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  1. So this company sent me an offer to drop my mortgage rate down 3% to 2.5%. No out of pocket expense to me. All fee financed in new loan. To me it seems too good to be true. Has anyone ever used this company? I'd hate to ruin my first home purchase by refinancing with a scam company. Any help/ knowledge is greatly appreciated. Thanks.
  2. Back in 2019 this statement was made to another individual. I am puzzled. I am currently 70%. I became 50% back in 2016, 70% in 2019. I had health insurance and kept it after I retired, plus MEDICARE, TFL (mil retiree). I didnt pay any co pays due to having three insurances at the time, but VA billed my MEDICARE and civilian insurance, which paid the Dr visit and my prescriptions by civilian ins. TFL always came up with some excuse not to pay anything for years. But the payments dont go to the VA Dr I see, but someone else I've never seen at the RO billing office. I suspended my civ
  3. Received a letter from a company called QTC, which I found to be strange since I am rated at 100%. Called the company and asked them questions and they stated that they are a 3rd party agency hired by the VA. The case officer informed me that I have a claim under the VA but the fact is that I don't have any claims active once I was rated at 100% I stopped. So I was under the impression that this company was either a scam/fraud or something. Normally the VA contacts you directly, but? Called the VA to confirm this "QTC" company, and the VA informed me that my TBI injury is not a perman
  4. I got the Corona Virus Vaccine today! (at my VAMC) (I went for dental work). No, I can not promise all VAMC's, or even my VAMC will vaccinate you also. I dont know how many doses they have. I have to have another dose Feb. 16. So far, no problems. No reaction. The nurse said, "It may make my arm sore a few days", or even some aches and pains. I barely felt the needle go in, and had to ask her if it was done. I "think" the reason I got it, might be showing up at the right time. (Im 68 years old).
  5. Hello, I received a letter from the VA stating they propose to reduce my disability pay down to zero so that 12k in voluntary separation pay will be satisfied. However, I have already paid that. In 1997 I was awarded 10% and told in that award letter that the VA will withhold all payments until the 12k is satisfied. Lo and behold in 2008 I began receiving 10% checks. Now in 2020 I get this proposal because I never paid it according to them. I believe that this is related as to why. I am part of the EXCEPTION GROUP as I repaid prior to this software implementation. This is scaring the crap out
  6. These begin Dec. 1, and the first day we should get the new compensation rates is Jan. 1, 2021. (VA comp is paid in arrears, so it starts Dec. 1 and you get the new pay rates on Jan. 1) https://www.va.gov/disability/compensation-rates/veteran-rates/
  7. "If" you are disabled by VA and "do not" have the 10,000 VA life insurance, at no cost to you, you should get it ASAP, if eligible. Follow the links to see if you are eligible: https://www.va.gov/life-insurance/ Also, if you have your 10,000 VA life insurance, its also like a bank account you can draw on. As an example, if you have had the 10,000 life insurance for 10 years, you could withdraw (that is get a "loan" from your life insurance proceeds) for $1000 or more. Yes, you would pay interest on the loan, "but" you would never have to pay it back (the amount borrowed, plus int
  8. From: Berry law firm: For more information: https://ptsdlawyers.com/blog/how-reservists-can-get-va-disability-compensation/?inf_contact_key=8714769f3a7c1fe23d4d1df1e3cf1bb0
  9. Yesterday, the VA from South Dakota called me, by the way I live in Northeast, to ask me if I went to my last C@P exam with QTC which I did, He told me, he is looking for that information so they can finish my Cervical spine fusion claim, has this happen to anyone else? Ken
  10. Hadit family, can anyone give me some advice on how to handle this Appeal process. I recently looked on VA.GOV and noticed this. how do I prepare to win?
  11. What the “couldn’t fully grant your appeal...” means?. The claim in question is sleep apnea and acne. I’m confused, what can be expected from this? Thanks! https://drive.google.com/file/d/1B622YwAqOSf68H3KhqJjQ_vP-n5cILga/view?usp=drivesdk
  12. Hi, I received me letter today, and I was denied. This time the error is clear. The Doctor who preformed my ACE examine said my initial diagnoses was Epilepsy then proven to be pseudo seizures. Initially at the ER (and my week long hospitalization after) and for about one month after I was diagnosed with PNES and not epilepsy. However since I kept experience both petite mal and grand mal episodes and then Epileptic medication treatment began to WORK, I was diagnosed with Epilepsy. My doctor in my civilian record's back dated the diagnoses to the May when the first event occurred. I've att
  13. Hi there, Recently actually yesterday the 21st of February the VA gave me notice that my supplemental claim had been decided and that they had sent out the letter that morning as well (meaning the decision was actually made on the 20th). This of course prompted me to check Ebenefits, where I saw no change in my rating. I'm currently rated at 40% for other issues. And in the past Ebenefits updated almost instantly leading me to believe that this supplemental claim was denied. I originally submitted my Epilepsy claim back in august, it was denied about 4 months later
  14. Hello, Quick background; I injured my back severely in Kuwait in 2013(I was 22) no proper medical exam or treatment at the peek of the injury just pumped full of pain meds. Once back in the states it still took months before Someone decided I actually needed an xray just to be told I was fine. There were times where I’d experience temporary paralysis below the waist, daily pain levels above 5, numbness, pinching and burning sensations in lower back and to be told nothing was wrong made me want to give up and suffer in silence because no1 seem to take me serious. However the pain was so in
  15. My question: Should all items that impact his disability be listed on the VA Form 21-526EZ? If something is secondary such as pain, that should be listed? BACKGROUND: I need assistance with VA Form 21-526EZ. On page 8 section 13, it asks for the list of disabilities. Does this mean ALL items from his problem list (VA medical records)? For example I can easily extract 20 items from his VA medical problem list BUT the VA Veterans Advisor only posted 4 line items which do NOT give a complete picture. 1. paralysis external nerve (mild) 2. lumoscaral strain (mild)
  16. Question: VA Form 21-526EZ page 8 section 13. Should all the items from the VA Problem list (medical records) be included on the form, including secondary problems and other items such as diabetes or ONLY the service connected problems? Post Vietnam, no AO My spouse's condition has deteriorated in the last 10 years and we need to be re-evaluated. Last year, the VA Rep submitted a claim and the Comp&Pen Doctor asked us for an MRI. From there it gets murky trying to get assistance for documentation.
