RESERVE COMPONENT (RC) - taapmo.com Component Preseparation Briefing... · The VMET document is available to all eligible Service members online. You should download your VMET as

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PRESEPARATION COUNSELING CHECKLIST

FOR

RESERVE COMPONENT (RC)

BRIEFING SCRIPT

JANUARY 2012

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10. Effects of a Career Change

Your military career has been both challenging and rewarding. Now you are ready for a new

career. Because you want to be confident the decisions you make about your future are the right

ones, you may experience stress or anxiety as a result of change, problems and even

opportunities. Stress is not an attitude. It is a physical response to a situation that, if ignored, can

lead to conflict, mental and physical exhaustion, or even serious illness. Some of the indicators

of stress are constant fatigue, headaches, trouble sleeping or sleeping too much, stomach

problems, feeling nervous and a desire to be alone. If you find you just can’t seem to move

forward, consider seeking assistance to help you. Now is a good time to begin to think about the

changes that lie ahead and plan for dealing with stress before it becomes a reality. There are

many professionals available for you to speak with and many agencies exist to help you with

your transition and the stress you may experience. There also are agencies off the installation that

can help. These centers are staffed with professionals experienced and trained in providing

mental health and readjustment counseling to veterans. Another useful resource is Military

OneSource. Military OneSource counselors provide information on a wide range of topics

relevant to you and your family. Military and Veterans Service Organizations are good resources

for assistance and guidance. Veteran Service Organizations provide advocacy, education and

other support needs for the unique issues facing veterans. Also check into your local

community’s social service agencies, support groups and self-help books. You can search online

for these agencies and resources in your area.

If you think you need more assistance or information regarding the effects of a career change,

select “yes”.

If not, select “no”.

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11a. U.S. Department of Labor (DOL) sponsored Transition Assistance Employment

Workshops and Service sponsored Transition workshops/seminars

The time you invest before you separate from military service will pay dividends when you are

ready to seek another career. The TAP Employment Workshop gives you your spouse a first-

hand look at what to expect after military service and will ease your transition to civilian life.

The workshop provides valuable training and information on various job search techniques, labor

market information, resume and interview skills and much more. It also will help with individual

transition planning, employment assistance, small business information, priority of service for

veterans in DOL programs and many other services. Studies have indicated that people who

attend TAP Employment Workshops gain an edge over other applicants and find employment

sooner than those who do not participate. The TAP Employment Workshop is available on

military installations. You can schedule a workshop with ACAP, either online at

www.acap.army.mil or with an ACAP Center. If you cannot attend a workshop prior to

separation, you can access the services after separation or attend career workshops at the State

Employment Offices or One-Stop Centers.

If you would like to attend a workshop, select “yes”.

If you do not want to attend a workshop, select “no”.

11b. Verification of Military Experience and Training (VMET), DD Form 2586

The VMET document is not an official transcript; however, it can help you translate military

terminology and training into civilian terms and establish your capabilities with prospective

employers. Your VMET document, which is created from automated personnel records, can

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verify your military experience and training and is useful when discussing civilian occupations

related to your military service. It will help as you write resumes, interview for jobs, negotiate

credits at schools or obtain licenses and certificates. It also can be beneficial if you apply to a

college or vocational institute. The VMET document is available to all eligible Service members

online. You should download your VMET as soon as you decide to leave the Service or at least

120 days before your separation date.

If you want more information on VMET, select “yes”.


11c. Civilian Occupations Corresponding to Military Occupations/ONET

O*NET is the nation's primary source of occupational information. The O*NET database

contains information on hundreds of different occupations and describes job functions. O*NET

tells you what tools are used in specific jobs; explains the knowledge, skills and abilities required

for the position; and the type of training and education required. O*NET also contains Career

Exploration Tools and a set of valuable assessment instruments for workers and students looking

to find or change careers. It offers an ability, interest and work importance profiler. O*NET

identifies industry standard keywords you can use when writing your resume. The database is

available to you at no cost and is continually updated. O*NET has a section entitled “My Next

Move” that is useful for researching potential occupations. At this site, you can browse careers,

search for careers by keywords and even find careers you never imagined.

If you want to learn more about O*NET, select “yes”.


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11c(1). Licensing, Certifications and Apprenticeship Information

Some federal, state or local laws may require specific credentials to legally perform some

jobs. Having a credential demonstrates to prospective employers that your skills are on par

with your civilian peers and may improve your hiring prospects. There are two primary types

of credentialing: licenses and certifications. State or federal laws or regulations define the

standards that individuals must meet to become licensed. For these types of professions,

licenses are typically mandatory. Certifications are different. Non-governmental agencies,

associations and even private sector companies may grant certificates to individuals who

meet predetermined qualifications. These qualifications, generally, are set by professional

associations or by industry and product-related organizations. Certifications, typically, are

optional credentials; although, some state licensure boards and some employers may require

certification. Licenses and certifications can be expensive, but you may be able to use your

GI Bill to help with the cost of credentialing. Visit the VA website for eligibility information

and application forms. Many veterans leave the military with skills and experience that

qualify them for comparable civilian occupations, sometimes with little or no additional

training. You will have a clear advantage by having your licenses and certifications in order

when you apply for jobs.

If you would like more information about licenses and certifications, select “yes”.


11c(1)(a). Department of Labor CareerOneStop

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The Department of Labor’s CareerOneStop website will help you explore credentialing

requirements for various career opportunities. The credentialing section of the website has

information on credentials, licenses, apprenticeships and resources.

If you would like more information about CareerOneStop, select “yes”.


11c(1)(b). U.S. Army Credentialing On-line

The Credentialing Opportunities On-Line website, COOL, explains how you can meet civilian

certification and license requirements related to your Military Occupational Specialty or MOS.

You can use this site to research civilian licenses and certifications relevant to your MOS and

learn how to fill any gaps between your military experience and training and civilian

credentialing requirements. You will find resources that can help you obtain civilian job

credentials as well as explore financial assistance options. This assistance can help you pay for

licenses and training. COOL includes enlisted and Warrant Officer MOSs.

If you would like more information about COOL, select “yes”.


11c(1)(c). U.S. Military Apprenticeship Program (USMAP)

USMAP is a program for members of the United States Marine Corps, Navy or Coast Guard.

The program, which is recognized by the U.S. Department of Labor, enables members of these

Services to complete different civilian apprenticeship elements required under civilian

apprenticeship programs in a structured, formal training program. When the program is

completed, USMAP awards a DOL certificate of completion.

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If you would like more information about USMAP, select “yes”.


11c(1)(d). Defense Activity for Non-Traditional Education Support (DANTES)

DANTES offers traditional and non-traditional education opportunities ranging from

certification and distance learning programs to tuition assistance, higher education and

examination programs. DANTES offers the College Level Examination Program, or CLEP, and

the Service Member Opportunity College. CLEP provides students with the opportunity to

demonstrate college-level achievement through a program of exams in undergraduate college

courses. Students can receive college credit for what they already know, which saves tuition

dollars and time. CLEP also helps satisfy proficiency requirements. Almost 3,000 colleges grant

credit and/or advanced standing for CLEP exams. Service Member Opportunity College is a

consortium of more than 1800 colleges and universities that provide educational opportunities

for Service members and their families. It also coordinates associate and bachelor degree

programs offered by colleges and universities. These programs are available to members of the

Army, Navy, Marine Corps and Coast Guard on installations worldwide and through distance

learning. DANTES also offers an extensive series of examinations in college subjects that are

comparable to the final or end-of-course examinations in undergraduate courses through the

Subject Standardized Tests, or DSST program.

If you would like more information on DANTES, select “yes”.


11c(1)(e). U.S. Navy Credentialing On-line

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The Credentialing Opportunities On-line, or COOL, website for Navy personnel relates civilian

certification and license requirements to Navy ratings, jobs, designators and occupations. The

COOL website includes background information about civilian licensure and certification. It

explains how to fill gaps between military training and experience and civilian credentialing

requirements. COOL also includes resources for obtaining civilian job credentials and exploring

financial assistance.

