Student Veteran Benefits

Veteran BenefitsVeteran Benefits
Understanding Your BenefitsUnderstanding Your Benefits
Rodrigo GarciaRodrigo Garcia
Midwest Regional DirectorMidwest Regional Director
Student Veterans of AmericaStudent Veterans of America
www.studentveterans.orgwww.studentveterans.org
EE--Mail:Mail: rodrigo.garcia@studentveterans.orgrodrigo.garcia@studentveterans.org

DisclaimerDisclaimer
The following information undertakes a systematic examination oThe following information undertakes a systematic examination of various benefits and their potential ability to help veteransf various benefits and their potential ability to help veterans and theirand their
families. It does not guarantee or assure a particular future rfamilies. It does not guarantee or assure a particular future result. The opinions set forth by this study do not necessarily result. The opinions set forth by this study do not necessarily reflect thoseeflect those
expressed by the Department of Veterans' Affairs, State of Illinexpressed by the Department of Veterans' Affairs, State of Illinois, or any affiliates , whether private or public, mentioned inois, or any affiliates , whether private or public, mentioned in thisthis
presentation and they do not make any representation or warrantypresentation and they do not make any representation or warranty, express or implied, as to each benefit or any such information, express or implied, as to each benefit or any such information oror
materials (or the results to be obtained by the use thereof) andmaterials (or the results to be obtained by the use thereof) and specifically disclaim any warranty of originality, accuracy, cospecifically disclaim any warranty of originality, accuracy, completeness,mpleteness,
merchantability or fitness for a particular purpose. In additionmerchantability or fitness for a particular purpose. In addition, they do not warrant that the presentation or any such informat, they do not warrant that the presentation or any such information orion or
materials will conform to any description thereof or be free ofmaterials will conform to any description thereof or be free of errors or omissions. The intellectual property contained in thiserrors or omissions. The intellectual property contained in this research isresearch is
the property of their respective owners and any unauthorized dupthe property of their respective owners and any unauthorized duplication and reproduction is strictly prohibited. All research dlication and reproduction is strictly prohibited. All research data andata and
information was cited under the Fair Use Copyright Act of 1976 ainformation was cited under the Fair Use Copyright Act of 1976 and is current as of 10/15/2008nd is current as of 10/15/2008
Student Veterans of America & YouStudent Veterans of America & You
We will work to develop new student groups, coordinate between eWe will work to develop new student groups, coordinate between existing student groups, andxisting student groups, and
advocate on behalf of student veterans at the local, state, andadvocate on behalf of student veterans at the local, state, and national level. We will providenational level. We will provide
you with various resources and contacts for your student veteranyou with various resources and contacts for your student veteran groups to succeed. Suchgroups to succeed. Such
resources can include: Contacts, Instituting Veteran Resource Ceresources can include: Contacts, Instituting Veteran Resource Centers, Implementing anters, Implementing a
Veteran Community, Tailoring Orientation Services, Information HVeteran Community, Tailoring Orientation Services, Information Health & Education Benefits,ealth & Education Benefits,
Home Loans, Employment, Scholarships, Liaisons at the Local, StaHome Loans, Employment, Scholarships, Liaisons at the Local, State and Federal levels, Ate and Federal levels, A
huge network of individuals at your disposal to assist you natiohuge network of individuals at your disposal to assist you nationwide and Many Others at nonwide and Many Others at no
cost to your student veterans on campus!!! Join the coalition atcost to your student veterans on campus!!! Join the coalition at: (: (www.studentveterans.org)
I am pleased to have the veterans from across the Midwest as parI am pleased to have the veterans from across the Midwest as part of thet of the national coalition. If younational coalition. If you
have any questions, please do not hesitate to contact us or chechave any questions, please do not hesitate to contact us or check out our websitek out our website (for morefor more
information. We will continuously update it to reflect new benefinformation. We will continuously update it to reflect new benefits, information andits, information and
scholarships among many others.scholarships among many others.

Health Care BenefitsHealth Care Benefits

Health Care (VA)Health Care (VA)
Medical CoverageMedical Coverage
VA provides a wide range of health care services to veterans inVA provides a wide range of health care services to veterans includingcluding
treatment for sexual trauma and for conditions possibly relatedtreatment for sexual trauma and for conditions possibly related to exposure toto exposure to
Agent Orange, ionizing radiation, and other environmental hazardAgent Orange, ionizing radiation, and other environmental hazards in thes in the
Persian Gulf. Must be enrolled in the VA Health Care system to rPersian Gulf. Must be enrolled in the VA Health Care system to receive care.eceive care.
Must qualify within a Priority GroupMust qualify within a Priority Group
Based on service connectionBased on service connection
Based on incomeBased on income
Awarded a Purple Heart/POW statusAwarded a Purple Heart/POW status
Theater of ConflictTheater of Conflict
Dental CoverageDental Coverage
Within 180 days of active duty discharge (one time treatment)Within 180 days of active duty discharge (one time treatment)
ServiceService--connected dental injuryconnected dental injury
100% service100% service--connected, POW, or Vocational Rehabilitationconnected, POW, or Vocational Rehabilitation
Priority Groups EnrollmentPriority Groups Enrollment VA Income ThresholdsVA Income Thresholds Geo Means Test (Go to p.16)Geo Means Test (Go to p.16)