  17. I submitted my claim 9/24, I had the C&P exams on 11/6, and I am still waiting. I talked to my VSO today and she said I was "Awaiting adjudication" and that it could be several more months and I may need more exams. I know the VA is a long process, but it has been 10 months already and I am not sure what "awaiting adjudication" means. The VSO seemed a little annoyed, I call about 1 time a month, it just is frustrating. I don't know why a claim should take 10 months, I know I have read about appeals taking years so I shouldn't complain. I just feel that 10 months is an unreasonable amo
  18. I filed a claim in october of 2018 for ptsd and TDIU, long story short I tried to do everything myself and didn't have the proper diagnosis so I was service connected for anxiety based on having a medical marijuana card diagnosis for anxiety but the rating was 30% and I much worse off then that. So I obtained a referral from the va to a fancy psychiatrist from the university of north florida's behavior health department and was diagnosed with ptsd, bi polar 1 and panic disorder. I used this new medical evidence as my supplemental claim evidence and filed it April 16, 2019 after receiving my le
  19. I have just received my rating for 2 items at 20%..........Now looking at my rate, I noticed that I have 3 in deferment.....My award is the rate for 20%......What does this mean? there is no pending c&p noted on the deferred items. All it did was push my date for those items May 28- Jun 29th 2018 but I will be getting back pay from may 31 2017 for the 2 items they rated me on. But on the other hand I'm looking at this.......effective date of change.....With my other items, plus unemployable which I noted is not even listed under disabilities, but is listed under my claims.. I left out cert
  20. Please, welcome new VET2VET podcast episode: https://youtu.be/waV5t0HPtbM Today we are joined by Thomas Wendel, DAV National area supervisor for West Cost Region. Thomas E. Wendel served in the U. S. Marine Corps from 1983 until 1997. Since 1999, Tom has worked assisting veterans in processing various entitlement claims on the local, state and federal levels; first in Clare County as a county service officer and then when he came to work for the Disabled American Veterans in 2000. In 2008 he was promoted to the position of supervisor of the DAV Service Office in Detroit and later
  21. BVA granted 100% Dec 20, 2018. Filed my claim Feb 2012. It's been a long hard road. Now I am just curious how long before I here from the regional office, and back pay.
  22. I was in the USMC, I was discharged 11 Oct 2017. My separation code on my DD-214 says JFV1 which is for a condition not a disability. Fast forward to after I get back home from where I was stationed, and I went to the VA. My local VA granted me 60% disability and sent me a letter where it clearly states that this is a service related disability. I receive monthly disability for that same condition I was discharged over. That is the only thing I receive any disability for and it was my reason for discharge. I was also placed in priority group 1 for VA Health Care as a result. Now that
  23. I just received a letter today dated 11/7 It states that the Claim with the Board that was granted back in 10/2018. It states an accredited attorney or agent properly filed a valid direct-pay fee agreement per the provisions, it goes on to say that the amount of Past-due benefits for so much has been computed from the effective date of the award through the date of the decisions, is so much. That of that amount so much is withheld for fees in the amount of said dollars, which is 20% of past due benefits. Since it is stating that they are paying my lawyer and what they or
  24. I am being Medboarded for PTSD and Bipolar Disorder. It was classified as “EPTS and permanently aggravated by service” even though i came in the service with ZERO already existing conditions. I did not have ptsd or bipolar before i joined. It was not ever noted in my initial entry exam. However they still classified it as EPTS. My question is; what is the highest rating a condition that is considered EPTS but permanently aggravated by the service can receive ? Is there a limit one can get as a percentage because it was categorized as EPTS ?
  25. First time post, long time viewer. Quick question. Is eBenefits typically up to date? For example, my TBI claim is in the prep for decision phase, and has been for some time. Will I see an update on eBenefits before I get something in the mail, or are the chances high that I will randomly receive an envelope in the mail with the VA's decision before the site even updates? Seems like i check at least five times a day for an update. Or, is this another "case by case" or "depends on the region" etc. Thanks. Btw, love this blog/forum. Waiting has made me nearly insane, but I have
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