Chapter Leaders’ Symposium Select Benefit Topics
Transcript of Chapter Leaders’ Symposium Select Benefit Topics
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Chapter Leaders’ Symposium
Select Benefit Topics September 2015
Presented by
Shane Ostrom, CFP®
Lt Col, USAF (Ret) Deputy Director, Benefits Info Department Military Officers Association of America
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What’s on your mind?... • Survivor issues • Benefits • Financial • Personal affairs—personal or chapter level • Which specific programs?
– SBP – DIC – Former spouse – Remarriage – VA, DFAS, Medicare, Tricare, Social Security
• Working outside the home • Corporate employee benefits • Self-employment • Military transition to civilian life
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The Financial and Benefits
Information Office
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Our Mission
Recruit, Retain & Serve MOAA members and families thru accurate, timely,
comprehensive communications:
• Outreach Programs • Print / Electronic Media • Member Service
• Benefits Counseling • Financial Education
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Who’s Who in our office?
Director: Jim Carman, CAPT, USN Ret. Katherine O’Neill Tracy, CDR, USN Ret.
Paul Frost, CAPT, USN Ret. Shane Ostrom, CFP®, LtCol, USAF Ret.
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Outreach Programs
Inform & Educate – Conduct 120 Presentations a year:
• Retiree Appreciation Days • A/D Transition Seminars • G/R Benefits Seminars • Legislative-Benefits Updates • Financial Education • Spouse Outreach • MOAA Chapter Visits
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Financial and Benefits Info Opens Doors
• Financial Education • Active Duty Transition Seminars • Active Duty Career Courses • MOAA Chapters
• Web-based Financial Education Center • Provides timely financial information on broad range of topics
• Joint Seminars • Support TOPS Program & Career Fairs
• Answers Members’ Inquiries • General financial planning topics
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Impact Online & in Print
– Military Officer Magazine (MOM) • Rapid Fire features • Financial Forum • Other financial and health education pieces
– News Exchange (Bi-weekly online news ltr) • Benefits Information Articles • Financial Education Articles
– Publications & Checklists – Financial, Benefits, Health Care & Spouse
Web Content • Financial Blog: Financial Frontlines • Health Care Blog: Health Care Happenings
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Publications
On the way... Concurrent Receipt Guide
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Member Services
Expertise for AD, G/R, Retired, Survivors & Families in:
• Military Benefits • TRICARE • Social Security/Medicare • Veterans Affairs • Financial Planning & Education • Personal Affairs • Research & Publications • Spouse and Family Issues
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Personal Affairs
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Personal Affairs Personal Level
Gather Information Today
Get the Facts:
Use creditable sources
Review Annually
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Get Your Personal Affairs in order
Update your Will, Trust, Living Will
Gather Documentation
Complete ‘Personal Affairs Guide’
Personal Affairs Personal Level
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Documentation Readily Available • Birth Certificates • Marriage Certificates • Divorce Decree • Changes in name • User and Passwords
• Death Certificate • Separation Documents
– DD Form 214 – Retirement Orders
• Safe deposit boxes
Personal Affairs Personal Level
Use the ‘MOAA Personal Affairs Action Guide’
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Plan for Your Digital Estate
• Valued web pages • Collections of pictures • Web-based business • E-bay storefront • PayPal accounts • Social Media • Pictures, movies...
Create an Inventory
Know the user/password for all sites:
• Accounts • Shopping • Emails • Business sites • Social media • Documents • Computer log-in
Ensure trusts, POAs and wills provide access to digital assets to key survivors
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Service Records
• Order on-line at www.archives.gov/veterans/ • Phone: 1-866-272-6272 • Mail
– Use SF-180; get form on-line, VSO, VA, or request at: National Personnel Records Center, 1 Archives Drive, St. Louis, Missouri 63138
– Mailing addresses are on the form • Fax form to 314-801-9195
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Personal Affairs Personal Level
Money set aside – For surviving spouse – 60-90 days – Immediate living expenses after
sponsor’s death
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Why PA Committees? Chapter’s first response for member care & information
– Chapter Population is Aging – Survivor Assistance is Needed – Reference Source Close to Home
Personal Affairs Committees Chapter Level
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Help Your Survivors…Now!