If you want more information about Navy COOL, select “yes”.


11d. TurboTAP

TurboTAP is a comprehensive web portal for separation and retirement related issues.

TurboTAP provides links to resources for money management, veteran benefits, education and

training assistance and other information. It includes the complete DoD Career Decision Toolkit.

TurboTAP also provides information on health care and links to the Service-specific transition

websites for information and resources. Visitors to the website can register for virtual learning

opportunities on transition related topics.

If you would like to learn more about TurboTAP, select “yes”.


11d(1). Employment Hub

TurboTAP Employment Hub is a resource available to you when you are ready to start your job

search. This hub helps you translate military skills and experience into civilian terms, build a

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resume and search for jobs. It also provides essential interview tips. In addition, the employment

hub serves as a resource to link you with job search websites and databanks.

For more information on TurboTAP Employment Hub, select “yes”.

If you do not want further information, select “no”.

11d(2). Hire Vets First

The Hire Vets First program and website have been suspended.

11d(3). State Job Boards

State job boards are found on state websites. Job seekers can post information, such as a job

experience profile and/or resume, directly on most state job board websites. Employers can use

their state’s site to search for job applicants. Job boards match individuals seeking employment

and businesses seeking employees with one another to meet each other’s needs. These resources

are free to both employers and job seekers.

If you want more information about state job boards, select “yes”.


11d(4). DOL REALifelines (Recovery & Employment Assistance Lifelines)

The Department of Labor’s Recovery and Employment Assistance Lifelines, or REALifelines,

provides veterans and transitioning service members who have been wounded and injured as a

result of the War on Terrorism, and their family members, with the resources they need to

successfully transition to a rewarding career. Developed by the Veterans’ Employment and

Training Service (DoL VETS), the REALifelines Advisor provides valuable information and

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contacts for one-on-one employment assistance. It also provides online resources to assist

wounded and injured transitioning service members and veterans in their reintegration into the

civilian workforce. While this site is primarily intended for use by wounded and injured

transitioning service members, it offers extensive information and resources that can benefit all

veterans.

If you want more information about REALifelines, select “yes”.


11e. Public and Community Service Opportunities (PACS)

In planning for your transition, you might want to consider employment opportunities in non-

profit, public and community service organizations. Some of these include schools, hospitals,

law enforcement agencies and social service agencies at national, state and local levels.

Public and community service jobs let you address compelling community issues and

challenges in education, public safety, health and human services, the environment and more.

Transitioning Service members have technical skills in areas of critical importance. Many

already have security clearances required for some federal positions. There are as many

reasons to serve as there are people who serve—from solving problems in your community to

serving your country. If you are interested in continuing to serve America, you are

encouraged to explore public or community service options.

If you want more information about Public and Community Service Opportunities select

“yes”.


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11f. Teacher and Teacher’s Aide Opportunities/Troops to Teachers

Troops to Teachers offers assistance to active or reserve military personnel who want to pursue a

career in public education as an elementary or secondary school teacher. Pending appropriations,

qualified personnel may be eligible for a stipend to help pay for the cost of a teacher certification

program or to receive a bonus to teach in a “high need” school district. Financial assistance is

available to certain military personnel. Service requirements, eligibility criteria and application

procedures can be found on the Troops to Teachers website. Generally, you must hold a

baccalaureate or advanced degree from an accredited institution at the time you apply. Those

interested in teaching in a vocational or technical school must have a minimum of one year of

college, or the equivalent, with six years of experience in a vocational or technical field.

If you want to learn more about Troops to Teachers, select “yes”.


11g. Federal Employment Opportunities

There are three main ways in which veterans who are interested in working for the federal

government can apply for positions. They are the Merit Promotion access method, Special

Hiring Authorities and Competitive Appointments. The Merit Promotion access method

through the Veterans’ Employment and Opportunities Act (VEOA) gives eligible veterans

access to jobs that otherwise would be available only to status employees. Eligible veterans

can apply to agency merit promotion announcements that are open to candidates outside the

agency but not to the general public, as are competitive appointments. By applying to a merit

promotion announcement, you compete only against other prior civil-service candidates for a

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career or career conditional appointment in the competitive service. To be eligible, you must

have separated under honorable conditions and be preference eligible.

If you are interested in learning more about Federal Employment Opportunities, select “yes”.


11g(1). USAJOBS

USAJOBS is the official job site of the United States Federal Government. It serves as the

Office of Personnel Management, OPM, website. With this website you can search for

federal jobs and verify if you qualify for veterans preference points and other federal benefit

programs. It also includes helpful information on how to submit an application packet.

If you would like more information about USAJOBS, select “yes”.


11g(2). Go-Defense

If you are interested in a career in national defense the Go-Defense website will be very helpful.

It includes many levels of employment from entry level to executive positions as well as non-

appropriated fund jobs. In addition, this website has links to Department of Defense agency

websites.

If you want more information about Go-Defense.com, select “yes”.


11g(3). Veterans’ Preference in Federal Employment

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Veterans’ preference in federal employment is determined by a point system and

administered by OPM. Generally, a five-point preference is given to honorably separated

veterans who have served more than 180 consecutive days of active duty before October 14,

1976 or who served continuously for 24 months, or the full period called or ordered to active

duty during any war or expedition for which a campaign badge has been authorized.

Preference for veterans who retired at or above the rank of Major or Lieutenant Commander

is contingent on a disability. To be entitled to preference you must produce a DD Form 214

prior to applying for this program. A ten-point preference is given to disabled veterans and

veterans who are awarded the Purple Heart and honorably separated. Hiring preference is

also granted to the spouse of an unemployable disabled veteran, the unmarried widow or

widower of a veteran, or the mother of a deceased or disabled veteran. Retired reservists

who are not receiving retired pay are not considered retired military for purposes of veterans'

preference.

If you would like to know more about Veterans’ Preference, select “yes”.


11g(4). Veterans Federal Procurement Opportunities

There are advantages to having your own government contracting business if you’re a veteran. If

you are interested in starting your own government contracting business, the Small Business

Development Act gives you an advantage over other small businesses competing for government

contracts. Each year three percent of all prime contract and subcontract awards are given to small

businesses owned and controlled by service-disabled veterans. In addition, federal procurement

officials and prime contractors are required to provide opportunities for small businesses owned

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and controlled by veterans or service-disabled veterans to participate in performance contracts

awarded by any federal agency. Service-disabled veteran-owned small businesses are awarded

government contracts through a sole-source or a set-aside award based on competition that is

restricted to these firms. Veteran owned companies must be registered in the Central Contractor

Registration system. The Small Business Administration offers substantial assistance as well as a

Mentor-Protégé Program to small disadvantaged businesses.

If you would like to know more about Veterans Federal Procurement Opportunities, select “yes”.


11g(5). Office of Personnel Management (OPM) Special Hiring Authorities

There are several ways to get a federal job. One way is by utilizing a Special Appointing

Authority for Veterans, which is a non-competitive appointment. If you’re eligible, you may

have a significant advantage over others because you do not compete outside the special

authority category. To receive special appointing authorities you must have been discharged or

released from active duty under honorable conditions and meet other eligibility requirements.

The Veterans Recruitment Appointment, VRA, is another special authority, which agencies can

use to appoint an eligible veteran without open competition. A veteran can be appointed to any

position for which he or she is qualified, up to GS-11 or equivalent. If a veteran has two years of

satisfactory employment, the person’s position can be converted to a career-conditional job.

However, based on VRA eligibility, the veteran may be given a noncompetitive, temporary or

term appointment that does not lead to a career job. If you are 30% or more disabled, you may be

given a temporary or term position for which you are qualified. Unlike VRA however, there is

no grade limitation. If you then have a satisfactory performance, you may be converted at any

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time to a career-conditional appointment. Contact the personnel office of the federal agency

where you are interested in working to find out more about these opportunities.

