Category Archives: Resources + Information

App for Military Families Puts Resources in the Palm of Your Hand

MyMilitaryLife graphicWith more than 10,000 official military and community support websites providing information for military families, it is often difficult to navigate which sites are supplying credible information. To help alleviate this frustration, the National Military Family Association launched the first mobile app of its kind, MyMilitaryLife. The app provides a customized experience that guides users through different life paths by anticipating  their needs and determining appropriate resources for them at a particular stage in military life.

There are 10 “Life Paths” that help families navigate the many adventures of military life and address key events a military family might experience during their career. For the first time families have access to trusted information right at their fingertips, specifically identified for their current life challenges and goals.

While every family goes through challenges, the military lifestyle changes quickly and often with unexpected hurdles to overcome quickly, making MyMilitaryLife a critical resource to have for every scenario.  Below is an extended look at key features and Life Paths:

Features

  • Customized to-do lists
  • Tailored resources based on Service branch, location, and needs
  • Due date reminders
  • Push notifications
  • Emergency phone numbers for military families

Life Paths

  • Having a Baby
  • Reintegration
  • Transitioning out of the military
  • Spouse Education
  • Spouse Employment
  • The Basics
  • Survivors
  • Deployment
  • Moving
  • Raising Kids

“Military families shouldn’t have to struggle with finding information they need,” said Executive Director, Joyce Raezer. “MyMilitaryLife serves as a trusted one stop shop providing families with credible information, tailored to their specific situation. We’ve verified the resources and have put it into a format that eliminates the stressful search. Understanding our families are often on the go, it is also important to ensure there is access anytime, anywhere.”

MyMilitaryLife is available through iTunes and Google Play, as well as our web portal. Take a look at our video for a quick demo of the app in action. This initiative is made possible thanks to the generosity of BAE Systems, Goldman Sachs Gives, and TriWest Healthcare Alliance, and additional support from Health Net Federal Services, Hummingbird Foundation, Magellan Health Services, and USAA. If you are interested in contributing to our mobile efforts, please donate here.

To learn more about the National Military Family Association, please visit www.militaryfamily.org.

So you’re going OCONUS — what happens now?

So you're going OCONUS -- what happens now?Just over one year ago, we received orders for our upcoming PCS. Instead of the familiar post we anticipated—GERMANY was our destination! While unexpected, it was not entirely unwelcome. After all, an opportunity to live in Europe seemed too adventurous to pass up! Once our initial glee subsided, I was suddenly overwhelmed with questions, worries, and uncertainties. I pored over the tiny print in my husband’s orders thinking that there must be something in there to answer my questions or tell me what my next step was. (Take my word…there wasn’t much in there to help!)

Where would we live? Is it true the German homes are all tiny stairwell housing? Could I bring my minivan? Do I need to learn German? Do I need to leave all of my furniture behind in storage? How will we get there? What about the dog? Do I need to buy new electronic devices and small kitchen appliances in 220v? What the heck is Command Sponsorship? What is in a CS packet? Do we need passports? [Does your brain hurt yet? Just remembering all of this makes mine ache a bit!]

I searched the Garrison webpages and checked out the newcomer guides for bits of information, but I got frustrated trying to piece it together. I spoke with friends that had been OCONUS and made contact with a few people that were in Germany to find more answers. What I really wanted was for someone to take my hand, tell me to stop worrying and give me a few steps to get started in this crazy PCS process. Why wasn’t there a handbook titled “So You’re Going OCONUS?” Well, here it is, my fellow OCONUS adventurers and worriers…a handbook to get you started!

So, You’re Going OCONUS…

Step 1. Take a deep breath and squeal with glee because ADVENTURE is coming!

Step 2. Take a deep breath and hang on to your sense of humor, because getting there may be stressful!

Step 3. You have a million questions right now. Scribble them all down so you don’t worry about forgetting them and then put the list away for now. I promise, you’ll get to it ALL!

Step 4. Determine whether it is an unaccompanied tour or if you can apply for Command Sponsorship. Command Sponsorship means that the military command is sponsoring your extended stay in a foreign country. (Some locations, like Germany, are nearly all Command Sponsored. Other areas are required to be unaccompanied tours. Each area has different rules regarding length of tours, remaining time in service, etc.) Your Personnel Officer or Assignments Manager should be able to help you with this.

