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RAO Bulletin Update
15 August 2005

THIS BULLETIN UPDATE CONTAINS THE FOLLOWING ARTICLES:

== BRAC [13] …………………………… (Current round may be last)
== SBP DIC Offset [3] ………………….. (Sen. Werner opposed)
== VA Health Care Funding [1] …………. (Budget formula flawed)
== VA Vision Legislation ………………. (Expands coverage to 2nd eye)
== PTSD Assistance Programs …………. (Free counseling available)
== Tricare Pharmacy Rates Update [4] …. (New meds added to formulary)
== VA Malpractice or Wrongful Death …. (Two years to act under FCTA)
== Immunizations ………………………. (What you should have)
== Vet Disability Benefits Commission …. (Report could be detrimental
to vets)
== Military Compensation Review ………. (Military retirement system on
table)
== Military Lodging ……………………… (Facilities available to retirees)
== Low Income Vet Benefits ……………. (Disability not always a
prerequisite)
== VEAP Update [1] …………………….. (Can use up to 10 years after discharge)
== Dependents’ Educational Assistance … (Available to widows & their
kids)
== DFAS Overseas Direct Deposit ……… (IDD program)
== Fake Heroes …………………………… (Prosecution options proposed)
== VA Parkinson’s Disease Program ……. (1.5 million Americans affected)
== Tricare Catastrophic Cap [2] …………. (How it works)
== Medicare B Automatic Enrollment …... (How it works)
== Identity Theft Victim Action …………. (Timely action essential)
== Will Succession Plan …………………. (Who is your Executor)
== Postal Money Order Scam ……………. (How to check for counterfeit PMO)
== AFRC Shades of Green [3] …………… (End of summer specials)

NOTE: I an presently residing in the Philippines. Although my email
addee raoemo@sbcglobal.net is still good and you will see the Bulletin
being sent from that addee via my Mailing List Provider in Europe, I
must go on the web to access email sent to me at this addee. With no DSL
available to me at this location it is a lengthy and time consuming
process to open email sent to this addee. Until further notice request all
email be sent to me be via raoemo@mozcom.com.

BRAC UPDATE 13: Anthony Principi, Chairman of Base Realignment and
Closure Commission overseeing reductions in the number of military
facilities said in a San Diego press conference 5 AUG that there may never be
a repeat of the process known as BRAC after the current round, the
nation's fifth and first since 1995, and there certainly won't be one for
at least the next 10 years. He was in San Diego to get a first-hand
look at the Broadway Complex, home to the Navy's Southwest Regional
Administrative offices which last month, the commission voted 8-1 to consider
moving the complex to nearby Naval Station San Diego. A final
commission vote on that proposal will probably happen Aug. 23 or 24. The complex
is spread over eight city blocks and more than 500,000 square feet of
land. The city of San Diego and the Navy have had a nearly 20-year
understanding that the complex would be made available for redevelopment.
Principi and Commissioners James Hansen, Philip Coyle and James Bilbray
each said it was time to make that deal come true.

The city and developers have long envisioned a mix of retail shops,
offices and restaurants that would complement the North Embarcadero area
along the waterfront. When the commission finalizes its closure and
realignment recommendations, there will be few North County and San Diego
area facilities on the list. In North County, the Pentagon proposes
shifting 118 jobs from the Fallbrook Naval Weapons station to other
facilities either in this state or elsewhere, and cutting 144 jobs at Camp
Pendleton. In San Diego, the military brass has proposed transferring a
corpsman training program from the Balboa Naval Hospital to Texas,
shutting down a defense accounting office and eliminating 460 jobs at Naval
Base Coronado. Miramar Marine Corps Air Station would get 72 new jobs,
while 10 mine-sweeping ships and their 1,170 assigned personnel would
be transferred from Ingleside, Texas, to San Diego. The commission last
month did press the Marine Corps brass as to why it needed to keep its
downtown recruit depot adjacent to Lindbergh Field, but ultimately
agreed that it should not be shut down. Panel members were eyeing that
facility in light of an ongoing search for a new regional airport or
possible expansion of Lindbergh Field. Some county residents contend that
Miramar is the best site for a new airport because of its mid-county
location and easy freeway access. Principi said he did not envision Miramar
as a joint military-civilian air field. The commission must make its
recommendations to the president by 8 SEP. If he agrees, the
recommendations are forwarded to Congress, which then has 45 legislative days to
accept or reject the list in its entirety. If Congress rejects the
proposal, the president and commission could resubmit the list or prepare a
revised set of recommendations. [Source: North County Times Mark Walker
article 5 AUG 05]

SBP DIC OFFSET UPDATE 03: Sen. John Warner, Chairman of the Senate
Armed Services Committee, has filed an amendment to the FY2006 Senate
Defense Authorization Bill that would negate Sen. Bill Nelson's planned
amendment on the SBP-DIC offset and paid-up SBP. Known as a second degree
amendment, SA1598 would substitute language that directs the Veterans
Disability Commission to study the SBP-DIC offset issue and include
recommendations in their report to the President due next year. Warner's
language would block Nelson's proposal to end the unfair deduction of VA
survivor benefits from military SBP annuities when military service
causes an active duty or retired member's death. And it would effectively
delete language that would have moved up the effective date of paid-up
SBP to 1 OCT 05. The government provides two entitlements to military
survivors from different agencies - SBP from the Defense Department and
DIC from the Veterans Administration, but presently will not allow
these survivors to collect both benefits. DIC offsets the SBP benefit,
dollar for dollar, up to $993 a month. But survivors of federal civilian
retirees who are also veterans and die from a service connected cause
do receive both benefits. This is a clear inequity, which needs to be
fixed for 55,000 military survivors. An additional inequity is the
current 2008 effective date of paid-up SBP after 30 years participation.
That delayed effective date means that thousands of retirees who have
been paying into SBP since 1972 will have to pay up to 36 years of
premiums, and will end up paying one-third more premiums that members who
retired after 1978. [Source: MOAA Leg Up 12 AUG 05]

