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Latest News

6/3/2019
When is PTSD Awareness Month and why does it matter?


5/21/2019
When is Memorial Day and how is Memorial Day different from Veterans Day?


5/1/2019
Do military veterans need long-term care insurance?


Archived News

4/15/2019
What happens to my SGLI when I leave the military?
4/1/2019
What is Month of the Military Child?
3/15/2019
Lifelong online shopping discounts for military veterans
3/1/2019
Free tax preparation help for military members and retirees
2/18/2019
USBA military families: $2,000 scholarship application now available
2/1/2019
Money-saving travel news for military veterans
1/15/2019
What are the top 3 places for veterans to live in 2019?
1/7/2019
How to get the most out of a job fair for transitioning military
12/18/2018
How do you know when it’s time to review your military life insurance?
11/30/2018
Your ultimate guide for sending holiday care packages to deployed loved ones
11/20/2018
Would you like free tickets to an NFL game, big-name concert or Disney World?
11/1/2018
Vision insurance now available to active duty military families and retirees
10/30/2018
USBA introduces new long-term care program
10/4/2018
USBA introduces a new identity theft protection for military veterans, federal employees and their families
9/17/2018
Insurance changes ahead for military retirees
9/4/2018
Why we observe Patriot Day 2018
8/15/2018
Are you a military transitioner going back to school?
8/2/2018
Honoring fallen heroes and their families
7/17/2018
What veterans need to know about SGLI
7/9/2018
Update on new veterans’ memorial
6/15/2018
Military spouses are transitioners, too
6/4/2018
Career resources for transitioning military
5/18/2018
GI Bill® Comparison Tool makes college planning easier
5/7/2018
How to avoid paying state income tax on your military retirement pay
4/16/2018
Tips for military family travel
4/4/2018
Purple Up! for U.S. military children
3/1/2018
Thousands of disabled military veterans due special tax refunds
2/16/2018
USBA Military Families: $2,000 scholarship applications available
2/2/2018
Life insurance: A unique Valentine’s Gift
1/16/2018
USBA: Life insurance for military veterans and federal employees
1/2/2018
Help for military transitioners in 2018
12/15/2017
Why now is a good time to review your military life insurance
12/4/2017
How military families handle the holidays
11/16/2017
Paying tribute to our fallen military heroes this holiday season
11/2/2017
What makes Veterans Day different from Memorial Day?
10/22/2017
Attention USBA Members in California, Texas, Florida, Georgia, Puerto Rico & the US Virgin Islands
10/20/2017
National Day of the Deployed is October 26th
10/2/2017
Getting help for homeless veterans
9/18/2017
Tips for tackling military spouse joblessness
9/14/2017
Want to Win a Free Gift Card for being a Social Media Guru?
9/1/2017
Win a Free Gift Card for Posting to USBA
9/1/2017
Insurance information for transitioning military members
8/15/2017
Where to get help getting veterans benefits
8/2/2017
Military Caregivers: A different kind of hero
7/17/2017
Moving season is here for the military
7/1/2017
Advanced technology helps identify military remains
6/15/2017
Plans for new veterans memorial making progress
6/1/2017
DoD retirement calculator now available
5/15/2017
Veterans Choice Improvement Act signed into law
5/3/2017
National Military Spouse Appreciation Day 2017 is May 12th
4/16/2017
Changes coming to the U.S. military commissary near you
4/3/2017
April salutes our country’s military kids
3/17/2017
Free resources for at-risk military veterans
3/1/2017
$2,000 scholarship available to USBA families–Apply by March 31st
2/16/2017
Portable USBA Insurance for U.S. Military and Federal Employees
2/7/2017
How the New U.S. Military Retirement System Affects You
2/3/2017
Do you know when your SGLI ends?
1/17/2017
Get help finding your next job—in and out of the military
1/4/2017
Free tickets for military members, veterans and their families
12/29/2016
Free resources for military-to-civilian job seekers
12/29/2016
Free resources for military-to-civilian job seekers
12/18/2016
Veterans, did you know sitting is the new smoking?
12/6/2016
Remembering Veterans One Wreath at a Time
11/16/2016
Holiday gifts for deployed military members
11/8/2016
How Tootsie Rolls saved military lives during the Korean War
10/17/2016
USO supports transitioning service members and their families
10/7/2016
Medical and travel emergency assistance for USBA members
10/1/2016
If you’re considering VGLI, read this first.
9/29/2016
Need help selecting life insurance?
9/29/2016
Need help selecting life insurance?
9/15/2016
What military service members and Danica Patrick have in common
9/1/2016
Military veterans get help with PTSD from rescued wolves
8/15/2016
Benefits you may not know about for Veterans
8/1/2016
Iraq and Afghan Vets: This may apply to you
7/1/2016
DoD SkillBridge: Opening the doors to civilian jobs for transitioning military
6/15/2016
Military families visit national parks for free
6/1/2016
Honoring America’s Heroes-Memorial Day 2016 Recap
5/25/2016
Honoring the memory of our military veterans
5/9/2016
What’s the difference between term and whole life insurance?
4/15/2016
Beware of phishing scams targeting veterans
4/1/2016
A salute to all our military kids
3/15/2016
Calling all artists–enter the 2016 Veterans Day Poster contest
3/1/2016
New Deadlines! Tax time is just around the corner
2/15/2016
Protect your right to transfer your GI Bill with current benefits
