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      How to get your questions answered. A few observations, and requests of all members. All folks who come here are volunteers who do this on their own time and their own dime.To avoid burning out our best contributors please follow these guidelinesf you are reading a post and it reminds you of a question you want to ask, start a new topic, if you place your question in someone thread it will be difficult to distinguish your question from the original poster, you will get better results posting a new topic with your question. 1. Before Posting please do a search and see if your question has already been answered. If you find the answer print it out and put it in a file to use as a reference file, I find this helpful myself. 2. If you can not find the answer and you do post a question, please print out those answers and refer to them to avoid duplicate questions. 3. Refer to the Frequently Asked Questions4. Duplicate questions will come up from time to time but the keeping them to the minimum will lighten the load on the regular volunteers.5. Respect folks privacy do not request their personal phone numbers for claims help, it is inappropriate and not why they are here.6. Keep the topics focused on veterans issues, in closing Search first Search ... Ask second.it may save a lot of time or at the very least enlighten you.
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    • A bit about Tbird and HadIt.com for those who've asked...

      The following is on my About page, but some have been asking how this all happened. So here is my little story. Tbird US Navy 1983 – 1990 E-6 HadIt.com the website domain registered Jan 20, 1997 the domain is registered and paid for through Jan 21, 2023 at which time I plan to register it for another 15 years Lord willing and the creek don't rise. I guess the best place to start is Jan 1991; I had gotten out of the navy Dec 1990. At my separation seminar, there was a DAV rep Jim Milton he told us to bring our medical records in and he would look through them for us and let us know if we should file a claim with the VA. Well, bless his heart, he opened my medical file, reads the first insert, looks me straight in the eye, and says you will be 50% for the rest of your life and he would file the claim for me. 50% was for surgery I had in the service. True to his word he met with me and talked with me for a long time filled out my paper work and urged me to file for PTSD. I would not file the PTSD claim, nor even discuss it. By Feb 1991 I had moved to the San Francisco bay area and was staying at a friends apartment and pretty much I was just a puddle. In desperation one night I called suicide hot line, I had no job, no idea about going to the VA. They talked with me for a long time and explained to me that I could go to the local VA hospital even if I did not have insurance. Now, I know what you are thinking if I was 50% why didn't I just go to the VA in the first place, two reasons 1, this was Feb 1991 and the 50% didn't come till May and 2, even if it had come through it is unlikely that I would have had the mental acuity at the time to put the two together. I relate this here because it is where so many of our brothers and sisters are coming from, perhaps where you started. Fuzzy and unsure, in pain and sometimes homeless they come to the VA hospital for help. And that is where I ended up. Up to the pysch ward I went, blah, blah, blah, a few days later I was released with a promise of a call from the out patient program, which I would soon be entering. Blah, blah, blah, after many missed communications, and no call backs I was at the Day Hospital everyday M-F. And this brothers and sisters is where I began to learn and formulate my plan for HadIt.com. Veterans, veterans everywhere…I spent a year in the day hospital and about another year at a sheltered workshop before I got back on my feet. So I just talked to veterans everyday waiting for appointments, waiting for prescriptions, waiting for a vet rep and I started to learn the system. While in the navy I was data analyst and had to learn a 5 volume manual and just about anything you were suppose to do was in that manual. So I figured there must be a manual on how to do a VA claim or at the very least regulations. So I found out about the Code of Federal Regulations, United States Code, Veterans Affairs Manuals and so on and so forth. Of course this was 1991/1992 I was living in a tiny studio apartment in a particularly bad neighborhood, working in a sheltered workshop making a nickel per envelope I stuffed throw in PTSD and you will see that it was a difficult task for me to get somewhere where they had copies of these, let alone that they would let me look at. And there was so much knowledge around me, it was like the gold rush in those days, I could just sit on a bench a veteran would sit down next to me a little conversation later I had another nugget, I made copious notes. Phone numbers to call, ask for this guy or that guy he'll give you the straight scoop and they'd slip me a piece of paper with a number on it. You want to read this regulation or that one and another slip of paper into my hand. I spent a lot of time on those benches watching the squirrels they gathered their nuts and I gathered mine :) So I'm thinking I could put a little handbook together print it out and hand it out at the VA. Or perhaps fliers. Still formulating, time goes by, 1994/1995 I am being treated for PTSD regularly and doing and feeling much better and I go to work for a company as a marketing systems analyst and I discover the internet. Well let me tell you that was perhaps one of the most significant life changing events I have ever experienced. And I might add finally a positive one :) It seemed only natural to me that surely there must be a website that contained all the knowledge I wanted, well as it turned out not so much, lots of stuff but I wanted to get straight to the claims information and there was a lot of stuff to wade through to get to it. So taking my lesson from the squirrels earlier I started to gather, gather, gather…and learn HTML and work as a marketing systems analyst and work my claim. 1996/1997 major PTSD cork blows and unemployed. Working my claim, working the website. 20 Jan 1997 register HadIt.com domain name right after getting off the phone with the VA and saying I've had it with this. As fate would have it the old DAV board goes down just as mine opens up and folks start to wander in. So HadIt.com has two main components the website which supports the discussion board with links, articles, research resources etc. The website starts to grow, I can't tell you how many times I had to switch servers for space and features. I continue on a downward trend and in 1998 ended up back home in St Louis living in my sisters basement in therapy and working it, I swear I would have swung a dead chicken around my head at midnight naked if I thought it would have helped. The website continued to do great during this time, I just stayed in the basement bought new software, new books, and learned how to make things work and I continued to use this knowledge to make HadIt.com better. My 100% finally came through from the VA and I had a friend who is an advocate who helped me thru my SSDI claim, he was literally at my side thru the entire process and that came through for me. My therapist and sister continued to try and get me to leave the basement, but to no avail. At some point in 1998 or 1999 I put a counter on the website and was shocked to discover how many visitors we were getting. Time goes by my sister gets married and I move from the basement to the upstairs, there is much celebration that Aunt T is living in the light again. More time goes by and I settle into my life in St Louis and spend more time on the site trying new things, finding more information. 2003 I buy my own home VA loan. For years now I have just considered HadIt.com my job and I get up every morning go to the office and work for several hours, take an afternoon break and see where the rest of day takes me. I have a place in the office to use the computer and a comfortable to place to read journals and articles and take notes. Blah, blah, blah so that is my story and HadIt.com's intertwined.
    • HadIt.com Pass It On Cards

