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USBA introduces a new identity theft protection for military veterans, federal employees and their families (51)
USBA introduces new long-term care program (14)
Vision insurance now available to active duty military families and retirees (9)

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USBA introduces a new identity theft protection for military veterans, federal employees and their families (0)
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Vision insurance now available to active duty military families and retirees
USBA introduces new long-term care program
USBA introduces a new identity theft protection for military veterans, federal employees and their families

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Thursday 11/1/18 (18 days ago)

Vision insurance now available to active duty military families and retirees

Posted by nli under News at 8:03:13 PM
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FEDVIP dental coverageGood news! For the first time, comprehensive vision insurance coverage will be available to retired military veterans and their families, as well as active duty family members, who are enrolled in a TRICARE health plan.

On December 31, 2018, the Defense Health Agency’s TRICARE Retiree Dental Program (TRDP) will end. However, military retirees and their families who were eligible for TRDP will have the opportunity to enroll in the Federal Employees Dental and Vision Insurance Program (FEDVIP) for dental coverage and FEDVIP vision coverage, if enrolled in a TRICARE health plan.

Active duty family members who are enrolled in a TRICARE health plan will also be eligible to access FEDVIP vision coverage, offering additional vision care benefits that aren’t currently available through TRICARE. Active duty family members are not eligible to enroll in FEDVIP dental coverage.

Learn more about FEDVIP vision eligibility. (If you missed our earlier article about FEDVIP dental insurance for retirees and their military families, you’ll find it here.)

FEDVIP vision insurance plans are designed to cover:

  • routine eye exams and vision correction without referral
  • low vision exams
  • eyeglass frames and lenses, or contact lenses instead of glasses, at many eye doctor offices or optical retail stores
  • lens options such as shatter-resistant polycarbonate; scratch-resistant, anti-reflective, and UV coatings; and tinted and progressive lenses
  • discounts on laser eye surgery

With four vision carriers to choose from, and all plans offering both high and standard options, FEDVIP offers flexibility when selecting the right coverage for you and your family. Find out which FEDVIP vision plans are available in your area and compare premiums.

If you’re eligible, your first opportunity to enroll in FEDVIP is during the 2018 Federal Benefits Open Season, November 12 to December 10, 2018. The open enrollment is on Eastern time. This means the open enrollment period closes at 11:59 p.m. Eastern time on December 10th. If you’re in Central, Mountain or Pacific time zones, this is an important detail to remember.

Coverage starts January 1, 2019. If you are currently enrolled in a TRDP plan, you will not be automatically enrolled in a FEDVIP plan for 2019. You must enroll during open season. You can enroll online or call 1-877-888-3337.

Special note for active duty military service members: The TRDP transition to FEDVIP doesn’t impact you. Your dental and vision coverage will still be provided by TRICARE. And your family members will still be eligible to enroll in the TRICARE Dental Program (TDP). However, your military family members may benefit from this change since they will now be eligible for FEDVIP vision coverage, if they are enrolled in a TRICARE health plan. Check eligibility and compare vision coverage options in your area.

Reminder for active duty military and military retirees: While you’re thinking about dental and vision insurance, take a few minutes to review your life insurance. Does it still cover everything and everyone as you intended? If you’ve had changes in your life such as marriage, divorce, baby, adoption, remarriage, or a home purchase, you may need to add coverage or update your beneficiary. USBA offers military retiree life insurance, veteran group life insurance and supplemental life insurance for active duty military and their spouses.

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Tuesday 10/30/18 (20 days ago)

USBA introduces new long-term care program

Posted by nli under News at 12:16:46 AM
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USBA offers Long Term Care Insurance for membersDid you know 70% of Americans over age 65 will require some form of long-term care (LTC) in their lifetime? Even if you’re not 65, planning now for long-term care is as important for you and your family as planning for retirement or college. As a military veteran, you know the value of being prepared.

Anyone who’s had a loved one who needed extended care knows how financially and emotionally stressful it can be. According to the U.S. Department of Health and Human Services, these are some examples of average costs nationwide in 2017:

  • Nursing home semi-private room: $6,844 a month
  • Assisted living facility, one-bedroom unit: $3,628 a month
  • Adult day care center: $68 a day
  • In-home services, e.g. health aide or homemaker: $20 an hour

Even if you qualify, your VA benefits probably won’t be enough. Many people also think these costs are covered by Medicare, but they aren’t. In most cases, families have to use a combination of funding sources including long-term care insurance, personal income, retirement savings, and financial help from family members. But paying for LTC isn’t the only challenge. Finding and monitoring quality care can also be complicated.

That’s why USBA partnered with Long Term Care Resources (LTCR). LTCR is one of the leading independent LTC insurance agencies in the country.  LTCR represents the top LTC insurance companies in the industry and specializes in marketing LTC insurance through partnering with organizations and associations, such as USBA. By USBA partnering with LTCR, individuals are able to obtain certain plans at discounted rates not available to the general public. LTCR monitors benefits and rate information on the top (25+) carriers in the LTC market. In addition to multiple carriers, LTCR provides a variety of products to fit different needs and budgets. LTCR plans offer wide and simplified underwriting criteria, which provides more people coverage and/or lower premiums. 