Health Care (VA)Health Care (VA)
Combat VeteransCombat Veterans
VA will provide combat veterans free health care for any illnessVA will provide combat veterans free health care for any illness possiblypossibly
associated with service against a hostile force in a war since tassociated with service against a hostile force in a war since the Gulf War orhe Gulf War or
during a period of hostility after November 11, 1998.during a period of hostility after November 11, 1998.
Time Limit: Five years from release from active dutyTime Limit: Five years from release from active duty
No Dental Coverage (unless within 180 days of discharge)No Dental Coverage (unless within 180 days of discharge)
Contact your local VA Medical CenterContact your local VA Medical Center
Jesse Brown VAMC: 820 S.Jesse Brown VAMC: 820 S. DamenDamen –– Chicago, ILChicago, IL
Edward Hines VAMC: 5Edward Hines VAMC: 5thth
Ave & Roosevelt RoadAve & Roosevelt Road -- Hines, ILHines, IL
North Chicago VAMC: 3001 S. Green Bay Rd.North Chicago VAMC: 3001 S. Green Bay Rd. –– North Chicago, ILNorth Chicago, IL
More Info at:More Info at:
http://www.va.gov/healtheligibility/eligibility/DetermineEligibihttp://www.va.gov/healtheligibility/eligibility/DetermineEligibility.asplity.asp

Health Care (IL)Health Care (IL)
Illinois Vet CareIllinois Vet Care
EligibilityEligibility
Ages of 19 through 64Ages of 19 through 64
Have had no health insurance for at least six months. However, yHave had no health insurance for at least six months. However, you may stillou may still
be eligible if your only insurance coverage in the last six montbe eligible if your only insurance coverage in the last six months:hs:
Ended due to the loss of your employment or your spouse's employEnded due to the loss of your employment or your spouse's employmentment
Ended due to the loss of Family Care or other state medical assiEnded due to the loss of Family Care or other state medical assistancestance
Ended due to the lifeEnded due to the life--time benefit limit in your coveragetime benefit limit in your coverage
Is through a spouse's plan that you are unable to accessIs through a spouse's plan that you are unable to access
Is purchased through COBRA, orIs purchased through COBRA, or
Is through post activeIs through post active--dutyduty TriCareTriCare coveragecoverage
Not eligible for VA healthcare (must have VA denial letter)Not eligible for VA healthcare (must have VA denial letter)
Not eligible for other state healthcare programs such as FamilyNot eligible for other state healthcare programs such as Family CareCare
Not been dishonorably dischargedNot been dishonorably discharged
Have served 180 consecutive days after trainingHave served 180 consecutive days after training
Veterans with incomes in the approved income range (varies by coVeterans with incomes in the approved income range (varies by county andunty and
household size)household size)
Cook:Cook:
11--$3909 2$3909 2--$4559 3$4559 3--$5204$5204 44--$5850$5850 55--$6396$6396

Services covered include but not limited to:Services covered include but not limited to:
Hospital careHospital care
Doctor ServicesDoctor Services
Care at clinicsCare at clinics
XX--rays, laboratory testsrays, laboratory tests
Emergency medical transportationEmergency medical transportation
Dental CareDental Care
Chiropractic servicesChiropractic services
Audiology servicesAudiology services
Mental Health ServicesMental Health Services
Monthly PremiumsMonthly Premiums
Between $40Between $40--$70 a month depending on income$70 a month depending on income
CoCo--PaysPays
Doctor visitsDoctor visits -- $15$15
Generic prescription drugsGeneric prescription drugs -- $6$6
Name brand prescription drugsName brand prescription drugs -- $14$14
Hospital emergency room visitsHospital emergency room visits --$50$50
Hospital admissionsHospital admissions -- $150$150
Hospital or Ambulatory OutHospital or Ambulatory Out--patient treatmentpatient treatment -- 10% of covered services10% of covered services
Dental visitsDental visits --$15$15

http://http://www.illinoisveteranscare.comwww.illinoisveteranscare.com
Call 1Call 1--800800--437437--9824 to locate your9824 to locate your
nearest IDVA officenearest IDVA office
Items to bringItems to bring
DD 214DD 214
VA Denial LetterVA Denial Letter
Proof of IncomeProof of Income
IDID

Education (VA)Education (VA)
Montgomery GI BillMontgomery GI Bill
36 months of benefits36 months of benefits
Use at accredited universities & collegesUse at accredited universities & colleges
Benefit Payments based on enrollmentBenefit Payments based on enrollment
FullFull--Time: $1321.00Time: $1321.00
¾¾ --Time: $990.75Time: $990.75
½½ -- Time: $660.50Time: $660.50
Payments effective August 1, 2008Payments effective August 1, 2008
TopTop--up program may add to your benefit (i.e. $150/month)up program may add to your benefit (i.e. $150/month)
10 year timeline10 year timeline
May be used for institutional training, OJT, apprenticeship, andMay be used for institutional training, OJT, apprenticeship, and othersothers
More info:More info:
http://http://www.gibill.va.govwww.gibill.va.gov//
Call 1Call 1--888888--GIGI--BILLBILL--11

The New GI Bill (Post 9/11)The New GI Bill (Post 9/11)
You are entitled to a percentage as determined by your length ofYou are entitled to a percentage as determined by your length of serviceservice
After 36 months: 100%)After 36 months: 100%)
Benefits Include:Benefits Include:
Full tuition and fees equal to the highest public institution (pFull tuition and fees equal to the highest public institution (paid to school)aid to school)
Monthly Housing Allowance (E5 BAH w/ dependents) (paid to veteraMonthly Housing Allowance (E5 BAH w/ dependents) (paid to veteran)n)
At half time or less and distance education schools are not eligAt half time or less and distance education schools are not eligibleible
BAH based on schoolBAH based on school’’s zip codes zip code
Yearly $1000 stipend for books and supplies (paid to veteran)Yearly $1000 stipend for books and supplies (paid to veteran)
Payments effective August 1, 2009Payments effective August 1, 2009
Use at accredited universities & collegesUse at accredited universities & colleges
15 year timeline15 year timeline
May be used for institutional training, OJT, apprenticeship, andMay be used for institutional training, OJT, apprenticeship, and othersothers
http://http://www.gibill.va.govwww.gibill.va.gov//
Call 1Call 1--888888--GIGI--BILLBILL--11

