Student Veteran Benefits

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Student Veteran Benefits

  1. 1. Veteran BenefitsVeteran Benefits Understanding Your BenefitsUnderstanding Your Benefits Rodrigo GarciaRodrigo Garcia Midwest Regional DirectorMidwest Regional Director Student Veterans of AmericaStudent Veterans of America www.studentveterans.orgwww.studentveterans.org EE--Mail:Mail: rodrigo.garcia@studentveterans.orgrodrigo.garcia@studentveterans.org
  2. 2. DisclaimerDisclaimer The following information undertakes a systematic examination oThe following information undertakes a systematic examination of various benefits and their potential ability to help veteransf various benefits and their potential ability to help veterans and theirand their families. It does not guarantee or assure a particular future rfamilies. It does not guarantee or assure a particular future result. The opinions set forth by this study do not necessarily result. The opinions set forth by this study do not necessarily reflect thoseeflect those expressed by the Department of Veterans' Affairs, State of Illinexpressed by the Department of Veterans' Affairs, State of Illinois, or any affiliates , whether private or public, mentioned inois, or any affiliates , whether private or public, mentioned in thisthis presentation and they do not make any representation or warrantypresentation and they do not make any representation or warranty, express or implied, as to each benefit or any such information, express or implied, as to each benefit or any such information oror materials (or the results to be obtained by the use thereof) andmaterials (or the results to be obtained by the use thereof) and specifically disclaim any warranty of originality, accuracy, cospecifically disclaim any warranty of originality, accuracy, completeness,mpleteness, merchantability or fitness for a particular purpose. In additionmerchantability or fitness for a particular purpose. In addition, they do not warrant that the presentation or any such informat, they do not warrant that the presentation or any such information orion or materials will conform to any description thereof or be free ofmaterials will conform to any description thereof or be free of errors or omissions. The intellectual property contained in thiserrors or omissions. The intellectual property contained in this research isresearch is the property of their respective owners and any unauthorized dupthe property of their respective owners and any unauthorized duplication and reproduction is strictly prohibited. All research dlication and reproduction is strictly prohibited. All research data andata and information was cited under the Fair Use Copyright Act of 1976 ainformation was cited under the Fair Use Copyright Act of 1976 and is current as of 10/15/2008nd is current as of 10/15/2008 Student Veterans of America & YouStudent Veterans of America & You We will work to develop new student groups, coordinate between eWe will work to develop new student groups, coordinate between existing student groups, andxisting student groups, and advocate on behalf of student veterans at the local, state, andadvocate on behalf of student veterans at the local, state, and national level. We will providenational level. We will provide you with various resources and contacts for your student veteranyou with various resources and contacts for your student veteran groups to succeed. Suchgroups to succeed. Such resources can include: Contacts, Instituting Veteran Resource Ceresources can include: Contacts, Instituting Veteran Resource Centers, Implementing anters, Implementing a Veteran Community, Tailoring Orientation Services, Information HVeteran Community, Tailoring Orientation Services, Information Health & Education Benefits,ealth & Education Benefits, Home Loans, Employment, Scholarships, Liaisons at the Local, StaHome Loans, Employment, Scholarships, Liaisons at the Local, State and Federal levels, Ate and Federal levels, A huge network of individuals at your disposal to assist you natiohuge network of individuals at your disposal to assist you nationwide and Many Others at nonwide and Many Others at no cost to your student veterans on campus!!! Join the coalition atcost to your student veterans on campus!!! Join the coalition at: (: (www.studentveterans.org) I am pleased to have the veterans from across the Midwest as parI am pleased to have the veterans from across the Midwest as part of thet of the national coalition. If younational coalition. If you have any questions, please do not hesitate to contact us or chechave any questions, please do not hesitate to contact us or check out our websitek out our website (for morefor more information. We will continuously update it to reflect new benefinformation. We will continuously update it to reflect new benefits, information andits, information and scholarships among many others.scholarships among many others.
  3. 3. Health Care BenefitsHealth Care Benefits
  4. 4. Health Care (VA)Health Care (VA) Medical CoverageMedical Coverage VA provides a wide range of health care services to veterans inVA provides a wide range of health care services to veterans includingcluding treatment for sexual trauma and for conditions possibly relatedtreatment for sexual trauma and for conditions possibly related to exposure toto exposure to Agent Orange, ionizing radiation, and other environmental hazardAgent Orange, ionizing radiation, and other environmental hazards in thes in the Persian Gulf. Must be enrolled in the VA Health Care system to rPersian Gulf. Must be enrolled in the VA Health Care system to receive care.eceive care. Must qualify within a Priority GroupMust qualify within a Priority Group Based on service connectionBased on service connection Based on incomeBased on income Awarded a Purple Heart/POW statusAwarded a Purple Heart/POW status Theater of ConflictTheater of Conflict Dental CoverageDental Coverage Within 180 days of active duty discharge (one time treatment)Within 180 days of active duty discharge (one time treatment) ServiceService--connected dental injuryconnected dental injury 100% service100% service--connected, POW, or Vocational Rehabilitationconnected, POW, or Vocational Rehabilitation Priority Groups EnrollmentPriority Groups Enrollment VA Income ThresholdsVA Income Thresholds Geo Means Test (Go to p.16)Geo Means Test (Go to p.16)
