VETERANS AND VETERANS FAMILIES

APPLYING FOR TRICARE

For those who serve, have served, and their families, receiving quality

health care is a necessity. They have sacrificed enough for this country,

and they deserve the best. TRICARE, a comprehensive health care

program operated by the Department of Defense (DoD), acts as a

protective umbrella for veterans and their families. TRICARE has a

wide range of coverage and ensures quality health care for veterans

and their families, wherever they might be. In the following context,

you will find out everything you need to know about TRICARE and

more, so keep reading.

TRICARE: Types of Plans

Here are the different types of plans offered by TRICARE.

TRICARE Prime- offers comprehensive coverage with a Primary

Healthcare Manager (PCM). You can choose a PCM after enrolling.

This plan features low or no copays, and access to military

hospitals and clinics.

TRICARE Extra- if you want to choose your healthcare provider

but with reduced out-of-pocket costs, Extra is the go-to TRICARE

plan. This plan requires no referrals for specialty care and provides

access to a network of providers with lower copays.

TRICARE Standard- if you want to choose any provider anywhere,

TRICARE.

Standard is the best plan for you. Although it charges higher copays,

it more than makes up for that with no referrals and no network

restrictions.

TRICARE for Life- a dedicated plan for Medicare-eligible veterans

and their families, TRICARE for Life offers no network restrictions

and supplemental coverage with low or no copays.

US Family Health Plan- this plan is a community-based health

care option for veterans living in designated areas. Family Health

Plan also offers access to civilian health care providers.

TRICARE: Eligibility Criteria

If you fall into one of the following categories, you are eligible for

TRICARE.

Active-duty & Retired military personnel

Veterans with duty-connected disabilities

Recipients of the Medal of Honor

Family members i.e. Spouses, Children, and other family members

Certain former spouses

TRICARE: How to Apply?

 Plan- choose one of the plans listed above that best meets your needs

requirements and satisfy your needs.

Gather Documents- gather the documents required to apply for TRICARE.

Military ID, SSN, birth certificate for family members, and marriage

certificate for spouses.

Enroll via Website- visit the TRICARE website online and enroll yourself

enrolled.

Fill in the Application- download and fill out the form DD Form 2876 from

the TRICARE website, and afterward, submit it via mail or fax.

TRICARE: Tips for Applying

Here are a few tips to help you with the TRICARE application process.

Update your information with the Defense Enrollment Eligibility

Reporting System (DEERS) to see if you are eligible.

When applying, review the plan you are choosing thoroughly and

understand its coverage and limitations.

If you are required to pay, pay premiums to maintain your coverage.

And lastly, take advantage of the preventive care services offered by

TRICARE.

Conclusion

TRICARE is a healthcare plan dedicated to veterans, present and retired,

and their families. If you are a veteran or a family member of a veteran,

you are eligible for TRICARE’s quality health care plans. Just choose one

of its plans, fill out the application form, and mail it or fax it to TRICARE.

If you want additional help, you can always contact TRICARE

representatives anytime via the website or phone. Please get a copy of

US Veterans GI Benefits
Benefits and Assistance for Veterans Widows
Benefits and Assistance for Veterans Dependents
Benefits and Assistance for seniors
Benefits from Medicaid, Medicare, and Social Security

CLICK NOW – ORDER YOUR COPY NOW: Benefits And Assistance For Veterans Widows And Seniors: A Guide To Everyday Assistance Paperback

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An Overview of Disability Resources

An Overview of Disability Resources

If you are disabled, you know it can be a challenge to find and understand the government

benefits available to you. Once you qualify as disabled by the U.S. Social Security

Administration (SSA) through their definition of disability, you can begin applying for

benefits to help you and your family.HEALTH CARE BENEFITS FOR THE DISABLE

Benefits.gov can connect you to information on government benefits you may be eligible for

and help you in your search. This article highlights healthcare benefits, disability insurance,

and where to find other resources on Benefits.gov. Let’s look!

The government offers Medicare and Medicaid as low-cost health coverage options for

eligible citizens.VETERAN AND VETERAN WIDOWS DEPENDENT BENEFITS

Medicare

Medicare offers free or low-cost medical benefits to people with disabilities, through three

parts that cover different services:

Medicare Part A: Hospital Insurance

Medicare Part A helps cover inpatient care in hospitals, including critical access hospitals

in rural areas, and skilled nursing facilities for temporary treatments. It does not cover

custodial care, which helps you with activities of daily living or long-term care. It also

helps cover hospice care and some home health care. You need to meet certain conditions to

get these benefits. Most people don’t pay a premium for Part A because they or a spouse

already paid for it through their payroll taxes while working.