Vocational RehabilitationVocational Rehabilitation
VA helps veterans with serviceVA helps veterans with service--connected disabilities prepare for, findconnected disabilities prepare for, find
and keep suitable employment.and keep suitable employment.
Job searchJob search
Vocational evaluationVocational evaluation
Career explorationCareer exploration
Vocational trainingVocational training
Education trainingEducation training
Rehabilitation serviceRehabilitation service
At least 20% serviceAt least 20% service--connectionconnection
10% if serious employment handicap10% if serious employment handicap
48 months; 12 years48 months; 12 years
Provides monthly stipend between $500Provides monthly stipend between $500--$750$750
Based OnBased On
CreditsCredits
DependentsDependents
More Info:More Info:
http://http://www.vba.va.gov/bln/vrewww.vba.va.gov/bln/vre//
11--800800--827827--10001000

Work Study AllowanceWork Study Allowance
Veterans who train at the threeVeterans who train at the three--quarter or fullquarter or full--time rate may be eligibletime rate may be eligible
for a workfor a work--study program in which they work for VA and receive hourlystudy program in which they work for VA and receive hourly
wages. The types of work allowed include:wages. The types of work allowed include:
Outreach servicesOutreach services
VA paperworkVA paperwork
Work at national or state veteransWork at national or state veterans’’ cemeteriescemeteries
Work at VA medical centers or state veteransWork at VA medical centers or state veterans’’ homeshomes
Other VA approved activitiesOther VA approved activities
State minimum wageState minimum wage (IL: $7.75/hr)(IL: $7.75/hr)
Available at select locations where an opening existsAvailable at select locations where an opening exists
11--888888--GI BILL 1GI BILL 1
Call VA and affiliated locationsCall VA and affiliated locations
VAMCVAMC
VA ClinicsVA Clinics
Vet CentersVet Centers
IDVAIDVA
VFWVFW
ALAL

Education (IL)Education (IL)
Illinois VeteranIllinois Veteran’’s Grants Grant
120 credits of state support120 credits of state support
For use in stateFor use in state--supported colleges & universitiessupported colleges & universities
Pays full tuition and applicable feesPays full tuition and applicable fees
TuitionTuition
Parking (if applicable)Parking (if applicable)
Health Insurance (if applicable)Health Insurance (if applicable)
Others mandatory feesOthers mandatory fees
12 credits per semester12 credits per semester
Semester credit chargesSemester credit charges
Refer toRefer to www.collegezone.comwww.collegezone.com for more informationfor more information
Children of VeteranChildren of Veteran’’s Scholarships Scholarship
University of Illinois at Champaign/Urbana, Chicago,University of Illinois at Champaign/Urbana, Chicago,
Springfield or Global CampusSpringfield or Global Campus
1 per county per era (6 total per county)1 per county per era (6 total per county)
Be accepted @ University of IllinoisBe accepted @ University of Illinois
Available through their financial aid officeAvailable through their financial aid office
Refer toRefer to www.collegezone.comwww.collegezone.com for more informationfor more information

Illinois ScholarshipsIllinois Scholarships
First Responder Program at Benedictine UniversityFirst Responder Program at Benedictine University
Veterans with service in Iraq or AfghanistanVeterans with service in Iraq or Afghanistan
First Responder ProgramFirst Responder Program
Firefighter, Police Officers, EMS Personnel, VeteransFirefighter, Police Officers, EMS Personnel, Veterans
Provides free tuition forProvides free tuition for
AssociateAssociate’’s degree in business administrations degree in business administration
BachelorBachelor’’s degree in managements degree in management
Provides half tuition for a MasterProvides half tuition for a Master’’s Degree in Business Administration or Public Healths Degree in Business Administration or Public Health
Student responsible for books & feesStudent responsible for books & fees
http://http://www.ben.edu/programs/first_responder/index.aspwww.ben.edu/programs/first_responder/index.asp
MIA/POW ScholarshipMIA/POW Scholarship
DependentsDependents
POW, MIA, KIA, or 100% servicePOW, MIA, KIA, or 100% service--connectedconnected
120 educational credits120 educational credits
StateState--supported institutionssupported institutions
Full tuition and applicable feesFull tuition and applicable fees
www.collegezone.comwww.collegezone.com
IDVA local officeIDVA local office

Private ScholarshipsPrivate Scholarships
Horatio Alger AssociationHoratio Alger Association
OIF/OEF combat veteranOIF/OEF combat veteran
Based on:Based on:
ServiceService
AcademicsAcademics
Financial NeedFinancial Need
More Info:
https://https://www.horatioalger.com/scholarships_militarywww.horatioalger.com/scholarships_military//
Heroes at Home Women Veterans' ScholarshipHeroes at Home Women Veterans' Scholarship
Female VeteransFemale Veterans
Helps female veterans reach their education goalsHelps female veterans reach their education goals
http://www.royalneighbors.org/getdoc/1cd2eb9fhttp://www.royalneighbors.org/getdoc/1cd2eb9f--5cf05cf0--4f344f34--91479147--6094288cc039/RNA6094288cc039/RNA--Foundation.aspxFoundation.aspx
Colonel Christie ScholarshipColonel Christie Scholarship
Marine Corps veteransMarine Corps veterans
Monthly stipend: $250Monthly stipend: $250
Undergraduate degreeUndergraduate degree
http://http://www.christiememorial.orgwww.christiememorial.org//