  5. 5. Health Care (VA)Health Care (VA) Combat VeteransCombat Veterans VA will provide combat veterans free health care for any illnessVA will provide combat veterans free health care for any illness possiblypossibly associated with service against a hostile force in a war since tassociated with service against a hostile force in a war since the Gulf War orhe Gulf War or during a period of hostility after November 11, 1998.during a period of hostility after November 11, 1998. Time Limit: Five years from release from active dutyTime Limit: Five years from release from active duty No Dental Coverage (unless within 180 days of discharge)No Dental Coverage (unless within 180 days of discharge) Contact your local VA Medical CenterContact your local VA Medical Center Jesse Brown VAMC: 820 S.Jesse Brown VAMC: 820 S. DamenDamen –– Chicago, ILChicago, IL Edward Hines VAMC: 5Edward Hines VAMC: 5thth Ave & Roosevelt RoadAve & Roosevelt Road -- Hines, ILHines, IL North Chicago VAMC: 3001 S. Green Bay Rd.North Chicago VAMC: 3001 S. Green Bay Rd. –– North Chicago, ILNorth Chicago, IL More Info at:More Info at: http://www.va.gov/healtheligibility/eligibility/DetermineEligibihttp://www.va.gov/healtheligibility/eligibility/DetermineEligibility.asplity.asp
  6. 6. Health Care (IL)Health Care (IL) Illinois Vet CareIllinois Vet Care EligibilityEligibility Ages of 19 through 64Ages of 19 through 64 Have had no health insurance for at least six months. However, yHave had no health insurance for at least six months. However, you may stillou may still be eligible if your only insurance coverage in the last six montbe eligible if your only insurance coverage in the last six months:hs: Ended due to the loss of your employment or your spouse's employEnded due to the loss of your employment or your spouse's employmentment Ended due to the loss of Family Care or other state medical assiEnded due to the loss of Family Care or other state medical assistancestance Ended due to the lifeEnded due to the life--time benefit limit in your coveragetime benefit limit in your coverage Is through a spouse's plan that you are unable to accessIs through a spouse's plan that you are unable to access Is purchased through COBRA, orIs purchased through COBRA, or Is through post activeIs through post active--dutyduty TriCareTriCare coveragecoverage Not eligible for VA healthcare (must have VA denial letter)Not eligible for VA healthcare (must have VA denial letter) Not eligible for other state healthcare programs such as FamilyNot eligible for other state healthcare programs such as Family CareCare Not been dishonorably dischargedNot been dishonorably discharged Have served 180 consecutive days after trainingHave served 180 consecutive days after training Veterans with incomes in the approved income range (varies by coVeterans with incomes in the approved income range (varies by county andunty and household size)household size) Cook:Cook: 11--$3909 2$3909 2--$4559 3$4559 3--$5204$5204 44--$5850$5850 55--$6396$6396
  7. 7. Health Care (IL)Health Care (IL) Illinois Vet CareIllinois Vet Care Services covered include but not limited to:Services covered include but not limited to: Hospital careHospital care Doctor ServicesDoctor Services Care at clinicsCare at clinics XX--rays, laboratory testsrays, laboratory tests Emergency medical transportationEmergency medical transportation Dental CareDental Care Chiropractic servicesChiropractic services Audiology servicesAudiology services Mental Health ServicesMental Health Services Monthly PremiumsMonthly Premiums Between $40Between $40--$70 a month depending on income$70 a month depending on income CoCo--PaysPays Doctor visitsDoctor visits -- $15$15 Generic prescription drugsGeneric prescription drugs -- $6$6 Name brand prescription drugsName brand prescription drugs -- $14$14 Hospital emergency room visitsHospital emergency room visits --$50$50 Hospital admissionsHospital admissions -- $150$150 Hospital or Ambulatory OutHospital or Ambulatory Out--patient treatmentpatient treatment -- 10% of covered services10% of covered services Dental visitsDental visits --$15$15
  8. 8. Health Care (IL)Health Care (IL) Illinois Vet CareIllinois Vet Care http://http://www.illinoisveteranscare.comwww.illinoisveteranscare.com Call 1Call 1--800800--437437--9824 to locate your9824 to locate your nearest IDVA officenearest IDVA office Items to bringItems to bring DD 214DD 214 VA Denial LetterVA Denial Letter Proof of IncomeProof of Income IDID
  9. 9. EducationEducation
  10. 10. Education (VA)Education (VA) Montgomery GI BillMontgomery GI Bill 36 months of benefits36 months of benefits Use at accredited universities & collegesUse at accredited universities & colleges Benefit Payments based on enrollmentBenefit Payments based on enrollment FullFull--Time: $1321.00Time: $1321.00 ¾¾ --Time: $990.75Time: $990.75 ½½ -- Time: $660.50Time: $660.50 Payments effective August 1, 2008Payments effective August 1, 2008 TopTop--up program may add to your benefit (i.e. $150/month)up program may add to your benefit (i.e. $150/month) 10 year timeline10 year timeline May be used for institutional training, OJT, apprenticeship, andMay be used for institutional training, OJT, apprenticeship, and othersothers More info:More info: http://http://www.gibill.va.govwww.gibill.va.gov// Call 1Call 1--888888--GIGI--BILLBILL--11
