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f. Payments. Retired members who hold NSLI or U.S. Government Life Insurance (USGLI) and who desire to make allotments from their retired pay to pay the premiums on their insurance should follow the procedure outlined in paragraph 71, this pamphlet. Members entitled to, but who do not receive retired pay, must commence or continue payment upon retirement by direct remittance. Such payments should be made to the Veterans Administration. Applications for and payments on NSLI should be sent by retired personnel to the VA Center where the policyholder's insurance records are maintained, or, if the retired member has never had such insurance, to the center serving the area in which he maintains his mailing address for insurance purposes, as indicated in paragraph 153, this pamphlet. Applications and payments from persons who maintain mailing addresses for insurance purposes in foreign countries should be sent to the VA Center, Philadelphia, Pa. Applications for and payments on USGLI should be sent to the Veterans Administration Center, Philadelphia, Pa. Any correspondence pertaining to insurance should include the name of the individual as well as his service number and the number of his insurance policy (or if not available, the date of birth).

150. Detailed Information Regarding Insurance. Detailed information regarding Government life insurance is contained in VA Pamphlet 90-3, "National Service Life Insurance-Information and Premium Rates," VA Pamphlet 90-1, "United States Government Life Insurance-Information and Premium Rates," and VA Pamphlet 29-17, "New Insurance Law Effective 1 May 1965." The current issue of any of these may be obtained from any VA office.

151. Effect of Reentry Into Active Service on Certain Insurance Rights. Effective 1 January 1957, if a service member reenters active service after a separation there from, his rights to apply for reinstatement or replacement of permanent plan insurance surrendered for cash, or for replacement of expired term insurance will be automatically continued during his continuous active service following reentry and for 120 days thereafter, only if he reenters

active service on the date of separation or the following day, after the date of separation. If he reenters active service later than the day following the date of separation his right to apply for reinstatement or replacement will not continue through the period of active service following reentry, but will expire at the end of the 120-day period following separation. Similarly, if a service member having an in-service waiver of premiums in effect under 38 USC 724 reenters active service on or after 1 January 1957, the waiver of premiums will terminate at the end of the 120-day period following separation, unless he reenters active service on the date of separation or the following day, in which case the waiver will continue through the period of active service following reentry and for 120 days thereafter, unless otherwise terminated. 152. Contacting VA After Retirement. Retired personnel should contact the nearest VA office immediately after retirement for help in determining any course of action he desires to take in regard to his Government life insurance. 153. VA Centers:

a. Fort Snelling, St. Paul Minn 55111 (Remittances: Post Office Box 1820). This office has jurisdiction over accounts of persons residing in the following States:

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154. New Insurance Law, Effective 1 May 1965 (38 USC 725):

a. This law reopens the NSLI program to veterans who were eligible to apply for NSLI on or after 8 October 1940 and before 1 January 1957. Veterans who first entered service on or after 25 April 1951, must have been separated from service before 1 January 1957, to be eligible. Three groups of veterans are involved:

(1) Those who have a service-connected disability and are insurable;

(2) Those who are uninsurable because of a service-connected disability and who are otherwise in good health; and

(3) Those who cannot buy commercial life insurance at the highest rate because of a nonservice-connected disability.

b. Persons on active duty are not eligible for this insurance. Veterans discharged before 2 May 1966, if otherwise eligible, may apply through 2 May 1966. The law provides that application for the new insurance may not be made after that date.

c. The new law does not change the right of any veteran, separated from service on or after 25 April 1951, to buy nonparticipating Service Disabled Veteran Life Insurance (RH). Veterans separated from service on or after 25 April 1951 who have a service-connected disability have a continuing right to apply for RH

insurance within 1 year from the time any such disability is found by the VA to be serviceconnected. Except for the service-connected disability, these veterans must be in good health for insurance purposes. Some veterans may be eligible for insurance under both that law and the new law, and will have to determine which is more advantageous under their individual circumstances.