Step 5. Schedule a physical (or well-woman exam) for all dependents, if they have not had one in the last 12 months. For children under two, a well-child exam is required within the last six months. This is to ensure that everyone’s medical records are up-to-date.

Step 6. Schedule your Exceptional Family Member Program Screening. There is usually a packet of papers (medical histories, medical records releases, and developmental screenings) to fill out, so pick this ahead of time. If you have civilian providers off-post, the screening will likely also require records from those providers, so make sure you get record releases for them as well. The EFMP Screening is to ensure the area you will be living has adequate medical services for your family’s needs. The screening will usually be done at the nearest Military Treatment Facility.

Step 7. Start the passport process. Official passports are required for travel and can take anywhere from 6-12 weeks to be completed. You must apply through the passport office at your nearest military installation. They can be used to travel from the US to the country on your orders only. Tourist passports are recommended if you plan to do any additional travelling during your assignment. Bear in mind, birth certificates get mailed off to the Department of State with new passport applications. So, unless you have extra certified copies of your birth certificates, you must wait for one passport (with birth certificate) to arrive before you do the other passport. I would suggest applying for your official one first; without it you won’t go anywhere, but your service member still has to arrive by that report date! (Tip: Depending on the state, requesting extra certified birth certificates is easy to do online, inexpensive, and arrives quickly.)

Step 8. Start researching your destination! Contact the Relocation Office for information. Next, work those military friends! The odds are good that someone’s been there recently or knows someone who has; use those connections as a resource. Official and unofficial Facebook pages have popped up for each location. Try searching the installation name in Facebook and see what pages exist. Making contact with people in the area is a great way to get school recommendations, housing suggestions, get a feel for size/storage options in the new housing areas, etc. A word of caution: be sure to fact check any advice you are given with the appropriate agency before making any decision. (For example, check with Transportation before you sell all your furniture because Suzy Q. told you that you can only bring 2,000 lbs of household goods with you!) And, of course, be sensible with your personal information as you make contacts.

Step 9. Start looking at the calendar and think about your travel plans. Your transportation office will be able to give you delivery estimates for your vehicle, household goods, and unaccompanied baggage.

Step 10. Remember that list from Step 3? Get it back out and take another look at it. I’ll bet you’ve eliminated quite a few of your questions by now! Go ahead, congratulate yourself! And enjoy the adventure!

What tips would you offer to military families moving overseas?

Posted by Jennifer Herbek, Volunteer with the National Military Family Association

Hmm, what to do with your tax refund? 6 tips for military families

Hmm, what to do with your tax refund? 6 tips for military familiesWill your family receive a tax refund this year? The average tax refund is around $2,800 and slightly more for direct deposit refunds. Even if your refund is more or less than the average, we have a few tips to make your money work for you.

Military families encounter fluctuations in household income for a variety of reasons including: deployment and training incentives; bonuses; loss of income from a spouse’s job; or cost of living adjustments after a military move. A tax refund may provide the funds you need to help account for the changes in household income. Here are some tips to consider:

  • Review your emergency savings funds. Do you have money set aside for unexpected expenses? Out of pocket costs for an upcoming Permanent Change of Station (PCS)? Consider starting or adding money to a designated emergency savings account.
  • Pay down debt. Use your refund to pay down or pay off a high interest credit card.
  • Contribute to your retirement plan. An extra contribution to your service member’s Thrift Savings Plan (TSP) or your own retirement account can go a long way.
  • Deployment savings. If your service member is deployed, consider adding your refund to the Savings Deposit Program. A total of $10,000 may be deposited each deployment and will earn 10% interest annually.
  • Save for college. If you have children, you can contribute to a college 529 savings plan. Going back to school as an adult? You can put your refund towards a 529 plan for yourself, too.
  • Don’t spend your refund before your receive it. Wait for your refund to arrive before you spend the funds. You can track the status of your federal refund online.

Before you are tempted to spend the extra money on a shopping spree, review your current financial situation. It may be helpful to talk to a financial counselor at your local military installation or through Military OneSource to help you decide how to put your refund to good use.