      Hi I've updated our HadIt.com Pass It On Cards. They are in a PDF format you can print them out cut them there are 12 to a page. If you have found HadIt.com helpful and would like to pass it on to other veterans this is an easy way to do it.I hope you find them helpful, feel free to leave a few anywhere veterans gather, veterans centers, veterans hospitals, public libraries, be creative. Please make sure though, that if you want to leave some at any business you ask permission first.Here you go http://www.hadit.com...it_on_cards.pdf
    • VA Training and Fast Letter Forum Index

      VA Training and Fast Letter Forum Index The following is the index with links to the various Training and Fast Letters plus a few miscellaneous. These letters are not necessarily in the original formatting. I have tried to present them in an easy-to-read form instead of some forms as originally presented. Some of the paragraphs were WAAAAYYY too long. lol - HadIt.com Member fanaticbooks Something to be aware.... Some of these letters may be rescinded, outdated, or otherwise no longer viable. I have still included them because sometimes they provide additional insight or just plain more information than the newest version. Use them wisely. The oldest letters will display at the bottom with the latest letters displayed at the top, all in sequential numbers. Coding of the letters... FL = Fast Letter TL = Training Letter First two numbers = last two digits of year of origin Training Letter http://www.hadit.com/forums/index.php?/topic/40694-va-tl-00-07/ http://www.hadit.com/forums/index.php?/topic/40693-va-tl-00-06/ Fast Letter Number Title http://www.hadit.com/forums/index.php?/topic/44262-va-fl-11-15/ http://www.hadit.com/forums/index.php?/topic/44260-va-fl-11-13/ http://www.hadit.com/forums/index.php?/topic/44261-va-fl-11-11/ http://www.hadit.com/forums/index.php?/topic/44310-va-fl-11-09/ http://www.hadit.com/forums/index.php?/topic/42151-va-fl-11-03/ http://www.hadit.com/forums/index.php?/topic/40957-va-fl-10-49/ http://www.hadit.com/forums/index.php?/topic/40958-va-fl-10-46/ http://www.hadit.com/forums/index.php?/topic/40959-va-fl-10-45/ http://www.hadit.com/forums/index.php?/topic/40960-va-fl-10-42/ http://www.hadit.com/forums/index.php?/topic/40961-va-fl-10-39/ http://www.hadit.com/forums/index.php?/topic/40962-va-fl-10-35/ 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Good News I Guess