If you are interested in knowing more about Special Appointing Authority for Veterans select

“yes”.


11h. Hiring Preference in Non-Appropriated Fund (NAF) Jobs

NAF jobs are found on military installations, as well as at Department of Transportation and

Veterans Affairs activities. NAF jobs involve trades, crafts or manual labor. NAF employees can

be skilled, semi-skilled or unskilled. They may be foremen or supervisors. If you are separated

involuntarily with an honorable discharge and can receive transition benefits, or you are

separating with a special separation benefit, or separating with the voluntary separation

incentive, you could be eligible for a NAF hiring preference. This is a one-time preference for

you and your family members for NAF positions you, or they, are qualified to perform.

If you are interested in more information about NAF jobs and the preference, select “yes”.


11i. State Employment Agencies

Once you leave the military, state employment agencies can assist you in finding a job. Veterans

who use these centers receive priority for job referrals, testing, counseling and other services.

Services and benefits vary from state to state. In most states, you can register with the

employment agency on-line. State employment agencies and One-stop Career Centers have

Veteran Employment Representatives to assist you with a wide-range of employment issues.

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Disabled Veteran Outreach Program specialists or D-VOPs serve disabled veterans exclusively.

They focus mainly on veterans with barriers to employment, who are in need of intensive

services. Local Veterans’ Employment Representatives conduct employer outreach and provide

employment, training and placement services directly to veterans.

If you would like more information about State Employment Agencies, select “yes”.


11i(1). Career One-stop Centers

One-stop Career Centers provide a full range of assistance to job seekers. Established under the

Workforce Investment Act, WIA, the centers offer employment-related services in person, online

or kiosks. One-stops are conveniently located and provide a wealth of information. A One-stop

can connect you to employment, education and training services provided through local, state

and federal programs. These centers are a statewide network and offer a variety of services.

One-stop centers can connect you to the employment, education and training services provided

through local, state and federal programs. These centers are a statewide network and offer a

variety of services. The CareerOneStop website provides information about career fields and

current labor market information. You also can explore training; compare skill banks, typical job

duties and technology requirements; and search employers and jobs.

If you are interested in learning more about One-stop Career Centers, select “yes”.


11i(2). Workforce Investment Act (WIA)

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The Workforce Investment Act or WIA is administered by the Department of Labor. WIA trains

and educates job seekers about the skills that businesses look for in employees. Individuals who

take advantage of WIA services choose the training programs that best fit their personal

situation. Through WIA they access core services such as job search and placement assistance,

labor market information, initial assessments and information about assistance and follow-up

services. Unemployed individuals who need more than core services can access individual

employment plans, group and individual counseling, case management and short-term pre-

vocational assistance. WIA services are available through the One-stop Career Centers.

If you want to know more about WIA select “yes”.


11j. Veterans small business ownership and entrepreneurship programs

Programs are explained at 11j(1) and 11j(2).

11j(1). Small Business Administration and the SBA Patriot Express Loan

The Small Business Administration, SBA, provides a full range of entrepreneurial support

programs as well as specific programs for Veterans, Service-Disabled Veterans and members of

the National Guard and Reserve. SBA offers established loan and Surety Bonding programs for

Veterans and Reservists and government procurement programs for Veterans. There are Veterans

Business Development Officers in every SBA District Office. District Offices offer outreach,

counseling and training at more than 15 hundred Small Business Development Centers, The

Service Corp of Retired Executives (SCORE) Chapters and Women’s Business Centers. They

are also available online. SCORE is a national association dedicated to helping small business

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owners start and build their businesses. SCORE is a volunteer organization of active and retired

business people who offer assistance to individuals starting or operating small businesses. They

offer low-cost educational seminars and free one-on-one counseling. The Patriot Express Loan

for military personnel supports and assists those in the military community who want to establish

or expand their small businesses. Offered by SBA’s network of participating lenders nationwide,

the loan streamlines documentation and processing. Loans of up to $500,000 are available to

businesses where a veteran owns at least 51 percent and qualifies for SBA’s maximum guaranty.

The Patriot Express Loan can be used for most business purposes, including start-up, expansion,

equipment purchases, working capital, inventory or business-occupied real estate purchases. The

Patriot Express Loan offers SBA’s lowest interest rates for business loans, generally 2 1/4

percent to 4 3/4 percent over prime.

If you would like more information about SBA or the Patriot Express Loan, select “yes”.


11j(2). National Veteran’s Business Development Corporation

If you’re a disabled veteran and an entrepreneur, you’ll want to investigate The National

Veteran’s Business Development Corporation. The corporation is a congressionally mandated

program started in 2001 to achieve compliance with the government’s 3 percent goal of

procurement for disabled veterans. The corporation utilizes both public and private monies to

expand and reinforce monetary assistance to disabled veterans in small businesses. It also

established a Task Force for Veterans Entrepreneurship.

If you want more information about the National Veteran’s Business Development Corporation,

select “yes”.

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11k. Uniformed Services Employment and Reemployment Rights Act (USERRA)

When you join the military or are called to active duty in the National Guard or Reserve, upon

your return, you may have reemployment rights with your civilian employer. The Uniformed

Services Employment and Reemployment Rights Act, or USERRA, clearly establishes that

reemployment protection does not depend on the timing, frequency, duration or the nature of

your service. As long as basic eligibility criteria are met you are protected. The criteria include

character of service, initial obligation or duration of service, advance notice and timely

reapplication. The USERRA reemployment “escalator” principle provides for returning Service

members to be rehired with the same seniority, status, pay, rights and benefits as determined by

seniority. USERRA requires employers to take reasonable steps so returning Service members

can qualify for reemployment. USERRA also provides protection from discrimination in hiring

or rehiring that might result from past, present or future membership in the uniformed services.

The Department of Labor’s Veterans’ Employment and Training Service, DoL VETS, provides

assistance to all persons having claims under USERRA. Members of the National Guard or

Reserve who might have any employee/employer problems or misunderstandings as a result of

their membership can also contact the Department of Defense organization, Employer Support

for the Guard and Reserve, or ESGR, for assistance.

If you want more information about Employment or Reemployment Rights, select “yes”.


11l. Priority of Service

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As a veteran, you and your eligible spouse are given priority of service for any Department of

Labor funded programs, including employment, training and placement services at state

Employment Service offices or One-stop Career Centers. Federal law requires all states to

develop policies in their workforce plan for the delivery of priority of service. States are also

required to have the workforce system and DOL programs to support implementation.

If you would like more information about priority of service, select “yes”.


12a. Permissive Temporary (PTDY) and Excess Leave

Looking for the right job and a place to live can be challenging and can take longer than you

anticipate. Permissive TDY and Excess Leave may be authorized for job search and house

hunting activities that facilitate your relocation to civilian life. You can request either excess

leave or Permissive TDY, but not both, and your request must be approved by your unit

commander. To be eligible, you must separate with a Separation Program Designator or SPD

code that provides transition benefits. Retiring Service members, members who are separating

involuntarily under honorable conditions, and members being discharged for medical reasons can

be eligible for Permissive TDY or Excess Leave. Because there are restrictions, you need to

check with your command and personnel office. If you are a Reserve Component Service

member, you are authorized only the leave you earned while on active duty, so check with your

local command to determine leave policies and options. Eligible Service members can take up to

20 days of Permissive TDY for job hunting, house hunting or other relocation activities. You

could be authorized for up to 30 days of Permissive TDY if you are a Service member stationed

overseas, or if you are not a U.S. resident and not stationed at your home of record, or if you are

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overseas and returning to a legal residence in the United States. If you are overseas and not

returning to your home of record; the place from which you were called or ordered to active

duty; the place of your first enlistment; or your place of permanent legal residence, you could be

authorized 20 days of Permissive TDY. You can take Permissive TDY all at once or in

increments, except in cases of disability retirement or separation, when time constraints dictate

that it is taken all at once or not at all.

