RAO

BULLETIN
15 December 2015

PDF/HTML Edition
THIS BULLETIN CONTAINS THE FOLLOWING ARTICLES
Pg

Article

Subject
* DOD *

04 == OPM Data Breach -------------- (Pentagon Self-Check Site Launched)

05 == Pearl Harbor --------------------------- (74th Anniversary of the Attack)
06 == DFAS Fraud [01] ----------------------------------- (Phony Audit Letter)
07 == DARPA [01] -------------- (Too Many Projects Enter Valley of Death)
07 == DoD Travel Restrictions ------------------------------------------ (France)
08 == Vet Unemployment ------------ (Lowest Rate since April 2008 | 3.9%)
09 == Women Military Career Fields --------------------- (SECEF Opens All)
09 == Selective Service System [12] ------- (Draft Registration for Women)
09 == Commissary Funding [24] --- (Guam Contract Change Raises Prices)
11 == POW/MIA [67] ------ (USS Oklahoma Exhumed Remains ID Begins)
12 == POW/MIA Recoveries ----------------- (Reported 151201thru 151231)
* VA *

14 == VA Vet Choice Program [27] -------------------- (Appointment Delays)

16 == VA CMOP ---------- (Charleston, S.C | 2.3M Prescriptions per Month)
17 == VA Pershing Hall Ownership ----------------------- Paris Luxury Hotel)
19 == VA Hepatitis C Care [07] ---------------- (Alarming Dip in Treatments)
19 == VISN [18] -------------------------- (Newly Assigned director Opts Out)

20 == VA Vet Choice Program [26] -------------------------- (Access Changes)

21 == VA Fort Still National Cemetery ------- (Awarded Gold Shrine Status)
22 == VA Employee Accountability (Mismanagement/Training Problems)
23 == VA Employee Accountability [01] - (Disciplinary Record Revelation)
24 == VA Employee Relocation -- (Improper/Illegal Payment | Recoupment)
25 == VA Appeals [14] ---------------- (Never ending Process Hurts All Vets)
26 == VA #VeteranOfTheDay --------- (How to Nominate Your Special Vet)
27 == VA Claims Processing [13] ---------------------- (Live Manual | M21-1)
28 == VAMC Tomah [13] ------------------ (100-Day Plan Released 27 NOV)
28 == VAMC Minneapolis [05] - (Legionnaires Disease Bacteria Detected)
29 == VAMC Loma Linda CA ------------- (Patient Recall for TB Exposure)
30 == VAMC Denver CO [02] --------------------- (Nurse-Hostage Situation)
30 == VA HCS Pittsburgh [04] ---------------------------------------- (TB Alert)
31 == VA HCS Pittsburgh [05] ------------------- (Mold Forces ICU Closure)
31 == VA HCS Alexandria VA --- (Nurses Aide Charged w/Manslaughter)
* Vets *

32 == Vet Toxic Exposure~Lejeune [56] ------ (Claim Approvals Drop 66%)

34 == Vet Incarceration ----------------------------------------- (Numbers Down)
34 == Korean War Mural ---------------------------------------- (Amherst, Ohio)
35 == Disabled Vet Leave Law (Fed Employees Hired After 5 NOV 2016)
36 == Bladensberg WWI Memorial [01] -- (MD Court Rules Constitutional)
36 == Memorial Desecration -------------- (Veterans Park Florence Alabama)
37 == Vet Employment/Education/Healthcare [01] - (Worsened Since 1992)
39 == Soldiers Memorial St. Louis MO ---------- (2-Year $30M Renovation)
40 == Vet Commercial Drivers License ----------- (CDL Skills Test Waiver)
40 == Vet Jobs [181] ------------------------ (Hire 500,000 Heroes Foundation)
41 == Obit: Sakato~George T ------------------------------------- (2 DEC 2015)
41 == Obit: Rubin~Tibor ------------------------------------------- (5 DEC 2015)
42 == NDAA for 2016 [18] ----------- (Korean War POWs Overdue Honor)
44 == Retiree Appreciation Days ------------------------- (As of 11 DEC 2015)
44 == Vet Hiring Fairs ------------------------------ (16 DEC thru 15 Feb 2016)
45 == WWII Vets 96 --------------------------------------------- (Hida~Takejiro)
46 == Vet State Benefits & Discounts ------------------------ (Minnesota 2015)
* Vet Legislation *

47 == Legislation of Interest [22] -- (VA Pain Management & Patient Abuse)

47 == VA Prescription Policy [05] ---- (H.R.4063/S.1641 | Opioid Over-Use)
48 == SBP Changes After Retirement [02] - (NDAA Reverses DFAS Policy)
49 == GI Bill [196] --------------------- (GI Bill Fairness Act S.602/H.R.1141)
49 == VA Suicide Prevention [28] - (Female Veteran Suicide Prevention Act)
50 == SVAC [14] ---------- (Committee Advances Key Bills | S.525 & S.290)
50 == Vet Bills Submitted to 114th Congress ----------- (151201 thru 151215)
* MILITARY *

51 == USS Zumwalt (DDG-1000) [05] ------ (Tumblehome Hull Concerns)

2

52 == GTMO Prison [02] ----------------------------- (Use of Women Guards)

53 == Army Service-Related Documents --------------------- (Tips to Obtain)
54 == Women in Combat [03] - (Why Carter Overruled Marine Arguments)
56 == B-52s Still Dominate ----------------------------------- (After 60 Years)
56 == NATO Medal --------------- (Operation Resolute Support Participants)
57 == China Island Building [01] --------- (Airstrips Might Soon Quadruple)
59 == Military Enlistment Standards 2015 [08] --------------- (Drug/Alcohol)
60 == Medal of Honor Citations ----------- (Harvey, Carmel Bernon Jr | VN)
* MILITARY HISTORY *

61 == Aviation Art -------------------------------- (Famous Four Minutes, The)

62 == Remember the 80s Navy [02] --------- (Things that No Longer Exist)
63 == Pearl Harbor Day Relics [01] ------- (Repatriated Wooden Talismans)
64 == Military Trivia 116 ------- (Vet Stats off the Vietnam Memorial Wall)
65 == MOH Nominee ---------------- (Master Sgt. Roddie Edmonds | WWII)
67 == Military History ------------------------------- (Battle of Palmito Ranch)
67 == WWII Ads -------------------------------------- (National Dairy Products)
68 == D-Day --------------------------------- (A Fallen Comrade Remembered)
68 == WWII Prewar Events -------------------- (Communist Execution 1919)
69 == WWII PostWar Events ----- (1946 Dr. Klaus Karl Schilling Hanging)
69 == Spanish American War Image 79 --- (Montauk, Long Island, in 1898)
70 == WWI in Photos 105 ------- (Capture of Archduke Ferdinand Assassin)
70 == Faces of WAR (WWII) ------- (Washington DC Parade (7) May 1942)
71 == Ghosts of Time ------------- (Then & Now Photos of WWII Sites (06)
72 == Military History Anniversaries ------------------------- (16 thru 31 Dec)
* HEALTH CARE *

71 == TRICARE Autism Care [14] --------- (Therapy Reimbursement Rates)

72 == Phantom Pain --------------------------- (Relief through Mirror Therapy)
73 == Tricare Pharmacy Copay [15] ---------- (New Maintenance Drug Rule)
74 == Flu Shots [07] --- (No-Cost Shots at Walgreens for VA Enrolled Vets)
74 == TRICARE Hip Surgery ----- (Benefit Expands to Cover FAL Surgery)
75 == TRICARE Help --------------------------------------------- (Q&A 151215)
* FINANCES *

76 == Store Credit Cards ------------------------------------------- (Pros & Cons)

77 == SBP DIC Offset [42] ----- (Advocates Hopeful for Congressional Fix)
78 == Debt Statute of Limitations [01] ------------- (Do Unpaid Bills Expire?)
79 == Cola 2016 [13] --------------- (Emergency Payment Legislation | 3.9%)
80 == Saving Money ----------------------------------------------------- (Batteries)
82 == Online Interview Scam ------------------------------------ (How it Works)
83 == iPhone 7 Testing Scam ------------------------------------ (How it Works)
83 == Chip Card Scam -------------------------------------------- (How it Works)
84 == Illinois Vet Property Tax ------------ (New Law Increases Exemptions)
85 == Tax Burden for Alabama Retired Vets ---------------- (As of Dec 2015)
86 == Tax Burden for Louisiana Residents ------------------ (As of Dec 2015)

87 == Thrift Savings Plan 2015 ------------------ (Returns as of 11 DEC 2015)

* GENERAL INTEREST

88 == Notes of Interest ------------------------------------- (1 thru 15 Dec 2015)

89 == Easy Ways to Stay Warm ------------------------------------------ (7 Tips)
90 == NORAD Santa Tracking [04] ------------------------ (60th Anniversary)
90 == Insurance Hall of Shame --------------------------------- (2015 Inductees)
93 == Overseas Mail Custom Form ----------------------- (Online Availability)
93 == Travel Packing Tips [01] ------------ (Fundamental Packing Strategies)
95 == Great Lakes --------------- (Things You Never Knew About the Lakes)
97 == Vision Test ---------------------------------------------- (Hidden Image 06)
97 == Brain Teaser -------------------------------------------- (Word Similarities)
98 == Photos That Say it All -------------------------------- (Losing A Friend)
98 == Most Creative Statues ------------------------ (Adelaide, Australia | Pigs)
99 == Interesting Inventions -------------------------------------- (iPhone Lens)
99 == Moments of US History --------------- (A Night at O'Reilly's Bar 1942)
99 == Parking ------------- (Revenge Tactic #9 against Inconsiderate Parkers)
100 == Have You Heard? -------------------------- (Babys First Medical Exam)
100 == Have You Heard? ------------------------------------- (Keep off the grass)
100 == Help!!! -------------------------- (Things that might make you say it (02)
101 == Brain Teaser Answer ---------------------------------- (Word Similarities)
Note:
1. The page number on which an article can be found is provided to the left of each articles title
2. Numbers contained within brackets [ ] indicate the number of articles written on the subject. To obtain previous
articles send a request to raoemo@sbcglobal.net.
* ATTACHMENTS *
.
Attachment - Veteran Legislation as of 15 Dec 2015
Attachment - B~52s Still Dominate U.S. Fleet
Attachment - Mil History: Battle of Palmito Ranch
Attachment Minnesota Vet State Benefits & Discounts DEC 2015
Attachment - Military History Anniversaries 16 thru 31 Dec
Attachment - Retiree Activity\Appreciation Days (RAD) Schedule as of 11 DEC 2015

* DoD *

OPM Data Breach

Pentagon Self-Check Site Launched

The Office of Personnel Management on Tuesday announced the official launch of a Pentagon-hosted website that
allows visitors to check if their personal data was stolen in a massive breach of sensitive background investigation
4

files. The OPM Verify Site can be found at https://opmverify.dmdc.osd.mil. About 21.5 million federal employees,
contractors and retirees were affected by the breach, which OPM disclosed last summer. The agency has been
mailing letters to hack victims since October. Late last month, OPM said it had mailed over 13 million notification
letters and was sending an average of about 800,000 a day. The self-check site is designed to allow hack victims who
never received a letter from OPM to check if their data was stolen. In addition, the site can help users who received
a letter but lost the PIN provided to sign up for free identity-protection services.
OPM is still in the process of notifying all hack victims and expects to finish in the next two weeks, agency head
Beth Cobert said in a blog post about the official launch of the verification system. We want to make sure that all
those impacted are notified and have the opportunity to take advantage of these services, Cobert said. So I urge
anyone who has not received a letter by the middle of this month and who believes his or her data may have been
taken, to reach out to the verification center so we can confirm your correct address and send you a letter." So far,
about 1.2 million people have signed up for the free credit monitoring offered by the government. [Source:
NextGov News Release | December 1, 2015 ++]
********************************

Pearl Harbor

74th Anniversary of the Attack

As the nation observed the 74th anniversary of the Dec. 7, 1941, attack on Pearl Harbor, Hawaii, the Defense
Department honored the men and women who sacrificed their lives, and those who fought to preserve the nation's
freedom.

U.S. Personnel Casualties

U.S. Ship Damage

Left to Right: The USS Arizona burns just after her forward magazines exploded, the crew abandons the damaged USS
California as burning oil drifts down on the ship, and the USS Shaw, left, sits in floating dry dock as the USS Nevada
burns

[Source: http://www.defense.gov/News/Special-Reports/1215_pearlharbor?source=GovDelivery December 5, 2015

++]
********************************

DFAS Fraud Update 01

Phony Audit Letter

Heads Up! A retiree received the below letter in the mail and brought it the Andersen AFB Retiree Office to ask
what it meant. They contacted DFAS Cleveland and faxed them a copy. After a few hours, Carla Williams from
DFAS Cleveland called back and said that this is a fraudulent letter and anyone in receipt of it should not to respond
to it.

[Source: RAO Andersen AFB msg. | Emmet Heidemann | November 13, 2015 ++]
********************************

DARPA Update 01

Too Many Projects Enter Valley of Death

The Pentagon's emerging technology agency is more interested in new ideas than it is in transitioning that
technology out of development, a new watchdog report claims. The Government Accountability Office's recent
report to Congress asserted that the Defense Advanced Research Projects Agency's programs "generally seek to
7

prove the art of 'what is possible' rather than refining, producing and delivering tactical equipment to warfighters."
The report concluded that DARPA's method of tracking "technology transition" -- migrating projects out of
laboratories into the commercial and military markets, or passing them along for further development -- was
unreliable, which could "undermine its ability to craft transition plans for new programs." GAO wrote new
technology often falls into the "valley of death," because buyers may want "a higher level of technology maturity
than the science and technology community is willing to fund and develop.
The report recommended DARPA publish more technical data about technology transition, and that it improve
training so managers learn about ways to advance DARPA projects. DARPA agreed only partially with the
recommendations; in comments appended to the report, Principal Deputy Stephen Welby said DOD was "concerned
with several findings that inaccurately characterize DARPA processes." But DOD doesn't have a standard definition
for "technology transition" throughout the department, GAO concluded, so agencies including DARPA are "free to
define and categorize technology transition for themselves." For instance, DARPA marked one project examining
ways to prevent "biofouling" (the vulnerability of naval ships to algae or barnacles) as a "transition" because it was
sent for "follow-on development," but GAO classified it as "nontransition" because program funding was
terminated.
GAO has brought up these problems in the past. In 2005, 2006 and 2013, the watchdog concluded DOD
technology projects face challenges especially in assessing outcomes. DARPA's director "delegates responsibility for
oversight and assessment of technology transition strategies to a subordinate office," GAO said. In a statement
included in the report, Welby argued that technology transition is a "key focus" for DARPA. In 2013, he noted, the
director mandated the Adaptive Execution Office should provide support on transition. After assessing a handful of
DARPA projects, GAO also found that successful technology transition can be linked to four main factors: military
or commercial demand; connection to research areas in which DARPA already has "sustained interest";
collaboration with transition partners such as potential federal buyers, or research institutions; and the "achievement
of clearly defined technical goals." [Source: NextGov | Mohana Ravindranath | November 25, 2015 ++]

********************************

DoD Travel Restrictions

France

United States European Command has implemented travel restrictions to France that apply to all Department of
Defense (DoD) personnel. Specifically, unofficial travel (leave, liberty and special pass) to France is prohibited. This
prohibition is for unofficial travel to Paris, and includes a 50-kilometer radius around the city. Official travel and
emergency leave travel to France requires approval from the first general/flag officer or SES in the chain of
command. This EUCOM policy applies to U.S. military personnel, DOD civilian employees, contractors and
command-sponsored dependents and family member. These restrictions do not apply to military personnel assigned
to diplomatic posts in France. [Source: Mil.com | Military Report | November 30, 2015 ++]
********************************

Vet Unemployment

Lowest Rate Since April 2008 | 3.9%

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A concerted national effort to hire veterans, coupled with their sought-after essential skills training, likely had an
effect on making Octobers veteran unemployment rate the lowest since April 2008, a Defense Department official
said Nov. 30. Susan S. Kelly, who leads DoDs Transition to Veterans Program Office, spoke to DoD News about
the October Bureau of Labor Statistics Report published by the Labor Department, which indicated that veteran
unemployment has been lower than the rate of nonveteran unemployment for 23 consecutive weeks. In October, the
veteran unemployment rate stood at just 3.9 percent, while nonveteran unemployment was 5.4 percent. Kelly said
she believes the drop in veterans unemployment stems from several factors, such as the economic upturn across the
country, as well as the many layers of effort in the public and private sectors to hire veterans.
In addition, she said, employers are seeking the professional essential skills ingrained in every veteran.
Employers have been telling us the last 18 months, We can train them in technical skills, but the [other skills] take
years to develop, Kelly said. Those essential skills include leadership, ability to handle work stress, persistence,
attention to detail, interpersonal skills, teamwork and team-building, oral and written communication, decision
making, training people, supervising, critical thinking and project planning, she said, adding that the philosophy
behind hiring veterans has evolved from the right thing to do to the smart thing to do. The heads of
corporations say they spend millions of dollars every year teaching their managers leadership skills, she said, and
employers have learned that veterans arrive at the workplace already equipped with these skills.
Not long ago, veteran unemployment among young veterans ranged in the double digits. When the White
Houses Joining Forces initiative began in 2011, it called on all sectors of society to hire veterans and spouses and
opened avenues for veteran employment, Kelly noted. At DoD, with the help of several federal agencies, Kelly led
the transformation of the Transition Assistance Program into weeklong, mandatory training for transitioning service
members, giving them the skills and knowledge necessary to secure jobs, seek education and pursue optional
training, such as how to start a business. More federal agencies, corporations and nonprofit organizations joined the
hiring effort and sought veterans for employment. For example, national retailer Wal-Mart launched the Greenlight
a Vet campaign to shine a light on how veterans enrich communities and to encourage hiring veterans, who are
known to take action quickly, show great leadership skills and represent the best of America, an organization
statement noted.
Several organizations, including the Institute for Veterans and Military Families; Team Red, White and Blue; Team
Rubicon; Blue Star Families; and the U.S. Chamber of Commerces Hiring Our Heroes program have also joined the
effort. Each one brings us a unique contribution to veteran unemployment, Kelly said.
While it was understood veterans had strong work ethics and skills, Kelly said, those basics werent codified
until DoD enlisted the Rand Corp. to study the combat arms profession -- the field with the fewest technical skills
transferrable to civilian employment. Since Rands study this year, it has endorsed hiring veterans and illustrated
how veterans essential skills line up very well with what the Labor Department, academia and economists named
as necessary in the 21st century workforce, she said. The professional standards taught to troops are an asset to the
civilian workforce during a time when the nation is challenged to fill what Kelly calls a gap in workforce skills.
She said that while DoD is delighted with the drop in veteran unemployment, the turnaround is an ongoing effort
that is continually adapting to new lessons learned. We look at these skills as an asset for the workforce, but our
veterans have an incredible amount of attributes that can be used in all aspects of community life, Kelly said. They
can be leaders, and in [those] I meet, I tell them to run for public office, because our nation needs leaders, and they
have what it takes for the betterment of all of community life. [Source: DoD News, Defense Media Activity |
Terri Moon Cronk | December 2, 2015 ++]
**********************************

Women Military Career Fields

SECEF Opens All

Secretary of Defense Ash Carter announced his decision 4 DEC to open all remaining military occupation specialties
to women. The move could open up about 220,000 combat arms branch positions primarily in the Army and Marine
Corps, as well as opportunities in the Navy SEALs and Air Force pararescue and tactical air control party fields,
among others. In making the announcement, Carter stressed that equal opportunity doesnt necessarily mean equal
participation in all specialties, and that there would be no quotas. DOD has 30 days in which to present its plan to
Congress. VFW National Commander John Biedrzycki said women have served honorably and bravely throughout
our nations history. We support this new opportunity that allows them to continue to serve in career fields
previously barred, not because of their ability, but solely because of their gender, he said. Serving in direct line
units, and especially in behind-the-line special operations units, are privileges that have to be earned, but as long as
the standards for the job are maintained, then the VFW wishes everyone much success. [Source: VFW | Action
Corps Weekly | December 4, 2015 ++]
********************************

Selective Service System Update 12

Draft Registration for Women

With the elimination of the combat exclusion clause, the next question is whether women will now be required to
register with the Selective Service System. According to officials, stay tuned. No decision will be made until
Congress has had time to review the Defense Department report, which will include their views on whether the
Military Selective Service Act should be changed. With few exceptions, all 18 to 25-year-old American male
citizens are required to register. Failure to do so is a felony, punishable by up to five years in prison and a $250,000
fine. The Selective Service System, which is a small, independent federal agency within the Executive Branch, is on
standby and prepared to act as directed. Right now, 16 million 18 to 25-year-old American males are registered;
adding women would more than double their workload. [Source: VFW | Action Corps Weekly | December 4, 2015
++]
**********************************

Commissary Funding Update 24

Guam Contract Change Raises Prices

Prices for fresh produce at commissaries in Guam have skyrocketed since 1 NOV when a new contract started
requiring the supplier rather than the Defense Department to pay for shipping goods, according to military families
stationed there. "I have been astonished at the prices here in Guam," Kelsey Pauxtis-Thomas, a pregnant Navy wife
who was moved to Guam with her husband early this fall, told Military.com. "I expected high but not like this. "In
the short time we've been here, we've seen organic lettuce go from $3.99 to almost $11. Fresh berries are at a
premium skyrocketing as high as $9. Here in Guam, most everything is frozen and thawed upon arrival including
dairy, milk and bread. Fresh vegetables and fruit are becoming a luxury item instead of a staple," she said. "At seven
months pregnant, I shouldn't be stressed about my grocery budget." Shoppers at the Orote commissary on Guam
Naval Base said that among the high produce prices this month was $7.47 per pound for some bell pepper varieties
and up to $10.69 a bag for packaged, pre-washed lettuce.

10

PricespostedearlythisweekattheOrotecommissaryonGuamNavalBase,Guam.

Under the previous fresh fruits and vegetables contract, the Defense Commissary Agency paid about $48 million
a year for sending fruit and vegetables by airlift or cargo ship to commissaries in Japan, Korea and Guam. The new
contract, however, eliminates that taxpayer subsidy and instead requires the contractor to pay shipping. That cost is
then passed on to the commissary and ultimately the shoppers in the price of the products. A sign in the Orote
commissary warns shoppers that prices might increase as a result of the change. "Starting November 1, due to a new
produce contract with a local supplier, some prices may increase while others decrease or stay the same," the sign
reads. "We ask for your understanding during this transition."
Shoppers told Military.com that the majority of produce increased in price, though some products did decrease,
such as unwashed bundles of Romaine lettuce, which fell from $3 each to under $2 each. Military families in Guam
do receive a cost of living adjustment (COLA) payment, the amount of which is dependent on paygrade, time in
service and number of dependents. An E-3 in Guam with two dependents receives about $22 a day, while an O-3
with two dependents receives about $30. But military family members said the survey deciding the COLA rates for
2016, which have yet to be released, was conducted before the new price increases. That means the new yearly rate
won't reflect the higher cost of living -- leaving less money in military families' pockets, they said. "My husband is
deployed and I looked at the cost of purchasing tickets to fly home for Christmas before the increase in prices at the
commissary and we could not afford it. We definitely won't be able to afford it now," Mary Moses, a Navy spouse,
wrote in a letter sent this week the House Armed Services committee chairman, Rep. Mac Thornberry, a Republican
from Texas.
The higher costs do not come as a total surprise. As part of the House version of the 2016 National Defense
Authorization Act, lawmakers blocked the commissary system from putting in place the new contract. The
provision, however, was not included in the final version of the bill which the president signed late last month. The
commissary annually receives about $1.4 billion in taxpayer funding. However, as part of the 2016 NDAA, defense
officials have been instructed to develop a plan for the agency to fund its own operating costs. Commissary officials
said while prices have fluctuated in Korea and Japan -- the two other countries served by the new contract -- Guam
has experienced the most dramatic change. They said they're working with the new contractor to find more local
produce sources so that produce shipped into the country does not have to be transported as far and to ship more
produce by boat rather than by airlift. "It is difficult to determine what the long-term change in price will look like
because of the volatility of fresh fruits and vegetables, however, we believe that the current fluctuations being seen
will be minimized early next year," said Kevin Robinson, a commissary spokesman. [Source: Military.com | Amy
Bushatz | December 11, 2015 ++]
**********************************

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POW/MIA Update 67

USS Oklahoma Exhumed Remains ID Begins

Inside an old aircraft factory at Offutt AFB Nebraska, behind the glass windows of a pristine laboratory, the lost
crew of the USS Oklahoma rests on special tables covered in black foam. Their bones are brown with age after 50
years in the ground and, before that, months entombed in their sunken battleship beneath the oily waters of Pearl
Harbor. Legs, arms, ribs, vertebrae. Some have blue tags tied with string, identifying the type of bone. Some have
beige tags, indicating that experts also want samples for DNA testing. They are the unidentified remains of hundreds
of sailors and Marines who perished 74 years ago when Japan launched a surprise air attack on Hawaii and plunged
the United States into World War II. Now, seven decades later, the government is trying to put names to the old salts
and teenage sailors who died when their ship was sunk by enemy torpedoes Sunday morning, Dec. 7, 1941.
Over the past six months, with a fresh mandate from the Defense Department, the bones were exhumed from a
cemetery in Hawaii and most were brought to a new lab here, where scientists have begun the task. The goal is to
send the men home. "It's important for the families," said Carrie Brown, an anthropologist with the newly created
Defense POW/MIA Accounting Agency (DPAA), which is doing the work. "For a lot of people, it's an event that
happened in their family history," she said, and that story "has been carried down sometimes (for) generations." "A
lot of people say, 'World War II. Who's even alive? Who even remembers?'" she said. "We need to get these guys
home. They've been not home for too long."

The USS Oklahoma was sunk by several bombs and torpedoes during the Japanese attack on Pearl Harbor, hawaii. A
total of 429 crew died when the ship capsized. The Oklahoma was righted and salvaged in 1943 and the remains of many
crew members were recovered. However, unlike most of the other battleships that were recovered following Pearl Harbor,
Oklahoma was too damaged to return to duty. She was eventually stripped of her remaining armaments and
superstructure before being sold for scrap in 1946.

At 7:45 a.m., on Dec. 7, the USS Oklahoma's 24-member band, like the bands of other ships in the harbor that
day, had assembled on deck for the morning colors ceremony. The ship had a complement of about 1,300, including
77 Marines. Almost certainly present on deck were Musician First Class Henri Clay Mason, whose wife, Mary May,
lived on Park Road, in Washington's Columbia Heights neighborhood; the band's leader James Booe, of Flagler
County, Florida; and bugler Lionel Lescault, of Worcester, Massachusetts. As they prepared to play, another band
member saw strange planes approaching. Then he heard explosions, and then over the PA system the alarm: "Air
Raid!" according to a history of the ship by author Jeff Phister.
Some musicians ran for cover and survived. Mason, Booe, Lescault and nine other band members were killed,
according to Phister and records in the National Archives. Their bodies were never identified. The Oklahoma's loss
of life at Pearl Harbor - a total of 429 sailors and Marines - was second only to the 1,100 lost on the USS Arizona,
whose wreck remains a hallowed Pearl Harbor historic site. Many Oklahoma sailors jumped overboard as the
crippled battleship rolled over in about 50 feet of water. But hundreds were trapped below decks. Thirty-two were
rescued by intrepid crews who heard them banging for help, cut into the hull and made their way through a maze of
darkened, flooded compartments to reach them. Others managed to escape by swimming underwater to find their

12

way out. Some trapped sailors tried to stem the in-rushing water with rags and even the board from a board game.
One distraught man tried to drown himself.

MIA Chaplain Lt. (j.g.) Aloysius Schmitt

A few managed to escape through tiny port holes - pushed by brave comrades who couldn't fit or were
determined to let others go first. Two who made that sacrifice were a Catholic priest, Lt. (j.g.) Aloysius Schmitt, the
ship's chaplain, and the ship's dentist, Lt. Com. Hugh Alexander, who had been in the Navy 20 years. Father
Schmitt's corroded chalice and water-stained Latin prayer book were found in the wreckage. The book was still
marked with a page ribbon for Dec. 8 prayers, including the Old Testament's Eighth Psalm. [Source: The
Washington Post | Michael E. Ruane | December 7, 2015 ++]
********************************

POW/MIA Recoveries

Reported 151201thru 151231

"Keeping the Promise", "Fulfill their Trust" and "No one left behind" are several of many mottos that refer to the
efforts of the Department of Defense to recover those who became missing while serving our nation. The number
of Americans who remain missing from conflicts in this century are: World War II (73,515) Korean War (7,841),
Cold War (126), Vietnam War (1,627), 1991 Gulf War (5), and Libya (1). Over 600 Defense Department men and
women -- both military and civilian -- work in organizations around the world as part of DoD's personnel recovery
and personnel accounting communities. They are all dedicated to the single mission of finding and bringing our
missing personnel home. For a listing of all personnel accounted for since 2007 refer to http://www.dpaa.mil/ and
click on Our Missing. If you wish to provide information about an American missing in action from any conflict or
have an inquiry about MIAs, contact:
Mail: Public Affairs Office, 2300 Defense Pentagon, Washington, D.C. 20301-2300, Attn: External Affairs
Call: Phone: (703) 699-1420
Message: Fill out form on http://www.dpaa.mil/Contact/ContactUs.aspx

Family members seeking more information about missing loved ones may also call the following Service
Casualty Offices: U.S. Air Force (800) 531-5501, U.S. Army (800) 892-2490, U.S. Marine Corps (800) 847-1597,
U.S. Navy (800) 443-9298, or U.S. Department of State (202) 647-5470. The remains of the following MIA/POWs
have been recovered, identified, and scheduled for burial since the publication of the last RAO Bulletin:
13

Vietnam
o-o-O-o-oKorea
The Department of Defense POW/MIA Accounting Agency (DPAA) announced 4 DEC that the remains of a U.S.
serviceman, missing from the Korean War, have been identified and will be returned to his family for burial with full
military honors. Army Sgt. Robert C. Dakin, 22, of Waltham, Mass., will be buried 12 DEC in his hometown. On
Dec. 12, 1950, Dakin was assigned to Company L, 3rd Battalion, 31st Infantry Regiment, 7th Infantry Division, and
was declared missing in action when his unit was attacked by enemy forces near the Chosin Reservoir during a
heated battle. A military board later amended his status to deceased when no information was available pertaining to
his loss.
Between 1990 and 1994, North Korea returned to the United States 208 boxes of commingled human remains,
which we now believe contain the remains of at least 600 U.S. servicemen who fought during the war. North Korean
documents included in the repatriation indicated that some of the remains were recovered from the area where Dakin
was believed to have died. In June 1999 and July 2001, remains were recovered in Kujang County, North Korea, and
in October 2000, additional remains and personal effects were recovered along the Kuryong River, North Korea. To
identify Dakins remains, scientists from DPAA and the Armed Forces DNA Identification Laboratory used
circumstantial evidence and two forms of DNA analysis, including mitochondrial DNA, which matched maternal
references, and autosomal DNA, which matched two sisters.

-o-o-O-o-oThe Defense POW/MIA Accounting Agency announced the identification of the remains of Army Pfc. David S.
Burke, 21, of Summit County, Ohio, who was lost fighting in North Korea on Nov. 27, 1950. He was assigned to
Company C, 1st Battalion, 24th Infantry Regiment, 25th Infantry Division, and will be buried with full military
honors on a date and location yet to be announced.
-o-o-O-o-oThe Defense POW/MIA Accounting Agency announced 8 DEC the identification of the remains of Army Pfc.
James M. Smith who was lost fighting in North Korea on Dec. 2, 1951. He was assigned to Company K, 38th
Infantry Regiment, 2nd Infantry Division.
World War II
The Department of Defense POW/MIA Accounting Agency (DPAA) announced 4 DEC that the remains of a
serviceman, unaccounted for since World War II, have been identified and are being returned to his family for burial
with full military honors. Marine Cpl. James D. Otto, 20, of Los Angeles, will be buried Dec. 8, in Arlington
National Cemetery. In November 1943, Otto was assigned to Company L, 3rd Battalion, 8th Marines Regiment, 2nd
Marine Division, which landed against stiff Japanese resistance on the small island of Betio in the Tarawa Atoll, in

14

an attempt to secure the island. Over several days of intense fighting, approximately 1,000 Marines were killed and
more than 2,000 were wounded. Otto was reported killed in action on the first day of the battle, Nov. 20, 1943.
In the immediate aftermath of the fighting on Tarawa, U.S. service members who died in the battle were buried
in a number of battlefield cemeteries on the island. In 1946 and 1947, the 604th Quartermaster Graves Registration
Company conducted remains recovery operations on Betio Island, but Ottos remains were not recovered. On Feb.
10, 1949, a military review board declared Otto non-recoverable. In June 2015, a nongovernmental organization,
History Flight, Inc., notified DPAA that they discovered a burial site on Betio Island and recovered the remains of
what they believed were U.S. Marines who fought during the battle in November 1943. The remains were turned
over to DPAA in July 2015. To identify Ottos remains, scientists from DPAA used laboratory analysis, to include
dental comparisons, which Matched Ottos records, as well as circumstantial and material evidence.

