Delta Amex Credit Card #delta #skymiles #amex #benefits



Gold, Platinum and Reserve Cards

Gold, Platinum and Reserve Delta SkyMiles Credit Card Members may enjoy exciting travel perks, including:

  • No Foreign Transaction Fees: No matter where you’re traveling, when you use your Gold, Platinum, or Reserve Delta SkyMiles Credit Card there are no Foreign Transaction Fees from American Express 1 .
  • Priority Boarding: Board early, and be one of the first to secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff 2 .
  • A First Checked Bag Free: Check your first bag free on every Delta flight – that’s a savings of up to $200 per round-trip for a family of four 3 .
  • Bank More Miles: You can earn 2 miles per dollar spent on purchases made directly with Delta 4. and receive 1 mile for every eligible dollar spent on purchases with no mileage cap 5 .

To ensure you receive these benefits, you must include your SkyMiles number in your reservation by:

  • Providing it when booking your Delta or Delta Connection flight.
  • Adding it when checking in for your flight using any of our check-in options .
  • Looking up your itinerary and clicking Add Frequent Flyer # if it is not already included in your reservation.

All Delta SkyMiles Credit Cards

Additionally, all Delta SkyMiles Credit Card Members are eligible for the following benefits:

  • Medallion Qualification Dollars (MQD) Waiver. When you make at least $25,000 in purchases annually on your Delta SkyMiles Credit Card, your MQD requirement will be waived for that qualification year. 6
  • 20% In-flight Savings. On your next Delta flight, enjoy savings in the form of a statement credit on select in-flight purchases when you use your Card. 7
  • Not a Card Member? Apply now and discover what the Card can do for you.

    Terms Conditions

    1. American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on foreign transactions.

    2. Card Members are entitled to receive Zone 1 Priority Boarding on Delta flights. Benefit is limited to Basic Card Members (not Additional Card Members) with the Gold, Platinum or Reserve Delta SkyMiles Credit Cards. Reservation must include the Basic Card Member’s SkyMiles number. Priority Boarding is also available for passengers traveling in the same reservation as the Basic Card Member. Maximum nine passengers per reservation receive the Priority Boarding. Priority Boarding will only be available on Delta and Delta Connection® carrier operated flights. Delta does not offer Priority Boarding on Delta Shuttle® flights. New Card Members and Card Members upgrading from another Delta SkyMiles Credit Card product from American Express will be eligible for the Priority Boarding benefit after receiving their Card from American Express. Offer is subject to change without notice. Additional terms, conditions and restrictions may apply. See for details.

    3. Benefit is limited to Basic Card Members (not Additional Card Members) with the Gold, Platinum or Reserve Delta SkyMiles Credit Cards. Reservation must include the Basic Card Member’s SkyMiles number. Fee waiver also available for passengers traveling in the same reservation as the Basic Card Member. Maximum nine waivers per reservation. New Card Members and Card Members upgrading from another Delta SkyMiles Credit Card product will be eligible for the checked baggage fee waiver benefit after receiving their Card from American Express. The first checked bag fee waiver will only be applied on flight segments which originate on a Delta or Delta Connection®carrier when you check-in with Delta for both a Delta marketed and Delta operated flight. Waiver is only for normal bag fee, if any, for the first checked bag that is not overweight and not oversize under Delta’s applicable rules as set forth in Delta’s contract of carriage. Additional terms, conditions and restrictions may apply. See for details.

    4. For each dollar charged on an eligible purchase in each billing period on your Card from American Express, you earn 1 mile. You earn 1 additional mile (for a total of 2 miles) on each dollar of eligible purchases made directly with Delta (“Delta purchases”). Delta purchases are eligible purchases where Delta is the merchant of record, such as purchases via, phone reservations, or ticket counters, such as upgrades, miles, seat selection, Delta Sky Club® membership or passes, and pre-purchased meals, and in-flight purchases of food, alcoholic beverages and audio headsets, on Delta-operated flights (eligible purchases do not include any other in-flight purchases, such as in-flight wireless internet access, associated services, and charitable contributions). Delta purchases include Delta Vacation® packages but not other all-inclusive packages. Delta purchases include purchases of qualifying Delta, Delta Connection® carrier and Delta Shuttle® flights taken with the purchase of a fare that is eligible for SkyMiles mileage credit. Additional miles earned for Delta flight purchases made with the Delta SkyMiles Credit Card from American Express will be based on the total ticket price, including base fare, carrier-imposed surcharges and government-imposed taxes and fees. Eligible purchases mean purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Bonus miles will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to receive miles, your Card account must be active and not in default at the time of fulfillment. This offer is subject to change without notice.