If you want more information about Permissive TDY and Excess Leave, select “yes”.


12b. Travel and Transportation Allowances

As a separating Service member you are authorized travel and transportation allowances from

your last duty station to your home of record or the place where you entered active duty. If you

are retiring, you are authorized for travel and transportation allowances from your last duty

station to a home of selection any place in the United States, a home of record or the place you

entered active duty outside the United States. Travel must be completed within established time

frames. Eligible retirees and certain involuntary separatees are authorized storage and shipment

of household goods for up to one year. Household goods can be shipped to any destination

within the United States; to a home of record outside the United States; or to the place outside

the U.S. from where the Soldier was initially called to active duty. For up to six months, all other

separatees are authorized to store and to ship household goods to the location they identified for

separation. Contact the Personal Property or Transportation Office for more information. As a

Reserve Component Service member on active duty, you are authorized transportation to your

place of entry onto active duty. If you travel to a different location, your transportation

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reimbursement is limited to the cost of traveling to your place of entry. Your transportation

office can explain travel and transportation entitlements and limitations. Reserve Component

Service members ordered to active duty normally are not authorized shipment or storage of

household goods upon entry or separation. If you are retiring from full-time active duty or being

involuntarily separated, check with your Commander and your transportation and personnel

offices to see if you are eligible for shipment and storage of household goods. Eligible

involuntary separatees or Selected Early Retirement Board retirees can be extended in military

housing for up to 180 days, following separation or retirement, on a space available basis. The

housing office can provide more information and rental rates. Subject to overseas Status of

Forces agreements, dependents of Service members separating involuntarily who completed the

11th grade by the Service member's separation date could be granted a Department of Defense

Dependents School Extension.

If you would like more information about Relocation Assistance, select “yes”.


13. Contact Information for Housing Counseling Assistance

If you live in government quarters, you must schedule a pre-inspection. You will learn about the

requirements for cleaning and vacating your quarters and your options for completing these

requirements. If you are moving from a rental property, notify your landlord as soon as possible.

If you have any problems as the result of your separation, the Housing Office can assist you. The

U.S. Department of Housing and Urban Development, or HUD, website lists state resources and

program offices for assistance in avoiding foreclosure, financing home improvements and buying

or selling a home. The HUD Veteran Resource Center has a wide variety of HUD homeless

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assistance programs and services for veterans. HUDVET also helps with issues of affordable

housing for individuals with disabilities, runaway youth and combating domestic violence.

If you want more information about Housing Counseling, select “yes”.


14a. Education Benefits (Post 9-11 GI Bill Chapter 33), (Montgomery GI Bill Chapter 30),

(Veterans Educational Assistance Program), (Vietnam-era, etc.)

The VA provides financial assistance for a wide variety of education programs, including degree

programs, technical and vocational programs, correspondence courses, on-the-job training,

entrance exams, and licensing and certification tests. Programs must be approved before VA

benefits are paid. Your education program eligibility is affected by your contract and the time

you served, so check with your Education Center, your National Guard or Reserve unit or

resources in your local community to learn more about your educational benefits. The Education

Center has information on the Veterans Education Assistance Program, the Montgomery GI Bill,

and other veterans’ education benefit programs. It also provides additional services and testing

and can help you have your military education and training evaluated for academic credit.

Eligibility for Montgomery GI Bill education benefits requires an honorable discharge.

Eligibility for Veterans Educational Assistance Program, VEAP, education benefits requires an

other-than-dishonorable discharge. The Post 9/11 GI Bill provides financial support for

education and housing to honorably discharged individuals with at least 90 days of service on or

after September 11, 2001. It also supports individuals discharged with a service-connected

disability after 30 days on active duty. The Post-9/11 GI Bill can be used for approved graduate

degrees, undergraduate degrees, vocational/technical training, tutorial assistance, and licensing

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and certification tests. The Post 9/11 GI Bill pays tuition and fees, books, supplies and a stipend

up to 36 months. It is generally available for 15 years following release from active duty. To be

eligible for 100% of the benefit, you must have served a total of 36 months of active duty

service. For those who served fewer than 36 months, the percentage of the benefit ranges from

40% to 90%. The Post 9/11 GI Bill also offers some beneficiaries the opportunity to transfer

their GI Bill to dependents. If you enrolled in the Montgomery GI Bill and paid $100 per month

for 12 months, you are entitled to receive a monthly education benefit once you complete your

minimum service obligation. MGIB requires an honorable discharge and a high school diploma

or GED or, in some cases, 12 hours of college credit. MGIB provides up to 36 months of

education benefits. The Reserve Education Assistance Program is another benefit that provides

education assistance to members of the Reserve Component called or ordered to active duty for

contingency operations. Eligibility is determined by DOD and the Department of Homeland

Security. Benefits cannot be used with other VA educational benefits. Recipients must choose

which program they want their military service to count towards. Benefits are payable beginning

90 days after September 11, 2001 and they are determined by the number of days the

Servicemember was activated. As a member of the Selected Reserve, you could be eligible for

the MGIB-Selected Reserve education assistance program and receive up to 36 months of

education benefits for programs, courses and training. You must meet program requirements

including a six-year service obligation, initial active duty for training, have a high school

diploma, and remain in good standing while serving in an active Selected Reserve unit. The

Army American Council on Education Registry Transcript Service, or AARTS, recommends

equivalent college credit for military training and service duties. Download your AARTS

transcript and ask the education office to assist you in reviewing your credit.

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If you want more information about Education Benefits, select “yes”.


14b. U.S. Department of Education Federal Aid Programs

The Federal Aid Program includes grants, loans and work-study programs. These federally

funded loan programs partner with postsecondary schools and financial institutions to provide

money for college to eligible students and families. The Federal Aid Program provides

information on how to obtain aid, use technology to submit applications, and fill out financial aid

applications. It provides information on loan rules and regulations and student loan accounts.

Veterans’ education benefits can still be used in conjunction with Federal Student Aid. There

also is a Veterans Upward Bound program available to help you refresh your academic skills so

you can successfully complete your college program.

If you want to know more about Federal Aid Programs select “yes”.


14c. Other Federal, State, or local education/training programs and options

The Education Center provides professional counselors who can advise you on the education

opportunities. Education Center counselors can help you learn about undergraduate, graduate or

certificate programs. They can also point you toward other program options available through the

military from college-level testing and professional military education to veterans’ benefits,

tuition assistance, financial aid, distance learning and testing. Testing can be an important first

step in determining your career path. Some colleges and universities may require test results as

26

part of your application packet. Prior to your departure from military service, be sure to take

advantage of the many Ed Center services available to you.

If you would like more information about other education and training programs, select “yes”.


14d. Loan Relief

Loan relief for members of the National Guard and Ready Reserve called to active duty applies

to student loans made under the Federal Family Education Loan, William D. Ford Loan, and

Federal Perkins Loan programs. Under Department of Education guidance, lenders automatically

postpone student loan payments during active duty service. Interest payments on subsidized

student loans are eligible for payment by the federal government. The Department of Education

also encourages colleges and universities to either fully refund tuition and other institutional

charges or give comparable credit to students forced to withdraw from school to fulfill military

obligations. Schools are urged to offer flexible re-enrollment options to affected students and to

those who have been forced to withdraw from school as a result of terrorist attacks. Students who

were called to active duty or affected by military mobilization, as well as others who withdrew as

a direct result of terrorist attacks, are not required to return financial aid funds received for books

and living expenses.

If you have more questions about Loan Relief, select “yes”.