VA HEALTH CARE MANDATORY FUNDING UPDATE 01: Recent announcements that
the Department of Veterans Affairs had underestimated its fiscal 2005
and 2006 health care budgets by billions of dollars came as no surprise
to the four veterans’ service organizations that co-author The
Independent Budget. Senior leaders from the Veterans of Foreign Wars, AMVETS,
Disabled American Veterans and Paralyzed Veterans of America are telling
the administration and Congress that the VA’s funding formula was
flawed and The Independent Budget recommendations were far more realistic
than the administration’s. The budget shortfall is causing VA medical
centers and clinics to take drastic measures from now to the end of the
government’s fiscal year on 30 SEP. The VFW has alleged that some
facilities are shortening hours, not filling employee vacancies, or not
accepting new patients. Others are prescribing less expensive medications,
or have replaced expensive temporary staffs with less expensive, less
skilled employees. [Source: Armed Forces News 5 AUG 05]

VA VISION LEGISLATION: Rep. Tom Udall (D-NM), has announced he is
cosponsoring legislation that will enhance current disability benefits for
veterans with service-connected vision loss. This legislation will
bring vision-loss compensation in line with benefits paid for loss of use
of other paired organs. The Disabled Veterans Equity Act, H.R. 2963,
will provide increased disability compensation at 10% or greater vision
impairment in the second eye after a veteran has completely lost sight in
the first eye due to a service-connected injury. Potentially thousands
of vision-impaired veterans stand to benefit from this legislation.
Combat-related vision loss is an unfortunate consequence of service for
many veterans. Current law provides compensation for the
service-connected eye injury but withholds additional disability benefits for the
remaining eye until the veteran is completely blind. This same legislation
gives special consideration for other paired organs such as the ears
for which a veteran may receive additional disability compensation at 10%
or greater hearing loss in the second ear. Udall has been a member of
the House Committee on Veterans Affairs since 1999 and currently sits on
the Subcommittee on Disability and Memorial Affairs. [Source: New
Mexico e-Veterans News 10 AUG 05]

PTSD ASSISTANCE PROGRAMS: As a result of service experiences 10 to 20%
of veterans will subsequently develop post-traumatic stress disorder
(PTSD), a psychiatric disorder that occurs after a life-threatening
event, such as personal assault, natural disaster, or military combat. The
affects of PTSD can be debilitating with symptoms ranging from severe
nightmares and flashbacks to insomnia and increasing social isolation. In
recent years, the focus for the military has been on the rising
occurrences of combat-related disorders as more and more soldiers return from
war. It is common for soldiers to deal with post-combat depression,
insomnia, nightmares and family issues; however, it's the duration and
intensity that differentiate normal reactions from a diagnosis of PTSD.
According to clinical psychologists it's normal to be affected by combat.
However, when the nightmares become so vivid and horrible they wake the
soldier from sleep or the soldier develops a profound anger that the
symptoms become problematic. If these and other symptoms continue for six
months, PTSD is a strong possibility. To start the healing process,
psychiatrists recommend a variety of methods, such as relaxation
techniques, sleep strategies and, in some cases, medication. Each military
branch has programs for its servicemembers, and the Department of Veterans
Affairs offers free counseling sessions. For more information on PTSD or
VA assistance, refer to The National Center for Post-Traumatic Stress
Disorder (PTSD) website www.ncptsd.va.gov or contact the local military
mental health facility. [Source: Military.com Report 18 JUL 05]

VA MALPRACTICE OR WRONGFUL DEATH: Prior to 1946, Americans could not
sue the United States for personal injury or wrongful death caused by
employees of the federal government because the federal government had
immunity from civil suits. Victims of this negligence generally had to
rely on members of Congress to pass individual bills of relief.
However, after World War Two, as a direct response to the claim that citizens
were left with inadequate remedies against the federal government,
Congress passed the Federal Tort Claims Act (FTCA). When Veterans or
others sue the VA or any other agency of the Federal Government, they are
actually suing the United States of America. And once in Federal
District Court the claimant is known as the Plaintiff, and the United States
of America is known as the Defendant. Additionally, there are no
provisions for jury trials in the FTCA. Therefore, only a Federal Judge will
preside and decide the outcome of the case. When applied to the VA,
the FTCA provides relief for any injury or loss of property or death
caused by the negligent or wrongful act or omission of any VA employee
while acting within the scope of their employment including but not limited
to malpractice, neglect, physical or verbal patient abuse,
intimidation, exploitation, wrongful discharge from a VA Hospital, Domiciliary or
Nursing Home, or wrongful death while a Veteran is hospitalized or
receiving treatment or examinations provided by the VA, or while in a VA
vocational rehabilitation or compensated work therapy activity or program.

The statute of limitations for bringing a claim under the FTCA is two
years from the time a claimant learns of the injury's existence and
cause. However, before a filing a complaint in Federal District Court, the
FTCA requires that all claimants must first file an Administrative Tort
Claim against the VA by filing a Standard Form 95 at the VA facility
where the injury or death occurred. Once claimants state an amount in
damages on their filed standard Form 95 they cannot later ask for a
larger amount should it become necessary to file a lawsuit in Federal
District Court, unless the increased amount is based on newly discovered
evidence. After the claim is filed the VA has six months to dispose of the
claim (approve or deny the claim). If the VA does not dispose of the
claim within six months, their failure to act within this time period
with or without written notification also constitutes a denial.
Therefore, if an Administrative Tort Claim against the VA is denied, claimants
have six months to file suit in Federal District Court. After six
months, the claim is forever barred. Although there are no provisions for
punitive damages in the FTCA, according to Federal District Court
statistics in which Plaintiffs won, the median damage for medical
malpractice was $463,000. In 29% of those same cases, damages awarded were over
$1million, and in 9% awards exceeded $10 million. If you believe that
you have a valid claim against the VA, you should seek the advice of an
experienced Attorney, immediately. The FTCA provides a limitation on
Attorney fees for claimants of 20% in settlement and 25% once the case
is in litigation. [Source: New Mexico e-Veterans News 13 JUL 05 reprint
of 2003 article of Veterans Advocate Terry Richards]