d. The new law also makes a seventh permanent plan of insurance available to all NSLI policyholders who are not more than 60 years and 6 months old. It is known as the Modified Life plan. It provides coverage in the amount issued up to the 65th birthday. At that age the amount of insurance is reduced by one-half, but the premium remains unchanged and must be paid for life. Before his 65th birthday without medical examination, the insured may replace the amount of insurance that is reduced under the Modified Life plan by purchasing such additional amount on the Ordinary Life plan at his attained age. Before this Modified Life plan was established, Ordinary Life was the lowest form of level premium insurance available. The Modified Life plan has lower premiums than Ordinary Life. This reduction in premiums is brought about by a modification in the insurance benefits. Under this plan the amount of insurance is reduced by one-half when the insured reaches his 65th birthday. In many cases insurance needs from then on have reduced because of lessened family and other financial responsibilities. Should this not be the case, the policyholder is offered an option at that time of continuing the full amount of his policy at an additional premium. However, if the insured is totally disabled on the day before his 65th birthday and premiums on the Modified Life plan are waived, the full amount of the insurance will be continued and premiums will be waived as long as he is totally disabled.

Chapter 28

READJUSTMENT AND RELATED BENEFITS-PART III,
TITLE 38, USC

155. World War II and Korean GI Bill. Retired members who had service during World War II between 16 September 1940 and 25 July 1947 were covered by the Servicemen's Readjustment Act of 1944, which was the first "GI Bill of Rights." While most of the benefits have expired, two are still available for qualified personnel. They are VA guaranteed loans and vocational rehabilitation.

a. World War II Loans. Public Law 87-84, 6 July 1961, extended the deadline for loans to veterans for the purpose of purchasing, constructing, or improving a home, buying a farm, farmland, or farm supplies and equipment; or buying a business or expanding a legitimate business venture. The new deadline date for loan applications from veterans of World War II is as follows:

(1) A veteran discharged or retired for a service-connected disability from a period of active duty, any part of which occurred during World War II, has until 25 July 1967 to apply for a VA loan. This time period also applies to an eligible unmarried widow of such a deceased veteran.

(2) For other World War II veterans, the basic deadline date is 10 years from the date of the veteran's discharge or release from his last period of active duty any part of which occurred during World War II. However, the veteran's eligibility period is extended one additional year for each 3 months he served on active duty during World War II. In no case shall the veteran's eligibility for a VA loan expire before 25 July 1962 or continue beyond 25 July 1967. b. Korean Conflict Loans.

The rules in respect to eligibility of veterans who served on active duty during the Korean Conflict (June 26, 1950, through January 31, 1955) and the length of time they will remain eligible for GI loan benefits are the same as for World War II

veterans except that in no case shall the entitlement of an eligible Korean veteran expire before January 31, 1965, nor extend beyond January 31, 1975. Only the VA can make determinations of eligibility for GI loan benefits. Contact the local VA office to apply for a Certificate of Eligibility.

c. Vocational Rehabilitation. Only three groups remain eligible for vocational rehabilitation benefits under Public Law 78-16. They

are:

(1) Those too seriously disabled to have begun or completed earlier;

(2) Those who originally received discharges barring them from training, but whose discharges later were changed to make them eligible; and

(3) Those who were late in establishing a service-connected disability. Training in these cases must be completed by 25 July 1965, except for some blinded veterans who may be afforded rehabilitation training until 30 July 1975.

156. War Orphans' Educational Assistance:

a. Title 38, USC, Chapter 35, provides an educational assistance program for children of servicemen who died from disease or injury incurred in line of active military, naval, or air service during the Spanish-American War, World War I, World War II, or the Korean War, or the induction period if such service did not terminate under dishonorable conditions. Educational assistance is also provided for the sons and daughters of veterans who have a service-connected total disability permanent in nature arising out of such service, or who died while a disability so evaluated was in existence (Public Law 88-361). The "induction period" is the period beginning 16 September 1940 and ending when individuals are no longer liable for induction under Universal Military Train

ing and Service Act, excluding intervening wartime periods. For this benefit, the term "child" means a legitimate or legally adopted child, a stepchild if he was a member of the household of the veteran from whom eligibility is derived at the time of his death, or an illegitimate child if it is shown by satisfactory evidence that the person from whom the eligibility is derived is the parent. Individuals who are married and individuals who are above the age of 21 are included.