  11. 11. Education (VA)Education (VA) The New GI Bill (Post 9/11)The New GI Bill (Post 9/11) You are entitled to a percentage as determined by your length ofYou are entitled to a percentage as determined by your length of serviceservice After 36 months: 100%)After 36 months: 100%) Benefits Include:Benefits Include: Full tuition and fees equal to the highest public institution (pFull tuition and fees equal to the highest public institution (paid to school)aid to school) Monthly Housing Allowance (E5 BAH w/ dependents) (paid to veteraMonthly Housing Allowance (E5 BAH w/ dependents) (paid to veteran)n) At half time or less and distance education schools are not eligAt half time or less and distance education schools are not eligibleible BAH based on schoolBAH based on school’’s zip codes zip code Yearly $1000 stipend for books and supplies (paid to veteran)Yearly $1000 stipend for books and supplies (paid to veteran) Payments effective August 1, 2009Payments effective August 1, 2009 Use at accredited universities & collegesUse at accredited universities & colleges 15 year timeline15 year timeline May be used for institutional training, OJT, apprenticeship, andMay be used for institutional training, OJT, apprenticeship, and othersothers More info:More info: http://http://www.gibill.va.govwww.gibill.va.gov// Call 1Call 1--888888--GIGI--BILLBILL--11
  12. 12. Education (VA)Education (VA) Vocational RehabilitationVocational Rehabilitation VA helps veterans with serviceVA helps veterans with service--connected disabilities prepare for, findconnected disabilities prepare for, find and keep suitable employment.and keep suitable employment. Job searchJob search Vocational evaluationVocational evaluation Career explorationCareer exploration Vocational trainingVocational training Education trainingEducation training Rehabilitation serviceRehabilitation service At least 20% serviceAt least 20% service--connectionconnection 10% if serious employment handicap10% if serious employment handicap 48 months; 12 years48 months; 12 years Provides monthly stipend between $500Provides monthly stipend between $500--$750$750 Based OnBased On CreditsCredits DependentsDependents More Info:More Info: http://http://www.vba.va.gov/bln/vrewww.vba.va.gov/bln/vre// 11--800800--827827--10001000
  13. 13. Education (VA)Education (VA) Work Study AllowanceWork Study Allowance Veterans who train at the threeVeterans who train at the three--quarter or fullquarter or full--time rate may be eligibletime rate may be eligible for a workfor a work--study program in which they work for VA and receive hourlystudy program in which they work for VA and receive hourly wages. The types of work allowed include:wages. The types of work allowed include: Outreach servicesOutreach services VA paperworkVA paperwork Work at national or state veteransWork at national or state veterans’’ cemeteriescemeteries Work at VA medical centers or state veteransWork at VA medical centers or state veterans’’ homeshomes Other VA approved activitiesOther VA approved activities State minimum wageState minimum wage (IL: $7.75/hr)(IL: $7.75/hr) Available at select locations where an opening existsAvailable at select locations where an opening exists More Info:More Info: 11--888888--GI BILL 1GI BILL 1 Call VA and affiliated locationsCall VA and affiliated locations VAMCVAMC VA ClinicsVA Clinics Vet CentersVet Centers IDVAIDVA VFWVFW ALAL
  14. 14. Education (IL)Education (IL) Illinois VeteranIllinois Veteran’’s Grants Grant 120 credits of state support120 credits of state support For use in stateFor use in state--supported colleges & universitiessupported colleges & universities Pays full tuition and applicable feesPays full tuition and applicable fees TuitionTuition Parking (if applicable)Parking (if applicable) Health Insurance (if applicable)Health Insurance (if applicable) Others mandatory feesOthers mandatory fees 12 credits per semester12 credits per semester Semester credit chargesSemester credit charges Refer toRefer to www.collegezone.comwww.collegezone.com for more informationfor more information Children of VeteranChildren of Veteran’’s Scholarships Scholarship University of Illinois at Champaign/Urbana, Chicago,University of Illinois at Champaign/Urbana, Chicago, Springfield or Global CampusSpringfield or Global Campus 1 per county per era (6 total per county)1 per county per era (6 total per county) Be accepted @ University of IllinoisBe accepted @ University of Illinois Available through their financial aid officeAvailable through their financial aid office Refer toRefer to www.collegezone.comwww.collegezone.com for more informationfor more information
  15. 15. Illinois ScholarshipsIllinois Scholarships First Responder Program at Benedictine UniversityFirst Responder Program at Benedictine University Veterans with service in Iraq or AfghanistanVeterans with service in Iraq or Afghanistan First Responder ProgramFirst Responder Program Firefighter, Police Officers, EMS Personnel, VeteransFirefighter, Police Officers, EMS Personnel, Veterans Provides free tuition forProvides free tuition for AssociateAssociate’’s degree in business administrations degree in business administration BachelorBachelor’’s degree in managements degree in management Provides half tuition for a MasterProvides half tuition for a Master’’s Degree in Business Administration or Public Healths Degree in Business Administration or Public Health Student responsible for books & feesStudent responsible for books & fees http://http://www.ben.edu/programs/first_responder/index.aspwww.ben.edu/programs/first_responder/index.asp MIA/POW ScholarshipMIA/POW Scholarship DependentsDependents POW, MIA, KIA, or 100% servicePOW, MIA, KIA, or 100% service--connectedconnected 120 educational credits120 educational credits StateState--supported institutionssupported institutions Full tuition and applicable feesFull tuition and applicable fees More Info:More Info: www.collegezone.comwww.collegezone.com IDVA local officeIDVA local office
  16. 16. Private ScholarshipsPrivate Scholarships Horatio Alger AssociationHoratio Alger Association OIF/OEF combat veteranOIF/OEF combat veteran Based on:Based on: ServiceService AcademicsAcademics Financial NeedFinancial Need More Info: https://https://www.horatioalger.com/scholarships_militarywww.horatioalger.com/scholarships_military// Heroes at Home Women Veterans' ScholarshipHeroes at Home Women Veterans' Scholarship Female VeteransFemale Veterans Helps female veterans reach their education goalsHelps female veterans reach their education goals More Info:More Info: http://www.royalneighbors.org/getdoc/1cd2eb9fhttp://www.royalneighbors.org/getdoc/1cd2eb9f--5cf05cf0--4f344f34--91479147--6094288cc039/RNA6094288cc039/RNA--Foundation.aspxFoundation.aspx Colonel Christie ScholarshipColonel Christie Scholarship Marine Corps veteransMarine Corps veterans Monthly stipend: $250Monthly stipend: $250 Undergraduate degreeUndergraduate degree More Info:More Info: http://http://www.christiememorial.orgwww.christiememorial.org//