    5. Bonus miles will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to receive bonus miles, Card Member’s account must be active and not in default at time of bonus fulfillment. Fees, interest charges, balance transfers, cash advances, purchases of traveler’s checks, the purchase or reloading of prepaid cards and purchases of other cash equivalents do not earn miles.

    6. Medallion Qualification Dollars (MQDs) Waiver: Beginning January 1, 2014, if the Medallion Qualification Dollars (MQDs) threshold is not met for a Qualification Year, you can still qualify for Medallion status if you have earned the required Medallion Qualification Miles (MQMs) or Medallion Qualification Segments (MQSs) and make at least $25,000 in Eligible Purchases within that Qualification Year on your Eligible Card. A Qualification Year is from January 1 to December 31 of a given year. The close of the Qualification Year is December 31, without regard to the time of the year that the credit card account is opened. This means that for the first year of Card Membership, the Card Member’s Eligible Purchase period may be less than twelve months. Eligible Purchases means purchases for goods and services minus returns and other credits. Eligible Purchases do NOT include fees, interest charges, balance transfers, cash advances, purchases of travelers’ checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Eligible Purchases made by Additional Card Members on the Basic Card Member’s Eligible Card will count toward the Eligible Purchase threshold. For purposes of calculating the Eligible Purchase threshold, Eligible Purchases will be combined across multiple Eligible Cards of the Basic Card Member if those Card accounts are linked to the same SkyMiles number. Eligible Cards are the following: Delta SkyMiles Options Credit Card, Delta SkyMiles Credit Card, Gold Delta SkyMiles Credit Card, Platinum Delta SkyMiles, Delta Reserve Credit Card, Delta SkyMiles Business Credit Card, Gold Delta SkyMiles Business Credit Card, Platinum Delta SkyMiles Business Credit Card and Delta Reserve for Business Credit Card from American Express. This benefit extends to Basic Card Members only (Additional Card Members are not eligible). Offer terms and conditions subject to change.

    7. Card Members will receive a 20% savings in the form of a statement credit on eligible pre-purchased meals, and in-flight purchases of food, alcoholic beverages and audio headsets on Delta-operated flights. Savings do not apply to any other in-flight purchases, such as in-flight wireless internet access and associated services, and charitable contributions. To receive the savings, Card Members must use their Delta SkyMiles Credit Card from American Express to complete the in-flight purchase. Savings will appear as a statement credit 6-8 weeks after the transaction is posted to the Card Member’s Card account. Offer is subject to change without notice. Additional terms, conditions, and restrictions may apply.

    Whole Life Insurance: Whole Life Rates – Quotes: Farmers Insurance, whole life


    Whole Life Insurance

    Whole life insurance is a type of permanent life insurance – that can insure you for a lifetime. Premiums are typically level and guaranteed for the life of the policy.

    Whole Life Policies

    Whole life is one of the most common types of permanent life insurance offered by Farmers New World Life Insurance Company. Whole life insurance combines a level premium with guaranteed cash values which the policy owner may use to meet a variety of financial goals. 3 Whole life insurance policies may also produce excess credits, which may be used to purchase additional paid-up life insurance, potentially increasing the available death benefit. Best of all, whole life policies may offer generally income tax-free 4 access to cash value and death benefits. 5

    Farmers EssentialLife Simple Whole Life 6

    Farmers EssentialLifeВ® Simple Whole Life is a modernized whole life insurance policy combining the traditional guarantees of whole life with optional riders (available at additional charge), potential to earn excess credits, and a discount 7 for customers with other Farmers insurance policies.

    Farmers EssentialLifeВ® Simple Whole Life features guaranteed level premiums, guaranteed cash values and is payable to age 100. Unlike universal life or variable universal life insurance policies, the cash value, premium requirements, and death benefit of Farmers Simple Whole Life policy do not vary based on prevailing interest rates or market performance. It may be an ideal product for customers seeking maximum certainty with permanent, lifelong coverage.

