On & Off the Hill The Importance of Cardio Americanism Essay Contest 8 28 34 INSIDE: LONG-TERM CARE & NEEDS JULY 2018
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1 FRATODAY /// July 20182 Communications 4 From the Fantail 6 Shipmate Forum 8 ON & OFF Capitol Hill Legislative Updates21 FRA Conventions Calendar 34 Americanism Essay Contest Winners 36 Membership Matters 38 Shipmate News 40 Auxiliary of the FRA News NW/NE RP Bobbie Seidel42 TAPS 45 Reunions/Looking For 46 Finance Matters Is a Will or Trust Right for You?48 FRA Prole LOYALTY, PROTECTION AND SERVICE F RA is a congressionally chartered, nonprot organization advocating on Capitol Hill for current and former enlisted members of the U.S. Navy, Marine Corps and Coast Guard. 16 22 28TRICARE Options When Facing Long-Term Care NeedsA 2016 study by the U.S. Department of Health and Human Services estimates that about one in two Americans turning age 65 will develop a disability serious enough to require long-term care. Need Long-Term Care? Solutions (and Questions) AboundTRICARE covers many conditions and eventualities. But one it does not cover is long-term care: assistance with one or more essential activities of daily living such as dressing, eating, bathing and using the toilet.The Importance of a Cardio RoutineYour heart is a muscle just like any other and in order for it to become strong it must be worked. If you fail to work your heart, it will weaken over time, which can cause a variety of negative health eects. features departments Marines with Special Purpose Marine Air Ground Task Force Detroit visit veterans at the John D. Dingell Veterans Affairs Medical Center Sept. 8, 2017. Marine Week Detroit is a chance to reconnect with our Marines, sailors, veterans and their families from different generations. Photo by Marine Corps Sgt. Logan Block. Cover: The Military Health System congratulates Dr. John R. Minarcik of the Ophthalmology clinic at the Belvoir Hospital on his selection as the Best of the Best 2017, Joint Outpatient Experience (JOES) annual report. His patients, who have completed JOES, ranked him highest among all physicians within the Military Health System. Photo by Reese BrowncontentsJuly 2018 volume 97 number 7
FRATODAY /// July 2018 2 COMMUNICATIONS National Ofcers/Board Of Directors National President William E. Starkey Jr., South Jersey Branch 57 National Vice President Robert Washington, Navy Department Branch 181 National Executive Dir. Thomas J. Snee, Navy Department Branch 181 Finance Ofcer Bryan Proctor Junior PNP Donald E. Larson, Corpus Christi Branch 94 National Parliamentarian PNP Donald Mucheck, Low Country Branch 269 National Chaplain John W. Davis, Tennessee Valley Branch 44 Regional Presidents Northeast/New England Albert Davenport, Atlantic City Branch 013 East Coast Paul A. Phelps, Chesapeake Branch 40 Southeast James J. Thomas, West Jacksonville Branch 126 North Central Barry White, Mo Kan Branch 161 South Central Bruce R. Talbot Jr., Space City Branch 159 Southwest Bruce H. Davis II, Poway Valley Branch 70 West Coast Rick Athenour, Sierra Tahoe Branch 137 Northwest Roger L. Christopher, Gem State Branch 382 Active Duty Advisory Council Master Chief Petty Ofcer of the Navy Steven S. Giordano Sergeant Major of the Marine Corps Ronald Green Master Chief Petty Ofcer of the Coast Guard Steven Cantrell Reserve Advisory Council Force Master Chief of the Navy Reserve Christopher D. Kotz USMC Reserve Force Sergeant Major Patrick Kimble Force Master Chief Petty Ofcer of the Coast Guard Reserve Eric Johnson FRAtoday Magazine The monthly membership publication of the Fleet Reserve Association Publisher Fleet Reserve Association National Executive Director Thomas J. Snee M.Ed. Communications Director William D. Stevenson Managing Editor Victoria Duran Contributing Writer Denny Marshall Proofreader Desnee Stevens Design and Art Direction FRA Staff Advertising Sales: GLM Communications (212) 929-1300 Sales@glmcommunications.comFRAtoday (ISSN 1935-7192) is published monthly by FRA, 125 N. West St., Alexandria, Va 22314-2754. A members subscription is covered by the members annual dues. Periodicals postage paid at Alexandria, VA and additional ofces. Publication of nonsponsored advertising in FRAtoday does not constitute an endorsement by the FRA or its representatives. Postmaster: Send address changes to Member Services, FRA, 125 N. West St., Alexandria, VA 22314-2754. FRAtoday is published in the interests of all current and former enlisted personnel of the U.S. Navy, Marine Corps and Coast Guard. Eligible nonmembers are not entitled to subscription rates. Established 1 November 1923. Title registered with U.S. Patent Ofce.FRA Administrative Headquarters 125 N. West St., Alexandria, VA 22314-2754 Telephone: 703-683-1400, 800-FRA-1924 Fax: 703-549-6610 E-Mail: FRAtoday@fra.org www.fra.org Volume 97 Number 7Find us on Facebook: www.fra.org/fb Follow us on Twitter: www.twitter.com/FRAHQ Follow us on Instagram: www.instagram.com/FRA_HQ LONG-TERM CARE OPTIONS Many Shipmates probably have a good handle on their longterm care plans and needs. e people in my age bracket are just starting to think about what to do to insure their future of health care and also to not be a burden upon our children or spouses, when that time arrives. Sure I have insurance, sure I will qualify for Medicare but what about the gaps between when one service starts and Medicare begins? Before I reach that time, rest assured I will have done my homework and will be able to make an educated decision about my long-term plans. is issue of FRAtoday has two feature articles that are similar, but both contain some very valuable information as well as links to online resources that are very helpful in planning your future care. e lead feature was written by the Military Health System Communications team who also provided the December 2017 article on TRICARE Changes. is feature closes with two important resources, a link to the U.S. Department of Health and Human Services Administration on Agings website and the Military TRICARE website link. e second feature was provided by our Anity Partner, MERCER, who provides many types of insurance from several reputable insurance carriers such as Hartford and Nationwide (see page 26). e Need Long-Term Care? feature referenced 15 sources they used for information. Several of these links lead to some very informative websites.Go OnlineI realize reading these very long URLs and trying to type them into your keyboards can be a real hassle when you miss one little space or some silly punctuation. Did you know FRAtoday is available online? You can go to the FRA website and click on the FRAtoday icon, which leads to the current issue in two electronic formats: PDF and Microsoft WORD. Inside these electronic les you can very easily click directly on the links and your browser should open the pages without having to key in those long troublesome URLs. Some other great functions of the online versions are the ability to magnify or enlarge the smaller type in both versions of the online les. You can also search by word and copy and paste information you might want to send along to a Shipmate. I hope you are able to take advantage of the links online. FRAIn Loyalty, Protection and Service, William Stevenson, Director of Marketing & Communications
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FRATODAY /// July 2018 4 FROM THE FANTAIL Tom Snee NED First o, Happy Fourth of July! When growing up outside of Cleveland, this marked the half-way point before school would start in about two months. e Fourth, as it is known, brought out the best of all citizens, regardless of how they celebrated and embraced our nation. Today, we have the Capitol Fourth in Washington, DC, with its origins dating back to Philadelphia some 242 ago. Each year there is a concert on the front lawn of our Nations Capitol with many classic musical selections played before a magnicent backdrop of reworks that we have all come to known and appreciate. In those early days of our great nation, there was a movement to declare our rights from the oppressive actions of Britain. Perhaps a bit treasonous but a Declaration for us toward, our pursuit of happiness and safety as stated by George Masonone of the writers and founders of the Declaration of Independence and author of the Virginia Bill of Rights. With all of that history, what is the dierence between rights and entitlements? Certainly when the Declaration captured the words of omas Jeerson, We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights that among these are Life, Liberty and the pursuit of Happiness, gave us a solid foundation. Today, sometimes those rights and entitlements get pushed by