  17. 17. Private ScholarshipsPrivate Scholarships Troops to TeachersTroops to Teachers Financial assistanceFinancial assistance CounselingCounseling Employment referralEmployment referral Restrictions applyRestrictions apply More Info:More Info: www.proudtoserveagain.comwww.proudtoserveagain.com Phone: 1Phone: 1--800800--231231--62426242 Lincoln Educational ServicesLincoln Educational Services Provide scholarships to attend LincolnProvide scholarships to attend Lincoln Reference AssistanceReference Assistance Networking with fellow veteransNetworking with fellow veterans More Info:More Info: www.hireahero.orgwww.hireahero.org VFW Military ScholarshipVFW Military Scholarship 2525 -- $3,000 Scholarships$3,000 Scholarships Discharged in previous 36 months prior to deadlineDischarged in previous 36 months prior to deadline More Info:More Info: http://http://www.vfw.org/index.cfm?fawww.vfw.org/index.cfm?fa==cmty.leveld&didcmty.leveld&did=3561=3561
  18. 18. Private ScholarshipsPrivate Scholarships AFCEA Educational FundAFCEA Educational Fund Various scholarships availableVarious scholarships available OEF/ OIF Scholarships AvailableOEF/ OIF Scholarships Available $2,500$2,500 Others available based on your major, total credit, and financiaOthers available based on your major, total credit, and financialsls More Info:More Info: http://http://www.afcea.orgwww.afcea.org/education/scholarships/military//education/scholarships/military/ The Fund for VeteranThe Fund for Veteran’’s Educations Education OEF/OIF veteranOEF/OIF veteran Based on academic and financial needBased on academic and financial need More Info:More Info: http://http://www.veteranseducationfund.orgwww.veteranseducationfund.org// Scholarships for VeteransScholarships for Veterans Various scholarships availableVarious scholarships available Search through various alternativesSearch through various alternatives More Info:More Info: http://http://www.scholarshipsforveterans.orgwww.scholarshipsforveterans.org//
  19. 19. Private ScholarshipsPrivate Scholarships VA Mortgage CenterVA Mortgage Center 5 $1,500 scholarships (every 6 months)5 $1,500 scholarships (every 6 months) Eligible students include:Eligible students include: Current and prospective ROTC program studentsCurrent and prospective ROTC program students ActiveActive--duty military personnel with plans to attend collegeduty military personnel with plans to attend college Honorably Discharged Veterans of the US militaryHonorably Discharged Veterans of the US military Sons and daughters of Veterans or ActiveSons and daughters of Veterans or Active--duty militaryduty military OEF/ OIFOEF/ OIF Scholarships AvailableScholarships Available Submit a 2Submit a 2--3 page essay in response to a prompt3 page essay in response to a prompt http://www.vamortgagecenter.com/scholarships.htmlhttp://www.vamortgagecenter.com/scholarships.html University of IllinoisUniversity of Illinois -- Cummins ScholarshipCummins Scholarship Awarded to fullAwarded to full--time undergraduate students who served or are currentlytime undergraduate students who served or are currently serving in a branch of the United States Military.serving in a branch of the United States Military. In addition, University of Illinois at UrbanaIn addition, University of Illinois at Urbana--Champaign undergraduate studentsChampaign undergraduate students whose mother or father was a member of the military and lost hiswhose mother or father was a member of the military and lost his or her life inor her life in service to their country are also eligible to apply for the schoservice to their country are also eligible to apply for the scholarship.larship. The priority deadline for the James F. Cummins, M.D. and MildredThe priority deadline for the James F. Cummins, M.D. and Mildred ShattuckShattuck Cummins Veterans Scholarship isCummins Veterans Scholarship is March 1, 2008March 1, 2008.. More Info:More Info: https://osfaweb1.ad.uiuc.edu/scholarshiphttps://osfaweb1.ad.uiuc.edu/scholarship--database/detail.aspx?id=1521database/detail.aspx?id=1521
  20. 20. Private ScholarshipsPrivate Scholarships AMVETS ScholarshipsAMVETS Scholarships Awarded on the basis of academic excellence and financial needAwarded on the basis of academic excellence and financial need The scholarships go to deserving high school seniors, high schooThe scholarships go to deserving high school seniors, high school JROTC students andl JROTC students and veterans pursuing a higher education. High school students mustveterans pursuing a higher education. High school students must be direct descendants ofbe direct descendants of veterans.veterans. AMVETS National Service FoundationAMVETS National Service Foundation Six $4,000Six $4,000 scholarships for high school seniorsscholarships for high school seniors Three $4,000Three $4,000 scholarships for veteransscholarships for veterans One $1,000One $1,000 scholarship for a JROTC high school seniorscholarship for a JROTC high school senior Dr. Aurelio M.Dr. Aurelio M. CaccomoCaccomo Family Foundation Memorial ScholarshipFamily Foundation Memorial Scholarship One $3,000One $3,000 scholarship for veterans/guardsman/reservistsscholarship for veterans/guardsman/reservists The scholarship is for veterans seeking new skills in order to bThe scholarship is for veterans seeking new skills in order to be moree more competitive in the job market.competitive in the job market. Scholarships for Specific SchoolsScholarships for Specific Schools Schools include the University of Phoenix,Schools include the University of Phoenix, DeVryDeVry University & Kaplan UniversityUniversity & Kaplan University Various scholarships available via the schoolVarious scholarships available via the school For more Info on each available scholarship, refer to:For more Info on each available scholarship, refer to: http://www.amvets.org/programs/programs_scholarships.htmlhttp://www.amvets.org/programs/programs_scholarships.html