IMMUNIZATIONS: August is recognized as National Immunization
Awareness Month. The Military Health System currently promotes the screening of
immunization status at every patient visit, and provides
age-appropriate immunization services. Beneficiaries can receive all necessary
vaccinations through military treatment facilities, TRICARE network and
non-network providers. Immunizations are important, regardless of age, sex,
race, ethnic background or country of origin. Recommended vaccinations
begin after birth and continue throughout life. By staying up-to-date
on your immunizations, you can protect yourself from life-threatening
conditions while also protecting your family, friends and community from
their spread. Children are particularly vulnerable to infection, which
is why they should be immunized by age six, with booster immunizations
given throughout life. Immunizations are not only important for your
child's health but also a requirement for school attendance. If you have
not scheduled your children an appointment for immunizations, you
should do so as soon as possible. For children and adolescents in the United
States, the following immunizations are considered routine. Not every
listed vaccine is recommended for everyone, however.
• Diphtheria, tetanus and pertussis (given together as DTaP)
• Haemophilus influenza type B (Hib, not the same as viral flu)
• Hepatitis A (HepA)
• Hepatitis B (HepB)
• Inactivated poliovirus (IPV)
• Influenza
• Measles, mumps and rubella (given together as MMR)
• Pneumococcal conjugate (PCV)
• Varicella (chicken pox)
If you are uncertain about your or your child's current immunization
status or need information on any immunization, you should talk to your
primary care physician. The following immunizations are considered
routine for adults living in the United States, again with the caveat that
not everyone needs to receive each of them:
• Hepatitis A (HepA)
• Hepatitis B (HepB)
• Influenza
• Measles, mumps and rubella (given together as MMR)
• Meningococcal polysaccharide
• Pneumococcal polysaccaride (PPV)
• Tetanus and diphtheria (given together as Td)
• Varicella (chicken pox)
Certain vaccines are recommended if you travel outside of the United
States. For example, individuals traveling to areas where Japanese
encephalitis occurs (this includes some parts of Okinawa) should receive the
JEV vaccination series. TRICARE provides age-appropriate vaccines
recommended and adopted by the Center for Disease Control and Prevention's
Advisory Committee on Immunizations Practices. The current routine
childhood and adolescent immunization schedule can be downloaded from
www.cdc.gov/nip/recs/child-schedule.PDF, and the current routine adult
immunization schedule can be found at
www.cdc.gov/nip/recs/adult-schedule-2page.pdf. [Source: Tricare Media Readiness Room AUG 05]

TRICARE PHARMACY RATES UPDATE 04: The Tricare Management Activity
(TMA) Director has approved the addition of 11 new medications to the
Tricare Uniform Formulary and shifting seven medications to non-formulary
status. The Uniform Formulary process involves the review of different
classifications of FDA-approved medications on the basis of their
clinical and cost effectiveness. After careful analysis, the Department of
Defense Pharmacy and Therapeutics (P&T) Committee recommends medications
for placement on the Uniform Formulary or to be non-formulary listings.
The P&T Committee is composed of physicians, pharmacists and
representatives from the Services and the Veterans Administration. The
Beneficiary Advisory Panel (BAP), whose membership includes representatives of
active duty families and retirees, civilian healthcare professionals,
and those supporting the healthcare benefit through contracts, comments
on the P&T Committee’s recommendations.

The medications affected by these changes are:
- Formulary additions: Levitra (PDE-5 Inhibitor); nystatin,
clotrimazole, ketoconazole, miconazole, Mentax, Naftin (Topical Antifungals); and
Rebif, Avonex, Copaxone, Betaseron (Multiple Sclerosis Disease
Modifying Drugs).
- Non-formulary additions include: Viagra, Cialis (PDE-5 Inhibitors);
and ciclopirox, econazole, Oxistat, Ertaczo, Exelderm (Topical
Antifungals). Formulary alternatives are available for these medications at a
copay of either $3 or $9.

Tricare beneficiaries will pay $22 for up to a 30- day or 90-day supply
for non-formulary medications, depending on whether they fill the
prescription at a Tricare Retail Network Pharmacy (TRRx) or through the
Tricare Mail Order Pharmacy (TMOP). Beneficiaries will pay the higher of
$22 or 20 percent in retail non-network pharmacies. The implementation
date of the $22 copayment for the topical antifungal medications is 17
AUG 05, and the implementation date for PDE-5 Inhibitors is 12 OCT 05.
Patients currently using the newly designated non-formulary medications
may wish to consult their doctor about formulary alternatives or if a
medical necessity is appropriate for them. If medical necessity is
established for using non-formulary medications, patients may qualify for
the $9 copayment for up to a 30-day TRRx supply or up to a 90-day TMOP
supply. Military treatment facilities (MTF) will no longer carry these
or other non-formulary medications on their local formularies.
Non-formulary medications may be available at MTFs only when medical necessity
is established and the prescription was written by a MTF provider.
Active duty members have no copays and, unless medical necessity is
established, they may not obtain non-formulary drugs. Medical necessity
forms are available on the TRICARE Pharmacy Web site at
www.tricare.osd.mil/pharmacy/medical-nonformulary.cfm. Procedures for completing and
submitting medical necessity information may be found on these forms.

Eligible beneficiaries can fill prescriptions for non-formulary and
covered medications through the TMOP and TRRx pharmacies. Beneficiaries
may reduce out-of-pocket expenses by filling prescriptions through the
TMOP where beneficiaries will receive up to a 90-day supply of medicine
for the same cost as a 30-day supply in the TRRx. For more information
about TMOP, eligible beneficiaries should visit the Express-Scripts
Inc. Web site at www.tricare.osd.mil/pharmacy/tmop_contact.cfm or call
(866) 363-8667. Beneficiaries can also contact the TRRx customer service
line at (866) 363-8779, or visit
www.tricare.osd.mil/pharmacy/trrx_contact.cfm. For additional information about various medications, their
availability and cost, beneficiaries can use the TRICARE Formulary Search
Tool at:
www.tricareformularysearch.org/dod/medicationcenter/default.aspx. [Source: TMA News Release 9 AUG 05]

VETERANS DISABILITY BENEFITS COMMISSION: The Veterans Disability
Benefits Commission was created through a provision in the 2004 Defense
Authorization Act. It held its first meetings in May and June during which
it took testimony from invited groups. The 13-member panel is tasked
with issuing its final report to Congress in AUG 06. Congress has
instructed the Commission to examine the appropriateness of:
* Compensation for disabled vets and survivors of vets who died from
causes related to military service.
* The level of such benefits.
* A standard for determining whether a disability or death of a veteran
should be compensated.

