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Other Benefits

Education and Training

Montgomery GI Bill. Persons who first entered active duty after June 30, 1985, and contributed to an education fund are generally eligible. The bill also includes a program for certain reservists and National guard members.

Post-9/11 GI Billis available to those who served on or after September 11, 2001. It pays tuition and fees up to the most expensive, public, in-state undergraduate program rate, provides a monthly housing allowance, and a stipend for books and supplies. It also provides an option for service members to transfer benefits to a spouse or child.

Reserve Educational Assistance Program (REAP/Chapter 1607)is available to persons who were activated under Federal Authority for a contingency operation and served 90 continuous days or more after September 11, 2001.

The Vocational Rehabilitation and Employment Service provides outreach, motivation, evaluation, counseling, training, employment, and other rehabilitation services to service-connected disabled veterans. Vocational and educational counseling, as well as the evaluation of abilities, aptitudes, and interests are provided to veterans and service persons. Counseling, assessment, education programs and, in some cases, rehabilitation services are available to the spouse and children of totally and permanently disabled veterans as well as to the surviving spouse and children of certain veterans. Vocational training and rehabilitation services are available to children with spina bifida having one or both parents, who served in the Republic of Vietnam during the Vietnam War, or served in certain military units, in or near the demilitarized zone in Korea, between September 1, 1967, and August 31, 1971.

Home Loan Guaranty

VA guarantees loans to eligible service members, veterans, reservists, and certain surviving spouses to purchase a home, condominium or manufactured home, and for refinancing purposes. The loans are actually made by private lenders but the VA guaranty generally means the lender will not require any down payment.

Life Insurance

Servicemembers’ Group Life Insurance (SGLI) is low-cost life insurance for service members (active duty and reservists). It is available in $50,000 increments up to a maximum of $400,000. SGLI coverage begins when you enter service or change duty status and expires 120 days after you get out of the service. Totally disabled members can apply for up to two years of free SGLI coverage following discharge.

Veterans’ Group Life Insurance (VGLI) is lifetime renewable term life insurance for veterans. It is available in $10,000 increments up to $400,000 but not for more than the amount of SGLI coverage you had in force at the time of your separation from service.

Premiums are age-based and if you apply within 120 days following separation, no health questions are asked. Thereafter, you have one year to apply but must be in good health. Those on the two-year disability extension are automatically converted to VGLI at the end of the two-year period.

Family Servicemembers’ Group Life Insurance (FGLI) is life insurance that automatically covers the spouse and children of service members insured under SGLI. Spousal coverage is available up to a maximum of $100,000, but may not exceed the service member’s coverage amount. Dependent children are covered for $10,000 for which there is no cost.

Traumatic Injury Protection under Servicemembers’ Group Life Insurance (TSGLI) is a traumatic injury protection rider under Servicemembers’ Group Life Insurance (SGLI) that provides for payment to any member of the uniformed services covered by SGLI who sustains a traumatic injury that results in severe losses. TSGLI is retroactive for members who sustain a qualifying loss as a direct result of injuries incurred on or after October 7, 2001, through November 30, 2005, in Operation Enduring Freedom or Operation Iraqi Freedom, regardless of whether they had SGLI coverage. TSGLI pays a benefit of between $25,000 and $100,000 depending on the loss directly resulting from the traumatic injury. In order for a veteran to qualify for a TSGLI payment, they must have incurred a qualifying loss as a result of a traumatic event that occurred while they were in service.

Service-Disabled Veterans Insurance, also called "RH" insurance, is life insurance for veterans who receive a service-connected disability rating of 0% or more from the Department of Veterans Affairs. S-DVI provides a maximum of $10,000 of basic coverage. If your premium payments for the basic policy are waived due to total disability, then you may be eligible for a supplemental policy of up to $20,000. You must apply within two years from the date you are notified of your service-connected disability for basic coverage.

Veterans Mortgage Life Insurance (VMLI) is a life insurance program that provides coverage on the home mortgages of severely disabled veterans who receive a Specially-Adapted Housing grant. VMLI provides a maximum of $90,000 of mortgage insurance payable directly to the mortgage lender for an outstanding mortgage. Coverage is available on new, existing, refinanced, and second mortgages.

Employment Assistance

The Ohio Department of Job and Family Services has additional state funded veterans benefits for qualified Ohio residents. Nick Hill is the Veterans Representative for the Office of Workforce Development.

Contact Nick on Mondays and Fridays at: 419-636-0617. His office is located at the One Stop Shop, 228 South Main Street, Bryan, Ohio 43506.