a declared authority to their very limits. Rights can be claims to something or claims can be free from something, regardless, they are natural or positive toward a well-intended eort. Entitlements, on the other hand, are those ideals that must be respectively provided to others, to ensure their rights are maintained. Respecting the rights of others should spearhead cooperation among all people. Is it possible to say what you like without being hurtful or rude? Everyone has a voice to their own opinion, but that does not mean you have the right to degrade another person or their spoken opinion. Consider the T.H.I.N.K. model when you express your views. Ask yourself, is my opinion True, Helpful, Inspiring, Necessary or Kind? If your answer is no to any of these questions, than keep it to yourself. But I have a right to express myself. Yes you do, but at what cost or expense of hurting another person? e Declaration in itself gave yield to: e pursuit of happiness is the right that you have to live your life in a way that brings you joy; not to the discontent of others! Our own actions should support the shared values that we want to pass along to our children, grandchildren and to society in general. e THINK model provides the way and guides us how to be that good citizen. Yes, we are not a perfect society but we can make better strides as that developing country now 242 years young. Within our own lives, communities, country and the FRA, let us all be more aware of the value of being considerate while serving others. I am not trying to lecture, this is just an observation made from a common set of social values that we all should embrace. We fought and declared our Independence from tyranny more than 240 years ago. Everyone has rights, but respecting the entitlements of everyone is a necessity. A quote I often hear goes like this: After that stone has been thrown, it is too late to retrieve. So, step back, show your pride as an American and make note of what our founding fathers wanted. Bring about what we responsibly take on as rights through entitlements. Remember, our kids watch and listen to how we behave! HAPPY Fourth of July! PRESS ON! FRA Tom is FRAs National Executive Director and can be reached at NEDFRA@fra.orgRights & Entitlements
1013161012103410781013161012103410788148 8187787347588388148 8187787347588388148 8187787347588388148 818778734758838107810121013161034107810121013161034 B_I_V = Live Area: 7 x 10, 7x10 Magazine Master, 1 Page, Installment, Vertical updated 7/2013 PriceLogo & AddressJob CodeTracking CodeYellow SnipeShipping Service Serving With DistinctionWith an illustrious history that stretches back to the struggles that founded our country, the U.S. Navy has served with distinction and produced generations of lionhearted men including six U.S. presidents. Now the Navy and the sailors who have made it great are given our nest tribute: The Navy Values Masterpiece Stein. Crafted of Heirloom Porcelain colored maritime blue, its lled with design elements that mark it as uniquely Navy. The Navy Core Values, of cial symbol, and even the unof cial Latin motto can all be found. The centerpiece however is the sculpted medallion thats nished in 22K gold and hand-set on the front. Flanking it are accurately rendered patch elements. A zinc alloy topper with an eagle adorned in the stars and stripes completes the top. A Navy emblem on the thumb rest atop the handle embellished with golden braiding nishes this stately, 32-ounce, drink-safe masterwork. Strictly Limited Masterpiece Edition Order Now!Act now to get yours in four installments of only $29.99 each, for a total of $119.95*, backed by our 365-Day Satisfaction Guarantee. To order, send no money now. Mail the Reservation Application today! YES. Please reserve the NAVY VALUES Masterpiece Stein for me as described in this announcement. Limit: one per order. Please Respond Promptly 9345 Milwaukee Avenue Niles, IL 60714-1393RESERVATION APPLICATION SEND NO MONEY NOW NAVY VALUESMasterpiece SteinReverse features the Navy Core Values, of cial Navy shield, and unof cial Navy motto in LatinOur nest tribute, crafted of richly colored Heirloom Porcelain Hand-set sculpted medallion nished in 22K gold adorns the frontNaval uniform patch detailing on the sides plus golden braiding on the handleNot for self, but for country inscribed in Latin Custom topper with sculpted eagle hand-painted in the stars and stripes rff nt bt ttf ffrfftf ftt tffft BGE 01-24175-001-BIL AN EXCEPTIONAL SALUTE TO 240 YEARS OF EXCELLENCEImpressive 11 inches high www.bradfordexchange.com/values Neither the Department of the Navy nor any other component of the Department of Defense has approved, endorsed, or authorized this product.*For information on sales tax you may owe to your state, go to bradfordexchange.com/use-tax01-24175-001-E27943 01_24175_001_BIL.indd 1 1/30/18 12:02 PM
FRATODAY /// July 2018 6 SHIPMATE FORUM TRICARE Co-pays for MedicationsI nd the new schedule of Co-pays for prescriptions purchased through the TRICARE Pharmacy Home Delivery unfortunate. It not only breaks a promise, perhaps unwritten, of lifetime health care for retirees; but more importantly, it may put undue and unnecessary burden on some retirees. But what is most egregious is that in many cases the Co-pay exceeds the actual cost of the medication. I hope FRA will keep up the good ght to repeal, or at least mitigate these Co-pays. Richard Lewis, RMC, USN (Ret.) MAL FRAtoday: FRA wants you to know your concerns are noted. Many retirees have recently experienced unexpected increases in their TRICARE fees. ese increases result from the Defense Departments decision to change its fee schedule from a percent-of-cost model to at-rate fees. ese fee changes disregard the intention of the FY2017 NDAA, which mandated current beneciaries would be grandfathered from health care cost-share increases. Some copayments have doubled and tripled, and FRA strongly opposed these fee increases. e Association argued that the military health care benet should reect the sacrices of military service as a partial prepaid premium for their earned benets. FRA will continue to advocate that the Defense Department must suciently investigate and implement other options to make TRICARE more cost-ecient as alternatives to shifting costs to TRICARE beneciaries. FRAGreat Memories Recollections of a White Hat reminded me of the Chiefs I worked for in the 1950s and 1960s when WWII veterans were still in the ranks. My rst ship was USS RENSHAW (DDE-499), a well-worn veteran of WWII & Korea, and the only Fletcher Class DD to survive a Japanese Long Lance torpedo. I particularly and fondly remember two Tojo Chiefs who survived WWII as Japanese POWs. One was in USS PERCH (SS-176), severely damaged by depth charges and scuttled under re on 03 March 1942 and the other was captured on Guam, 10 December 1942. e POW from Guam served the longest in captivity during WWII.I took the Chief exam in 1967, in CONUS and made Chief on 18 November 1967 after I reported to COMNAVFOR VIETNAM, in Saigon. Our CPO initiation was on a barge in the Saigon River. As a newly-minted Chief, I watched in wonder as the SEALs who were promoted to Chief were ceremoniously thrown into the Saigon River! When I retired in 1986, there were a few Vietnam era Chiefs still in the Fleet. However, I observed the quality of Chief Petty Ocers was notably diluted. Many of the WWII CPOs were spinning in their graves over some of the E-7 Technician Chiefs at sea and ashore, who were unable or unwilling to mentor their Sailors. Aloha, Bruce De Wald AGCM/CWO-4/ LCDR(LDO) USN (Ret.) USS PuebloNobody was more disappointed and frankly angry that we didnt retake her after the North Koreans seized the Pueblo. I was the OIC of a team of specialists who deployed to South Korea to gather as much info as we could in the event we were going to retake her. We did as much as we could in the few days we were there and then were called back without any word on why command decided to allow the Koreans to keep her. I suspect we were called back to allow the diplomats a chance to save the crew but I never found out why. It was a really dark day for us since, by the grace of God, it could have been us on the ship. LCDR R. Driesbach, USN (Ret.) MALSubmit Shipmate Forum letters to FRAtoday, 125 N. West St. Alexandria, VA 22314. Submissions may be sent to fratoday@ fra.org. Please include Shipmate Forum in the subject line. FRA reserves the right to select and edit letters for publication. Letters published in Shipmate Forum reect the opinions and views of individual FRA members. They do not necessarily reect the ofcial position of FRA as a whole. FRA is not responsible for the accuracy of letter content.