  21. 21. Private Scholarships for FamiliesPrivate Scholarships for Families Air Force Association Spouse ScholarshipAir Force Association Spouse Scholarship Seeks to encourage Air Force spouses to attain a higher educatiSeeks to encourage Air Force spouses to attain a higher education degreeon degree $1,000 stipend$1,000 stipend More Info:More Info: http://http://www.afa.org/aef/default.asp?pmwww.afa.org/aef/default.asp?pm=e=e MilSpouseMilSpouse Various scholarships for military familiesVarious scholarships for military families More Info:More Info: http://http://www.milspouse.org/Educ/Fund/MilFScholarwww.milspouse.org/Educ/Fund/MilFScholar// Scholarships for Military ChildrenScholarships for Military Children Various scholarships for children of military families and someVarious scholarships for children of military families and some veteransveterans More Info:More Info: http://http://www.militaryscholar.orgwww.militaryscholar.org// Marine Corps Foundation ScholarshipMarine Corps Foundation Scholarship Available to sons and daughters of Marines (active and veterans)Available to sons and daughters of Marines (active and veterans) More Info:More Info: http://www.marinehttp://www.marine--scholars.orgscholars.org//
  22. 22. Private Scholarships for FamiliesPrivate Scholarships for Families Illinois AMVETSIllinois AMVETS Every year, AMVETS awards approximately fifty 1Every year, AMVETS awards approximately fifty 1--year $3,000 scholarships nonyear $3,000 scholarships non--renewablerenewable to Illinois High School Seniorsto Illinois High School Seniors Students must be high school seniorsStudents must be high school seniors Restrictions ApplyRestrictions Apply For more information, refer to:For more information, refer to: http://www.ilamvets.org/prog_scholarships_apps.cfmhttp://www.ilamvets.org/prog_scholarships_apps.cfm American Legion ScholarshipsAmerican Legion Scholarships 1.1. American Legion Legacy Scholarship FundAmerican Legion Legacy Scholarship Fund Scholarships vary from year to yearScholarships vary from year to year Applicants must be high school studentsApplicants must be high school students 2.2. Samsung American Legion Scholarship FundSamsung American Legion Scholarship Fund High School juniorsHigh School juniors Must be Direct descendantsMust be Direct descendants Various scholarships for military familiesVarious scholarships for military families 3.3. Other Scholarships AvailableOther Scholarships Available The American Legion National High School Oratorical ContestThe American Legion National High School Oratorical Contest Eagle Scout of the YearEagle Scout of the Year The Eight and Forty Lung and Respiratory Disease Nursing ScholarThe Eight and Forty Lung and Respiratory Disease Nursing Scholarship Fundship Fund More Info on each scholarship, please refer to:More Info on each scholarship, please refer to: http://www.legion.org/programs/resources/scholarshipshttp://www.legion.org/programs/resources/scholarships
  23. 23. Housing & Home LoansHousing & Home Loans
  24. 24. Home Loan (VA)Home Loan (VA) VA Home LoanVA Home Loan Veterans with qualifying service are eligible for VA home loanVeterans with qualifying service are eligible for VA home loan services including guaranteed loans for the purchase of a home,services including guaranteed loans for the purchase of a home, manufactured home, manufactured home and lot, certain typesmanufactured home, manufactured home and lot, certain types of condominiums, or to build, repair, and improved homesof condominiums, or to build, repair, and improved homes Buy or build a home.Buy or build a home. Buy a residential condominium.Buy a residential condominium. Buy a residential cooperative housing unit.Buy a residential cooperative housing unit. Repair, alter or improve a home.Repair, alter or improve a home. Refinance an existing home loan.Refinance an existing home loan. Buy a manufactured home with or without a lot.Buy a manufactured home with or without a lot. Buy and improve a manufactured home lot.Buy and improve a manufactured home lot. Install a solar heating or cooling system or other weatherizatioInstall a solar heating or cooling system or other weatherizationn improvements.improvements. Buy a home and install energyBuy a home and install energy--efficient improvements.efficient improvements.
  25. 25. Home Loan (VA)Home Loan (VA) • Total Home Purchase: $417,000 • No Time Limit • Service-connection exemption • Certificate of eligibility • More Info: ••http://http://www.homeloans.va.govwww.homeloans.va.gov// •1-800-827-1000
  26. 26. Home Loan (IL)Home Loan (IL) GI Loan for HeroesGI Loan for Heroes The Veterans' Program is designed for honorably discharged veterThe Veterans' Program is designed for honorably discharged veterans whoans who qualify under the income and purchase price limits of the IHDA Mqualify under the income and purchase price limits of the IHDA MRBRB Program. Participants will receive a substantially below marketProgram. Participants will receive a substantially below market rate financingrate financing package, closing cost assistance and homeownership counseling. Ipackage, closing cost assistance and homeownership counseling. Inn addition, under federal legislation passed in December 2006, Vetaddition, under federal legislation passed in December 2006, Veterans doerans do not have to be firstnot have to be first--time homebuyers to qualify.time homebuyers to qualify. Reserve & ActiveReserve & Active--Duty forces must be firstDuty forces must be first--time homebuyerstime homebuyers Features:Features: Below Market Rate for 1Below Market Rate for 1stst mortgage (50 basis points)mortgage (50 basis points) 0% Market Rate for 20% Market Rate for 2ndnd mortgage (Up to $40,000)mortgage (Up to $40,000) $2500 down payment assistance$2500 down payment assistance Homeowner's counselingHomeowner's counseling Requirements:Requirements: Good credit standingGood credit standing $1000 closing funds$1000 closing funds More Info:More Info: http://http://www.ihda.org/ViewPage.aspx?PageIDwww.ihda.org/ViewPage.aspx?PageID=231=231 Participating BanksParticipating Banks