How will you use your tax refund? 

katiePosted by Katie Savant, Government Relations Information Manager at the National Military Family Association

Everything you need to know about the new TRICARE West Region Contractor, UnitedHealthcare Military & Veterans

Everything you need to know about the new TRICARE West Region ContractorThis month, the contractor managing the health care benefit in the TRICARE West Region changed from TriWest to UnitedHealthcare Military & Veterans (UnitedHealthcare). If you are enrolled in the TRICARE West Region, you should have received a welcome packet from UnitedHealthcare.

The TRICARE West Region includes Alaska, Arizona, California, Colorado, Hawaii, Idaho, Iowa (excluding the Rock Island Arsenal area), Kansas, Minnesota, Missouri (excluding the St. Louis area), Montana, Nebraska, Nevada, New Mexico, North Dakota, Oregon, South Dakota, Texas (the southwestern corner, including El Paso), Utah, Washington, and Wyoming.

Continuity of care remains a top TRICARE priority, and UnitedHealthcare officials have pledged to the National Military Family Association and other beneficiary groups that it will make every effort to conduct a smooth transition. Here are some tips to help ensure your family has a smooth transition:

Keep Contact Information Handy
UnitedHealthcare Military & Veterans
1.877.988.WEST (1.877.988.9378)
www.uhcmilitarywest.com

Review your Primary Care Manager (PCM)
UnitedHealthcare has recruited more than 90% of the PCMs in TriWest’s network to be in their network. A searchable online directory is available on UnitedHealthcare’s website. If you do not see your current PCM listed in the directory, do not be alarmed. UnitedHealthcare is will continue to add more providers. It is recommended your ask if your provider is part of UnitedHealthcare’s network before you seek services.

Explore Enhanced Benefits
UnitedHealthcare will provide new benefits including Convenience Care Clinics, Urgent Care Centers, Centers of Excellence, and Telemedicine services. Keep checking the UnitedHealthcare website for more information about the enhanced benefits.

The National Military Family Association welcomes UnitedHealthcare to the TRICARE community. We look forward to continuing our ongoing dialogue about how to best meet the health care needs of military families in the West Region.

katiePosted by Katie Savant, Government Relations Information Manager at the National Military Family Association

It’s not too late to figure out what you want to be when you grow up

It's not too late to figure out what you want to be when you grow upAs a kid we knew what we wanted to be when we grew up. Well, we had to have an answer – we were asked the question all the time.  Although, in my case, I didn’t know. Not until I was about 30 years old.

I married my husband in college and was thrust into military life right after we graduated. I only worked for about 18 months at the beginning of his career. Then we relocated overseas and within three years I had two beautiful children. This was my life. Mom, wife, military spouse.

When my husband started training and gearing up for long deployments, I knew I needed to get involved. So I started volunteering. Within two years I knew I wanted to support other military families. There was a need, and I loved it so much. It was a perfect fit.

When the FINRA Military Spouse Fellowship applications opened through the National Military Family Association in 2010, I applied. Having an undergraduate degree in psychology, I thought the idea of financial counseling sounded very interesting.  After finishing the program in about 11 months, I realized that not only did I have a passion for supporting military families, but I loved financial counseling. So, here it was—the career I always wanted with the passion I already had.

With our relocation to the National Capital Region, I found a position with the Consumer Federation of America as the Military Saves Coordinator. Now, I am in charge of a program that affects military families on a broad scale. I am able to use my knowledge as a financial counselor, military spouse, and all those years as a volunteer to support military families’ financial well being.

The FINRA Military Spouse Fellowship was instrumental in helping me develop a successful career path. Opportunities like this for military spouses are priceless. I am so thankful for organizations like FINRA Foundation, National Military Family Association, the Association for Financial Counseling and Planning Education, and the Department of Defense that tirelessly work to provide these opportunities.

As we move to our next location, the skills and experience provided by the Fellowship give me confidence to pursue a mobile career—a welcome advantage in meeting that challenging feat.

The 2013 FINRA Investor Education Foundation’s Military Spouse Fellowship Program is now accepting applications. Learn more about this opportunity and apply today!

Posted by Andia Dinesen, AFC ®, Military Saves Coordinator, FINRA Military Spouse Fellowship Recipient, military spouse, and mother of two

Military Saves: Set a Goal. Make a Plan. Save Automatically.