[Source: http://www.dpaa.mil | December 31, 2015 ++]

* VA *

VA Vet Choice Program Update 27

Vets Experience Appointment Delays

Ten years ago, Carlos Villarreal was serving as a Marine in Iraq when his compound was struck by mortars. He
suffered hearing loss, damage to his teeth and post-traumatic stress disorder. He now needs an MRI to diagnose the
severity of his nerve damage from the attack. But he hasn't been able to get a timely appointment at the U.S.
Department of Veterans Affairs hospital in Chicago, despite the fact the agency last year launched the Veterans
Choice program, which is supposed to allow former service members to seek care closer to home in such instances.
He's says he's been trying since July and still hasn't been able to have the test done locally. "In the entire health care
system, veterans are the only ones who are told where they have to go for care," said Villarreal, 30, of Hobart. "The
Choice program was supposed to take care of that. It hasn't."
Last year, the VA inspector general found that many veterans were waiting months for appointments and that
some had even died on while on the wait list. The secretary of the VA resigned over the matter. In response,
Congress enacted Veterans Choice. The program is designed to enable veterans who can't see a doctor within 30
15

days or live more than 40 miles from a VA facility to access a local provider. But several Northwest Indiana veterans
say they've had trouble accessing the program, being kept on hold for long periods of time and not having their calls
returned. Nationally, the number of veterans waiting more than 30 days for care has actually grown since Veterans
Choice was implemented last year.

Carlos Villarreal
John Jonikas, an Army veteran from Munster, recently needed an ultrasound of his abdomen but his appointment at
the Jesse Brown VA Medical Center, located on Chicago's west side, was more than a month out. He was told that,
through Veterans Choice, he could have the test done at a local facility. He lives roughly a half mile from Munster
Community Hospital. But after about a dozen calls to the Choice hotline without getting an appointment, the 68year-old gave up. He went to the Chicago VA hospital for the ultrasound, driving an hour-and-a-half each way,
because of road construction. "Every other day I was calling. You always get a different person. They want all your
information again and look it up and tell you, 'We're working on it,'" he said. "What good is this program if they
don't help you?"
The VA doesn't run the Veterans Choice program but has outsourced that job to two outside vendors, including
Arlington, Va.-based Health Net Federal Services, which handles Northwest Indiana. In 2013, that company signed a
five-year, $5.1 billion contract with the federal government to coordinate community-based care for veterans.
Region vets do not make their Choice appointments directly with local hospitals but must have them scheduled
through Health Net. "We've heard veterans calling those call centers have had delays in accessing their information,"
said Gene Migliaccio, deputy chief business officer for purchased care for the VA. "We're working with our vendors
to ensure we're toward our goals of appointments within 30 days, scheduled within five." He noted the program was
recently tweaked so appointment schedulers will now contact veterans after getting an authorization rather than
waiting for them to call in. He also said Veterans Choice recently expanded its eligibility requirements to include
such factors as the weather, the veterans' health status and how often they need the service in question. "We
apologize for any frustrations veterans may have had with scheduling their appointments," said Brad Kieffer, a
spokesman for Health Net. "Health Net Federal Services is committed to providing excellent service, and we are
making some changes that we expect will improve our service. These improvements include adding staff and
strengthening training to improve workflows and expedite the overall scheduling process."
U.S. Sen. Joe Donnelly (D-IN) and U.S. Rep. Pete Visclosky (D-IN) are also asking the VA to consider travel
times rather than just distances when deciding program eligibility, taking into consideration traffic congestion and
transportation to and from shuttle stops. They have cited as an example Northwest Indiana veterans who have to
travel to the VA hospital in Chicago. Donnelly also sponsored a provision in the recent defense spending law that
incentivizes community providers who receive training in veteran-specific health care issues. In a statement, the
senator said he's aware some Hoosier veterans have experienced difficulties with the Choice program and is working
with his colleagues in Congress to expand community care for vets. Kevin Spicer, a spokesman for Visclosky, said
veterans unable to access the Choice program should contact the congressman's office and a caseworker will work
with them to schedule an appointment.

16

According to the VA, of the 1,068 authorizations so far for Veterans Choice patients at Jesse Brown, 851
appointments were scheduled, a success rate of 79 percent. Less than half of those appointments were completed.
Since it signed up for the program the middle of this year, Methodist Hospitals, which has campuses in Gary and
Merrillville, has treated only four veterans. "We've reached out the VA to try to expand our opportunities there," said
Matt Doyle, chief financial officer for Methodist Hospitals. "We've not had success."
Tom Pappas, a veteran and retired steelworker who lives in Portage, says Indiana lawmakers and health care
providers should look at this as an economic issue. He submitted a Freedom of Information Act request with the VA
and found that veterans from Northwest Indiana (Lake, Porter, LaPorte, Newton, Jasper and Starke counties) were
spending at least $45 million annually on care in Chicago. "Let's keep the veterans here. Let's put that money back
into the local economy. Let's get back some jobs for people," said Pappas, who himself has had luck with the
Veterans Choice program; an official contacted him to let him know he was eligible. Since the Adam Benjamin Jr.
Outpatient Clinic in Crown Point is within a 40-mile drive for many Northwest Indiana veterans, they still often
have to drive there, then take a shuttle to the VA hospital in Chicago, turning a medical appointment into an all-day
affair. "We served our country. We didn't run and hide. We raised our right hands and did what our country told us to
do," Pappas said. "We should have a choice where we get our secondary care at. We should be treated like first-class
citizens."
Bill Stack, a Crown Point veteran, was able to get an MRI through the Choice Program, at St. Mary Medical
Center in Hobart. But it took multiple phone calls and hours spent on hold with Health Net, he said. "It was a
positive outcome," the 70-year-old said. "The hang-up I had was when I called the Choice Program. I would talk to
this person, that person, for 80, 90 minutes."
Shawn Sherwood served with the Navy in Afghanistan in 2010 and 2011, injuring his back when his battalion
was hit with rocket fire. A few months ago, his bulging discs started acting up, to the point where he was taking days
off work and unable to get out of bed for church on Sunday. Because of claustrophobia caused by PTSD, he can't get
a traditional MRI, the only kind offered at the VA hospital in Chicago. But he was told he could do an open MRI
through the Choice Program. On the first call to Health Net, he said, he was on the line for 18.5 minutes before it
was disconnected. The second call lasted 22 minutes before he was hung up on. The third call, 32 minutes. It took
four weeks to determine his eligibility, two months to get an appointment, he said, and that happened only after he
reached out to the VA outpatient clinic in Crown Point for help. "Veterans Choice, if it was run correctly, would be a
godsend to us. It just isn't run properly," said Sherwood, 44, a South Haven teacher. "You're supposed to have a
'choice.' We don't." [Source: Northwest Times (NWI) | Giles Bruce | December 14, 2015 ++]
********************************

VA CMOP

Charleston, S.C | 2.3M Prescriptions per Month

In a nondescript building in North Charleston, S.C., thousands of tiny orange bottles jostle along automated
conveyor belts, jockeying for position as they traverse the interior of the 75,000 square foot Consolidated Mail
Outpatient Pharmacy (CMOP). The facility, one of only seven in the entire nation, fills, packages and distributes
more than 110,000 prescriptions every day for Veterans residing in the southeast and elsewhere. The Charleston
CMOP partners with the Ralph H. Johnson VA Medical Center in Charleston to deliver millions of prescriptions to
Veterans every year, thus eliminating most of the burden on the hospitals in-house pharmacy. We fill about 80
percent of the prescriptions needed by Veterans at the Charleston VA Medical Center and the Community Based
Outpatient Clinics, said Duane Dunning, Charleston CMOP liaison pharmacist. Often we have around a 30 hour
turn-around time. It usually only takes about two and a half days from the time the Veteran requests the refill to
when its delivered to their mailbox or doorstep.
This efficiency means that Veterans are able to count on getting their necessary medications quickly and with
very little delay or hassle. Patients no longer have to sit in long lines at the hospital or clinic pharmacy to refill
17

prescriptions in person. The Charleston CMOP is a highly automated facility with numerous established checkpoints
and tracking systems in place that ensure patient safety. Our goal is to deliver the right medication to the right
patient every time, said Dunning. We have an excellent track record too. In a typical month, we process 2.3
million prescription orders. Of those, we usually only have two or three dispensing errors, such as the patient
receiving the wrong medication, or the wrong number of pills, or a patient receiving a medication they did not
order. To put that in perspective, we like to equate it to easily identifiable and sometimes comical statistics, said
CMOP Associate Director Lisa Harle. For instance, you have a better chance of getting struck by an asteroid, of
dating a supermodel, or of being harmed by a toilet seat than you do of getting the wrong prescription or dosage
from this CMOP.

The Charleston CMOP is also one of only two facilities in the country that can fill prescriptions for controlled
substances. The Charleston pharmacy handles orders for patients residing east of the Mississippi River, while the
CMOP in Murfreesboro, Tenn. processes those being mailed to patients west of the Mississippi, according to
Dunning. VA also has CMOPs in Chelmsford, Mass., Hines, Ill., Leavenworth, Kan., Dallas and Tucson. Patients
have several ways to request refills through the CMOP. They may call in to the Ralph H. Johnson VA Medical
Centers automated system at 843-577-5011, order refills online through VAs electronic health management system,
My HealtheVet, or mail in a refill slip.
In September 2014, the CMOP added the capability to check the status of prescriptions 24 hours a day, 7 days a
week through the VAs new online tracker system. Veterans with Advanced or Premium My HealtheVet profiles can
log in to their accounts and access shipping information, carrier tracking numbers and their prescription histories
under the pharmacy tab. While this technology allows Veteran patients to quickly find pertinent information
regarding their medications handled by the CMOP, Veterans are also still able to call in to the Charleston VA
pharmacy to inquire about the status of their refills.
Last year, the seven VA mail-order pharmacies filled and sent out 117 million prescriptions, according to Kenneth
Siehr, national director for CMOP. This year, they are on track to process 121 million orders. Additionally, the
CMOPs have recently received the highest customer satisfaction score in a J.D. Power and Associates survey for the
fourth year in a row. Veterans ranked their experience with the mail-out pharmacies higher than most civilian brickand-mortar pharmacies. We really offer an invaluable service to Veterans, Dunning said. We save them time and
energy and safeguard their well-being. Automation is so much safer and is more efficient than manual distribution,
which is often riddled with human error. We are proud to do our part for our Veterans and we continue to try and
streamline the process every day making it quicker, more cost-effective and safer for the patients. [Source:
VAntage Point | Meredith Hagen | December 10, 2015 ++]
********************************

Pershing Hall Ownership

Paris Luxury Hotel

18

Congress thinks its time the scandal-plagued Department of Veterans Affairs got out of the Parisian luxury hotel
business. Pershing Hall is a five-star boutique hotel in the heart of Paris, where rooms cost $500 to $900 a night. The
building, which once housed a brothel among other unsavory businesses, was purchased by the America Legion in
1928 to honor World War I general John "Black Jack" Pershing and his troops. The U.S. government acquired the
property in the 1930s after years of neglect and in 1991 transferred authority for the site to the VA, which almost
immediately started looking for ways to sell the place. The agency found a solution in 1998 when it signed a 99year-lease with a French firm. The extraordinarily long lease, due to expire in 2097, was required under French law
so the firm could invest millions to renovate the building, eventually turning it into a fancy little hotel a few blocks
from the Seine.

Pershing Hall hotel is just 280 yards from the Champs-Elyses and a 10 minute walk from the Arc de Triomphe. It offers
a spa and gym and an atrium with a unique vertical garden growing up the wall. Rooms start at $361 a night

As the VA works to recover from last years scandal over mismanaged healthcare and regain trust on Capitol
Hill, Rep. Mike Coffman (R-CO), who chairs a House Veterans Affairs Committee subpanel, plans to introduce a
bill that would allow the department to divest itself of Pershing Hall and funnel the money toward domestic
construction projects. Managing property leases in Europe is not a core-competency of the Department of Veterans
Affairs, Coffman, a Marine Corps veteran, said Wednesday in a statement. Its ridiculous that construction projects
in Colorado and elsewhere remain unfunded while VA keeps a ritzy Parisian hotel on its books. How much VA
would actually get for the property is unclear, since most of the price estimates were done before the building was
rehabbed. In 1990 agency officials estimated the value between $80 and $100 million. In 1993 the non-partisan
Congressional Budget Office assumed the department could sell it for about $14 million.
Coffmans legislation, which he plans to introduce with three Democratic cosponsors after ironing out kinks with
the VA and the American Legion, would require the department to pick a non-department entity such as the General
Services Administration or a private real estate firm to conduct an assessment of the propertys value. The
department received two initial fixed payments from the lease: $533,000 in 1998 and $467,000 in 2000. The lease
also calls for payment of periodic rent of 800,000 French francs between 2001 and 2014, and 1.2 million francs
between 2014 and 2097; presumably those payments would be converted to euros, which France adopted in 1999.
Any proceeds from the sale would be placed in the VAs construction coffers. Those accounts have come under
intense scrutiny in the last year, especially after the department announced earlier this year it would cost around $1.7
billion to build a replacement hospital in a Denver suburb, more than five times the facilitys original $328 million
price tag. Congress found a way to pay for the 184-bed facility in September, so any money from selling Pershing
Hall would go to other projects. Influential veterans service organizations such as the Veterans of Foreign Wars and
even the VA itself support Coffmans idea. The VFW believes that VA should not be on the hotel business, but
disposal of the hotel should be a business decision and not just an effort to no longer own the building, Raymond

19

Kelley, the groups legislative director, said earlier this week during a House VA hearing. [Source: The Fiscal
Times | Martin Matishak | December 10, 2015 ++]
********************************

VA Hepatitis C Care Update 07

Alarming Dip in Treatments

The Veteran Service Organization (VSO) community has been pleased and even relieved to see several new drugs
come onto the market over the past two years that can now cure most veterans who were unknowingly infected with
hepatitis C virus (HCV) during the course of their military service. Congress responded quickly and generously to
the Department of Veterans Affairs requests for emergency supplemental appropriations to allow the department to
offer these new life-saving and long-term cost-saving treatments to veterans infected with HCV. In fact, the Senate
Appropriations Committees subcommittee on Military Construction and Veterans Affairs (MilConVA) provided
$200 million above and beyond the VAs initial request for FY2015 supplemental funding for veterans HCV
treatments, and we remain highly optimistic that the final VA appropriation, whether as a stand-alone bill or as part
of an omnibus, will now reflect an even greater level of investment in treating and curing veterans with HCV in light
of the recent budget deal.
Throughout the course of 2015, the veteran community has been pleased to see VA patient data reflect an
increasingly aggressive approach to treating HCV within the veteran population. In fact, as we neared the end of the
fiscal year in September, the VA was treating up to 1,700 new veterans each week for HCV infection. However, as
encouraged as we were by this trend, we are equally dismayed and alarmed now by the trend we saw reflected in VA
treatment data immediately following the start of the new fiscal year. Despite the fact that Congress appropriates
VAs medical services account a full year in advance precisely to avoid a slowdown in VA services and treatment
should there be any fiscal uncertainty with the rest of the government at the start of a new fiscal year, VAs treatment
of veterans with HCV dropped astoundingly to less than 400 for the first week of October, and has remained
alarmingly low since then.
Congress has provided and continues to provide every dollar that VA has asked for to offer veterans infected with
HCV with the latest breakthrough medical treatments and to generously and fully fund all medical services provided
by the VA. Furthermore, until the new MilConVA appropriations bill with supplemental HCV funding for FY16 is
passed into law, VA knows that it can borrow from within its medical services account to continue its previously
aggressive pattern of treatment of veterans with HCV infections.
There is, therefore, no fiscal, logical,
administrative, or other reason for VA medical providers to be halting or slowing treatment of veterans with HCV
following the start of the new fiscal year. The VA should be continuing to treat as many veterans as it is able to with
the money that it has currently available in line with established clinical guidelines.
Good stewardship of the money that Congress appropriates to the VA is of paramount concern to the VSO
community and to the veteran community writ large, and we intend to closely monitor this trend over the next few
weeks and months in order to observe and publicize, if necessary, whether the Veterans Health Administration
returns to acting good faith in aggressively treating cases of HCV. In the meantime, the VA should review its own
prescription and treatment data for HCV patients and be proactive in ensuring that as many veterans as possible with
HCV continue to receive the care and treatment that Congress intended for VA to expeditiously provide. [Source:
The Hill | Diane Zumatto | December 9, 2015 ++]
********************************

VISN 18

Newly Assigned director Opts Out

20

A Department of Veterans Affairs administrator who was assigned to lead the beleaguered Southwest regional
health-care system has opted not to take the job at the last minute. A spokeswoman for the VA Southwest Health
Care Network, known as VISN 18, said Skye McDougall elected to take a similar assignment in Mississippi just as
she was scheduled to take the helm at the regional office based in Gilbert. Last month's selection of McDougall to
oversee Veterans Integrated Service Network (VISN) 18 drew flak from VA critics because of perceived baggage she
would carry into a region that includes Phoenix VA Medical Center, the launch point for a national controversy over
the department's management and medical care for veterans. McDougall, as director of the Desert Pacific Health
Care Network covering Southern California, testified in March before the House Committee on Veterans' Affairs
that Los Angeles veterans were waiting just four days for doctor appointments. A subsequent CNN report based on
VA data and whistleblower complaints described that statement as "simply not true," and said metro-LA veterans
were waiting an average of 48 days.

Skye McDougall

In an e-mail to The Arizona Republic, McDougall said the controversy played no role in her change of heart.
"After careful consideration of the position and the needs of my family, I decided to pursue other opportunities and
look forward to leading VISN 16," she wrote. VISN 18 covers Arizona, New Mexico and, until recently, a portion of
west Texas that included El Paso. The VA has announced plans to shut down the Southwest regional administration,
subsuming it into the Los Angeles network. No timeline has been announced for that change. In the meanwhile,
Kathleen Fogarty will continue as interim head of VISN 18 while also serving as director of the regional VA office
based in Kansas City, Mo. [Source: The Arizona Republic | Dennis Wagner | December 7, 2015 ++]
********************************

VA Vet Choice Program Update 26

Access Changes

The Department of Veterans Affairs (VA) today announced 1 DEC a number of changes to make participation in the
Veterans Choice Program easier and more convenient for Veterans who need to use it. The move, which streamlines
eligibility requirements, follows feedback from Veterans along with organizations working on their behalf. As we
implement the Veterans Choice Program, we are learning from our stakeholders what works and what needs to be
refined, said VA Secretary Robert A. McDonald. It is our goal to do all that we can to remove barriers that separate
Veterans from the care they deserve. To date, more than 400,000 medical appointments have been scheduled since
the Veterans Choice Program went into effect on November 5, 2014. Under the old policy, a Veteran was eligible for
the Veterans Choice Program if he or she met the following criteria:
Enrolled in VA health care by 8/1/14 or able to enroll as a combat Veteran to be eligible for the Veterans
Choice Program;
Experienced unusual or excessive burden eligibility determined by geographical challenges, environmental
factors or a medical condition impacting the Veterans ability to travel;
Determined eligible based on the Veterans current residence being more than 40 miles driving distance
from the closest VA medical facility.
Under the updated eligibility requirements, a Veteran is eligible for the Veterans Choice Program if he or she is
enrolled in the VA health care system and meets at least one of the following criteria:
21

Told by his or her local VA medical facility that they will not be able to schedule an appointment for care
within 30 days of the date the Veterans physician determines he/she needs to be seen or within 30 days of
the date the Veteran wishes to be seen if there is no specific date from his or her physician;
Lives more than 40 miles driving distance from the closest VA medical facility with a full-time primary
care physician;
Needs to travel by air, boat or ferry to the VA medical facility closest to his/her home;
Faces an unusual or excessive burden in traveling to the closest VA medical facility based on geographic
challenges, environmental factors, a medical condition, the nature or simplicity or frequency of the care
needed and whether an attendant is needed. Staff at the Veterans local VA medical facility will work with
him or her to determine if the Veteran is eligible for any of these reasons; or
Lives in a State or Territory without a full-service VA medical facility which includes: Alaska, Hawaii, New
Hampshire (Note: this excludes New Hampshire Veterans who live within 20 miles of the White River
Junction VAMC) and the United States Territories (excluding Puerto Rico, which has a full service VA
medical facility).

Veterans seeking to use the Veterans Choice Program or wanting to know more about it, can call1-866-606-8198
to confirm their eligibility and to schedule an appointment. For more details about the Veterans Choice Program and
VAs progress, visit: www.va.gov/opa/choiceact .[Source: VA News Release | December 1, 2015 ++]
********************************

VA Fort Still National Cemetery

Awarded Gold Shrine Status

Staff and volunteers who work at the Fort Sill National Cemetery were recognized 3 DEC for achieving Gold Shrine
status. It's one of only six national cemeteries in the country to attain the Gold Shrine level. And, it's only the 21st of
133 national cemeteries to be named a National Shrine for not only meeting but exceeding national standards set by
the National Cemetery Administration of the U.S. Department of Veterans Affairs. Steve Best, VA's regional director
for its 10-state Continental District based in Denver, presented Bill Rhoades, director of the Oklahoma National
Cemetery Complex that includes Fort Gibson National Cemetery as well as this one, with a framed copy of the
scorecard. It was signed by Ronald E. Walters, VA's interim principal deputy undersecretary for memorial affairs,
and Matthew Sullivan, deputy undersecretary for finance and planning.

Fewer than 5% of VAs National Cemeteries have received this distinction

As part of the Organizational Assessment and Improvement (OAI) program, both Fort Sill and Fort Gibson
national cemeteries were assessed the last week of July on how well they stacked up in 144 different categories,
Rhoades said.
The team that did the assessment looked at the cleanliness, height and alignment of headstones, turf, customer
satisfaction surveys, conditions of the facility, safety issues and the way finances are handled. Fort Sill National
Cemetery met or exceeded the national standard in 142 or the 144 categories. Most of those were 95s but a few were
22

100 percent. The scores mean the staff and volunteers are fulfilling their obligations to the nation's veterans, Best
said. "When we place a casket in a gravesite, there is no room for error. Our standard is zero errors," Rhoades said.
The Fort Gibson National Cemetery has been deemed a National Shrine as well, but there are two levels, and it falls
in the Green Shrine status, just below Gold.
The Fort Sill National Cemetery has a staff of six, all of them veterans, so it's veterans taking care of veterans,
noted Marty Talley, wage lead for the cemetery. In addition to the paid staff, there are more than two dozen
extremely important volunteers who make contact with funeral homes the day of a service and help loved ones
locate gravesites, he noted."This is a dedication, and if we don't enjoy doing what we're doing, it's a job and we've
got the wrong mix of people in here. It's a sacred trust. The guys who come in every morning, they're already
thinking about what has to be done. We're planning not only the day but the day after, and the week, and the month.
And that's why we did so well on this, because we didn't wait until the week before they showed up to start doing
things. We started a year ago, and every day we took these areas and started peeling them apart and saying, 'Are we
really doing this? We've got to do better,'" Talley said.
The Fort Sill National Cemetery was the second national cemetery to be constructed in Oklahoma and became
the 120th national cemetery to be administered by the National Cemetery Administration. It lies in southwestern
Oklahoma, approximately 75 miles from Oklahoma City and five miles north of Lawton. The Cemetery is located at
2648 NE Jake Dunn Road, Elgin, OK 73538 Tel: 580-492-3200/3208F. It has space available to accommodate
casketed and cremated remains. To schedule a burial Fax all discharge documentation to the National Cemetery
Scheduling Office at 1-866-900-6417 and follow-up with a phone call to 1-800-535-1117. Visitation hours are daily
from 7:00 a.m to 6:00 p.m. [Source: The Lawton Constitution | Mitch Meador | December 3, 2015 ++]

********************************

VA Employee Accountability

Mismanagement/Training Problems

In the wake of backlash against the Department of Veterans Affairs for not cracking down hard enough on employee
accountability, its watchdog group released three new reports this week that demonstrate continuing problems at VA
hospitals. The VA inspector generals office released reports on hospitals in Ohio, Maryland and Virginia that
showed evidence of mismanagement and staff training problems.

The first report, released 1 DEC, evaluated the VA medical center in Cleveland, Ohio, and found some
staff were not trained in how to issue barcode identifiers for patient files, and the hospital attributed it to
difficulties that contract employees have getting into the system for basic matters like background and
fingerprinting and issuance of personal identity verification badges, pagers, or lockers. Until such
contract employees were fully integrated into the VA system, they had no access to equipment,
computers or training. In the process, some staff shared test operator identifications and improperly
23

entered patient identifiers, the IG report concluded, so the laboratory staff in the hospital were unable
to match the correct lab results with the correct patient files. Staff were also found to have not been
trained in facility policy and procedure, but were performing tests on patients.

The second report, also released 1 OCT, evaluated the mental health residential rehabilitation program at
the Baltimore VA hospital. The IGs office found that staff at the Baltimore clinic had not been
documenting significant clinical events in patients electronic health records, including pertinent facts,
findings, and observations about a patients health history, past and present illnesses, examinations, tests,
treatments, and outcomes, leaving some patients with incomplete records.

The third evaluation was of the Salem, Virginia VA medical center, and the IG report found that half of
the inspected areas of the hospital did not have medications awaiting destruction stored separately from
those available for administration. Medication is also supposed to have an expiration date posted on the
vial, and in half of the hospitals inspected areas, the watchdog group found that vials were labeled with
incorrect expiration dates. The hospital also had 10 independent practitioners working with patients, all
of whom had non-allowed information in their files. The IG also found that equipment needed
replacing three of seven units had damaged wheelchairs and a third of the clinics failed to
properly disinfect equipment between patients.

The VA has been criticized in recent weeks for demoting two senior executives instead of firing them for a
scheme they orchestrated to transfer to new posts. As part of this scheme, they also took nearly $400,000 in
relocation bonuses the IGs office concluded they didnt deserve, but the VA has not made any moves to recoup the
money. On 3 DEC, VA officials announced that they were putting the demotions on hold after a paperwork mix-up
did not allow the employees to have complete access to evidence approving the demotion and is giving them an
extended appeals process, drawing the ire of lawmakers and veteran service organizations. The beleaguered agency
has been under intense scrutiny since an IG report was released last year saying that 40 patients at a Phoenix,
Arizona hospital died while languishing on a secret waiting list manipulated by employees to make wait times seem
shorter than they were. The scandal led to former VA Secretary Eric Shinsekis resignation and calls for reform from
lawmakers in Congress. [Source: The Washington Times | Anjali Shastry | December 4, 2015 ++]
********************************

VA Employee Accountability Update 01

Disciplinary Record Revelations

Some Veterans Affairs employees weren't fired despite severe cases of misconduct according to a NBC Washington
News 4 I-Team investigation. A review of agency disciplinary records shows agency leaders issued reprimands or
brief suspensions to dozens of employees who'd engaged in misconduct in recent months at Veterans Affairs (VA)
medical centers in Washington, D.C., Maryland, and Martinsburg, West Virginia. Jeff Miller, the chairman of the
U.S. House Veterans Affairs Committee, said some of the discipline was too lenient and that it's an indication the
agency is failing to hold workers accountable for bad actions. "We're talking about people's lives being endangered
in some of these cases," Miller said. The I-Team also found a recent series of acts of employee misconduct at the
Martinsburg Medical Center. More than 300 employees have been disciplined at the three medical centers, according
to records obtained by the I-Team via the Freedom of Information Act. They include:
One VA Maryland Health System employee was reprimanded for failing to treat a patient who'd suffered a
head injury in a medical center hallway.
In another case, an employee was issued for for leaving a medicine cart unattended at the D.C. VA Medical
Center.
Some employees had sex on the facility grounds, according to the records.
In another case, an employee was found sleeping while on the job, beneath a blanket in a patient room.
Another employee was investigated for being high on cocaine while on duty.
24

Another worker was arrested for distribution of heroin off-the-job, but was allowed to return to work.
In an 2013 incident, the agency suspended a Martinsburg employee for bringing a loaded gun and a knife
onto the grounds.

Miller said the I-Team's findings indicate the U.S. Department of Veterans Affairs fails to hold all of its
employees accountable for bad actions. In a statement, the Department of Veterans Affairs said, "Where
performance or conduct issues warrant removal, VA takes appropriate action to terminate employment." An agency
spokeswoman explained the decision to issue only a suspension to the employee found with the gun and the knife,
which are strictly prohibited on the grounds. She said the employee was a military veteran with a strong
performance ranking. "The employee's written and oral replies, lack of prior disciplinary action, performance, length
of service, remorsefulness and potential to be rehabilitated were all taken into consideration," she said. "The
employee stated the firearm was in his vehicle because it was going to be used for target practice and he forgot it
was in the vehicle. He also stated he always carries the three-and-a-half-inch knife because it is a useful tool."
Agency records do show the VA terminated more than 1,700 employees between July 2014 and July 2015. "(We)
evaluate the facts of each misconduct occurrence and utilizes a balanced disciplinary approach to ensure federal
policies are upheld, patient safety is protected and labor and workforce union agreements are honored," said a
spokesperson for the Washington, D.C. VA medical center. "The medical center offers staff counseling via the
Employee Assistance Program as part of the progressive discipline approach." Miller has introduced new legislation
to simplify the process of firing an agency employee. The bill, called the VA Accountability Act, would give the
agency secretary authority to fire any VA workers for performance problems or misconduct. "If they really want to
win, they've got to cut players who aren't performing," Miller said. The legislation would also limit the agency's
ability to terminate "whistle-blower" employees, workers who have raised concerns about problems inside the VA.
The agency is under increasing scrutiny for its treatment of whistle-blowers. The U.S. Office of Special Counsel,
which investigates retaliation complaints against whistle-blowers, said it has received hundreds of recent complaints
from VA employees. One of every three federal employees who filed retaliation complaints with the Office of
Special Counsel in 2015 was an employee of the VA, according to records obtained by the I-Team. In dozens of
recent cases, the Office of Special Counsel substantiated whistle-blowers' claims of retaliation, a spokesman said.
One of those recent retaliation cases involved Frederick, Maryland doctor Richard Hill. Hill retired from the Fort
Detrick, Virginia, medical clinic after filing complaints about shortages in clerical staff. Hill said he was retaliated
against for making those complaints. Hill told the I-Team, "People who blow whistles are a much bigger threat to
administrators than people who do really horrible things." [Source: Washington NBC 4 I-Team | Scott MacFarlane |
December 11, 2015 ++]
********************************

VA Employee Relocation

Improper/Illegal Payment | Recoupment

New legislation proposed by the chairman of the House Veterans' Affairs Committee would allow VA officials to
take back any employee relocation payments deemed improper or illegal. The proposal would apply to past or future
payouts and comes in direct response to a decision by VA leaders not to try to recover almost $400,000 in relocation
expenses paid to a pair of department administrators who were later demoted and reassigned for abuse of power.
Rep. Jeff Miller (R-FL), the committee chairman, has criticized VA for that inaction, and publicly supported firing
the two employees instead of demoting them. "If VA is ever going to reform itself into an organization worthy of the
veterans it is charged with serving, it cannot tolerate corruption within its ranks," he said in a statement 1 DEC. "Yet
that's exactly what the department did."

25

Last month, VA officials removed two regional office directors Diana Rubens in Philadelphia and Kimberly
Graves in St. Paul, Minnesota from their posts in response to an internal investigation that found they misused
their authority to gain promotions and collect thousands of dollars in questionable moving expenses. For Rubens,
that totaled almost $275,000 for a move from Washington, D.C., to Philadelphia, including losses related to the sale
of her home. For Graves, it was nearly $130,000. VA officials have suspended the home sale reimbursement
program because of concerns, even though the payouts are still available to federal workers in other departments.
But they told Miller in a letter last month that they do not plan to seek reimbursement for the disputed expenses,
citing shaky legal ground.
Miller called that absurd. "VA's handling of this matter is akin to letting bank robbers off the hook with a mere
slap on the wrist while allowing them to keep the stolen money," he said. "If, as VA officials have claimed, the
department truly lacks the legal authority to recoup the money Rubens and Graves benefited from as part of their
scheme, we aim to fix that with this bill." Miller's bill would allow the VA secretary to recoup any relocation
expenses paid to any VA employee "if the secretary deems it necessary." Employees would be able to appeal the
decision to a third-party federal arbiter. Whether the measure can become law remains to be seen. Despite support
among conservatives for similar employee punishment measures in recent years, Democratic lawmakers have been
less enthusiastic, and union officials have railed against the proposals as giving management too much unchecked
power.
Lawmakers passed related legislation in summer 2014 to make it easier for VA leaders to fire senior executives
for mismanagement or malfeasance, but the move has not resulted in a significant jump in VA firing thus far.
Supporters of that measure blame VA officials for ignoring the new dismissal tools. [Source: MilitaryTimes | Leo
Shane | December 1, 2015 ++]
********************************

VA Appeals Update 14

Never ending Process Hurts All Vets

One of the deepest questions philosophers have considered over the centuries is the sometimes conflict between the
rights and needs of society, and the rights and needs of each individual member of that society. The latest point in
the debate over fixing the Veterans Affairs Department is a microcosm of that debate. The claims backlog the
Veterans Benefits Administration has been dealing with for years is finally below 100,000, according to numbers
from late summer. The agency promoted the backlog reduction then as a sign that its management strategy was
working, in contrast to scandals inside the agencys other main branch, the Veterans Health Administration. The
timing was unfortunate, though; whatever good publicity the VBA, and its then-leader Alison Hickey, might have
gotten out of the news was obliterated by the scandal surrounding two employees who received enormous relocation
benefits after engineering jobs for themselves outside Washington, displacing other VA officials who held those jobs.
Those numbers look different, though, in light of a Los Angeles Times article on the backlog. Given what the
Times reports, it seems unlikely the agency will ever be able to make it go away. The biggest holdup to making the
backlog disappear is the most politically unpalatable element of the claims process to do something about. The
biggest roadblock, the Times story makes it seem, is the veterans themselves. The major reason the backlog doesnt
shrink any faster, the way the story tells it, is that vets submit appeals over and over again when they get outcomes
they dont agree with, hoping against hope for a different outcome. The article tells the story of one vet who did
indeed get a different outcome after many tries. Hes still in the system, though now trying to get retroactive
benefits. The reason he and the other vets do so? Because they can. Unlike U.S. civil courts, the appeals system has
no mechanism to prevent endless challenges, the Times Alan Zarembo writes. Veterans can keep their claims
alive either by appealing or by restarting the process from scratch by submitting new evidence: service records,
medical reports or witness statements.

