Tag Archives: transition

Here it comes: the big drawdown

Posted by Mike Grice on

It seems that every day brings news about the future of the military, and today was certainly no exception.  The Army, according to a Thomas Ricks’ post in Foreign Policy, is about to start separating officers from the service.  (Click here to read it)

There has been a lot of howling about how sequestration is causing the downfall of the military, and that the danger of a hollow force is only a manpower cuts away, but in all practical reality the end of the wars in Iraq and Afghanistan make a smaller military inevitable.  It happens after every major conflict; the US Army numbered under 400,000 active and national guard troops in 1939, but by the end of the Second World War it had swollen to over 8,000,000. At the start of the Korean War some five years later the army was down to 630,000.

One of the principal reasons that the drawdown in the near future is different from those from prior wars is the composition of the force.  There are no draftees in today’s military.  Each and every Soldier, Sailor, Airman, and Marine volunteered to serve his or her country, and as a result more of them are likely to want to stay in the military than their predecessors.  At the end of the First and Second World Wars the armed forces (which were filled with draftees and wartime volunteers) shrunk naturally as people headed back to the lives they interrupted to go to war.  The same can be said for Korea and Vietnam to certain extent, as draftees were critical to expanding the armed forces to the size needed to fight those wars.

Today, though, we have no draftees.  Instead, we have a highly trained force of military professionals who have dedicated themselves to a career in the military.  Sure, the majority of first term enlistees serve one hitch and get out, but a significantly larger percentage want to stay.

Therein lies the rub.  As the military inevitably shrinks, the number of job slots that military folks can fill will decrease.  For the enlisted component of the armed forces, the length and terms of the enlistment contract can be used to decrease the size of the force; the military branches can make it more restrictive and difficult to reenlist. It is an effective manpower shaping tool.

For officers, however, the rules are very different.  Generally speaking, junior officers (ensigns and lieutenants) serve an initial contracted period (during which they are considered “reserve” officers), which is very similar to the enlisted side.  If they want to stay in, however, instead of reenlisting they compete for transition to from “reserve” to “regular” status.  Once an officer becomes a regular, his contract disappears and his term of service becomes “indefinite”.  This means that they are in until they 1) retire 2) quit 3) fail to get promoted or 4) die.  There is no enlistment contract to use as a force shaping tool.

During stable periods this is no big deal.  The services have staffing models that pretty accurately predict the size that the force needs to be, and they can manage the number of officers based on the number they are allowed to have by law, natural attrition, and accession of new officers.  During unstable times, though, like right now as we finish up a couple of wars, the models come apart like a trailer in a tornado.

The military had to significantly change its shape and size to fight the protracted counterinsurgent wars.  Many more boots on the ground were needed, which means that privates and second lieutenants were getting hired at the rapid rate (meaning much were donning the uniform than usual), and as time went on they got promoted to become sergeants and captains.  Enough time, in fact, that many of the officers became regulars.

Now that becomes a problem.

The enlisted side can be shaped using enlistment contracts, but the regular officers are immune from that shaping tool.  Instead, to reduce the number of officers (which is necessary to retain the proper shape of the force) the branches must figure out a way to get them to leave.  There are a lot of programs that are used to entice officers to leave (early retirement, “getting out” bonuses, etc), but when those do not get enough officers to leave the axe comes out.

In the Marine Corps the axe is the Selected Early Retirement Board (SERB).  Colonels and Lieutenant Colonels who fit a particular set of conditions are considered for retention or retirement.  Even though they can, by law, serve until their service limitations of 30 and 28 years respectively, the Marine Corps does not need them around for that long.  If they are selected for early retirement by the SERB, then they have about seven months to transition out to retirement.  The reason that such senior officers are targeted in the Marine Corps is that by lopping off people at the top it frees those below them to move up.

The Army is apparently about to do the same thing, except for a much junior set of folks: captains and majors. From Ricks’ blog post (a portion of letter sent from a senior officer to his or her juniors):

“You may already know, but there are going to be Officer Separation Boards (OSB) and Enhanced Selective Early Retirement Boards (E-SERBs) for Army Competitive Category Captains in Year Groups 2006-2008 and Majors in Year Groups 1999-2003 beginning in March 2014.

Initial word is that the OSBs and E-SERBs will select less than 10% of the considered majors and captains in year group 2008 and less than 20% of the captains considered in year groups 2006 and 2007.

I am meeting with the officers in the battalion affected that are physically at Ft. [DELETED] to discuss their Professional Development and future officer actions and will provide them an assessment of their potential for future service and potential risk of being selected for involuntary separation, and will help prepare their files for the boards. Additionally they are contacting their HRC Branch Representatives for an assessment. I recommend you find a trusted senior officer to do the same.”

The writing is on the wall.  Despite the promise of an exciting career in uniform, many officers are going to get the axe.  Is it good?  Is it bad?  I dunno.  In the mafia, they say that “it’s just business”.  The military needs to shrink, and it is not sequestration’s fault.  How the shrinking is done, however, says a lot about the moral contract between the institution of the military and those who serve within it.

Food for thought.

Orders to Nowhere: The Book!

