In a sense, our active-service members and current student Veterans whom, by-in-large, had no
idea their State of residency for tuition purposes would invariably be the determining factor as to
whether they could afford, much less, attain the educational benefits promised to them - for the
sacrifices they made to protect our nation.
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People saddled with student debt are warming up to the government's
generous offer to cap their monthly loan payments to a percentage of their
earnings. Use of so-called income-driven plans has gone up 56 percent since
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Thursday.
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http://ekinsurance.com/personal/how-to-buy-long-term-care-insurance/
Statistics indicate that over half of all people over age 50 will require long-term care.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Easiest way to lower your student loan payments usflccdavid082silva
People saddled with student debt are warming up to the government's
generous offer to cap their monthly loan payments to a percentage of their
earnings. Use of so-called income-driven plans has gone up 56 percent since
last year, with 3.9 million borrowers enrolled, the Education Department said
Thursday.
Ohio Speaks is a new collaborative project of local and statewide health and human service organizations working to collect and highlight stories of struggle and hope. The stories will illustrate the value of human needs programs that support Ohio's most vulnerable children, families, seniors, and people with disabilities. Ohio Speaks will also put a human face on budget cuts and show the effect of budget cuts in our communities. The stories will be used in our advocacy and education work with lawmakers, the media and the public to highlight the impact of human needs programs.
http://ekinsurance.com/personal/how-to-buy-long-term-care-insurance/
Statistics indicate that over half of all people over age 50 will require long-term care.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
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This presentation will help you understand the strategies for patient enrollment & navigation and there by reduce the risk of caring for the uninsured.
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Objective:
Prepare a presentation or a paper using research, basic comparative analysis, data organization and application of economic information. You will make an informed assessment of an economic climate outside of the United States to accomplish an entertainment industry objective.
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SVAG - Testimony for HR 3483 "The Veterans Education Equity Act of 2011"
1. March 3, 2012
Distinguished committee members – My name is Sergeant Jason R. Thigpen of the U.S. Army
National Guard. I am the Co-Founder and President of the Student Veterans Advocacy Group.
Thank you for allowing me the opportunity to testify here today, on a bill we helped draft, HR
3483 – “The Veterans Education Equity Act of 2011”.
The Student Veterans Advocacy Group is an organization run by student Veterans, for student
Veterans and their dependents. Our mission is to ensure all Veterans, and/or their dependents, are
provided the full educational benefits intended and promised to them upon the completion of their
time-in-service, under conditions other than a dishonorable discharge.
The detrimental impact suffered by student Veterans across North Carolina, and approximately
40 other states, due to the change in federal law, the Post-9/11 Veterans Educational Assistance
Act of 2010 (Public Law 111-377) on January 4, 2011. As a direct result of this change in law
thousands of student Veterans, and prospective student Veterans alike, faced the never-before
issue of in-state residency for tuition purposes.
In a sense, our active-service members and current student Veterans whom, by-in-large, had no
idea their State of residency for tuition purposes would invariably be the determining factor as to
whether they could afford, much less, attain the educational benefits promised to them - for the
sacrifices they made to protect our nation.
One student Veteran emailed stating,
“After proudly serving my country for more time deployed than home with my family,
while losing friends in Iraq, and then moving my family to North Carolina for a better
tomorrow…it’s just not fair for my country to take the education benefits from me,
leaving me to have to move my family back to Washington and in with our family just so I
could afford to pay the $10,000 out of my pocket, for something promised to me of which
I sacrificed blood, sweat, and tears for. It’s just not right. This is not the kind of
principles I was taught from my time in service.”
As student Veterans attending UNC-Wilmington, as supporters for both our active-service
members and Veterans, and as disabled American Veteran – I was nearly brought to tears when
hearing another student Veteran say,
“I’m supposed to graduate in December 2012, and may not be able to now.”
Another student Veteran emailed stating,
“Had it not been for close friends and family, in the last few months, helping me out, I
would be living out of my car. I’m not quite sure how these sudden changes in the GI Bill
happened, but it’s not what I was promised when I signed up. It’s almost like being
tossed in the deep in of the pool with a ruck-sack full of boulders.”
2. I met with a student Veteran, also attending UNC-Wilmington, regarding this issue. He was
literally crying, preventing him from even speaking for nearly five minutes. I was so affected by
his pain tears came to my eyes. Three-quarters of the way into the semester he states,
“I may have to drop out of school by weeks-end…I received an email from the school’s
finance office that said I still have a balance of about $3,500 owed to the school, which
must be paid within one week in order to not be dropped by the school.”
According to Public Law 111-377, the Post-9/11 Veterans Educational Assistance Act of 2010,
“The Congressional Budget Office estimates a potential cost savings of $1 million over
the 2011-2015 period, and a savings of $734 million over the 2011-2020 period.”
From the inception of the GI Bill in the 1940s, nearly 8 million service members were
transformed from the educational benefits, never known before. There was nearly a 7-dollar yield
per 1-dollar investment into our Veterans, due to the GI Bill. Not only did the GI Bill allow the
military to become competitive with respect to many other jobs available nationwide, but it
created an advantage for service members to attain a college degree. This invariably lead to them
getting better grades, better jobs, owning more businesses, and thusly paying more taxes, leading
into one of the greatest investments, providing economic success for both a short and long-term
basis.