    • Simplified underwriting
    • Discounts available for customers owning other Farmers policies

  • Fast underwriting decision, after completing the application with your local agent

    Farmers Graded Death Benefit Whole Life 8

    To help prepare for life’s unexpected expenses, the Farmers Graded Benefit Whole Life is a life insurance policy for those who want permanent insurance coverage with guaranteed cash values and guaranteed level premiums with a lower face amount. With a simplified underwriting process, the Farmers Graded Benefit policy could offer otherwise uninsurable individuals an opportunity to obtain permanent whole life coverage.

    • No medical exam, just answer three simple health questions to determine eligibility
    • Guaranteed cash value accumulation
    • Guaranteed death benefit. 9 Limited death benefit during the first two policy years.

    Farmers Premier Whole Life 10

    For level insurance coverage throughout the life of the insured, Farmers Premier Whole Life features guaranteed level premiums and guaranteed cash values.

    • A wide range of face amounts for most financial needs
    • Guaranteed cash value accumulation
    • Option to add several riders and benefits available at an additional charge

    Contact a Farmers agent to learn more about whole life insurance.

    2 Lifetime coverage is guaranteed provided premiums are paid per the terms of the contract.

    3 Policy loans and withdrawals will reduce cash surrender value and death benefit. Policy loans are subject to interest charges. If your policy is a modified endowment contract, loans and withdrawals may be subject to taxes and penalties

    4 Distributions from a life insurance policy in the character of partial surrenders (withdrawals) up to basis or policy loans will generally be income tax free, provided the policy does not violate Modified Endowment Contract (MEC) guidelines and the policy is not terminated during the lifetime of the insured. MEC guidelines are rules in the Internal Revenue Code which specify maximum premiums that can be paid without triggering adverse tax consequences for withdrawals. A policy termination during the life of the insured can cause the owner a single taxable event for any gains in the policy that were borrowed or withdrawn on or before the termination date.

    5 For informational purposes only. In general, partial withdrawals from a permanent life insurance policy in excess of the policy’s basis are taxable, and limited circumstances exist where death proceeds will be taxable. Neither Farmers New World Life Insurance Company, its employees nor its Agents provide legal or tax advice. Always consult your own attorney, accountant or tax adviser as to the legal, financial or tax consequences and advice on any particular transaction.

    6 Policy form 2008-352

    7 Customers qualifying for the Farmers Customer Discount may receive up to a 6% discount on the base premium rate per thousand. Contact your agent for more details.

    8 ICC11-2011-123 or applicable state variation. Farmers Graded Death Benefit Whole Life Insurance policy. Limited death benefit during the first two policy years.

    9 The death benefit is guaranteed according to the terms of the contract and provided that premiums are paid.

    10 Policy form 1995-112 or applicable state variation. (Farmers Premier Endowment at age 100 – IN and PA.)

  • 2017 San Francisco HR Star Conference #hr #star #conference, #human #resources, #san


    *** Registration for SF HR Star 2017 is now closed. ***

    The San Francisco HR Star Conference draws 800+ HR professionals
    from terrific organizations in Northern California.

    Come celebrate our 15th year in the SF Bay area.

    There will be 17 sessions for Wednesday, July 12, 2017.

    Keynote Address:
    “I Can Read You”: Effective Communication, Incisive
    Questioning the Science of Unmasking Untruths

    Phillip R. Maltin, Esq.
    International Speaker Partner, Raines Feldman LLP

    Avoiding California’s Wage-Hour Traps
    Jennifer Brown Shaw, Esq.
    Founder Principal, Shaw Law Group, PC

    Top 10 Workplace Investigation Mistakes
    Allison West, Esq. SPHR, SHRM-SCP
    Managing Principal, Employment Practices Specialists

    Strategies to Combat Unconscious Bias in the Workplace:
    Why Raising Awareness is Not Enough

    Katherin Nukk-Freeman, Esq.
    Co-Founder President, SHIFT HR Compliance Training, LLC

    Career Development Employee Lifecycles
    Liz Ramos
    CEO, Engeniate

    Pay for Performance: Can Incentives Work?
    Shari Dunn
    Managing Director, Human Resources Compensation Consulting Practice,
    Arthur J. Gallagher & Co.