Troops to TeachersTroops to Teachers
Financial assistanceFinancial assistance
CounselingCounseling
Employment referralEmployment referral
Restrictions applyRestrictions apply
www.proudtoserveagain.comwww.proudtoserveagain.com
Phone: 1Phone: 1--800800--231231--62426242
Lincoln Educational ServicesLincoln Educational Services
Provide scholarships to attend LincolnProvide scholarships to attend Lincoln
Reference AssistanceReference Assistance
Networking with fellow veteransNetworking with fellow veterans
www.hireahero.orgwww.hireahero.org
VFW Military ScholarshipVFW Military Scholarship
2525 -- $3,000 Scholarships$3,000 Scholarships
Discharged in previous 36 months prior to deadlineDischarged in previous 36 months prior to deadline
http://http://www.vfw.org/index.cfm?fawww.vfw.org/index.cfm?fa==cmty.leveld&didcmty.leveld&did=3561=3561

AFCEA Educational FundAFCEA Educational Fund
Various scholarships availableVarious scholarships available
OEF/ OIF Scholarships AvailableOEF/ OIF Scholarships Available
$2,500$2,500
Others available based on your major, total credit, and financiaOthers available based on your major, total credit, and financialsls
http://http://www.afcea.orgwww.afcea.org/education/scholarships/military//education/scholarships/military/
The Fund for VeteranThe Fund for Veteran’’s Educations Education
OEF/OIF veteranOEF/OIF veteran
Based on academic and financial needBased on academic and financial need
http://http://www.veteranseducationfund.orgwww.veteranseducationfund.org//
Scholarships for VeteransScholarships for Veterans
Various scholarships availableVarious scholarships available
Search through various alternativesSearch through various alternatives
http://http://www.scholarshipsforveterans.orgwww.scholarshipsforveterans.org//

VA Mortgage CenterVA Mortgage Center
5 $1,500 scholarships (every 6 months)5 $1,500 scholarships (every 6 months)
Eligible students include:Eligible students include:
Current and prospective ROTC program studentsCurrent and prospective ROTC program students
ActiveActive--duty military personnel with plans to attend collegeduty military personnel with plans to attend college
Honorably Discharged Veterans of the US militaryHonorably Discharged Veterans of the US military
Sons and daughters of Veterans or ActiveSons and daughters of Veterans or Active--duty militaryduty military OEF/ OIFOEF/ OIF
Scholarships AvailableScholarships Available
Submit a 2Submit a 2--3 page essay in response to a prompt3 page essay in response to a prompt
http://www.vamortgagecenter.com/scholarships.htmlhttp://www.vamortgagecenter.com/scholarships.html
University of IllinoisUniversity of Illinois -- Cummins ScholarshipCummins Scholarship
Awarded to fullAwarded to full--time undergraduate students who served or are currentlytime undergraduate students who served or are currently
serving in a branch of the United States Military.serving in a branch of the United States Military.
In addition, University of Illinois at UrbanaIn addition, University of Illinois at Urbana--Champaign undergraduate studentsChampaign undergraduate students
whose mother or father was a member of the military and lost hiswhose mother or father was a member of the military and lost his or her life inor her life in
service to their country are also eligible to apply for the schoservice to their country are also eligible to apply for the scholarship.larship.
The priority deadline for the James F. Cummins, M.D. and MildredThe priority deadline for the James F. Cummins, M.D. and Mildred ShattuckShattuck
Cummins Veterans Scholarship isCummins Veterans Scholarship is March 1, 2008March 1, 2008..
https://osfaweb1.ad.uiuc.edu/scholarshiphttps://osfaweb1.ad.uiuc.edu/scholarship--database/detail.aspx?id=1521database/detail.aspx?id=1521

AMVETS ScholarshipsAMVETS Scholarships
Awarded on the basis of academic excellence and financial needAwarded on the basis of academic excellence and financial need
The scholarships go to deserving high school seniors, high schooThe scholarships go to deserving high school seniors, high school JROTC students andl JROTC students and
veterans pursuing a higher education. High school students mustveterans pursuing a higher education. High school students must be direct descendants ofbe direct descendants of
veterans.veterans.
AMVETS National Service FoundationAMVETS National Service Foundation
Six $4,000Six $4,000 scholarships for high school seniorsscholarships for high school seniors
Three $4,000Three $4,000 scholarships for veteransscholarships for veterans
One $1,000One $1,000 scholarship for a JROTC high school seniorscholarship for a JROTC high school senior
Dr. Aurelio M.Dr. Aurelio M. CaccomoCaccomo Family Foundation Memorial ScholarshipFamily Foundation Memorial Scholarship
One $3,000One $3,000 scholarship for veterans/guardsman/reservistsscholarship for veterans/guardsman/reservists
The scholarship is for veterans seeking new skills in order to bThe scholarship is for veterans seeking new skills in order to be moree more
competitive in the job market.competitive in the job market.
Scholarships for Specific SchoolsScholarships for Specific Schools
Schools include the University of Phoenix,Schools include the University of Phoenix, DeVryDeVry University & Kaplan UniversityUniversity & Kaplan University
Various scholarships available via the schoolVarious scholarships available via the school
For more Info on each available scholarship, refer to:For more Info on each available scholarship, refer to:
http://www.amvets.org/programs/programs_scholarships.htmlhttp://www.amvets.org/programs/programs_scholarships.html