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capitol hillON & OFF News & Notes from the Fleet Reserve Associations Legislative TeamFRATODAY /// July 2018 8 8 As this issue of FRAtoday goes to press, the House has passed its version of the National Defense Authorization Act (NDAA-S.5515) and the Senate Armed Services Committee has approved its version of the FY 2019 NDAA. Also, FRA-supported legislation, VA MISSION Act (S. 2372), has passed both chambers of Congress and will soon be signed into law. In addition, the House Veterans Affairs Committee has amended and approved the House version of the Blue Water Navy Vietnam Veterans Act (H.R. 299). The House bill will now go to the full House for further consideration. That bill has been expanded to not only include the Blue Water Vietnam veterans but also veterans who served in Thailand and near the de-militarized zone in Korea. After the July recess (First session day in July is July 10), the pace of legislative activity should pick up. This is an election year and legislators are highly motivated to nish up their legislative work and get back home to campaign for re-election. Members should review Newsbytes and check FRA Action Center to keep up on legislative activity that can impact their pocketbooks. John Davis DLP Bill approved by HVAC Expands Agent Orange ReformLawmakers on the House Veterans Affairs Committee (HVAC) approved the Blue Water Navy Vietnam Veterans Act (H.R.299), sponsored by Rep. David Valadao (Calif.). This bill would clarify that service members serving off the coast of the Republic of Vietnam during the Vietnam conict, have a presumption for ling disability claims with the Department of Veterans Affairs (VA) for ailments associated with exposure to the Agent Orange herbicide. The bill was amended to further provide presumption to certain veterans that served in Korea near the demilitarized zone and in Thailand. FRA believes Congress should recognize these veterans who were exposed to Agent Orange and authorize presumptive status for VA disability claims. Today is a great day for Blue Water Navy veterans, HVAC Chairman Rep. Phil Roe, M.D. (Tenn.) said after the bill was approved by the committee. We owe it to the brave veterans who served in the Vietnam War to provide benets for conditions they may have developed because of exposure to Agent Orange. Im also proud of our work today to send the Blue Water Navy Vietnam Veterans Act to the full House, and Im grateful for Rep. Valadaos continued leadership on this important legislation. The bill now goes to the full House for consideration. Members are strongly urged to go online and use the FRA Action Center to ask their Representative to support this important legislation. Pace of Legislation Increases VA MISSION Act PassesThe Senate approved the VA Mission Act (S.2372) by a vote of 92 to 5 and sent it to the President to be signed into law. The bill will: Expand the VA Caregiver program to include all disabled veterans; Consolidate seven VA community care programs into one to improve access to care; Fund for the VA Choice program; and Audit VA infrastructure. The expansion of the VA Caregiver program to include all disabled veterans is a major victory for FRA. The current program is available only to veterans who were seriously disabled on or after September 11, 2001. The Association wants to thank all of the Shipmates who used the FRA Action Center to weigh in on this important legislation.
9 FRATODAY /// July 2018 9 President Donald Trump recently nominated the current acting Veterans Affairs Secretary Robert Wilkie to be the next Secretary of the Department of Veterans Affairs, a position that requires Senate approval. The announcement was made during a White House summit on prison reform and caught many Washington observers by surprise. Wilkie has served as Acting Secretary since March, following the ring of David Shulkin amid a travel scandal. Trumps rst pick to replace Shulkin, former White House physician Navy Rear Adm. Ronny Jackson, withdrew his name from consideration after allegations emerged about unprofessional behavior and medication mismanagement while serving at the White House. Before his appointment as VA Acting Secretary, Wilkie was the Under Secretary of Defense for Personnel and Readiness. The son of an Army artillery commander, he spent his youth at Fort Bragg (N.C.). He has more than 20 years of experience at the national and international level. Wilkie served both Robert Gates and Donald Rumsfeld as Assistant Secretary of Defense from 2005 to 2009. Prior to his rst Pentagon tour, he was Special Assistant to the President for National Security Affairs and a senior director of the National Security Council under Dr. Condoleezza Rice. Wilkie also has extensive experience in the United States Congress including recent service as Senior Advisor to Senator Thom Tillis (N.C.) as well as being Counsel to the former Majority Leader of the U.S. Senate, the Honorable Trent Lott (Miss.). Wilkie is a reserve ofcer in the United States Air Force Reserve assigned to the Ofce of the Chief of Staff. Prior to joining the Air Force, he served in the United States Navy Reserve with the Joint Forces Intelligence Command, Naval Special Warfare Group Two and the Ofce of Naval Intelligence. A graduate of the College of Naval Command and Staff, Air Command and Staff College, the United States Army War College and the Joint Forces Staff College. He holds personal and unit decorations as well as the Defense Distinguished Public Service Medal, the highest civilian award of the Department. capitol hillON & OFF Veterans' Issues Director of Legislative Programs John Davis, participated in a Capitol Hill press conference pertaining to the FRA-supported legislation, Burn Pits Accountability Act (H.R.5671). It is sponsored by Reps. Tulsi Gabbard (Hawaii) and Brian Mast (Fla.), Iraq and Afghanistan veterans respectively. The bill seeks to address the widespread exposure of service members to airborne toxins from burn pits during post 9/11 deployments, a problem experienced by many veterans who served in Iraq and Afghanistan. These toxic exposures could potentially impact millions, and many post 9/11 veterans believe this could be the Agent Orange issue of their generation. The VA estimates 3.5 million veterans are eligible to register in the VAs Airborne Hazards and Open Burn Pit registry, which tracks exposures to airborne toxins. The registry was established to address the concerns veterans have that these exposures could result in cancer, respiratory issues and birth defects. A denitive scientic link between exposure and specic illnesses has not yet been madethe same was said for many years about the Vietnam veterans exposed to the Agent Orange herbicide. Currently, the VAs Burn Pit registry is not well-known and is underutilized. The result is that the data on these exposures is not being collected at the levels desired to determine causality. Presently, the Department of Defense (DoD) has not taken formal accountability of toxic exposures by theater locations for deployed service members. Specically, the bill directs DoD to provide periodic health assessments during deployment and during military separations, an evaluation of whether or not a service member has been exposed to open burn pits or toxic airborne chemicals. If they report being exposed, they will be enrolled in the Burn Pit registry unless they opt out. Members are urged to use the FRA Action Center to weigh in on this issue. Trump Nominates Willkie for VA Secretary Press Conference on Military Burn Pits
FRATODAY /// July 2018 10 USCG Commemorative Coin Act IntroducedRep. Joe Courtney (Conn.) introduced the United States Coast Guard Commemorative Coin Act (H.R. 2317) that would honor the men and women of the Coast Guard and support the establishment of the National Coast Guard Museum. Despite its signicant role in our national defense, the U.S. Coast Guard is the only uniformed service without a national museum to showcase its 228 year history. In 2004, FRA-supported passed legislation authorizing the National Coast Guard Museum to be located in New London, Connecticut. This bill would honor all those who have served in the Coast Guard by the minting of a special commemorative coin and proceeds from sales would be used to support the development and operation of the museum via the National Coast Guard Museum Association, a nonprot organization dedicated to supporting the facility and to expanding awareness of the important history, service and missions of the Coast Guard. Members can use the FRA Action Center located on the website (www.fra.org) to ask their Representative to support this legislation.President Trump Honors Military Spouses and Military MothersFirst Lady Melania Trump praised military mothers, and President Trump praised military spouses during a recent White House event. The President stated, While our men and women in uniform serve our country on base or abroad, their spouses face many challenges to build families at home. At the event, President Trump issued an executive order Enhancing Noncompetitive Civil Service Appointments of Military Spouses to improve opportunities for military spouses looking for employment in the Federal Government. The order includes: Requiring Federal agencies to promote the use of noncompetitive hiring authority, which currently exists for military spouses, to the greatest extent possible; Directing the Ofce of Personnel Management (OPM) to educate agencies regarding the use of the noncompetitive hiring authority and to increase awareness of the opportunities it creates among military spouses; All agencies to report annually on their progress in advertising positions to, obtaining applications from, and hiring military spouses; and Requesting federal agencies to recommend new ways to improve license portability. The President noted a higher unemployment rate persists notwithstanding that the military spouse population has a higher level of education than the population at large. In 2016, only 57 percent of military spouses participated in the labor force, compared to 76 percent of the population at large. The President added that only ve percent of military spouses consider themselves nancially well off. He would like to provide signicantly greater opportunities for military spouses to be considered for Federal employment. capitol hillON & OFF Active Duty/ Reserve Issues National Executive Director (NED) Thomas J. Snee attended a White House ceremony honoring wounded warriors. The program (Soldiers Ride D.C.) was sponsored by the Wounded Warrior Project. Its a four-day event that provides a bike ride for injured veterans and wounded service members, and this year the nal day included a White House ceremony. President Donald Trump spoke to program participants and told them that veterans come rst in his administration. He stated that he wants to continue and expand the VA Choice Program as well as continue efforts to improve the quality of leadership and accountability at the Department of Veterans Affairs. The White House event was intended to bring together the military and veteran communities to highlight their shared commitment to empower injured service members. NED Participates in White House Ceremony for Wounded Warriors