VFW and other veterans advocates are concerned that the commission
panel will attempt to roll back increases in benefits disabled vets and
dependents of deceased veterans have gained since 1999 by suggesting
current VA rating evaluations are too generous. The belief is that the
commission's goal is to cut future benefits and remove veterans from VA
compensation rolls. Some issues under review that would do this are:

- Changing the definition of when an active-duty service member is
actually on active duty. Last year Dr. David Chu, the Pentagon's
undersecretary for personnel and readiness, questioned whether active-duty GIs
who get hurt while participating in activities during their free
time--like weightlifting or other forms of physical training--should be
eligible for service- connected benefits.
- Consideration of a controversial proposal to offer lump-sum payments
to veterans with current disability ratings of 20% or less. Proposed by
VA's Inspector General (IG), the payments would disqualify disabled
vets from future compensation or appeals and supposedly allow Veterans
Benefits Administration (VBA) employees to concentrate on more complex
claims.
- Consideration of an IG suggestion during their June meetings that the
VBA review post-traumatic stress disorder (PTSD) and individual
unemployability claims for errors or evidence of fraud. The plan is for 10 VBA
staffers to review an initial batch of 2,100 cases before moving on to
the main task of inspecting 100,000 of those ratings.

VFW will be monitoring all of the commission's open meetings in order
to keep their membership informed of the Commission’s progress and
potential impact of their decisions. [VFW Magazine Tim Dyhouse article AUG
05]

MILITARY COMPENSATION REVIEW: President Bush has ordered the 10th
Quadrennial Review of Military Compensation, a study required by law every
four years on military pay and benefits. In a 2 AUG memo to Defense
Secretary Donald Rumsfeld, the Bush administration asked that the review
look at maintaining quality of life for experienced military personnel
while also considering ways to simplify and make more flexible today’s
complex pay structure. The White House also requested that the review
address possible changes to the military retirement system. Rumsfeld
already has chartered an independent review by a group of retired
officers and senior pay experts known as the Defense Advisory Committee on
Military Compensation (DACMC). This commission has spent the summer
studying current pay systems and is expected to start recommending possible
changes in late August or September. The commission is due to file its
full report early next year, in time for it to be reviewed by the
Quadrennial Review of Military Compensation (QRMC).

The 9th QRMC was conducted in 2000, at the end of the Clinton
administration. It recommended substantial increases in career enlisted pay,
recognizing that today’s enlisted force is more educated and plays a more
critical role in operations than enlisted members of earlier
generations. The 8th QRMC of 1996 resulted in changes to the pay table that
rewarded early promotion. Rumsfeld and his personnel advisors are interested
in looking at alternatives to the current military retirement system,
which allows troops to retire at 50% of basic pay after 20 years of
service but offers nothing for those who serve for shorter periods.
Rumsfeld also has said he considers the current pay system to be too complex.
In recent years, the Pentagon has favored pays that can be fine-tuned
to individual circumstances. Bush’s memo asked Rumsfeld to study the
potential for a substantial reduction or elimination of
community-specific continuation and career pays in favor of more flexible and effective
compensation alternatives. [Source: NavyTimes staff writer Vince
Crawley article 4 AUG 05]

MILITARY LODGING: Active duty and military retirees can check on the
availability of Army billeting at military facilities anywhere in the
world through one toll-free call. The toll-free number (800) 462-7691
connects callers with a central reservation system that can provide
information on availability’s and book rooms. Navy Lodge guests can reserve
rooms by logging onto NEXCOM’s Website www.navy-nex.com. Guests can
reserve a room or change, cancel, or confirm a reservation by accessing
the Navy Lodge online registration link on the Website. The request is
sent to the Navy Lodge Program’s Central Reservation Center (CRC) in
Jacksonville, Fla., for processing. Guests should receive an e-mail
confirmation on any change made within 24 hours. If no confirmation number is
given, guests can call the CRC at 1-800-NAVY-INN. Internet reservations
cannot be made, changed, or canceled later than two days prior to the
arrival date. For more information, visit http://www.navy-nex.com/ or
telephone 1-800-NAVY-INN and speak with the customer service
representative. Personnel can also check on the availability of billeting and make
reservations at Air Force facilities worldwide at (800) 235-6343. A
military Bed & Breakfast Club is available for a fee at (703) 525-3372 or
retrveille@aol.com [refer to Bulletin article].

The Armed Forces Vacation Club (AFVC) is a space available program
offering Department of Defense affiliated personnel the opportunity to
take affordable vacations at resorts. The AFVC makes this possible by
utilizing available inventory at timeshare resorts through RCI (Resort
Condominiums International, LLC). This program allows active duty and
retired military personnel the option to rent a vacation condo either in
seven day increments or choose to stay for one night or more. Resort
properties are available in the U.S. and Canada in daily and weekly
increments. Nightly Getaway rates start as low as $75 during peak season;
with peak period weekly rates as low as $199. Rentals come in a variety
of sizes: one bedroom and larger condos, studios and cottages. Many of
the vacation properties come with fully equipped kitchen, washer and
dryer, living room, dining area, swimming pool, hot tub, fitness center
and handicapped accessibility features. To make any AFVC reservation,
members will need their AFVC installation identification number
obtainable from one following offices, depending on the military installation:
MWR (Moral, Welfare & Recreation), ITT (Information, Tours & Tickets or
Information, Tours & Travel) and ITR (Information, Tours & Recreation).
Nightly Getaway reservations must be made within 60 days of travel.
Weekly rentals can be made up to 12 months in advance, based on
availability. For Nightly Getaway reservations call 1-888-338-0970. For weekly
reservations call 1-800-724-9988 or go to www.afvclub.com.

You can choose from a variety of Bed & Breakfasts, Guest Homes,
Inns and Lodges in the Colorado Springs and surrounding areas at
www.coloradorandr.com/ or the Pikes Peak area at
http://pikespeakareabnbs.com/. Armed Forces Recreation Centers (AFRC)
can also offer excellent accommodations in scenic areas. Check out:
1. AFRC Seward AK http://143.213.12.254/mwr/seward.htm Tel: (800)
770-1858 /(907) 384-3474/(907) 384-0248Fax
2. AFRC Europe http://trol.redstone.army.mil/mwr/afrcs/index.html or
vacation@afrs.garmisch.army.mil
<mailto:vacation@afrs.garmisch.army.mil> Tel: 011-49-8051-803172/803158F
3. AFRC HI "Hale Koa Hotel" information@halekoa.com
<mailto:information@halekoa.com> Tel: (800) 367-6027/425-3329F
4. AFRC Keystone CO "Rocky Mountain Blue" www.rockymountainblue.com
5. AFRC Korea "Dragon Hill" www.dragonhilllodge.com Tel:
011-822-790-0016/792-0036F
6. AFRC Orlando FL - Shades of Green Resort Tel: (407) 824-3600/3665F
7. AFRC Tokyo "New Sanno Hotel" www.thenewsanno.com
[Source: Various AUG 05]