26

The logistics of the backlog is complicated, and has lots of qualifications. The 100,000 number VA celebrated in
August was for initial claims applications that were 125 days old. Since that number was well over half a million
when the agency declared war on it two years ago, the progress looks real. The news isnt all good, though. The
Times reports while the claims backlog has shrunk, the appeals backlog vets who dont like the response they get
from VA and ask to have it reviewed has climbed from 167,412 in September 2005 to 425,480 in October 2015.
VA officials say there are two possible solutions to the bottleneck, Zarembo writes. Those are money to hire more
lawyers, judges and other staff to process appeals, or a rewrite of the law by Congress. In essence, the VA has
pushed the backlog from claims to appeals by applying its resources to claims. It appears to be playing Whac-AMole with the claims/appeals process; one goes down, the other pops up.
Since more money for more staff isnt likely, a rewrite of laws seems more possible. And that is where the
philosophical question of the needs of the many versus the needs of the individual comes in. Cutting the number of
appeals vets can file would make sense from a purely logistical perspective. Some vets appeal dozens of times or
more and never win. Is infinity the right number of allowable appeals? Probably not. Is one the right number of
allowable appeals? Probably not. But where in between those two is the right number? And how does Congress
make that decision, as it will inevitably have to do? Everyone in politics today wants to support the vets. Certainly
doing anything that appears to harm veterans individually is a ticket to political trouble; I can hear the negative ads
in my head already. But endless appeals inevitably mean endless backlogs. And the person who can make the
political argument that some limit however big or small it turns out to be will help vets collectively, will make a
huge difference for the rest of the vets waiting in line for their cases to be decided. [Source: GovExec.com | Francis
Rose | December 1, 2015 ++]
********************************

VA #VeteranOfTheDay

How to Nominate Your Special Vet

Do you want to light up the face of a special Veteran? Have you been wondering how to tell your Veteran they are
special to you? Youre in luck! VAs #VeteranOfTheDay social media feature is an opportunity to highlight your
Veteran and his/her service. Its easy to nominate a Veteran. All it takes is an email to newmedia@va.gov with as
much of the information as you can put together. Following is an overview of how to put together a great
#VeteranOfTheDay package.
Pictures: Everyone loves pictures, so the more and better quality, the better the tribute will be. Try to have a picture
of your Veteran in uniform and a picture of them today. If you only have one image of them in uniform that is still
helpful, dont worry. Often times World War II, Korea and Vietnam Servicemembers dont have many pictures. The
images should be larger than 200kb. If you dont have a photo-editing program and you have the image in a digital
form, open it up in PowerPoint and try to make it bigger. If it starts to get grainy before it takes up a third of a
standard PowerPoint slide, it probably wont work. Here is an example of a good quality image and an example of a
poor quality image.
Too Small-96kb

Better-260kb

Best-500+kb

27

Biography: What did your Veteran do while they were in uniform? What was their job or military occupational
specialty? Also, what work do they do now? What work did they do after they left service? This is a great way to
show your Veterans successful transition to civilian life.
Unit: What was your Veterans last unit? You can even use your Veterans favorite unit or the unit he/she deployed
with in support of combat operations. If youre trying to surprise them, you can always look on their Facebook page
for mentions of their unitespecially patches or insignia. You can even look for groups they may belong to or old
Veteran buddies who may be able to help. Youre looking for mentions of stuff like 2-2, 5-503rd, Blue Knights, 82nd
All the Way, etc.
Deployments: If you know when and where your Veteran served overseas, let us know! Dont worry though,
overseas or combat operations are not required to nominate your Veteran.
Awards and Recognitions: Did your Veteran receive a Bronze Star Medal? Purple Heart? Silver Star? Medal of
Honor? Let us know! We want to make sure to recognize their accomplishments. Dont forget about combat infantry
badges, aircrew wings, Pathfinder and Special Forces badges.
Honoring our Veterans by nominating them for #VeteranOfTheDay is a great way to say thank you and let them
know their service has not been forgotten. You can even request they be honored on certain days, such as birthdays,
anniversaries, retirements, you name it! VA cannot guarantee any specific date, but will work with you to make it
happen if they can. Want to see some of the previous Veterans that have been honored for ideas? Search on
Facebook and Twitter for the hashtag #VeteranOfTheDay (i.e. https://www.facebook.com/hashtag/Veteranoftheday
and https://twitter.com/hashtag/Veteranoftheday). [Source: VAntage Point Blog | December 2, 2015 ++]
********************************

VA Claims Processing Update 13

Live Manual | M21-1

Every now and then via VAntage Point readers will encounter Veterans who are clearly adept at understanding the
laws and regulations that govern VA claims processing. People who know these laws and regulations also
understand how they constantly change due to updates in technology, new medical findings, new court decisions,
etc., which can add to the complexity of processing claims. For gurus, like Veterans service organizations, other
Veteran advocate groups or Veterans like you who have interest in keeping abreast with VA laws and regulations,
youre in luck! VA recently overhauled the M21-1 the guidebook manual that dictates the policies and guidance of
VA claims processing. Now called Live Manual, this latest version of the M21-1, Adjudication Procedures Manual,
is available to everyone through the KnowVA Knowledge database.

28

Live Manual

KnowVA is an external-facing Web platform that provides you access to the same information claims processors
use to process and make decisions on benefits claims. It contains new features like the ability to conduct key word
searches, browse by topic or search by specific question. The information is always updated so youll never fall
behind on the most up-to-date guidance. To access Live Manual via KnowVA, visit www.knowva.ebenefits.va.gov .
The creation of Live Manual
VBA employees are routinely asked what changes could be made to enhance their jobs. Many expressed the need
for a consolidated location for claims processing guidance that was housed in multiple VA intranet and Internet sites.
Live Manual was created by and for VBA employees to make information easier to find, helping employees to
process claims for compensation, pension and burial benefits accurately and timely for the benefit of Veterans and
survivors. It is user friendly and because it is a single resource it significantly reduces time when researching
laws and procedural guidance. The final product leverages industry best practices for knowledge management across
large dispersed organizations. Creating the Live Manual required evaluation and integration of more than 4,500
individual pieces of published guidance as well as a thorough review of approximately 6,000 pages of existing M211 guidance. Have any questions about the Live Manual? Go to http://www.blogs.va.gov/VAntage/24373/24373/ and
ask by entering your question/s in the comments section. [Source: VAntage Point Blog | December 2, 2015 ++]
********************************

VAMC Tomah Update 13

100-Day Plan Released 27 NOV

The Tomah Veterans Affairs Medical Center says it has adopted another plan to improve patient care. The La Crosse
Tribune reports (http://bit.ly/1QMsDMZ ) that Friday's release of the "100-day plan" comes almost 11 months after
media reports that veterans at the center were prescribed excessive doses of opioid pain-killers and that employees
who spoke out faced retaliation from top officials. The plan, which follows a 30-day plan announced in May,
outlines steps for improving access to care, employee engagement and restoring trust. Among other things, it calls
for recruitment of psychiatric staff, employee forums and listening sessions, and opening an employee wellness
center. Several Tomah VA officials including former Director Mario Desanctis and former Chief of Staff David
Houlihan have been fired since the problems emerged early this year. [Source: Associated Press | November 28,
2015 ++]
*********************************

VAMC Minneapolis Update 05

Legionnaires Disease Bacteria Detected

29

The bacteria that cause Legionnaires Disease have been detected in water samples at the Minneapolis Veterans
Medical Center, and officials said they are taking steps to eliminate the pathogen. No illnesses have been discovered.
VA officials said routine testing on 19 NOV found the type of Legionella bacteria that cause most human illness in 5
out of 40 samples from the hospitals water system. The hospital has since installed filters on taps and shower heads
and is flushing the water system to eliminate the bacteria. First identified in 1976 after an outbreak at an American
Legion convention in Philadelphia, the Legionella bacterium causes 8,000 to 18,000 hospitalizations a year in the
United States. Prompt treatment with antibiotics typically cures the infection. The bacteria are found naturally in the
environment, usually in warm water. The infection does not spread from person to person, but is transmitted when
people inhale droplets or warm vapor that contain the bacteria. The Minneapolis VA conducts quarterly testing for
the bug, and officials said they arent sure why it turned up now, though it may be because the hospital is using a
new testing service, they said. Legionella was found in 12 of 40 water samples. Five of those had Legionella
pneumophila serotype 1, the strain that causes most human illness. Seven were other serotypes or other Legionella
species that rarely cause human illness or are not known to do so. No cases of Legionnaires disease have ever been
associated with the hospital, according to hospital records. [Source: Star Tribune | Josephine Marcotty | November
27, 2015 ++]

*********************************

VAMC Loma Linda CA

Patient Recall for TB Exposure

The veterans hospital in Loma Linda is asking hundreds of patients to get tested for tuberculosis after an employee
came down with the potentially fatal disease. The VA Loma Linda Healthcare System sent letters to patients earlier
this month saying they may have been exposed to TB while at the Jerry L. Pettis Memorial VA Medical Center
between June 1 and Oct. 27. The letter said infection was unlikely but a free blood test was available at the medical
center. The noticed was sent to 1,727 patients, said hospital spokesperson Kristen Hall. She could not immediately
say 30NOV how many patients had been tested or if other TB cases had been found. U.S. Navy veteran Ray Bentley,
75, of Desert Hot Springs, said he didn't think much of the letter until he received a follow-up phone call last week
suggesting the hospital could help with transportation for the test. "When I got the call I thought maybe this was
serious," Bentley said.
The letter to Bentley is dated 2 NOV and postmarked 13 NOV. Along with testing, it encourages people who
believe they may have symptoms of TB to contact their primary care physician. Bentley travels to Loma Linda to
see doctors every few months. Even though he wasn't worried about his own health, he planned to have the test
done. He was more concerned about other people who may have been exposed, not just veterans but also their
loved-ones who'd been at the hospital. Tuberculosis is a bacterial infection spread through the air that typically
invades a person's lungs, making it difficult to breathe. It infects about 10,000 people a year in the United States and
killed 555 in the U.S. 2013. Worldwide, it was responsible for 1.5 million deaths in 2014.

30

A portion of the letter warning patients about the Jerry L. Pettis Memorial VA Medical Center about possible TB
exposure.

Hall said the hospital learned about the employee's diagnosis on 27 OCT and used public health guidelines to
determine testing parameters. She said the employee worked in the outpatient clinic area but she did not know the
employee's condition. Patients who received the warning letter were either in close contact with the employee or in
the same area, Hall said. Anyone who normally received transportation help from the VA could arrange the same
assistance for the TB test, she said. [Source: The Desert Sun | Barrett Newkirk | November 30, 2015 ++]
*********************************

VAMC Denver CO Update 02

Nurse-Hostage Situation

A patient has been arrested after he used a gun to take a nurse hostage 3 DEC at the veterans hospital in Denver,
authorities say. "There was a nurse-hostage-like situation," said Nicole Alberico, spokeswoman for the hospital. A
female nurse was taken hostage on the eighth floor, Alberico said. No shots were fired, and no one was injured,
Alberico said. "The nurse is doing fine, considering," she said. The incident happened around 8:20 a.m. at 1055
Clermont St., said Raquel Lopez, Denver police spokeswoman. Within minutes, the VA police had the suspect
subdued and in custody, Alberico said. Denver police assisted VA police officers in making the arrest. Police are
seeking federal assistance with the case. "It is federal property, and the VA police are federal law enforcement,"
Alberico said. [Source: The Denver Post | Kirk Mitchell and Elizabeth Hernandez | December 3, 2015 ++]

*********************************

VA HCS Pittsburgh Update 04

TB Alert

31

The Veterans Affairs Pittsburgh Healthcare System is alerting 400 people after a patient came down with
tuberculosis. VA officials would not identify the patient, citing confidentiality standards, but said the person is
responding well to antibiotics and isnt hospitalized. Infection risks are low for other veterans who may have been
near the person recently at VA facilities, said Brooke Decker, the VA Pittsburgh infection prevention director. Still,
she said 2 DEC, the VA sent notifications this week to encourage such bystanders to undergo tuberculosis screening
as a precaution. The VA is offering the test at no charge to letter recipients. This is not a disease that happens
quickly. Anybody exposed to this patient is not likely to be having any symptoms at this point, Dr. Decker said. The
VA Pittsburgh system last saw a case of tuberculosis, a bacterial infection, in 2012. VA clinicians diagnosed the
latest patient 17 NOV.
Dr. Decker said it took a lot of legwork to identify people who may have been exposed to that person at the
VA. The patient had visited VA facilities in Monaca and Oakland since September but probably did not pick up the
bacteria from the federal health system, she said. Theres no indication that any of the diagnosed cases of TB that
we see were acquired in our [facilities]. Generally, these people were exposed many, many years before even
decades, Dr. Decker said. Doctors said tuberculosis becomes contagious only in its active, symptom-producing
stage, which generally follows a latent, or quiet, phase. Active tuberculosis can bring prolonged or painful coughing,
fatigue, fevers and night sweats, among other symptoms. The bacteria often attack the lungs but can go after any
part of the body, according to the Centers for Disease Control and Prevention. When you have a patient with active
TB and coughing, they can be highly infectious, said Karen Hacker, the Allegheny County health director. She said
the county logged 20 active cases last year and 15 in 2013. The VA is county. Its offering a hotline at 412-360-1199
for anyone who has concerns. [Source: Pittsburgh Post-Gazette | Adam Smeltz | December 2, 2015 ++]

Pittsburgh Hospital

*********************************

VA HCS Pittsburgh Update 05

Mold Forces ICU Closure

The Veterans Affairs Pittsburgh Healthcare System closed an intensive care unit at its University Drive campus after
finding mold in a ventilation system Saturday. Technicians found the mold in an air handler during routine
maintenance, and doctors at the hospital have not diagnosed any mold-related illnesses, said Dr. Brooke Decker, VA
Pittsburgh's director of infection prevention. The hospital is waiting on results of tests that will identify what type of
mold the workers found. Decker said high-efficiency filters between the handler and hospital rooms are designed to
keep out anything as large as a mold spore. There's no chance that the mold in the compartment that we've found
could've gotten through those filters, she said.
The hospital closed the general medical ICU, along with a sleep lab and administrative offices that are part of the
same ventilation system, as a precaution, she said. Hospital officials expect the ICU to reopen this week after mold
and air samples are tested and remediation is complete. Six patients who were in the unit were moved elsewhere
before the maintenance started, according to a VA news release 7 DEC. There are no specific tests for mold on
patients, but hospital staff monitor them for any sign of infection, Decker said. Decker said the hospital has been
tracking mold infection in patients since 2011 and hasn't had any cases associated with the unit the air handler
serves. Earlier this year, officials at UPMC disclosed that four patients contracted mold infections at UPMC
32

Presbyterian and UPMC Montefiore in Oakland. The infections happened within the past year. UPMC officials said
three of the patients died, but their deaths cannot be directly attributed to the infections. Officials are awaiting a
report from the federal Centers for Disease Control and Prevention. [Source: Pittsburgh Tribune-Review | Wes
Venteicher | December 7, 2015 ++]
*********************************

VA HCS Alexandria VA

Nurses Aide Charged with Manslaughter

Fredrick Harris, a nurses aide is still working at the Veterans Affairs Department hospital in Alexandria, Louisiana,
despite charges that he beat 70-year-old veteran Charles Lee Johnson to death in 2013. Though Francis Brian, Jr., the
local coroner, found that Johnson had died of blunt force trauma, an internal VA investigation found his death to be
accidental, according to The Daily Caller. In treating this as an accidental death as a result of a fight between Harris
and Johnson, the VA gave Harris paid-time-off to recover. Meanwhile, Johnson was moved to a nursing home where
he died from his injuries a few weeks after.
VA officials had no intention to punish Harris after it obtained its own ruling. Brian, however, turned the case
over to the inspector general after discovering the blunt force trauma. The pending manslaughter charge resulted
from a separate investigation from the IGs office and local prosecutors. As a result, Harris was arrested on Dec. 10,
2013, and held on $250,000 bond. Once charged with manslaughter instead of murder, his bail was reduced to
$10,000. He was released after paying the fee on Dec. 17, 2013. He resumed work in April. After the incident, the
employee was treated for his injuries and was sent home to recover and returned to work in a non-patient area on
March 19, 2013. On April 5, 2013, he returned to patient care since the internal investigation did not find negligence
on the employees part, VA spokesman Randall Noller told The Daily Caller. The VA has continued to employ
Harris at the same hospital, and he will be paid for his work there until the scheduled date of his trial in March 2016.
[Source: Task & Purpose | Sarah Sicard | December 10, 2015 +=]

* Vets *

33

Vet Toxic Exposure~Lejeune Update 56

Claim Approvals Drop 66%

The approval rate for disability claims filed with the Veterans Affairs Department for illnesses related to poisonous
drinking water at Camp Lejeune, North Carolina, has dropped by two-thirds since VA implemented a third-party
review process to provide medical opinions on related diagnoses. The Camp Lejeune subject matter expert program
requires a VA-appointed physician to review the medical files of former troops who lived on base from 1953 to 1987
and are seeking compensation for illnesses possibly related to drinking contaminated water there. But since the
program was introduced in 2012, claims approvals have dropped from 25 percent to 8 percent, prompting critics to
question the independence and training of the VA's 22 to 30-some experts, whom the department has not identified.
Veterans advocacy groups, including Vietnam Veterans of America, the Connecticut State Council of the Vietnam
Veterans of America and The Few, the Proud, the Forgotten, have filed a Freedom of Information Act request for
records about the subject matter expert program, seeking information on the identities, training and education of
those experts. Former Marine and Yale Law School student Rory Minnis, who is helping with the FOIA process,
said VA has "largely ignored demands for basic information on the policies, procedures and qualifications of these
experts." "The subject matter expert program has been billed as a means to provide consistency of Camp Lejeune
claims and to help develop VA's institutional knowledge. What the VA did not tell the veterans is what they meant by
consistency is consistent denials," Minnis said during an announcement about the FOIA at Yale on 7 DEC.
Nearly a million people, including troops, family members and civilian employees, may have been exposed to
volatile organic compounds and other cancer-causing agents, such as benzene and vinyl chloride, in the drinking
water at the coastal Marine Corps base, starting roughly in 1953 and continuing at least until 1987, when the water
treatment facilities supplying the contaminated water were closed. The Honoring America's Veterans and Caring for
Camp Lejeune Families Act of 2012 required VA to treat veterans who were stationed at Camp Lejeune and have
one of 15 related illnesses at no cost. The bill required VA to reimburse affected family members for health services
for the named illnesses as well. Disability claims for exposure-related illnesses, however, are decided on a case-bycase basis.
A process is underway at VA to designate three illnesses as presumed to be connected to serving at Camp Lejeune
during the designated timeframe, including kidney cancer, angiosarcoma of the liver and acute myelogenous
leukemia. But for now, all Camp Lejeune disability claims are reviewed by subject matter experts who provide an
opinion on whether they believe the claimant's illness is related. The veteran never meets with the subject matter
expert nor does he or she receive a copy of the expert opinion.
VA officials say that the medical opinions crafted by subject matter experts are just "one piece among many of
evidence" that are considered when deciding a claim. "That is the job of the adjudicator, to review all the evidence,
determine the credibility of the evidence and the weight of the evidence," said Bradley Flohr, senior adviser for
compensation services at the Veterans Benefits Administration during a community meeting on Camp Lejeune held
in Tampa on Friday. But Jerry Ensminger, founder of the Camp Lejeune family advocacy group The Few, the Proud,
the Forgotten, said VA adjudicators placed too much weight on the subject matter experts' opinions, and VA has
never provided an example of a claims adjudicator overriding an expert opinion. "These people are refuting what the
veterans' own doctors are saying," Ensminger said. "They are making life and death decisions that affect peoples'
lives. Veterans have a right to know who these people are and what their qualifications are."
He and others also say that clinicians in the program have based their opinions on outdated or incorrect science,
including one who argued that the cleaning solvent trichloroethylene does not cause cancer. "I saw two denials for
kidney cancer written by the same so-called subject matter expert that stated he'd done a comprehensive review of
two decades of scientific studies and could find no evidence that TCE causes cancer," Ensminger said. Studies
dating to at least 2010 indicate that TCE is linked strongly to kidney cancer. More than 10,000 disability claims have
been filed at VA related to Camp Lejeune water toxicity, according to Minnis. In October, the Marine Corps sent

34

mailings to thousands of troops and veterans informing them of their eligibility to enroll in the Camp Lejeune
Historic Drinking Water notification database. To date, more than 230,000 troops and veterans have enrolled.

A sign is posted at an ongoing cleanup pump and treatment center operated by Shaw Corp. on lot 203 at Camp Lejeune,
N.C., Wednesday, May 9, 2007. This operation treats an underground plume of TCE that was created by a waste disposal
site on base.

This year, Sens. Jerry Moran (R-KS) and Richard Blumenthal (D-CT) along with Reps. Dan Benishek (R-MI)
and Mike Honda (D-CA), introduced the Toxic Exposure Research bill, S 901, to support research into the health
issues of veterans' children and grandchildren. Blumenthal said 7 DEC that veterans have a right to know the
reasons claims were denied, who contributed to the decision and what documents were used to decide. "The modern
battlefield is full of toxic substances," Blumenthal said. "Whether it is burn pits and nerve gas in Iraq or
Afghanistan, depleted uranium, Agent Orange in Vietnam, there is a need for a complete overhaul and reform of the
method for assessing these claims and determining their validity." [Source: MilitaryTimes | Patricia Kime |
December 7, 2015 ++]
********************************

Vet Incarceration

Numbers Down

The number of military veterans in the country's jails and prisons continues to drop, a new report from the Bureau of
Justice Statistics shows. It's the first government report that includes significant numbers of veterans of the wars in
Iraq and Afghanistan and the findings defy stereotypes that returning war veterans are prone to crime. The data
show that veterans are less likely to be behind bars than nonveterans. The study tracked an estimated 181,500
incarcerated veterans in 2011-2012, 99 percent of whom were male. During that period, veterans made up 8 percent
of inmates in local jails and in state and federal prisons, excluding military facilities.
The Bureau of Justice Statistics began tracking the number of incarcerated veterans after the Vietnam War. In
1978, about 24 percent of prisoners were veterans. That number has fallen steadily since then, as the military
switched from the draft to an all-volunteer force. In 1998, veterans had nearly the same incarceration rates as those
who never served, and the number has been declining ever since. Those veterans in prisons and jails reported higher
rates than civilians of mental health issues such as post-traumatic stress disorder. Less than a third of veterans behind
bars actually saw combat, but those who did also reported higher rates of mental health issues, according to the
report. On average, veterans doing time are almost 12 years older than nonveterans and are less likely to have
multiple previous offenses.
The decline in the veterans prison population tracks national demographics. Across the country, the number of
veterans is shrinking fast as the millions of vets from World War II and Korea reach their 80s and 90s, and Vietnam
vets reach their 70s. Advocates for veterans also credit the lower incarceration rate partly to increased services for
returning veterans. For example, most states now have "veterans courts," where veterans can get treatment for PTSD
and drug abuse in lieu of jail time for certain crimes. [Source: NPR | December 7, 2015 ++]
********************************

35

Korean War Mural

Amherst, Ohio

As this year marks 65 years since the start of the Korean War, a new 20-foot-tall black-and-white mural in
downtown Amherst, Ohio, pays tribute to veterans of Americas Forgotten War. Its the third mural for local artist
Mike Sekletar, who has painted the outside wall of a two-story brick building into a historic timeline. The Korean
War mural, which was dedicated during a ceremony this past Veterans Day, features a silhouette of the Korean
peninsula surrounded by combat soldiers, fighter jets, a battleship and a nurse. Korean veterans that Ive met are so
proud and thankful that a younger guy paid respect to them with this mural, said Sekletar, a member of Sons of The
American Legion Squadron 118 in Amherst. Truly, its a real honor for me to pay my thanks in this way, so I guess
the Korean War is no longer the Forgotten War in Amherst, Ohio.

Sekletars latest mural was inspired by the Korean War Veterans Memorial in Washington, D.C. Sekletar liked
the different portraits and scenes that are engraved and juxtaposed throughout the memorials granite wall, which
led him to represent various war scenes and branches of the military in his mural. Like his other two murals on the
building, Sekletar projected his design on the wall, then outlined the areas to be painted. The building was a blank
canvas until four years ago, when Sekletar began using his talent to give back to veterans. In 2011 he dedicated a
20-by-35 mural of the iconic photograph Raising the Flag on Iwo Jima, and in 2013 he dedicated a 16-by-35
mural of artist Lee Teters 1988 painting Reflections. [Source: American Legion Dispatch | www.legionorg/honor
| December 2, 2015 ++]
********************************

Disabled Vet Leave Law

Federal Employees Hired After 5 NOV 2016 Only

The new law providing a full years sick leave up front to new federal employees who are disabled veterans only
applies to those hired on, or after Nov. 5, 2016. The 2015 Wounded Warriors Federal Leave Act gives 104 hours of
sick leave up front to first-year feds who are vets with a service-connected disability rating of at least 30 percent to
attend medical appointments related to their disability. It also only applies to those new feds who are covered under
Title 5 leave provisions, and including employees of the Postal Service and Postal Regulatory Commission. NonTitle 5 disabled veteran employees hired on or after Nov. 5, 2016, including those at the Federal Aviation
Administration and Transportation Security Administration, are not eligible for the new benefit. Many jobs at the
Veterans Affairs Department, for instance, also are not covered under Title 5. Title 5 governs most, but not all, of the
federal personnel system. Current federal employees who are disabled veterans also are not eligible for the new type
of leave. Obama signed the bill into law on Nov. 5, 2015, and it applies to those hired a year after its enactment.
The Office of Personnel Management on 24 DEC published some initial guidance on the new law to agencies.
OPM has to publish implementing regulations within 9 months of the laws enactment. Agencies have to create a
separate leave category apart from regular sick leave for disabled veteran leave for eligible employees. During
36

their first year on the job, those vets would still accumulate their normal sick leave. The employees only would be
able to use their disabled veteran leave for treatments directly related to their service and would not be able to carry
over the one-time wounded warrior leave after the first 12 months on the job. Agencies will have to monitor the
use of this new leave category and ensure that any leave to the credit of the employee after the 12-month period is
forfeited and removed from an employees disabled veteran leave account, the Nov. 24 OPM notice said. Eligible
employees must submit medical documentation from a health care provider proving the leave was used for treatment
related to the service-connected disability.
Prior to the new law, full-time federal workers in their first year on the job did not have access to sick leave when
they started, accruing four hours of such leave per pay period as is typical. That amounts to a balance of 104 hours at
the end of their first year. But disabled vets, who must attend regular medical appointments to maintain their health
and to continue receiving their veterans benefits, can burn up their sick leave quickly. For current federal employees
who are disabled veterans, the government provides other types of leave and flexibilities to receive treatment for
their service-connected disability including leave without pay, annual leave, sick leave, advanced sick leave,
alternative work schedules, and telework. [Source: GovExec.com | Kellie Lunney | November 25, 2015 ++]

*********************************

Bladensberg WWI Memorial Update 01

Maryland Court Rules Constitutional

A federal court in Maryland has ruled that a cross-shaped war memorial in Prince George's County is constitutional,
after an organization argued the structure's presence on public land is a violation of the First Amendment. The U.S.
District Court for the District of Maryland ruled 30 NOV that even though the Bladensburg World War I Veterans
Memorial, a 40-foot-tall monument erected in 1925, takes the shape of a cross, its purpose is not primarily religious.
Therefore, the court found, it does not violate the First Amendment's provision that "Congress shall make no law
respecting an establishment of religion." Known locally as the Peace Cross, the structure that stands at the
intersection of Route 450 and Alternate U.S. 1 neither depicts nor mentions Jesus.

The ruling was a victory for the co-defendants in the case, the Maryland-National Capital Park and Planning
Commission, the government entity that owns and controls the land on which the cross stands, and the American
Legion, which erected it 90 years ago and continues to use the site for Memorial Day and Veterans Day celebrations.
It marked a setback for the American Humanist Association, a Washington-based group that describes its mission as
bringing about "a progressive society where being 'good without a god' is an accepted way of life" and strengthening
secular influence in government. "We're obviously disappointed with the ruling," said Monica Miller, senior counsel

37

for the association, which served as lead plaintiff. "We're still reviewing and evaluating the decision and our
options," she said, including the possibility of taking the case to the Fourth Circuit Court of Appeals.
The Wall Street Journal Law Blog notes that the case law on this issue is somewhat difficult to divine at times:
Monica Miller told Law Blog she was disappointed by the outcome, which she said clashes with how other courts
have approached similar disputes. The Ninth U.S. Circuit Court of Appeals, for instance, declared unconstitutional
the 29-foot cross at the Mount Soledad Veterans Memorial in San Diego. Last year a federal judge ordered Lake
Elsinore, Calif., to halt plans to erect a veterans memorial at a baseball park, with a granite monument depicting a
kneeling soldier and a cross. Its a giant Christian cross. It sends the message to non-Christian veterans that theyre
not worthy of being remembered, Ms. Miller said of the Bladensburg monument. Her organization is considering
appealing the decision to the Fourth U.S. Circuit Court of Appeals in Richmond. [Source: American Legion Burn
Pit | December 3, 2015 ++]
*********************************

Memorial Desecration

Veterans Park Florence Alabama

Two men are facing charges of desecration of a burial ground after police said they were caught by a surveillance
camera urinating on a veterans memorial. Zachary Royce, 18, of Collinwood, Tennessee, and Bradley Crosslin, 24,
of Florence, face charges in connection with the Nov. 24 incident, Florence police said. Sgt. Cliff Billingsley told
AL.com news partner WHNT the gates of the Veterans Park were closed, so the suspects climbed over the fence and
on top of one of the monuments, an F-4D Phantom. The incident occurred around 5:30 a.m. "While they were on top
of the Phantom, they then tried to get the fuselage open, and at one point, they both urinated on top of it," Billingsley
said. Police said the two men are also suspected of damaging a door and bathrooms at the monument.