28 posts in this topic

Posted · Report post

We got the brown envelope. However, we get the benefits but not the money. They are holding it until they find a fiduciary to manage the money. ALL OF IT. They claim he is incompetent. Includes the 70% he was already getting. We will have to ask for every penny.

I appreciate the insurance so very much because I have not had any of my meds since December. ChampVa is the answer to a prayer.

K already got his free hunting/fishing license today. The hunting part is a hoot 'cause he is blind. Blind Rifle Association!

We're not desperate for money at all but the plan had been to pay off everything we owe with the retro. K is afraid to object as he fears they will take it all back. His claim was for TDIU but they gave him 100% P/T instead. Whats the difference?

HADIT information has been wonderful. Berta told me about Watchdogtoday.org and I read everything I could find there on fiduciary assignment. OMG, what happened to Democracy? Good intentions gone terribly wrong.

Overall, I am so glad this is finally over. Or is it? Nobody wants some stranger to have their nose in their business. Oh yes, the fiduciary gets 3% per month out of the pension. Not much except for the retro which was about $12,000. All these years I have managed K's money for nothing! I coulda made 3% too. LOL

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Posted · Report post

Or is it? Nobody wants some stranger to have their nose in their business.

Oh yes, the fiduciary gets 3% per month out of the pension. Not much except for the retro which was about $12,000. All these years I have managed K's money for nothing! I coulda made 3% too. LOL

Omg,

Can't you be appointed the fiduciary ?

Also, please clarify, is he getting VA pension (which is income limited) or VA disability compensation?

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Posted · Report post

Omg,

Can't you be appointed the fiduciary ?

Also, please clarify, is he getting VA pension (which is income limited) or VA disability compensation?

Hi Carlie, K is getting disability comp & filed for TDIU to make 100%. He did ask by letter for me to be the fiduciary just today.

VAWatchdogtoday.org has some disturbing experiences related by vets on this subject.

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Posted · Report post

Congrats on the award, but this really cooks my chaps.

They are holding it until they find a fiduciary to manage the money. ALL OF IT. They claim he is incompetent. Includes the 70% he was already getting. We will have to ask for every penny.

Omg,

I would like to know this also. Did a social worker come to visit

as you stated in your other post. If so, did you tell them that you

wanted to be fiduciary?

I'm very interested in this, because I think I may be headed down

this same road. I will be eligible for over 4 yrs of retro if approved.

There has to be a way to keep these vultures out of our pockets. There

has been too much corruption in this fiduciary fiasco, and I will not

stand by and allow someone to control the rest of the little time that I have here.

Omg,

Can't you be appointed the fiduciary ?

Also, please clarify, is he getting VA pension (which is income limited) or VA disability compensation?

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Posted · Report post

does anyone think maybe power of attorney for a spouse would be a good quick fix to this type of problem? until the vet gets their retro..