Medicare Part B: Medical Insurance

Medicare Part B helps cover doctors’ services and outpatient care. It also covers other

medical services that Part A doesn’t cover, like some of the services from physical and

occupational therapists, and some home health care. Part B helps pay for these covered

services and supplies when they are medically necessary, like ambulance services and

medical equipment. Most people pay a monthly premium for Part B.

Medicare Part D: Prescription Drug Coverage

Medicare Part D is available to everyone with Medicare, not just those who are disabled.

To get Medicare prescription drug coverage, you’ll need to join a plan approved by

Medicare that offers Medicare drug coverage. Most people pay a monthly premium for Part

D coverage.

Medicaid

Medicaid is different than Medicare because it only offers health insurance to people under

65 with certain disabilities and any age with end-stage renal disease. Medicaid eligibility

criteria is different from state to state. Many states have expanded their Medicaid programs

to cover more low-income adults. If you are not sure if you qualify for Medicaid, you should

apply. You might be eligible depending on your household income, family size, age, disability,

and other factors. You can learn more about Medicaid in your state through Medicaid.gov.

You can learn more about applying for Medicare and Medicaid at CMS.gov.

Disability Insurance

SSA offers Social Security Disability Insurance (SSDI) to provide financial help to people who

become disabled after earning enough Social Security work credits within a certain time. To

be eligible, you must have a qualifying disability and have earned enough Social Security

work credits through your employment history. You can apply online as soon as you become

disabled.

SSA offers another program called the Ticket to Work Program, which is a free, voluntary program.

It helps people who receive Social Security disability benefits re-enter the workforce and become

financially independent, all while keeping their benefits. Ticket to Work connects you with free

employment services to help you decide if working is right for you, prepare for work, find a job, or

maintain success while you are working. You can learn more on the Ticket to Work site and find

resources that might be helpful to you.

Find more benefits

To learn more about disability benefits or other government benefits you may be eligible for,

take the Benefit Finder questionnaire. It can take between 10-30 minutes to finish, and all answers

are kept confidential. Once you have completed the questionnaire, you will receive a list of

government benefits you may be eligible for and where you can apply. Check out this video

to learn more about the Benefit Finder Questionnaire.

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Benefits for Senior Citizens

Veteran discounts available year round

Life can be easier for senior citizens. Below are just a few of the thoughts

come to mind when caring for oneself or an elderly senior citizen.

Wellness disabled handicap disability kitchen tools healthcare geriatric cooking

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WHY SHOULD A SENIOR CITIZEN JOIN AARP?????

As soon as I became eligible I join AARP and been a member ever since.

It is one the best organization to be a member of:

The American Association of Retired Persons officially changes its name to AARP, in

recognition of the fact that many members continue to work full or part time.

What does AARP really do for you?

Is an AARP Membership Worth It? Explore Membership Benefits

An AARP membership gives you a wide variety of carefully chosen discounts, information

and services, as well as an advocate for important issues like Medicare and Social

Security.

What is the age limit for AARP?

AARP Membership Age: How Old to Join AARP?

18 or older

What is AARP’s Membership Age Requirement to Join? AARP membership is open to anyone

18 or older. While AARP’s mission is dedicated to the needs of the 50+ population,

anyone can become an AARP member. Once you’re a member, you’ll gain access to hundreds

of discounts, programs and resources

What does AARP do for older adults?

AARP Foundation SCSEP (Senior Community Service Employment Program) offers unemployed

adults 55 and older work-based training and skill-building opportunities within a

variety of community service organizations and agencies.

What is the difference between disabled and handicapped?

As traditionally used, impairment refers to a problem with a structure or organ of

the body; disability is a functional limitation with regard to a particular activity;

and handicap refers to a disadvantage in filling a role in life relative to a peer group.

WELLNESS

Wellness is the act of practicing healthy habits on a daily basis to attain better

physical and mental health outcomes, so that instead of just surviving, you’re

thriving. To understand the significance of wellness, it’s important to understand

how it’s linked to health.

CAREGIVER

I spent over 20 years with a senior person in the household that needed caring

for. First I would like to compliment anyone whom have done the same and caregiver

whom do this daily.

What are the 8 definitions of wellness?