    How to Crack the Code of Employee “Disengagement”
    Jill Christensen
    Author, Speaker Employee Engagement Expert

    Navigating the Post-Election ACA Waters
    Liliana O. Salazar, Esq.
    Chief Compliance Officer, Western Region, HUB International

    U.S. Immigration 2017: Mobility Trends Legal Outlook
    Norman C. Plotkin, Esq.
    Partner, Jackson Hertogs LLP

    Steps to a “Rightful” Termination: How to Terminate without Getting Sued
    Deborah Birndorf Zeiler, Esq. MBA
    Partner, Birndorf Law Offices, APC

    What HR Can Do to Make the Workplace More Successful
    for Introverts

    Rita Sever, M.A.
    President, Supervision Matters

    Tools and Skills for More Effective Interviewing
    Dave Collins
    Founder CEO, Oak and Reeds

    Background Check Trends for 2017: What Every Employer Needs to Know
    Pri Murphy
    National Account Executive, ESRCheck

    For California Employers Pay Equity Keeps Getting More Complicated
    Leonora �Lenny� Schloss, Esq.
    Shareholder, Employment and Labor Group, Jackson Lewis P.C.

    HR’s Partnership Challenge: Mastering the Art of
    Not Being Everything to Everyone

    Bruce L. Calvin, J.D.
    President, Calvin Associates, Inc.

    Storytelling for Business: Crafting Personal Experiences into Powerful Stories
    Dave Collins
    Founder CEO, Oak and Reeds

    7 Steps to Creating Bulletproof Documentation
    Allison West, Esq. SPHR, SHRM-SCP
    Managing Principal, Employment Practices Specialists

    Assistance Finding Lost Life Insurance Policies #lost #life #insurance,life #insurance #benefits,estate #settlement,probate,trust,find


    Life insurance policyholders may fail to inform the beneficiary(ies) of a policy’s existence. In life insurance, the beneficiary is the person or entity entitled to receive the policy proceeds upon the death of insured. Because some beneficiaries are not aware of their entitlement to the death benefit proceeds, they may fail to claim them. Insurance companies would like to distribute what is rightfully due, but they are bound to identify and pay the proper beneficiaries under the policies that they issue and they may only do so when claims are made.

    Today, consumers have several options available to them when searching for life insurance policies for deceased family members, including: searches provided by state treasurer and national unclaimed property searches; insurance company Lost Policy Finders; state insurance department Policy Locators; and private, fee-based services (for instance, MIB’s Policy Locator Service ).

    First Steps.

    Check the decedent’s personal papers and address books looking for listings of insurance agents, lawyers, estate planners, and financial advisors.

    Check safety deposit boxes for an insurance policy or related papers.

    Check with any current or former employers for group life coverage or other life insurance policies purchased through work. Check with a spouse s current or former employer to determine whether spousal coverage may apply.

    Check the decedent s bank accounts/cancelled checks for premium payments or policy loan interest payments to an insurance company.

    Review the decedent s income tax returns for any distributions from life insurance companies that have de-mutualized.

    Check the decedent s mail for at least one year following his or her passing for any premium notices, dividend notices, policy status notices and statements that are mailed generally around policy anniversaries or tax time.

    Check with any fraternal organizations, associations, professional membership groups, unions and other such entities to which the decedent belonged that may make life insurance available to their members.

    Check with the decedent s homeowner s and auto insurance agent to see if they also may have sold life insurance to the decedent.

    Careful searching may provide vital clues like company names or former states of residence which may be helpful when selecting free or paid services to continue your search. If your research turns up evidence of a life insurance policy, it is best to check directly with the insurer s claims or customer service departments. Even if a policy has lapsed, benefits may still be payable under a whole life insurance policy s non-forfeiture provision.

    Finding an Insurance Company That May Have Changed Name

    If the insurer is no longer doing business or it was acquired by another insurer, a web search may uncover the successor insurance company. If you know the state in which the insurer had its home office, you should check with the state insurance department in that state to find out information about its successor. A.M. Best’s Insurance Reports. available in the reference section of many larger libraries, provides lists updated annually of insurance company names and addresses, as well as insurers’ name changes, mergers and other changes.

    Unclaimed Property

    Life Insurance Company
    Lost Policy Finders

    EarthLink Dial-Up Internet service – fast, reliable dialup access nationwide #earthlink #dial-up,


    3-Month Prepay

    Annual Prepay


    Where is EarthLink Dial-Up Internet service available?
    The good news is that EarthLink dialup access is available from just about anywhere in the U.S. We’ve got thousands of local Internet access numbers to choose from. So it’s extremely likely you can get a reliable 56K dial up connection wherever you live.