Private Scholarships for FamiliesPrivate Scholarships for Families
Air Force Association Spouse ScholarshipAir Force Association Spouse Scholarship
Seeks to encourage Air Force spouses to attain a higher educatiSeeks to encourage Air Force spouses to attain a higher education degreeon degree
$1,000 stipend$1,000 stipend
http://http://www.afa.org/aef/default.asp?pmwww.afa.org/aef/default.asp?pm=e=e
MilSpouseMilSpouse
Various scholarships for military familiesVarious scholarships for military families
http://http://www.milspouse.org/Educ/Fund/MilFScholarwww.milspouse.org/Educ/Fund/MilFScholar//
Scholarships for Military ChildrenScholarships for Military Children
Various scholarships for children of military families and someVarious scholarships for children of military families and some veteransveterans
http://http://www.militaryscholar.orgwww.militaryscholar.org//
Marine Corps Foundation ScholarshipMarine Corps Foundation Scholarship
Available to sons and daughters of Marines (active and veterans)Available to sons and daughters of Marines (active and veterans)
http://www.marinehttp://www.marine--scholars.orgscholars.org//

Private Scholarships for FamiliesPrivate Scholarships for Families
Illinois AMVETSIllinois AMVETS
Every year, AMVETS awards approximately fifty 1Every year, AMVETS awards approximately fifty 1--year $3,000 scholarships nonyear $3,000 scholarships non--renewablerenewable
to Illinois High School Seniorsto Illinois High School Seniors
Students must be high school seniorsStudents must be high school seniors
Restrictions ApplyRestrictions Apply
For more information, refer to:For more information, refer to:
http://www.ilamvets.org/prog_scholarships_apps.cfmhttp://www.ilamvets.org/prog_scholarships_apps.cfm
American Legion ScholarshipsAmerican Legion Scholarships
1.1. American Legion Legacy Scholarship FundAmerican Legion Legacy Scholarship Fund
Scholarships vary from year to yearScholarships vary from year to year
Applicants must be high school studentsApplicants must be high school students
2.2. Samsung American Legion Scholarship FundSamsung American Legion Scholarship Fund
High School juniorsHigh School juniors
Must be Direct descendantsMust be Direct descendants
Various scholarships for military familiesVarious scholarships for military families
3.3. Other Scholarships AvailableOther Scholarships Available
The American Legion National High School Oratorical ContestThe American Legion National High School Oratorical Contest
Eagle Scout of the YearEagle Scout of the Year
The Eight and Forty Lung and Respiratory Disease Nursing ScholarThe Eight and Forty Lung and Respiratory Disease Nursing Scholarship Fundship Fund
More Info on each scholarship, please refer to:More Info on each scholarship, please refer to:
http://www.legion.org/programs/resources/scholarshipshttp://www.legion.org/programs/resources/scholarships

Housing & Home LoansHousing & Home Loans

Home Loan (VA)Home Loan (VA)
VA Home LoanVA Home Loan
Veterans with qualifying service are eligible for VA home loanVeterans with qualifying service are eligible for VA home loan
services including guaranteed loans for the purchase of a home,services including guaranteed loans for the purchase of a home,
manufactured home, manufactured home and lot, certain typesmanufactured home, manufactured home and lot, certain types
of condominiums, or to build, repair, and improved homesof condominiums, or to build, repair, and improved homes
Buy or build a home.Buy or build a home.
Buy a residential condominium.Buy a residential condominium.
Buy a residential cooperative housing unit.Buy a residential cooperative housing unit.
Repair, alter or improve a home.Repair, alter or improve a home.
Refinance an existing home loan.Refinance an existing home loan.
Buy a manufactured home with or without a lot.Buy a manufactured home with or without a lot.
Buy and improve a manufactured home lot.Buy and improve a manufactured home lot.
Install a solar heating or cooling system or other weatherizatioInstall a solar heating or cooling system or other weatherizationn
improvements.improvements.
Buy a home and install energyBuy a home and install energy--efficient improvements.efficient improvements.

Home Loan (VA)Home Loan (VA)
• Total Home Purchase: $417,000
• No Time Limit
• Service-connection exemption
• Certificate of eligibility
• More Info:
••http://http://www.homeloans.va.govwww.homeloans.va.gov//
•1-800-827-1000

Home Loan (IL)Home Loan (IL)
GI Loan for HeroesGI Loan for Heroes
The Veterans' Program is designed for honorably discharged veterThe Veterans' Program is designed for honorably discharged veterans whoans who
qualify under the income and purchase price limits of the IHDA Mqualify under the income and purchase price limits of the IHDA MRBRB
Program. Participants will receive a substantially below marketProgram. Participants will receive a substantially below market rate financingrate financing
package, closing cost assistance and homeownership counseling. Ipackage, closing cost assistance and homeownership counseling. Inn
addition, under federal legislation passed in December 2006, Vetaddition, under federal legislation passed in December 2006, Veterans doerans do
not have to be firstnot have to be first--time homebuyers to qualify.time homebuyers to qualify.
Reserve & ActiveReserve & Active--Duty forces must be firstDuty forces must be first--time homebuyerstime homebuyers
Features:Features:
Below Market Rate for 1Below Market Rate for 1stst
mortgage (50 basis points)mortgage (50 basis points)
0% Market Rate for 20% Market Rate for 2ndnd
mortgage (Up to $40,000)mortgage (Up to $40,000)
$2500 down payment assistance$2500 down payment assistance
Homeowner's counselingHomeowner's counseling
Requirements:Requirements:
Good credit standingGood credit standing
$1000 closing funds$1000 closing funds
http://http://www.ihda.org/ViewPage.aspx?PageIDwww.ihda.org/ViewPage.aspx?PageID=231=231
Participating BanksParticipating Banks