15a. Information on availability of Healthcare and Mental Health Services

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In order to make the best healthcare choices, you need to be aware of available healthcare

options. Because there are many different programs and services as well as requirements for

receiving them, military Service members who are separating or retiring should attend a

Department of Veterans Affairs, or VA, Benefits Briefing to learn about VA healthcare

coverage. Combat Veterans discharged from active duty on or after January 28, 2003 can receive

enhanced enrollment placement in programs for five years after the date they leave the service.

Activated members of the National Guard or Reserve may be able to keep enrollment eligibility

after the five year period ends. In order to do, so they must have done the following: served on

active duty in a theater of combat operation after November 11, 1998, and left service under any

conditions other than dishonorable. They must also enroll with the VA under the Combat

Veteran Authority. DOD’s Mental Health Self Assessment Program provides mental health and

alcohol screening and referral for military families and Service members affected by deployment

and mobilization. The program is voluntary and anonymous and is offered online, by phone and

through special events held at installations and Reserve units. Self-assessments are available for

the following: depression, bipolar disorder, alcohol abuse, post-traumatic stress disorder and

generalized anxiety disorder. Assessment results and resources including TRICARE, Vet Centers

and Military OneSource are provided at the end of every assessment.

If you would like more information about Healthcare and Mental Health Services, select “yes”.


15a(1). Transitional Healthcare Benefit/TRICARE

Transitional healthcare offers TRICARE-like benefits for 180 days to eligible Service members

involuntarily separated from active duty. To be eligible, members of the Reserve Component

28

must be separated from active duty after serving more than 30 days in support of a contingency

operation, or after being involuntarily retained on active duty in support of a contingency

operation, or they must be separated from military service following a voluntary agreement to

remain on active duty for one year or less in support of a contingency operation. Transitional

healthcare, a Transitional Assistance Management Program, or TAMP, benefit, ensures you have

coverage while you make your decision to enroll in TRICARE Reserve Select or another medical

insurance program. You must make sure you and your family members are enrolled in the

Defense Enrollment Eligibility Reporting System, DEERS. You also will pay quarterly

transitional healthcare premiums and deductibles for any care you may need during that period.

If you are currently enrolled in TRICARE Prime, you will automatically be un-enrolled once you

separate from active duty unless you contact the TRICARE regional managed care support

contractor, or the local TRICARE service center, to re-enroll in TRICARE Prime. If you do not

re-enroll, your transition coverage will be under TRICARE Standard. TAMP Dental Coverage

provides dental care in military dental treatment facilities on a limited and space-available basis.

If you want more information about Transitional Healthcare Benefit/TRICARE, select “yes”.


15a(2). TRICARE Reserve Select

TRICARE Reserve Select is a comprehensive healthcare program for the Select or Drilling

Reserve. If you enrolled in TRICARE Reserve Select before you were mobilized, you must re-

enroll because your benefits were suspended when you mobilized. If you are a member of the

Selected Reserve or the Ready Reserve, not on active duty orders or covered by the TAMP

program, and not eligible for or enrolled in the Federal Employee Health Benefits program,

29

TRICARE Reserve Select is a great option. If you qualify, you can purchase TRICARE Reserve

Select after your TAMP coverage ends. The Service secretaries are required to provide

information to Reserve Component members injured on active duty regarding Warrior Transition

Unit information on available care, information on administration processing and the location of

the WTUs. Members of the National Guard or Reserve who require only outpatient care can

request a transfer to a Community Based Health Care Organization, or CBHCO. If you served in

an area where imminent danger pay was authorized and are involved in the Disability Evaluation

System, you will be retained on active duty for the duration of the process. If you choose to

terminate active duty early, you must be counseled about the consequences of early termination

on benefits and entitlements. As a member of the Reserve Component, you will need to obtain

dental insurance from your employer, a private insurer or TRICARE Dental following your

release from active duty.

If you would like additional information about TRICARE Reserve Select, select “yes”.


15a(3). VA Health Administration

VA disability compensation is a tax-free benefit paid to veterans as the result of injuries or

illnesses that occurred during, or were made worse by, active military service. To receive this

benefit, a veteran must be discharged under other than dishonorable conditions. VA pension is a

benefit paid to low income earning veterans who are totally and permanently disabled or who are

age 65 or older. You must have 90 days or more of active military service, at least one day of

which was during a period of war. Since all veterans potentially could be eligible for VA health

care, it is important to talk with a VA representative to determine your individual eligibility.

30

If you would like to know more about VA benefits select “yes”.


15a(4). VA Vet Center

VA Vet Centers provide quality and caring re-adjustment counseling services to help you and

your family succeed in your post-war adjustment. Vet Center care includes professional

readjustment counseling, bereavement counseling, community education, outreach to special

populations, and the brokering of services with community agencies. Vet Centers also link

veterans with other VA services. There are specific eligibility requirements for these services.

If you would like more information about Vet Centers, select “yes”.


15a(5). State and Local Health Care and Mental Health Services

State departments of health promote public health policy initiatives, research and service

programs. Generally, health encompasses behavioral and environmental health as well as

physical well-being, illness and communicable diseases. Social service websites can include

information and programs dealing with issues related to welfare, early childhood development,

foster parenting, poverty, juvenile delinquency, sex offenders, aging, public assistance and

rehabilitation. They also provide listings of private social service agencies.

If you would like more information on State and Local Health, check “yes”.


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15b. Healthcare and other benefits to which the member may be entitled under the laws

administered by the Secretary of Veterans Affairs

TRICARE is a Department of Defense managed healthcare program for active duty Service

members, retirees and their families, and other eligible beneficiaries. TRICARE pays a

percentage of allowable charges for covered health care services provided by authorized

providers, after a yearly deductible. TRICARE has a catastrophic cap, or maximum, you will pay

out-of-pocket for covered services. To receive this benefit, you and your family members must

be enrolled in DEERS. If you currently are enrolled in TRICARE Prime, you will automatically

be un-enrolled once you separate from active duty unless you contact the TRICARE regional

managed care support contractor, or the local TRICARE service center, to re-enroll in TRICARE

Prime. If you do not re-enroll, your transition coverage will be under TRICARE Standard.

Dental care provided by the Department of Defense does not continue after separation. VA

provides one-time dental care for veterans who apply within 90 days after separation if they have

not received dental care within 90 days prior to separation. The TRICARE Retiree Dental

Program offers comprehensive, cost-effective dental coverage for retirees and eligible family

members. TRICARE medical and dental benefit information is available on the TRICARE

website or from a TRICARE service center.

If you plan to receive civilian health care under TRICARE, select “yes”.


15b(1). VA Health Care

VA’s medical benefits package makes standard enhanced health benefits available to all enrolled

veterans. It emphasizes preventive and primary care and offers a full range of outpatient and

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inpatient services within the VA health care system. Eligibility is based on active military service

that results in a discharge under other-than-dishonorable conditions. Eligibility for veteran’s

health care is not just for those who served in combat or for veterans who have service-connected

injuries or medical conditions. VA provides a broad range of medical, surgical and rehabilitative

care and readjustment counseling to all qualified veterans. VA maintains an annual enrollment

system to manage the provision of quality hospital and outpatient medical care and treatment to

all enrolled veterans. A priority system ensures that veterans with service-connected disabilities

and those below the low-income threshold are able to enroll in VA’s health care system.

Members of the National Guard and Reserve called to active duty by a Federal Executive Order

may qualify for VA health care benefits. Returning Service members, including members of the

Reserve Component, who served on active duty in a theater of combat operations have special

eligibility for hospital care, medical services and nursing home care for two years following

discharge from active duty. By attending a VA Benefits Briefing, you will learn about service-

connected and non-service connected disabilities and how they impact both cost and access to

VA medical services.

If you want more information about VA Healthcare, select “yes”.


15b(2). VA Dental Care

VA provides outpatient dental benefits according to eligibility criteria that, in some cases, are

quite extensive and, in others, very limited. The VA website provides fact sheets on VA Medical

Care and Dental Treatment.

If you want more information about VA Dental care, select “yes”.