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Posted · Report post

A POA only allows someone else to act "as you, for you" but doesn't remove your ability to act for yourself. A fiduciary removes your ability to legally act for yourself and names a responsible party to act for you. Usually the VA doesn't want you to urinate your money away, due to drugs or alcohol, and requires a fiduciary to prevent this. Personally, I would fight it but the spouse can be named, if you desire. jmo

pr

does anyone think maybe power of attorney for a spouse would be a good quick fix to this type of problem? until the vet gets their retro..

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Posted · Report post

Phillip I think the intentions of this program started out well because homeless vets were being schmoozed by 'nice' folks who helped them get their claims processed & then skipped out with the money. Some addicts & alcoholics actually do need some help managing. But K has an excellent track record with our lives. Exceptions were PS episodes where he was taken to the emergency room. But he has ALWAYS let me handle the money because he is blind, not because of his SC condition. We discuss all expenditures; I even read the grocery receipt to him. He looks up the bank account on computer daily.

It's been over 20 years since he stopped smoking and drinking (at the same time). Thats also a pretty good reference I think. Has no bad habits, controls his diet/chloresterol. How the heck is he incompetent. Also, as someone suggested, maybe he IS incompetent, so let me keep handling the finances. We both have good credit, just bought a home in Tx & still have our Mo home rented out.

The letter said we can ask for an in-person hearing. Yes we will! We can have friends/fam speak for K. Yes, we will fight this. Dont you think it would be demoralizing to tell a depressed man he is incompetent?

Sidney, No one has come to the house yet to 'explain' how they are here to help. As I read again & again these papers, it seems the VA has this idea all sewed up anyway. They dont seem to care if we fight this; it was pre-won already. How discouraging. K wrote out the request yesterday for me to be the fidicuary and DAV SO sent that in.

Thank you to everyone who is trying to help. We need all the help you can offer it seems. Like I said before at least I can get ChampVa now.

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On the surface, it sounds like the VA is playing fast and loose. I'd say that with just the information given, a rapid response disagreeing with the fiduciary appointment, etc. is needed.

Further, If there is any way to involve one of the better Pro Bono Veteran lawyers, I'd do so.

You don't have much time. Also, you need to do something concerning any existing funds in bank accounts before they may become subject to VA fiduciary control, and you no longer have access.

One of the problems can be that the notification letter was dated in the VA files well before the VA got around to actually mailing it. (Keep the envelope with the actual date of mailing postage)

This VA mailing delay can effectively shorten the time you have to respond with a disagreement notice. Five to ten days out of thirty is significant!

I'd at least contact a veterans VA lawyer before the sun sets!

One National Pro Bono is:

NVLSP

PO Box65762

Washington, DC 20035

202-265-8305

Fax 202-328-0063

info@nvlsp.org

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Posted · Report post

Chuck and everyone is right you really need to jump on this.

I was awarded VA P/T without a problem because of my heart and given SMC-s because of my other issues but nowhere did they ask if I felt I could not/or could control my money!

Now SSDI which I was just awarded after the VA, did ask if I felt I could handle my money and I said of course I have been doing it all my life and I also said I do most of my bills by computer and automatic each month. They did not mention anything about it when I was awarded!

I think again if you jump on this right away you should be fine!

Congrat on the Champ US my wife needed that too! So we are truly blessed!

Good Luck to you and K!

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Posted · Report post

Chuck & Stillhere, I am proud to have all you guys in our corner. I am positive the Pro Bono will hear from me tomorrow. Advice from the HADIT family has kept me going. K has so much 'control' meds that he is handling this better than me. I do love a challenge but this one is the worst I ever had in my 64 years. I hope the current cases going on right now just blows this program apart. Buncha BS I'd say.

Thanks again guys, I'll keep you posted.

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Changing the subject just a little.

Now that you have access to CHAMPVA, remember that it will pay MOST of your healthcare, but, there is some that they won't pay (like 25% or so), and, for that, my Wife has a supplemental policy that picks up ALL the rest of her healthcare costs that CHAMPVA does NOT cover. Her policy is with AMRA (American Military Retirees Association) but there are others, also. The policy is, like, $20+ dollars a month. She has some VERY expensive medications that she takes on a ongoing basis that costs several hundred dollars a month, so it is a "no-brainer" money-wise.