Housing (IL)Housing (IL)
Illinois VeteranIllinois Veteran’’ HomesHomes
LocationsLocations
MantenoManteno
QuincyQuincy
AnnaAnna
LaSalleLaSalle
Wartime service given priorityWartime service given priority
VeteransVeterans
http://http://www.state.il.us/agency/dva/homeswww.state.il.us/agency/dva/homes//
Phone: 312/814Phone: 312/814--24602460
IL Homeowners Homestead ExemptionIL Homeowners Homestead Exemption
Returning veterans from active duty (1Returning veterans from active duty (1stst
Year): $5000Year): $5000
7575--100% service connection: $5000100% service connection: $5000
5050--75% service connection: $250075% service connection: $2500
Apply: Your local county tax assessor's officeApply: Your local county tax assessor's office

Compensation & BonusesCompensation & Bonuses

VA CompensationVA Compensation
VA pays a monthly compensation to veterans for disabilities incuVA pays a monthly compensation to veterans for disabilities incurred or aggravated duringrred or aggravated during
military service. This benefit is not subject to federal or statmilitary service. This benefit is not subject to federal or state income tax. Entitlement ise income tax. Entitlement is
established from the date of separation if the claim is filed wiestablished from the date of separation if the claim is filed within one year from separation.thin one year from separation.
Military retirement pay is reduced by any VA compensation receivMilitary retirement pay is reduced by any VA compensation receiveded
Income from Special Separations Benefits (SSI) & Voluntary SeparIncome from Special Separations Benefits (SSI) & Voluntary Separation Incentivesation Incentives
(VSI) affect amount of VA compensation paid(VSI) affect amount of VA compensation paid
Disabilities can range across a wide spectrum but can include, bDisabilities can range across a wide spectrum but can include, but not limited to:ut not limited to:
Tinnitus, hearing lossTinnitus, hearing loss
Joint ProblemsJoint Problems
PTSDPTSD
Traumatic Brain Injury (TBI)Traumatic Brain Injury (TBI)
No Time Limit to fileNo Time Limit to file
Lengthy processLengthy process
Must establish military connection (medical records)Must establish military connection (medical records)
Must be ongoing disability (medical records)Must be ongoing disability (medical records)
There is a current VA backlogThere is a current VA backlog
30% or greater30% or greater
Spouse & dependents qualify for additional compensationSpouse & dependents qualify for additional compensation

Benefit rangeBenefit range
10%:10%:
$115$115
100% w/ spouse and 2 kids100% w/ spouse and 2 kids
Approximately $2800Approximately $2800
Dental coverageDental coverage
10k VA Life Insurance10k VA Life Insurance
ProcessProcess
Initial ClaimInitial Claim
AppealAppeal
Board of AppealsBoard of Appeals
www.va.govwww.va.gov
11--800800--827827--10001000
Local VA Regional OfficeLocal VA Regional Office
Veterans Service OrganizationsVeterans Service Organizations
•• IDVAIDVA
•• VFWVFW
•• American LegionAmerican Legion
•• Vietnam VeteransVietnam Veterans
•• American VeteransAmerican Veterans

IL Bonuses & BenefitsIL Bonuses & Benefits
Wartime BonusesWartime Bonuses
WWII: $10 (domestic) ; $15 (foreign) per monthWWII: $10 (domestic) ; $15 (foreign) per month
Korea: $100Korea: $100
Vietnam: $100Vietnam: $100
Persian Gulf: $100Persian Gulf: $100
OEF/OIF: TBDOEF/OIF: TBD
Honorable dischargeHonorable discharge
Resided in IL 12 months prior/12months after dischargeResided in IL 12 months prior/12months after discharge
Unemployment InsuranceUnemployment Insurance
6 month benefit6 month benefit
Based on your activeBased on your active--duty payduty pay
State Employment OfficeState Employment Office
General Info:General Info: http://http://www.ides.state.il.uswww.ides.state.il.us
To File Online:To File Online: https://ides1.cmcf.state.il.us/File4UI/Benefits/https://ides1.cmcf.state.il.us/File4UI/Benefits/

Burial BenefitsBurial Benefits

Burial Benefits (VA)Burial Benefits (VA)
National CemeteryNational Cemetery
Veteran & Spouse are eligibleVeteran & Spouse are eligible
Free of ChargeFree of Charge
Does not include funeral expensesDoes not include funeral expenses
Military Funeral HonorsMilitary Funeral Honors
At least one member will be from veteranAt least one member will be from veteran’’s branch of services branch of service
U.S. FlagU.S. Flag
Veterans receive a standard flagVeterans receive a standard flag
ActiveActive--duty personnel receive an encased flagduty personnel receive an encased flag
Presidential CertificatePresidential Certificate
Available upon requestAvailable upon request
If death is serviceIf death is service--connectedconnected
$2,000 reimbursable by the VA$2,000 reimbursable by the VA
$300 for burial/funeral$300 for burial/funeral
$300 for plot$300 for plot
11--800800--827827--10001000
http://http://www.cem.va.govwww.cem.va.gov//

Burial Benefits (IL)Burial Benefits (IL)
Cartage and Erections FeesCartage and Erections Fees
When the federal government has furnished a headstone or marker,When the federal government has furnished a headstone or marker, the ILLINOISthe ILLINOIS
DEPARTMENT OF VETERANS' AFFAIRS shall pay up to the allowable reDEPARTMENT OF VETERANS' AFFAIRS shall pay up to the allowable reimbursementimbursement
amount for the setting of such marker within Illinois. Currentlyamount for the setting of such marker within Illinois. Currently, the maximum amount is, the maximum amount is
$100.00 payable upon approval of the application.$100.00 payable upon approval of the application.
http://http://www.state.il.us/agency/dva/benefits/burial.htmwww.state.il.us/agency/dva/benefits/burial.htm
Local IDVA officeLocal IDVA office
Indigent VeteransIndigent Veterans
The county Veterans Assistance Commission shall provide burial fThe county Veterans Assistance Commission shall provide burial for any honorablyor any honorably
discharged indigent veteran, or their mothers, fathers, spouse odischarged indigent veteran, or their mothers, fathers, spouse or surviving spouse, or minorr surviving spouse, or minor
children without sufficient means to defray the funeral expenseschildren without sufficient means to defray the funeral expenses. The expense of such burial. The expense of such burial
shall not exceed the sum of $600. Emergency food, transportationshall not exceed the sum of $600. Emergency food, transportation, etc. are provided in, etc. are provided in
certain cases. Please contact your local county Veterans Assistacertain cases. Please contact your local county Veterans Assistance Commission for morence Commission for more
information.information.
http://http://www.state.il.us/agency/dva/benefits/burial.htmwww.state.il.us/agency/dva/benefits/burial.htm
Local IDVA officeLocal IDVA office