  27. 27. Housing (IL)Housing (IL) Illinois VeteranIllinois Veteran’’ HomesHomes LocationsLocations MantenoManteno QuincyQuincy AnnaAnna LaSalleLaSalle EligibilityEligibility Wartime service given priorityWartime service given priority VeteransVeterans More Info:More Info: http://http://www.state.il.us/agency/dva/homeswww.state.il.us/agency/dva/homes// Phone: 312/814Phone: 312/814--24602460 IL Homeowners Homestead ExemptionIL Homeowners Homestead Exemption Returning veterans from active duty (1Returning veterans from active duty (1stst Year): $5000Year): $5000 7575--100% service connection: $5000100% service connection: $5000 5050--75% service connection: $250075% service connection: $2500 Apply: Your local county tax assessor's officeApply: Your local county tax assessor's office
  28. 28. Compensation & BonusesCompensation & Bonuses
  29. 29. VA CompensationVA Compensation VA CompensationVA Compensation VA pays a monthly compensation to veterans for disabilities incuVA pays a monthly compensation to veterans for disabilities incurred or aggravated duringrred or aggravated during military service. This benefit is not subject to federal or statmilitary service. This benefit is not subject to federal or state income tax. Entitlement ise income tax. Entitlement is established from the date of separation if the claim is filed wiestablished from the date of separation if the claim is filed within one year from separation.thin one year from separation. Military retirement pay is reduced by any VA compensation receivMilitary retirement pay is reduced by any VA compensation receiveded Income from Special Separations Benefits (SSI) & Voluntary SeparIncome from Special Separations Benefits (SSI) & Voluntary Separation Incentivesation Incentives (VSI) affect amount of VA compensation paid(VSI) affect amount of VA compensation paid Disabilities can range across a wide spectrum but can include, bDisabilities can range across a wide spectrum but can include, but not limited to:ut not limited to: Tinnitus, hearing lossTinnitus, hearing loss Joint ProblemsJoint Problems PTSDPTSD Traumatic Brain Injury (TBI)Traumatic Brain Injury (TBI) No Time Limit to fileNo Time Limit to file Lengthy processLengthy process Must establish military connection (medical records)Must establish military connection (medical records) Must be ongoing disability (medical records)Must be ongoing disability (medical records) There is a current VA backlogThere is a current VA backlog 30% or greater30% or greater Spouse & dependents qualify for additional compensationSpouse & dependents qualify for additional compensation
  30. 30. VA CompensationVA Compensation Benefit rangeBenefit range 10%:10%: $115$115 100% w/ spouse and 2 kids100% w/ spouse and 2 kids Approximately $2800Approximately $2800 Dental coverageDental coverage 10k VA Life Insurance10k VA Life Insurance ProcessProcess Initial ClaimInitial Claim AppealAppeal Board of AppealsBoard of Appeals More Info:More Info: www.va.govwww.va.gov 11--800800--827827--10001000 Local VA Regional OfficeLocal VA Regional Office Veterans Service OrganizationsVeterans Service Organizations •• IDVAIDVA •• VFWVFW •• American LegionAmerican Legion •• Vietnam VeteransVietnam Veterans •• American VeteransAmerican Veterans
  31. 31. IL Bonuses & BenefitsIL Bonuses & Benefits Wartime BonusesWartime Bonuses WWII: $10 (domestic) ; $15 (foreign) per monthWWII: $10 (domestic) ; $15 (foreign) per month Korea: $100Korea: $100 Vietnam: $100Vietnam: $100 Persian Gulf: $100Persian Gulf: $100 OEF/OIF: TBDOEF/OIF: TBD Honorable dischargeHonorable discharge Resided in IL 12 months prior/12months after dischargeResided in IL 12 months prior/12months after discharge Unemployment InsuranceUnemployment Insurance 6 month benefit6 month benefit Based on your activeBased on your active--duty payduty pay More info:More info: State Employment OfficeState Employment Office General Info:General Info: http://http://www.ides.state.il.uswww.ides.state.il.us To File Online:To File Online: https://ides1.cmcf.state.il.us/File4UI/Benefits/https://ides1.cmcf.state.il.us/File4UI/Benefits/
  32. 32. Burial BenefitsBurial Benefits
  33. 33. Burial Benefits (VA)Burial Benefits (VA) National CemeteryNational Cemetery Veteran & Spouse are eligibleVeteran & Spouse are eligible Free of ChargeFree of Charge Does not include funeral expensesDoes not include funeral expenses Military Funeral HonorsMilitary Funeral Honors At least one member will be from veteranAt least one member will be from veteran’’s branch of services branch of service U.S. FlagU.S. Flag Veterans receive a standard flagVeterans receive a standard flag ActiveActive--duty personnel receive an encased flagduty personnel receive an encased flag Presidential CertificatePresidential Certificate Available upon requestAvailable upon request If death is serviceIf death is service--connectedconnected $2,000 reimbursable by the VA$2,000 reimbursable by the VA $300 for burial/funeral$300 for burial/funeral $300 for plot$300 for plot More Info:More Info: 11--800800--827827--10001000 http://http://www.cem.va.govwww.cem.va.gov//
