Gather the information listed below that you’ll need to fill out an Application for Health Benefits (VA Form 10-10EZ)
You’ll need this information:
Social Security numbers for you, your spouse, and your qualified dependents
Your military discharge papers (DD214 or other separation documents)
Insurance card information for all insurance companies that cover you, including any coverage provided through a spouse or significant other. This includes Medicare, private insurance, or insurance from your employer.
Gross household income from the previous calendar year for you, your spouse, and your dependents. This includes income from a job and any other sources. Gross household income is your income before taxes and any other deductions.
Your deductible expenses for the past year. These include certain health care and education costs.
Note: You don’t have to tell us
What are the basic requirements for a VA loan?
You meet the minimum active-duty service requirement if you served for:
At least 24 continuous months, or.
The full period (at least 181 days) for which you were called to active duty, or.
At least 181 days if you were discharged for a hardship, or a reduction in force.
Medicare offers free or low-cost medical benefits to people with disabilities, through three
parts that cover different services:
Medicare Part A: Hospital Insurance
Medicare Part A helps cover inpatient care in hospitals, including critical access hospitals
in rural areas, and skilled nursing facilities for temporary treatments. It does not cover
custodial care, which helps you with activities of daily living or long-term care. It also
helps cover hospice care and some home health care. You need to meet certain conditions to
get these benefits. Most people don’t pay a premium for Part A because they or a spouse
already paid for it through their payroll taxes while working.
Medicare Part B: Medical Insurance
Medicare Part B helps cover doctors’ services and outpatient care. It also covers other
medical services that Part A doesn’t cover, like some of the services from physical and
occupational therapists, and some home health care. Part B helps pay for these covered
services and supplies when they are medically necessary, like ambulance services and
medical equipment. Most people pay a monthly premium for Part B.
Medicare Part D: Prescription Drug Coverage
Medicare Part D is available to everyone with Medicare, not just those who are disabled.
To get Medicare prescription drug coverage, you’ll need to join a plan approved by
Medicare that offers Medicare drug coverage. Most people pay a monthly premium for Part
D coverage.
Medicaid
Medicaid is different than Medicare because it only offers health insurance to people under
65 with certain disabilities and any age with end-stage renal disease. Medicaid eligibility
criteria is different from state to state. Many states have expanded their Medicaid programs
to cover more low-income adults. If you are not sure if you qualify for Medicaid, you should
apply. You might be eligible depending on your household income, family size, age, disability,
and other factors. You can learn more about Medicaid in your state through Medicaid.gov.
You can learn more about applying for Medicare and Medicaid at CMS.gov.
Disability Insurance
SSA offers Social Security Disability Insurance (SSDI) to provide financial help to people who
become disabled after earning enough Social Security work credits within a certain time. To
be eligible, you must have a qualifying disability and have earned enough Social Security
work credits through your employment history. You can apply online as soon as you become
disabled.
SSA offers another program called the Ticket to Work Program, which is a free, voluntary program.
It helps people who receive Social Security disability benefits re-enter the workforce and become
financially independent, all while keeping their benefits. Ticket to Work connects you with free
employment services to help you decide if working is right for you, prepare for work, find a job, or
maintain success while you are working. You can learn more on the Ticket to Work site and find
resources that might be helpful to you.
Find more benefits
To learn more about disability benefits or other government benefits you may be eligible for,
take the Benefit Finder questionnaire. It can take between 10-30 minutes to finish, and all answers
are kept confidential. Once you have completed the questionnaire, you will receive a list of
government benefits you may be eligible for and where you can apply. Check out this video
to learn more about the Benefit Finder Questionnaire.
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Medicare Program
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Social Security Disability Insurance Benefits
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What benefits are widows of veterans eligible for?
What are veteran survivor benefits? As a veteran’s surviving spouse, child or parent,
you may qualify for certain benefits, such as help with burial costs and compensation
or pension. You may also qualify for health care, life insurance, or financial assistance’
The information contained in this article is to be used for reference only. It is not to be used in place of, or in conjunction with, professional hair care advice. Anyone who notices a concerning condition, relating to their hair, should consult a dermatologist for proper diagnosis and/or treatment.
10 Tips To Improved Hair Care
Hair care is an important part of looking good and feeling good, both inside and out. There are an endless number of hair care products that promise to shape up, curl, straighten, moisturize and rejuvenate, but what is the best way to maintain healthy hair?
Here are 10 tips to get you started.
If you notice split ends, have them trimmed. This will result in healthier hair and a better overall appearance.
A trim is relatively inexpensive and should only take a matter of min…
Hair care is an important part of looking good and feeling good, both inside and out. There are an endless number of hair care products that promise to shape up, curl, straighten, moisturize and rejuvenate, but what is the best way to maintain healthy hair?