LOW INCOME VET BENEFITS: Low Income disabled and senior citizen
veterans have a number of VA, Social Security, and in many areas of the
country city & state benefits available to them. Vets should check with VA,
SSA, and their local County Social Services Office for eligibility.
Although not all inclusive some of these follow:

1. Low Income Veterans age 65 and over who earn less than $846 per
month from Social Security, Widow, or Retirement Income or Disability
Insurance or from any other source, and who were in the service 90 days or
more of which at least one day was during a period of War (regardless
whether they were actually in a combat zone or not) are entitled to VA's
non-service connected disability pension (NSCP). Federal Veterans Law
states that for the purposes of the Non-Service Connected Pension,
Veterans age 65 and over are considered "automatically disabled" and unable
to perform a "substantial gainful occupation" even if they are not
actually disabled. This pension is not payable to those who have assets
that can be used to provide adequate maintenance. There is also a limit
on cash assets that does not include the home in which they reside,
furniture, or one vehicle they drive. Veterans should contact the Veterans
Service Officer of their choice to see if they qualify.

2. If a Veteran 65 and over does not qualify for VA's NSCP and his or
her income from Social Security Widow or Retirement or Disability
Income or any other source, is less than $599 per month, and has less than
$2,000 in cash assets, then he or she is automatically eligible for
additional Income from SSI which currently pays $599 per month. They are
also eligible for Medicaid. For example if a Senior is receiving
$450 from Social Security they would be eligible for another $149 from
SSI. Plus their State may also pay for their Medicare monthly
payments. These benefits also apply to non-Veterans who meet the same
criteria.

3. In Florida, Veterans receiving Social Security Widow or Retirement
Income or Disability Insurance whose total income is less than
approximately $1068 per month for a single person, and whose total cash assets
are less than approximately $3000, the state states will pay their
monthly "Medicare" payment for them. More income is permitted if
married... This benefit also applies to non-Veterans who meet the same criteria.

4. The State of Florida Office of the Public Counsel will give a
Credit directly to your Local Telephone Service Company of about $13.50 per
month for any Low Income Seniors and Low Income Disabled Persons of any
age on SSDI or SSI. To apply for "LIFE-LINE" call toll free 1(800)
540-7039.

5. Low-Income Veterans who live in Florida and who earn under $846
per month and are not eligible for the NSCP, may also be eligible for
help with their monthly Electric and/or Gas bills through their County
Social Services Office. There are also Private Non-Profit Organizations
that will assist Low-Income Disabled Persons and Seniors with up to $75
once a year for their Gas or Electric bills. This benefit also applies
to non-Veterans who meet the same criteria.

6. Veterans under 65 year-old even if they are receiving Social
Security Widow or Retirement Income, are still eligible for Social Security
Disability Insurance (SSDI) which pays approximately $300 more per
month than Social Security Widow or Retirement Income. Veterans in this
category who cannot perform "Substantial Gainful Activity" due to a
Physical or Mental Disability should apply for SSDI directly with the SSA or
through an Attorney. This benefit also applies to non-Veterans who
meet the same criteria.

7. Low-Income Veterans whether Disabled or not who do not have a
Motor Vehicle and who live in Pinellas County, Florida, may be eligible for
a Monthly Bus Pass costing only $4.25 per month through GPTMS. The
phone number is (727) 545-2100. Similar Programs may be available in
other Florida Counties and other States. This benefit applies to
non-Veterans who meet the same criteria.
[Source: Independent Veterans Advocate Terry Richards
veteranscorner@yahoo.com AUG 05]

VEAP UPDATE 01: The Veterans’ Educational Assistance Program (VEAP) is
available if you elected to make contributions from your military pay
to participate in this education benefit program. Your contributions are
matched on a $2 for $1 basis by the Government. You may use these
benefits for degree, certificate, correspondence, apprenticeship/on-the-job
training programs, and vocational flight training programs. In certain
circumstances, remedial, deficiency, and refresher training may also be
available. Benefit entitlement is 1 to 36 months depending on the
number of monthly contributions. You have 10 years from your release from
active duty to use VEAP benefits. If there is entitlement not used after
the 10-year period, your portion remaining in the fund will be
automatically refunded. To qualify, you must meet all of the following
requirements:
• Entered service for the first time between January 1, 1977, and June
30, 1985;
• Opened a contribution account before April 1, 1987;
• Voluntarily contributed from $25 to $2700;
• Completed your first period of service; and
• Were discharged or released from service under conditions other than
dishonorable.
If you are currently on active duty and wish to receive VEAP benefits,
you must have at least 3 months of contributions available.
Contributions may be withdrawn if you do not meet the basic eligibility
requirements or if you formally request a refund of the contributions withheld.
To apply make sure that your selected program is approved for VA
training. If you are not clear on this point, VA will inform you and the
school or company about the requirements. Obtain and complete VA Form
22-5490, Application for Survivors' and Dependents' Educational Assistance
which can be downloaded at www.militaryconnections.com/pdf/22-5490.pdf .
Send it to the VA regional office with jurisdiction over the State
where you will train. If you are not on active duty, send copy 4 (Member
Copy) of your DD Form 214, Certificate of Release or Discharge From
Active Duty. If you are on active duty, you must have your enrollment
approved by your base Education Services Officer, and you must have your
service verified by your Commanding Officer. If you have started training,
take your application and Member Copy of DD Form 214 to your school or
employer. The DD-214 cannot be downloaded, viewed, or even requested
online. Federal law requires that all requests for Veterans' records and
information be submitted in writing. Also,ask them to complete VA Form
22-1999, Enrollment Certification, and send all the forms to VA. If
you wish to withdraw your contributions from VEAP, obtain and complete VA
Form 24-5281. Application for Refund of Educational Contributions, and
send it to your nearest VA regional office. [Source: Military
Connections www.militaryconnections.com AUG 05]

DEPENDENTS’ EDUCATIONAL ASSISTANCE: Dependents’ Educational Assistance
provides education and training opportunities to eligible dependents of
certain veterans. The program offers up to 45 months of education
benefits. These benefits may be used for degree and certificate programs,
apprenticeship, and on-the-job training. If you are a spouse, you may
take a correspondence course. Remedial, deficiency, and refresher courses
may be approved under certain circumstances. You must be the son,
daughter, or spouse of the following to be eligible for this VA benefit:
• A veteran who died or is permanently and totally disabled as the
result of a service-connected disability. The disability must arise out of
active service in the Armed Forces.
• A veteran who died from any cause while such service-connected
disability was in existence.
• A servicemember missing in action or captured in line of duty by a
hostile force.
• A servicemember forcibly detained or interned in line of duty by a
foreign government or power.