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capitol hillON & OFF FRATODAY /// July 2018 12 12 Retiree Issues The Senate Armed Services Committee (SASC) marked up the Senate version of the National Defense Authorization Act (NDAA) in closed session. The day before, DLP John Davis attended the Personnel Subcommittee markup. FRA signed onto a The Military Coalition (TMC) statement provided to the Senate Subcommittee before the meeting that urged the Subcommittee to do the following: Expand concurrent receipt; Require the Defense Health Agency to review and report on the impact higher fees are having on beneciaries; Provide an annual active-duty pay increase (2.6 percent) that is at least equal to civilian pay increases (in the markup); Continue to adequately fund Commissaries; Increase the maximum employer contribution in the new Blended Retirement System from 4 percent to 5 percent of base pay; and Eliminate the SBP/DIC offset. The full committee (SASC) markup provided the full active-duty pay increase at 2.6 percent, and prohibits a scheduled one percent cut in Basic Allowance for Housing (BAH) The SASC markup does not include any TRICARE fee increases or pharmacy co-pay increases. The bill also does not include any concurrent receipt reform and FRA is working to le a Senate oor amendment to the bill to expand concurrent receipt. The full House amended and passed (351 to 66) its version of the FY2019 Defense Authorization Act. The House approved bill (H.R. 5515) provided the full active-duty pay increase at 2.6 percent. An FRA supported House oor amendment on concurrent receipt was blocked because it did not have a pay for to offset the cost of the amendment. More than 550 oor amendments where led and most where blocked from being debated and voted by the full House. The House did vote to include a two-year U.S. Coast Guard authorization bill into the House version of the NDAA (H.R.5515). The bill that passed the House (H.R.5515) provides: No TRICARE fee increases or pharmacy co-pay increases; Mandates Government Accountability Ofce (GAO) to report to HASC on the TRICARE structural changes impacting beneciary access to health care services no later than March 29, 2019; The full by-law and highest pay raise for the troops in 9 years (2.6 percent); An increase in active duty end strength by 15,600 (Navy increased 7,500); For the Secretary of the Army to take steps to extend the life of Arlington National Cemetery; That DoD review mental health and wounded warrior programs for effectiveness; and Reform the Transition Assistance Program (TAP). Once both chambers of Congress approve their legislation a conference committee will be appointed to resolve the differences between the two bills. This nal version will then be voted on by both chambers of Congress and if approved will be sent to President Trump to be signed into law or vetoed. FRAs National President William Starkey represented the Association during the Memorial Day ceremonies at Arlington National Cemetery on Monday, May 28. He joined other national leaders in honoring the men and women who have died in service to their nation by laying a wreath at the Tomb of the Unknowns. Branches from the East Coast Regions Central Liaison Committee sponsored a ceremony at the U.S. Navy Memorial on May 26. Other FRA leaders participated in Memorial Day ceremonies across the country to pay tribute to Americas fallen heroes. On Saturday and Sunday (May 26 and 27) Shipmates from around the D.C. area and members of the FRA National Headquarter (NHQ) team staffed an information booth at Rolling Thunder, an annual motorcycle tribute in the nations capital to show the country and the world that Vietnam POWs and MIAs are not forgotten. Memorial Day Observances NDAA Moves Forward in the House and Senate
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capitol hillON & OFF FRATODAY /// July 2018 14 14 14 Retiree Issues The Physical Disability Board of Review (PDBR) was created by the FY2008 Defense Authorization Act (NDAA) to reassess the accuracy and fairness of combined disability ratings of 20 percent or less for service members who were separated from service, rather than medically retired because of medical conditions. In order to be eligible for a PDBR review, service members must have been medically separated between September 11, 2001, and December 31, 2009, with a combined disability rating of 20 percent or less, and found ineligible for retirement. According to Military.com, only 19,000 of the more than 71,000 eligible have requested a review of their claim. The PDBR claims that more than half of reviewed claims have been upgraded to a disability rating of 30 percent or more. This review panel is authorized to recommend an increase in a disability rating, uphold the previous nding, or issue a disability rating when the previous board did not assign one. The board, however, is NOT able to recommend a lower rating. Eligible veterans can request a board review by submitting Department of Defense Form 294, Application for Review of Physical Disability Separation from the Armed Forces of the United States. Click here to view form online. Veterans requesting a review must mail their completed and signed DD Form 294 to: SAF/MRBR 550 C St. W., Suite 41 Randolph Air Force Base, TX 78150-4743 Applicants may submit statements, briefs, medical records or afdavits supporting their application. More information about PDBR is available on their website (https://health.mil/) then search for: Physical Disability Board of Review. AFRH CEO Visits FRA NHQAs a direct result of FRAs members Taking Action about the pending fee increase at the Armed Forces Retirement Home (AFRH), the AFRH Chief Executive Ofcer, Army Major General (Ret.) Steven Rippe and his staff met with NED Thomas J. Snee and staff at FRA. They met to discuss the huge rent increase being imposed on elderly military retirees living at the AFRH. During the meeting, AFRH personnel explained that they are operating at a $22 million decit and while the raising fee proposal alone will not cover this decit it will signicantly close that gap. There are other proposals and renovations planned that will generate revenue but still will not cover the full decit. FRA expressed concern that these huge rent increases will have a devastating impact on individual residents. Assistant Director of Veterans Programs, Brian Condon meet with FRA Shipmates at the Armed Forces Retirement Home (AFRH) in Washington, DC in regard to huge rent increases scheduled to take effect on October 1, 2018. Shipmates in attendance thought the increase was a result of poor management and the cost to x it should not be put on them. They entered the Home with the belief that they would stay there for the remainder of their life time. They are not against an increase but the sudden and substantial increase starting October 1, 2018 is viewed as excessive. After the member meeting, ADVP Brian Condon attended a meeting with senior ofcials of the Washington DC AFRH to discuss the pending implementation of signicant fee increases for its residents. The AFRH has two locations: One in Gulfport, Mississippi and one in Washington, DC. Together they are capable of housing up to 1,133 residents. Fees for those in the independent living program (75 percent of residents) are based largely on income. Beginning October 1, 2018, these fees will increase from 40 percent of income to 60 percent of income. The current maximum rent is $1,458 per month. After October 1, the maximum rent will be $3,054 per month. Many of the residents who live there are elderly and on a xed and limited income. This extraordinary raise in rent will put a nancial burden on those who have served our country. Members are urged to visit the Action Center on the FRA website and continue to contact Congress urging them to provide additional funding and stop this excessive increase. PDBR Review of Disability Claims Continues
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FRATODAY /// July 2018 16 FEATURE People often use the term long-term care when talking about assistance for the aging, elderly or disabled. is type of care is not intended to cure you. It is chronic care that you might need for the rest of your life. You can receive long-term care in your own home, a nursing home or another long-term care facility such as an assisted living facility. People often confuse long-term care with disability or short-term medical care. Longterm care is not: care that you receive in the hospital or your doctors oce; care you need to get well from a sickness or an injury; short-term rehabilitation from an accident and recuperation from surgery. A 2016 study by the U.S. Department of Health and Human Services estimates that about one in two Americans turning age 65 will develop a disability serious enough to require long-term care. Most will require TRICARE Options When Facing Long-Term Care NeedsBy Military Health System Communications Team
17 FRATODAY /// July 2018 TRICARE Options When Facing Long-Term Care Needs FEATURE Mary Ann Borgman, a physician assistant on Naval Branch Health Clinic Jacksonvilles Medical Home Port Silver Team and a native of Jacksonville, Florida, checks a sailors heartbeat. April 30, 2018 marked the 1st birthday of Navy Medicines Civilian Corps. The Civilian Corps joined the Medical, Dental, Medical Service, Nurse, and Hospital Corps as a means to support career and leadership development for Navy Medicines civilian team.