Military Saves: Set a Goal. Make a Plan. Save Automatically.The theme for Military Saves Week 2013 is more than just a theme; it’s the essence of a sound approach to savings, designed to help individuals take financial action. Set a Goal. Make a Plan. Save Automatically. Knowing what you want to save for, how to achieve it, and then automating the savings process will allow you to reach your savings goal.

Set a Goal

You can save more by having a specific goal in mind. Visualizing what you want to save for gives your savings a purpose. You may be tempted to spend your savings if it has no purpose. But once you have a goal in place, you know that taking money out of your savings is taking away from that ultimate goal. So what are you saving for? An emergency fund, a home, retirement, a car? Go viral with your savings goal! Take a photo of your goal and post it on our Association’s Facebook page or tweet it using the hashtag #MSW2013.

Make a Plan

Once you have your goal in place, make a plan of how you are going to save. To start, cut down on your spending and reduce high-cost debt. Next, keep track of what you spend and make a budget. Once you know where your money is going each month, you can cut down on unneeded spending and save the difference.
Don’t forget to keep your savings safe, secure, and growing. Banks, credit unions, and even the government offer a variety of financial products that can help you save.

Save Automatically

It can be hard to put aside money for savings. But there is an easy way to save money without ever missing it. Once you know how much you can save, make saving automatic. Use an allotment or automatically transfer a portion of your paycheck into a savings account.

We want to hear from you! Have you already set a goal? Made a plan or budget? Do you save automatically? Share what has worked for your family.

ccPosted by Christine Gallagher, Government Relations Deputy Director at the National Military Family Association

MyMilitaryLife app for military families – updates and a new look!

MyMilitaryLife app for military families - updates and a new look!Have you seen the new updates to MyMilitaryLife? We now offer four new Life Paths—Raising Kids, Having a Baby, Moving, and Reintegration. Remember to answer the new questions that pop up when you visit these Life Paths and be sure to regularly update your profile information in order to have customized content available to you and your family. The more you fill out your profile, the better MyMilitaryLife can tailor information to your life.

In addition to four new Life Paths, we’ve also been working on a new look for the App! The new design features a swipe action and larger images to make it easier to navigate and discover the answers you’ve been looking for. Just swipe your finger right to left to progress to the next Life Path. Once in a Life Path look to the top left of the screen for easy access to the menu that includes your profile, favorites, alerts, help, and a shortcut to other Life Paths.

To get the latest look and additional Life Paths be sure to update your MyMilitaryLife App today. Android users will see the app updates automatically, but iPhone users must manually update the MyMilitaryLife App.

If you loved the old design, don’t worry – in the upper right hand corner of the App is an option to go back to the previous look. Personally, I love the new look and how user friendly it is to swipe from one Life Path to the next.

If you haven’t downloaded MyMilitaryLife, do so today to receive personalized to-do lists to help you navigate the many adventures of military life. MyMilitaryLife is available for free on Android, iPhone, and an online portal at www.MyMilitaryLife.org.

What do you love most about the new upgrade?

simmoneBy Simmone Quesnell, Content Specialist for MyMilitaryLife at the National Military Family Association

Military families and Earned Income Tax Credit – what you need to know

Military families and Earned Income Tax Credit - what you need to knowFor many of us, tax season comes with a sinking feeling. The incomprehensible forms, piles of documents to sort through, and the unwelcome prospect of writing a large check to the IRS leaves us with a splitting headache.

However, tax season does not have to bring bad news. In fact, some military families may find that they are eligible for an income tax credit that will allow them to keep more of the money they have earned, thanks to the Earned Income Tax Credit.

The Earned Income Tax Credit (EITC) is a refundable tax credit for low to moderate income families. To qualify, your taxable income must fall below a certain threshold. For 2012, a married couple with two children may qualify for the EITC if their earned income and their adjusted gross income are below $47,162. Remember that allowances, such as Basic Allowance for Housing (BAH) are tax-exempt. Combat pay is normally not taxable but you can elect to have it included in your Earned Income if doing so increases the amount of your credit.

Intimidated? Don’t be. There are plenty of resources to help military families tackle tax season. The most important thing to remember is that in order to qualify for the EITC you must file a tax return, even if you do not owe any tax or are not required to file. For more information about the EITC, check out the IRS online guide for families and individuals.