Other Federal BenefitsOther Federal Benefits
Life InsuranceLife Insurance
VGLIVGLI
Rates vary by coverage amountRates vary by coverage amount
Eligible up to one year and 120 days after dischargeEligible up to one year and 120 days after discharge
SDVISDVI
ServiceService--connectedconnected
$10,000$10,000
www.insurance.va.govwww.insurance.va.gov
Disability PensionDisability Pension
This income based benefit paid to veterans with honorable warThis income based benefit paid to veterans with honorable war--time service whotime service who
are permanently and totally disabled due to non serviceare permanently and totally disabled due to non service--connected disabilities orconnected disabilities or
who are 65 years or olderwho are 65 years or older
www.va.govwww.va.gov
11--800800--827827--10001000
VeteranVeteran’’s Preferences Preference
10 point preference given to veterans upon federal hiring10 point preference given to veterans upon federal hiring
Check with federal or state agencyCheck with federal or state agency

DependentDependent’’s Indemnity Compensation (DIC)s Indemnity Compensation (DIC)
Spouses & DependentsSpouses & Dependents
Death must be serviceDeath must be service--connectedconnected
Monetary benefitMonetary benefit
Medical (Champ VA)Medical (Champ VA)
Educational (Chapter 35)Educational (Chapter 35)
http://http://www.vba.va.gov/benefit_facts/index.htmwww.vba.va.gov/benefit_facts/index.htm
MedalsMedals
Replacement (1 time)Replacement (1 time)
No CostNo Cost
http://www.archives.gov/veterans/militaryhttp://www.archives.gov/veterans/military--serviceservice--records/replacementrecords/replacement--medals.htmlmedals.html
DD214 Correction/UpgradesDD214 Correction/Upgrades
CorrectionsCorrections
UpgradesUpgrades
Must be Accompanied by statements/explanationsMust be Accompanied by statements/explanations
http://www.archives.gov/veterans/militaryhttp://www.archives.gov/veterans/military--serviceservice--records/correctingrecords/correcting--records.htmlrecords.html

Small BusinessSmall Business
Patriot Express ProgramPatriot Express Program
Guaranteed Loans by the VA/SBAGuaranteed Loans by the VA/SBA
Federal contractsFederal contracts
Business ResourcesBusiness Resources
CounselingCounseling
http://http://sba.gov/patriotexpress/index.htmlsba.gov/patriotexpress/index.html
Naturalization PreferenceNaturalization Preference
Immediate applicationImmediate application
Priority statusPriority status
http://http://www.uscis.govwww.uscis.gov//

Other IL BenefitsOther IL Benefits
Benefits AssistanceBenefits Assistance
Help veterans obtain VAHelp veterans obtain VA--administered benefits as well as state benefitsadministered benefits as well as state benefits
http://http://www.state.il.us/agency/dva/benefits/assistance.htmwww.state.il.us/agency/dva/benefits/assistance.htm
Cook County Assistance Commission (varies by county)Cook County Assistance Commission (varies by county)
Financial AssistanceFinancial Assistance
Education & CommunicationEducation & Communication
Cook County VACCook County VAC
Phone: (708) 865Phone: (708) 865--65806580
LicensesLicenses
Fishing LicenseFishing License
10% or greater service10% or greater service--connectionconnection
Camping LicenseCamping License
100% service100% service--connectionconnection
http://http://www.state.il.us/agency/dva/benefits/permits.htmwww.state.il.us/agency/dva/benefits/permits.htm

License PlatesLicense Plates
Universal Veteran PlatesUniversal Veteran Plates
Disabled veteransDisabled veterans
Park for FreePark for Free
Specialty PlatesSpecialty Plates
Fee may applyFee may apply
DD214 requiredDD214 required
http://www.cyberdriveillinois.com/departments/vehicles/license_phttp://www.cyberdriveillinois.com/departments/vehicles/license_plate_guide/late_guide/
specialty_plates/military/home.htmlspecialty_plates/military/home.html
Local Secretary of State officeLocal Secretary of State office
Business Tax CreditBusiness Tax Credit
Provides up to $600 income tax credit benefit for employerProvides up to $600 income tax credit benefit for employer
Based on veteranBased on veteran’’s annual income (5%)s annual income (5%)
http://http://www.ides.state.il.us/vets/foremployers.aspwww.ides.state.il.us/vets/foremployers.asp
www.tax.illinois.govwww.tax.illinois.gov