According to a working group comprised of UNC system officials named UNC SERVES, in their
April 2011 Report to the President:
“Veterans earn better grades and have a 75 percent graduation rate. With the
exception of white males, veterans in all other race and gender groups earn more money
than their non-veteran counterparts. Veterans start more small businesses. In general,
Veterans outperform non-Veterans.”
“To realize this potential our state must actively support military-affiliated students in
its systems of public higher education. We want these students to choose a UNC
education and we want them to live and work in North Carolina. The UNC SERVES
Working Group believes that educating service members yields a high return on
investment for North Carolina and the nation. And, in doing so the University makes a
significant down payment on the promise of UNC Tomorrow to be more demand-driven,
relevant and responsive to the needs of North Carolina.”
Additionally, one must consider the estimated economic impact on the state, expected to be
nearly $26.5 Billion in 2013. Setting aside the simple fact that the educational benefits were
promised, as in signing a promissory note, which is past due, Veterans just want to collect what
was promised to them. It stands to reason that when changing such key variables, which have
such a strong bearing on the economical prosperity of Our State and/or Nation’s economy - when
taking away Veterans educational benefits – the forecasted models previously used are no longer
valid. As a result, our nation has sacrificed the Billions of dollars, previously forecasted, for a
ten-year savings plan of about $734 Million.
The outcome of which - is many of our Veterans will no longer achieve their educational goals,
leaving more unemployed, whereby owning fewer businesses, directly resulting in an inverse
affect, contradicting the economic forecasts previously researched and offered, yielding a
3. negative return.
Without change, there is no savings of $734 Million, due to the detrimental affects, both societal
and economical alike, Our State and Nation will suffer.
We now have an opportunity to resolve this, without the worry of seeking the estimated $137
Million per year needed to fund this bill. By utilizing the following cost-saving measures with
respect to the current federal budget, we can more than fully fund this bill….we can save nearly
$175 Million more at a time our nation could use it.
1. Based on the 2010 figures of over 75.6 Million outpatient visits to VA medical treatment
facilities – reports of over-mailing, most likely due to a software printing error, of
medical appointment reminders with blank pages following the actual reminders being
mailed out to the patients, sometimes up to four per patient per month. Conservative
estimate of this occurring 1.5 times per outpatient visit yields a saving of: (Office of VA,
Veterans Health Administration)
75.6(# of outpatient visits in 2010) * 1.5(occurrences) = $113.4
Million * .75 (total cost estimate per mailing)
= $85.05 Million
2. Transportation of brokered claim files among VA Regional Offices – Which could easily
be done electronically from one centralized location saving:
= $740,000 (est. spent by VARO each year)
3. Overpayments of near $85 Million in transportation costs to VA Health Facilities, which
could be recaptured by offering competitive awarding bid contracts, at a savings of:
(Veterans Health Administration – Audit of Oversight Patient Transportation Contracts,
’10)
= $85 Million
4. By creating more competitive contract administration in the VHA’s Home Resp. Care
Program, the cost could be reduced substantially and prevent overpayment of nearly $17
Million, saving:
= $17 Million
5. Through more stringent oversight of the acquisition processes, all inclusive, of medical
equipment and supplies, there could be savings of:
= $ 41 Million
6. Through the utilization of better controls in clinical sharing agreements for both
monitoring and negotiated practices when using non-competitive of the same for
professional personnel, could save:
= $ 60 Million
7. Rather than making “market” purchases of heart-related items/replacements, using
national contracts through competition would yield a substantial savings of nearly:
= $ 22 Million
TOTAL POTENTIAL SAVINGS FOUND:
= $ 310.79 Million (per year)
TOTAL YEARLY OFFSET TO SIGNING OUR BILL, HR 3483 = $137 MILLION LEAVING
A DIFFERENCE REMAINING FOR OTHER VA PROGRAMS OF $ 173.79 MILLION.
4. Signing this bill into law would equalize education benefits for Veterans who attend public or
private institutions of higher learning. In addition, the bill would reduce or eliminate the financial
burden Veterans must pay out-of-pocket for their education. Currently, Veterans who enroll in
private institutions are eligible for more benefits than Veterans who enroll at public institutions,
including both community colleges and universities alike. This legislation would enable all
veterans, regardless of whether they choose to attend a public or private institution, to be eligible
to receive up to $17,500 in education benefits per academic year.
The result is a better future economical outlook and investment in our Nation, for now and
tomorrow. With your help and sponsorship of HR 3483 – “The Veterans Education Equity Act of
2011”….you have a true chance to be heroes for thousands of our student Veterans across this
great nation.
Thanks so much for your time and consideration.
Authored and advocated by:
Jason R. Thigpen
Co-Founder/President
Student Veterans Advocacy Group
Website: www.mysvag.org
Email: jasonthigpen@studentveteransadvocacygroup.org
Phone: (910) 392-5936