• Potential Financial Benefits
• Entitlements • Personal Affairs • Personal Affairs
Workbook • Checklist
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Military Burial Guide
• Arlington National Cemetery
• State/Overseas/VA Cemeteries
• Entitlements to Interment
• Available On-Line only
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How You Can Help • Stay Informed • Advocate to improve benefit shortfalls • Promote our services, tools & publications
• Recommend us as Speakers • Network w/local AD, G/R, Ret. & Spouse/Family
activities • Provide personal POC’s in local organizations for us to
follow-up • Provide feedback - let us know:
• Your questions & concerns • How we can improve
• Support Your Chapters • Personal Affairs Committees • Auxiliary Liaisons
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Veteran Affairs
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General VA Topics
• Work with a Veteran Service Office (VSO) – Your County VSO or MOAA’s VSO office
• Not always about the service member… – Your situation can translate to survivor benefits
• Some don’t know about concurrent receipt – They haven’t applied to VA because they still think retired pay
will be docked
• Don’t work with a private firm – It’s a scheme to gain financial info access and cross sale
products
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Aid and Attendance and Housebound Programs
• Not easy as you may think • Must qualify for VA Pension
– Low-income program plus see yellow box • A&A and Housebound increase Pension
payments • Need for long term care assistance increases
income needs and can help qualify Wartime vet AND Age 65 or older, OR Totally and permanently disabled, OR A patient in a nursing home receiving skilled nursing care, OR Receiving Social Security Disability Insurance, OR Receiving Supplemental Security Income
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CHAMPVA VA Health Care for Families
• Family Members of Veterans
– Permanent & Total disability (service-connected)
– Service connected death – Die while having 100% disability
• No Tricare eligibles
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CHAMPVA VA Health Care for Families
• Effect of Remarriage – Prior to age 55; lose CHAMPVA – At 55 or +; keep it
• Remarriage Terminates
– CHAMPVA Restored
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Let’s Talk Military Benefits The Latest Info on Your Benefits
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Tricare Update
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TRICARE/TFL
The TRICARE Health Plan Serves more than 9.2 million beneficiaries!
Standard – Fee for service Extra – Preferred Provider
Prime – Managed care (HMO) Prime Remote
TRICARE For Life (TFL) – Eligible for Medicare Part A – Enrolled in Medicare Part B – Valid Military ID Card
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Military Retiree Health Coverage (Under Age 65)
• TRICARE Standard (Fee For Service) – $150/$300 Deductible – 20-25% Outpatient Copay – $250/Day or 25% Inpatient Copay – On Your Own to Find Doctor
• TRICARE Prime (HMO) – $278/$556 Annual Enrollment Fee – Copay: $12 Outpatient/$11 Inpatient – Guaranteed Access Standards
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TRICARE -- Pharmacy Benefit
• Military Treatment Facility (MTF)
• Tricare Retail Pharmacy (TRRx)
• Home Delivery • Not available if covered by another drug plan
• Out of Tricare network retail pharmacy
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Rx Co-Pays Point of Service
Generics Brand Name
Non-Formulary
MTF $0 $0 $0
Home Delivery (<90 day supply)
$0 $16 $46
Retail Network (<30 day supply)
$8 $20 $47
Non-Network (Annual Ded. Must Be Met)
Greater of $20 or 20% of total cost
Greater of $20 or 20% of total cost
Greater of $47 or 20%
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Tricare For Life Issues
• Tricare is a Medicare Supplement
• Tricare invisible to health care community • Just find a Medicare doctor • No need to mention Tricare
• Additional coverage adds complexities • Probably over insured
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2015 Medicare Part B Premiums
INCOME (Based on 2013 Tax Filing)
Monthly Premium per Person
Single Filer Married Filing Jointly
$85,000/below $170,000/below $104.90
85,001 - 107,000 170,001 – 214,000 $146.90
107,001 – 160,000 214,001 – 320,000 $209.80
160,001 – 214,000 320,001 – 428,000 $272.70
Above 214,000 Above 428,000 $335.70
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Medicare Part D Benefit
Military Retirees and Their Spouses or Survivors
DO NOT NEED to Participate in Medicare Part D
Programs
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Mail-Order/MTF Refill Requirement
• TFL-eligibles required to use mail-order for maintenance med refills only – Can still use military pharmacy – Can revert to retail after one-year trial – 95% who try mail like/stay with it – No retail refill refusal w/o supply of meds in hand
• Exemptions: – Nursing home patients – Certain critical meds – Other meds/patients deemed by DoD
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Health Care Hodge-Podge
• Tricare dental – www.trdp.org • Mail Order pharmacy – http://www.tricare.mil/Prescriptions or
(877) 363-1303
• Eye glasses – – Naval Ophthalmic Support & Training Activity – Free glasses—limited selection – Email at: [email protected] – Phone at (757) 887-7600 Option 1
• Long Term Care – – Federal Long Term Care program – www.ltcfeds.com
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Hearing Aids