FRATODAY /// July 2018 18 assistance for less than two years. Approximately one in seven adults will have a disability for more than ve years. As you age, it is important to understand what your health plan covers and have long-term care insurance or a nancial plan for long-term care, which is generally not covered by Medicare or TRICARE, says Anne Breslin, senior health program analyst and TRICARE For Life program manager at the Defense Health Agency. Long-term care, also known as custodial care, generally involves helping someone with activities of daily living, like walking, showering or dressing. It can also include supervision of someone who has problems with their memory, language, thinking and judgement. Like most employer-based health insurance coverage in the U.S., TRICARE does not cover long-term care. Public programs like Medicare and Medicaid may help cover the costs for some long-term care services in certain circumstances. e patient generally has to pay for long-term care services themselves, unless they have long-term care insurance. To cover potential long-term care expenses, some TRICARE beneciaries may qualify to purchase long-term care insurance through commercial insurance programs or through the Federal Long Term Care Insurance Program. is type of insurance is a smart way to protect your income and assets and remain nancially independent should you need long-term care services at home, in a nursing home or at another long-term care facility. Please visit their website (www.ltcfeds.com) for more information.What TRICARE CoversTRICARE covers long-term care hospitals, skilled nursing facility care, durable medical equipment, home health care and hospice care. To learn more about each one of these services, read the following descriptions. Long-term care hospitals (LTCHs): LTCHs dier from long-term care. ey provide care for patients with multiple serious medical conditions that require a longer stay than traditional hospitals. ere must be a need for intensive medical care. Patients receive extended periods of care before they are well enough to return home or go to rehabilitation. e average length of stay is 25 days or more. Skilled nursing facility care: Skilled nursing facilities provide skilled nursing, rehabilitation and other care, including medications. Skilled nursing facilities are not nursing homes or intermediate facilities. TRICARE may cover your costs if you are FEATURE Members of Project Hope, a non-prot that provides health care during disaster and health crises, give check-ups to elderly citizens of Jayuya, Puerto Rico, Oct. 25, 2017. Photo by Airman 1st Class Nicholas Dutton
FEATURE (Above) Cmdr. Michael Johnston, right, a student of the Navys rst Role 2 Light Maneuver (R2LM) course, prepares to make an incision on a mannequin during a ship-board combat surgery training exercise aboard guided-missile destroyer USS Bulkeley (DDG 84). Photo by Mass Communication Specialist 2nd Class Michael J. Lieberknecht (R) Naval Hospital Bremerton (NHB) went blue on November 14, 2017, to help spread awareness of World Diabetes Day 2017. NHBs Health and Wellness Department used the date to promote the PREVENT T2 Diabetes Prevention Program which begn January 2, 2018. Photo by Douglas H. Stutz, NHB Public Affairs Ofcer
FRATODAY /// July 2018 20 treated in a hospital for at least three consecutive days, not including the day of discharge and you enter the skilled nursing facility within 30 days of the hospital discharge. Durable medical equipment: TRICARE covers durable medical equipment when prescribed by a physician. However, certain limitations apply. Durable equipment are certain medically necessary items that can withstand repeated use and primarily and customarily serves a medical purpose. ey are generally not useful to an individual who does not have an illness or injury. Wheelchairs and hospital beds are just two examples of durable equipment. Home health care: TRICARE covers home health care for beneciaries conned to the home. It includes part-time or intermittent skilled nursing services and home health care services. A participating home health care agency must provide all care and your regional or TRICARE for Life contractor must authorize all care in advance. Additional benets may be available to injured homebound service members and their caregivers. e Extended Care Health Option (ECHO) provides nancial assistance to eligible active duty family members with special needs. It also provides expanded in-home medical services through TRICARE ECHO Home Health Care (EHHC). EHHC is limited to the 50 United States, the District of Columbia, Guam, Puerto Rico and the U.S. Virgin Islands. Hospice care: If you or a TRICARE-eligible family member suers from a terminal illness, TRICARE hospice care provides supportive services, such as pain management. With TRICARE hospice care, patients expected to live six months or less can get palliative care and home health-aide services. Otherwise, these services are limited under TRICAREs basic program options. Your regional contractor can work with you to begin hospice care. To learn more about TRICARE covered services, visit their website (www.tricare.mil) and click on Whats Covered. For information about other long-term care resources, visit the U.S. Department of Health and Human Services, Administration on Agings website (longtermcare. acl.gov). FRAFEATURE What Does Medicare Pays For? Healthcare for people age 65 years and older Healthcare for people under age 65 with receiving Social Security Disability benets Healthcare for people of all ages diagnosed with Amyotrophic Lateral Sclerosis (ALS or Lou Gehrigs disease) or end-stage renal disease (permanent kidney failure that requires dialysis or a kidney transplant). Medicare covers medically necessary care for acute care, such as doctor visits, drugs, and hospital stays. Except for the specic circumstances described below, Medicare does not pay for most long-term care services or personal care, such as help with bathing or for supervision (often referred to as custodial care). Following Hospitalization, Medicare will help pay for a short stay in a skilled nursing facility if you meet all of the following conditions: You have had a hospital admission with an inpatient stay of at least three days You are admitted to a Medicare-certied nursing facility within 30 days of that inpatient hospital stay You need skilled care, such as skilled nursing services, physical therapy, or other types of therapy If you meet all these conditions, Original Medicare will pay a portion of the costs for up to 100 days for each benet period as follows: For the rst 20 days, Medicare pays 100 percent of the cost. For days 21 through 100, you pay a daily copayment, which was $164.50 as of November 2017), and Medicare pays any balance. Medicare does not pay costs for days you stay in a skilled nursing facility after day 100.
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FRATODAY /// July 2018 22 FEATURE Need Long-Term Care? (and Questions)Solutions Abound>
23 FRATODAY /// July 2018Service in the Navy, Marines or Coast Guard qualies you for TRICARE, the militarys health insurance plan. TRICARE covers many conditions and eventualities but one it does not cover is longterm care. is is where you will need assistance with one or more essential activities of daily living such as dressing, eating, bathing and using the toilet.1 As Americans live longer, the likelihood for needing long-term careresulting from debilitating injury, dementia or the eects of agingincreases. In 2000, almost 10 million people in the U.S. needed long-term care,2 at home, in an assisted-living facility or a nursing home. Now, its projected that slightly more than half of Americans turning 65 today will need it.3 Services can range from skilled care, such as provided by a medical professional in a nursing home, to personal care, which can be administered at your residence.4 Whatever form long-term care takes, its cost can put your retirement savings and investments at risk. Costs range from an average $26,000 a year for adult day health services at home to $97,000 a year for a private room in a nursing home.5 Costs continue to rise so if you project ahead to the year 2019, a person needing at-home care may have to FEATURE
FRATODAY /// July 2018 24 FEATURE spend an average $100,000 a year.6 Since most long-term care is needed during post-working years, many people have to sacrice their nest eggs. Others come up with the money by selling their homes or increasing their debt. eir loved ones may have to repay the loans if the person in care passes away. Medicare and MedicadeMany people are surprised to learn that they cannot rely upon government programs to cover longterm care. For example, Medicare covers it but only under certain circumstances and only for 100 days.7 Medicaid, the combined federal-state health insurance program for the indigent, pays for longterm care but only for those with limited income and assets. ese and other requirements vary from state to state and not all long-term care facilities will accept Medicaid.8 If you cannot pay for long-term care on your own, many nancial advisors recommend longterm care insurance to help you oset a portion of the costs. A long-term care policy pays a daily benet that can be applied to the cost of care or used to reduce the amount you have to pay out of pocket. e cost for an insurance policy can be aected by several factors, including your age when you purchase, the dollar amount the policy pays, the maximum time you receive payments, and the deductible and waiting period you elect.9 e policy takes eect when you are diagnosed as needing care and after you satisfy any waiting period and deductible.Federal Long-Term Care Insurance Although TRICARE does not cover longterm care, federal employees, including many active or retired service people, can apply for Petty Ofcer 3rd Class Samantha Rath, a Health Services Technician at the Coast Guard Yard clinic in Baltimore, gives a patient an injection at the clinic. The clinic provides health care services for the Coast Guard members and civilian employees of the yard. Photo by Petty Ofcer 3rd Class Jonathan Lindberg.
25 FRATODAY /// July 2018 coverage through the Federal Long-Term Care Insurance Program (FLTCIP). Policies are administered by the private insurer John Hancock. Eligible members include active and retired military and full-time National Guard and Selected Reserve personnel. Individual Ready Reserve members are not eligible. Policies cover care both at home and in facilities and do not exclude needs based on war-related occurrences. Premiums range from $174 to $545 a month for persons age 65. Visit the Oce of Personnel Management website (www. opm.gov/insure/ltc) to learn more.10 One alternative to consider is a private policy, which is oered by about a dozen companies. If you are age 55 and in good health, you can expect to pay about $1,800 a year for a policy that has a 90-day waiting period, pays $150 per day for ve years in a variety of care settings and adds an optional 5% ination increase.11 A portion of premiums may be tax-deductible, if you can itemize medical expenses.12 How likely are you to use the insurance? Remember, the projection is that slightly more than half of Americans turning 65 today will need it, and for less than ve years, on average (3.2 years for men, 4.4 years for women13). In contrast, auto insurance experts say you will average three or four accidents over your driving lifetime.14 Homeowners average a claim every 10 years or so.15 Obviously, long-term care FEATURE Petty Ofcer 2nd Class Justin Stephen, a Health Services Technician at the Coast Guard Yard clinic in Baltimore, prepares a patient for an X-ray. Photo by Petty Ofcer 3rd Class Jonathan Lindberg.