  34. 34. Burial Benefits (IL)Burial Benefits (IL) Cartage and Erections FeesCartage and Erections Fees When the federal government has furnished a headstone or marker,When the federal government has furnished a headstone or marker, the ILLINOISthe ILLINOIS DEPARTMENT OF VETERANS' AFFAIRS shall pay up to the allowable reDEPARTMENT OF VETERANS' AFFAIRS shall pay up to the allowable reimbursementimbursement amount for the setting of such marker within Illinois. Currentlyamount for the setting of such marker within Illinois. Currently, the maximum amount is, the maximum amount is $100.00 payable upon approval of the application.$100.00 payable upon approval of the application. More Info:More Info: http://http://www.state.il.us/agency/dva/benefits/burial.htmwww.state.il.us/agency/dva/benefits/burial.htm Local IDVA officeLocal IDVA office Indigent VeteransIndigent Veterans The county Veterans Assistance Commission shall provide burial fThe county Veterans Assistance Commission shall provide burial for any honorablyor any honorably discharged indigent veteran, or their mothers, fathers, spouse odischarged indigent veteran, or their mothers, fathers, spouse or surviving spouse, or minorr surviving spouse, or minor children without sufficient means to defray the funeral expenseschildren without sufficient means to defray the funeral expenses. The expense of such burial. The expense of such burial shall not exceed the sum of $600. Emergency food, transportationshall not exceed the sum of $600. Emergency food, transportation, etc. are provided in, etc. are provided in certain cases. Please contact your local county Veterans Assistacertain cases. Please contact your local county Veterans Assistance Commission for morence Commission for more information.information. More Info:More Info: http://http://www.state.il.us/agency/dva/benefits/burial.htmwww.state.il.us/agency/dva/benefits/burial.htm Local IDVA officeLocal IDVA office
  35. 35. Other BenefitsOther Benefits
  36. 36. Other Federal BenefitsOther Federal Benefits Life InsuranceLife Insurance VGLIVGLI Rates vary by coverage amountRates vary by coverage amount Eligible up to one year and 120 days after dischargeEligible up to one year and 120 days after discharge SDVISDVI ServiceService--connectedconnected $10,000$10,000 More Info:More Info: www.insurance.va.govwww.insurance.va.gov Disability PensionDisability Pension This income based benefit paid to veterans with honorable warThis income based benefit paid to veterans with honorable war--time service whotime service who are permanently and totally disabled due to non serviceare permanently and totally disabled due to non service--connected disabilities orconnected disabilities or who are 65 years or olderwho are 65 years or older More Info:More Info: www.va.govwww.va.gov 11--800800--827827--10001000 VeteranVeteran’’s Preferences Preference 10 point preference given to veterans upon federal hiring10 point preference given to veterans upon federal hiring Check with federal or state agencyCheck with federal or state agency
  37. 37. Other Federal BenefitsOther Federal Benefits DependentDependent’’s Indemnity Compensation (DIC)s Indemnity Compensation (DIC) Spouses & DependentsSpouses & Dependents Death must be serviceDeath must be service--connectedconnected Monetary benefitMonetary benefit Medical (Champ VA)Medical (Champ VA) Educational (Chapter 35)Educational (Chapter 35) More Info:More Info: http://http://www.vba.va.gov/benefit_facts/index.htmwww.vba.va.gov/benefit_facts/index.htm MedalsMedals Replacement (1 time)Replacement (1 time) No CostNo Cost More Info:More Info: http://www.archives.gov/veterans/militaryhttp://www.archives.gov/veterans/military--serviceservice--records/replacementrecords/replacement--medals.htmlmedals.html DD214 Correction/UpgradesDD214 Correction/Upgrades CorrectionsCorrections UpgradesUpgrades Must be Accompanied by statements/explanationsMust be Accompanied by statements/explanations More info:More info: http://www.archives.gov/veterans/militaryhttp://www.archives.gov/veterans/military--serviceservice--records/correctingrecords/correcting--records.htmlrecords.html
  38. 38. Other Federal BenefitsOther Federal Benefits Small BusinessSmall Business Patriot Express ProgramPatriot Express Program Guaranteed Loans by the VA/SBAGuaranteed Loans by the VA/SBA Federal contractsFederal contracts Business ResourcesBusiness Resources CounselingCounseling More Info:More Info: http://http://sba.gov/patriotexpress/index.htmlsba.gov/patriotexpress/index.html Naturalization PreferenceNaturalization Preference Immediate applicationImmediate application Priority statusPriority status More Info:More Info: http://http://www.uscis.govwww.uscis.gov//
  39. 39. Other IL BenefitsOther IL Benefits Benefits AssistanceBenefits Assistance Help veterans obtain VAHelp veterans obtain VA--administered benefits as well as state benefitsadministered benefits as well as state benefits More Info:More Info: IDVA local officeIDVA local office http://http://www.state.il.us/agency/dva/benefits/assistance.htmwww.state.il.us/agency/dva/benefits/assistance.htm Cook County Assistance Commission (varies by county)Cook County Assistance Commission (varies by county) Financial AssistanceFinancial Assistance Education & CommunicationEducation & Communication More Info:More Info: Cook County VACCook County VAC Phone: (708) 865Phone: (708) 865--65806580 LicensesLicenses Fishing LicenseFishing License 10% or greater service10% or greater service--connectionconnection Camping LicenseCamping License 100% service100% service--connectionconnection More Info:More Info: IDVA local officeIDVA local office http://http://www.state.il.us/agency/dva/benefits/permits.htmwww.state.il.us/agency/dva/benefits/permits.htm
  40. 40. Other IL BenefitsOther IL Benefits License PlatesLicense Plates Universal Veteran PlatesUniversal Veteran Plates Disabled veteransDisabled veterans Park for FreePark for Free Specialty PlatesSpecialty Plates Fee may applyFee may apply DD214 requiredDD214 required More Info:More Info: http://www.cyberdriveillinois.com/departments/vehicles/license_phttp://www.cyberdriveillinois.com/departments/vehicles/license_plate_guide/late_guide/ specialty_plates/military/home.htmlspecialty_plates/military/home.html Local Secretary of State officeLocal Secretary of State office Business Tax CreditBusiness Tax Credit Provides up to $600 income tax credit benefit for employerProvides up to $600 income tax credit benefit for employer Based on veteranBased on veteran’’s annual income (5%)s annual income (5%) More Info:More Info: http://http://www.ides.state.il.us/vets/foremployers.aspwww.ides.state.il.us/vets/foremployers.asp www.tax.illinois.govwww.tax.illinois.gov