    Why should I choose EarthLink over other dial up providers?
    We’ve been providing award-winning dial-up Internet services to millions of satisfied customers for over 20 years.

    What free software, features, and benefits does EarthLink offer?
    Your EarthLink Dial-Up Internet account gives you all this:

    • Unlimited 56K dial up access
    • 8 email addresses, each with 100MB of storage space
    • EarthLink Accelerator for faster surfing
    • Free dialup software for a better dialup connection
    • EarthLink Toolbar�. featuring privacy protection
    • EarthLink Web Mail. get your EarthLink email from any online computer
    • Anonymous Email Addresses. to help protect your real address
    • spamBlocker Virus Blocker. for automatic email security
    • myEarthLink. customize a Start Page� to fit your interests
    • 10MB of webspace for your own web site
    • Award-winning 24/7 support by phone, chat, or Web

    How fast is EarthLink Dial-Up Internet service?
    Our dial up access service comes with our free dialup accelerator, a free tool that lets you surf up to 7x faster than regular 56K dial-up. And our thousands of dial up access numbers help you connect fast and reliably.

    Can I use dial up to access the Internet if I’m away from home?
    Yes. EarthLink has thousands of toll-free local Internet access numbers for you to use. Before you hit the road, add one or more that will be local for the area code to which you are traveling. It’s easy to manage multiple access numbers with our free EarthLink Access Software, which includes a free dialup accelerator.

    How do I get set up after I join?
    Order EarthLink Dial-Up Internet today and we’ll send you a welcome kit that includes all the software you need for a great dialup connection, email, security and more

    The first thing we recommend is that you install our TotalAccess dialup software to quickly and easily set up your account and get on the Internet fast. It will also help you connect and give you easy access to many of our free features

    How do I set up my email?
    All you need to do is go to and sign in with your EarthLink email address and password.

    Can I talk on the phone and use my Dial-Up connection at the same time?
    No. Unfortunately you can’t do both simultaneously with dialup.

    Is it easy to switch to EarthLink from another Internet service provider?
    Yes. It’s fast and easy to switch to EarthLink in 3 simple steps!

    • Sign up for EarthLink
    • Install our TotalAccess dial-up software and set up your EarthLink email.
    • Cancel your current dial up service.

    How do I cancel my service with my other Internet service provider?
    Many dial up Internet providers let you cancel your service via telephone, fax, or postal mail. When you contact them, be sure to have your username handy, as well as the credit card number associated with your dialup account.

    How can I pay for my EarthLink Dial-Up service?
    For your convenience, EarthLink accepts credit or debit card or bank draft.

    What are the minimum computer requirements for EarthLink Access Software?

    • Windows� 98 and later
    • Pentium 200 MHz or higher; 233 MHz recommended for XP machines
    • 64MB RAM
    • 115MB free disk space
    • Primary computer with an existing Ethernet connection


    This is a pre-paid plan for 3-months of service and is non-refundable. Offer good for a limited time to new subscribers only and not good with any other offer. Must pay with credit or debit card or bank draft. Standard monthly access fee applies thereafter (currently $24.95). Cancellation must be requested by phone, US mail, or fax before the next billing period begins to prevent further charges. Service not available in all areas. Access fees, taxes, and other fees and restrictions may apply. To learn more, review the EarthLink Internet Service Agreement.

    This is a pre-paid offer for one year of service and is non-refundable. Exclusive offer good for a limited time to new subscribers only. $174 is billed at sign up for 12-month prepay of services. Standard monthly access fee of $24.95 applies thereafter. Must pay with credit or debit card or bank draft. Standard monthly access fee applies thereafter. Cancellation must be requested by phone, US mail, or fax before the next billing period begins to prevent further charges. Service not available in all areas. Access fees, taxes and other fees and restrictions may apply. To learn more, review the EarthLink Internet Service Agreement .

    PMI KC Mid-America Chapter – PMP Certification #pmp #certification #benefits


    PMP Certification

    In addition to implementing a new PMP Certification test there was one other major change PMI made to the certification requirements. “Candidates with a Bachelor’s degree are required to have 4,500 hours and 36 months of unique non-overlapping project management experience leading and directing project tasks”. The key words here are leading and directing project tasks. Hour spend providing deliverables for projects do not count as part of the 4,500 hours. A complete list of tasks is published in the PMP Examination Specifications, but that 33 page booklet cost $39.95 (31.95 for members). Click here to see the summary .