8 Dimensions of Well-Being | Health Education & Prevention …

Wellness comprises of eight mutually co-dependence dimensions: emotional, physical,

occupational, social, spiritual, intellectual, environmental, and financial. If any

one of these dimensions is neglected over time, it will adversely affect one’s

health, well-being, and quality of life.

What does disabled person mean?

An individual with a disability is defined by the ADA as a person who has a physical

or mental impairment that substantially limits one or more major life activities, a

person who has a history or record of such an impairment, or a person who is perceived

by others as having such an impairment.

There are numerous items that can be purchase at low prices to assist in the care of

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Does the VA pay for surviving spouse caregiver?

Whether you are a spouse, an adult child, a stepchild, a grandchild, or another relative

of a veteran, there are VA programs that can pay you as a caregiver. There are also

Medicaid programs that pay family caregivers. Check your eligibility for Medicaid or read

about Medicaid programs that pay family caregivers.

How do I apply for widow benefits?

You can apply for benefits by calling our national toll-free service at 1-800-772-1213

(TTY 1-800-325-0778) or visiting your local Social Security office. An appointment is

not required, but if you call ahead and schedule one, it may reduce the time you

spend waiting to apply.

A practical and revolutionary tableware solution for people with disabilities who have

difficulty eating due to the movement of the dinnerware.

The Freedom Dinnerware no slip Suction Pad is a patented vacuum system. When you place the Freedom Dinnerware non skid dishes with pad attached, on a flat surface and push down with slight pressure , it creates a suction system that holds the Freedom Dish in place and will not move if you bump it or hit it.

When a retired Veteran dies does the spouse receive benefits?

Military retired pay stops upon the death of the retiree. The Survivor Benefit

Plan allows a retiree to ensure, after death, a continuous lifetime annuity for their

dependents. The annuity, based on a percentage of retired pay, pays eligible

survivors an inflation-adjusted monthly income.

What benefits do 100 disabled veterans get as a spouse?

Spouses of disabled Veterans are eligible for health care benefits through the

Civilian Health and Medical Program (CHAMPVA). This program also allows for

reimbursement of certain costs, such as prescription medications, medical equipment,

nursing care, and more, as long as the Veteran and their spouse remain married.

How much is a VA widows pension?

The basic monthly rate of DIC is $1,340 for an eligible surviving spouse. The rate is

increased for each dependent child, and also if the surviving spouse is housebound or

in need of aid and attendance. VA also adds a transitional benefit of $332 to the

surviving spouse’s monthly DIC if there are children under age 18.

How long does a widow receive VA benefits?

If VA rated the Veteran permanently and totally disabled with an effective date of

three years from discharge, or if the Servicemember died on active duty, a spouse

will be eligible for benefits for 20 years from the effective date of the rating or date of death.

A VA Survivors Pension offers monthly payments to qualified surviving spouses and

unmarried dependent children of wartime Veterans who meet certain income and net

worth limits set by Congress.

Can a widow receive Social Security and VA benefits?

SSDI and VA disability compensations are not affected by each other, so you may be

eligible to receive both. However, you must apply for them separately. It may be

possible to also qualify for SSI, depending on income and resources.

How much does a military widow get?

If you’re the surviving spouse of a Veteran, your monthly rate would start at $1,612.75.

Then for each additional benefit you qualify for, you would add the amounts from the Added amounts table.

How much does a military widow get?

If you’re the surviving spouse of a Veteran, your monthly rate would start at $1,612.75.

Then for each additional benefit you qualify for, you would add the amounts from the Added

amounts table.

Do veterans widows get money?

A VA Survivors Pension offers monthly payments to qualified surviving spouses and unmarried

dependent children of wartime Veterans who meet certain income and net worth limits set by Congress.

Does a widow get her husband’s VA disability?

Unfortunately, your spouse cannot receive your VA disability compensation after you die. However,

they may get a monthly allowance if they qualify for Dependency and Indemnity Compensation.

If you lived in government housing, VA might also allow them to stay in residence for

up to a year.

Can I add my wife to my VA health benefits?

You can quickly and efficiently add your spouse or child to your compensation award by

following an easy, step by step process on www.ebenefits.va.gov. Filing online using

eBenefits gives you a faster, and in some cases, a same day response. That means your

payments can begin more quickly.

Find out how to apply for VA health care benefits as a Veteran or service member.

How do I prepare before I start my application?