  41. 41. Other IL BenefitsOther IL Benefits CTA Military Service Pass (MSP)CTA Military Service Pass (MSP) EligibilityEligibility ActiveActive--duty personnelduty personnel Actively drilling reserves/INGActively drilling reserves/ING Veterans with at least 10% service connected disabilityVeterans with at least 10% service connected disability Select locations to applySelect locations to apply VisitVisit www.transitchicago.comwww.transitchicago.com People with Disabilities Ride Free ActPeople with Disabilities Ride Free Act 100% service100% service--connectedconnected Fixed Route Transit SystemFixed Route Transit System CTA, PACE,CTA, PACE, MetraMetra VisitVisit www.illinois.govwww.illinois.gov/transit/transit Reserve Forces Economic Hardship ProgramReserve Forces Economic Hardship Program Keeps business afloat during activation including:Keeps business afloat during activation including: Low interest loan programLow interest loan program BelowBelow--market interest ratesmarket interest rates Eligible costs include employee hires, capital improvements & woEligible costs include employee hires, capital improvements & working capitalrking capital Other eligible resourcesOther eligible resources VisitVisit www.treasurer.il.govwww.treasurer.il.gov for additional detailsfor additional details
  42. 42. Other IL BenefitsOther IL Benefits VeteranVeteran’’s Legal Support Centers Legal Support Center John Marshall Law SchoolJohn Marshall Law School Addresses the legal need of veterans seeking their benefits fromAddresses the legal need of veterans seeking their benefits from thethe U.S. Department of Veterans Affairs (VA).U.S. Department of Veterans Affairs (VA). For More Info:For More Info: http://http://www.jmls.eduwww.jmls.edu// VeteranVeteran’’s Rights Projects Rights Project Legal Assistance Foundation of ChicagoLegal Assistance Foundation of Chicago Represents veterans and their dependents in pursuing disabilityRepresents veterans and their dependents in pursuing disability and pension claims, dealingand pension claims, dealing with consumer issues, upgrading discharges, and obtaining or keewith consumer issues, upgrading discharges, and obtaining or keeping employment orping employment or housinghousing For More Info, please Refer to:For More Info, please Refer to: http://www.lafchicago.org/content/view/77/103/http://www.lafchicago.org/content/view/77/103/ Veterans Legal Assistance ProgramVeterans Legal Assistance Program Southern Illinois UniversitySouthern Illinois University –– College of LawCollege of Law Provide legal assistance to area veterans who cannot afford or dProvide legal assistance to area veterans who cannot afford or do not have access to legalo not have access to legal representation in the appeals of claims for compensation for serrepresentation in the appeals of claims for compensation for servicevice--connected disabilities.connected disabilities. For More Info, please Refer to:For More Info, please Refer to: http://www.law.siu.edu/studentlife/VLAP%20pamphlet%20info.pdfhttp://www.law.siu.edu/studentlife/VLAP%20pamphlet%20info.pdf
  43. 43. Other IL BenefitsOther IL Benefits LIHEAP Energy AssistanceLIHEAP Energy Assistance (open to all household, not just veterans)(open to all household, not just veterans) Designed to help eligible lowDesigned to help eligible low--income households pay for winter energy servicesincome households pay for winter energy services More Info:More Info: http://http://www.liheapillinois.comwww.liheapillinois.com// Telephone: 800Telephone: 800--571571--2332 (LIHEAP)2332 (LIHEAP) LIHEAP GuidelinesLIHEAP Guidelines IL State FairIL State Fair Free entrance w/ Veterans ID card, Military ID, DD214Free entrance w/ Veterans ID card, Military ID, DD214 Annual eventAnnual event Springfield, ILSpringfield, IL IL Vet Cash grantsIL Vet Cash grants Provides veteran organizations with grants from the sale of lottProvides veteran organizations with grants from the sale of lottery ticketsery tickets Will award grants to fund additional services or conduct researcWill award grants to fund additional services or conduct research relating to veterans' Posth relating to veterans' Post Traumatic Stress Disorder, homelessness, health insurance costs,Traumatic Stress Disorder, homelessness, health insurance costs, long term care andlong term care and disability benefits.disability benefits.
  44. 44. Misc. BenefitsMisc. Benefits Brookfield ZooBrookfield Zoo ActiveActive--duty and reserve personnel (ID required)duty and reserve personnel (ID required) Military member onlyMilitary member only More Info:More Info: http://www.brookfieldzoo.org/content0.asp?PageID=111http://www.brookfieldzoo.org/content0.asp?PageID=111 Sea WorldSea World ActiveActive--duty and reserve personnel (ID required)duty and reserve personnel (ID required) Three dependentsThree dependents More Info:More Info: http://http://www.herosalute.com/cavatx/index.htmlwww.herosalute.com/cavatx/index.html USOUSO ConcertsConcerts Sports GamesSports Games More Info:More Info: www.uso.org/illinoiswww.uso.org/illinois MWRMWR Armed Forces Recreation CentersArmed Forces Recreation Centers Florida, Germany, Hawaii, KoreaFlorida, Germany, Hawaii, Korea EntertainmentEntertainment ITTITT More Info:More Info: www.armymwr.comwww.armymwr.com
  45. 45. Misc. BenefitsMisc. Benefits Tax ServicesTax Services –– Free!!!Free!!! Tax Counseling Project (TCP)Tax Counseling Project (TCP) (312) 409 6511(312) 409 6511 Tax Assistance Program (TAP)Tax Assistance Program (TAP) (312) 409(312) 409--15551555 Based on annual incomeBased on annual income USAAUSAA Financial servicesFinancial services InsuranceInsurance Competitive LoansCompetitive Loans More Info:More Info: www.usaa.comwww.usaa.com ***After 1996 discharge eligibility***After 1996 discharge eligibility Navy FCU/Pentagon FCUNavy FCU/Pentagon FCU Financial ServicesFinancial Services Competitive LoansCompetitive Loans More Info:More Info: www.navyfcu.orgwww.navyfcu.org www.penfed.orgwww.penfed.org
  46. 46. Concluding RemarksConcluding Remarks
  47. 47. Questions??? Rodrigo GarciaRodrigo Garcia Midwest Regional DirectorMidwest Regional Director Student Veterans of AmericaStudent Veterans of America rodrigo.garcia@studentveterans.orgrodrigo.garcia@studentveterans.org www.studentveterans.orgwww.studentveterans.org
  48. 48. YesterdayYesterday’’s Warriors Todays Warriors Today’’s Scholars Tomorrows Scholars Tomorrow’’s Leaderss Leaders

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