Posted by Mike Grice on

Coming soon!  The launch date is expected by be no later than November 10th, but hopefully sooner. I’ll post a note as soon as it goes live.

Written over the two years of navigating the often frustrating and always confusing waters of military transition, Orders to Nowhere is finally available in print!

Orders to Nowhere is the essential insider’s guide to military transition.  Demystifying the uncertainty and ambiguity that surrounds getting out of the military, Orders to Nowhere is the comprehensive After Action Report of a career Marine’s transition from the tightly knit military world back to civilianhood.

Tens of thousands of Soldiers, Sailors, Airmen, Marines, and Coast Guardsmen transition back into the civilian world each and every year. The change from life in uniform to life beyond the military is a significant emotional event for everyone who experiences it. Hanging up your uniform for the last time isn’t easy, and Orders to Nowhere was written to help explain the overwhelming process and make it easier for military members planning to get out, while they are in the midst of transition, or after they become veterans.

Mike Grice is an award winning writer, retired career Marine, and intrepid explorer of the military transition process.  Orders to Nowhere is the journal of his experiences , but it is also the story of every Soldier, Sailor, Airman, Marine, and Coast Guardsman who takes off the cloth of the nation and goes back to civilian life.  Written during the author’s adventure through the trials and tribulations of transition, Orders to Nowhere eases the pain by giving an inside look at the widely varied aspects of military to civilian transformation.  Things like:

 -making the decision to hang up the uniform
– telling your boss that you are getting out
– the administration and logistics of moving on
– the emotional roller coaster of transition 
– effects on family
– transition decorum and ceremonies 
– the details of military retirement benefits
– transition assistance classes
– dealing with the Veterans Administration
– VA disability claims
– the Post 9/11 GI Bill
– finding a job
– how to dress like a professional
– writing a resume and cover letter
– networking
– interviewing for a job
– salary and benefits negotiation 
– adjusting to civilian life
– and much, much more

The book contains over 160 lessons learned and recommendations that can help anyone going through the military to civilian transition avoid making costly mistakes.  The path back to “normal” life is anything but normal, and Orders to Nowhere is the traveler’s guide that every member of the military and veteran needs to ease the pain of the journey.

A must for every man and woman in uniform to help make transition as smooth as possible!

So the government “partially” shuts down. What does that mean to veterans and those still in uniform?

Posted by Mike Grice on

Well, it is October 1st and as Halloween decorations are going up the government is shutting down.  Partially, anyhow.  But what does a “partial” government shutdown mean to those steely eyed killers walking on patrol in Afghanistan and the not-so-steely eyed veterans who are now reliant on the VA for healthcare, disability payments, and/or pensions?

Great question!  In an effort to help provide some clarity in the murky waters that surround the shutdown I have done some sleuthing around to find some answers.  So, in no particular order, here are the things that I discovered:

1.  If you are serving in the military, then you have little to fear.  The congress passed a bill, which the president signed, that guaranteed paychecks for active duty and reserve status military personnel (along with some government employees and contractors).  For more information go here.

2.  If you are retired and receiving a military pension, then you can rest easy.  Since pensions are considered an entitlement and are not funded by annual appropriations they are safe from the shutdown.  If, however, the government hits the debt ceiling then they may be affected.  For more information go here.

3.  VA health care, pension, and disability payments.  There is good news and bad news regarding the VA.  The good news is that they are lightly impacted by furloughs and medical services will be unaffected, but the bad news is that they will likely run out of funds to pay all of their pension and disability payments if the shutdown lasts more than a few weeks.  Other programs, such as the GI Bill and others, will also be hit if the shutdown is prolonged.  For information on what is and is not impacted at the VA go here.  For information on the testimony that the VA provided congress about the impact of the shutdown (and how it will affect future payments) go here.

I hope this helps you get the information you need to understand the effect of the shutdown on you and your family.  Let’s just hope that the government of the nation that we swore to support and defend can get its act together and start moving forward again.

A quick way to determine your disability compensation amount

Posted by Mike Grice on

Determining how much your disability compensation amount should be is about as easy to figure out as a differential calculus equation.  After spending a considerable amount of time researching how disability percentages are determined and then what those percentages mean in terms of a disability check I was happy to find a much easier way to figure it out than the old fashioned way of plowing through tables and graphs.

The great guys at the Vietnam Veterans of America’s Arizona State Council have taken out all of the guesswork by creating a fantastic online calculator that will tell you just how much your disability check should be each month. Follow this link to their website — you will be pleasantly surprised at how easy it is to use.  The calculator uses your disability rating percentage, marital status, and number of children to ascertain what your monthly compensation amount should be.

In case you have multiple ratings (for example, a 10% rating for tinnitus and a 20% rating for back problems) you can use another nifty calculator to determine what your aggregate rating percentage is.  Follow this link to their website’s multiple rating calculator.

Give them a shot- you will find them to be very easy to use, and it will save you from the consternation that comes from trying to nug it out with a stubby pencil and a calculator…

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

Posted by Mike Grice on

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

Posted by Mike Grice on

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!

Posted by Mike Grice on

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?

Posted by Mike Grice on

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

Posted by Mike Grice on

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!

Posted by Mike Grice on

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!