If you are a son or daughter and wish to receive benefits for attending
school or job training, you must be between the ages of 18 and 26. In
certain instances, it is possible to begin before age 18 and to continue
after age 26. Marriage is not a bar to this benefit. If you are in the
Armed Forces, you may not receive this benefit while on active duty. To
pursue training after military service, your discharge must not be
under dishonorable conditions. VA can extend your period of eligibility by
the number of months and days equal to the time spent on active duty.
This extension cannot go beyond your 31st birthday. If you are a spouse,
benefits end 10 years from the date VA finds you eligible or from the
date of death of the veteran. To apply first ensure that your selected
program is approved for VA training. If you are not clear on this
point, VA will inform you and the school or company about the requirements.
Obtain and complete VA Form 22-5490, Application for Survivors' and
Dependents' Educational Assistance which can be downloaded at
www.militaryconnections.com/pdf/22-5490.pdf . Send it to the VA regional office
with jurisdiction over the State where you will train. If you are a son or
daughter, under legal age, a parent or guardian must sign the
application. If you have started training, take your application to your school
or employer. Ask them to complete VA Form 22-1999, Enrollment
Certification, and send both forms to VA. [Source: Military Connections
www.militaryconnections.com AUG 05]

DFAS OVERSEAS DIRECT DEPOSIT: U.S. military retirees and annuitants
living in certain overseas locations can have their monthly payments sent
directly to their local banks through the Defense Finance and
Accounting Services’ (DFAS) International Direct Deposit program. The first
phase of the program began 1 AUG 05 when enrollment packages were mailed to
retirees and annuitants living in the United Kingdom, Australia,
Canada, France, and Germany. DFAS has been working with the Treasury
Department, the Federal Reserve Bank and the State Department to make sure
each of their customers that enrolls will be able to enjoy the convenience
and security of direct deposit. International Direct Deposit (IDD)
will electronically deposit funds into an individual’s bank account on the
day they are paid. Enrollees will avoid delays caused by regular mail
service as well as those experienced by misrouted or stolen checks.

In addition to the timeliness and security of delivery, retirees and
annuitants can see real savings by bypassing the need to cash their
checks and convert dollars to their local currencies. For those who already
have their checks deposited in a U.S. bank, using IDD can save them the
costs of wire transfers. Each enrollment package will include the
necessary instructions, form and return envelope to begin requests for IDD
service. DFAS Retired and Annuitant Pay Service officials urge each
enrollee to make sure the form is accurately completed and signed.
Incomplete or wrong bank account numbers, names or addresses will require
sending the form back and delaying the process. Customers need to ensure
that the name used in an individual’s bank account matches the name on
their DFAS pay account. Otherwise, it may be misrouted once it is
received by the bank. While the first phase of the program consists of only
five countries, DFAS officials plan to add more than 35 nations to the
list soon. More information on DFAS’ International Direct Deposit
program, as well as plans for future expansion can be found on the Internet
at www.dod.mil/dfas. [Source: Air Force Retiree News 21 JUL 05]

FAKE HEROES: Rep. John Salazar (D-CO) has introduced “The Stolen Valor
Act of 2005” (H.R. 3352), which would authorize authorities to
prosecute individuals who falsely claim to rate military decorations, medals,
or badges. At present it is against the law to wear, manufacture, buy,
sell, or trade the Medal of Honor, but it is not illegal to display the
country's highest award for bravery during combat. It is also not
illegal to wear any of the other medals covered under the legislation. The
bill would close a loophole in the law that currently only allows
prosecution against a person who actually wears an unauthorized medal. The
bill would set fines and imprisonment of up to six months, or both, for
anybody who falsely claims verbally or in writing to have been awarded
a decoration or medal authorized by Congress for the armed forces.
Unauthorized ribbons, buttons and rosettes are included in the bill. Fines
would rise and maximum prison terms would be doubled to one year for
offenders who falsely claim to have earned a Distinguished Service Cross,
Air Force Cross, Navy Cross, Silver Star or Purple Heart. The Stolen
Valor Act currently has 48 co-sponsors in Congress. [Source: Armed Forces
News 5 AUG 05 ++]

VA PARKINSON’S DISEASE PROGRAM: In 2001, the Department of Veteran’s
Affairs (VA) created six Parkinson’s Disease, Research, Education and
Clinical Centers (PADRECCs) in an effort to improve care for veterans with
Parkinson’s disease (PD) and other movement disorders. The Centers are
located in Portland/Seattle, San Francisco, West Los Angeles, Houston,
Richmond, and Philadelphia. These specialty centers are composed of
internationally known neurologists, neurosurgeons, nurses, researchers and
educators who are experts in Parkinson’s disease care. PD is a
neurological disorder or disorder of the brain. Symptoms often include tremor
that occurs during rest, limbs that are stiff, gait or balance problems,
and slowness of movement. Although the exact cause of PD is unknown, it
is linked to a chemical in the brain called dopamine. Dopamine plays a
crucial role in producing smooth, controlled movements of the body.
Today PD affects as many as 1.5 million Americans. The PADRECCs have three
missions:

• Clinical Care and Treatment: Provide comprehensive patient
care by addressing every aspect of PD. Our Parkinson’s disease treatment
team provides a thorough assessment of symptoms, mental health issues,
rehabilitative concerns, medication management and surgical options.
• Education and Support: Through educational program and
materials, its mission is to raise PD awareness across the United States.
Centers offer educational opportunities for patients, family members,
healthcare providers, and the general public. Support groups and community
outreach programs also play an important role in the educational
mission.
• Research and Discovery: The key to discovering new ways to
control or delay PD is by testing new therapies. They are dedicated to
developing new treatments that control the symptoms of PD and find its
cure.