FRATODAY /// July 2018 26 FEATURE FOOTNOTES 1. https://longtermcare.acl.gov/the-basics/what-is-long-termcare.html 2. https://longtermcare.acl.gov/the-basics/index.html 3. U.S. Department of Health & Human Services, Long-Term Services and Supports for Older Americans: Risks and Financing, viewed 2-2 at https://aspe.hhs.gov/system/les/ pdf/106211/ElderLTCrb-rev.pdf 4. Texas Department of Insurance, tdi.texas.gov 5. Genworth, Genworth 2017 Annual Cost of Care Survey: Costs Continue to Rise Across All Care Settings, published 9-26-17 and viewed 2-5 18 at http://newsroom.genworth. com/2017-09-26-Genworth-2017-Annual-Cost-of-CareSurvey-Costs-Continue-to-Rise-Across-All-Care-Settings 6. Health & Human Services, op. cit. 7. https://longtermcare.acl.gov/the-basics/who-pays-for-longterm-care.html 8. Longtermcare.gov, op. cit. 9. The Motley Fool, Your 2018 Guide to Long-Term Care Insurance, published 2-2-18 and viewed 2-5-18 at https:// www.fool.com/retirement/2018/02/02/your-2018-guide-tolong-term-care-insurance.aspx 10. U.S. Ofce of Personnel Management https://www.opm. gov/healthcare-insurance/long-term-care/www.opm.gov/ insure/ltc 11. Motley Fool, op.cit. 12. American Association for Long-Term Care Insurance, Long-Term Care Insurance Tax Deductible Limits Increase, published 10-23-17 and viewed 2-5-18 at http://www.aaltci. org/news/long-term-care-insurance-association-news/ long-term-care-insurance-tax-deductible-limits-increase 13. U.S. Department of Health & Human Services, op. cit. 14. Forbes, How Many Times Will You Crash Your Car? viewed 2-5-18 at https://www.forbes.com/sites/ moneybuilder/2011/07/27/how-many-times-will-you-crashyour-car/#127e8c544e62 15. Zacks investment rm, How Often Does the Average Homeowner File Insurance Claims? viewed 2-5-18 at https://nance.zacks.com/average-homeowner-leinsurance-claims-8387.htmlinsurance is complicated. Should you buy it? It dependspolicies are not for everyone. Because of this, the Fleet Reserve Association has partnered with Mercer Consumer to oer advice for this type of insurance. By accessing the Long-Term Care Resources Network, you can schedule a one-on-one consultation with a licensed specialist who is not tied to one company. You will get answers to all your questions and never be under any obligation to purchase anything. e Long Term Care Resources Network works with top-rated providers such as Genworth, Mutual of Omaha, Transamerica, One America/State Life, Lincoln Financial and Nationwide. If you would rather get this information and not have anyone call you, you can visit the website (FRAinsure.com), click on Long-Term Care Insurance from the drop-down menu and click on LTC Planning Tool. At the bottom of the page, you can download a Long-Term Care Solutions Kit in PDF form. FRA Cmdr. John Cason, program director at the Navy Refractive Surgery Center, performs a KAMRA corneal inlay procedure for the treatment of presbyopia in San Diego, Calif. This is the rst procedure of this kind done within the Department of Defense. Photo by Mass Communication Specialist 2nd Class William Cousins
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FRATODAY /// July 2018 28 FITNESS The Importance of a Cardio Routine By Denny MarshallCardio, short for cardiovascular, exercise is any movement that gets your heart rate up and increases blood circulation throughout the body. ere are various forms and methods of performing cardio exercise, all which will have specic benets and guidelines. Regular cardiovascular exercise is important for people of all ages, including seniors. Cardio improves lung capacity and heart function, increases stamina and boosts the immune system. When training my clients, I implement cardio into our weight training regiment to improve muscle endurance. ere are a lot of benets to performing cardio such as improved heart health, increased metabolism, improved ability to recovery and management of diabetes. e rst benet is an improved condition of your heart. Your heart is a muscle just like any other and in order for it to become strong it must be worked. If you fail to work your heart, it will weaken over time, which can cause a variety of negative health eects. By getting the heart pumping at a faster rate on a regular basis, you will keep it in shape and healthy. Another benet to performing cardio is the positive eects it has on your metabolism. An increased metabolism means an easier eort in maintaining your weight. Low cardio exercise more moderately paced formscan decrease recovery time. is helps to reduce muscle soreness after a weight training session. Lastly, for those with diabetes, cardio helps manage your condition by increasing your muscles ability to utilize glucose. The BenetsWhen you regularly perform cardiovascular exercise, it decreases your blood pressure and your resting heart rate. is means your heart does not have to work as hard all the time, which is good for your
FITNESS entire body. We know cardio exercise benets your heart but that is not all. Here are some other benets for your body. Brain: Increases blood ow and decreases chances of stroke. It also improves memory and thinking ability. Combats decline in brain function with age and helps protect against developing Alzheimers disease. Skin: Increases circulation, leading to clearer, healthier skin. Blood: Helps control blood sugar, improves good cholesterol levels and lowers blood fats. Lungs: Helps decrease demands on lungs as your ability to exercise improves and helps reduce fatigue and shortness of breath in those who have chronic lung problems. Weight: Helps you maintain a healthy body weight by burning more calories throughout the day. Bones and Joints: Fights osteoporosis and reduces your chances for hip fractures. Helps manage arthritis discomfort and maintains range of joint motion. Mood: Boosts your mood, especially after a stressful day and combats depression plus improves your self-esteem. Anxiety & Stress: Releases tension ghting hormones such as serotonin, dopamine and norepinephrine. Sleep: Helps you fall asleep faster and promotes REM sleep. Be sure to avoid vigorous exercise too close to bed or you may be too energized to sleep. Energy: Releases endorphins, giving you more lasting energy throughout your day. Cardiovascular exercise usually falls into one of two broad categories. First, aerobics or long slow distance training such as jogging and interval
FRATODAY /// July 2018 30 FITNESS training where a short, fast-tempo work is alternated with a slow and easy pace. Second, endurance work that is ideally done on days that you are not weight training. If you choose to combine endurance with weights on the same day, most people nd it more eective to lift weights rst. However, it is possible to combine cardio and weights together by using a circuit training method. ere are three factors to consider when deciding how much exercise is enough to build and maintain a strong heart and lungs, without a breakdown or loss of muscle and other bodily tissue. ese three factors are: 1. Frequency: Usually three cardiovascular workouts each week are best for overall tness. Less often is not enough to maintain tness and more than three times may lead to the breakdown of muscle. 2. Duration: Eective workouts can be as short as twenty minutes or as long as one hour. Shorter but more intense workouts, such as interval training, are more eective for fat burning and conditioning than long, slow workoputs such as aerobics. 3. Intensity: ere is no absolute measure of intensity in cardiovascular exercise. I use a little trick called e Talk Test while jogging or running. If you can talk while performing then you are at an aerobic intensity.Variety May Be the KeyOne common mistake is doing the exact same workout time after time. Most people get better results by cycling through their workouts using dierent intensity levels and when possible, dierent exercise options. Variety also reduces the chance of overuse of the same muscle groups, which may cause injury. I like to implement cardio in my everyday training routine. I start o my clients sessions with a combo walk/run on a treadmill for one mile as a warm up. is gets oxygen to their muscles so they can get maximum performance out their muscles. My athlete clients also perform strict cardio activities two days each week. One day we emphasize conditioning and speed training. e other day, we focus more on sport-specic movements based upon the sport that athlete performs. Barring other health conditions, the average healthy adult older than 65 should aim for around 150 minutes of moderately-intense cardio exercises every week. The Value of Low IntensityLow intensity activities only mildly increase your heart and respiration rate. Walking is a standard form of low intensity cardio. A stroll down the sidewalk, around the block or even walking down a grocery aisle all count toward your weekly 150 minutes. Swimming is another low intensity activity that oers good cardio benets. As an added benet, being in water helps ease and relieve joint strain and pressure. Moderate intensity exercises raise your heart and breathing rates more than low intensity activities. Light jogging or biking are good but a stationary bike may be better if you have a problem with your balance. You can also take up dance for a more social option. ere are