b. The term "schools" means any public or private secondary school, vocational school, business school, junior college, college, normal school, professional school, university, scientific or technical school if it furnishes education at the secondary school level or higher. Training will not be allowed in photography, entertainment, music, public speaking, or sports unless they are only a part of a program leading to an educational objective in an institution of higher learning. The educational assistance under this act will not exceed 36 months except that additional time for special restorative training may be given when found by the VA to be necessary. Any assistance received under the Veterans Readjustment Act of 1952

(Korean GI Bill) will be deducted from chapter 35 entitlement.

c. A child, whose eligibility is derived from the parents, can receive educational assistance during the period beginning with his 18th birthday or upon successful completion of high school, whichever occurs first. The assistance ends when the child reaches his 23d birthday, except in those cases where he is in the last half of a quarter or semester or has had honorable service in the Armed Forces. In certain other exceptional cases, educational assistance may be afforded beyond the 23d birthday but in no event beyond the 31st birthday. Benefits from this law range up to a maximum of $110 per month for full time participation in an educational program. This law also provides special restorative training to overcome or lessen the effects of a manifest physical or mental disability which would handicap an eligible child in pursuit of a program of education. This assistance will not exceed those limits established for normal education.

d. The Veterans Administration is the Government agency administering the provisions of this Act. In order to determine eligibility or to obtain other information, visit or write to the nearest VA office in your area.

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Chapter 29

ADDITIONAL RIGHTS AND BENEFITS AVAILABLE TO
PERSONNEL RETIRED FOR DISABILITY

157. Vocational Rehabilitation:

a. If you have a disability arising out of active service during the Korean Conflict period, 27 June 1950 to 31 January 1955, inclusive, for which compensation is payable under laws administered by the VA or would be but for receipt of retired pay, and need for training to overcome the handicap of such disability exists you are eligible for vocational rehabilitation at Government expense.

b. Retired persons who have a service-connected compensable disability which was incurred during the peacetime periods from 26 July 1947 to 26 June 1950, inclusive, or after the termination of the Korean Conflict on 31 January 1955 to the present, and whose ratings are less than 30% must, in establishing a need for training to overcome the handicap of such disability, show clearly that they have a pronounced employment handicap resulting from such disability. Those who are rated 30% or more disabled as the result of such service have only to establish a need for training to overcome the handicap of their disability.

c. Generally, vocational rehabilitation training must be completed within nine years from the date of discharge or release from active service. For further details concerning this benefit and procedure for submitting application, contact the VA Regional Office that handles your claim for VA compensation. 158. Automobiles and Conveyances:

a. Personnel retired for disability due to loss of, or permanent loss of use of one or both feet, or one or both hands, or permanent impairment of vision of both eyes to the degree specified in the statute, incurred in active military service during World War II, or in active military service rendered during the Korean Conflict, and for which they would be entitled to disability compensation from the VA, are eligible

to apply to the VA for an automobile or other conveyance. By statute the VA may not pay in excess of $1,600 on the purchase price.

b. Generally, the application must be made:

(1) Within 5 years after 20 October 1951, or within 5 years after date of the veteran's discharge or release from active World War II or Korean Conflict service if the veteran is not discharged or released until after 20 October 1951.

(2) Within 3 years after occurrence of the disability in the case of any veteran whose qualifying conditions occurred subsequent to his discharge or release from active World War II or Korean Conflict service.

(3) Within 1 year from the date on which entitlement to compensation for the required conditions shall have been determined. 159. Special Housing for Paraplegics:

a. Seriously disabled veterans who cannot get about without the aid of wheelchairs, braces, crutches, canes, or the like, may be entitled to a grant from the VA for a "wheelchair" home, especially adapted to their needs. The veteran must be entitled to compensation for permanent and total service-connected disability due to the:

(1) Loss, or loss of use of, both lower extremities, such as to preclude locomotion without the aid of braces, crutches, canes, or a wheelchair; or

(2) Which includes:

(a) Blindness in both eyes, having only light perception, plus

(b) Loss or loss of use of one lower extremity.

b. Eligible veterans will receive Federal grant of not more than 50% of the cost of their homes up to the maximum of $10,000. This grant may be used to pay part of the cost of building or buying such homes, or to remodel existing dwellings for their requirements. The grant

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