The two were arrested later that night after an officer spotted them causing a disturbance at an intersection.
Surveillance video taken at the monument linked the two to the vandalism. Royce and Crosslin were charged with
destruction and desecration of burial grounds, third-degree criminal trespassing and third-degree criminal mischief.
The destruction and desecration of burial grounds charge, which encompassed destruction of a memorial to the dead,
is a Class A misdemeanor and carries a punishment of up to one year in jail and a fine of as much $1,000 with
conviction. The jet was moved from Fort McClellan in Anniston to Florence in 2013. It saw service from 1966 to
1986 and is part of a larger display honoring those who served in the military. Billingsley said the men's alleged
actions were a "disgrace" and required cleanup from a group of volunteer veterans. "This memorial is for veterans
who served our country. Some gave the ultimate, and just to come out and deface a memorial like this is definitely a
disgrace," he said. [Source: AL.com | Leada Gore | December 08, 2015 ++]

38

*********************************

Vet Employment/Education/Healthcare Update 01

Worsened Since 1992

Congress has been debating changes to the types of retirement benefits that veterans receive, including a switch to a
corporate 401(k)-style plan. According to researchers, however, reforms should consider the economic and health
realities of veterans approaching retirement now. Alan Gustman and Nahid Tabatabai of Dartmouth, along with
Thomas Steinmeier of Texas Tech, broke down the economic and health outcomes for veterans age 51 to 56 in 1992,
1998, 2004, and 2010, measuring how the government's services have helped over time. The study said:
Among those 51 to 56 in 1992, veterans were better educated, healthier, wealthier, and more likely to be
working than nonveterans (https://www.nber.org/papers/w21736).
By the 2010 cohort, 51- to 56-year-old veterans had lost their educational advantage over nonveterans,
were less healthy, less wealthy and less likely to be working."
Using data from the "Health and Retirement Study," the researchers tracked outcomes, adjusting for rank, years
of service, and a variety of other factors. (The findings were limited to male veterans, because female veterans in the
data did not have a large enough sample to be reliable.) In terms of service, the researchers pointed out that only the
2010 cohort had been a part of the All-Volunteer Military, instead of the Korean and Vietnam War drafts of the
earlier cohorts. This meant that a much lower number of the total population served (16% of the total male
population in 2010 versus 50% in 1992) and a higher percent serving more than 10 years (13% in 2010 versus 8% in
1992). In the outcomes for veterans over the age groups, a number of trends appear.
Education and health outcomes have worsened
In terms of education, the mean number of years in school has stayed the same for veterans (13.2 in 1992 to 13.4
in 2010), while the years for nonveterans has caught up (12.2 to 13.5). The percentage of veterans going to some
college has also stayed fairly consistent (51% to 57%, with a peak in 2004 at 67%), while nonvets have again caught
up (39% to 58%, with a peak in 2004 at 65%). While nonveterans have caught up in education, they have lapped
veterans in many other categories. The percent of veterans who saw combat is the same between the 1992 and 2010
cohorts (18%), and leaped up for the 1998 and 2004 cohorts (34% and 33%, respectively), but the percentage of
veterans on disability or with a health problem that limits work has steadily grown. "While in the original HRS
cohort, veterans were healthier than nonveterans, between the oldest and youngest cohorts, the health status of
veterans age 51 to 56 deteriorated sharply relative to nonveterans," said the study.

Health status for the 1992, 1998, 2004, and 2010 cohorts by percentage of the total veteran population.

Veterans are now much less prepared for retirement

Additionally, in light of the recent moves by Congress to address the military's retirement benefits, the researchers
looked at wealth and savings for veterans as they approached retirement age. Not only did the researchers find that
younger veterans receive about half the amount in pensions from the military than their older counterparts, but there
was also a reversal in veteran household wealth as compared to nonveterans.

39

Total wealth of veterans and nonveterans by HRS cohort.

So while newer retirement-age veterans have all been volunteers with roughly similar service demographics, they
have worse health and wealth outcomes compared to older veteran peers and even nonveterans of their age group. In
the end, the researchers said they could not fully identify the reasons for the decline in positive outcomes for
veterans, especially compared to nonveterans, and that these conclusions should factor into future policy decisions.
"Our findings suggest that policies meant to increase the benefits of veterans who are already retired should be
designed differently and targeted separately for members of different cohorts," they concluded. "Veterans from the
two oldest HRS cohorts are better prepared for retirement than nonveterans from those cohorts, and there is no
difference when covariates are included in the regression. The problem arises for the youngest HRS cohort."
[Source: Business Insider | Bob Bryant | November 23, 2015 ++]

A homeless veteran of the US wars in Iraq and Afghanistan asks for money on Newbury Street in Boston, Massachusetts

*********************************

Soldiers Memorial St. Louis MO

2-Year $30M Renovation

Soldiers Memorial, completed 77 years ago as a monument to the doughboys of the Great War, is about to undergo
an extensive restoration and refitting for the digital age. The city opened its $1 million limestone-and-marble
memorial To Our Soldier Dead at 14th and Chestnut streets on Memorial Day 1938, only 15 months before a
second World War began. The two-story Art Deco building, with its 38 columns and wide staircases, honors the
1,075 service personnel from the city of St. Louis who died in World War I then known as the World War or
Great War, when American soldiers were called doughboys. Their names are engraved on a black-marble
cenotaph, a tomb-like monument in the center breezeway of Soldiers Memorial. On the ceiling above is a mosaic
gold star, the symbol of mothers who have lost children to war. Remembrances to the dead in subsequent wars were
added over the years. Soldiers Memorial remains the setting for occasional military ceremonies and veterans events,
but it has suffered from bare operating budgets and declining public interest. Some of its displays of vintage military
weapons, enemy helmets, soldiers letters and other artifacts have changed little in years. Its two main exhibit rooms
have never been air-conditioned.

40

Present and Planned Memorials

On Veterans Day (11 NOV) the Missouri Historical Society, which operates the Missouri History Museum in
Forest Park, agreed to manage Soldiers Memorial and the grounds and embark on a two-year renovation that will
cost an estimated $30 million. All of it is covered by anonymous donors. Plans call for doubling the size of exhibit
space, significantly upgrading the exhibits and offering periodic special shows, just as the History Museum does
now. Soldiers Memorial will close next spring for the work. In time for a projected reopening in 2018, planners want
to prepare a special exhibit on World War I, fought a century ago from 1914 until Nov. 11, 1918 Armistice Day,
now called Veterans Day. The exhibit would be similar to the History Museums popular exhibit on the Civil War in
Missouri, which offered artifacts, information panels, video presentations and interactive elements. It ran for 17
months, through March 2013.
The History Museum also will renovate the Court of Honor across Chestnut Street, an outdoor memorial with the
names of 2,753 city residents who died in uniform during World War II. Remembrances of the citys dead in the
Korean and Vietnam wars (161 and 214, respectively) were added later. The renovation contemplates adding water
fountains that were part of the original design, but never built. The main building and its statuary also will get a
good scrubbing. In addition to the $30 million for all of that, donors have pledged a $25 million endowment
intended to cover operating expenses of about $1.1 million annually. The city will continue paying about $150,000
in payroll and utility costs. Officials say the History Museum wont use any revenue it receives from city and St.
Louis County property owners through the Zoo-Museum District tax.
The idea for Soldiers Memorial dates to 1923, when many cities were building monuments to the combatants of
the Great War. St. Louis voters approved an ambitious list of $87 million in capital projects that included the
Municipal (Kiel) Auditorium, the Civil Courts Building and the River Des Peres channel. There also was $6 million
for a downtown plaza and memorial building. Because of delays and mounting costs to clear land for the sevenblock plaza, construction didnt begin until 1935, helped by $823,000 in federal New Deal money. President
Franklin Roosevelt dedicated the site on Oct. 14, 1936, shortly after foundation work began. During the grim early
months of World War II, thousands jammed the memorial and plaza on April 25, 1942, to cheer visiting hometown
hero Edward Butch OHare, Navy fighter ace and future namesake of Chicagos airport. It was the center of
jubilation and street dancing upon word of Japans surrender on Aug. 14, 1945, when an Army band let loose all
night.
In the first years after World War II, the memorials meeting rooms were busy with assemblies of veterans
looking for jobs, housing and college admission. More than 163,000 toured the exhibits in 1948. These days, the log
lists small numbers of visitors. To sign, they pass a life-size portrait of Butch OHare in his Navy flight gear.
Magnuson, the director, said the new cooperative will preserve its mission to tell the stories of veterans and their
families. Were here to document and preserve the experiences on the battle front and the home front. This assures
that we can. [Source: St. Louis Post Dispatch | Tim O'Neil November 30, 2015 ++]
*********************************

Vet Commercial Drivers License

CDL Skills Test Waiver

41

More than 10,000 Soldiers and veterans have been issued commercial driver's licenses (CDLs) since a Department
of Transportation program recognizing the driving experience the Soldiers received while in uniform began in 2011.
The Federal Motor Carrier Safety Administration's (FMCSA's) Military Skills Test Waiver Program grants state
licensing agencies, including the District of Columbia, the authority to waive the skills test portion of the CDL
application for active-duty or recently separated veterans who possess at least two years of safe driving experience
operating a military truck or bus. Each state now has a waiver. The program is not limited to transportation military
occupational specialties (MOSs). For more information, visit the Federal Motor Carrier Safety Administration
website at https://www.fmcsa.dot.gov/registration/commercial-drivers-license/military or contact your state
department of safety or transportation.
At https://www.fmcsa.dot.gov/registration/commercial-driverslicense/application-military-skills-test-waiver an application for the Military Skills Test Waiver can be downloaded.
[Source: Military.com | Military Report | November 30, 2015 ++]
*********************************

Vet Jobs Update 181

Hire 500,000 Heroes Foundation

A U.S. Chamber of Commerce Foundation called Hire 500,000 Heroes has collected promises from more than
2,000 businesses to hire at least 200,000 more veterans or their spouses. Wal-Mart alone says that it has met its goal
of hiring 100,000 military veterans and has upped its commitment to 250,000. A coalition of more than 200 other
companies has vowed this month to make a million hires. All of this veteran hiring is taking place in an economy
where veterans have an overall unemployment rate of just 3.9% as of October. The most recent unemployment rate
for veterans who served after 9/11 was 4.6% essentially the same as the rate for civilians, which is at 5.0%
overall. In addition to the corporate hiring campaigns, the White House has an initiative known as Joining Forces
announced this year that it had secured new commitments from the private sector to hire or train 90,000 veterans and
military spouses, in addition to 100,000 already brought on board.
The employment situation has changed sharply from five years ago, when the country was in the grips of
recession, U.S. troops were still immersed in Afghanistan and Iraq, and being a recent veteran seemed to be a
disadvantage in the job market. Many employers hesitated to hire reservists, who could be deployed at any time. The
stigma of post-traumatic stress disorder is also thought to have hurt job prospects. The youngest veterans fared
worst, with unemployment rates in some months that were double those of other workers their age. But the latest
data show that among 18- to 24-year-olds, unemployment rates for veterans and civilians were statistically equal, at
just over 10%. While it unclear exactly how many veterans have been positively impacted by corporate American
and government hiring pledges, the most important contribution of the hiring campaigns may be their underlying
message: veterans are not the damaged people that many Americans imagine but valuable members of the
workforce. And as long as people are hiring veterans, which is the first and most important step towards
reintegrating them back into society after they leave the service. If you have a job, you have a chance. And that is all
anyone can ask for. [Source: TREA Washington Update | December 7, 2015 ++]
*********************************

Obit: George Taro Sakato

2 DEC 2015

The Congressional Medal of Honor Society announced that Private George Taro Sakato, Medal of Honor recipient,
passed away December 2, 2015, in Denver, Colorado at the age of 94. Private Sakato was born in Colton, California,
on February 19, 1921. He grew up outside San Bernardino where he graduated from Redlands High School. After
World War II began, his family moved to Arizona to avoid internment on the west coast. He joined the Army in 1944
and volunteered for the 442nd Regimental Combat Team, which was mostly made up of Japanese-Americans. In
October 1944 after his platoon had virtually destroyed two enemy defense lines near Biffontaine, France, his unit
42

was pinned down by heavy enemy fire. Disregarding the enemy fire, Private Sakato made a one-man rush that
encouraged his platoon to charge and destroy the enemy strong point. Taking charge of the squad after his squad
leader was mortally wounded, he continued his relentless tactics to stop an organized enemy attack. He was awarded
a Distinguished Service Cross for his actions, but the 1990s review upgraded it to a Medal of Honor. The 442nd
Regimental Combat Team remains the most decorated for its size and length of service in the history of American
warfare. He was awarded the Medal of Honor by President William J. Clinton at a White House ceremony on June
21, 2000. Funeral services are pending. There are 78 recipients alive today. [Source: Veteran News | Donnie La
Curan | December 3, 2015 ++]

**********************************

Obit: Tibor Rubin

5 DEC 2015

Tibor Rubin, a Hungarian-born Holocaust survivor who joined the U.S. Army after his liberation from the Nazis and
earned the Medal of Honor for heroism in the Korean War, died 5 DEC. Rubin's nephew, Robert Huntly, told the
Los Angeles Times that Rubin died of natural causes Saturday in Garden Grove California. He was 86. Huntly says
his uncle never lost his sense of humor despite a tragic personal history. When Rubin was just 13, he and his family
were rounded up by the Nazis and taken to the Mauthausen concentration camp in Austria. His parents and sister
died at the hands of the Nazis but Rubin survived for 14 months. He was liberated by American GIs and vowed to
join the U.S. Army if he ever made it to America. After he came to this country and enlisted, he was quickly sent to
Korea. There, Rubin's actions during battle and as a prisoner of war went beyond bravery to heroism.

Tibor Rubin

Assigned to defend a hill, Rubin single-handedly held off the enemy for 24 hours, inflicting casualties and
allowing his own unit to withdraw safely. Later he was captured by the Chinese. During his 2 years of captivity,
he risked his life to steal food for fellow prisoners, give them medical help and keep their morale up. He refused an
43

offer from his captors to return to communist Hungary. "Those who served with Ted speak of him as a soldier who
gladly risked his own life for others," Bush said. His acts of compassion came even though he suffered prejudice.
The Army says Rubin's fellow soldiers and commanding officers recommended him for the Medal of Honor three
times before, but the paperwork was not submitted because a member of his chain of command was believed to have
discriminated against him.
Rubin refused to say anything negative about the Army and his long wait for the Medal of Honor. But in
affidavits filed in support of Rubin's nomination, fellow soldiers said their sergeant was an anti-Semite who gave
Rubin dangerous assignments in hopes of getting him killed. In 1988, the Jewish War Veterans of the United States
urged Congress to recognize Rubin's efforts. President George W. Bush presented Rubin with the Medal of Honor in
2005. Rubin is survived by his wife and two children. [Source: The Associated Press | December 8, 2015 ++]
**********************************

NDAA for 2016 Update 18

Korean War POWs Overdue Honor

His unit decimated by North Korean forces, Pfc. Edward Grady Halcomb and a handful of fellow soldiers, all out
of ammunition, found themselves hiding out in a schoolhouse as enemy forces lobbed grenades at their position. The
19-year-old medic and his compatriots picked the grenades up and lobbed them back. Eventually, the small group
would surrender to the North Koreans, becoming some of the first U.S. prisoners of the Korean War. Halcombs
POW Medal citation notes simply that he was captured on July 27, 1950, and held prisoner until Oct. 20 of that year
offering no details on his service during that time, which included providing much-needed aid to more than 370
fellow soldiers forced to march from Seoul to Pyongyang. Halcomb would relate some of those actions to a retired
Air Force colonel writing a book about Korean POWs including the author's father, who died in captivity. Four years
after the books printing, and more than 65 years after Halcombs ordeal, the former POW, retired soldier and
tremendous war hero, as one lawmaker put it, will receive the Distinguished Service Cross.

Edward Grady Halcomb

It took an act of Congress to get around the awards statute of limitations. And not just any act: The measure was
part of the 2016 National Defense Authorization Act, signed last month by President Obama after an initial veto.
Halcomb, now 84, wasnt worried. Its only been 60 years, he recalled telling retired Col. W. Thomas McDaniel Jr.
when the push for the medal began. Whats the rush? McDaniels book, The Major, identifies Halcomb and his
fellow POWs as the most forgotten men in the Forgotten War. Figures vary, but about 4 in 10 U.S. troops captured
during the conflict didnt survive a higher percentage than that of U.S. service members who died in Japanese
captivity during World War II. Halcomb would spend his time as a prisoner trying to prevent fellow captives from
becoming part of that statistic. After surviving the battle in the small town of Anui 235 U.S. troops began the
fight, McDaniels book states(about 20 remained at its end) the teenager and his fellow prisoners were marched
to Taejon and eventually reached Seoul, where they joined others for a three-week, 250-mile march north to
Pyongyang.

44

Eighty men died en route. Halcomb, whod been with B Company, 1st Battalion, 29th Infantry Regiment, spent
much of his time keeping as many of the prisoners on the move as he could. Some of the other medics were older,
but he was the man, McDaniel said. They would rely on his judgment to see who was loafing, who was
sandbagging it of course, all of them were hurt, it was just a matter of degree he would decide who would ride
on the ox carts that they got at one point. That was a big deal, for the officers to give him that kind of authority. The
march reached Pyongyang in mid-October. Prisoners continued dying. Halcomb and four others were put on the
burial detail, he recalled, digging graves in a nearby Christian village. The group learned from villagers that U.S.
forces were nearing their position, and facing another northward march, decided to make their move.
Led by 1st Lt. J.B. Smith, the quintet broke ranks, cleared a 4-foot barricade to escape the camp and reached an
abandoned home stocked with basic provisions water, flour, rice that seemed like a banquet, according to
McDaniels book. Allied forces would find the men a few days later. Halcomb downplayed his heroics. He focused
on what happened to the men who remained under guard. Five days later, they took all the prisoners who hadn't
escaped and put them in the Sunchon tunnel, he said. They told them they were going to get them some food."
They lined them up, and then they got machine guns and started shooting," he said. Sixty-eight men died in the
massacre, according to a 1954 Senate report on war atrocities.
During research for his book, McDaniel found a 1951 letter from Smith to the general headquarters of U.S. Far
East Command, recommending the authors father for a Medal of Honor (he would posthumously receive a
Distinguished Service Cross) and seven others, including Halcomb, for the DSC, the militarys second-highest valor
award. Halcomb "laboriously put in many long hours tending to the sick, constantly exposed to the many diseases
rampant in the group, Smith wrote in the recommendation, which appears in McDaniel's book. He received no
extra food, yet often shared his food with the sick. He physically supported many of the sick as the group neared
Pyongyang, thereby saving many from execution. The recommendation was lost to history. Halcomb remembered
Smith writing him to say hed been put in for a high award, but the career soldier went about his duties minus the
recognition. He retired in 1968 as a sergeant first class, making good on a promise to his mother that his second stint
in the service would stick he initially enlisted underage and was discharged after twice going absent without
leave. He later found a different recruiter and joined again.
He got into the gas-station business after leaving uniform, and got out before the energy crisis in the 1970s. He
later owned a tackle shop. He gave up fishing after retirement, he said, when it became a chore. He kept nearly all
his war stories to himself, daughter Jan Ragan said, until McDaniel reached out as part of his research. McDaniel
described the discussions between the former POW and the son of a fallen POW as very emotional. They
stretched over about a year and a half and led McDaniel to pursue the DSC, first reaching out to then-Sen. Daniel
Akaka (D-HI). Later, Halcombs then-congressman, Republican Rep. Dennis Ross of Floridas 15th district, would
be asked to assist. A caseworker "just unraveled this incredible story about this tremendous war hero," Ross said.
Ross said then-Army Secretary John McHugh personally affirmed that the service would approve the honor if
time limitations involving DSC awards were waived: Federal law mandates that the DSC be awarded within five
years of the action it honors or, if a recommendation has been lost, within two years of its discovery.
Ross introduced a bill to lift the time limits in March. It never left the House Armed Services Committee. He
credited two fellow Florida legislators for their assistance in getting it into the final NDAA: Republican Rep.
Richard Nugent and Democratic Sen. Bill Nelson. All seemed well until 23 OCT, when President Barack Obama
vetoed the legislation over unrelated spending issues. About a month later, a resurrected 2016 NDAA, still with
Halcomb mentioned by name in Section 581, became law. I sort of figured theyd get things back together, and they
did, Halcomb said. Despite McHughs departure, an Army spokesman confirmed that the service intends to approve
the award, though details on the time and place of the ceremony werent yet in place. His story is just phenomenal,
Ross said. The makeup of this man is incredible, and I'm so delighted that our staff and I have been able to help

45

him obtain this long-overdue recognition. This is one of the best parts of the job," he said. [Source: ArmyTimes |
Kevin Lilley | December 7, 2015++]
********************************

Retiree Appreciation Days

As of 11 DEC 2015

Retiree Appreciation Days (RADs) are designed with you in mind. They're a great source of the latest information
for retirees and Family members in your area. RADs vary from installation to installation, but, in general, they
provide an opportunity to renew acquaintances, listen to guest speakers, renew ID Cards, get medical checkups, and
various other services. Some RADs include special events such as dinners or golf tournaments. Due to budget
constraints, some RADs may be cancelled or rescheduled. Also, scheduled appearances of DFAS representatives
may not be possible. If you plan to travel long distances to attend a RAD, before traveling, you should call the
sponsoring RSO to ensure the RAD will held as scheduled and, if applicable, whether or not DFAS reps will be
available. The current schedule is provided in the attachment to this Bulletin titled, Retiree Activity\Appreciation
Days (RAD) Schedule. Note that this schedule has been expanded to include dates for retiree\veterans related
events such as town hall meetings, resource fairs, stand downs, etc. For more information call the phone numbers of
the Retirement Services Officer (RSO) sponsoring the RAD as indicated in the attachment. An up-to-date list of
Retiree Appreciation Days can always be accessed online at:
HTML: http://www.hostmtb.org/RADs_and_Other_Retiree-Veterans_Events.html
PDF: http://www.hostmtb.org/RADs_and_Other_Retiree-Veterans_Events.pdf
Word: http://www.hostmtb.org/RADs_and_Other_Retiree-Veterans_Events.doc
[Source: RAD List Manager | Milton Bell | December 11, 2015 ++]
*********************************

Vet Hiring Fairs

16 DEC thru 15 Feb 2016

The U.S. Chamber of Commerces (USCC) Hiring Our Heroes program employment workshops are available in
conjunction with hundreds of their hiring fairs. These workshops are designed to help veterans and military spouses
and include resume writing, interview skills, and one-on-one mentoring. For details of each you should click on the
city next to the date in the below list. To participate, sign up for the workshop in addition to registering (if indicated)
for the hiring fairs which are shown below for the next month. For more information about the USCC Hiring Our
Heroes Program, Military Spouse Program, Transition Assistance, GE Employment Workshops, Resume Engine,
etc. visit the U.S. Chamber of Commerces website at http://www.hiringourheroes.org/hiringourheroes/events .
Miami, FL - Miami Hiring Fair Details Register
December 10 - 8:30 am to 1:30 pm
Cleveland, OH - Cleveland Hiring Expo with Cleveland Cavaliers Details Register
January 25 - 9:00 am to 2:00 pm
Austin, TX - Austin Hiring Fair Details Register
January 27 - 8:30 am to 1:30 pm
San Antonio, TX - San Antonio Hiring Expo with San Antonio Spurs Details Register
February 3 - 9:30 am to 2:00 pm
[Source: U.S. Chamber of Commerce Assn December 14, 2015 ++]
*********************************
46

WWII Vets 96

Hida~Takejiro

When a 21-year-old Takejiro Higa landed on the island of Okinawa in April 1945, he had no idea he would play a
key role in one of the most horrific battles of World War II. Higa, now 92, was a member of a little-known U.S.
Army unit composed of Americans of Japanese descent. Fluent in the language, their job was to translate maps and
documents, interrogate prisoners and serve as the eyes and ears of American commanders in the Pacific. He was
born in Hawaii but had spent much of his youth on Okinawa, from ages 2 to 16. During the three-month battle on
the island, he mostly coaxed Japanese civilians and soldiers from caves and bunkers. Civilians and soldiers alike had
been told that Americans would kill anyone taken captive, and that death even by suicide was preferable. "I
went to many caves urging the civilians hiding there to come out: 'Americans are not savages. (If) you come out, we
have food and water. If you are injured, our medical (corps) will take care of you. Please come out; come out as
soon as possible.' I would say that over and over in Japanese and then say the same in Okinawa dialect," Higa
recalled from his home in Hawaii.

Takejiro Higa, a former member of the U.S. Army's Military Intelligence Service, talks to U.S. Marines during a Dec 2014
visit to a Futenma Air Base cave where he coaxed some 200 Japanese civilians and soldiers to safety during the Battle of
Okinawa.

He was responsible for saving as many as 3,000 lives, according to a survey by a local newspaper years after the
bloody battle. Higa didn't attend the 70 th anniversary memorial service on the southern part of the island on 22
JUN, but he did return to Okinawa in December to take part in a symposium on the battle. More than 14,000
American and 77,000 Japanese troops were killed in the battle dubbed a "typhoon of steel." Some 149,000
Okinawan civilians also died, many by their own hand. It was one of many battles in which Japanese Americans of
the Military Intelligence Service (MIS) played an important role. "For decades after the war, the service of MIS
Japanese Americans was kept secret. And as their important contributions were declassified the records of their
service were often incomplete, or missing entirely," Adm. Harry Harris, commander of U.S. Pacific Command, said
in a speech this year. Though lesser-known than the famed 442nd Infantry Regiment a unit of Japanese-American
troops who served in Europe and became the most-decorated American combat unit of World War II about 6,000
Japanese-Americans also served with the MIS in the Pacific. "They helped shorten the war, and they saved countless
lives," Harris said.
Higa, as a teenager, had returned to Hawaii after his mother died. Two years later, Pearl Harbor was attacked.
Higa enlisted in the Army and joined the MIS as the invasion of Okinawa was being planned. "As I stood on the top
level of the troop ship before transferring to the landing craft, I don't mind telling you, I had tears in my eyes.
Because I was thinking, 'Why? I'm an American soldier. Why I am I about to invade my ancestors' homeland?' " he
said. Japan had planned a war of attrition, leaving the beach undefended but luring the American soldiers into
heavily fortified jungle defenses, riddled with caves and bunkers. Thousands of civilians had also fled to the caves,

47

and interpreters were sent to talk them into coming out. He occasionally found he was talking to former neighbors,
classmates and even one of his teachers. The reunions invariably ended in tears of joy and relief, he said.
When he returned to Okinawa last year for the symposium sponsored by the Okinawa Memorial Peace Museum,
he visited a cave where he had convinced a group of 200 soldiers and civilians to come out. The group included
Toyo Tawada, now 90. The cave is located on what is now a U.S. Marine Corps air base. "The other families in the
cave were talking about going into the ocean to die because even in death they will not be separated as a family. But
then (Higa) came and told us to come with him out of the cave," Tawada told interviewers. "The one thing I can say
very proudly is that although I was involved from the very beginning, even from before the invasion, I never fired
one shot from my rifle at anybody," Higa said in a phone interview. "By using language English and Japanese and
Okinawan dialect I was able to do my duty as an American soldier. And at the same time, I was of some help to
the innocent civilians on Okinawa. For that I'm very grateful, even today." [Source: USA TODAY | Kirk Spitzer |
June 23, 2015 ++]
*********************************

State Veteran's Benefits & Discounts

Minnesota

The state of Minnesota provides several benefits to veterans as indicated below. To obtain information on these
refer to the attachment to this Bulletin titled, Veteran State Benefits MN for an overview of the below those
benefits. Benefits are available to veterans who are residents of the state. For a more detailed explanation of each
refer to http://www.minnesotaveteran.org.
Housing Benefits
Employment Benefits
Education Benefits
Other State Veteran Benefits
Discounts

[Source:http://www.military.com/benefits/veteran-state-benefits/minnesota-state-veterans-benefits.html Dec 2015+

+]

* Vet Legislation *

Legislation of Interest Update 22

VA Pain Management & Patient Abuse

There is legislation moving in Congress that would change how VA medical centers handle patient pain management
and prescription pain killer distribution. The bill is called the Jason Simcakoski PROMISE Act, in honor of the
48

Stevens Point veteran that died after receiving a toxic cocktail of pain medications through the Tomah VA Medical
Center a year ago. The legislation is getting support from Democrats and Republicans in both the House and Senate.
Representative Ron Kind of La Crosse says the investigations centered around the Tomah VA have led to this piece
of legislation. "We're trying to keep the focus on the quality and outcome of care that all of our veterans need and
deserve, and through that, through better education, better "best practices" and more training, more resources,
hopefully we can start getting a grip on this opiate over-prescription problem and overall pain management problem
that we have in the VA system, and quite frankly, throughout the entire health care system."
America may not be at war right now, but Kind says we still have many veterans that have returned home and
many more veterans coming back in the next several months, and America needs to keep its promise to take care of
them. "Two million of our veterans now coming home from deployments in Iraq, & Afghanistan. Most of them are
bringing home with them a lot of physical and mental needs. Some care and attention (is needed), that our nation
needs to step up and address. We've got to do this in a bipartisan fashion, and just keep the focus on the best possible
care and treatment for all of our veterans." The Jason Simcakoski PROMISE Act has companion legislation in the
U.S. Senate. Both bills are in committee now. The legislation also has the support of veterans groups including the
Disabled American Veterans, American Legion, Veterans of Foreign Wars, and Paralyzed Veterans of America.
The Veterans Administration in Tomah just released it's 100-Day Plan27 NOV, which is their next step in making
improvements at the local health campuses. Since the investigation began, there have been some meetings to get
input from staff and the community. Kind is glad to hear more of these meetings are coming up. "I applaud the VA
for reaching out to the community and getting feedback on a pretty regular basis, and that, too, is going to lead to the
improvement and what needs to occur." Kind's bill focuses on updating pain management guidelines, strengthening
provider education and training, improving patient advocacy, and authorizing a new commission to examine
alternative treatments.
There is also a Senate bill introduced by Illinois Republican Mark Kirk called the VA Patient Protection Act. It is
designed to force the Department of Veterans Affairs (VA) to address reports of abuse of veteran patients and to
punish VA managers who ignore, intimidate and retaliate against whistleblowers. Both of Wisconsin's Senators, Ron
Johnson and Tammy Baldwin, have signed on to that bill. [Source: WHBL | Jerry Bader | November 30, 2015 ++]
*********************************

VA Prescription Policy Update 05

H.R.4063/S.1641 | Opioid Over-Use

Senator Tammy Baldwin of Wisconsin and Representative Gus Bilirakis of Florida have introduced similar bills to
address a worrisome problem identified in the practices of some VA prescribers on the over-use of opioids and
benzodiazepine, especially for veterans challenged by mental illness. The bills, S. 1641 and H.R. 4063, are omnibus
measures that deal not only with new procedures for prescribers but also establish new programs for complementary
and alternative approaches to dealing with chronic non-cancerous pain. Finally, the bills would establish new
controls and reporting requirements for VA physicians who make medical errors and mistakes. Readers are urged to
contact their elected officials and urge them to cosponsor and support passage of these bills during the 114th
Congress. Veterans in VA health care should not be exposed to over-prescribing with dangerous and addictive
substances. These bills would advance standardized protections for veterans. To facilitate contacting your elected
officials the DAV has prepared an editable preformatted message that can be automatically sent via email to your
legislators.
Simply
click
the
following
link
https://www.votervoice.net/BroadcastLinks/SnlSHX7RwdHaYkYY7x9J4w to log in and send the message which
reads:
As your constituent, I write to urge your support for passage of H.R. 4063, a bill introduced by Representative Gus
Bilirakis, in response to reported incidents of over-prescribing of dangerous drugs for veterans by VA practitioners.
Veterans in VA health care should not be exposed to over-prescribing with dangerous and addictive substances. This
49

bill would put in place mechanisms to protect veterans from inappropriate practices and would promote patient
safety and improve care. Please advise me of the actions you intend to take with respect to this bill.
[Source: DAV | Moses McIntosh | December 4, 2015++]
*********************************

SBP Changes After Retirement Update 02

NDAA Reverses DFAS Policy

A new law will prevent military retirees from losing Survivor Benefit Plan benefits when their ex-spouse dies before
they do, by allowing the benefit to be transferred to a current or future spouse. The 2016 National Defense
Authorization Act provision will help an unknown number of people like retired Air Force Lt. Col. Harold Brown,
who paid tens of thousands of dollars into his Survivor Benefit Plan for his ex-wife. Retirees agree to pay a portion
of their retirement pay into their SBP so that, when they die, the program will pay an annuity to their surviving
beneficiary based on a portion of the retirees pay.
Brown, one of World War IIs famed Tuskegee Airmen, who survived being shot down near Austria and taken as
a prisoner of war, has been in a battle with the Defense Finance and Accounting Service since 2013, when his exwife died of cancer. At the time, he asked to transfer his SBP benefit to his current wife. Unbeknownst to him and a
number of other retirees, DFAS had changed its interpretation of the law in May 2013 and refused to allow him
to transfer the benefit. That new interpretation affected situations in which SBP was awarded to an ex-spouse as part
of a divorce settlement. DFAS said that, because the benefit would henceforth be considered part of the ex-spouses
property, the benefit "expired" if the ex-spouse died. The new provision, which took effect on 25 NOV, fixes that
problem for future retirees. It also applies retroactively to retirees who were previously unable to transfer their
benefits after their ex-spouse died.
Ive been waiting and waiting and waiting," said Brown, 90. "When I got the news, I was quite delighted. This
was just a terrible wrong. Brown, who hired an attorney to help him pursue the issue, said that he's also happy for
other affected retirees. "There are others who are in much worse [financial] shape. ... It will make a tremendous
difference to them, he said. The new law allows:

A military retiree who was married at the time of an ex-spouse's death, or who later remarries, to elect to
provide SBP coverage to his or her current spouse. The request must be received by DFAS within one year
after the date of the ex-spouse's death. For retirees who remarry after an ex-spouses death, the request must
be received within one year after the date of the marriage.
A military retiree whose ex-spouse died before the effective date of the new law to elect coverage for his or
her current spouse, regardless of whether the remarriage happened before or after the ex-spouse's death.
The request must be received within one year of the law's Nov. 25, 2015, enactment.