Here are 10 tips to get you started doing it yourself.
If you notice split ends, have them trimmed. This will result in healthier hair and a better overall appearance.
A trim is relatively inexpensive and should only take a matter of minutes at the local salon.
Use a low to medium heat on your hair dryer. Extreme heat can dry out the hair and cause the frizzies.
Avoid prolonged exposure to the sun, which is not only bad for your skin, but can dry out your hair as well.
Many people suffer from dandruff. If you are one of the many, avoid scratching or rubbing the head as this will promote flaking.
Instead, use a shampoo and/or conditioner that is especially designed to treat dandruff and eliminate flaking.
If you have thin hair, add a volumizing shampoo for added body. If you have thick hair, using a healthy shine shampoo will bring out the additional beauty.CLICK NOW FOR MORE INFORMATION
Avoid harsh hair care products, which can dry out or damage the hair. In some cases, individuals have even experienced hair loss in using certain at-home perm and/or coloring treatment products.
If you want to have this type of treatment done, have it done at the salon.
In choosing a salon, make sure that you opt for one that has been in business for awhile and has a clean, professional workspace.
Ask friends for referrals. If they have used a certain hair care product, which coincides with one that you are searching for, inquire about their experience.
The same is true with salons, which are often best recommended by friends and family.
When brushing your hair, use soft strokes rather than those swiped in a hurry. A part of quality hair care is, just as the name implies, caring for your hair.
When using styling products, make sure that they do not overheat prior to using them on your hair.
Extreme heat can and will damage the hair, not to mention the discomfort of a burn resulting from an overheated styling product.
The information contained in this article is to be used for reference only. It is not to be used in place of, or in conjunction with, professional hair care advice.
Anyone who notices a concerning condition, relating to their hair, should consult a dermatologist for proper diagnosis and/or treatment.
If you watch the tabloids, you know that even the stars have bad hair days. It just seems that when the professional stylists are out of the picture, it is inherently human to have a less than glamorous mane.
But you can do your part to stay ahead of the battle by following these great tips for hair care.
1. Use a professional conditioner that is formulated for your specific hair type. While you can skimp a little on the shampoo, a good, professional conditioner is a must
If you watch the tabloids, you know that even the stars have bad hair days. It just seems that when the professional stylists are out of the picture, it is inherently human to have a less than glamorous mane.
But you can do your part to stay ahead of the battle by following these great tips for hair care.
1. Use a professional conditioner that is formulated for your specific hair type. While you can skimp a little on the shampoo, a good, professional conditioner is a must have. Look for products in salons that are customized for your hair type.
For instance: If you have color or a perm, choose a conditioner that is for chemically processed hair. And stay away from those all-in-one shampoo and conditioner combos.
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2. Choose a cut tailored to your face and body shape. The number one mistake that people make when choosing a new hairstyle is to pick a style based on popularity rather than how it will enhance their features.
Always choose a new cut based on how it will enhance or detract from your facial features and build. If you have broad shoulders, choose a full-bodied cut over a close cropped head hugging doo.
3. Don’t forget your UV protectants. Just as your skin gets damaged by wind and sun, so does your hair. To combat this, look for finishing products such as mousses, gels and sprays that block UV rays.
4. Keep your appointments. Did you know that your hair will split faster than it will grow? You need to get a trim every 6 to 8 weeks, even if it’s just a micro trim. A good hairdresser makes them good because they know what to leave on the head, not take off.
5. Leave chemicals to the professionals. There is a reason why beauticians need to go to school to learn how to handle chemicals and hair processes.
You can do irreparable damage with these products even if the package says that it’s way easy. And even if you don’t make your hair fall out, you could end up looking like a clown and paying a stylist big bucks to fix your mess. (Note: Most stylists charge double the rate for corrective color than they do for normal color processes)
6. Get color for interest and body. Every cut needs a little bit of color to make it truly breathtaking. No matter whether your taste is subtle or dramatic, you can add interest and volume to your tresses with a color process.
Highlights, lowlights, all over color, gray coverage, you name it, it’s all good for your look.
7. Do weekly conditioning treatments. Even if your hair is extremely healthy, it is constantly on the attack from wind, sun, cold and heat. During the summer months, your hair is battered even more when it absorbs chlorine and other chemicals from your pool.
8. Get an ionic ceramic flat iron. Instead of frying your hair with a conventional metal plated flat iron. Straighten your tresses, add shine and infuse moisture with one of the a negative ionic flat irons. We personally use T3 irons for all our work.
9. Choose your styling products wisely. Avoid products that leave build-up on your hair. If you see white gunk, that means that your product is not water-soluble and may be coating your hair shaft.
Build-up causes limpness, breakage and inability to curl not to mention the white flakes.