    To qualify for the PMP credential, examine your role leading and directing projects

    These comments come from Eric Norman, PMP, a member of the PMI Certification Governance Council, where he offered guidance on the leading and directing requirement to help PMP candidates discern their contributions in this area. These comments were published in PMI Community POST.

    For project team members, the Project Management Professional (PMP) credential remains the global gold standard in certifications. Have you considered attaining the PMP?

    Employers voice confidence in PMP credential holders. As a PMP, your responsibilities may increase and your rewards may increase as well: the PMI Project Management Salary Survey-Fourth Edition reports that on average, PMP credential holders command salaries that are 17 percent higher than their non-credentialed counterparts.

    To be eligible for the PMP credential, you will need to demonstrate that you have led and directed project tasks in these performance domains: initiating, planning, executing, monitoring and controlling, and closing the project.

    Ask yourself these questions to determine if you qualify, as a PMP candidate:

    • Do you have the authority to add, assign or remove resources on your project? Or do you have the ability to influence resources?
    • Do you make budgetary decisions? Or do you influence expenditures?
    • Do you have the authority to accept risk? Or do you influence the decision-maker in this area?

    “You don’t have to be at the table when decisions are made but you do need to know what is important to your company,” Mr. Norman said. “Be able to speak to the boss about a specific decision and speak with authority about what needs to be solved. Give your input to a decision-making session. You can do this from anywhere in the organization.”

    PMP candidates should be active, not passive in their work and must be communicators. “A leader is constantly moving forward, creating vision for what needs to happen and doing analysis and work to make your communications credible,” he added.

    In the domain of project initiation, have you helped select a project and evaluate what is needed to begin such as clear objectives, a charter and adequate support and resources? Once the decision is made to advance a project, do you build the team, clarify the work breakdown structure and build the resource plan?

    Your own view of your role may benefit from a different perspective. “Be sure to look at your activities from a different direction, even on small projects. Maybe you have led and directed small teams of two to three people,” Mr. Norman adds. “What would have happened if you had not been there to influence an outcome?”

    Overview of All VA Benefits for Disabled Veterans #children #of #disabled #veterans


    Overview of All VA Benefits for Disabled Veterans

    Many benefits are available to veterans through the Department of Veterans Affairs (VA). If you are a veteran with a disability, you should be aware of all of these benefits and their eligibility requirements.

    Basic Eligibility for VA Benefits

    There is a threshold level of eligibility that must be met for a veteran to be considered for any VA benefit. To be eligible for VA benefits, a person must have:

    • been on active service, and
    • received a discharge under conditions other than dishonorable.

    After meeting these basic requirements, specific benefits programs will have additional eligibility requirements that must be met.

    Active Military Service

    Active military service includes:

    • full-time service in the United States Army, Navy, Marine Corps, Air Force or Coast Guard
    • service in the Reserve or Air or Army National Guard when service is activated by the federal government, or
    • cadets at the U.S. Military, Air Force, and Coast Guard academies and midshipmen at the U.S. Naval Academy.

    In some cases, for some VA benefits, the following counts as active service:

    • enrollment at a preparatory school at the Military, Coast Guard or Air Force academies
    • service in certain national organizations outside the Armed Forces, and
    • engaging in training for the Armed Forces.

    Discharge Under Conditions Other than Dishonorable

    Even if a veteran meets the active military service requirement above, the VA will not consider a person a veteran for benefits purposes unless they were discharged “under conditions other than dishonorable.” Qualifying discharges include:

    • honorable discharges
    • discharges under honorable conditions, and
    • general discharges.

    Veterans discharged under other than honorable conditions, with undesirable discharges, or with bad conduct discharges may or may not be eligible for benefits, depending on the particular benefit (details are available in our articles on the specific benefit; see below for links to these articles).

    Veterans with dishonorable discharges cannot receive benefits of any kind from the VA.

    A veteran can apply for a discharge upgrade or military records correction in order to obtain a character of discharge that will qualify for benefits.

    Willful Misconduct

    Veterans who are seeking a VA benefit based on a disability whose disability was caused by their own willful misconduct will be barred from receiving benefits for that disability. However, the VA will have to prove that willful misconduct caused the disability. Willful misconduct is “an act involving conscious wrongdoing or known prohibited action.