Information was not immediately available on whether or when DFAS will have revised procedures in place to
implement the new law, or whether retirees will simply be able to submit a standard DD Form 2656-6, as they did
before May 2013. Phil Odom, deputy director of government relations for the Military Officers Association of
America, said that DFAS had allowed SBP transfers after the death of a former spouse from the time SBP was
created in 1972 until the agency changed its interpretation of the law more than 2 years ago. Odom said the fact
that DFAS made no public notice of the policy change rankled retirees, advocacy groups and some lawmakers. The
remedy was essentially painless and did not threaten former spouses, he noted. Brown did not hesitate to name his
first wife as his beneficiary when they divorced in 1991. It seemed to me the only honorable thing to do, he said in
an interview in March. I would have done it even if it hadnt been for the court order. She was the mother of my
two children. How was I to know cancer would catch up with her and she would die before me?
If Brown had died before his ex-wife, the SBP would have paid a monthly annuity to her equal to 55 percent of
his monthly retirement pay. But after his ex-wife died, he said he simply wanted to name his new spouse, whom he
married in 2010, as his SBP beneficiary. With the passage of the new law, he said, a terrible wrong has now been
corrected. I would like to thank any and all people who played a role in the passage of this law. The request for the
change originally came from defense officials, said Dustin Walker, spokesman for the Senate Armed Services
Committee. We thought it was common sense to ensure service members are able to pass their benefits on to their
loved ones, Walker said. In April, a DFAS official told Military Times that the agency had drafted potential
50

legislation and provided a copy to defense personnel officials. Odom said that MOAA had brought the matter to the
attention of defense officials and staff members of House and Senate Armed Services Committees. The Military
Coalition also adopted the issue as a goal to be remedied in fiscal 2016, Odom said. [Source: MilitaryTimes | Karen
Jowers | December 9, 20152015 ++]
*********************************

GI Bill Update 196

GI Bill Fairness Act S.602/H.R.1141

The bipartisan GI Bill Fairness Act would ensure that servicemembers of the Guard or Reserve who are wounded in
combat are eligible for the same GI Bill benefits as active-duty members of the military. Currently, wounded Guard
or Reserve members are often given orders under 10 USC 12301(h) for their recovery, treatment and rehabilitation.
Unfortunately, federal law does not recognize such orders as eligible for Post-9/11 GI Bill education assistance,
meaning that unlike other members of the military, these members of the Guard and Reserve actually lose benefits
for being injured in the line of duty. Theres no reason that Guard and Reserve members who are wounded in battle
shouldnt receive the same benefits as other active duty members, Wyden said. Our bipartisan solution that passed
the committee today will make sure these brave Americans get the benefits theyve earned. "This is a step forward
to ensuring equal treatment for our members of the Guard and Reserve who are injured during their service to our
nation. I was proud to support this legislation in committee and will continue to encourage my colleagues to support
this commonsense measure on the Senate floor, Boozman, a member of the Senate Veterans Affairs Committee,
said. [Source: Oregon KTVZ.com | December 10, 2015 ++]
********************************

VA Suicide Prevention Update 28

Female Veteran Suicide Prevention Act

Representative Julia Brownley introduced H.R. 2915, the Female Veteran Suicide Prevention Act. If enacted, this
bill would identify mental health and suicide prevention programs that are the most effective with the best outcomes
among women veterans at risk. The bill would require VA to report the results of this analysis to the Congressional
Veterans' Committees. Recent data reveals the suicide rate of women veterans is nearly six times higher than
women in general; for women ages 18-29, the risk is even higher, at nearly 12 times the rate of women in general.
These findings have prompted clinicians and policy makers at VA to develop a number of outreach initiatives and
clinical approaches to enable VA to better deal with this health care crisis. VA experts are examining the many
reasons suicide rates among women veterans are higher. According to VA's suicide prevention office, a history of
military sexual assault may be a major contributing factor.
Enactment of Mrs. Brownley's bill would improve VA's evaluative efforts in this challenging area. The DAV is
asking Americans to write their Representatives today to urge co-sponsorship and passage of H.R. 2915. To
facilitate this, at https://www.votervoice.net/BroadcastLinks/aT8hDthSTlMYs3SK4v8JxA DAV has provided a
preformatted editable message that will be automatically forwarded to our congressman once your identifying data is
included. [Source: DAV National CDR | Moses A. McIntosh | December 9, 2015 ++]
*********************************

SVAC Update 14

Committee Advances Key Bills | S.525 & S.290

On 9 DEC, the Senate Veterans Affairs Committee held a markup to amend and advance several pieces of
legislation that the VFW strongly supports. The Veterans Homeless Programs, Caregiver Services and Other
Improvements Act of 2015 (S.425) served as an omnibus, including the language from bills that would expand the
51

VA comprehensive caregiver support program to veterans of all eras, make it easier for survivors to apply for
benefits, allow Fry Scholarship participants to participate in the Yellow Ribbon program, expand the definition of a
homeless veteran to include those fleeing domestic violence, and restore GI Bill benefits to veterans affected by
unexpected school closures, among other things. The committee also advanced S.290, the Increasing the
Department of Veterans Affairs Accountability to Veterans Act of 2015, which would eliminate pensions for senior
VA employees convicted of serious crimes. These bills now head to the full Senate for consideration. Stay tuned to
the Action Corps Weekly for future updates. To watch a webcast of the markup, visit:
http://www.veterans.senate.gov/hearings/business-meeting-markup-12092015 . [Source: VFW Action Corps
Weekly | December 11, 2015 ++]
*********************************

Vet Bills Submitted to 114th Congress

151201 thru 151215

Refer to this Bulletins House & Senate Veteran Legislation attachment for a listing of Congressional bills of
interest to the veteran community introduced in the 114 th Congress. The list contains the bills number and name,
what it is intended to do, its sponsor, any related bills, and the committees it has been assigned to. Support of these
bills through cosponsorship by other legislators is critical if they are ever going to move through the legislative
process for a floor vote to become law. A good indication of that likelihood is the number of cosponsors who have
signed onto the bill. Any number of members may cosponsor a bill in the House or Senate. At
https://beta.congress.gov you can review a copy of each bills content, determine its current status, the committee it
has been assigned to, and if your legislator is a sponsor or cosponsor of it by entering the bill number in the sites
search engine. To determine what bills, amendments your representative/senator has sponsored, cosponsored, or
dropped sponsorship on go to:
https://beta.congress.gov/search?q=%7B%22source%22%3A%5B%22legislation%22%5D%7D,
Select
the
Sponsor tab, and click on your congress persons name.
You can also go to
http://thomas.loc.gov/home/thomas.php.
Grassroots lobbying is the most effective way to let your Congressional representatives know your wants and
dislikes. If you are not sure who is your Congressman go to https://beta.congress.gov/members. Members of
Congress are receptive and open to suggestions from their constituents. The key to increasing cosponsorship support
on veteran related bills and subsequent passage into law is letting legislators know of veterans feelings on issues.
You can reach their Washington office via the Capital Operator direct at (866) 272-6622, (800) 828-0498, or (866)
340-9281 to express your views. Otherwise, you can locate their phone number, mailing address, or email/website to
communicate with a message or letter of your own making at either:
http://www.senate.gov/general/contact_information/senators_cfm.cfm
http://www.house.gov/representatives
FOLLOWING IS A SUMMARY OF VETERAN RELATED LEGISLATION INTRODUCED IN THE
HOUSE SINCE THE LAST BULLETIN WAS PUBLISHED

H.R.4125 : Veteran Medical Facility Access in Densely Populated Communities. A bill to direct the
Secretary of Veterans Affairs to conduct a study on the feasibility of the Secretary entering into publicprivate partnerships to improve the access of veterans to medical facilities in densely populated
communities and rural communities.
H.R.4129 : Jumpstart VA Construction Act. A bill to direct the Secretary of Veterans Affairs to carry out
a program under which the Secretary enters into partnership agreements with non-Federal entities for the
construction of major construction projects authorized by law, and for other purposes.
52

H.R.4134 : Veterans Health Care Staffing Improvement Act. A bill to require the Secretary of Veterans
Affairs to carry out a program to increase efficiency in the recruitment and hiring by the Department of
Veterans Affairs of health care workers that are undergoing separation from the Armed Forces, to create
uniform credentialing standards for certain health care professionals of the Department, and for other
purposes.
H.R.4138 : VA Relocation Expense Recoupment. To authorize the Secretary of Veterans Affairs to
recoup relocation expenses paid to or on behalf of employees of the Department of Veterans Affairs.
H.R.4144 : Seniors And Veterans Emergency (SAVE) Benefits Act. A bill to provide for a
supplementary payment to Social Security beneficiaries, supplemental security income beneficiaries, and
recipients of veterans benefits, and for other purposes.
H.R.4150 : Department of Veterans Affairs Emergency Medical Staffing Recruitment and Retention
Act. A bill to amend title 38, United States Code, to allow the Secretary of Veterans Affairs to modify the
hours of employment of physicians and physician assistants employed on a full-time basis by the
Department of Veterans Affairs.
H.R.4159 : Access to Military Service Records Act of 2015. A bill to limit the fees charged by the
National Archives and Records Administration to veterans for military service records, and for other
purposes.

FOLLOWING IS A SUMMARY OF VETERAN RELATED LEGISLATION INTRODUCED IN THE

SENATE SINCE THE LAST BULLETIN WAS PUBLISHED

S.2357 : Foreclosure Relief and Extension for Servicemembers Act of 2015. A bill to extend
temporarily the extended period of protection for members of uniformed services relating to mortgages,
mortgage foreclosure, and eviction, and for other purposes.

[Source: https://beta.congress.gov & http: //www.govtrack.us/congress/bills December 14, 2015 ++]

* Military *

USS Zumwalt (DDG-1000) Update 05

Tumblehome Hull Concerns

The largest destroyer built for the U.S. Navy cuts an imposing figure: massive, with an angular shape, hidden
weapons and antennas, and electric-drive propulsion. But underneath the stealthy exterior resides a style of hull that
fell out of favor a century ago in part because it can be unstable. The Navy will soon learn how this modern take on
the "tumblehome" hull holds up when the first-in-class Zumwalt heads out to sea in December for builder trials in
the rough-and-tumble North Atlantic. Amy Lent, of the Maine Maritime Museum, which works closely with the
shipyard, said taxpayers needn't worry because the Navy and shipbuilder Bath Iron Works have tested the hell out of
it. "This is an enormous investment. There's so much at stake. They're not slapping something together and sending
it out to sea," she said. "I think they're pretty confident. They know what they're doing."

53

Designers chose the hull style associated with pre-dreadnought battleships, but this warship looks nothing like
one from President Theodore Roosevelt's "Great White Fleet." The inverse bow juts forward to slice through the
waves. A composite deckhouse hides radar and antennas, giving it a clean look. Sharp angles deflect radar signals.
Typical of tumblehomes, though, the hull slopes inward above the waterline, giving the Zumwalt something of a
pyramid shape. The shape can cause problems in certain conditions, critics say. Concerns have been voiced in the
ship-design and shipbuilding communities about the warship's overall stability and any instability could be
exacerbated if there's battle damage, said Matthew Werner, dean at the Webb Institute, which teaches naval
architecture and marine engineering in Glen Cove, New York. But the hull's sloping sides contribute to the Navy's
goal of stealth. The Navy contends the 600-foot-long, 15,000-ton behemoth will look like a small fishing boat on
enemy radar. "It's a true engineering challenge. They're trying to make a ship with stealth characteristics that
requires certain shapes. To do that they have to compromise," Werner said.
Norman Polmar, a naval historian, analyst and author who is sometimes critical of the Navy's decisions, said he
has no qualms about the Zumwalt's seaworthiness after a large-scale model was built to prove the concept. The Navy
has built a modern version of the tumblehome that utilizes computers to aid in stability, much like the Air Force used
computers to transform a flying wing the B-2 bomber into a stable aircraft. "The technology today makes that
concept doable and much more efficient," Polmar said. The ship is 50 percent bigger than the current generation of
destroyers but has advanced automation to reduce the crew size. It'll use turbines similar to those used in a Boeing
777 to create electricity to drive the ship. It'll have new radar and sonar, and powerful guns with rocket-propelled
projectiles.
The Navy, which views the ship as an important part of the Obama administration's Asia-Pacific strategy, can't
afford a flop after the cost of the first ship ballooned to at least $4.4 billion and construction fell behind schedule.
"The Navy has validated the ship's design through extensive computer modeling and simulation, as well as scale
model testing in various sea states, speeds and weather conditions. We are confident the design is safe, that the ship
is seaworthy, and its operating parameters are known and understood," said Capt. Thurraya Kent, a spokeswoman.
Bath Iron Works will be testing the ship's performance and making tweaks this winter. The goal is to deliver it to the
Navy sometime next year. [Source: Associated Press | David Sharp | November 29, 2015
*********************************

GTMO Prison Update 02

Use of Women Guards

A U.S. Army officer on 8 DEC defended her decision to use female guards at Guantanamo Bays top-secret Camp 7,
where Muslim prisoners say contact with unrelated women is an affront to their religion. The officer, a former
commander of Camp 7 whose name was not disclosed, told a court at the base in Cuba that she started to use women
to transport prisoners in 2014 due to a shortage of guards with the proper training and security clearance amid an
increased demand to move men about the detention center for legal meetings and hearings before judges. That move
prompted outrage among some of the prisoners in Camp 7, including the five men facing trial by military
commission for their alleged roles planning and supporting the Sept. 11, 2001, terrorist attack. Lawyers for the men
said they began refusing to attend meetings or to cooperate with their defense, making the issue yet another obstacle
in long-stalled legal proceedings against the men.
Female guards work regularly in the two main camps of the Guantanamo Bay detention center but have less
physical contact with the prisoners. There are a total of 107 prisoners held at the base. The judge overseeing the
Sept. 11 case issued a temporary order in January halting the use of women in Camp 7, where only male guards had
been used until 2014. Military officials are now asking him to reverse the ruling, arguing that it discriminates against
female soldiers and impedes camp operations. The former officer testified by video link from Massachusetts, where
she has served with the state National Guard for 33 years and worked as a police officer for 21 years. She had never

54

run a detention center before being appointed commander of Camp 7, which holds such prisoners as Khalid Shaikh
Mohammad, the self-proclaimed architect of the Sept. 11 attack and other alleged terrorists.

She said she consulted with a detention center cultural adviser before using women guards to transport prisoners
and was told it would be OK because guards were touching male prisoners as part of their duties. She said the
military made an effort to accommodate the mens religious beliefs in general. Any inquiry, especially when it was
linked to their religious practices, was reviewed thoroughly, she said. Lawyers for the men argue that being
physically handled by women not only violates their deeply held Muslim beliefs but is also traumatic for men who
were subjected to what they say were brutal CIA interrogations that amounted to torture. They say its also relatively
easy to find alternatives. A need for equality of the sexes, doesnt mean you cant respect their religious rights and
work around it, said James Harrington, a lawyer for defendant Ramzi Binalshibh.
The judge, Army Col. James Pohl, was hearing testimony on the female guard issue on the first of four scheduled
days of pretrial hearing the Sept. 11 case. The five prisoners face charges that include terrorism and nearly 3,000
counts of murder in violation of the law of war and could get the death penalty if convicted. [Source: The
Associated Press | December 8, 2015 ++]
*********************************

Army Service-Related Documents

Tips to Obtain

Army veterans and retirees who served on active duty or in the reserves and their family members are eligible to
receive a variety of service-related documents for free. It's just a matter of knowing how. Records and other
documents are available from Human Resources Command, Department of Veterans Affairs, National Archives and
other official sources. Because such documents are provided free to those qualified to receive them, there is no
reason to get them from commercial firms that charge fees, according to Army officials.
A good first stop for information on how to get Army veteran service documents is HRCs Human Resource
Service Center toll-free by phone at 1-888-276-9472 or DIN 983-9500, or email at ask-hrc@us.army.mil. Phones are
staffed weekdays from 7 a.m. to 7 p.m. Eastern Standard Time. Service center officials can provide specific
information and addresses for submitting document requests to HRC, the VA, National Archives and Records
Administration and other government agencies. Most requests should be submitted on Standard Form 180 (Request
Pertaining
to
Military
Records).
The
form
can
be
downloaded
for
printing
at
www.archives.gov/research/order/standard-form-180.pdf. Here are tips to get five commonly requested documents
and services:
DD Form 214, Certificate of Release or Discharge from Active Duty
Requests can be submitted on a dated and signed letter, but preferably on a SF Form 180 that provides
details about what items a veteran believes are in error. If available, copies of supporting documents
(divorce decrees, court orders, birth certificates, etc) should be included with the request.
Corrections typically involve the veterans name, Social Security number, date of birth, place of birth and
beginning and end dates of military service. Any corrections will be reflected on a DD Form 215
(Correction to DD Form 214).
55

Veterans can receive a copy of a lost DD Form 214 by submitting a request on a SF Form 180. Veterans
who were never issued a DD Form 214 can request an issuance, provided there is enough information on
file.
If there is not enough information in the record, HRC will issue a Transcript of Military Records (DA Form
1569) or a Statement of Service (AHRC Form 2496-E). Both documents are authorized replacements for
DD Form 214.

Statement of Military Service

Requests should be submitted on a SF Form 180. Statements will be a compilation of a veterans service,
from date of entry into the military to date of discharge or retirement.
The statement will include all promotions, grade reductions (if appropriate), dates of rank, character of
service, reason for separation and all retirement points earned during a career.
Lost or missing military awards and decorations
Inquiries and requests for replacement medals should be submitted on a signed and dated letter or SF Form
180. Supporting documents, such as a copy of the veterans DD Form 214, will facilitate the process.
Requests should be submitted to the National Archives and Records Administration, 1 Archives Drive, St.
Louis, MO 63138-1002. Call (314) 801-0800.
College credits for military schooling - Many colleges and universities award credits for military
training and education. Veterans can request HRC to provide a transcript of their military
schooling, which can then be used by colleges for determining education credits.
Veteran benefits
While the Army and HRC can verify a veterans military service, requests for veteran benefits eligibility
should be directed to a local Veterans Benefits Administration office, or the Department of Veteran Affairs.
One of the most popular benefits is the VA Home Loan. To qualify, veterans must provide proof of service
to the VA with such documents as the DD Form 214, a Chronological Statement of Retirement Points
(AHRC Forms 249-E or DARP 249) or the National Guard Bureau Retirement Credits Record (NGB Form
23).
Officials recommend that requests for proof of service be submitted to HRC at the same time a veteran
contacts a mortgage company. Processing can take 30 to 45 days. Requests should be submitted on a SF
180 or a signed and dated letter.
[Source: SrmyTimes | Jim Tice | December 6, 2015 ++]
*********************************

Women in Combat Update 03

Why Carter Overruled Marine Arguments

Defense Secretary Ashton Carter ruled 3 DEC that women will be allowed to serve in all combat jobs in the U.S.
military. As long as they qualify and meet the standards, women will now be able to contribute to our mission in
ways they could not before, he said. Even more importantly, our military will be better able to harness the skills
and perspectives that talented women have to offer. The Marines, alone among the services, had argued that women
should be barred from the corps ranks of infantry, machine-gunners and fire-support reconnaissance units. Carters
bottom line echoes what advocates of opening up front-line combat jobs to women have long argued: that while the
average female soldier or Marine may be weaker and slower than her male counterpart, outstanding women can outperform average male military personnel. The defense secretary, who never served in uniform, relied on the advice
of former Navy officer and current Navy Secretary Ray Mabuswho is the Marines civilian overseerfor cover in
steamrolling the Marines recommendation against women serving in such combat assignments.
That could cause trouble on Capitol Hill. Rep. Duncan Hunter, a California Republican who served as a Marine
in both Afghanistan and Iraq, called for Mabus resignation after word leaked out that he was over-ruling the corps
brass. He insulted the competency of Marines by disregarding their professional judgment, their combat experience
and their quality of leadership, Hunter, a member of the armed services committee, said in a September letter to
56

Carter. The Republican chairmen of the armed services committees said in a statement following Carters
announcement that they looked forward to reviewing the 1,000-page Marine Integrated Task Force reportthat
buttressed the corps request to keep women off the Marines front lines. Other lawmakers hailed Carters action.
We know from all the quality data that women are just as capable and lethal on the battlefield, and so many women
are already serving their country with pride and distinction, said Rep Jackie Speier (D-CA) also a member of the
armed services panel. It is long past time that we let them fight in every capacity.

Female soldiers began attending the Armys grueling Ranger school earlier this year.

The Marines recommendation had come from General Joseph Dunford, who was serving as commandantthe
Marines top officerwhen the corps relayed its recommendation to Carter. But since 1 OCT, Dunford has served as
chairman of the Joint Chiefs of Staff, the principal military adviser to the President. Nonetheless, Carter noted that
Dunford recommended that if we were to integrate women into combat positions, then implementation should be
done in a combined manner by all the services working together. Excerpts from internal Marine studies provided to
Carter included evidence that all-male units performed better than mixed-gender units:

The Marines argued that male Marines were better shots:

And the corps said its studies showed that females were more likely to be injured in training than males:

57

But Carter wasnt swayed. The corps arguments were just not definitive, not determinative, Carter said. In his
three-page order opening all combat slots to women, for example, he acknowledged the differences in injury rates.
Both the Army and Marine Corps studies found that women participating in ground combat training sustained
injuries at higher rates than men, particularly in occupational fields requiring load-bearing, he wrote. These
studies also revealed concrete ways to help mitigate this injury rate and the impact to individuals and the teams in
which they operate. Careful implementation should smooth the path of women into all combat units, including the
Marines, Carter said. I believe that the issues raised, including by the Marine Corps, could be addressed
successfully in implementation, he added, echoing a theme he cited several times at the press conference where he
made his decision public. Dunford, the nations highest military officer, was conspicuously MIA as Carter made
history. Reporters wondered why. General Dunford and I have discussed this many, many times, Carter responded.
And he will be a full part of implementation. [Source: TIME | Mark Thompson | December 3, 2015 ++]
*********************************

B-52s Still Dominate

After 60 Years

Glance down from the ageless expanse of blue sky into the cockpit of the Air forces largest bomber, and the
panorama is decidedly more dated banks of steam gauges quiver above aluminum levers built during the
Eisenhower administration, obsolete knobs and dials unused in decades gather dust. And much of the rest of the
mammoth B-52 bomber is just as antiquated. Vacuum tubes have been replaced with microchips, and the oncestandard ashtrays are gone. But eight engines along the wings still connect to the cockpit by yards of cables and
pulleys, and the navigator often charts a course with a slide rule.
Its like stepping back in time, said Capt. Lance Adsit, 28, the pilot. He banked left to start a mock bombing
run, wrestling a control yoke forged decades before he was born. Time had stripped it entirely of paint. I love the
B-52, Captain Adsit said. But the fact that this is still flying is really insane. A few minutes later, his onboard
navigation computers crashed. The first B-52 bomber was built more than 60 years ago, but in the absence of a
reliable replacement, the jets are still used by Air Force pilots today. The B-52 is an Air Force plane that refuses to
die. To read more on this remarkable plane and its pending future refer to the attachment to this Bulletin titled, B52s Still Dominate U.S. Fleet. [Source: NavyTimes | David Larter | November 16, 2015 ++]
*********************************

NATO Medal

Operation Resolute Support Participants

The NATO Medal is an international military decoration which is awarded to various militaries of the world under
the authority of the North Atlantic Treaty Organization (NATO). It is manufactured by Eekelers-Centini Intl, of
Hemiksem, Belgium. There are currently thirteen versions of the NATO Medal in existence, for service in
Yugoslavia, Kosovo, the Republic of Macedonia, two for service during Article 5 operations (Eagle Assist, Active
Endeavour), and seven for Non-Article 5 NATO operations (ISAF, Balkans, NTM-Iraq, Africa, AMIS, OUP-Libya,
and Pakistan). In addition, there are corresponding clasps for operations such as ISAF, Kosovo, Yugoslavia, NTMIraq and clasps designating Article 5, and Non-Article 5 designations. There is also a NATO Meritorious Service
Medal, with a "Meritorious Service" clasp as well.
58

The NATO Medal has been approved for acceptance and wear by soldiers and other U.S. military members who
have participated in Operation Resolute Support, the North Atlantic Treaty Organization mission in Afghanistan that
began 1 JAN 2015. To qualify for the decoration, which is officially designated the "NATO non-Article 5 Medal,"
soldiers must have been awarded the medal by NATO headquarters, or a NATO theater commander who has been
delegated award authority by the Supreme Allied Commander, Europe.

As provided by a NATO representative, the medal may include a ribbon clasp denoting the specific operation for
which the award was made. Soldiers are authorized to accept and retain the ribbon clasp, but they are not allowed to
wear the device. Soldiers are only allowed to wear the basic medal and service ribbon. A bronze service star should
be affixed to the NATO Medal suspension ribbon and service ribbon to recognize participation in subsequent
Defense Department approved NATO operations. In accordance with the Army's military awards regulation, AR
600-8-22, the NATO Medal should be worn immediately after the United Nations Medal, and before the
Multinational Force and Observers Medal.

The Defense Department has authorized U.S. military members and civilians to accept and wear the NATO
Medal for participation in the following international missions:
Operations in the former Yugoslavia, Nov. 14, 1995 Oct.12, 1998.
Operations related to Kosovo, Oct. 13, 1998 Dec. 2, 2002.
Operation Eagle Assist (airspace of North America), Oct. 12, 2001 May 16, 2002.
Operation Active Endeavor (Mediterranean Sea), Oct. 26, 2001 TBD.
International Security Assistance Force-Afghanistan, June 1, 2003 - Dec. 31, 2014.
Operations in the Balkans, Jan. 1, 2003 TBD.
NATO Training Implementation Mission-Iraq, Aug. 18, 2004 Dec. 31, 2011.
NATO Training Mission-Iraq, Aug. 18, 2004 Dec. 31, 2011
Operations Allied Provider, Allied Protector and Ocean Shield, Jan. 2008 TBD.
Operation Resolute Support-Afghanistan, Jan. 1, 2015 TBD.
[Source: ArmyTimes | Jim Tice | December 7, 2015 ++]
*********************************

China Island Building Update 01

Airstrips Might Soon Quadruple

59

China's campaign of island building in the South China Sea might soon quadruple the number of airstrips available
to the People's Liberation Army in the highly contested and strategically vital region. That could be bad news for
other regional contenders, especially the U.S., the Philippines and Vietnam. The island construction work that is
creating vast amounts of new acreage by piling sand on top of coral reefs is now moving into the construction stage,
with buildings, harbors and, most importantly, runways appearing in recent months. China now operates one airfield
at Woody Island in the Paracel island chain, and satellite photos show what appears to be work on two, possibly
three, additional airstrips on newly built islands in the Spratly archipelago to the east.
The bases could have a "significant impact on the local balance of power" by helping bolster the forward
presence of Chinese coast guard and navy forces, said Euan Graham, director of the International Security Program
at the Lowy Institute in Sydney, Australia. As with most South China Sea developments, China has remained opaque
about its plans for the island airstrips. At a recent monthly briefing, Defense Ministry spokesman Wu Qian declined
to say how many China planned to build or what their purpose would be, repeating only that all military
infrastructure was "purely for defensive purposes." Beijing claims almost all of the South China Sea and its islands
and has created seven new features in the Spratlys since last year that are permanently above water totaling more
than 800 hectares (2,000 acres) in area, according to satellite photos collected by U.S. government agencies and
private groups including the Washington-based Center for Strategic and International Studies.
While China insists its island building works are justified and don't constitute a threat to stability, further
militarization of the region seems assured given China's increasingly robust assertions of its territorial claims. Those
perceptions were reinforced with the deployment in October of advanced J-11BH/BHS fighters of thenavy air force
to Woody Island that was revealed online in China in October. China's military has declined to comment on the
reports. The island's 2.4-kilometer (1.49-mile) long runway will soon be eclipsed by one more than 3 kilometers
(10,000 feet) long on the reclaimed island built atop Fiery Cross Reef in the Spratlys, the satellite photos show.
Another runway is being built on Subi Reef, with signs of similar work underway on nearby Mischief Reef.
Patrols by fighter jets based on the islands, most likely temporarily given the salty climate and frequent storms,
could serve to intimidate other claimants, especially the Philippines and Vietnam. That could also complicate regular
operations by U.S. forces which insist on freedom of navigation and overflight over the entire sea. "In periods of
tension, the intimidation value of air patrols from the islands would be considerable," Graham said. The airfields
would allow Chinese aircraft to refuel, repair and if necessary, rearm without having to fly the more than 1,000
kilometers (620 miles) to the nearest Chinese air base on Hainan island, said Hans Kristensen, a China security
expert with the Federation of American Scientists. They would also be highly vulnerable to bombing in an actual
conflict, although their presence alone would require additional planning and effort by opponents.
Short of that, the issue grows murkier and more troublesome, especially if China were to announce a zone ofair
control over all or part of the South China Sea. In that case, the airstrips could be launching points for patrols,
enforcement operations and possibly strikes. China announced an initial air defense identification zone over much of
the East China Sea in late 2013, a designation the U.S., Japan and others refused to recognize. In early December,
China conducted what its air force spokesman Shen Jinke described as the latest "routine patrol" through the zone,
featuring aircraft including H-6K long-range bombers, fighter jets and early warning aircraft. Questioned on plans
for a South China Sea zone, Defense Ministry spokesman Wu Qian said that would depend on threats to China's
interests and security. "Therefore we will take into consideration a number of factors in making the decision," Wu
said.

60

The BRP Sierra Madre, a 100-meter (328 foot) amphibious vessel built for the U.S. in 1944 and acquired by the Filipino
navy in 1976, seen here on May 23, 2013, was deliberately grounded at Second Thomas Shoal in the Spratly Islands to
serve as a base.

Other countries also operate airstrips on their South China Sea holdings, but their size and level of sophistication
are dwarfed by China's new developments. Vietnam's strip on Spratly island is just 550 meters (1.8 feet), just long
enough to accommodate slow-moving cargo and surveillance planes. Those operated by the Philippines on Thitu
Island, also known as Pagasa, and Taiwan on Itu Aba, or Taiping Island, and Malaysia on Swallow Reef, are about
twice as long, allowing them to land fighters as well. Yet, only Fiery Cross Reef is long enough to accommodate
bombers like the H-6K, whose air launched cruise missiles increase its destructive power.
Lying astride busy sea lanes, rich fisheries and a potential wealth of mineral deposits, the Chinese airfields would
also boost China's position over strategic resources it craves to fuel economic growth. The new airstrips will also
come in handy as China develops its aircraft carrier program, particularly for training pilots in simulated night
landings or to recover planes in difficult conditions. However, their usefulness is constrained by the need for large
amounts of jet fuel on hand, along with the need to reinforce strips built on sand to handle bombers and other heavy
aircraft. "If we start to see satellite evidence of fuel storage going in on a large scale in the artificial islands, that will
be the clearest indicator that China is planning to develop them as active air bases," Graham said. [Source: The
Associated Press | Christopher Bodeen | December 6, 2015 |++]
*********************************

Military Enlistment Standards 2015 Update 08

Drug/Alcohol Involvement

The United States Military does not condone the illegal or improper use of drugs or alcohol. It is DOD's stated
contention that illegal drug use and abuse of alcohol is:
1. Is against the law.
2. Violates the high standards of behavior and performance expected of a member of the United States Armed
Forces.
3. Is damaging to physical, mental, and psychological health.
4. Jeopardizes the safety of the individual and others.
5. Is fundamentally wrong, destructive to organizational effectiveness, and totally incompatible with service
as a member of the U.S. Military.
6. Is likely to result in criminal prosecution and discharge under other than honorable conditions.
All applicants are carefully screened concerning drug and alcohol involvement. As a minimum, you can expect
the recruiter to ask:
a) "Have you ever used drugs?"
b) "Have you been charged with or convicted of a drug or drug related offense?"
c) "Have you ever been psychologically or physically dependent upon any drug or alcohol?"
d) "Have you ever trafficked, sold, or traded in illegal drugs for profit?"

61

If the answer to the last two questions is "yes," then you can expect to be ineligible for enlistment. If the answer
to the first two questions is yes, then you can expect to have to complete a drug abuse screening form, detailing the
specific circumstances of your drug usage. The military service will then make a determination as to whether or not
your previous drug usage is a bar to service in that particular branch of the military. In most cases, a person who
experimented with "non-hard" drugs in the past will be allowed to enlist. Anything more than experimentation may
very well be a bar to enlistment. An "experimenter" is defined as:
.."one who has illegally, wrongfully, or improperly used any narcotic substance, marijuana, or dangerous drug, for
reasons of curiosity, peer pressure, or other similar reason. The exact number of times drugs were used, is not
necessarily as important as determining the category of use and the impact of the drug use on the user's lifestyle, the
intent of the user, the circumstances of use, and the psychological makeup of the user. An individual whose drug
experimentation/use has resulted in some form of medical, psychiatric, or psychological treatment; a conviction or
adverse juvenile adjudication; or loss of employment does not fall within the limits of this category. For
administrative purposes, determination of the category should be within the judgment of either the district or
recruiting station commanding officer, aided by medical, legal, and moral advice, with information as available
from investigative sources."
While not a "hard and fast" rule, one can expect that any admitted use of marijuana over 15 or so times, or any
admitted use of "hard drugs," will be disqualifying, and require a waiver. In any case:
1) Dependency on illegal drugs is disqualifying.
2) Any history of drug use is potentially disqualifying.
3) Any history of dependency on alcohol is disqualifying.
Even if enlistment is authorized, many sensitive military jobs will be closed to individuals who have any past
association with illegal drug or alcohol use. In the Air force anyone who admits to smoking marijuana less than 15
times does not require a waiver. More than 15 times, but less than 25 requires a Drug Eligibility Determination
(basically, a trained Drug & Alcohol Specialist will examine the exact circumstances of the use). An approved Drug
Eligibility Determination is not the same thing as a "waiver," in that it will not preclude enlistment in most Air Force
Jobs. 25 or more uses of Marijuana in a lifetime is disqualifying, and requires a waiver. As a minimum, recruits will
undergo a urinalysis test, when at the Military Entrance Processing Station, (MEPs) for their initial processing, and
again when reporting for basic training. [Source: About.com Newsletter | Rod Powers | June 02, 2015 ++]
*********************************

Medal of Honor Citations

Harvey, Carmel Bernon Jr | VN

The President of the United States in the name of The Congress

takes pleasure in presenting the
Medal of Honor posthumously
To

CARMEL BERNON HARVEY, JR.