A component of the PADRECC is the National VA Parkinson’s Disease
Consortium. The Consortium was established by the VHA’s National
Neurology Director in an effort to magnify the impact of the PADRECCS. This
program is designed to complement the PADRECCs in their mission to reach
and serve the approximately 60,000 veterans diagnosed with PD. The
Consortium was developed to network nationally dispersed VA clinicians who
possess expertise or interest in PD related fields. Members include
movement disorders specialists, neurologists, geriatricians, primary care
providers, and multidisciplinary clinicians. If you or a veteran that
you know suffers from Parkinson’s disease, you should contact your local
PADRECC at:

Northwest PADRECC: Portland: (503) 721-1091 or Seattle: (206) 277-4560
San Francisco PADRECC: (415) 379-5530
Southwest (West Los Angeles) PADRECC: (310)478-3711x48001
Houston PADRECC: (713) 794-7841
Southeast PADRECC (Richmond): (804) 675-5931 or (800) 784-8381 x5931
Philadelphia PADRECC: (215) 823-5934 (888) 959-2323
[Source: New Mexico e-Veterans News 8 JUL 05]

TRICARE CATASTROPHIC CAP UPDATE [2]: Numerous studies show that people
have a tendency to overuse free and unrestricted medical services. To
discourage the costs to the government of doctor bills for every runny
nose and pimple, yearly out of pocket costs for beneficiaries were
included when Congress created CHAMPUS, the forerunner of Tricare, in 1966.
Deductibles and copays (i.e cost shares) vary depending on which
Tricare program you use and your military status of active duty or retiree.
However, you are not required to pay annually over the cap of $1000 per
active duty family or $3000 per retiree family. When a Tricare claim
is processed, the processing contractor assigns a “value” to each
medical service. All insurers do this whether Tricare, Medicare, or
commercial. The amount usually is based on historical records of amounts
providers have charged for each medical service in the recent past, together
with other factors such as income differentials in various parts of the
country or world, and even between rural and urban places in the same
geographic area. The lowest sets of values are for Puerto Rico which
are those currently in use for the Philippines. Additionally, Tricare
has adjustment factors included that are found in Medicare law.
Commercial insurers do not have to account for these factors.

Under Tricare the final figure is called the amount “allowed”. It is
most always less than the provider billed. Tricare bases its payments on
the amount allowed vice the amount billed. The formula used is: amount
allowed minus unsatisfied deductible minus cost share equals amount of
payment. It’s the same formula used by most fee-for-service commercial
insurers. For retirees, retiree family members and survivors, the
patients cost share is 25% and the annual deductible is $150 per family
member or $300 per family. Claims processors maintain a running total of
the amounts each family member, and the family collectively, pay in
deductibles and cost shares during each fiscal year, which runs 1 OCT thru
30 SEP. When an individual’s deductible total reaches $150, that family
member will not be assessed any more deductibles during the fiscal
year. When a family, regardless of size, or individual reaches the
catastrophic cap amount, no more deductibles or cost shares will be charged for
the rest of the fiscal year. All out-of-pocket expenses for covered
Tricare services, including pharmacy cost shares, count towards the cap.
Tricare will pay 100% the amount allowed through midnight 30 SEP, the
end of the fiscal year. At midnight, each family’s catastrophic account
reverts to zero., and deductible and cost share amounts begin to
accumulate toward the new years catastrophic cap. [Source: Navy Times James
Hamby article 6 JUN 05]

MEDICARE B AUTOMATIC ENROLLMENT: Unless you were determined by
Medicare to be disabled and incapable of self-support and received Social
Security disability payments for at least two years at some time in your
life you cannot have Medicare coverage until you turn age 65. If in
doubt as to your status, call SSA to confirm. Most Americans become
eligible for Medicare on the first day of the month in which they have their
65th birthday. At that time a person who is eligible for Social
Security automatically is enrolled in Medicare Part A & B. Two or three
weeks before the first day of the month in which you turn 65 Medicare will
send you an ID card showing you to be eligible for both Parts A & B.
Part A is free but there is a monthly fee for Part B. The letter will
include a card you may use to opt out of Part B. If you do you will lose
your Tricare eligibility on the first day of your birth month. If you
don’t, you will automatically be covered by Tricare For Life (TFL).

Under TFL you will go to the Medicare medical provider of your choice
unless you reside outside of the United States where there is no
Medicare coverage. The provider will file a claim for your care with Medicare
which will pay 80% to the provider after the Medicare annual
deductible, when applicable. Medicare will then automatically forward the claim
to Tricare who will pay the remainder of the Medicare claim. There is
no copay or deducible obligation to you once Medicare pays. Thus, for
most medical care you will have no out-of-pocket charges to pay for the
rest of your life other than the monthly Part B premium. If you are
receiving Social Security payments this premium will be automatically
deducted from those payments. If not, you will be required to pay
quarterly in advance your Part B premiums. If you live outside the United
States to continue Tricare coverage you will be required to pay the
Medicare Part B premiums plus for all medical care received a 25% copay and
annual $150 deductible per person or $300 per family. After a person
is fully retired if they have other health insurance (OHI) other than a
Tricare Supplemental policy Medicare becomes the primary payer, the OHI
becomes the secondary payer, and Tricare is the last payer. Thus
claims will be forward automatically to the OHI on file by Medicare and not
Tricare. If there is any balance left to be paid after the OHI pays
its potion you will have to forward the claim to Tricare to cover the
remaining portion. [Source: Navy Times James Hamby article 13 JUN 05 ++]

IDENTITY THEFT VICTIM ACTION: Identity theft is considered to be the
fastest growing crime in America. According to the Federal Trade
Commission, the number of identity theft incidents reached 9.9 million in
2003. If you suspect that you have been a victim of this damaging crime, it
is important to take action right away. A few weeks could be the
difference between a simple credit card fraud and an all out identity attack.
If you receive a bill for something you or your family obviously did
not charge take the following immediate actions:

Step 1 - 10 minutes: Call the creditor to notify them of the fraud
right away. The creditor should reverse the fraudulent charges and lock
your account. You should have photocopies of your credit cards and credit
contact numbers stored in a safe place just for this kind of emergency.
Be sure to record the times, dates and names of the people you contact
in a log for future reference. An excellent Creditor Contact Worksheet
is available at
https://www.truecredit.com/help/learnCenter/fightingIDTheftWS.jsp?mn=50275popup=true for
use in keeping track of your contacts. A copy is also available as TAB
5 of the RAO Bulletin.