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16a. Continued Health Care Benefits Program

The Continued Health Care Benefits Program, or CHCBP, provides temporary health care

coverage that includes pre-existing conditions. This premium-based health care is similar to

TRICARE and can be purchased for a period of 18 months to extend coverage when you lose

your military benefits. CHCBP is available to you and your family, certain un-remarried former

spouses, and children who lose military coverage. To be eligible, you must enroll in the program

and pay premiums within 60 days after you separate from active duty. By bridging the gap

between military health benefits and medical benefits you receive in your new job, CHCBP can

ensure your family has continuous medical coverage. It is important that you research different

health care options. CHCBP may be the best option for temporary health care coverage;

however, participation is completely optional. Regardless of your situation, you should ask your

service personnel office and military treatment facilities for detailed information about health

care provisions and application procedures.

If you want more information about CHCBP, select “yes”.


16b. Veterans’ Group Life Insurance (VGLI)

While on active duty, you had Servicemembers’ Group Life Insurance, SGLI. An SGLI coverage

extension automatically continues this life insurance for 120 days following your separation from

active duty. After 120 days, you will be given the opportunity to convert your SGLI to Veterans

Group Life Insurance, VGLI, offered by the VA. To convert SGLI to VGLI, submit an

34

Application for Veterans’ Group Life Insurance along with the required premium to the Office of

Servicemembers’ Group Life Insurance within one year and 120 days from your discharge. If

you submit your application within 120 days of your discharge from active duty, you will not

need to submit evidence of good health. VGLI coverage is renewable term insurance and is

issued in multiples of $10,000, up to a maximum of $400,000. Your VGLI coverage cannot

exceed the SGLI coverage you had at the time you separated. VGLI policyholders can convert

VGLI to a commercial life insurance policy at any time.

If you would like more information about VGLI, select “yes”.


16c. Servicemembers’ Group Life Insurance (SGLI)

SGLI is a program of low cost group life insurance that is available to the following Service

members: Service members who are on active duty or in the National Guard or Ready Reserve,

students attending one of the four Service academies or in ROTC, and those in the

Commissioned Corps of NOAA or Public Health Service. If you receive SGLI, you will have

two options to convert SGLI once you are released from active duty. You can convert your full-

time SGLI coverage to term insurance under the Veterans' Group Life Insurance program or to a

permanent insurance plan with a participating commercial insurance company. SGLI has a

Disability Extension, which allows Service members who are totally disabled at the time of their

discharge to retain, at no cost for up to two years, the same SGLI coverage they had while in the

service. SGLI coverage is available in $50,000 increments up to the maximum of $400,000. If

you are interested in making changes to your basic SGLI coverage, contact your personnel

office. For information about premiums and refunds, contact your Finance Office.

35

If you would like more information about SGLI, select “yes”.


16d. Traumatic Injury Protection under Servicemembers' Group Life Insurance (TSGLI)

Traumatic Injury Protection under SGLI is a rider to your Servicemembers’ Group Life

Insurance. TSGLI provides payment if, while on or off duty, you suffered a qualifying injury as

the result of a traumatic event. Effective December 1, 2005, all Service members with SGLI have

TSGLI, and as of October 1, 2011, TSGLI is payable for all qualifying injuries incurred between

October 7, 2001 and November 30, 2005. TSGLI coverage is automatic for those insured under

basic SGLI and cannot be declined. TSGLI payments help traumatically injured Service

members and their families cope with the financial burdens associated with recovering from a

severe injury. TSGLI payments range from $25,000 to $100,000 based on the qualifying loss.

TSGLI payments have no impact on the amount of SGLI payable.

If you want to learn more about TSGLI, select “yes”.


16e. Family Servicemembers’ Group Life Insurance (FSGLI)

Family Servicemembers' Group Life Insurance, FSGLI, provides life insurance protection only

in the event of death. It does not provide payments for disability or other supplementary benefits.

FSGLI is a Service members' benefit, and the member is the beneficiary of the policy. In

addition, FSGLI has no cash, loan, paid-up or extended insurance values and does not pay

dividends. FSGLI is issued in $10,000 increments and provides up to $100,000 of life insurance

coverage for spouses, not to exceed the amount of SGLI coverage. It provides $10,000 for

36

dependent children. If you decline coverage or elect less than the maximum coverage, you can

apply or increase the amount of coverage later. Proof of spouse insurability will be required in

these cases. FSGLI can be converted to a commercial insurance policy within 120 days of

separation.

If you want more information about FSGLI, select “yes”.


16f. Service-Disabled Veterans Insurance (S-DVI)

The Service-Disabled Veterans Insurance program was established to meet the insurance needs

of certain veterans who have a service connected disability. S-DVI is available in a variety of

permanent plans as well as term insurance. Policies are issued for a maximum amount of

$10,000. You can apply for S-DVI if the following circumstances apply. You were released

from active duty under other-than-dishonorable conditions on or after April 25, 1951. You were

rated for a service-connected disability. You are in good health except for any service-connected

conditions and you apply within two years from the date VA grants your new service-connected

disability. Under certain conditions, the basic S-DVI policy waives your premiums if you have

total disability. The Veterans' Benefits Act of 1992, provided for $20,000 of supplemental

coverage to S-DVI policyholders. Premiums may not be waived on this supplemental coverage.

If you want more information on S-DVI, select “yes”.


16g. Veterans’ Mortgage Life Insurance (VMLI)

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Veterans' Mortgage Life Insurance, VMLI, is a mortgage life insurance program designed to pay

off the home mortgage of disabled veterans and Service members in the event of their death.

VMLI provides up to $90,000 of mortgage life insurance payable to the mortgage holder in the

event of the veteran’s death. The amount of coverage equals the amount of the mortgage still

owed, but the maximum cannot exceed $90,000. VMLI is decreasing term insurance, which

reduces as the amount of the mortgage is reduced. VMLI has no loan or cash values and pays no

dividends. You must be a recipient of the Specially Adapted Housing Grant from VA to be

eligible for VMLI. When you receive a grant to purchase a home through Specially Adapted

Housing, an advisor from Loan Guaranty will discuss your eligibility for VMLI and help you

complete the application.

If you want more information about VMLI, select “yes”.


16h. VA Life Insurance

VA life insurance programs were specifically created to provide insurance benefits to Service

members who are not able to get insurance from a private company as a result of the risks of

military service or a service-connected disability. During transition, Service members need to

research Veterans Group Life Insurance as well as the other VA life insurance plans to determine

which ones are most appropriate. They also should plan to attend a VA Benefits Briefing.

If you would like more information about VA Life Insurance, select “yes”.


16i. Transitional Health Care Benefit

38

For comprehensive information about Transitional Health Care tailored to your particular

circumstances, plan to attend a VA Benefits Briefing and talk to a TRICARE representative.

Your VA and TRICARE representatives can outline your eligibility for coverage and tell you

how long your coverage will last. Medical coverage can be very expensive, so it is important you

have the best information possible to make the best choice for your situation.

If you want more information about Transitional Health Care Benefit, select “yes”.


17a. Financial Management

Unless you already have definite career plans, it could take some time to find a job. Careful

financial planning is key to managing on a limited income. Personal financial management

specialists on the installation can help you plan. There also are online sites where you can

research resources and plan on your own. Be sure to consider paid vacation and holidays,

enlistment bonuses, tax-free income and retirement and health care plans when comparing your

current benefits with what is offered in the civilian sector. The Thrift Savings Plan, or TSP, is a

defined contribution plan you can choose as your retirement plan. The income you receive at

retirement will depend on how much you contribute during your working years and the earnings

those contributions generate. Your contributions and earnings are yours regardless of the time

you serve on active duty. When you separate, if your account balance is $200 or more, you can

leave the money in the account. A TSP representative can help you make a partial or full

withdrawal at any time. The Survivor Benefit Plan, or SBP, is specifically for retirees. SBP is an

optional plan that will pay a surviving spouse a monthly payment to help make up for the loss of

retirement income upon the death of a retired Service member. Service members and their

39

spouses are equally responsible for the decision to accept or decline SBP. Spouses are required to

sign the SBP Election Form and coverage cannot be reduced or declined without a spouse’s

written consent. Even single Service members must make this election. Failure to accept or

decline SBP results in automatic coverage at the full retirement pay amount. Coverage can be

selected for a former spouse or, if the member does not have a spouse or children, for an

insurable interest such as a business partner or parent. SBP also could be mandated by a divorce

decree. SBP participants pay a monthly premium for this plan. Premiums and benefits are

calculated on the base amount or benefit level elected. SBP is an important financial decision and

should be carefully considered.