10. Did you know that if you use a towel after your shower to dry your hair you are causing split ends and adding static electricity to your hair. Don’t rub the towel back and forth over your hair, scrunch the towel around your hair like your would scrunch crackers in your soup.
While all of these tips won’t make you look like you’ve hired a personal hairdresser, they will help you look the very best that you can each and every day. When it comes to hair care, remember that you wear your hair everyday.
Now isn’t it worth the time, effort and money that it takes to keep it looking spectacular?
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Your Small Business Web Site
A website is a crucial ingredient of your marketing strategy because it can widen your target market to include anyone who has access to a computer and the internet. So, how can you reach some of those internet surfers, and how can you capture some of the billions spent in e-commerce?
A website is a crucial ingredient of your marketing strategy because it can widen your target market to include anyone who has access to a computer and the internet. Almost 60% of Canadians had access to the internet at home in 2003, and around 8 million had regular access to the internet from somewhere, either at home, at work or at school.
And that’s just in Canada. Ecommerce sales from Canada were $7.2 billion, and we only captured 4% of the global e-commerce market! So, how can you reach some of those internet surfers, and how can you capture some of that $7.2 billion spent in e-commerce?BUILDING RETIREMENT WEALTH
First, you build it
The first step is designing your website. If your company already has business cards and letterhead, it’s best to design your website around them. A matching corporate identity and website helps with branding.STARTING A BUSINESS
I like uncomplicated websites, with a simple layout and easy navigation. A nice, simple layout, with good graphics, a balanced look, and good color combinations is my #1 goal when designing a small business website.
Remember to use graphics sparingly and to optimize them for your website because internet surfers are impatient. If your page loads too slowly, they’ll leave.
Navigation should be easy to find and to use, and it should be consistent from page to page. I’ve left more than one site frustrated because I couldn’t easily find their navigation.
Small business websites aren’t static. They evolve. You need to start somewhere, and starting with an introductory website is probably the easiest. All you really need to start is five pages. You can always add pages later.
The important thing is to just do it—take the plunge and get it out there.
Are you thinking about setting up your own business? Have you an idea for a new business but are unsure about how to proceed?
If you have answered yes to either of these questions, this article could be of benefit to you. I am going to write about how to plan and create a successful small business.
Are you thinking about setting up your own business? Have you an idea for a new business but are unsure about how to proceed?
If you have answered yes to either of these questions, this article could be of benefit to you. I am going to write about how to plan and create a successful small business.
Many people are looking at ways in which they can become self-employed as they have had enough of being dictated to and fed up of long and frustrating commutes to work. FREE INFORMATION
They want the freedom of being their own boss and to be able to choose their own hours of work.
Leaving a full time career can be quite a scary prospect however. The security of having a regular income and other benefits such as a pension and a share save scheme can seem hard to let go.
I am sure many people whether rightly or wrongly have opted to stick with this security and to merely keep their business plan as an idea, which they never see through or use.
Other people are willing and happy to take the risk and see it as a way of getting out of the rat race.
When you have an idea for a new business you then need to think of a name to call it. I would keep this name quite short as it makes it easier to remember for people.
It obviously needs to have something to do with the business sector you are entering.
You will now need to work out how much money you will need to set up the business. This can be quite daunting but is essential.EARN ADDITIONAL INCOME
In the short term I would advise to keep these start up costs as low as possible, you can always buy or rent better machinery in the future as an example.
Once you are aware of how much money you need, you then have to find it. You may have enough yourself via savings or a redundancy payout, however most people are not in this position.
If you do not have enough money, you could try and raise money via the family, by seeking a partner or by releasing the equity from your house. There is also the option of a business loan.
The next stage is to market your product or service. There are many ways of doing this including:
The internet via a website
An advert in the newspaper
Direct marketing in the form of leaflets
An advert in the yellow pages
Exhibitions
Trade fairs
I would advise finding out where other people from your industry advertise as they will have tried and tested many of the above options.
You then need to work out how much to charge for your product or service. I always keep these charges fairly low at the outset in order to attract as many people as I can and to get some income in.
I then hope that word of mouth will take over and the idea is that after a few months I will be in a position to increase my fees.
It is also important to realize that we will make mistakes along the way. When this happens we need to think positive and not to beat ourselves up. It is an experience we can learn from.
Always have belief in yourself. At times any business will go through a rocky period, this is when we need to be strong.
In my opinion the more work we put in, the more rewards we are likely to obtain.
Self-discipline is one of the keys to your success. Being able to choose your own hours of work may seem like a dream but it can prove to be many peoples downfall.
We have to ensure that we work the required amount of hours. It is far too easy to stay in bed for that extra hour or to arrange yet another game of golf.
These things are fine once you are established, but this is a long way off at this stage.