Rank and organization: Specialist Fourth Class, U.S. Army, Company B, 1st Battalion, 5th Cavalry, 1st Cavalry
Division (Airmobile)
Place and date: Binh Dinh Province, Republic of Vietnam, 21 June 1967
Entered service at: Chicago Illinois in 1965
62

Born: 6 October 1946, Montgomery, W. Va.

Citation
For conspicuous gallantry and intrepidity in action at the risk of his life above and beyond the call of duty. Sp4c.
Harvey distinguished himself as a fire team leader with Company B, during combat operations. Ordered to secure a
downed helicopter, his platoon established a defensive perimeter around the aircraft, but shortly thereafter a large
enemy force attacked the position from 3 sides. Sp4c. Harvey and 2 members of his squad were in a position directly
in the path of the enemy onslaught, and their location received the brunt of the fire from an enemy machine gun. In
short order, both of his companions were wounded, but Sp4c. Harvey covered this loss by increasing his deliberate
rifle fire at the foe. The enemy machine gun seemed to concentrate on him and the bullets struck the ground all
around his position. One round hit and armed a grenade attached to his belt. Quickly, he tried to remove the grenade
but was unsuccessful. Realizing the danger to his comrades if he remained and despite the hail of enemy fire, he
jumped to his feet, shouted a challenge at the enemy, and raced toward the deadly machine gun. He nearly reached
the enemy position when the grenade on his belt exploded, mortally wounding Sp4c. Harvey, and stunning the
enemy machine gun crew. His final act caused a pause in the enemy fire, and the wounded men were moved from
the danger area. Sp4c. Harvey's dedication to duty, high sense of responsibility, and heroic actions inspired the
others in his platoon to decisively beat back the enemy attack. His acts are in keeping with the highest traditions of
the military service and reflect great credit upon himself and the U.S. Army.

Carmel is buried at Cedar Park Cemetery, Calumet Park, IL.

[Source: http://www.mishalov.com/Harvey.html and www.history.army.mil/html/moh/vietnam-a-l.html#HARVEY
Dec 2015 ++]

* Military History *

Aviation Art 98

The Famous Four Minutes

63

The Famous Four Minutes

by R.G. Smith
[Source: http://www.aviationarthangar.com/fafomibyrsms.html Dec 2015 ++]
*********************************

Remember the 80s Navy Update 02

Things that No Longer Exist

Having a discussion with the chief in the fan room - A little attitude adjustment never hurt anybody.
The next day you were best buds, and you never told a soul where you got that black eye.

Getting paid in cash - Nothing better than armed guards standing by for payday on the mess decks and
having a pocket full of $20s every 2 weeks.

Our only enemy was the Reds - Ivans and Oscars and Bears, Oh My!

Communicating with flags - Just what are those guys waving around semaphore flags saying to each
other?

Navigating before GPS - Quartermaster get a sextant and tell me where we are!

[Source: BY Military.Com | Jim Absher | August 19, 2015 ++]

*********************************

Pearl Harbor Day Relics Update 01

Repatriated Wooden Talismans

64

A Pearl Harbor survivor, Jack Armstrong often told his son about his experiences on Dec. 7, 1941. But he never
talked about what happened just days later. Recently, rummaging through boxes of family heirlooms in his Pacific
Beach condo, Jim Armstrong found seven wooden talismans. Each was inscribed with Japanese ideograms. There
was also a note from Jims mother, explaining that his father had taken these from a dead Zero pilot. The younger
Armstrong wondered what had happened. Then he wondered about the dead fliers family. I should try to return
this, he thought.

Jim Armstrong of Pacific Beach California holds seven items his father took from a dead Japanese pilot in Hawaii. They
are believed to be prayer sticks and a military identification tag.

Across the country, hundreds of World War II veterans and their families have reached the same conclusion.
About once a month, the Japanese consulate in Los Angeles hears from someone eager to repatriate items seized in
the heat of battle: uniforms, weapons, flags, even skulls. After all these years today is the attack on Pearl
Harbors 74th anniversary why bother? The point is the feelings, said Rex Ziak, co-founder of an Oregon
nonprofit dedicated to this endeavor, the desire for reconciliation. That typically is the motive behind the
Americans desire to return such battlefield souvenirs. For Jim Armstrong, 62, a self-described patriot who flies a
Betsy Ross banner and a Navy pennant from his condos flagpole, the motivation was simple. If this had belonged
to my grandfather or father, he said, Id want someone to return it to me.
After 75 full years, Jims father, Jack Armstrong, died of Lou Gehrigs disease in 1985. Born in Canada and
raised in Minnesota, he impressed family and friends with his good nature and upstanding character. In 1933,
General Mills hired one of his fraternity brothers to devise a radio program promoting American values and
Wheaties. The show was named Jack Armstrong, the All-American Boy. That was my father, Jim Armstrong
said. He was the real Jack Armstrong. This characters radio adventures, a staple of the airwaves until until 1951,
were fictitious. The real Jack Armstrong, though, had his share of dramatic episodes. An officer in the U.S. Army Air
Corps, he served with distinction in World War IIs Pacific theater. In the peacetime Air Force, he advocated nuclearpowered aircraft and helped launch an atomic satellite. More passionate than political, the outspoken colonel was
forced to retire, only to assume a prominent role in NASAs Apollo program. He designed the rockets that allowed
the lunar module to land on and later take off from the moon. Plaques in Jim Armstrongs condo testify to his
fathers role in this notable chapter in American history.
Jack Armstrong also witnessed a tragic historic event: Pearl Harbor. On Sunday, Dec. 7, 1941, he woke to
thunderous explosions. The lieutenant ran from his Pearl Harbor apartment and leapt into his car. Speeding toward
Hickam Fields headquarters, he was cut off by a speedier car. Within seconds, that faster car erupted in flames, hit
by a Japanese bomb. I was saved by a lunatic driver, Armstrong said. He told this tale to his son in later years,
along with other anecdotes from the day. But he didnt mention the intelligence mission he undertook days later, a
mission that plunged him into the Niihau Incident. One of the Zeros that had attacked Pearl, badly shot up, crashed
on a remote part of the Hawaiian chain, Niihau Island. At first, the pilot was welcomed by Niihaus residents, who
were unaware that hostilities had commenced. Soon, though, the news reached the remote outpost. Islanders
65

confronted the pilot who assisted by a resident of Japanese descent then took hostages. The crisis ended when
two captives turned on the pilot. In the melee, one hostage was wounded and the pilot was killed.
Armstrong was dispatched to Niihau to inspect the downed Zero for intelligence and scour the island for
unexploded ordnance. The records are unclear, but it appears he accomplished his mission and returned with
seven wooden souvenirs. Packed away, they sat undisturbed for decades. In November, Jim Armstrong phoned the
Japanese consulate in Los Angeles, telling an official he had relics he wished to repatriate. He filled out a four-page
Request Form for Investigation of Japanese WWII Artifacts. Then he settled in for a long wait. The investigation
may take a year or more to complete, wrote Aya Kato, his contact at the consulate. I will try to keep you updated
as we receive word from Japan but please bear with us. Time has healed many old wounds, turning enemies like the
U.S. and Japan into allies, yet the years have made repatriation attempts more difficult. Veterans die; memories fade;
records vanish; families move.
Just ask Steve Lopardo. The Fallbrook lawyer spent more than a decade seeking descendants of a Japanese
soldier his father had captured on Iwo Jima. The prisoner gave Fiorenzo Lopardo two family photos. In 1990, the
old Marine asked his son to return the snapshots to the former captives descendants. The younger Lopardos quest
took him to the Japanese embassy and consulates; the U.S. National Archives; and to Japan, where a 60 Minuteslike show televised his story. In 2009, he traveled to Yokohama, delivering the framed photos to the Japanese
soldiers son, niece and three granddaughters. They started crying, I started crying, he said. Everybody in the
room starts crying. It was very, very emotional and good and wonderful. Thats a common reaction, Rex Ziak said,
when wartime souvenirs are repatriated. This summer his nonprofit, Obon 15, escorted 70 Rising Sun flags to Japan.
Each flag had been autographed by a soldiers loved ones. Each had been taken by an Allied combatant, and later
surrendered by the veteran or his family.
The Japanese were overjoyed, as Ziak had expected. What we did not know was the power this had, the effect
this had, on the American people, he said. They relief they have is so overwhelming, we just couldnt believe it.
Americans, noted a Japanese Consulate official, say they want to do the right thing and return the item to where it
belongs. This gesture of good will is not possible without the close ties that Japan and U.S, have cultivated since the
end of the war. For many families it provides a sense of closure on a difficult past.
Jim Armstrong said his father remembered the horrors of Pearl Harbor, but was not haunted by the past. After the
war, he befriended Japanese colleagues; one annually sent Christmas gifts to the Armstrongs. Jim Armstrong himself
works for an international hotel design firm with an office in Tokyo. When he contacted the Japanese consulate,
seeking help in returning relics from the painful past, he hoped hed be warmly received. He was. They were
absolutely thrilled to death. They told me, We appreciate this very much. [Source: The San Diego UnionTribune | Peter Rowe | December 6, 2015 ++]
*********************************

Military Trivia 116

Vet Stats off the Vietnam Memorial Wall

There are 58,267 names now listed on that polished black wall, including those added in 2010. The names are
arranged in the order in which they were taken from us by date and within each date the names are alphabetized. It
has been 59 years since the first casualty. Beginning at the apex on panel 1E and going out to the end of the East
wall, appearing to recede into the earth (numbered 70E - May 25, 1968), then resuming at the end of the West wall,
as the wall emerges from the earth (numbered 70W - continuing May 25, 1968) and ending with a date in 1975.
Thus the war's beginning and end meet. The war is complete, coming full circle, yet broken by the earth that bounds
the angle's open side and contained within the earth itself.

66

The first known casualty was Richard B. Fitzgibbon, of North Weymouth, Mass. Listed by the U.S.
Department of Defense as having been killed on June 8, 1956. His name is listed on the Wall with that of
his son, Marine Corps Lance Cpl. Richard B. Fitzgibbon III, who was killed on Sept. 7, 1965.
There are three sets of fathers and sons on the Wall.
39,996 on the Wall were just 22 or younger.
8,283 were just 19 years old.
The largest age group, 33,103 were 18 years old.
12 soldiers on the Wall were 17 years old.
5 soldiers on the Wall were 16 years old.
One soldier, PFC Dan Bullock was 15 years old.
997 soldiers were killed on their first day in Vietnam.
1,448 soldiers were killed on their last day in Vietnam.
31 sets of brothers are on the Wall.
Thirty one sets of parents lost two of their sons.
54 soldiers attended Thomas Edison High School in Philadelphia.
8 Women are on the Wall, Nursing the wounded.
244 soldiers were awarded the Medal of Honor during the Vietnam War; 153 of them are on the Wall.
Beallsville, Ohio with a population of 475 lost 6 of her sons.
West Virginia had the highest casualty rate per capita in the nation. There are 711 West Virginians on the
Wall.
The Marines of Morenci - They led some of the scrappiest high school football and basketball teams that
the little Arizona copper town of Morenci (pop. 5,058) had ever known and cheered. They enjoyed roaring
beer busts. In quieter moments, they rode horses along the Coronado Trail, stalked deer in the Apache
National Forest. And in the patriotic camaraderie typical of Morenci's mining families, the nine graduates
of Morenci High enlisted as a group in the Marine Corps. Their service began on Independence Day,1966.
Only 3 returned home.
The Buddies of Midvale - LeRoy Tafoya, Jimmy Martinez, Tom Gonzales were all boyhood friends and
lived on three consecutive streets in Midvale, Utah on Fifth, Sixth and Seventh avenues. They lived only a
few yards apart. They played ball at the adjacent sand lot ball field. And they all went to Vietnam. In a span
of 16 dark days in late 1967, all three would be killed. LeRoy was killed on Wednesday, Nov. 22, the fourth
anniversary of John F. Kennedy's assassination. Jimmy died less than 24 hours later on Thanksgiving Day.
Tom was shot dead assaulting the enemy on Dec. 7, Pearl Harbor Remembrance Day.
The most casualty deaths for a single day was on January 31, 1968 ~ 245 deaths.
The most casualty deaths for a single month was May 1968 - 2,415 casualties were incurred.

[Source: http://www.vetshome.com/vietnam_veterans_statistics.html May 2015 ++]

********************************

MOH Nominee

Master Sgt. Roddie Edmonds | WWII

67

The Nazi soldiers made their orders very clear: Jewish American prisoners of war were to be separated from their
fellow brothers in arms and sent to an uncertain fate. But Master Sgt. Roddie Edmonds would have none of that. As
the highest-ranking noncommissioned officer held in the German POW camp, he ordered more than 1,000
Americans captives to step forward with him and brazenly pronounced: "We are all Jews here." He would not waver,
even with a pistol to his head, and his captors eventually backed down. Seventy years later, the Knoxville,
Tennessee, native is being posthumously recognized with Israel's highest honor for non-Jews who risked their lives
to save Jews during World War II. He's the first American serviceman to earn the honor. "Master Sgt. Roddie
Edmonds seemed like an ordinary American soldier, but he had an extraordinary sense of responsibility and
dedication to his fellow human beings," said Avner Shalev, chairman of the Yad Vashem Holocaust museum and
memorial. "The choices and actions of Master Sgt. Edmonds set an example for his fellow American soldiers as they
stood united against the barbaric evil of the Nazis."

Army Master Sgt. Roddie Edmonds

It's a story that remained untold for decades and one that his son, the Rev. Chris Edmonds, only discovered long
after his father's death in 1985. Edmonds was captured with thousands of others in the Battle of the Bulge in late
1944 and spent 100 days in captivity. His son vaguely knew about his father's past from a pair of diaries Edmonds
kept in captivity that included the names and addresses of his men and some of his daily thoughts. But it was only
while scouring the Internet a few years ago that he began to unravel the true drama that had unfolded oddly
enough, when he read a newspaper article about Richard Nixon's post-presidency search for a New York home. As it
happened, Nixon purchased his exclusive upper East Side town house from Lester Tanner, a prominent New York
lawyer who mentioned in passing how Edmonds had saved him and dozens of other Jews during the war. That
sparked a search for Tanner, who along with another Jewish POW, Paul Stern, told the younger Edmonds what they
witnessed on Jan. 27, 1945, at the Stalag IXA POW camp near Ziegenhain, Germany.
The Wehrmacht had a strict anti-Jew policy and segregated Jewish POWs from non-Jews. On the eastern front,
captured Jewish soldiers in the Russian army had been sent to extermination camps. At the time of Edmonds'
capture, the most infamous Nazi death camps were no longer fully operational, so Jewish American POWs were
instead sent to slave labor camps where their chances of survival were low. U.S. soldiers had been warned that
Jewish fighters among them would be in danger if captured and were told to destroy dog tags or any other evidence
identifying them as Jewish. So when the German camp commander, speaking in English, ordered the Jews to
identify themselves, Edmonds knew what was at stake. Turning to the rest of the POWs, he said: "We are not doing
that, we are all falling out," recalled Chris Edmonds, who is currently in Israel participating in a seminar for
Christian leaders at Yad Vashem's International School for Holocaust Studies.
With all the camp's inmates defiantly standing in front of their barracks, the German commander turned to
Edmonds and said: "They cannot all be Jews." To which Edmonds replied: "We are all Jews here." Then the Nazi
officer pressed his pistol to Edmonds head and offered him one last chance. Edmonds merely gave him his name,
rank and serial number as required by the Geneva Conventions. "And then my dad said: 'If you are going to shoot,
you are going to have to shoot all of us because we know who you are and you'll be tried for war crimes when we
win this war,'" recalled Chris Edmonds, who estimates his father's actions saved the lives of more than 200 Jewish68

American soldiers. Witnesses to the exchange said the German officer then withdrew. Stern, who currently lives in
Reston, Virginia, told Yad Vashem that even 70 years later he can "still hear the words."
About 6 million European Jews were killed by German Nazis and their collaborators during World War II. The
names of those honored for risking their lives to protect Jews are engraved along an avenue of trees at the Jerusalem
memorial. More than 26,000 have been designated "Righteous Among the Nations," the most famous being Oskar
Schindler, whose efforts to save more than 1,000 Jews were documented in Steven Spielberg's 1993 film
"Schindler's List," and Raoul Wallenberg, a Swedish diplomat who is credited for having saved at least 20,000 Jews
before mysteriously disappearing. But prior to Edmonds, only four were Americans, who belonged to the clergy or
volunteered for rescue groups. He's the first serviceman and the first whose actions saved the lives of fellow
Americans. A ceremony for Edmonds is planned next year. And, thanks to his son's efforts, Edmonds is now also
being considered for a Congressional Medal of Honor.
Irena Steinfeldt, the director of the Holocaust memorial's Righteous Among the Nations department, said all
rescue stories were unique. She said Edmonds actions were reflective of those of a military man, who was prepared
to make a quick, clear, moral decision."It's a matter of five minutes and that is it. When he tells the German, 'No,'
that is something that can kill him," she explained. "It is something very dangerous that is happening in one
moment. ... But it is very heroic." Chris Edmonds, who leads a Baptist congregation in Maryville, Tennessee, said he
believed his father had a "deep moral conviction" instilled in his faith that inspired his actions. "All he had to fight
with was his will power and his wits," he said. "I'm just glad he did the right thing." [Source: The Associated Press |
Aron Heller |December 2, 2015 ++]
********************************

Military History

Battle of Palmito Ranch

It's common knowledge that the four bloody, thunderous years of the American Civil War came to a solemn end
when Southern Gen. Robert E. Lee surrendered to Union Gen. Ulysses S. Grant at Appomattox but it's not true.
The final land battle of the war wasn't fought until more than a month later, 150 years ago Tuesday and Wednesday,
on a barren, wind-swept coastal plain at the southern tip of Texas. And the Confederates won. How the battle of
Palmito Ranch came about involves a tale of one officer's ego and another's stubborn refusal to yield. It was fought
on land where little has changed in more than a century, marked by patches of prickly pear cactus, void of the
namesake palm trees and buffeted periodically over the decades by storm surges and hurricanes from the nearby
Gulf of Mexico. To read a more detailed account of this engagement refer to the attachment to this bulletin titled,
Battle of Palmito Ranch. [Source: www.americancivilwarstory.com/about-me.html | Mark Weaver | May 2015
++]
*********************************

WWII Advertising

National Dairy Products

69

*********************************

D-Day

A Fallen Comrade Remembered

70

WWII and D-Day veteran Raymond Moon kneels before the grave of a fallen comrade at the American cemetery at
Omaha Beach in Normandy June 4, 2004. Moon served in the 29th Division and returned to France for the 60th
anniversary of D-Day.

*********************************

WWII Prewar Events

Communist Execution 1919

German soldiers of war execute a communist in Munich, 1919.

*********************************

71

*********************************

WWII PostWar Events

1946 Dr. Klaus Karl Schilling Hanging

U.S. military authorities prepare to hang Dr. Klaus Karl Schilling, 74, at Landsberg, Germany, on May 28, 1946. In a
Dachau war crimes trial he was convicted of using 1,200 concentration camp prisoners for malaria experimentation.
Thirty died directly from the inoculations and 300 to 400 died later from complications of the disease. His experiments, all
with unwilling subjects, began in 1942.

*********************************

Spanish American War Images 79

Montauk, Long Island, in 1898

With the end of the war, Colonel Theodore Roosevelt musters out of the U.S. Army after the required 30-day quarantine
period at Montauk, Long Island, in 1898.

*********************************

WWI in Photos 105

Capture of Archduke Ferdinand Assassin

72

A Bosnian Serb nationalist (possibly Gavrilo Princip, more likely bystander Ferdinand Behr), is captured by police and
taken to the police station in Sarajevo, on June 28, 1914, following the assassination of Archduke Franz Ferdinand, heir to
the Austrian-Hungarian throne, and his wife.

*********************************

Faces of WAR (WWII)

Washington DC Parade (7) May 1942

*********************************

Ghosts of Time

Then & Now Photos of WWII SITES (06)

73

Military History Anniversaries

16 thru 31 Dec

Significant events in U.S. Military History over the next 15 days are listed in the attachment to this Bulletin titled,
Military History Anniversaries 01 thru 15 Dec.
*********************************

* Health Care *

TRICARE Autism Care Update 14

Therapy Reimbursement Rates

Tricare is changing its autism therapy reimbursement rates to better align them with commercial insurance rates and
Medicaid, Defense Department officials said 1 DEC. The move will increase reimbursements for some therapists
while trimming rates for others, but DoD officials said the changes should not affect the nearly 10,000 Tricare
beneficiaries who receive Applied Behavior Analysis therapy for autism symptoms. Tricare consolidated its various
ABA therapy benefit programs in 2014 to ensure that active-duty and retiree dependents with autism had access to
treatment. But the new Autism Care Demonstration Project also proposed slashing reimbursement rates to some
providers by nearly half, prompting some to say they would no longer accept Tricare. DoD postponed
implementation of the severe cuts, contracting instead with the Rand Corp. and a health policy research firm to help
determine whether the level of coverage for ABA in the military health system was appropriate.

74

An Applied Behavior Analysis therapist reviews animals and colors with a boy who has autism and whose father is an
airman at Joint Base Charleston, S.C., in a file photo(Photo: Air Force)

The new reimbursement rates 20 percent higher than Medicaid's rates for ABA are a result of those reviews.
Our benefit is extremely rich ... when I've been in meetings on ABA with commercial providers, Tricare was held
out as having the most comprehensive benefit and the most generous benefit," said Tricare Health Plan Director
Mary Kaye Justis. DoD now pays doctorate- and master's-level therapists $125 an hour, bachelors degree-level
providers $75 an hour, and technicians $50 an hour. The new basic national hourly rates will change to $114.23 for
doctorate-level therapists, $107.14 for master's therapists, $67.39 for therapists with bachelors degrees, and $40.12
for technicians. These rates also will be adjusted by geographic location. As a result of the reviews, Tricare turned
out to be the highest payer in many markets, "significantly above both Medicaid and as well as commercial rates,
Justis said. At that point, we started saying, 'What is the best way to adjust our rates so we are more consistent with
the market and can continue to assure access?'
To ease the impact of reductions on therapists budgets, Tricare will reduce locality rates by no more than 15
percent per year until the calculated locality rate is reached, officials said. ABA therapy is one-on-one instruction for
autism patients that focuses on promoting appropriate behavior, social skills, communication and emotional
expression. Costs per patient can run $30,000 to $60,000 a year. Tricare officials said DoD needed to tweak its
reimbursement rates because they have been largely unchanged since they were first instituted in 2008, and little
cost data was available. The new rates are designed to ensure beneficiaries can access treatment while ensuring the
government is not overpaying, Justis said. She added that despite the rate trims for some, Tricare's ABA budget,
which has totaled $80 million in 2014, is likely to increase. The population for folks receiving ABA services
continues to grow. We haven't done cost estimates on what the rate change impact would be because we continue to
see growth," she said. [Source: MilitaryTimes | Patricia Kime | December 1, 2015 ++]
*********************************

Phantom Pain

Relief Through Mirror Therapy

Its a problem that in one way isnt really there, but to those it hits, its very real. Phantom limb pain is a condition
that affects those with amputations. Military medical researchers are working to better understand the phenomenon,
and they have found an effective treatment. The majority of individuals with acquired limb loss (as opposed to
those born with missing limbs) experience sensations from their missing hand or foot, and often these sensations are
painful, said Dr. Paul Pasquina, chair of Physical Medicine and Rehabilitation at the Uniformed Services
University of the Health Sciences (USU) in Bethesda, Maryland. Pasquina said phantom limb pain is not fully
understood, but it probably has to do with the brains plasticity the ability for other parts of the brain to take over
functions or grow into areas where a function has been removed, such as the feeling sensation for an amputated
hand. In turn, the new areas adopt what was previously processed by the section of the brain that used to handle that
function. Thus, while the limb is not there, the brain continues to sense that it is, and the result can be quite troubling
to the patient.

75

A patient at Walter Reed receives mirror therapy under the supervision of a physician.

A new type of therapy is helping alleviate phantom pain. Dr. Jack Tsao is a professor of neurology and physical
medicine and rehabilitation at USU and is a professor of neurology at the University of Tennessee Health Science
Center. He has been conducting clinical studies using mirror therapy, originally discovered by researchers at the
University of California, San Diego. The treatment puts a mirror in between the intact limb and where the missing
one would be. Tsao said basically, it allows the brain to see the missing limb, intact and undamaged, and by
moving both intact and phantom limbs, leads to pain relief. The reason we think this works is because movements
are driven mainly by vision, he said. Were giving the person a visual target, and somehow mirror therapy is rewiring the brain to eliminate the phantom pain.
Tsao said with the surge in amputations during the wars in Iraq and Afghanistan, there were more patients with
phantom pain. Working with Pasquina, the two doctors conducted a controlled clinical study. The results were pretty
astonishing. Most service members using mirror therapy improved over a four-week period, said Tsao. We ended
up with a 93 percent success rate. Tsao said once a patient is cured of the phantom pain, its pretty much permanent
and doesnt typically require more mirror therapy. In addition, the therapy is inexpensive and patients can self-treat
in the privacy of their own homes. That opens more possibilities for the civilian world, particularly in developing
countries where health care might be limited. While Tsao admitted mirror therapy doesnt work for everyone, the
results are very encouraging. For me, as a physician, its gratifying to see people getting better. Tsao and
Pasquina are also quick to point out mirror therapy is just part of a larger continuum of care for those with
amputations. There are still huge challenges many of our injured service members and their families face, said
Pasquina. The Department of Defense is making a great deal of investments into advancing trauma care, medical
care, and even rehabilitative and prosthetics care. If we dont have solutions today, hopefully well have solutions
tomorrow. [Source: Health.mil/News | December 1, 2015 ++]
*********************************

Tricare Pharmacy Copay Update 15

New Maintenance Drug Rule

This December, TRICARE beneficiaries can take action to avoid paying more for some prescription drugs mandated
by the new rules. If you fill a prescription for a select brand name maintenance drug (refer to
http://www.health.mil/selectdruglist) at a retail pharmacy, you may need to move your prescription to either a
military pharmacy or TRICARE Pharmacy Home Delivery. If not, you may have to pay full cost of your
prescription. Beneficiaries can move their prescriptions by contacting the TRICARE pharmacy contactor, Express
Scripts (ESI) at 1-877-363-1303 or by using ESIs secure online portal (https://www.expressscripts.com/TRICARE/index.shtml). This does not apply to you if you are an active duty service member, live
overseas, or if you have other prescription drug coverage, and can continue using retail pharmacies with no changes
to your current copays.
76

The new rule began October 1, 2015, but allows you to get two 30-day refills of an affected drug from a retail
pharmacy. For many, those two refills will run out in December and their next prescription refill needs to be through
Home Delivery or at a military pharmacy. If youre taking an affected drug, you should have received several
notifications from ESI. You can also check by calling ESI at 1-877-363-1303. TRICARE Pharmacy Home Delivery
is a safe, convenient and low cost option to get maintenance drugs. Youll save up to $176 a year for each brand
name drug you switch from retail to Home Delivery. If you want to use a military pharmacy (refer to
http://www.tricare.mil/mtf.aspx for locations), make sure to check first to see if they carry your prescription. For
more information about this change to TRICAREs pharmacy benefit, visit www.tricare.mil/RxNewRules. [Source:
TRICARE News Release | December 1, 2015 ++]
*********************************

Flu Shots Update 07

No-Cost Shots at Walgreens for VA Enrolled Vets

This time of the year can be very special with festive holidays, fresh memories with families and delicious food. But
amid all these festivities, we are more likely to catch the flu. According to the Center for Disease Control,
approximately 200,000 people are hospitalized due to flu-related complications each year. These exposures can
happen during travel, a trip to the grocery store, or during family or office gatherings. This year, it is easier than
ever to protect yourself by receiving a no-cost flu shot at Walgreens. They have joined forces with the U.S.
Department of Veterans Affairs (VA) to provide enrolled VA patients flu shots at no cost. These flu shots are
available through March 31, 2016, while supplies last. However, doctors advise that the sooner you get the flu shot,
the better your chances are of protecting yourself throughout the season.
The vaccines, of course, are subject to availability and there may be state, age or health restrictions. Only
veterans enrolled in the VA health-care system are eligible neither family members nor TRICARE members are
eligible. This program makes it easier and more convenient for veterans to avoid the flu, especially those who may
live a long distance from the nearest VA facility. Visit your neighborhood Walgreens or go to
www.Walgreens.com/FindAStore to find the nearest location. Walgreens will even send the record of your flu shot
to VA as part of the eHealth exchange to ensure that your VA health records are up to date. Once you find a nearby
Walgreens,
download
the
form
at
https://www.walgreens.com/images/pdfs/IN2225/WAG_VAR_Form_EDIT_10172013_v1.pdf. Then bring it, along with a photo ID and your VA ID card, to
Walgreens. Visit www.ehealth.va.gov/Immunization.asp for more information regarding this program. [Source:
American Legion Nat Cdr | Dale Barnet | November 30 2015 ++]
*********************************

TRICARE Hip Surgery

Benefit Expands to Cover FAL Surgery

Starting in January 2016, TRICARE beneficiaries with a diagnosis and referral will be eligible for surgical treatment
of a hip condition called femoroacetabular impingement, or FAI, according to a TRICARE news release issued 4
DEC. The FAI surgery is the first treatment to be evaluated and approved under the 2015 National Defense
Authorization Act's provisional coverage program, which allows TRICARE to provide coverage for emerging
treatments and technologies, the release said. The hip condition can occur when the bones of the hip are abnormally
shaped and therefore rub against each other and cause damage to the joint, the release said. Symptoms include pain
in the hip or groin area, which limits or hinders mobility, the release added. Starting on Jan. 1, 2016, eligible
beneficiaries with FAI will be able to get the surgery from any TRICARE-authorized orthopedic surgeon. Costs will
vary by plan, the release said, but will be lower when using network providers. The surgery must be pre-authorized
by the beneficiary's regional contractor, which lets providers present additional information for review by TRICARE
and its contract partners. There is no retroactive preauthorization or coverage prior to Jan. 1, 2016.
77

The release referenced information from the American Orthopaedic Society for Sports Medicine, which
explained that some people may have FAI their entire lives and never have any problems. However, if symptoms
develop, the TRICARE release said, it usually means there is damage to the cartilage, and the condition is likely to
worsen. TRICARE can now review emerging health care products and services that are not currently covered under
the TRICARE program but may provide a benefit to patients under a provisional coverage status, Dr. James Black,
medical director for the clinical support division of the Defense Health Agency, said in the release. We will
evaluate other emerging treatments and technologies for consideration and make public announcements when
additional ones are approved. [Source: DoD News | Defense Media Activity | December 4, 2015 ++]
*********************************

TRICARE Help

Q&A 151215

Have a question on how TRICARE applies to your personal situation? Write to Tricare Help, Times News Service,
6883 Commercial Drive, Springfield, VA 22159; or tricarehelp@militarytimes.com. In e-mail, include the word
Tricare in the subject line and do not attach files. Information on all Tricare options, to include links to Handbooks
for the various options, can be found on the official Tricare website, at this web address:
http://www.tricare.mil/Plans/HealthPlans.aspx or you can your regional contractor. Following are some of the issues
addressed in recent weeks by these sources:

(Q) My dad, 88, and mom, 84, are covered by Medicare/Tricare for Life. Mom needs care 24/7. Dad doesnt want
her to go to a skilled nursing facility, so were trying to keep her at home as long as possible. We use an in-home
health service to offset some of the family caregiving. But its becoming a financial burden for my father. Does
Tricare cover any in-home health services?
A. Yes, Tricare does cover home health care services to a point. Basic in-home care authorized under Tricare
includes part-time and intermittent skilled nursing care; home health aide services; physical, speech and
occupational therapy; and medical social services in essence, the same in-home services covered under Medicare.
But obtaining prior authorization from Tricare is a must for in-home health care, and beneficiaries may be charged
separately for certain types of equipment and medications required in connection with that care. Bottom line, your
dad quite likely does not have to cover all the expenses exclusively out of pocket. Get all the details from the Tricare
for Life contractor, Wisconsin Physician Services, at 866-773-0404.
-o-o-O-o-o(Q) My husband is retired from the military, and we have our two kids still living with us. My daughter is 20 and
fresh out of school, with no job and no income or health plan of her own. My son is 19 and will also be out of school
in a few months, and likely will be in a similar situation. Are they still considered dependents with full Tricare
benefits?
A. Yes, both children are eligible for Tricare until they reach age 21 regardless of their employment or income
status, with the somewhat large caveat that they must remain unmarried. They may stay covered under Tricare until
age 23 if they are full-time college students at the time they turn 21. Whats more, upon reaching age 21 (or age 23
if full-time college students), your kids may well be eligible for extended coverage under the Tricare Young Adult
78

program, although that option requires enrollment and payment of monthly premiums, and also requires that the
child remains single. There are some other requirements as well. TYA coverage may last until age 26. More details
on Tricare for dependent children can be found at http://www.tricare.mil/Plans/ Eligibility/Children.aspx . Specific
information on Tricare Young Adult is here: http://www.tricare.mil/Plans/HealthPlans/TYA.aspx .
-o-o-O-o-oHave a question for the TRICARE Help column. Send it to tricarehelp@militarytimes.com and include the word
Tricare in the subject line. Do not attach files. [Source: MilitaryTimes | 1 thru 15 Dec, 2015 ++]

* Finances *

Store Credit Cards

Pros & Cons

At checkout registers in department stores across the country, you can expect to receive a smile and a sales pitch.
Well, at least a sales pitch. Store credit cards are moneymakers for businesses, and you can expect clerks to dangle a
nice discount in front of you in the hope youll apply. The discount on store merchandise and other rewards are often
tempting and many of us take the bait but are store credit cards a good deal?
Pros of store credit cards
Store credit cards arent all bad. In fact, they can come with some nice benefits. There are four major pros for getting
a store credit card.
Discounts: Not only do you get an initial 10 percent to 20 percent discount when you sign up, you may also
be in line to receive extra discounts all year long. Store credit card holders may be the first to receive
special coupons or gain access to exclusive sales events as a reward for their loyalty.
Flexibility: Some, but not all, store credit cards are affiliated with one of the major credit card companies.
That means your department store card can also be used for purchases elsewhere as a regular Visa,
MasterCard or American Express card. As a bonus, depending on the retailers program, you may even earn
rewards points to be redeemed as future discounts at the store.
Credit benefits: If your credit score could use some polishing, a store credit card may be able to help.
Consistently using and paying off the card will help establish a pattern of good credit habits that can, in
turn, boost your score.
Financing options: Finally, some store credit cards can be used to obtain zero percent financing offers.
Stores may give you 18 months or more interest-free to pay off a major purchase made with their credit
card.
Cons of store credit cards
While there are definitely some nice perks attached to store credit cards, all is not rosy. Heres a look at some of the
negatives attached to these accounts.
79

High interest: By far, the biggest negative associated with store credit cards is their interest rate. A recent
CreditCards.com survey showed the average APR on Americas biggest retail-branded credit cards had
increased to 23.43 percent, far higher than the average for all credit cards (15 percent). Some have APRs
climbing to almost 30 percent. And remember that zero percent financing? If you dont pay off your
purchase within the allotted time, many store cards go back and apply the interest retroactively. So lets say
you had 18 months to pay off a $2,000 purchase, but you still had a $200 balance at the end of the
financing period. The store will then tack on 18 months worth of interest to your balance. Yikes!
Limited use: Some store cards may offer the same flexibility as a regular credit card, but others can only be
used at that particular retailer. In addition, you may have a very low spending limit. Both make it
questionable whether the cards are a good deal, particularly when you consider the ding to your credit score
that were going to talk about next.
Credit damage: Your credit score gets dinged slightly every time you have it pulled for a card application,
and your score will also suffer if your card balances are too high. The damage can be felt in other ways.
When reviewing loan applications, creditors not only consider how much debt you have but also how much
existing credit is available to you. If you already have enough credit to go on a $20,000 spending bender,
lenders might be hesitant to give you access to more cash.
Temptation to spend: Another negative we see with store cards is the temptation to buy more. Stores arent
giving out cards and coupons to be nice; its a strategic business decision. They hope that by giving you a
few perks, youll come to their store and blow your budget once you see all the great things they have for
sale.
Better deals elsewhere: There are credit cards offering sign-up bonuses good for a free plane ticket, a
reward that could be a better deal than 15 percent off one days purchases. So when youre offering up your
signature, be sure youre getting as much for it as possible. (Check out: How to Play the Credit Card
Rewards Game, and Win at http://www.moneytalksnews.com/how-play-and-win-the-credit-card-rewardsgame).
The bottom line

So back to the original question: Should you apply for a store credit card? In the past, weve told you the answer is
no. However, if you theres a store you shop at regularly and a card gets you an extra discount, it may make sense.
Still, you might want to check out the other credit cards on the market to see if you can find one that offers better
rewards with a lower interest rate. Either way be sure you follow these two rules:
Buy only what you would purchase if you didnt have the card. No extra trips just because there is a
cardmember only sale.
Pay off your balance each month.
[Source: MoneyTalksNews | By Maryalene LaPonsie on November 20, 2015 ++]
*********************************

SBP DIC Offset Update 42

Advocates Hopeful for Congressional Fix

Advocacy groups still have hope that Congress can fix a longstanding problem with survivor payouts to some
military families, despite the fact that it rejected the newest proposal circulating on Capitol Hill as "no solution at
all" earlier this week. On 11 DEC, members of The Military Coalition, an umbrella group of defense and veterans
advocacy groups, lobbied members of the House Armed Services Committee to end the offset in the Defense
Department's Survivor Benefit Plan payouts and the U.S. Department of Veterans Affairs' Dependency and
Indemnity Compensation program. It's the latest round in a nearly three-decade fight by the groups over what they
see as a fundamental unfairness in the two programs designed to help survivors of deceased veterans who thought
their families would not face financial woes. "Our widows are already suffering," said Chris Kinnard, co-chair of the
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Government Relations Committee for Gold Star Wives of America. "We need to have the offset repealed or
adjusted."
Survivors of veterans or troops who die of service-related causes are eligible to receive DIC payouts of around
$15,000 a year, designed to help cover the costs related to an unexpected loss. Families of military retirees who
enroll in the SBP can receive up to 55 percent of their loved ones' retirement pay upon their death. The life
insurance-type payouts are subsidized by DoD, but require enrollees to pay-in 6.5 percent of their retirement benefit.
But under federal rules, when a deceased veteran (or active-duty service member, in certain cases) qualifies for both
programs, for every dollar paid out in DIC, payouts under SBP are reduced by one dollar. The result: A loss of up to
$15,000 for families already dealing with the loss of a spouse or parent. "This offset exists to save the government
money, which is perhaps the ultimate insult our government can inflict on surviving spouses," said Joe Davis,
spokesman for the Veterans of Foreign Wars. "The two payments are mutually exclusive and paid for two different
reasons by two different departments."
But eliminating the offset has proved remarkably difficult. The issue affects roughly 63,000 military families, and
scrapping the offset completely would create a deficit of over $1 billion for the federal government. Lawmakers in
both parties have floated possible solutions, but only minor corrections have been adopted thus far. Earlier this year,
officials from the Military Compensation and Retirement Modernization Commission recommended creating new
SBP offerings that would get around the offset by charging higher premiums to retirees. Lawmakers have been
reviewing the idea, but advocates have come out swinging against it. "To us, that is no solution at all," said Steve
Strobridge, director of government relations for the Military Officers Association of America. "It puts the member in
the position of having to guess if they'll die of a service-connected cause." Instead, advocates are still hopeful that a
full repeal can be put in place. Kinnard said that some military families have found workarounds for the offset,
including transferring family assets to minor children and other complicated tax maneuvers. None of them should be
necessary, she argued. "Why are they taking our widows' money away?" she said. "It's wrong, it's just wrong."
[Source: MilitaryTimes | Leo Shane | December 10, 2015 ++]
*********************************

Debt Statute of Limitations Update 01

Do Unpaid Bills Expire?

Sometimes a little knowledge is a dangerous thing. For example, many people probably assume that because of the
statute of limitations, after a certain period of time, they no longer owe a debt. Debts dont expire. What does expire,
however, are the legal remedies to collect them. In other words, while theres no time limit when it comes to trying
to get you to pay, there is a time limit for using a court to force you to pay. Companies you owe can do lots of things
to try to collect a debt. They can damage your credit, send a collection agency after you and sue you in court. But
legal remedies dont last forever. Nearly all transgressions in our society have a legal limit beyond which you cant
be successfully sued or convicted in court. Its called the statute of limitations. There are a few offenses not limited
by statute murder, for example but most criminal and civil issues have a time limit.
When it comes to debts, bills that can no longer be collected through the court system are called time-barred.
While theres nothing preventing a company from attempting to collect forever, statutes of limitation, unique to each
state, establish the time when legal remedies expire. To find the statute of limitations in your state, check out the
charts at http://credit.about.com/od/statuteoflimitations/a/entirestatesol.htm and http://www.creditcards.com/creditcard-news/credit-card-state-statute-limitations-1282.php. You can also do a search online for statute of limitations
on debt [your state]. In Florida, for example, a creditor has four years to collect a debt for open accounts, the
category that includes most bills, including credit card debt. After that time, the statute of limitations will be a
successful defense against collection.

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Note that in most states, the statute of limitations doesnt wipe out a debt. If you borrowed money, you still owe
it. So a creditor can still call you, send you letters, or otherwise try to get you to pay. In fact, this is quite common.
Collection agencies and law firms routinely buy old debts for pennies on the dollar and attempt to collect. And
theyve been known to say or do just about anything to get you back on the hook. They shouldnt, however, threaten
to sue you over a debt thats time-barred. Also note that while the statute of limitations is an effective defense if
youre sued, its typically not automatic. If you dont show up and use it as a defense, it can be waived. In other
words, while a collection agency shouldnt sue you for a time-barred debt, it can happen. If it does, you need to be
there when your court date rolls around. As with any criminal or civil proceeding, to win you need to appear and
prove your case.
The laws regarding debt collection are tricky. For example, there are states that allow otherwise legally
uncollectible debts to be reinstated if the consumer makes a payment or even acknowledges the debt. Remember,
except in Wisconsin and Mississippi, the statute of limitations doesnt wipe out a debt, it just eliminates the legal
remedies available to collect it. So if you find yourself in this situation, and the bill in question is large enough to
warrant it, the smart move is to call a consumer attorney (you can find one at the National Association of Consumer
Advocates website http://www.consumeradvocates.org ) and ask them what to do. Do this before responding to any
collection notice or other contact from a collection agency. Otherwise, you might inadvertently make yourself liable
for what was a time-barred debt.
What shows up on your credit report is determined by federal, not state, law. The credit reporting agencies
(Experian, TransUnion, and Equifax) have to remove most negative information after seven years. Bankruptcies can
remain on your report for up to 10 years, and there are some other, less common debts, like unpaid taxes and child
support, that can remain on your report indefinitely. The seven-year period normally begins 180 days after the debt
becomes delinquent the day you first missed a payment. But if you start once again making payments, the debt
could reappear.
If you plan on not paying and using the statute of limitations as a defense, do more research. Start with the FTCs
page on time-barred debt at http://www.consumer.ftc.gov/articles/0117-time-barred-debts. But no matter how much
you read and think you understand, its still advisable to talk to, if not hire, an attorney. The more money at stake,
the more important this becomes. Debt collection is a complex topic, and reading simple stuff online probably wont
answer all your questions or completely put you at ease. Talking to someone who does this for a living, however,
will. If you agree to pay a delinquent bill thats adversely affecting your credit history, dont pay it without
attempting to use your payment as leverage to have bad marks removed. If youre paying the creditor who originally
reported the delinquency to credit reporting agencies, they have the ability to have the delinquent payments removed
from your credit reports. Try to negotiate the removal of the bad marks in exchange for payment. If youre
successful, get it in writing before sending the money. This way youll get something additional for your payment: a
better credit history and score. [Source: MoneyTalksNews | Stacy Johnson | December 8, 2015 ++]

*********************************

Cola 2016 Update 13

Emergency Payment Legislation | 3.9%

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Retired federal employees should receive at least as much of a raise next year as private sector CEOs, according a
bicameral group of Democratic lawmakers, which has proposed providing an emergency payment to make up for
the lack of a cost-of-living adjustment in 2016. Rep. Tammy Duckworth (D-IL) introduced on 1 DEC the Seniors
and Veterans Emergency (SAVE) Benefits Act, joining a group of more than 20 senators who have signed on to
matching legislation in the upper chamber that would give federal retirees a lump sum payment of 3.9 percent of
their annuities. The rate would equal the average raise CEOs at the top 350 American companies received last year,
lawmakers said. The typical retiree would receive about $580. The bill would apply to 70 million Americans who
receive benefits from Social Security, veterans payments and other programs. The lawmakers proposed the measure
after data from the Bureau of Labor and Statistics confirmed no COLA would be applied in 2016, as the Consumer
Price Index for Urban Wage Earners and Clerical Workers (CPI-W) did not tick up in 2015.
The SAVE Benefits Act would offset the one-time payment to retirees by prohibiting corporations from writing
off executive bonuses as business expenses for tax purposes. If we do nothing, on 1 JAN, more than 70 million
seniors, veterans, and other Americans won't get an extra dime in much-needed Social Security and other benefits,
said Sen. Elizabeth Warren (D-MA) who introduced the bill in the Senate. And while Congress sits on its hands and
pretends that there's nothing we can do, taxpayers will keep right on subsidizing billions of dollars' worth of bonuses
for highly paid CEOs. Sen. Barbara Mikulski (D-MD), a longtime federal employee advocate who will herself
retire when her term expires in 2016, said the bill would enable retirees to pay for basic necessities like food and
housing. This legislation will help 1.1 million seniors, veterans of Social Security age and federal employee retirees
in Maryland so they arent left out in the cold when it comes to the Social Security benefits theyve earned and
deserve, Mikulski said. I will continue to fight so that seniors, veterans and federal employees have a government
on their side.
Among the senators on board are presidential candidate Bernie Sanders (I-VT) and Chuck Schumer (D-NY).
Other federal employee and retiree advocates have denounced the lack of annuity adjustment, saying it would lead
to a decline in living standards for former feds. A 3.9 percent increase would far outpace recent COLAs. The 2015
adjustment was 1.7 percent, and the 2014 increase was 1.5 percent. Retirees did receive a 3.6 percent boost in 2012.
Richard Thissen, president of the National Active and Retired Federal Employee Association, said the formula
determining COLAs requires fundamental reform, but still supported the bill. "Absent a permanent fix in the
methodology," Thissen said, "Sen. Warrens bill is a good step forward in providing our nations seniors and veterans
some much-needed relief in offsetting their rising health care costs.
The Warren-Duckworth bill goes farther than one proposed by Rep. Alan Grayson (R-FL) which would grant
retirees a 2.9 percent COLA next year. Both Grayson, who has since backed a companion the SAVE Benefits Act of
his own, and Duckworth are running for the Senate in 2016. [Source: GovExec.com | Eric Katz | December 2, 2015
++]
*********************************

Saving Money

Batteries

When it comes to powering our toys, cameras and flashlights, we face an array of battery choices and ring up
quite a bill. What choices will help us defray the estimated $14 billion we spend, collectively, on batteries each year?
Do we choose alkaline or nonalkaline? Will a name-brand battery outlast a cheaper generic or house brand? When
does it make sense to depart from disposables and put money down on rechargeables? Heres the skinny, starting
with disposables:

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1. Nonalkaline vs. alkaline. These days, many stores carry only alkaline, or mostly alkaline batteries, though
discount stores still have a lot of nonalkaline products on the shelves, usually at a lower price. What makes more
sense? Rhett Allain, physics professor from Southeastern Louisiana University, found out. He says that tests show
name-brand, disposable alkaline batteries beat cheap, dollar-store nonalkalines. If you buy the cheaper
(nonalkaline) batteries, youre paying a little bit now, and then youll pay a little bit later, Allain says. Its thinking
more short-term. If you buy the more expensive batteries, you pay more upfront but they last longer. In the end
theres not that big a difference, its the same amount of energy per price. But arguably, if you opt for the alkaline
product, you will save on the hassle of swapping out batteries frequently and on trips to the store for new batteries.
2. Alkaline batteries: Generic vs. name brand. Generics are proven ways to save 20-50 percent on many of the
things we buy, from groceries to medicine, says Money Talks News financial expert Stacy Johnson. So suppose you
decide to buy alkaline batteries, and there you are at the store facing a shelf of similar products some sold under
brand names and others with generic packaging. Turns out that when choosing between generic and name-brand
batteries, theres no significant difference in performance, according to bargain-spotting website DealNews. Our
exclusive test results gathered by the Worcester Polytechnic Institute show that in terms of power over time, theres
no discernible difference between expensive, name-brand batteries and cheaper generic ones. But DealNews
http://dealnews.com/features/Test-Results-That-Will-Change-the-Way-You-Buy-Batteries-Forever/449005.html
found one notable exception: The Energizer Advanced Lithium battery pushed out far more initial voltage than
the others in a test and when it finally corrected down to the expected 1.5 volts, it kept going and going and
going. This product also weighs one-third less than standard alkaline batteries, Energizer says.
3. Can you extend battery lifespan? Some battery makers say their products have a shelf life of 10 years, though it
never seems that way when you dig out a stored flashlight or battery-powered toy to find that it has a dead battery. It
turns out that theres no need to store batteries in the fridge, like your grandparents did, in an effort to extend their
life; it wont make any difference. But a new product, Batteriser (http://www.batteriser.com), claims it can make
your disposable battery last eight times longer by tapping into unused power, even though the battery appears to be
dead. Most new batteries contain 1.5 volts of energy. Many devices stop functioning once the battery falls to around
the 1.3 volts, it says. Batteriser is a thin (0.01 mm) sleevelike sheet of stainless steel crafted to slip into devices
battery compartments alongside the used batteries. A four-pack will cost less than $10, the company says.

4. To get a deal, go by cost per unit. Finding the best price on batteries can be tricky, but its easier if you boil it
down to unit price. A 100-pack of Duracell alkaline AAs were listed recently on Amazon for $34.80, or 34.8 cents
per battery. At the same time, Walgreens offered its house-brand alkaline Supercell AAs in packages of 24 each for
$14.49 as a buy one get one free, meaning 48 batteries for 30.1 cents apiece. At discounter Big Lots, heavy-duty AA
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Rayovac batteries (carbon, nonalkaline) were offered in four-packs for $1.95, almost 49 cents each, while a 20-pack
of Sunbeam AA heavy-duty (carbon, nonalkaline) batteries was $3, or 15 cents each.
5. Choose the most suitable disposable battery. What type of battery is best for you? It depends on how you
plan to use it. Battery makers, Consumer Reports and retailers such as REI offer these suggestions:
Lithium: For high-drain devices such as cameras, wireless gaming accessories and hand-held games.
Alkaline: The most common, for low-drain devices such as remote controls, flashlights, calculators, clocks
and radios, LED headlamps, portable electronics and wireless mice and keyboards.
Zinc chloride (heavy-duty) or zinc carbon (general purpose): Use these for clocks and other low-drain
devices.
6. When to opt for rechargeables. If youre going through a lot of disposable batteries, you may want to consider
rechargeables. They cost more upfront, but depending on the device, they can pay for themselves over time:
Nickel-Metal Hydride (NiMH): Good for high-drain devices such as digital cameras and flash units or
devices that experience prolonged use, such as GPS receivers.
Nickel Cadmium (NiCd): Recommended for power tools, two-way radios and high-temperature situations.
[Source: MoneyTalksNews | Jim Gold | June 10, 2015 ++]
*********************************

Online Interview Scam

How it Works

Looking for a job? Watch out for this twist on the common job hunt con that uses real business names and
"interviews" job candidates over instant messenger.
How the Scam Works:
You spot an online job posting or receive an email about a position from a "recruiter." You search online for
the company name. It's a real business with a website, so you email your resume to the hiring manager.
The "manager" replies and invites you to interview for the position. Instead of coming into the office, the
"manager" asks you to do an interview over an instant messenger service. He or she urges you to download
the program and answer questions about your qualifications.
The interview goes well and the "manager" offers you the position. Don't take it! Job scams steal money
and/or personal information from victims. In one version reported to Better Business Bureau, the "job" is
actually a crime. The position involves assisting criminals in transferring stolen money or good out the
country. If you participate, you could be prosecuted.
How to Spot a Job Scam:
Check the business's website. Scammers frequently post jobs using the names of real companies to lend
legitimacy to their cons. Check on the business's website for the position and/or call to confirm.
Some positions are more likely to be scams. Always be wary of work from home, secret shopper positions
or any job with a generic title, such as caregiver or customer service representative. These positions often
don't require special training or licensing, so they appeal to a wide range of applicants. Scammers know this
so use these kinds of titles as a hook.
If a job looks suspicious, search for it online. If the result comes up in other cities with the exact same job
post, it is likely a scam.
Watch out for on-the-spot job offers. You may be an excellent candidate for the job, but beware of offers
made without an in person interview. A real company will want to talk to a candidate before hiring him or
her.

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Look for other warning signs. Watch out for communications riddled with typos and bad grammar. If a job
posting claims it pays significantly higher than comparable jobs,that is a warning sign. If the "hiring
manager" is very persistent in his or her communication with you, that's another red flag.

To find out more about other scams, check out BBB Scam Stopper (www.bbb.org/scam). To learn more about
other job scams check out the post http://www.bbb.org/blog/2015/04/how-to-spot-a-work-at-home-scam on BBB's
Consumer News and Opinion Blog. To report a scam, go to BBB Scam Tracker (www.bbb.org/scamtracker).
[Source: BBB Scam Alert | October 2, 2015 ++]

********************************

iPhone 7 Testing Scam

How it Works

Test the upcoming iPhone 7 and get a free iPhone 6 at the same time! If this sounds too good to be true, that's
because it is. Scammers are using Apple's popularity to phish for credit card information.
How the Scam Works:
You receive an email or spot a social media post claiming that Apple is looking for people to test it's
upcoming iPhone 7. You've been "randomly selected" to try out the new device. To sign up as a tester, all
you need to do is complete a short survey. Then, as a thank you for your participation, Apple will send you
a free iPhone 6.
You click to the website, and the survey seems official. It has basic questions such as, "Do you currently
own any Apple products?" However, when you get to the end of the survey, the site prompts you to enter
your credit card information. It claims that "Apple" just needs to charge you shipping costs for the free
iPhone 6.
Don't do it! There is no free iPhone, and Apple is not looking for iPhone 7 testers. Sharing your credit card
number and personal information with scammers opens you up to fraudulent charges and, identity theft.
Tips to Spot a Fake Survey Scam: Many businesses offer discounts or free products in exchange for customer
feedback and information on shopping preferences. It can be hard to tell a real offer from a fake one, but here are
some pointers:
Look up the website on WhoIs. Right click on the link and select "Copy Link Address." Then, paste this
destination URL into the WhoIs.net directory. This directory will tell you when and to whom a domain is
registered. If the URL is brand new, or if the ownership is masked by a proxy service, consider it a big
warning sign of a scam.
Watch out for look-alike URLs. Scammers pick URLs that look similar to those of legitimate sites. Be wary
of sites that have the brand name as a subdomain of another URL (i.e. brandname.scamwebsite.com), part
of a longer URL (i.e.companynamebooking.com) or use an unconventional top level domain (the TLD is
the part of the name after the dot).
Legitimate businesses do not ask for credit card numbers or banking information on customer surveys. If
they do ask for personal information, like an address or email, be sure there's a link to their privacy policy.
Watch out for a reward that's too good to be true. If the survey is real, you may be entered in a drawing to
win a gift card or receive a small discount off your next purchase. Few businesses give away gifts worth
hundreds of dollars just for answering a few questions.
To find out more about other scams, check out BBB Scam Stopper (bbb.org/scam). To report a scam, go to BBB
Scam Tracker (bbb.org/scamtracker). [Source: BBB Scam Alert | October 9, 2015 ++]
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********************************

Chip Card Scam

How it Works

Many banks are issuing new debit and credit cards with an embedded chip for additional security. The new chips are
meant to reduce fraud, but the hype around the new cards is having an unintended side effect... fodder for scams.
How the Scam Works:
You receive an email saying that your new credit or debit card with the chip is on the way. But first you
need to update your account. The message seems to be from your bank or credit card issuer. It may have the
company's logo and even the reply email address.
All you need to do, claims the message, is reply and confirm your personal and banking information. Or, in
another version, the message instructs you to click on a link to continue the process.
Don't do it! If you share personal information, the scammer can use it to commit identity theft. If you click
on the link, you may download malware to your device. Scammers use malware to steal your personal
information, send spam and commit fraud.
Tips to Spot a Phishing Scam:
Be wary of unexpected emails that contain links or attachments. Do not click on links or open files in
unfamiliar emails.
Consider how the company normally contacts you. If a company usually contacts you by phone, be
suspicious if you suddenly start receiving emails or text messages without ever opting in to the new
communications. Banks and credit card issuers have secure communications channels that require you to
log into your account before you can read the message.
Don't believe what you see. Just because an email looks real, doesn't mean it is. Scammers can fake
anything from a company logo to the "Sent" email address.
Check the company's website or call them. If something sounds suspicious, confirm it by checking with the
bank or credit card issuer. The customer service phone number will be on the back of the card. If you want
to look on the company's website, look for the URL on your statement or do a web search. DON'T click on
any links in the message you suspect is a scam.
Be cautious of generic emails. Scammers try to cast a wide net by including little or no specific information
in their fake emails. Always be wary of messages that don't contain your name, last digits of your account
number or other personalizing information.
To learn more about this scam and the new credit and debit cards, check out this article on the Federal Trade
Commission's website http://www.consumer.ftc.gov/blog/what-know-about-new-credit-and-debit-chip-cards. To find
out more about other scams, check out BBB Scam Stopper (bbb.org/scam). To report a scam, go to BBB Scam
Tracker (bbb.org/scamtracker). [Source: BBB Scam Alert | October 26, 2015 ++]

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Illinois Vet Property Tax

New Law Increases Exemptions

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A new law in Illinois is increasing relief of property tax for disabled Illinois military veterans. The law expands
eligibility for the Disabled Veterans' Standard Homestead Exemption for United States Department of Veterans
Affairs certified service-connected disabilities of 30 percent or more. Under the new law, veterans with disabilities
between 30 to 49 percent will be entitled to a $2,500 annual exemption; those with disabilities between 50 and 69
percent will be eligible for a $5,000 annual exemption; and those who are 70 percent disabled or more will be
exempt from paying property taxes. Disabled veterans will see these savings when they pay their property taxes in
2016. For more information, visit the Illinois Revenue Property Tax--Exemptions webpage at webpage
http://tax.illinois.gov/LocalGovernment/PropertyTax/taxrelief.htm in the Disabled Veterans' Standard Homestead
Exemption section. [Source: NAUS Weekly Update | Washington Report | December 11, 2015 ++]
********************************

Tax Burden for Alabama Retired Vets As of Dec 2015

Many people planning to retire use the presence or absence of a state income tax as a litmus test for a retirement
destination. This is a serious miscalculation since higher sales and property taxes can more than offset the lack of a
state income tax. The lack of a state income tax doesnt necessarily ensure a low total tax burden. States raise
revenue in many ways including sales taxes, excise taxes, license taxes, income taxes, intangible taxes, property
taxes, estate taxes and inheritance taxes. Depending on where you live, you may end up paying all of them or just a
few. Following are the taxes you can expect to pay if you retire in Alabama.
Sales Taxes
State Sales Tax: 4% (prescription drugs exempt); The rate can go as high as 8.5% depending on city and county
taxes. The state administers over 200 different city and county sales taxes; however, it does not administer all
county or city sales taxes. There is a 3% tax on food sold through vending machines; 2% on sales of motor vehicles,
mobile homes and motorboats; and 4% on sales of tangible personal property.
Gasoline Tax: 39.3 cents/gallon (Includes all taxes)
Diesel Fuel Tax: 46.25 cents/gallon (Includes all taxes)
Cigarette Tax: 42.5 cents/pack of 20
Personal Income Taxes
Tax Rate Range: Low 2.0%; High 5.0%
Income Brackets: *Lowest $500; Highest $3,000
Personal Exemptions: Three. Single $1,500; Married $3,000; Dependents $500
Standard Deduction: Single $2,500; Married filing joint return up to $7,500 based on state AGI and filing
status.
Medical/Dental Deduction: Limited to excess of 4% of adjusted gross income. However, you may deduct 50
percent of the premiums you pay for health insurance if you work for an employer that has less than 25 employees.
Federal Income Tax Deduction: Full
Retirement Income Taxes: Social Security, military, civil service, state/local government and qualified private
pensions are exempt. All out-of-state government pensions are tax-exempt if they are defined benefit plans.
Retired Military Pay: Pay and survivor benefits not taxed.
Military Disability Retired Pay: Retirees who entered the military before Sept. 24, 1975, and members receiving
disability retirements based on combat injuries or who could receive disability payments from the VA are covered by
laws giving disability broad exemption from federal income tax. Most military retired pay based on service-related
disabilities also is free from federal income tax, but there is no guarantee of total protection.
VA Disability Dependency and Indemnity Compensation: VA benefits are not taxable because they generally are
for disabilities and are not subject to federal or state taxes.

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Military SBP/SSBP/RCSBP/RSFPP: Generally subject to state taxes for those states with income tax. Check with
state department of revenue office.
Property Taxes
The state does not collect taxes on personal property such as boats and computers. Each city and county may levy
its own millage rate. Refer to http://www.revenue.alabama.gov/advalorem/exemptions/exemptions.cfm for
information on all ad valorem tax exemptions,
Homeowners 65 and older are exempt from all state property taxes. Some cities also assess separate property taxes.
A homestead exemption up to $5,000 of assessed value is granted by the state on real property taxes. A larger
exemption is available to persons over 65. Visit the states property tax division website
http://revenue.alabama.gov/advalorem/index.cfm. To view the states homestead summary chart, refer to
http://revenue.alabama.gov/advalorem/homesteads.cfm
Taxpayers are allowed to take a deduction on their individual returns for amounts contributed to a catastrophic
(hurricanes, floods and storms) savings account. If the qualified deductible is $1,000 or less, the maximum
contribution is $2,000. If the qualified deductible is more than $1,000, the maximum contribution is the smaller of
(a) $15,000 or (b) twice the qualified deductible.
Inheritance and Estate Taxes
Alabama does not impose a separate state estate or inheritance tax. It has what is known as a pickup or sponge
tax, which means the state collects the maximum credit allowed on the federal estate tax return for state death
taxes.
For further information go to the Alabama Department of Revenue site http://revenue.alabama.gov/index.cfm or call
or call 334-242-1512 or 256-837-2319.
If you are thinking about retiring to Alabama, check out
http://www.ador.state.al.us/taxpayerassist/retire.pdf. [Source: http://www.retirementliving.com/taxes-alabama-iowa
Nov 2015 ++]
******************************

Tax Burden for Louisiana Residents

As Dec 2015

Personal income tax

Louisiana collects income taxes from its residents utilizing three tax brackets. For single taxpayers, they
are:
2 percent on the first $12,500 of taxable income.
4 percent on taxable income between $12,501 and $50,000.
6 percent on taxable income of $50,001 and above.
For married persons filing joint returns, the rates remain the same but the income brackets are doubled.
Residents need to file Form IT-540, which is due by May 15.
Sales taxes
The sales tax rate in Louisiana is 4 percent: a 3.97 percent Louisiana sales tax and a 0.03 percent Louisiana
Tourism Promotion District sales tax.

Political subdivisions also levy their own sales tax in addition to the state fees.

The state also has a use tax of 8 percent applied toward goods purchased out of state, which includes 4
percent to be distributed by the Department of Revenue to local governments. The use tax is in lieu of the
actual local rate in effect in your area, and is payable regardless of whether the actual combined state and
local rate in your area is equal to, higher than or lower than 8 percent.