    Types of Veterans Benefits

    The following are the various benefits that veterans with disabilities can receive.

    Service-Connected Disability Compensation

    Service-connected disability compensation is a monthly cash benefit payable to disabled veterans. Eligibility for Service-Connected Disability Compensation requires, in addition to the basic eligibility requirements described above, an illness or injury incurred during service that caused a disability or aggravated an existing disability.

    For certain severe disabilities, such as loss of vision or a limb, Special Monthly Compensation is also available.

    VA Pension

    VA Pension is a monthly cash benefit that assists disabled or retired veterans.

    Eligibility for a VA Pension requires:

    • low income and assets
    • 90 days of service, including at least one day of service during wartime, and
    • total and permanent disability (or a being deemed disabled by the Social Security Administration) or age 65 or older.

    In addition, some veterans can qualify for Housebound Benefits and Aid and Attendance (A A), improved pension programs.

    For more information about the definition of wartime service, the financial requirements for VA pension, and the improved pensions, see our article on VA pensions for disabled veterans .

    Concurrent Retirement and Disability Payments (CRDP)

    Concurrent Retirement and Disability Payments (CRDP) is a program allowing certain military retirees to receive retirement benefits and disability payments at the same time.

    Eligibility for CRDP requires a military retiree to have:

    • service of 20 or more years, and
    • a service-connected disability rated 50% or more.

    Combat-Related Special Compensation (CRSP)

    Combat-Related Special Compensation (CRSP) is a special program providing compensation to certain military retirees for combat-related injuries and illnesses.

    Eligibility for Combat-Related Special Compensation (CRSP) generally requires military retirees to have:

    • at least 20 years of service or a medical retirement
    • combat-related service-connected disability, and
    • a disability rating that is 10% or higher.

    VA Health Care

    You do not need to have a disability caused by service or to have served in combat operations or during wartime to be able to get VA health care, though in some cases there are copays for medical treatment depending on your type of service.

    For veterans who enlisted after September 7, 1980 or entered active duty after October 16, 1981, eligibility for VA health care requires continuous service for at least two years. Veterans who were discharged for a service-connected disability or due to hardship may not have to meet this minimum service requirement. Also, veterans who served prior to September 7, 1980 do not have to meet a minimum service requirement.

    VA Nursing Home Care

    While priority for VA nursing home care is given to veterans with service-connected disabilities rated at 60% or higher, any veterans who meets the basic eligibility requirements for VA benefits can be eligible for VA nursing home care. Read Nolo’s article on Veterans’ Eligibility for VA Nursing Home Care for more information.

    Other VA Benefits

    Other VA benefits include education benefits and home loan guarantees. For further information about all VA benefit programs, as well as detailed eligibility requirements, visit the Veterans Benefits Administration website .

    How to Apply for VA Benefits

    If you go through the whole application process and are denied veterans benefits that you think you qualify for, you may want to contact a disability lawyer.

    Talk to an attorney.

    How do You Get a VA Loan: The VA Mortgage Process #loan


    How to Get a VA Loan

    Step 1 Get Pre-Qualified

    The first step in getting a Vet Mortgage is to contact a Specialist to get pre-qualified for a home purchase using your Veterans Affairs benefit. A Specialist will be able to let you know the requirements, what price home you are pre-qualified for and issue you a Veteran Mortgage pre-approval letter.

    Step 2 – Find a Home

    Once you have been pre-qualified. the next step is to find a house. Make sure you show the realtor or seller your pre-approval letter so they know you are qualified. Veteran mortgages allow for the seller to pay for the buyer’s closing costs, up to 4% of the amount. If you are going to utilize this VA benefit, make sure that the seller-paid closing costs are specified in the home purchase contract.

    Step 3 – Full Application

    Once you have found the house you want to buy, contact your Veteran Specialist. They will need a copy of the contract for the house you are buying. From this, they can prepare your full application. They will also prepare all of the required disclosures for you to sign and provide you with a list of personal documents that will be required.

    Step 4 – Close

    After your lender has received your application and documents. they will process and underwrite your mortgage, including ordering the Veterans Affairs Appraisal. Once you have an approval, you will go to the closing where the loan documents are signed and the purchase transaction is officially completed. And then you get to move in to your new home!!

