military, the visits to Gettysburg with my father were not preparation for soldiering as much as they were early lessons in citizenship—a particular understanding of citizenship that President Lincoln defined and challenged us to fulfill when he delivered his famous address there. It’s a citizenship that does not simply reflect upon the sacrifices of others, but that honors their sacrifice through action: “It is for us the living, rather, to be dedicated to the unfinished work which they who fought here have thus far so nobly advanced.”

Today, as ever, the task is unfinished. Yet the duties of citizenship have fallen from the national agenda. Talk of service is largely confined to buoyant commencement ceremonies. And too often it is just that: talk.

Less than 1% of Americans serve in the military—a historic low during wartime—leading to a broad, complacent assumption that serving the nation is someone else’s job. As we’ve allowed our understanding of service to be so narrowly limited to the uniform, we’ve forgotten Lincoln’s audience: With the armies still fighting, the president exhorted a crowd of civilians on their duty to carry forward the nation’s work.

It is right that we send off the young Americans graduating this month from high school, college and professional schools with speeches. They should be congratulated for completing the many exams now behind them. But we must remember another test—Lincoln’s test of citizenship—and begin to mark these important junctures in life not just with words, but with real-world commitment.

Universal national service should become a new American rite of passage. Here is a specific, realistic proposal that would create one million full-time civilian national-service positions for Americans ages 18-28 that would complement the active-duty military—and would change the current cultural expectation that service is only the duty of those in uniform.

At age 18, every young man and woman would receive information on various options for national service. Along with the five branches of the military, graduates would learn about new civilian service branches organized around urgent issues like education, health care and poverty. The positions within these branches would be offered through AmeriCorps as well as through certified nonprofits. Service would last at least a year.

Returning military veterans would be treated as the civic assets they are and permitted to use a portion of their GI Bill benefits to support a period of civilian national service, since such service helps them transition to life back home.

The new service opportunities would be created in accordance with the smart rules that have guided AmeriCorps since its founding in 1994, which allow that program to field tens of thousands of service members without displacing workers and who fill vital niches their paid colleagues do not.

Serving full-time for a year or two needs to be a realistic option for all young Americans, regardless of their family’s finances. So civilian service positions would be modestly paid, as AmeriCorps positions are now. (Most AmeriCorps service-members receive a $12,100 stipend for the year, and if they complete their term of service, a $5,550 scholarship to help cover tuition or to pay off student loans.) Government agencies focused on the challenges that these service-members address, as well as the corporations that will benefit from employing Americans whose leadership will be cultivated by service, should step up to fund these efforts.

Instead of making national service legally mandatory, corporations and universities, among other institutions, could be enlisted to make national service socially obligatory. Schools can adjust their acceptance policies and employers their hiring practices to benefit those who have served—and effectively penalize those who do not.

More than most Americans realize, the demand to serve already exists. In 2011, there were nearly 600,000 applications to AmeriCorps—a program with only 80,000 positions, only half of which are full time. The Peace Corps received 150,000 requests for applications but has funding for only 4,000 new positions each year. This gap represents democratic energy wasted and a generation of patriotism needlessly squandered.

Some, particularly after having just observed Memorial Day, might think that only war is capable of binding a generation and instilling true civic pride. But you don’t have to hear the hiss of bullets to develop a deeper claim to the nation. In my nearly four decades in the military, I saw young men and women learn the meaning and responsibilities of citizenship by wearing the uniform in times of both peace and war. They were required to work with people of different backgrounds, introduced to teamwork and discipline, unified by common tests, and brought even closer by sacrifice. Some discovered, often to their surprise, that they were leaders.

This transformation is not exclusive to the military. Those who disagree need only visit young teachers working 18-hour days together in the Ninth Ward of New Orleans. In rural Colorado health clinics, in California’s forests, or Midwest neighborhoods devastated by tornadoes, skeptics would see teams of young people—affluent and poor, college-educated and not—devoting their days to a singular, impactful mission.

Universal national service would surely face obstacles. But America is too big, and our challenges too expansive, for small ideas. To help stem the high-school dropout crisis, to conserve rivers and parks, to prepare for and respond to disasters, to fight poverty and, perhaps most important, to instill in all Americans a sense of civic duty, the nation needs all its young people to serve.

Whatever the details of a specific plan, the objective must be a cultural shift that makes service an expected rite of citizenship. Anything less fails Lincoln’s test.

Gen. McChrystal, a former commander of U.S. and international forces in Afghanistan and of the Joint Special Operations Command, is the chairman of the Leadership Council of the Franklin Project on national service at the Aspen Institute.

A version of this article appeared May 30, 2013, on page A15 in the U.S. edition of The Wall Street Journal, with the headline: Lincoln’s Call to Service—and Ours.

Thoughts about Memorial Day

Memorial Day marks many things: the unofficial start of summer, the exciting end of the school year, and for those who have been touched by war an opportunity to remember those who are no longer with us.

Across the nation, before the burgers and hotdogs hit the grill, tens of thousands of volunteers place tiny American flags and floral arrangements among the headstones and grave markers those who have gone before and in defense of all of us.  There are parades, speeches, and picnics in every town and city across the nation.  Veterans, both young and old, don their old uniforms and walk down boulevards with their medals glittering in the sun as the citizens for whom they fought look on.

Newspapers print pictures and stories of the fallen from wars present and past.  Television networks hold war movie marathons and radio hosts interview veterans and politicians and families of servicemen who are currently overseas.

Flags fly on every street.  People cheerfully greet the beginning of summer by celebrating in that uniquely American way of barbequeing and soaking up the sun in back yards and parks from Honolulu to the Hudson and everywhere in between.

It is a good day.

And it should be.

Memorial Day is the day when we all remember those who have bourne the cost of freedom, but it is more than that.  For me, and for so many others that have gone “over there” and come back again, the day is a celebration of the very purpose of military service.  Every holiday cookout and parade and picnic is made possible by the thousands of men and women who stand atop the metaphorical wall and keep the American way of life safe and free from tyranny.

I am often asked if Memorial Day should be more solemnly commemorated, and my answer is no.  It shouldn’t because the traditions of a free nation and the joyful celebration that begins the summer and ends the school year is the very reason that we chose to serve in the first place.

Memorial Day commemorates those who have paid the ultimate sacrifice to protect America.  It also a celebrates of what America is: families and friends together without fear of oppression or danger.  That is what we have all been fighting for since the colonies gained their independence from the British and became the United States of America, and we would have it no other way.

Happy Memorial Day!