2/1/2016
Military bases no longer accept driver’s licenses from 5 states
1/21/2016
Free assistance for job-seeking military transitioners
1/2/2016
Use military discounts to save on lift tickets, lodging and more
12/15/2015
Keep your life insurance beneficiary current
12/1/2015
Meaningful gifts for those serving in the military
11/16/2015
How to expand your civilian job opportunities with a master’s degree
11/2/2015
Veterans Day is November 11th
10/15/2015
Transitioning? Don’t forget life insurance
10/2/2015
Resources to help veterans address transition-related issues
9/15/2015
Transitioning Military Members: Get $5,000 no-cost AD&D insurance
9/1/2015
Transitioning veterans fly free to job interviews
8/17/2015
Review your life insurance using this 6-point checklist
8/1/2015
Why military personnel need to understand their credit scores
7/15/2015
You’ve earned your VA benefits—now use them
7/1/2015
Important DD 214 information for military veterans
6/15/2015
Military families get FREE annual pass to national parks
6/1/2015
Military Smokers: Get help quitting
5/16/2015
FREE white paper helps military transitioners in job search
5/1/2015
May is the 16th annual Military Appreciation Month
4/15/2015
Why now is the time to buy a home with a VA Loan
4/1/2015
Military Children Serve, Too!
3/17/2015
College scholarship exclusively for USBA families--Deadline is March 31st
3/4/2015
Veterans & Active Military: Get free help preparing your taxes
2/15/2015
Learn from veterans who’ve already transitioned
2/2/2015
What do life insurance and February 14th have in common?
1/6/2015
US Military Members: Are SGLI and VGLI enough?
12/16/2014
Transitioning? Active duty service members get extension to access MilConnect
12/1/2014
Share your holiday spirit with deployed US Military
11/15/2014
Leaving the military? Get 5 tips for job interviewing
11/1/2014
Thanking our military veterans this month
10/17/2014
Honoring deployed service members and their families
10/2/2014
Leaving the military? Make sure you meet MEC or it could cost you
9/15/2014
Get military discounts on consumer goods, tactical gear, sports events and more
9/4/2014
Who Do You Protect? Show us and you could win $500
9/1/2014
2014 USBA scholarship winners head to college
8/15/2014
Life Insurance for Military: Which of these apply to you?
8/1/2014
Who is eligible for USBA membership?
7/15/2014
5 tips for transitioning military who want to be entrepreneurs
7/1/2014
Vacation deals and discounts for military families
6/15/2014
Do you know when your SGLI ends?
6/3/2014
Military cuts ahead. USBA stands ready to help you.
4/22/2014
Unique life insurance protects two lives with one premium payment
4/11/2014
Important Announcement – Heart Bleed Virus
4/1/2014
April is Month of the Military Child
3/16/2014
Two kinds of insurance for military families
3/4/2014
PTSD isn’t a battle you want to fight alone
2/16/2014
Transitioning Out of Military? Here’s a throwback from Korea and Vietnam
2/3/2014
Getting ready to enter the civilian job market?
1/15/2014
2014 New Year’s Resolution: Find out if you have enough life insurance
1/3/2014
$2,000 college scholarship exclusively for USBA families
12/15/2013
Heading back-to-school after transitioning in 2014?
12/4/2013
Military vacation deals for the holidays
11/15/2013
Did you know USBA’s gone mobile?
11/1/2013
How are you observing Veterans Day 2013?
10/15/2013
Honoring those deployed and their families
10/1/2013
What recent changes in TRICARE mean
9/16/2013
Honoring Our Country’s Gold Star Mothers and Families September 29
9/2/2013
Transitioners: Get help figuring the civilian salary equivalent to your military pay
8/15/2013
Did you know?
8/1/2013
Planning ahead helps your family later
7/15/2013
Need help paying for college for your child or spouse?
7/1/2013
Transitioning soon? Start your civilian job search here.
6/15/2013
Dreaming of a Disney Vacation? Special Summer Discount for Military Families
6/2/2013
What makes USBA different?
5/15/2013
Celebrate Memorial Day with USBA
5/1/2013
Planning a vacation? Check out the Armed Forces Recreation Centers
4/15/2013
How to know if you have enough life insurance
4/1/2013
April is “Month of the Military Child”
3/15/2013
Is long-term care insurance right for you?
3/1/2013
Why spouses need life insurance too
2/19/2013
If travel is on your radar, read this:
2/3/2013
Jumpstart your 2012 taxes in February
1/22/2013
January is a good time to finally ...
1/6/2013
Are you retiring or transitioning in 2013?
12/17/2012
Last-minute Gift Ideas
12/2/2012
"Military Child of the Year" nominations due December 15th
11/15/2012
Why New York Life Insurance Company?
11/1/2012
Veterans Day Facts that May Surprise You ... Including Freebies
10/17/2012
10 FREE Resources for Transitioning Veterans
10/2/2012
What Happens Next?
8/30/2012
What’s important about September?
8/28/2012
Transitioning? Use this Planning Checklist
8/14/2012
Leaving the military within next 18 months?
7/18/2012
What makes Uniformed Services Benefit Association (USBA) different?
7/9/2012
Is “Enough” Really Enough?
5/7/2012
Members Share “Power of One” Benefits
4/20/2012
Before You Skip a Premium...
3/22/2012
Group Gives Life to Dying Ritual
3/22/2012
“Invisible Warriors”
7/13/2011
Need to Pay Your Premium?
7/30/2010
How USBA Life Insurance Claims Are Paid
3/7/2010
Leaving the Military: Sign up today for $5,000 No-Cost AD&D!
11/28/2009
USBA Debuts Long Term 20SM Year Group Life Insurance Plan
11/28/2009
Solid Financial Ratings Mean Solid Insurance Plans For You