    Get VA Loan Help

    Businessmaker Academy – Human Resource Management Seminar Series #human #resource #management #seminar



    This seminar equips you with the essential know how and competencies in
    Human Resource Management. It tackles the important functions of HRD and
    guides you in developing a structured approach to employee management. It
    helps you professionalize your HR Department.

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    Human Resources: Help Desk Support for Teleworkers #hr, #human #resources, #hr #community,


    Help desks in companies implementing telework programs will experience a higher volume of calls and requests than normal, especially during the first month following implementation.

    Without proper planning and infrastructure in place, the help desk can quickly become overwhelmed. This can lead to escalating support costs and decreased employee and help desk staff productivity, all potentially negating the cost savings realized by teleworking in the first place.

    Teleworker Help Desk Requirements

    Most teleworkers will work out of their home offices. If they do run into difficulties, these are likely to be related to connectivity issues and malfunctioning applications; especially VPN and password problems. Teleworkers IT complaints and requests are likely to be staggered throughout the day and those experiencing issues outside of normal business hours can experience loss of productivity and intense frustration. Because of this, some companies that have implemented telework programs choose to extend their help desk hours.

    A help desk supporting teleworkers should be capable of the following:
    ” Tracking and prioritizing IT issues.

    ” Remotely diagnosing, troubleshooting and resolving PC issues.

    ” Providing training on the use of company equipment and programs.

    ” Providing information on how to set up home offices for top equipment function.

    Multiple Methods to Access Ticketing System
    Existing help desks should already be tracking and prioritizing employee issues through a help desk ticketing solution. However, given their remote nature, teleworkers should have more than one means of reporting a problem. If a teleworkers computer is not functioning properly or if they are experiencing basic connectivity issues, they will not be able to access Web and e-mail based tracking systems. Therefore, it is important to have a phone access number for employees to report issues.

    Self-Help Solutions
    IT departments should offer training and self-help solutions for simple IT issues that teleworkers may encounter, especially low priority ones that the help desk may be unable to address immediately. These self-help solutions can be in the form of:
    ” Frequently Asked Questions (FAQs) and the answers.

    ” Teleworker training sessions and online training documents.

    ” Step by step self-help instructions for solving simple problems.

    ” Wikis where teleworkers post tips and help educate each other.

    ” Online message boards where changes and reoccurring problems are addressed by the help desk technicians.

    Implementing self-help solutions for teleworkers will reduce the volume of calls the help desk receives. By providing troubleshooting information and training on how to set up home offices, internet connections, printers, and fax machines, companies can ease teleworker frustration and decrease downtime associated with related problems. Additionally, implementing self-help solutions will lessen the need for employees to search for software workarounds on the Internet to solve their problems, potentially leading to security issues. Obviously, benefits will only be realized if teleworkers are aware of the resources available to them. It is therefore important for the help desk to provide teleworkers with a list of available resources and where they can be accessed.

    Remotely Diagnose and Resolve Problems
    Teleworkers are likely to experience most of their problems at home, where there is no on-site help. As such, one of the most important and common capabilities that IT departments have is the ability to remotely diagnose and resolve computer issues. This capability serves to accelerate repair times by eliminating the hassle of carrying the computer to the office and having the technicians speculate about the problem. Generally, in Windows environments, Microsoft’s integrated Remote Assistance tool suits this purpose. However, hosted remote desktop support services that do not rely on a VPN connection, such as Citrix GoToAssist and LogMeIn Rescue, can serve as a more versatile solution for larger distributed environments.

    Sometimes a problem cannot be resolved remotely and the malfunctioning computer must be sent to the IT department for remediation. In these cases, it is necessary for IT to have spares or loaner machines on hand that can be couriered to the teleworker to prevent teleworker downtime.

    1. Provide multiple methods of contacting the help desk. This allows teleworkers to contact the help desk regardless of their IT problem.

    2. Create a self-help toolset for teleworkers. This allows teleworkers that are experiencing low priority issues to address them on their own.

    3. Offer teleworker application and office set up training. Offering teleworker training on how to set up a home office and properly configure the home internet connection and other equipment will reduce the number of preventable complaints that the help desk receives.

    4. Have the ability to remotely diagnose and resolve problems. This will help reduce teleworker frustration and downtime.

    Bottom Line

    Teleworking has specific help desk challenges that must be addressed and accounted for in the project planning stage of the program. Doing so will prevent the help desk from being inundated by teleworker support requests and help mitigate teleworker performance and frustration issues.

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