Do you think you might qualify for the EITC? What other tax tips do military families need to know? 

eileenPosted by Eileen Huck, Government Relations Deputy Director at the National Military Family Association

Military spouse education: the costs, the options, and whether it’s right for you

military spouse educationThe same story is told throughout military communities and within military support systems—military spouses are hard pressed to find employment. PCS moves are frequent and jobs come and go. Luckily there is a way to help combat the unemployment woes. Education.

Not only will a higher education increase the chances of employment for military spouses, it will contribute to your family’s financial well-being. A study from CollegeBoard.org reports, “the typical bachelor’s degree recipient can expect to earn about 66% more during a 40-year working life than the typical high school graduate earns over the same period. Higher earnings are one of the important outcomes of higher education. Average earnings for adults increase with years of education and particularly with degree completion.” Higher education degrees are now more accessible to military spouses thanks to distance learning programs.

The education community has shifted in favor of military spouses. Many private and public universities offer reputable degree programs online, an attractive option for mobile military spouses. Distance learning can also be more flexible when it comes to your military family calendar. Find additional information on pursuing a degree in higher education in our website section on spouse education.

One necessary price I know of that comes with education is the cost of tuition. To alleviate the inevitable costs of higher education, military spouses have options. Visit your installation’s Family Center, Education Center, and the financial aid office at the school you wish to attend for more information on financial assistance. Various military associations, including the National Military Family Association and some military spouse clubs, offer scholarships for military spouses. If eligible, you can use a portion of your service member’s GI Bill or apply for government funding through MyCAA.

The National Military Family Association is made up of many military spouses like me, so we know firsthand the importance of military spouse education and the difficulties that come with achieving higher education due to moves and expenses. If you’ve been following us on our website or social media, you know our Joanne Holbrook Patton Military Spouse Scholarships are awarded to spouses of all Uniformed Services members and applications are live online now. The application deadline is TOMORROW, January 31st – there is still time to apply here!

I truly believe an education outweighs the cost that comes with more schooling. As a military spouse, my education has broadened my career options and allowed me pursue opportunities that would not be available if I did not have a degree.

Are you starting or continuing your education? What challenges have you faced in doing so and what resources have worked for you?

alliePosted by Allie Jones, Military Spouse Scholarship Program Manager at the National Military Family Association

20 years of the Family and Medical Leave Act – are you covered?

20 years of FMLA - are you covered?When you are welcoming a new baby, caring for an ill family member, or struggling with an illness yourself, your job is probably the last thing on your mind. Family challenges sometimes require our undivided attention, even if that means taking some time off work. This reality was addressed twenty years ago, when the Family and Medical Leave Act (FMLA) was signed into law. Since 1993, the FMLA has helped thousands of American workers by allowing them to take up to 12 weeks of unpaid leave to care for themselves and their families, secure in the knowledge that their jobs would be waiting for them when they came back.

In 2008, the FMLA was expanded to cover the families of service members. The new provisions allow family members of wounded, ill, or injured service members and veterans to take unpaid leave to care for them. Families of service members deployed overseas are also eligible to take unpaid leave in some circumstances. The expansion of the law has benefited many military families. As one spouse of a wounded veteran says, “It has been really a huge relief to know my job is protected but I can use the days as needed for his care.”

However, not every military family affected by deployment, illness, or injury is able to take advantage of the FMLA. To be eligible, an individual must have been employed by his or her employer for at least 12 months. Smaller companies with fewer than 50 employees are not covered by the Act. And some families of seriously wounded service members find that recovery takes longer than the 26 weeks of unpaid leave allowed under the FMLA, which forces them to quit their jobs.

February 5 is the 20th anniversary of the passage of the FMLA — a chance to look back on how the law has helped families and where it has fallen short. The National Partnership for Women and Families is collecting stories from people who have used leave to care for a new or adopted child, a sick family member, their own serious health condition, or to address a family member’s military deployment. They also want to hear from people who haven’t been able to rely on the FMLA’s protections because they weren’t covered by the law or couldn’t afford to take leave without pay.

Do you have a story to share about the FMLA? Visit the National Partnership for Women and Families’ Story Collection Survey and tell them about your experiences – or leave a comment below.

eileenPosted by Eileen Huck, Government Relations Deputy Director at the National Military Family Association