• Find out if you’re eligible for VA health care benefits
• Gather the information listed below that you’ll need to fill out an Application for Health Benefits (VA Form 10-10EZ)

You’ll need this information:

• Social Security numbers for you, your spouse, and your qualified dependents
• Your military discharge papers (DD214 or other separation documents)
• Insurance card information for all insurance companies that cover you, including any coverage provided through a spouse or significant other. This includes Medicare, private insurance, or insurance from your employer. 
• Gross household income from the previous calendar year for you, your spouse, and your dependents. This includes income from a job and any other sources. Gross household income is your income before taxes and any other deductions.
• Your deductible expenses for the past year. These include certain health care and education costs.

Note: You don’t have to tell us

What are the basic requirements for a VA loan?

You meet the minimum active-duty service requirement if you served for:

• At least 24 continuous months, or.
• The full period (at least 181 days) for which you were called to active duty, or.
• At least 181 days if you were discharged for a hardship, or a reduction in force.

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How to get six-pack in 30 days?

Eat more protein-rich foods.

Protein is an important building block for muscles. To get a six pack in a month,

you’ll want to eat around 0.38-0.77 gram of protein per 1 pound (0.45 kg) of

bodyweight every day to help your abdominal muscles grow bigger and stronger.

some healthy, protein-rich foods you can eat are: Fish.

Include multiple crunches and plank variations in your routine.

5 to 10-minute jog.

3 sets of 12 repetitions each: standard crunches, overhead crunches, reverse crunches.

3 sets of 12 repetitions per side: bicycle crunches.

2 sets of 30 seconds: standard planks, extended planks.

2 sets of 30 seconds per side: side planks.

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How can I reduce my tummy in 7 days?

How to lose belly fat in seven days

Include aerobic exercises in your daily routine. If you want to burn fat fast

there is no getting around cardio training.

Reduce refined carbs.

Add fatty fish to your diet.

Start the day with a high protein breakfast.

Drink enough water.

Reduce your salt intake.

Consume soluble fiber.

What is the fastest way to build abs?

Some of the exercises to prioritize for strengthening the abdominals includes

crunches, planks, and bridges. These three are the most commonly used exercises,

and they are a good place for you to get started.

WHAT TO EAT TO GAIN MUSCLE MASS EFFECTIVELY

Lean meat. Animal products are usually a great source of protein, especially

lean meats like chicken and turkey

Eggs

Dairy products.

Fish

Whole grains

Beans and lentils

BUILD RESIDUAL AND PASSIVE INCOME TO RETIRE EARLY, TRAVEL AND PURCHASE A

NEW LUXURY CAR, NEW SUV, OR A NEW MINI VAN TO TRAVEL IN

Start A Business From Home

This article provides some free tips to help start your business at home.

Inside corporates there are many high paying jobs. Access to qualifications, lack

of time flexibility and time away from the family prevent many financial freedom

in this environment. When you work for someone else you always have to put the

needs of your company and your boss ahead of your own.

The question is how about those busy mothers, stay at home dads and those who

do not have the time.

This article provides some free tips to help start your business at home.

Inside corporates there are many high paying jobs. Access to qualifications, lack

of time flexibility and time away from the family prevent many  financial

freedom in this environment. When you work for someone else you always

have to put the needs of your company and your boss ahead of your own.

The question is how about those busy mothers, stay at home dads and those

who do not have the capability or the desire to work outside their home.

Are they be able to work and earn some extra money?

The answer is yes, but you need to consider what kind of home business you

want, how to get started, and what your target market is.

There are some basic issues that everyone encounters when starting a new

home business. Like deciding on what kind of business you can start up. For

instance you can decide to be the best writer, tax accountant, or web designer

in the market.

An other issue is how to get connected to the world market or even your local

markets, how could you market your product or service?

You should think these through to help avoid the barriers that may occur while

you are creating your home business. Here is a five point plan to get started

with internet marketing and to help you to market your products or services f

rom your own home.

1. Decide who your main customers are. As a group, how old are they? Where

do they live? How much money do they make? What kinds of jobs do they have

and what are their interests? The better you can understand customers, the better

you’ll fare in the next four steps.

2. What kinds of media do your main customers use?

Each type of media has its own target audience. Each radio station, newspaper,

magazine, or TV program tries to interest a specific segment of the population. The

trick is to match your main customers with the kinds of media they use. Remember

that media is not just TV and newspapers.

Effective media can be anything that conveys your message. Media choices range from

million dollar commercials, to a few free pens with your name on them. With this in

mind, the internet is one of the most powerful media you can use. The internet is also

a relatively low cost entry for your home business.