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Personal and real property taxes

Property taxes are assessed and collected at the local (parish or municipality) level, not by the Louisiana
Department of Revenue. The Louisiana Tax Commission has a regulatory role regarding property
assessments.
Taxpayers having property in the state of Louisiana are required to file a property tax return with the
assessor of any parish and any municipality levying a tax on or before April 1 or within 45 days of receipt
of the return form, whichever is later, furnishing values as of Jan. 1.
Property subject to ad valorem taxation is listed on the assessment rolls at its assessed valuation, which,
less some exceptions, is a percentage of its fair market value. The percentage of fair market value is
uniform throughout the state upon the same class of property.
Louisiana offers a homestead exemption on the first $7,500 of the value of a person's primary residence.
The exemption, however, does not usually apply to municipal taxes.
Inheritance and estate taxes
The Louisiana inheritance tax was repealed effective Jan. 1, 2010. However, individuals who inherited
property before the tax's repeal and did not file an inheritance tax return may be subject to taxes and
penalties that have since accrued.
All estates that are subject to federal estate taxation under the U.S. Internal Revenue Code must file a
Louisiana Estate Transfer Tax Return. Since the phaseout of the federal estate tax credit, however, no state
estate tax is imposed.
Other Massachusetts Tax Facts
The Louisiana Department of Revenue offers eligible taxpayers the option of free Internet filing.
Once residents have filed, they can go online to check their refund status.
Athletes, even those who are not full-time residents of Louisiana, who received income from Louisiana
sources must file a state tax return, reporting their state income.
Taxpayers can report suspected cases of tax fraud by filing online reports with the state.
[Source: http://www.bankrate.com/finance/taxes/state-taxes-louisiana.aspx Dec 2015 ++]
******************************

Thrift Savings Plan 2015

Returns as of 11 DEC 2015

There are currently 10 investment funds in the Thrift Savings Plan. Five are individual stock and bond funds, and the
other five are target retirement date funds. The table below summarizes the historical performance and risk
characteristics of the five primary TSP Investment Funds. Click on any link in the table header to see performance
charts and other details for that fund.
TSP Investment Funds
8/31/1990 - 12/11/2015
Last Price (12/11/2015)
Change (1-Day)
YTD Return
1-Year Return
3-Year Return
5-Year Return
10-Year Return
Annual Return Since 8/31/1990
Annualized Standard Deviation [2]
Maximum Drawdown [3]
Sharpe Ratio [4]
Value of $1,000 invested on 8/31/1990

TSP
G Fund
14.8979
0.01%
1.93%
2.04%
2.07%
2.04%
2.97%
4.9%
0.3%
$3,313

90

TSP
F Fund
17.0578
0.39%
1.52%
1.80%
2.09%
3.79%
4.90%
6.4%
3.9%
-6.6%
0.41
$4,842

TSP
C Fund
27.1097
-1.93%
-0.21%
1.04%
14.57%
12.58%
7.10%
9.8%
18.1%
-55.2%
0.35
$10,645

TSP
S Fund
34.7214
-1.98%
-4.34%
-1.75%
13.06%
10.66%
7.75%
10.7%
19.9%
-57.4%
0.37
$12,979

TSP
I Fund
23.6444
-1.87%
-2.37%
-3.66%
5.01%
3.85%
3.20%
5.4%
17.9%
-60.9%
0.12
$3,816

Notes
1.
Standard deviation, also known as historical volatility, is used by investors as a gauge for the amount of expected
volatility. Volatile TSP funds like the C, S, and I fund have a high standard deviation, while the deviation of the G and F
funds is lower. When comparing investments, a low standard deviation is preferable.
2.
Drawdown: the peak-to-trough decline in the TSP fund value, measured as a percentage between the peak and the
trough. Perhaps best expressed in the historical drawdown charts for each fund, which show the magnitude and duration of
each periodic decline. A good investment strategy aims to minimize drawdowns.
3.
The Sharpe Ratio measures risk-adjusted performance. It's calculated by subtracting the risk-free interest rate from the
rate of return for a specific fund, and dividing the result by the standard deviation of the fund returns. Since we only track
TSP funds on this website, we use the G fund returns as our risk-free investment. When comparing investments, a high
Sharpe Ratio is preferable.

[Source: http://www.tspfolio.com/tspfunds December 11, 2015 ++]

* General Interest *

Notes of Interest

01 thru 15 Dec 2015

Prostitution Deterrent. Los Angeles City Council voted to have the city attorney investigate ways to
implement such a plan for the city use license-plate readers in a plan to send letters to owners of vehicles
that drive through known areas of prostitution as a way to discourage them from returning?
Tampa Airport Parking. Disabled veterans will not have to wait for the Legislature to pass a new law to
get free parking at Tampa International Airport. Airport officials have already changed their policies to now
allow any driver with a special disabled veterans license plate issued by the state to park for free up to a
week.
Health. If youre trying to increase your muscle mass, whether youre just starting a program or
recovering from an injury, lifting lighter weights (with more repetitions) can be a useful way to minimize
the risks associated with heavy weightlifting while still building muscle.
GI Bill. Congress closed a loophole many vets were taking advantage of. The new NDAA law prohibits
the receipt of unemployment benefits while receiving the Post-9/11 GI Bill. Free tuition at school, a
housing allowance to pay all their housing costs, and $1,000 a year book stipend is provided under the bill.
Your Birthday Song. If you would like to hear the song that was #1 on the day you were born check out
http://playback.fm/birthday-song.
Your Birthday Movie. If you would like to view the movie trailer of the #1 movie on the day you were
born check out http://playback.fm/birthday-movie. The site also provides a link to purchase it from
Amazon.
Top Songs by Year. To hear the top songs from any year go to http://playback.fm/year/0000/ and change
the last four digits to the year you are interested in.
Hows He Do It: Check out https://www.youtube.com/embed/DRmD5l37Q7k and see if you can figure
out how it was done.
Safe Driving. How much sleep deprivation is too much before motorists no longer can drive safely? Thats
essentially the question the nonprofit National Sleep Foundation (NSF) recently set out to answer by

91

convening a panel of scientists from multiple disciplines, including medicine and transportation. Their
consensus? People who have slept for two hours or less in the prior 24 hours are unfit to drive.
Dog Tags. Soldiers' Social Security numbers will no longer be part of their dog tags, the Army announced
8 DEC.The change, which some have argued is long overdue, is the first update to the ubiquitous
identification tags in more than 40 years.
MCAS Futenma. Ginowan city, Okinawa wants to develop Marine Corps Air Station Futenma as a
Disney resort when U.S. forces relocate and the land returns to Japanese control.
Nuclear Age. North Korean leader Kim Jong-un says his country has developed a hydrogen bomb, state
media reported 10 DEC.
Xmas Poop. Check out https://www.youtube.com/watch?v=b9TTz3R5SmI to see the milk and cookie
impact on Santa.
Judge Jeanine. Whether you agree with what she said or not you should be aware of her 6 DEC Fox
News opening statement on Muslim terrorism at http://video.foxnews.com/v/4648609336001/judgejeanine-time-to-batten-down-the-hatches/?intcmp=hpvid1#sp=show-clips.

[Source: Various | December 15, 2015 ++]

*********************************

Easy Ways to Stay Warm

7 Tips

Reverse your ceiling fan - When chilly temps set in, you probably arent thinking about turning on your ceiling fan.
But the appliance actually boasts year-round benefits. Heat rises. Therefore, reversing the direction of the blades
so they spin in a clockwise motion will draw the cool air up toward the ceiling while forcing the warm air back
down to heat your space. Choose the lowest setting and remember to adjust your thermostat accordingly you
might even see significant savings on your next electric bill. The University of Arkansas cites research showing that
wintertime use of ceiling fans can lower heating costs by 20 to 30 percent.
Pitch a tent or assemble a blanket fort - Setting up camp in your living room or bedroom can actually help you
warm up this winter. According to Lifehack: Any type of tent will do; all you need to do is put a blanket over your
face to trap the air (although not so close as to suffocate you). Theres a reason canopy beds were designed, and its
not just for decorative purposes. These work well to keep the heat in your bed while you sleep.
Get physical - Dont use frigid temps as an excuse to hang around the house all day like an icicle. Get your heart
pumping and generate some body heat with a little physical activity. If you have a home gym, put your treadmill or
stationary bike to good use. Remember to close the door to seal in the rooms warm air. Even if you dont have athome exercise equipment, there are still many easy exercises you can perform. They range from jogging in place
and jumping jacks to simply organizing your kitchen. Not only does exercise warm you up, but the National
Institutes of Health says such an increase in body temperature helps immune system cells circulate more rapidly and
may help prevent bacteria from growing inside the body.
Get steamed up - Ever visit Florida during the summer? Then you can say with 100 percent certainty that humidity
makes air feel warmer. Bring a little of the Sunshine State into your home this winter by using a humidifier to add
moisture to bone-dry winter air. If you dont have a humidifier, youll need to improvise a bit. Keep the bathroom
door open while you enjoy a long, hot shower and let the steam work its wonders throughout your space.
Put your mind over matter - Meditation is another great way to keep the cold at bay this winter. Lifehack says that
even though you can feel the cold on your skin, you also can train your mind to better accept such sensations.
92

According to Lifehack: If you think youre cold, youll tense up and start to shiver, but if you actively concentrate
on changing your perception of that same feeling youre experiencing, youll begin to relax and gain control over
your body.
Cook up a storm - Your grandparents and great-grandparents knew a thing or two about staying warm in winter that
can still pay dividends today. According to Wise Bread: Generations ago, our heating system was our cooking
system. The wood-burning oven, coal stove or fireplace served the dual purpose of feeding the family and keeping
them warm. Wise Bread suggests lowering the heat whenever you cook. Also, try to cook when everyone is home
and can enjoy the added warmth. One caveat: Although it may be tempting, using an empty oven to generate heat
is inefficient and may pose serious safety risks, ranging from burns to carbon monoxide poisoning.
Chill out literally - Finally, if all of these methods fail to make you feel warm, it may be time to simply chill out
literally. Although it may seem counterintuitive, embracing the chilly weather can actually help you stay warm
during sweater season. People who spend a lot of time in the cold can actually acclimatize their bodies to deal better
with the chill, according to an article posted at Live Science. The way this happens is not fully understood, but may
have to do with a type of body fat called brown fat. While regular white body fat stores calories, brown fat consumes
calories and releases the energy as heat.
[Source: MoneyTalksNews | Melissa Neiman | December 8, 2015 ++]
*********************************

NORAD Santa Tracking Update 04

60th Anniversary

The North American Aerospace Defense Command is celebrating the 60th anniversary of tracking Santas Yuletide
journey. The NORAD Tracks Santa website http://www.noradsanta.org/, which launched 7 DEC, features Santas
North Pole Village, which includes a holiday countdown, games, activities, and more. The website is available in
eight languages: English, French, Spanish, German, Italian, Japanese, Portuguese and Chinese. Official NORAD
Tracks Santa apps also are available in the Windows, Apple and Google Play stores, so parents and children can
count down the days until Santas launch on their smartphones and tablets. Tracking opportunities also are offered
on Facebook, Twitter, YouTube, and Google Plus. Santa followers simply need to type @noradsanta into each
search engine to get started. This year, the website features the NORAD headquarters in the North Pole Village and
highlights of the program over the past 60 years.
Starting at 12:01 a.m. MST (2:01 a.m. EST) Dec. 24, website visitors can watch Santa make preparations for his
flight. NORADs Santa Cams will stream videos on the website as Santa makes his way over various locations.
Then, at 4 a.m. MST (6 a.m. EST), trackers worldwide can speak with a live phone operator to inquire as to Santas
whereabouts by dialing the toll-free number 1-877-Hi-NORAD (1-877-446-6723) or by sending an email to
noradtrackssanta@outlook.com. Any time on Dec. 24, Windows Phone users can ask Cortana for Santas location,
and OnStar subscribers can press the OnStar button in their vehicles to locate Santa. NORAD Tracks Santa is
possible, in large part, to the efforts and services of numerous program contributors, NORAD officials said.
[Source: North American Aerospace Defense Command News Release | December 7, 2015 ++]
*********************************

Insurance Hall of Shame

2015 Inductees

It's time to unveil the newest dishonorees of the Insurance Fraud Hall of Shame; the perpetrators of the year's most
brazen, vicious or just plain klutzy insurance misadventures. All of these extreme schemers were convicted or had
other legal closure in the last year. The No-Class of 2015 adds new extreme schemers to the pantheon of purloining
93

created by the Coalition Against Insurance Fraud. The newest moguls of mayhem blew up neighborhoods,
conducted painful quack surgery on healthy people and tried to kill puppies as part of their efforts to defraud
insurers. Recounting such real-life cases helps to shape public opinion against fraud and deter would-be fraudsters
while building greater societal intolerance of the crime. The shamers thus publicly brand insurance fraud as a
deviant crime and dead-end street. Their plots attract consumer attention in an era of extreme message overload.
Consumers are exposed to about 360 ads per day, receive 93 emails and spend 593 minutes a day on various media.
Typical social-media users also consume 285 pieces of content daily. That's 54,000 words, and as many as 1,000
clickable links plus about 443 minutes of video. Here are this year's entrants to the Hall of Shame.

Mark Leonard

Stuck with gambling habits and debts, Leonard wanted to burn down his home for a $300,000 insurance payday. He
botched the plot. The gasoline and escaping natural gas he built up exploded like a drone strike. The blast leveled
much of the Indianapolis subdivision, causing causing $5 million in damage. It was one of the most-violent
insurance arsons in U.S. history. Dion and Jennifer Longworth lived next door. Jennifer died when the second floor
pancaked, and Dion was burned alive in the basement. Dozens of other neighbors were injured. Leonard received
life without parole.

Mikhail Zemlyansky

Fraud fighters took down the largest no-fault auto scheme ever charged. It was an attempted $279 million thievery
from auto insurers. Zemlyansky's fraud cartel made dodgy injury claims involving real and phantom car wrecks in
the New York City area. Most operatives were of Russian descent. Among his gang members were 10 doctors and
three lawyers helping to run an archipelago of sham clinics. Patients were given rubber-stamped modality
treatments which included physical therapy or acupuncture, often up to five times a week for each patient.
Zemlyansky's gang also billed insurers for fake crashes. Personal injury lawyers sued insurers after coaching
patients on how to mimic symptoms of injuries. Most of his gang pleaded guilty. Zemlyansky awaits sentencing and
could receive a century in prison.

Gloria Lee

Bankrupt and needing cash, the Las Vegas pet-shop owner tried to burn alive 27 terrified puppies locked in their
cages. Incredibly, her own security cameras recorded the nighttime action. She teamed up with her dreadlocked
lover, Kirk Bills, who she let into the store via the back door according to the security footage. He spread gasoline
from red cans around the store and coated the locked cages full of cringing puppies. She tried to frame her
husband for the deed and file a $100,000 insurance claim. Luckily the fire fizzled. Lee received up to 14 years in
prison and Bills up to a decade.

Martin Pang

His business in Seattle was struggling, so Pang started a warehouse insurance blaze that killed four fire fighters.
Walter Kilgore, James Brown, Gregory Shoemaker and Randy Terlicker died when the floor collapsed and they were
thrown into the burning basement. Seven other fire fighters just managed to escape a similar fate. Pang then took
thievery to new heights. From inside the penitentiary he supposedly tried to steal the identities of the investigators in

94

his case, although he was not criminally charged. A court ruled in April that he must repay nearly $1 million to the
families of the fire fighters. Pang had earlier received 35 years in prison.

Jose Urena

An NYPD cop who took an oath to defend the law, instead routinely broke it in serial fashion. Driving a MercedesBenzes drained Urena's bank accounts, so he launched a spree of false auto claims. Among them: Urena lied that
someone had vandalized his leased ML350. He used the insurance money to repair pre-existing damage. Urena then
reported the car stolen the day before his lease expired. He had a cohort burn it, and cashed another insurance check
for phantom repairs.His next Mercedes proved too expensive so he rear-ended a U-Haul, trying to convince his
insurer to declare the car a total loss. A Dodge Charger came after that. Urena was involved in a crash and made an
inflated claim for pre-existing damage. He could spend up to three years in prison when sentenced.

Stephen Krawitz

Dozens of mostly elderly and low-income clients urgently needed insurance settlements that Krawitz had negotiated
for them, but the Manhattan personal-injury lawyer stole their money more than $1.9 million worth. One victim
was a 96-year-old great-grandmother who hurt her shoulder in a car crash. Krawitz also stole $65,000 from Robert
Rough, who was dying of cancer. A car crash left him with severe nerve damage in his hands, costing him his
business. Rough died without receiving any money. Meanwhile, Krawitz lived in a $2-million home and sent his
kids to private school. Krawitz will be schooled in a jail cell since he received up to 12 years in state prison.

Dr. Aria Sabit

Patients received useless and painful spinal surgeries so a neurosurgeon could steal $11 million from insurers. The
Detroit doctor convinced many patients to get spinal fusion surgeries they didn't need. Sabit did surgeries on nearly
everyone who walked into his clinic. The pain continued long after a bungled surgery for some patients. He also
sliced open and closed some patients without doing any repair work at all. Tonocca Scott must wear a back brace
with a DVD case taped inside to keep his spine straight. He can sit for only a few minutes and has placed his dream
of a computer-technology career on hold. A repeat offender, Sabit pulled a similar scam in California, where he
implanted unneeded devices and performed unnecessary surgery. Sabit could spend up to 11 years in federal prison
when sentenced.

Jose Lantigua

Vacationing in his native Venezuela proved fatal, at least according to Jose Lantigua's death certificate. He
supposedly died from an illness and was cremated there, except the Jacksonville, Florida, resident bribed
bureaucrats to issue forged death documents in a fumbled plot to fake his death for approximately $9 million in life
insurance. He sought a passport using a North Carolina driver license in the name of a postal worker whose identity
he had stolen. Lantigua's height, eyes, hair color and other identifiers were significantly different from Ernest Wills,
Lantigua's victim. The fraudster will spend up to 12 years in prison when sentenced.

Theresa Fisher & Lindsay Hardgraves

95

Fisher and Hardgraves ran a surgery center in Orange County, California. Insurers were billed $71 million, much of
it for uninsured plastic surgery charged as legitimate medical treatment. Over $50 million was paid to the women
before the fraudulent scheme was discovered. They bribed patients with tummy tucks, breast enlargements and
liposuction. The tradeoff: The patients underwent insured surgeries they didn't need endoscopies, colonoscopies
and others. Tummy tucks were billed as hernia operations. Nose jobs were deviated septums. Patients were also
coached on how to fake symptoms and foil insurers. Fisher received three years in federal prison and Hardgraves
five months.

William Worthy

More than 17,000 trusting consumers thought theyd bought legitimate health insurance only to find out it was fake.
The South Carolina-based Worthy erected a large network of fake health insurers geared solely to steal premiums. It
was one of the largest such scams in U.S. history. The ring stole up to $28 million in premiums, even fleecing
church pastors with a bogus insurance plan. Consumers were often left with huge medical bills they had to pay
themselves more than $7 million total. Worthy's unlicensed insurers routinely denied legitimate claims. He used
the customer premiums to support a princely lifestyle and will possibly spend decades in federal prison when
sentenced.

Pierre Collins

The Minneapolis-area man beat his 10-year-old son, Barway, to death and then duct-taped his body and tossed him
into the Mississippi River like cordwood for just $50,000 in life-insurance money. Collins had paid the premiums
just two days before Barway disappeared and he had also asked the insurer about raising the coverage on Barway
from $30,000 to $50,000. For Collins, that was the market price of a child's life. He owed child support for multiple
children and was unemployed. Cell-phone pings placed him near the spot where Barway's body was found. After
denying that he had nothing to do with his son's disappearance, he confessed earlier this year. Collins received 40
years in prison.
[Source: Property Casualty 360 | Dennis Jay | December 1, 2015 ++].
*********************************

Overseas Mail Custom Form

Online Availability

The United States Postal Service (USPS) is implementing a new online-only customs form for mailing overseas
packages that will soon replace the handwritten form customers are currently using. The new customs form allows
faster processing at the Postal Finance Counter and mitigates addressing mistakes through verification by USPS.
Customers can continue to use the older forms, but are encouraged to start using the new forms now. The new online
form is available on the USPS website https://cns.usps.com/cfo/ShippingInformationAction_input . Customers will
enter all information about the package being mailed online and then print out the form to bring with them to the
mailroom. Service members are encouraged to use the new system as they prepare to mail packages for the holidays.
For more on holiday shipping refer to http://www.military.com/benefits/veteran-benefits/military-guide-shippingpackages.html. [Source: Military.com | Military Report | November 30, 2015 ++]
*********************************

Travel Packing Tips Update 01

Fundamental Packing Strategies

96

Packing is pivotal. Forget an essential item and you're left disappointed and scrambling to find the nearest store in
your destination. Pack too much and you end up disorganized, burdened with heavy bags, and hemorrhaging money
to pay for pricey airline baggage fees. Here are 10 fundamental packing strategies that every traveler should learn
plus a few other thing you might want to consider.

1. Roll, don't fold. Many travel expertsincluding backpackers, who must stuff months' worth of clothing into a
pack the size of a box of wineagree that rolling is superior to folding. Tightly rolled clothes take up less space
than folded ones. Plus, they're less prone to getting deep wrinkles from fold creases.
2. Make a packing list. When it comes to packing, procrastinators fall short. Start your packing process days or
even weeks ahead of your departure date; this gives you time to craft a complete list, plus purchase any additional
items you might need for your vacation. Creating a packing list is a fail-safe way to ensure that you never, ever
forget to bring something important.
3. Know your airline's baggage-fee policy. Figuring out the airlines' tricky and befuddling baggage-fee policies is
key to any budget-minded packing strategy. While most airlines permit travelers to check at least one bag on
international flights, the majority of U.S. carriers charge big bucks for bags checked on domestic flights. Spirit
Airlinesthat notoriously customer-unfriendly discountereven charges as much as $100 for carry-on bags. Before
you begin packing, take a peek at your airline's website and read its baggage policy. This is something you might
even want to do prior to buying your plane ticket, especially if you're set on bringing a checked bag or two. Consider
flying on Southwest or JetBlue, both of which permit at least one free checked bag on domestic flights.
4. Follow the 3-1-1 rule. What happens if you don't follow the Transportation Security Administration's (TSA) 3-11 rule for carry-on luggage? Attempt to bring a large bottle of shampoo or a full-size gel deodorant through the
security line and the TSA will likely confiscate your stuff, holding you up in line in the process. So get familiar with
the agency's rules: All liquids brought onto planes must be in 3.4-ounce bottles or smaller and inside a single, clear,
quart-size zip-top bag. It also helps to know which items are, according to the TSA, considered liquids or gels and
thereby subject to the 3-1-1 rule. This isn't as simple as it sounds. Foods such as peanut butter, pudding, mashed
potatoes, and icing are classified as gels. Mascara, lip gloss, and aerosol items are also classified as liquids or gels.
But keep in mind that liquid prescription medication is exempt. (Read more on that on The TSA Blog.) See a more
complete list of liquids and gels that are not permitted in carry-on luggage in quantities greater than 3.4 ounces here.
5. Use your personal item wisely. It's standard for airlines to permit each traveler to bring one carry-on bag and
one personal item onboard planes. This personal item is subject to specific size requirements (these vary by airline),
but something like a purse, laptop bag, or backpack is generally acceptable. In Five Tips for Fitting it All in a Carryon Bag, Caroline Morse advises travelers to leverage their personal-item allowance, suggesting, "Forget wasting my
personal-item allowance with a tiny purse. I'll bring a larger tote bag that I can stash under the seat but will still give
me extra storage space. This will come in handy for keeping all of the things I'll need to be on hand during the flight
within arms' reach as well."

97

6. Wash your clothes on the road. If you know your accommodations will have free laundry facilities, you're
golden. You can wash and wear just a handful of outfits for the duration of even very long trips. If you're staying in a
hotel, call in advance to see if laundry services are available and how much they cost. Travelers staying in properties
without laundry facilities or taking cruisescruise lines are notorious for charging an arm and a pant leg for laundry
servicescan wash clothes in sinks and hang them to dry. Make sure to pack a travel-size packet of laundry
detergent and a sink stopper to clean clothes on the road. Portable laundry-drying lines that attach to showers via
suction cups are also a good choice; you can find them at many travel-supply stores.
7. Pack dual-purpose garments. If it's two-in-one, it's one less thing to pack. Dual-purpose items, such as pants
that turn into shorts or a jacket that turns into a travel pillow are worth their weight in airline baggage fees.
8. Layer. This advice is twofold: Wear layers and pack in layers. First, your on-the-road wardrobe should feature
plenty of layers, which will help you jetset through multiple climates in style and comfort. Second, the items in your
bag should be packed in neat layers for easy screening. According to the TSA, "Pack items in layers (shoes one
layer, clothes one layer, electronics one layer, etc.)" so that the security agent screening your bag can get a clear
picture of what's inside. The faster the TSA agent can screen your stuff, the faster you'll get through the security line.
9. Never check essential items. It's terribly important to keep your valuable and essential belongings in your carryon bag, not in your checked luggage. Your passport, identification, money, credit cards, jewelry, electronics, and
other valuables should always be brought onto the plane with you. If the airline loses your luggage (or if a TSA
agent gets sticky fingers), you'll regret stowing your expensive watch in a checked bag.
10. Use packing aids. Eagle Creek Compression Sacs can be used to shrivel your clothes into a vacuum-packed,
tiny, tight bundle that takes up minimal suitcase space. Other packing aids that can help you organize better and fit
more into your bag include packing envelopes and packing cubes.
11. A couple of other things you may want to consider:
a. Make room for some duct tape and a few binder clips. You never know when youll need a makeshift
clothesline, shampoo lid, purse handle, sandal strap, curtain rod, lint brush, hemming solution
b. Use your phones camera to take photos of all your emergency contact information. In the event your wallet
or passport is stolen, youll have all the information at your fingertips. Snap your passport, the backs of
credit cards for phone numbers, driver license details, health insurance cards, travel documents, etc. In an
emergency, youll be able to verify your identity, show proof of travel, and get in touch with people at a
moments notice.
c. Always carry a pen when you take an international flight. You will probably be asked to fill out a customs
form, and they often dont have pens on the plane or in the airport.
d. In your carry-on: water, snack, clean undies. No matter what form of transportation you are using to go
from point A to B, youll get thirsty and hungry. If you end up getting diverted to another airport, you can
sit around for hours and may have to return without deplaneing.
e. Peppermint essential oil is perfect for calming nerves for jittery fliers and great for headaches or potential
colds that may be coming (rub some on your temples and under the nose). It's also great for upset stomachs
that come with constant travel and eating new foods.
f. Sign up for a Virtual Private Network (VPN) service. It's cheap and easy and means that you can use public
WiFi on your own computer or phone for secure transactions such as banking and booking hotels online
with your credit card.
g. Bring fiber pills with you; it isn't always easy to make healthy food choices when traveling, so it's always
good to have backup . . . in case you're, you know, backed up.
[Source: USA Today | Caroline Costello| December 12, 2012 ++]
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Great Lakes

Things You Never Knew About the Lakes

Lake Superior is actually not a lake at all, but an inland sea.

All of the four other Great Lakes, plus three more the size of Lake Erie, would fit inside of Lake Superior.
Isle Royale is a massive island surrounded by Lake Superior. Within this island are several smaller lakes.
Yes, thats a lake on a lake.
Despite its massive size, Lake Superior is an extremely young formation by Earths standards (only 10,000
years old).
There is enough water in Lake Superior to submerge all of North and South America in 1 foot of water.
Lake Superior contains 3 quadrillion gallon of water (3,000,000,000,000,000). All five of the Great Lakes
combined contain 6 quadrillion gallons.
Contained within Lake Superior is a whopping 10% of the worlds fresh surface water.
Its estimated there are about 100 million lake trout in Lake Superior. Thats nearly one-fifth of the human
population of North America!
There are small outlets through which water leaves Lake Superior. It takes two centuries for all the water in
the lake to replace itself.
Lake Erie is the fourth-largest Great Lake in surface area, and the smallest in depth. Its the 11th largest
lake on the planet.
There is alleged to be a 30- to 40-foot-long monster in Lake Erie named Bessie. The earliest recorded
sighting goes back as early as 1793.
Water in Lake Erie replaces itself in only 2.6 years, which is notable considering the water in Lake Superior
takes two centuries.
The original publication of Dr. Seusss The Lorax contained the line, I hear things are just as bad up in
Lake Erie. Fourteen years later, the Ohio Sea Grant Program wrote to Seuss to make the case that
conditions had improved. He removed the line.
Not only is Lake Erie the smallest Great Lake when it comes to volume, but its surrounded by the most
industry. Seventeen metropolitan areas, each with populations of more than 50,000, border the Lake Erie
basin.
During the War of 1812, the U.S. beat the British in a naval battle called the Battle of Lake Erie, forcing
them to abandon Detroit.
The shoreline of all the Great Lakes combined equals nearly 44% of the circumference of the planet.
If not for the Straits of Mackinac, Lake Michigan and Lake Huron might be considered one lake.
Hydrologically speaking, they have the same mean water level and are considered one lake.
The Keystone State was one of the largest and most luxurious wooden steamships running during the Civil
War. In 1861, it disappeared. In 2013, it was found 30 miles northeast of Harrisville under 175 feet of
water.
Goderich Mine is the largest salt mine in the world. Part of it runs underneath Lake Huron, more than 500
meters underground.

99

Below Lake Huron, there are 9,000-year-old animal-herding structure used by prehistoric people from
when the water levels were significantly lower.
There are massive sinkholes in Lake Huron that have high amounts of sulfur and low amounts of oxygen,
almost replicating the conditions of Earths ancient oceans 3 million years ago. Unique ecosystems are
contained within them.
Lake Huron is the second largest among the Great Lakes, and the fifth largest in the world.
In size, Lake Michigan ranks third among the Great Lakes, and sixth among all freshwater lakes in the
world.
Lake Michigan is the only Great Lake that is entirely within the borders of the United States.
The largest fresh water sand dunes in the world line the shores of Lake Michigan.
Because water enters and exits Lake Michigan through the same path, it takes 77 years longer for the water
to replace itself than in Huron, despite their similarity in size and depth. (Lake Michigan: 99 years, Lake
Huron: 22 years)
Within Lake Michigan there is a triangle with a similar reputation to the Bermuda Triangle, where a large
amount of strange disappearances have occurred. There have also been alleged UFO sightings.
Singapore, is a ghost town on the shores of Lake Michigan that was buried under sand in 1871. Because of
severe weather conditions and a lack of resources due to the need to rebuild after the great Chicago fire, the
town was lost completely.
In the mid-19th century, Lake Michigan had a pirate problem. Their booty: timber. In fact, the demise of
Singapore is due in large part to the rapidly deforested area surrounding the town.
Jim Dreyer swam across Lake Michigan in 1998 (65 miles), and then in 2003, he swam the length of Lake
Michigan (422 miles).
Lake Michigan was the location of the first recorded Big Great Lakes disaster, in which a steamer
carrying 600 people collided with a schooner delivering timber to Chicago. Four hundred and fifty people
died.
Lake Ontario is the smallest of the Great Lakes in surface area, and second smallest in depth. Its the 14th
largest lake on the planet.
The province Ontario was named after the lake, and not vice versa.
In 1804, a Canadian warship, His Majestys Ship Speedy, sank in Lake Ontario. In 1990, wreck hunter Ed
Burtt manage to find it. Only, he isnt allowed to recover any artifacts until a government-approved site to
exhibit them is found. Hes still waiting.
Babe Ruth hit his first major league home run at Hanlans Point Stadium in Toronto. It landed in Lake
Ontario and is believed to still be there.
A lake on Saturns moon Titan is named after Lake Ontario. Its called Ontario Lacus.
[Source: BuzzFeed | Andrew Ziegler |August 2015 ++]
*********************************

Vision Test

Hidden Images 06

100

Sales Pitch

********************************

Brain Teaser

Word Similarities

See if you can figure out what these seven words all have in common?
1. Banana
2. Dresser
3. Grammar
4. Potato
5. Revive
6. Uneven
7. Assess
*********************************

Photos That Say it All

Losing A Friend

Wounded Soldier Discovers the body bag at his feet is that of his best friend

********************************
101

Most Creative Statues

Adelaide, Australia | Pigs

Rundle Mall Pigs

*********************************

Interesting Inventions

iPhone Lens

**********************************

Moments of US History

A Night at O'Reilly's Bar 1942

102

**********************************

Parking

Revenge Tactic #9 Against Inconsiderate Parkers

********************************

Have You Heard?

Babys First Medical Exam

A woman and a baby were in the doctor's examining room, waiting for the doctor to come in for the baby's first
exam. The doctor arrived, and examined the baby, checked his weight, and being a little concerned, asked if the baby
was breast-fed or bottle-fed
'Breast-fed,' she replied..
'Well, strip down to your waist,' the doctor ordered.
She did. He pinched her nipples, pressed, kneaded, and rubbed both breasts for a while in a very professional and
detailed examination. Motioning to her to get dressed, the doctor said, 'No wonder this baby is underweight. You
don't have any milk.'
I know, she said, I'm his Grandma, but Im glad I came.
*********************************
103

Have You Heard?

Keep off the grass

A nurse was on duty in the Emergency Room when a young woman with purple hair styled into a punk rocker
Mohawk, sporting a variety of tattoos, and wearing strange clothing, Entered . . .
It was quickly determined that the patient had acute appendicitis, so she was scheduled for immediate surgery.
When she was completely disrobed on the operating table, the staff noticed that her pubic hair had been dyed green
and above it there was a Tattoo that read . . .' Keep off the grass.'
Once the surgery was completed, the surgeon wrote a short note on the patient's dressing, which said Sorry . . . Had
to mow the lawn.
*********************************

Help!!!

Things that might make you say it (02)

**********************************

Brain Teaser Answer

Word Similarities

In all of the words listed, if you take the first letter, place it at the end of the word, and then spell the word
backwards, it will be the same word.
*********************************

104

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