CHAMPVA is one of the best benefits that a veteran's family has, as far as I am concerned.

I will now return you to your regularly scheduled programming.

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Sue- Congrats on the win!

Sorry about the complications but I'm sure you'll resolve them and be on Happy Street! :smile:

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Changing the subject just a little.

Now that you have access to CHAMPVA, remember that it will pay MOST of your healthcare, but, there is some that they won't pay (like 25% or so), and, for that, my Wife has a supplemental policy that picks up ALL the rest of her healthcare costs that CHAMPVA does NOT cover. Her policy is with AMRA (American Military Retirees Association) but there are others, also. The policy is, like, $20+ dollars a month. She has some VERY expensive medications that she takes on a ongoing basis that costs several hundred dollars a month, so it is a "no-brainer" money-wise.

CHAMPVA is one of the best benefits that a veteran's family has, as far as I am concerned.

I will now return you to your regularly scheduled programming.

I was thinking Medicare with ChampVa would pay everything. Thanks for the advice. My meds run $26,000 a year before medicare pays. I did have 'extra help' before K was awarded 70%. Now I am too rich, lol. I think my Humira is $750 a month. This is why I have had NO meds since December because my co-pay was $688. Looking forward to getting that insurance card.

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I was thinking Medicare with ChampVa would pay everything. Thanks for the advice. My meds run $26,000 a year before medicare pays. I did have 'extra help' before K was awarded 70%. Now I am too rich, lol. I think my Humira is $750 a month. This is why I have had NO meds since December because my co-pay was $688. Looking forward to getting that insurance card.

To be honest with you, I do not have any experience when it comes to Medicare and how it "intertwines" with CHAMPVA (we don't have Medicare), but, I can tell you this: The CHAMPVA folks are really helpful (unlike SOME of the VA departments) and they are, seriously, just a phone call away. Call them and ask them about any un-paid balances and how your Medicare and CHAMPVA will co-ordinate your medical expenses. But, just remember, there are "supplemental" policies available to CHAMPVA recipients, just in case your Medicare does not pay the remainder of your bills.

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We got off the subject a bit. About the fiduciary program.....best info I have read is at VAWatchdog.org and click on fiduciary. Outright theft, fraud, and mismanagement. No accountability at all. At the end of the column (its long) Jim gives a series of steps to take when this all begins. Very good advice. Some of these folks are no friend of the disabled Vet.

Of all the dumbest things, I moved to Waco, Tx just in December! The most notorious RO ever! But K sends his heartfelt thanks to all of you who have 'gone before' and share information with us. I am read to file NOD about his incompetency.

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Don't forget that 100% Veterans who own their own home have a total exemption granted in Texas. This is a very big benefit in my opinion. Probably the reason my wife and I will stay in the home we bought in 1971.

ChampVA works very well with Medicare and unlike the Medicare prescription the cost of meds are hardball negotiated at VA prices so even though you have a copay it is not all that bad.

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OMG-Sue said:

"was thinking Medicare with ChampVa would pay everything"

as long as you have Part A and Part B Medicare ,in my case ,between the two of them, they have paid everything so far.

I do pay an annual co pay when I get my meds and I think it is 50 dollars.

The CHAMPVA man who was on some of our SVR shows told me to send in receipts for all of my med co pays as they will refund those co pays after the annual deduction.

It only took my pharmacist a few minutes to give me a full printout of my meds and co pays to send to CHAMPVA for refund.

The CHAMPVA booklet is full of good info on what they pay and any limits to coverage.Also you will get a periodic CHAMPVA magazine that also is full of excellent info.

You have to formally apply for CHAMPVA and I think that can be done on line at the CHAMPVA web site.

It is a fabulous benefit.

I believe it also can be retro-depending on the CHAMPVA entitlement date but not sure of that.

The CHAMPVA man, Glenn, in the SVR show archives -I believe even gave out his work phone number for any questions.