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This is what the clinical studies have shown and is why so many U.S. doctors are now recommending it to patients, he added.WHY SO MUCH EXCITEMENT?Since hitting the US market, sales for Lipogen PS Plus have soared and there are some very good reasons why. To begin with, the clinical studies have been impressive. Participants taking the active ingredient in Lipogen PS Plus saw a 44% improvement in mental function. They also enjoyed a stronger memory, better recall, and were notably more upbeat and happy. Lipogens active ingredient is made of a natural compound. It is both safe and healthy. There are also no known side effects and it can be taken safely alongside any other medications. Scientists believe that it helps to stimulate the growth of new brain cells in the hippocampus. The hippocampus is the part of the brain thats responsible for forming and storing long and short term memories. 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Some people experience this is the form of lapses in concentration, forgetfulness, and the inability to recall important dates, names, and facts. This would explain why so many users are experiencing impressive results so quickly. After about two or three weeks of taking the recommended dose, I noticed that I was remembering things, regardless of the degree of importance. Also, I noticed I was more alert and able to concentrate. Hooray! Linda R, West Virginia I am a 51 year-old woman taking your formula for about two months. I recognize a distinct difference is my memory and mental acuity. My mind is razor sharp! -Linda H., Flowery Branch, GA REDUCES STRESS AND ANXIETYPublished, clinical reports show daily dosing with phosphatidylserine not only helps sharpens your mind but also helps perk you up and put you in a better mood. PS helps to manage everyday stress and elevate your mood by lowering your bodys production of the hormone cortisol. 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a many other activities you can do to keep your cardiovascular levels high. Power Walking: Power walking goes by several dierent names, speed walking, exercise walking or tness walking. One example is hiking. Treadmill: e treadmill is the most popular exercise machine for cardiovascular training. You can walk or run, and also change the incline to simulate uphill walking or running. Water Aerobics: Water aerobics is cardiovascular exercise done in a swimming pool and is a form of resistance training. One of the benets is the reduced risk of muscle or joint injury. Water activities use more energy than land-based exercises because of the increased resistance caused by the water. Elliptical Machines: Elliptical machines are stationary exercise machines that simulate walking or running but without putting pressure on your joints. Steppers or Stair Climbers: Stair Climbers are good for beginners and well-conditioned athletes because you control the speed and amount of resistance. Stationary Bike: Exercise bikes have low impact on your joints while still providing excellent cardiovascular exercise. You can pedal at a long, slow pace or high intensity intervals. You can also increase resistance on these bikes. ese are a few points to keep in mind. Have a thorough physical examination before beginning your exercise program. Use a variety of intensity levels and, if possible, types of activities. Cardio is extremely important but overdoing it can cause the breakdown of your muscles. As a senior, your goal is to build and maintain muscle, not tear it down. FRA Denny Marshall operates 360 Fit Performance with his business partner Myron Flowers. They believe everyone is an athlete and strive to bring that athletic aspect out of every client. Fitness 360 takes a grassroots approach in training student athletes from youth sports to high school, college and even at the professional level. Fitness 360 has some notable clients such as the National Football Leagues Vernon Davis, Vontae Davis, Steffon Diggs, Ronald Darby, Tahir Whitehead, Muhammad Wilkerson and Blake Countess. 33 FRATODAY /// July 2018 rffrntbrrtbbr Call (866) 916-8763 f nntfbf bfb t brfnt ff bt bfff FREE CONSULTATION rrfrnrtb f bnb ff r rrf Its the ONLY prod uct that helps relieve the burning, and tingling feeling in my feet! sold at Walgreens, CVS, Rite Aid, Kroger, Target and Walmart FREE www.MDFootCream.com STABBING FOOT PAIN? It is fading my liver spots. This product actually works!!! FREE AGE SPOTS? treat or cure It provided me with the only relief for my sciatica. sold at Rite Aid Pharmacy, FREE Order at www.LegBackCream.com SCIATICA BACK PAIN? ADVERTISEMENT
FRATODAY /// July 2018 34 AMERICANISM ESSAY Merriam Webster denes patriotism as a love or devotion to one's country. However, patriotism is much more than a textbook denition. Patriotism is a way of life, a mindset, a quality that stays with you in spite of changing times and it has been exemplied in various ways throughout American history. Picture yourself in the shoes of a soldier during the American Revolution, where this whole idea of patriotism began. Even though you are cold, hungry, and homesick, you will do anything to defend your new country; thats patriotism. Imagine a young Union soldier in the Civil War, humble eyes behind a musket as he grasps his shiny bayonet. Observing the bloodshed around him, he knew it was his duty to preserve the Union; thats patriotism. As the soldiers stormed the beaches of Normandy, preparing for battle, it was patriotism that motivated them to persevere. Patriotism is what I see when I look at pictures of my late grandfather in Vietnam, knowing that he left his family at home so he could defend the land that he loved. Patriotism is a group of reghters erecting an American ag amid death and destruction brought on by terrorism, while my father, grandfather and countless rescue workers searched tirelessly for their fellow Americans. Today, patriotism is the driving force behind the brave men and women who continue to ght for our country and face some of the worst evils our world has ever seen. I have a profound respect for our ne nation and consider myself to be deeply patriotic. It pains me to see American citizens disrespecting our ag, bashing our country, and forwarding their own agendas under the guise of patriotism. Patriotism does not see race or political lines. It is not meant to force a nation apart, but rather, bring it together. So, each time I stand proudly with my hand over my heart to recite the Pledge of Allegiance or sing the National Anthem, I am showing my love for this country, its history, its leaders, and most of all, my fellow patriots. What Patriotism Means to MeBy Jonathan Lustig, 8th Grade St. Patricks SchoolGrade 7 Winners 1st Place: Cynthia Natalia Lacan, Branch 175, Southwest Region 2nd Place: Chloe Gunawan, Branch 018, Northwest Region 3rd Place: Arabella Palor, Branch 004, East Coast RegionGrade 8 Winners 1st Place: Jonathan Lustig, Branch 226, Northeast/New England Region 2nd Place: Bailee Amos, Branch 251, South Central Region 3rd Place: Luke Anderson, Branch 077, Southwest RegionGrade 9 Winners 1st Place: Luke Duthie, Branch 146, Northeast/ New England Region 2nd Place: Annabel Peltzer, Branch 260, Southwest Region 3rd Place: Noelani Hadeld, Branch 185, West Coast RegionGrade 10 Winners 1st Place: Mary Clara Greer, Branch 216, North Central Region 2nd Place: Tori Waite, Branch 087, Northeast/ New England Region 3rd Place: Matthew Nguygen, Branch 099, East Coast RegionGrade 11 Winners 1st Place: Lily Grace Tomlinson, Branch 099, East Coast Region 2nd Place: Zachary Hutchinson, Branch 248, Southeast Region 3rd Place: Marnie Fitzgerald, Branch 072, Northeast/ New England RegionGrade 12 Winners 1st Place: Elizabeth Powers, Branch 072, Northeast/ New England Region 2nd Place: Savanah Olsson, Branch 091, Southeast Region 3rd Place: Cassidy Tshimbalanga, Branch 287, West Coast RegionCongratulations to the 2017 FRA Americanism Essay Contest Winners!e overall winner was Jonathan Lustig, Branch 226, Northeast/New England Region