CTA Military Service Pass (MSP)CTA Military Service Pass (MSP)
ActiveActive--duty personnelduty personnel
Actively drilling reserves/INGActively drilling reserves/ING
Veterans with at least 10% service connected disabilityVeterans with at least 10% service connected disability
Select locations to applySelect locations to apply
VisitVisit www.transitchicago.comwww.transitchicago.com
People with Disabilities Ride Free ActPeople with Disabilities Ride Free Act
100% service100% service--connectedconnected
Fixed Route Transit SystemFixed Route Transit System
CTA, PACE,CTA, PACE, MetraMetra
VisitVisit www.illinois.govwww.illinois.gov/transit/transit
Reserve Forces Economic Hardship ProgramReserve Forces Economic Hardship Program
Keeps business afloat during activation including:Keeps business afloat during activation including:
Low interest loan programLow interest loan program
BelowBelow--market interest ratesmarket interest rates
Eligible costs include employee hires, capital improvements & woEligible costs include employee hires, capital improvements & working capitalrking capital
Other eligible resourcesOther eligible resources
VisitVisit www.treasurer.il.govwww.treasurer.il.gov for additional detailsfor additional details

VeteranVeteran’’s Legal Support Centers Legal Support Center
John Marshall Law SchoolJohn Marshall Law School
Addresses the legal need of veterans seeking their benefits fromAddresses the legal need of veterans seeking their benefits from thethe
U.S. Department of Veterans Affairs (VA).U.S. Department of Veterans Affairs (VA).
For More Info:For More Info:
http://http://www.jmls.eduwww.jmls.edu//
VeteranVeteran’’s Rights Projects Rights Project
Legal Assistance Foundation of ChicagoLegal Assistance Foundation of Chicago
Represents veterans and their dependents in pursuing disabilityRepresents veterans and their dependents in pursuing disability and pension claims, dealingand pension claims, dealing
with consumer issues, upgrading discharges, and obtaining or keewith consumer issues, upgrading discharges, and obtaining or keeping employment orping employment or
housinghousing
For More Info, please Refer to:For More Info, please Refer to:
http://www.lafchicago.org/content/view/77/103/http://www.lafchicago.org/content/view/77/103/
Veterans Legal Assistance ProgramVeterans Legal Assistance Program
Southern Illinois UniversitySouthern Illinois University –– College of LawCollege of Law
Provide legal assistance to area veterans who cannot afford or dProvide legal assistance to area veterans who cannot afford or do not have access to legalo not have access to legal
representation in the appeals of claims for compensation for serrepresentation in the appeals of claims for compensation for servicevice--connected disabilities.connected disabilities.
For More Info, please Refer to:For More Info, please Refer to:
http://www.law.siu.edu/studentlife/VLAP%20pamphlet%20info.pdfhttp://www.law.siu.edu/studentlife/VLAP%20pamphlet%20info.pdf

LIHEAP Energy AssistanceLIHEAP Energy Assistance (open to all household, not just veterans)(open to all household, not just veterans)
Designed to help eligible lowDesigned to help eligible low--income households pay for winter energy servicesincome households pay for winter energy services
http://http://www.liheapillinois.comwww.liheapillinois.com//
Telephone: 800Telephone: 800--571571--2332 (LIHEAP)2332 (LIHEAP)
LIHEAP GuidelinesLIHEAP Guidelines
IL State FairIL State Fair
Free entrance w/ Veterans ID card, Military ID, DD214Free entrance w/ Veterans ID card, Military ID, DD214
Annual eventAnnual event
Springfield, ILSpringfield, IL
IL Vet Cash grantsIL Vet Cash grants
Provides veteran organizations with grants from the sale of lottProvides veteran organizations with grants from the sale of lottery ticketsery tickets
Will award grants to fund additional services or conduct researcWill award grants to fund additional services or conduct research relating to veterans' Posth relating to veterans' Post
Traumatic Stress Disorder, homelessness, health insurance costs,Traumatic Stress Disorder, homelessness, health insurance costs, long term care andlong term care and
disability benefits.disability benefits.

Misc. BenefitsMisc. Benefits
Brookfield ZooBrookfield Zoo
ActiveActive--duty and reserve personnel (ID required)duty and reserve personnel (ID required)
Military member onlyMilitary member only
http://www.brookfieldzoo.org/content0.asp?PageID=111http://www.brookfieldzoo.org/content0.asp?PageID=111
Sea WorldSea World
ActiveActive--duty and reserve personnel (ID required)duty and reserve personnel (ID required)
Three dependentsThree dependents
http://http://www.herosalute.com/cavatx/index.htmlwww.herosalute.com/cavatx/index.html
USOUSO
ConcertsConcerts
Sports GamesSports Games
www.uso.org/illinoiswww.uso.org/illinois
MWRMWR
Armed Forces Recreation CentersArmed Forces Recreation Centers
Florida, Germany, Hawaii, KoreaFlorida, Germany, Hawaii, Korea
EntertainmentEntertainment
ITTITT
www.armymwr.comwww.armymwr.com

Misc. BenefitsMisc. Benefits
Tax ServicesTax Services –– Free!!!Free!!!
Tax Counseling Project (TCP)Tax Counseling Project (TCP)
(312) 409 6511(312) 409 6511
Tax Assistance Program (TAP)Tax Assistance Program (TAP)
(312) 409(312) 409--15551555
Based on annual incomeBased on annual income
USAAUSAA
Financial servicesFinancial services
InsuranceInsurance
Competitive LoansCompetitive Loans
www.usaa.comwww.usaa.com
***After 1996 discharge eligibility***After 1996 discharge eligibility
Navy FCU/Pentagon FCUNavy FCU/Pentagon FCU
Financial ServicesFinancial Services
Competitive LoansCompetitive Loans
www.navyfcu.orgwww.navyfcu.org
www.penfed.orgwww.penfed.org

Concluding RemarksConcluding Remarks

Questions???
Rodrigo GarciaRodrigo Garcia
Midwest Regional DirectorMidwest Regional Director
Student Veterans of AmericaStudent Veterans of America
rodrigo.garcia@studentveterans.orgrodrigo.garcia@studentveterans.org
www.studentveterans.orgwww.studentveterans.org

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