 

6/3/2019
When is PTSD Awareness Month and why does it matter?

June is national PTSD awareness monthJune is national PTSD Awareness Month. Many people have heard of PTSD, but don’t know what it is or how it affects our U.S. service members and their families. Now is the time to learn more. 

PTSD stands for Post-Traumatic Stress Disorder, a condition that can affect veterans and non-veterans alike. PTSD may occur when someone experiences or witnesses a shocking or dangerous event on the battlefield or in everyday life. Having PTSD is not a sign of weakness. Seven to eight percent of the general population will experience PTSD at some point in their lives. For veterans, the numbers can be higher.

According to the U.S. Department of Veterans Affairs, the number of veterans with PTSD varies by service era:

  • Operations Iraqi Freedom (OIF) and Enduring Freedom (OEF): Between 11%-20% who have served in OIF or OEF have PTSD in a given year.
  • Gulf War (Desert Storm): Approximately 12% of Gulf War veterans have PTSD in a given year.
  • Vietnam War: It’s estimated that 30% of Vietnam veterans have had PTSD in their lifetime.

The specific nature of PTSD-related trauma varies greatly. And while combat and combat-related military service can be traumatic, not everyone who serves under these conditions reacts in the same way. Some may develop PTSD symptoms, while others remain unaffected.

Shell shock or battle fatigue were terms once used to describe the symptoms of what now is called PTSD. Today, the symptoms of PTSD are better understood and recognized by the Department of Veterans Affairs as a service-related condition.

Having PTSD is not
a sign of weakness.

Attitudes about and understanding of PTSD began changing in 1980 when it first was recognized as a specific condition with identifiable symptoms. Post-Traumatic Stress Disorder is now listed in the American Psychiatric Association’s Diagnostic and Statistical Manual of Mental Disorders (DSM).

As with many mental health concerns, PTSD has no single tell-tale sign. There are a variety of symptoms that can be associated with the condition. Many of these may seem relatively harmless on their own such as bad dreams, sleeplessness and irritability. Other symptoms include repeated and unwanted memories or flashbacks of a traumatic event, feeling emotionally detached, intense guilt, angry outbursts or avoiding situations that are reminders of the trauma. Learn more about PTSD and veterans’ symptoms.