If you want more information about Financial Management, select “yes”.


17b. Separation Pay

Separation pay eligibility and amounts vary from person to person and are determined by

Separation Program Designator, or SPD, codes. A representative from your military personnel

office can provide more details on your particular eligibility, so plan to ask them your specific

questions. The actual amount of separation pay is computed by your local finance office. If you

are eligible for final pay at separation that includes earned entitlements and pay for accumulated

leave, the amount will be reduced by outstanding balances on advance pay you received as well

as on unearned bonus recoupment or other debts you incurred plus taxes. Transactions already in

process could result in additional payments to you after separation or could create a debt for

which you would be responsible. Personnel medically separated for a disability incurred in a

40

combat zone or from combat-related operations could be entitled to enhanced disability

separation pay.

If you are interested in more information on Separation Pay, select “yes”.


17c. Unemployment Compensation

The Unemployment Compensation for ex-Service Members, UCX, law provides unemployment

compensation for certain eligible separated or retired Service members. Because each state has

different requirements, you need to contact the state where you plan to look for work to

determine your eligibility. Receiving unemployment while you look for work can help pay bills

and provide financial stability as you establish yourself in the civilian world. Once you file a

claim, the state workforce agency will determine if you are eligible to receive unemployment

compensation.

If you are interested in learning more about unemployment compensation, select “yes”.


17d. General Money Management

Money management encompasses how you handle all of your monetary assets. While a basic

rule of thumb is to have 3 to 6 months of living expenses set aside in the event of lost wages or

other emergencies, some might find this an unrealistic goal. Setting a personal savings goal now

and working to reach that goal as soon as possible might be more attainable. Budget statements,

such as a balance sheet and cash flow statement, are realistic tools for researching financial

goals. A balance sheet represents your net worth. It includes your assets, what you own, your

41

liabilities, what you owe, and what the net result would be if you paid off your debts. A cash

flow statement summarizes your income and expense transactions over a specific period of time,

such as a month or a year, and shows where your money came from and where it went. Your

fixed income is your pay check. Other earnings, such as monetary gifts, represent your variable

income. Fixed expenses such as rent or mortgage payments, utility bills, auto payments and

insurance premiums do not change in the short run. Variable expenses like groceries, clothing,

entertainment and credit card payments are easier to decrease. Since income drives your budget,

you can compare your fixed income with your variable expenses to determine how you can

reduce your expenses and put more money in savings. Financial counselors on the installation or

online financial planning tools can help you develop a budget and achieve your goals. Debt

management is a systematic repayment plan based on earnings and expenses to help an

individual become debt-free. A debt management program, which is established for an individual

and spreads payments over time, could stop creditors from taking legal action. Debt management

programs can only help if a debtor is committed to putting forth effort, sticks to a budget,

refrains from over spending and stops using credit cards. Debt management counselors on the

installation or the financial specialist at your command can advise you on debt management.

If you would like more information about General Money Management, select “yes”.


17e. Personal Savings and Investment

Banks and credit unions offer FDIC or National Credit Union Association insured savings

accounts to help you reach your short- and long-term financial goals. When shopping for a

42

savings account, look for accounts that offer competitive interest rates on low account balances.

As some limit the number of free transactions, also check withdrawal and deposit guidelines.

Savings accounts offer low interest earnings but are a way to put money aside to draw on, if

needed. For higher interest earnings, you need to invest in bonds, Certificates of Deposit, CDs,

stocks or mutual funds. Bonds, in particular U.S. Savings Bonds, are an inexpensive way to

invest. Companies, cities, states and even governments sell bonds to help raise money to run

their particular institutions. CDs are issued by commercial banks and Savings and Loans. You

receive a small yield on your money, typically 2 to 5 percent, so the more you invest, the more

you earn. Buying stocks gives investors a stake in a company. They have a claim on assets and

earnings and a liability for losses. If the company does well, investors make money. If the

company has a bad quarter or bad year, investors lose money. There is risk involved in investing

in stocks. Mutual funds have managers who pool money together from thousands of small

investors and buy stocks, bonds or other securities. Investors in mutual funds purchase a stake in

all the investments.

If you would like more information about Savings and Investments, select “yes”.


18. The Department of Veterans Affairs (VA)

The Department of Veterans Affairs, or VA, has the overall responsibility to provide information

and administer benefits to Wounded Warriors, Veterans, Service members, their families and

caregivers. You should plan to attend a VA Benefits Briefing and meet with a VA Benefits

Counselor for the most comprehensive benefits information pertaining to your situation. Some

VA programs already were explained in this briefing. They include compensation and pension,

43

education and training, medical care and insurance. Two other VA programs are home loan

assistance and Vocational Rehabilitation and Employment. Eligible veterans can obtain loans

guaranteed by VA to purchase or refinance homes, condominiums and manufactured homes. VA

guaranteed home loans feature a competitive interest rate and lower down payment, or, if the

lender agrees, no down payment at all. VA does not give loans and eligible veterans must make

their own arrangements for loans through the usual lending channels. Vocational Rehabilitation

and Employment, VR&E, is an employment-oriented program intended for veterans who have a

combined service-connected disability rating of 20 percent or more. VR&E is also available for

certain Service members awaiting discharge due to a medical condition. VR&E helps individuals

prepare for, find and keep suitable employment. For veterans whose disabilities are so severe

they cannot currently consider employment, VA helps them attain as much independence in daily

living as possible.

You can learn more about these and all VA programs by attending a VA Benefits Briefing. The

VA eBenefits portal provides benefits-related online tools and information, including links to

other sites that provide benefits information and a personalized workspace called My eBenefits.

Registering with eBenefits gives you access to secure features. It also gives you the ability to

personalize features to suit your needs. Military personnel and veterans with a Common Access

Card, or CAC, can register quickly for immediate access to a variety of benefits information.

You should consider registering with CAC while you still are on active duty. Qualified, covered

veterans who are interested in employment with the VA could be eligible for a hiring preference

for employment as Veterans’ Benefits Counselors and Veterans’ Claims Examiners.

To learn more about VA benefits and programs and attend a VA Benefits Briefing, select “yes”.

If you have all the information you need, select “no”.

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19a. Disabled Transition Assistance Program (DTAP)

Disabled Transition Assistance Program, or DTAP, presentations generally are group sessions

that include a comprehensive discussion of VA’s Vocational Rehabilitation and Employment

Program. Counseling on education and vocations is also available to separating Service members

and veterans. Usually, the VA Regional Office’s VR&E Officer coordinates DTAP sessions for

those Service members who are hospitalized, convalescing or receiving outpatient treatment for a

disability and who are unable to attend a DTAP group session. The VA Vocational

Rehabilitation program provides eligible veterans who have compensable service-connected

disabilities all the services and assistance necessary to enable them to achieve independence in

daily living. The goal is to help these veterans become employable and then obtain and maintain

suitable employment. This program has five tracks available for individuals who have, or think

they have, a disability.

If you want to attend a DTAP briefing, select “yes”.