3. Focus on media you can afford to use consistently to promote your home business.

One of the keys to effective marketing is consistency. You have to hit the audience

with your message again, and again.

Many marketers use the Rule of Seven. Prospective customers must see or hear your

message seven times before they consider buying. Don’t spend your entire

marketing budget on a one-shot media blitz. Choose a less expensive type of media

that you can afford to use week after week.

Google Adwords may be a good place to start your home business advertising. Just

be sure to get a free eCourse to educate yourself on how to effectively use this type

of advertising before you invest your advertising dollars.STOP LIVING PAYCHECH TO PAYCHECK

4. Sell the main benefit of your product or service.

Focus on what is unique about your home business products or services. How does

your product or service improve your customer’s life? Talk to your customers from

their own perspective. Does your product or service save them time? Make them

richer? Make them more attractive?

Your marketing should drive home this most important benefit as clearly and directly

as possible. Customers want to know what’s in it for them. When you advertise the

features of your product or service, connect those features to the benefits.

5. Finally, remember to promote your business with the latest on-line marketing

tactics. Articles are very effective method to get the word out.

The Internet is available to everyone. It’s the only “big” media that allows the small

home business person to get their message out at very low cost. Bulletin boards

and newsgroups may appreciate helpful information that you provide. Most won’t

mind if you sign your name along with four to six lines about your business in

your bio line.

There you have it. We have covered a few steps to help ensure you get your home

business off to a great start. Keep them top of mind as you plan your home business.

These points are some of the keys to determine if your business will be a success

or failure.

One last small suggestion. Never stop looking for new ideas, a better delivery method

or a new angle on an old concept. Starting a business is one thing, keeping it going

requires and enquiring mind and the flexibility to keep up with an ever changing

marketplace.

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IDENTIFY THEFT – WAYS TO

SAFEGUARD YOUR CREDIT AND

PRIVATE INFORMATION

Identity theft happens when someone

obtains sensitive personal 

information, such as credit card data

or personal identification numbers to

commit fraud or other crimes. With so

many services anD products ARE moving

online, you may not remember every

store you’ve shopped at or the websites

you’ve signed in,to thieves and hackers

can strike anywhere and at any time.

 While no measures can guarantee

protection against identity theft,

there are ways you can take action to

safeguard your information and have a

strong line of defense.

Here are some tips stated by experts to

prevent identity theft:

Keep track of your paper trail

If you prefer checking your ATM, credit

card, or gas station receipts on paper,

then make sure you destroy them after

you’re done checking.

Shred credit card statements, salary

information, or documents that contain

private financial information often.

Safeguard your Social Security number

Avoid carrying your social security card

with you all the time, keep it in a secure

place. This is very secure information

that identity thieves target first as

it will give access to your credit report

AND BANK ACCOUNTS.

Watch your mail Stolen mail is one of the

easiest paths to steal an identity. Use a

locked mailbox or ask a trusted source

to fetch your mail held if you’re out of

town. USPS also informs delivery service

which can give you a preview of your

so you can tell if anything is missing.

Track your bank and credit card

statements.  Check your account

statements periodically to see if all

purchases and credits are valid.

If you recognize irregularities in

purchases if you didn’t make, contact

your bank and cancel your cards

immediately.

Also make sure you recognize the

merchants, locations, and purchases

listed. Be cautious when asked for

personal informationEven if you’ve

signed  up for phone banking,

ensure that you read through your bank’s

verification procedure and do not divulge

any unnecessary information.

If salespeople or sign-up sheets require

information such as Social

Security, driver’s license number, or any

personal identification, only reveal it if

necessary.

Lock down your hardware

Since we use devices so often throughout

 the day, set up a pass word protection

for your phone, laptop, tablet, and other

devices, Even if you trust the people at

home or work, there are threats of

break-ins putting your data at risk.

Downloading anti-malware apps and

software is also good to have as they can

prevent criminals from stealing your

data.

Social Media Safeguards Secure your social

media profiles (Facebook, Google, Dropbox,

Apple ID.

Microsoft, Twitter) with two-factor

authentication. That means that

whenever you log in, you’ll need a code

that the site sends to your mobile

phone along with your password to

enter. Although it may seem time-

consuming, it is better to be safe

than sorry.While social media is a great

tool for sharing things about your life,

the more you share, the easier it will

be for someone to get their hands on

your information. Keep your social media

profile as barren as possible and try

not to divulge your birth date, email

address, and phone number.