“Retiree At Cost Hearing Aid Program” – Available at some base Audiology Clinics – Call in advance, travel and lodging not included – Usually a 2-day process – Cost is greatly reduced-- <$1000ish
Also check with VA— must be Service-connected
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Survivor Benefit Program (SBP)
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SBP: Social Security Offset Eliminated
SS Offset phased out April 2008 – Annuity payment is now:
• 55%* • 55% is the max payout
*Of Annuity “Base Amount” elected at retirement
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Paid-Up SBP
• 360 Months of Payments • >70 years of Age • No beneficiary, no premiums, no credit
toward paid-up benefit
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The SBP-DIC Offset; Still Not Fixed
• Social Security Offset was eliminated…
• The SBP-DIC Offset was not
• Offset is dollar-for-dollar:
SBP $ - DIC $ SBP “Benefit”
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Congress Admits SBP-DIC Offset Inequity
2008 and 2009 First Legislative Steps Established Special Survivor Indemnity Allowance (SSIA)
– 2008: Starting 2009, extra $50/mo payment with $10/mo added each yr for 5 yrs (2013)
– 2009: Extended SSIA 2014 – 2017; $150, $200, $275, $310
All SSIA stops in 2018
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Reserve Component SBP
RC-SBP has two premium payments • The RC portion – for Gray Zone coverage • Active portion – for after age 60 • Both paid at age 60
After member death… • RC premium stops now—recent change
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Social Security Survivor Benefits
• Widow or widower, full retirement age or older – Full benefit
• Widow or widower, age 60 to full retirement age – Reduced amount
• Disabled widow or widower, age 50 through 59 – Reduced amount
• Widow or widower, any age, caring for a child under age 16 – Reduced amount
• A child under age 18 (19 if still in elementary or secondary school) or disabled
– Reduced amount
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Permanent ID Cards
As of FY 2005... • Spouses & Survivors 75 & Older • Began Sep 05
As of FY 2007... • Disabled dependents • Began Jan 07 • Strings atchd—Financial support statement
still required
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The Effects of Remarriage on
Benefits & Programs for
Surviving Spouses
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Military Benefits
Upon Death of Military Member
Surviving Spouse remains eligible for all benefits
(medical care, commissary, exchange, theater, etc.)
Except space-available travel
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Military Benefits
Effect of Remarriage (to a non-service member)
Upon remarriage All
military benefits suspended
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Military Benefits
Remarriage Terminates all benefits
except medical will be reinstated
(if subsequent marriage ends in death or divorce)
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Military Survivor Benefit Plan (SBP)
Upon Death of Military Member
If elected SBP SBP Payments Begin
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SBP
Effect of Remarriage Before Age 55
SBP Payments Suspended
Remarriage Terminates SBP Payments Reinstated
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SBP
Effect of Remarriage On or After Age 55
SBP Continues
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Dependency & Indemnity Compensation (DIC)
DIC is awarded to a surviving spouse of a disabled veteran:
• If the death is attributed to an injury or disease incurred on active duty
– Or - • If the retiree had 100% VA disability rating – 10+ years – 5 continuous years from release of active duty
– Or - • Former POW rated 100% one year prior to death
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DIC
Effect of Remarriage Before Age 57 – DIC Suspended On/After Age 57 – DIC continues
Remarriage Terminates DIC Reinstated
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DIC & SBP Offset
• SBP is reduced – One $ for each $ received in DIC
• SBP premiums reimbursed –
– IF DIC is applied for within 1 year of service member’s death
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SBP & DIC
Effect of Remarriage Before Age 55
SBP & DIC Suspended
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SBP & DIC
Effect of Remarriage
On or After Age 55 but Before Age 57
DIC Suspended & SBP Increased*
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SBP & DIC
Effect of Remarriage On or After Age 57
BOTH SBP and DIC Paid In Full Thanks to the ‘Sharp Case’
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Social Security
Upon Death of Military Member
Can receive Social Security Survivor Benefits
Reduced rate Age 60
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Social Security
• Effect of Remarriage Before Age 60
Not Eligible on Members Record
• Remarriage Terminates
Eligibility Restored
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Social Security
Effect of Remarriage After Age 60
No Effect on
Social Security Entitlements
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CHAMPVA
• Effect of Remarriage Lose CHAMPVA • Remarriage Terminates CHAMPVA Restored
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Question & Answer and
Sharing
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Military Officers Association of America
Financial and Benefits Information 201 N. Washington Street
Alexandria, VA 22314-2539
1 800 234-6622 Email: [email protected]
Web: www.moaa.org
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