Step 2 - 10 minutes: Your next step is to contact the credit reporting
agencies to report the crime and request that a 90-day fraud alert is
placed on your credit report. You only need to contact one of the three
bureaus have fraud alerts placed on all three of your credit reports.
Contact information for the credit bureaus is:
Experian: 1-888-EXPERIAN (397-3742); www.experian.com
TransUnion: 1-800-680-7289; www.transunion.com
Equifax: 1-800-525-6285; www.equifax.com
This 90-day alert will notify creditors that you may be a victim of
fraud and advise them to verify your identity before opening any new
accounts. This alert also entitles you to a free credit report from each
bureau for your review. Fraud resolution experts with the credit reporting
agencies can also help you check your credit data for other signs of
identity theft and can help you restore your account security. Don't
forget to record the results of your contacts in your identity theft log.

Step 3 - 10 minutes: Your last ten minutes should be spent on the
Federal Trade Commission's Web site
http://www.ftc.gov/bcp/conline/pubs/credit/affidavit.pdf filling out an
ID theft affidavit. A copy is also available as TAB 6 of the RAO
Bulletin. Once you complete this affidavit worksheet, you can use it to
report fraud to creditors and can keep it in your records for future
reference. If your identity theft goes beyond credit card fraud, you should
also contact your local law enforcement agency to file a police report.
Add copies of your affidavit and police report to your identity theft
log and store these documents in a safe place. How quickly you spot and
report identity theft can make all the difference.

After 30-60 days, check your credit reports and financial accounts
again to see if there are any new signs of identity theft or records
that still need to be removed. Print and complete a new version of your
fraud worksheet and keep it in a safe place with your other fraud
resolution records. Don't let a thief steal your credit again. Purchase a
cross cutting shredder to destroy sensitive documents before throwing them
away. Install a locking mailbox and keep a close eye on your account
statements for signs of new fraud. One of the best ways to guard against
fraud is to sign up for a credit monitoring service. Most services
include Identity Theft Insurance, so you know you're covered. [Source:
TrueCredit Newsletter AUG 05]

WILL SUCCESSION PLAN: Its unavoidable. You are going to die sometime.
To make it easier for your survivors you should have a will of some
type. In your will, you should name an executor to act as quarterback for
your estate. In some states, an executor is known as an administrator
or personal representative. After your death, it will be up to your
executor to inventory your possessions, pay bills, file tax returns, and
make sure your assets are distributed according to your instructions.
Therefore, you should give careful thought to choosing an executor. You
might not want to name your spouse as an executor because he or she
probably will be too upset to act effectively. A grown son or daughter
might be a better choice. If that's not practical, you can name a
professional advisor, such as an accountant or an attorney. For professionals,
a fee schedule should be worked out in advance. Whomever you choose as
your executor, make sure you get his or her consent to serve before
naming someone in your will. You should line up a backup executor, too, in
case your original selection becomes unable to serve. Then, go over
everything with your executor. Your executor should know what your assets
are and where the paperwork can be found. [Source: New Mexico
e-Veterans News 29 JUL 05]

POSTAL MONEY ORDER SCAM: Postal Money Orders (PMO) are often requested
and used for payments by mail. They are generally accepted as safe
because of their security features that help distinguish between real and
counterfeit notes. However, foreign scammers are now counterfeiting US
Postal Money Orders. According to U.S. Postal Inspector Larry Dziomba,
hundreds of thousands of dollars worth of bogus US Postal Money Orders
have been sent from overseas in recent months. A typical scam is for
someone overseas to contact you and request you cash their U.S. money
order for them since they cannot do it overseas. In exchange you can
keep a portion of the funds and return the balance to them by mail. If
you receive a money order you can determine if it is an official one by
holding it up to the light to view the Ben Franklin images (watermarks)
repeated on the left side (top to bottom) and a dark security thread
running (top to bottom) to the right of the Franklin watermark, with the
tiny letters “USPS” facing backward and forward. If either of these
security features is not present you are holding a fraudulent Postal Money
Order. Also be aware that:
-- Denominations are indicated on two locations.
-- Discoloration of the denomination amounts indicates erasure
(fraudulent).
-- Maximum value for domestic postal money orders is $1,000
-- Maximum value for international postal money orders is $700.
If you have questions about accepting Postal Money Orders, call your
nearest U.S. Postal Inspection Service Office or Post Office. If you
think you have received a counterfeit PMO call the fraud hotline at 1(800)
372-8347 (M-F) or visit www.usps.com/postalinspectors for additional
information. [Source: www.scambusters.org & www.usps.com AUG 05]

AFRC SHADES OF GREEN UPDATE [3]: The Shades of Green at Walt Disney
World Resort in Orlando FL has announced 2005 end of summer specials
available from 7 AUG through 30 SEP. Members of the military community,
including retired members, are eligible for package deals designed for
whatever type of vacation they are seeking. With the Fun & Sun Package,
guests enjoy superb accommodations with complimentary breakfast daily at
the Garden Gallery Restaurant. This 5 to 8 night package is based on
double occupancy. Prices start at $399 (for two adults) for Category 1
guests and $499 (for two adults) for Category 2 and 3 guests. The
Ultimate Access VIP Package is $749 per person, based on double occupancy.
It's a six day, five night stay at Shades of Green and a lot of
scheduled activities. Resort officials indicated that Shades of Green guests
have exclusive access to discounted theme park tickets, reduced rates at
Disney's PGA professional golf courses, Extra Magic Hours at the parks,
and much more. To book one of the End of Summer Specials, call the
Shades of Green Reservations M-F from 0800-1700 EST at (888) 593-2242.
Additional information is available at
www.shadesofgreen.org/funandsun.htm. [Source: Air Force Retiree News 5 JUL 05]

Lt. James "EMO" Tichacek, USN (Ret)
Director, Retiree Assistance Office, VITA & U.S. Embassy Warden Baguio
City RP
PSC 517 Box RCB, FPO AP 96517-1000
Tel: (74) 442-7135 (RP) FAX to email service 1 (801) 760-2430 or (760)
839-9003 (U.S.)
Email: raoemo@mozcom.com (R.P.) and raoemo@sbcglobal.net when in U.S
Web: http://post_119_gulfport_ms.tripod.com/rao1.html
AL/AMVETS/CORMV/DAV/FRA/NAUS/NCOA/MOAA/USDR/VFW/VVA/CG33/DD890/AD37
member
BULLETIN SUBSCRIPTION NOTES:
== To subscribe provide your full name plus either the
post/branch/chapter number of the fraternal military/government organization you are
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you reside in so your addee can be properly positioned in the directory
for future recovery.
== To submit a change of email addee provide your old and new email
addee plus full name.

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