Through LTCR’s experience, they learned what people need, how LTC policies work, and what problems people face each day in dealing with the emotional and financial complexities of extended health care.

In addition to LTC product offerings, LTCR developed the LTCRplus program to deliver a personal and customized approach that truly does more of what’s needed when families face a LTC crisis. LTCRplus bundles four key benefits vital to help solve the LTC puzzle:

#1 LTC Funding: LTCRplus gives you access to financial protection options providing the highest benefits for the lowest premiums and group discounts not available to the general public. For more information, download an LTCRplus Group Long-Term Care Benefit Guide. Or call 1-844-582-7587 to speak to a friendly, trained representative.  (Note: You aren’t required to purchase an LTC insurance policy to take advantage of other LTCRplus benefits.)

#2 LTC Navigation: LTCRplus provides senior care experts to help you and your family navigate the complexities of LTC including choosing the type of care to fit your needs, budget and geographic limitation. They also provide quality ratings/reviews of care providers and assist in filing LTC insurance claims to maximize the benefits you receive.

#3 LTC CareAudit: LTCRplus offers third-party professionals who specialize in monitoring and evaluating the quality of care being provided to a loved one at home or in a facility. This is a valuable service if you don’t live in the same city or state as your loved one receiving care. (Note: This is the only fee-based LTCRplus service.)

#4 LTC Legal: LTCRplus provides no-cost access to legal resources that save you time and money. Create and customize important legal documents such as advanced directives, elder care agreements, living wills/trusts, powers of attorney (legal and medical), as well as other essential family and real estate documents.

Unlike USBA life insurance for veterans, LTCRplus is available to USBA members PLUS family members and even friends with non-military backgrounds who don’t qualify for USBA membership. Please feel free to share this information with others who may be interested. 

Call 1-844-582-7587 to talk with a trained LTCRplus representative or visit here.

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Thursday 10/4/18 (46 days ago)

USBA introduces a new identity theft protection for military veterans, federal employees and their families

Posted by nli under News at 10:51:41 AM
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USBA's Identity Theft Protection for membersIdentity theft claims a new victim every 3 seconds. In 2017 alone, 1.3 million people in the United States were victims of identity fraud. Many were active military members, retired military veterans, and their families.

To address this growing threat, USBA has teamed up with IDShield to offer USBA military members, federal employees, and their families quality identity theft protection–in addition to low cost military life insurance.

Introducing IDShield
IDShield provides affordable protection that includes privacy, security, and credit monitoring, as well as identity restoration services. By special agreement, USBA members pay just 28¢ a day for individual protection or 53¢ a day for an entire family. That’s a 15% discount for individuals and 48% discount for families. Learn more and sign up online.

If you’ve never known someone who had his or her identity stolen, you may not realize the chaos it can cause. Having your identity stolen can prevent you from securing a bank loan or landing a civilian job and leave you dealing with month-after-month of calls from debt collectors. And none of this is your fault.

You also may not realize all the ways your identity can be stolen. You don’t want your world or that of your family to be turned upside down due to theft of personal information tied to credit cards, employment, phone or utilities, banking, loans or leases, government documents and benefits, online payment accounts, even healthcare insurance or medical services you’ve received. According to the Federal Trade Commission, there’s been a 40% increase in medical services-related identity theft in the last year.*

One of the many reasons USBA chose IDShield is the company’s exclusive partnership with Kroll. Kroll is the world leader in risk mitigation and identification monitoring. It works with the U.S. Armed Forces, governments, the TSA and Homeland Security.

It’s the only identity theft protection company armed with a team of licensed private investigators dedicated to restoring your identity. Members have unlimited access to identity theft consultation services provided by licensed Kroll private investigators. Members also have access to support agents 24/7/365 for emergency situations. Learn more here

And here is some more exciting news:  Unlike USBA life insurance for veterans, IDShield is available to USBA members PLUS family members and even friends with non-military backgrounds who don’t qualify for USBA membership. Please feel free to share this information with others who may be interested.

Additional tips for avoiding identity theft
According to USA.gov, these are some of the steps you should take to protect your identity.

Keep your Social Security number (SSN) and those of your children secure. Give them out only when absolutely necessary and only to those you trust.

Never respond to unsolicited requests for personal information (your name, birth date, Social Security number, or bank account number) by phone, mail, or online. 

  • Collect your mail promptly. Place a hold on your mail when you’re away from home for several days.
  • Pay attention to billing cycles. If bills or financial statements are late, contact the sender.
  • Review credit card and bank account statements. Watch for unauthorized transactions.
  • Shred receipts, credit offers, account statements, and expired credit cards to prevent dumpster diving thieves from getting your personal information.
  • Review your credit report once a year to be certain it doesn’t include accounts you haven’t opened.

When you’re a USBA member with IDShield protection, you’ll also receive timely identity theft updates to keep you informed and protected against new security threats and breaches.

Criminals are getting smarter, but you can out-smart them by planning ahead. Start by protecting your identity with IDSHIELD.

*Source: IDShield Investigator Insights, June 2018

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