In extreme cases, a person may experience suicidal feelings or self-destructive urges and should get help immediately by calling 1-800-273-8255, texting 838255 or connecting with a crisis responder online. This support is free and available to all service members, veterans, and their families and friends.

Treatments vary by individual. Some of the most innovative include animal-assisted therapy using specially PTSD-trained service dogs, horses and rescue wolves. The most important thing is to get help and realize you or your loved one are not alone in this battle. 

USBA is a not-for-profit organization providing affordable insurance, financial products and services to Active Duty, Retired Military, Transitioning Military, Veterans, National Guard and Reserve Members, Federal employees and their families. At USBA, we remain: Armed with Compassion. Dedicated to Service.℠


5/21/2019
When is Memorial Day and how is Memorial Day different from Veterans Day?

USBA Memorial Day eCard 2019 - soldier placing flags at cemeteryMemorial Day is a federal holiday observed annually on the last Monday of May. This year Memorial Day falls on Monday, May 27th. While many Americans may think of it as a day for picnics and parades, its meaning goes much deeper for the families of our fallen soldiers, airmen, Marines, Coast Guard and sailors. It’s a time when our country pays tribute to veterans who died while serving in the military service, particularly those who died in battle.

Memorial Day began sometime after the Civil War. It started with both formal and informal ceremonies at the graves of soldiers who had fallen in battle. In 1868, the Grand Army of the Republic, a Union veterans’ organization, established May 30th as Decoration Day, a time for the nation to decorate military graves with flowers. This custom continues today with the placing of flags and flowers on military graves across the United States. In 1971, Memorial Day was declared a national holiday to be celebrated on the last Monday in May.

People who haven’t served in the military often wonder what makes Memorial Day different from Veterans Day. Veterans Day is also a federal holiday that always falls on November 11th. It’s a day set aside to thank and honor all veterans who have served honorably in the military during both war and peace. Veterans Day is an opportunity for us to thank living veterans of all branches for their service and sacrifice that have kept our country safe and secure.

This year, as in the past 11 years, USBA will commemorate Memorial Day by sharing an electronic postcard as a tribute to those who have died in service of their country.

Photo courtesy of Department of Defense. Photo by Spc. Lane Hiser.



5/1/2019
Do military veterans need long-term care insurance?

USBA long-term care offer for MembersHere’s why veterans, regardless of age, should consider having long-term care insurance as part of their personal financial plan.

Nearly 70% of Americans turning 65 will need some type of long-term care services in their lifetime.¹ This care could be provided in-home or in an assisted living facility or nursing home. However, in the case of veterans, the need for long-term care often comes at a younger age due to a military service-related injury, accident, illness or conditions such as PTSD.

There are over 5.5 million in-home military caregivers in the U. S. with nearly 20% providing long-term care for veterans who served since the attacks of September 11, 2001.² These caregivers are typically unpaid family members. Studies show military caregivers experience more health problems and face greater strains on family relationships.*

Having a plan for how you want to handle long-term care should you need it could save your family money, reduce stress, provide for essential care and support, and allow you to continue making your own choices. Here are some things you should know as you plan ahead.

  • Long-term care isn’t covered by Tricare, Social Security, health insurance or Medicare. It may be covered by Medicaid, but only if you meet financial need requirements. Having pension income such as military retirement pay may disqualify you.

  • The median cost of long-term care in a nursing home semi-private room is over $89,000 a year. Care in a full-time, assisted living facility is $48,000 a year. Even in-home health services provided by someone other than a family member can cost over $40,000 a year.³

So, how can you cover costs like these and reduce stress on your family? Long-term care insurance is one option. But if you wait until you need long-term care coverage to buy it, you’ve waited too long. The younger and healthier you are when you apply, the lower your cost. It only takes a minute to find out about long-term care insurance offered through USBA. There’s no obligation.

*If someone you know is a military caregiver, he or she can find peer support and helpful resources by visiting Hidden Heroes.

USBA is a not-for-profit organization that provides affordable insurance, financial products and services to Active Duty, Retired Military, Transitioning Military, Veterans, National Guard and Reserve Members, Federal employees and their families.

¹ U.S. Dept. of Health and Human Services
² RAND Corporation, 2014
³ Genworth Cost of Care Survey 2018



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