19b. VA Disability Benefits

The Department of Veterans Affairs is responsible for ensuring that if you are a disabled veteran

you receive the proper care, support and earned recognition that you deserve. The Disabled

Transition Assistance Program is an integral component of transition because it helps you make

informed decisions about your disability as it relates to the VA. DTAP assists you in filing your

application for vocational rehabilitation benefits quickly and easily.

If you would like more information about VA Disability, select “yes”.

45


19c. Benefits Delivery at Discharge and Quick Start

If you are separating from active duty within the next 60 to 180 days, Benefits Delivery at

Discharge, or BDD, can help you receive VA disability benefits sooner. The BDD Program

allows you to apply for disability compensation benefits from the Department of Veterans

Affairs prior to retirement or separation from military service. BDD allows veteran self-

identified disability claims to be processed six months prior to separation. At BDD sites, which

are at limited locations in the United States, Service members can submit VA Form 21-526c and

medical documentation to a local VA representative to establish their claims. VA schedules

necessary specialty appointments and a compensation and pension examination by a VA doctor.

As a goal, disposition of the claim is projected no later than two months after the date of

discharge on DD Form 214. Quick Start allows Service members to speed the process of

applying for service-connected compensation by submitting their application while still on

Active duty. Service members with 1 to 59 days remaining on active duty or full time members

of the National Guard or Reserve may apply through Quick Start. Service members who do not

meet the BDD criteria for all examinations prior to discharge may also apply through Quick

Start.

If you are interested in more information about BDD or Quick Start, select “yes”.


20. Soldiers and Sailors Civil Relief Act (SSCRA)

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Members of the National Guard and Reserve whose military service compromises their ability to

meet certain financial obligations are protected from their first day of active duty to their

discharge or release date under the provisions of the Soldiers and Sailors Civil Relief Act.

Provisions of the Act also serve to assert their legal rights. National Guard members called to

state active duty under Title 32, for longer than 30 days, as the result of a federal emergency or at

the request of the President or Secretary of Defense, are protected under the Soldiers and Sailors

Civil Relief Act. In certain circumstances, members of the National Guard recalled for state duty

are also protected by the Servicemember's Civil Relief Act. The Soldiers and Sailors Civil Relief

Act allows individuals called to active duty to break a lease they entered into before they were

activated. They are also allowed to terminate their residential lease when they receive PCS

orders or orders to deploy for more than 90 days. There also is protection from eviction. Under

the Act, an automobile lease can be terminated if a Service member entered into it before being

called to active duty for 180 or more continuous days, or if the Service member is making a PCS

move. The Act provides certain protections against repossession for installment contracts,

including automobile leases. If your ability to meet any financial obligation such as credit card

debt, loans or a mortgage has been affected by your military service you can have the interest

rate capped at 6% for the duration of your military obligation. To qualify, debts must have been

incurred before you came on active duty. If you are a defendant in a civil court proceeding, such

as a child custody suit, bankruptcy or administrative proceeding, the court must grant a minimum

90-day stay. You must meet certain requirements and request a delay. You may at any time

during your military service, or within 6 months after, apply to a court for relief of any

enforcement of obligations, liabilities or taxes incurred by you or a dependent prior to your

active duty. The court may grant stays of enforcement during which time no fine or penalty can

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accrue. Since the provisions under this act cover you while you are on active duty, you will have

to meet all applicable deadlines now that you are separating.

If you need more information about the Soldiers and Sailors Civil Relief Act, select “yes”.


21. State Veteran Benefits

Many states offer veterans benefits beyond the ones you would already be eligible for through

the Department of Veterans Affairs. These additional benefits may include educational grants

and scholarships, special exemptions or discounts on fees and taxes, home loans, veteran's

homes, and free hunting and fishing privileges. Each state manages its own benefit programs.

Benefits vary by state.

If you want to learn more about your specific state VA benefits, select “yes”.


22. Two-year Commissary and Post Exchange Privileges (Eligible Involuntary Separatees)

Service members who are involuntarily separated from active duty during the period beginning

October 1, 2007, and ending December 31, 2012, can use commissary and exchange stores for

two years beginning on the date of the involuntary separation. Service members entitled to a DD

Form 2 and/or DD Form 1173-1 upon separation are permitted to use Morale, Welfare and

Recreation facilities, including clubs, bowling centers and golf courses. Individuals who live in a

foreign country following their separation or retirement may lose commissary and/or exchange

privileges due to treaty, SOFA or military agreements between the United States and the host

country.

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If you would like to learn more about Commissary and Exchange privileges, select “yes”. If not,

select “no”.

23. Legal Assistance

Military installations have legal assistance offices available to assist you, at no cost, with will

preparation, powers of attorney, contract review, debit or credit problems, landlord-tenant issues,

family law, tax law and estate planning. Legal assistance provides quality legal services to

eligible persons while educating them on their personal legal rights and responsibilities. Legal

assistance officers are well-versed in the special issues facing individuals retiring or separating.

Before relying on a website for legal advice, contact your local installation legal assistance office

or use the Legal Services Locator to find your nearest military legal office. Retirees can use

installation legal and financial offices on a space-available basis. Depending on location, they

might have to wait to see a representative and, if they live overseas, might face restrictions.

Installation legal and financial offices specify the services available. It is helpful to call as far in

advance as possible.

If you would like more information about Legal Assistance, select “yes”.


24. Post Government (Military) Service Employment Restriction Counseling

All separating or retiring Service members are required to receive post government (military)

employment restriction counseling prior to leaving active duty. In summary, a personal lifetime

ban restricts any individual after they leave government service from representing another

individual or company to the government, regarding particular matters he or she worked on

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while in government service. An official responsibility ban restricts individuals, for two years

after leaving government service, from representing someone else to the government, regarding

particular matters that were pending under their responsibility during their last year of

government service. A trade or treaty ban restricts individuals, for one year after leaving

government service, from aiding, advising, or representing someone else regarding trade or

treaty negotiations that they worked on during the last year of government service. A

compensation ban on representation by others restricts individuals from accepting compensation

for representational services that were provided by anyone while they were a government

employee. There are additional restrictions for retired military personnel and Reservists in

foreign employment. To ensure you receive the correct information about these employment

restrictions, contact your installation legal office for counseling from an ethics official.

25a. Individual Transition Plan

The key to a successful transition is planning, which requires a carefully thought out Individual

Transition Plan, or ITP. The ITP is your game plan for your education, training and employment

objectives and can help you make a successful transition to civilian life. It is also a framework

you can use to achieve realistic career goals based upon your unique skills, knowledge,

experience, interests and abilities. The ITP is something you create for yourself with assistance

from your counselor using a checklist and planning sheets. The ITP helps you identify actions

and activities associated with your transition while also providing a framework to discover and

explore your interests and skills that might lead to potential career paths. Your ACAP Counselor

will guide you through the process of identifying and organizing those activities into manageable

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tasks. The ITP also helps you to establish a timeline for completing the activities you select.

Because you create your own ITP, you can modify it at any time.

If you want more assistance developing your ITP, select “yes”.

If you do not need help with your ITP, select “no”.

25b.

To assist your transition counselor, choose the selection that best describes your post-military

goals. If you select “Other”, provide an explanation in the space provided.

26a, b. Language Skills and Regional Expertise

The Department of Defense and other federal agencies have placed a high level of importance on

critical foreign language skills and regional expertise to meet emerging requirements during

times of need, crisis or national emergency. The Department of Defense and other federal

agencies may want to contact you in the future to determine if you would be willing to volunteer

your services or to offer you potential employment that would take advantage of your language

proficiency or regional expertise.

If you consent to being contacted by the Department of Defense for such purposes, select “yes”.


If you consent to having the Department of Defense share your information with other federal

agencies for such purposes, select “yes”.


27. Remarks

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Complete the following only if 8a is checked: Preseparation counseling was conducted 89 days

or less before separation or retirement.

Documents

RESERVE COMPONENT (RC) - taapmo.com Component Preseparation Briefing... · The VMET document is available to all eligible Service members online. You should download your VMET as