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My wife has BC/BS and ChampVA. ChampVA works well with BC. BC pays first and then ChampVA pays the rest. The BC was about the only decent thing I got from my 20 years as federal employee.

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If you go to the Hadit/SVR archives here:

http://www.hadit.com/svr.html

Just click on the archives button, and when you are at the archive click on the Glenn Johnson-ChampVA button...

He talks about ChampVA co-pays and Medicare issues...This is from a VA ChampVA head person...

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I stayed up late to check the bank & glad I did! K's direct deposit was for the 100% amount. All the fuss about fiduciaries is about the RETRO money only. Nobody has called, written, or answered and questions. Maybe it's like Berta said they should trash this program anyway. It's a broken program.

I cannot start to list the Hadit friends here who have helped us thru it all (so many). Not only good advice, legal information, but you all kept us from 'losing it' while waiting these 10 months for a decision. I know Sidney is going thru this too and wish the best for him. At first they said all K's money would be seized. Now how the heck am I going to pay bills? But you guys kept us cool and some of it turned out to be O.K.

Now we will stay with you for the rest of the story, and your stories.

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If you go to the Hadit/SVR archives here:

http://www.hadit.com/svr.html

Just click on the archives button, and when you are at the archive click on the Glenn Johnson-ChampVA button...

He talks about ChampVA co-pays and Medicare issues...This is from a VA ChampVA head person...

Stretch, sorry I did not get back to you. This ChampVa info was exactly what I needed. I am sending virtual peach cobbler to you!

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THE DIFFERENCES BETWEEN BEING “RATED” AT 100% AND BEING “ASSIGNED” 100% TDIU

http://ow.ly/4qZhM

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THE DIFFERENCES BETWEEN BEING "RATED" AT 100% AND BEING "ASSIGNED" 100% TDIU

http://ow.ly/4qZhM

Yes the award letter said he is 100% rated, instead of 70% plus TDIU. I guess he couldnt be unemployable and incompetent at the same time?

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Does it say P & T?

Does it say DEA benefits have been awarded?

CHAMPVA eligibility depends on the P & T status.

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OMG-Sue said:

"was thinking Medicare with ChampVa would pay everything"

as long as you have Part A and Part B Medicare ,in my case ,between the two of them, they have paid everything so far.

I do pay an annual co pay when I get my meds and I think it is 50 dollars.

The CHAMPVA man who was on some of our SVR shows told me to send in receipts for all of my med co pays as they will refund those co pays after the annual deduction.

It only took my pharmacist a few minutes to give me a full printout of my meds and co pays to send to CHAMPVA for refund.

The CHAMPVA booklet is full of good info on what they pay and any limits to coverage.Also you will get a periodic CHAMPVA magazine that also is full of excellent info.

You have to formally apply for CHAMPVA and I think that can be done on line at the CHAMPVA web site.

It is a fabulous benefit.

I believe it also can be retro-depending on the CHAMPVA entitlement date but not sure of that.

The CHAMPVA man, Glenn, in the SVR show archives -I believe even gave out his work phone number for any questions.

Yes, it's retro --- back to the date of the Veteran's effective date at 100% P&T. I'm in the process of photocopying 5 years worth of my rx and medical bills as ChampVA will reimburse us for any out of pocket co-pays, deductibles, etc we paid.

The hardest part was remembering some of the doctors I'd seen 5 years ago ! Called our insurance company and they sent me a print out as you have to send in an itemized statement

to ChampVA for the medical. With the insurance printout of the Explanations of Benefits (EOB's) I was able to recall a few docs I'd missed. For most I have already called them and asked for an itemized statement and they have all been really helpful. A printout of the rx from the pharmacy is sufficient so long as it has what ChampVA wants .... NDC#, prescriber, quantity, etc. It's in the ChampVA packet they

send out to you after you file for it. ChampVA has been great to work with .... this was a surprise benefit (the 5 yrs reimbursement part) and well worth it. ChampVA did suggest sending in the rx and the medical statements separately as they are both processed by different departments.

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