AMERICANISM ESSAY Eligibility: Students, grades 7 through 12 Deadline: December 1, 2018 Requirements: 350 words or less about What Freedom of Speech Means to MeWebsite: www.fra.org/essay WHAT FREEDOM OF SPEECH MEANS TO MEFLEET RESERVE ASSOCIATION 2018-2019 AMERICANISM ESSAY CONTEST Grand Prize $5,000 18 National Awards and Regional / Local Prizes Proudly Sponsored By: FRA Americanism Rules1. All entrants shall be students in grades seven through twelve (or equivalent). 2. Entrants must be sponsored by a branch of the Fleet Reserve Association or a unit of the Ladies Auxiliary, or by an FRA Member-at-Large. 3. The essay shall be on the theme designated and shall not exceed 350 words. 4. The essay shall be legibly written or typed on one side of the paper. 5. The title of the essay shall be written or typed at the top of the paper. 6. A student may submit only one entry each year. 7. Each entry must be accompanied by a separate sheet stating: the entrants name; address; zip code; telephone number; school grade (or equivalent); name of school or the words home schooled; number of words in essay; and the sponsoring branch/unit or sponsors name. 8. Entries submitted to branches shall be submitted to the Branch AmericanismPatriotism Committee and postmarked not later than December 1, for judging at the branch level. 9. Entries sponsored by membership at large members shall be submitted to the national chairman and forwarded to an appropriate branch for judging in their respective grade group. All entries shall be postmarked not later than December 1. 35 FRATODAY /// July 2018
FRATODAY /// July 2018 36 MEMBERSHIP MATTERS Throughout the nation, the Fleet Reserve Association (FRA) is, some say, teetering on the cusp between continual growth and the eventual discontinuation of a long and viable veterans association. While many of our Shipmates have spent countless past years building the FRA, it is imperative that we revive our eorts to not just maintain but grow our rolls. Here at the Sierra-Tahoe Branch and Unit 137, Shipmates and members work together to achieve and fulll our objectives as outlined in our respective Preambles. Recruitment and retention are high on our joint priority list. We seek out every opportunity to grow our membership. Whether that be through participation in various community events, utilizing media avenues for public awareness, involvement with a local USMC base or just taking advantage of every opportunity to speak to veteranswhether as a group or just one-onone. Our Branch and Unit members are located throughout three Nevada communities: MindenGardnerville, Carson City and Dayton. Shipmates and Auxiliary members band together throughout the months with events that involve active military personnel, veterans and the community. Recently, we began the recruitment season by participating in Big Mamas Car Show held at a local community park in Gardnerville, Nev. ough the weather was a bit chilly, the Auxiliary brought hot coee and donuts to sustain Branch Shipmates while discussing the benets of FRA membership with prospective members. Both the Branch and Auxiliary recruited new members who signed up to become a part of the FRA and the LA FRA. Events like these also provide opportunities for our current Shipmates and members to enjoy the comradery and enhance the bonds we share with each otherby working together. is past May, in honor of Memorial Day, we again provided an annual BBQ at the USMC Mountain Warfare Training Centers Housing Area in Coleville, Calif. Shipmates were grilling hamburgers, bratwust and hotdogs, while the LA FRA members served up a variety of salads, BBQ beans and of course, a dessert. Entertainment was provided by our Branch Musician, Je Wayne who always adds to the gaiety of many of our activities. Historically, this event has been attended by approximately 400 hungry Marines and their families. e BBQ provided another opportunity for the recruitment of new Branch and Unit members. It also provided the opportunity for us to just say ank You for Your Service to a bunch of great young Marines.
As we turn the calendar to the next month, the following weekend required our Shipmates to put on the kitchen aprons and ip pancakes in neighboring Dayton, Nev. We put on a Pancake Breakfast as part of that communitys Oodles and Noodles event. Auxiliary members were responsible for the front end of the house insuring sucient seating and table settings were available. e local Sea Cadets, which we sponsor as part of our Youth program, helped out with busing the tables and trash details. is event added to the Branch treasury, which in turn allows us to fulll our goals. Outside the Community Center, an FRA/LA FRA table was set up to sell the breakfast tickets . but a recruiting opportunity like this could not be ignored, so the Branch and Unit set up their recruiting booth alongside the ticket table. en, it was onward to one of several parades where we proudly displayed the Colors axed to the FRA oat as Shipmates with Branch and Unit banners walked in the Carson Valley Daysparade held in Minden/Gardnerville. is brought public recognition to both the Fleet Reserve Association and Auxiliary. It was gratifying when Shipmates heard the youth of this community yell out ank you for your service! ough the upcoming months will be a little busier than most, such events are not unusual. We do not expect every member to participate in every event but to contribute in those they can. FRA Branch 137 and LA FRA Unit 137 are successful due to the working together mentality we have developed throughout the past years. Our ocers continue to accentuate the positive abilities of members and minimize their faults. Together we foster an atmosphere of humor, good will and an attitude of CAN DO! We share in ideas that benet the Association, veterans and our communities. FRA ARMED FORCES RETIREMENT HOME WASHINGTON, D.C. AND GULFPORT MISS.The Armed Forces Retirement Home is an affordable retirement community for eligible veterans who served primarily in the enlisted ranks.Whether its at our scenic, wooded campus in Washington, DC, or on the beach-side campus in Gulfport, Miss., AFRH offers supportive care and shared camaraderie. Affordable Independent Living for Eligible Veterans! Affordable Independent Living for Eligible Veterans!INCLUDED:General Services:Medical, Dental & Vision Wellness Program Recreational Activities Full Service Library Dining Facility Computer Center Banking Center Mail Room Campus BX/PX Barber & Beauty Salon On/Off Campus ShuttleMajor Amenities:Private Room-Shower Internet-TV connection Deluxe Fitness Center Movie Theater Bowling Center Hobby ShopsGulfport, Miss:Walking Path to Beach Outdoor Swimming Pool Ocean-view balconiesWashington, DC:9-hole Golf Course Stocked Fishponds Scenic Walking PathsFor more information or to obtain an application, call firstname.lastname@example.org | afrh.gov 3700 N. Capitol Street, NW, Washington, DC 20011 37 FRATODAY /// July 2018MEMBERSHIP MATTERS
FRATODAY /// July 2018 38 SHIPMATE NEWS Submit a photo for Shipmate News by email as an attachment in jpeg format to FRAtoday @fra.org or mail a high-quality photograph to FRAtoday, 125 N. West Street, Alexandria, VA 22314. Please include a brief description and include the names of those pictured. 1. BRANCH 44, COLUMBIA, TENN. Tennessee Valley Branch John Davis, National Chaplain from Pulaski, Tenn. (L) met with Congressman Marsha Blackburn to discuss concurrent receipt reform, supporting the Blue Water Navy Vietnam Veterans Act and excluding Defense from sequestration. 2. BRANCH 11, FT. WORTH, TEXAS PRPSC LAFRA Pat Snyder and PRPSC Mike Snyder present certicates and checks to the South Central regional essay winners (L to R) Granddaughter Payton Tapp, 1st place 10th grade $100; Pat Snyder; Great grandson Grayson Shefer, 3rd place 8th grade $50; Mike Snyder; Great granddaughter Charissa Orby, 3rd place 11th grade $50; Great grandson Landon Shefer, 2nd place 7th grade $75. 3. BRANCH 13, ATLANTIC CITY, N.J. Branch and Regional President Al Davenport along with Branch Vice President Bob Campbell presented Rowan College Development Director Joe Delgado (C) a scholarship check for $1000.4. FRA BRANCH 162, NEW ORLEANS, LA.PRPSC Dave Field (L) and Shipmate Jerry DuPre (R) present Naval Cadet Stephen Rayle his JROTC medal and certicate after his Change of Command ceremony at Brother Martin High School in New Orleans. Cadet Rayle is a graduating senior. 5. BRANCH 49, DENVER, COLO.Mile High Branch President Bill Hanzel presents a Patriotism Award to Cadet LCDR Jayden Peterson at the Mesa Ridge High School in Colorado Springs End of the Year NJROTC awards ceremony. 6. BRANCH/UNIT 163, PHOENIX, ARIZ.Shipmate Alfred Denofre and LA FRA NT Bea Parco tending the information & recruiting booth with the Phoenix Sea Cadets, Sunday March 18th at Lukes Air Force Base Air show. 7. UNIT 182, FREDERICK, MD. Regional President East Coast Shirley Vatter visited Unit 182 in Frederick, Maryland on April 19th and presented Helen Trimmer her 50-year pin, certicate and letter from NP Jean Smith! Helen was completely surprised! 1 2 5 6 9 12 13
39 FRATODAY /// July 2018SHIPMATE NEWS Submit a photo for Shipmate News by email as an attachment in jpeg format to FRAtoday@fra.org or mail a high-quality photograph to FRAtoday, 125 N. West Street, Alexandria, VA 22314. Please include a brief description and include the names of those pictured. 8. BRANCH 93, PATUXENT RIVER, MD. Branch Treasurer Otis Deloach presents a check to Merrilea Cherry, who was the overall winner for the branch Americanism essay contest that promotes the spirit of Americanism and patriotism among our countrys youth. 9. BRANCH 186, HERNANDO, FLA. The branch presented awards to the Crystal River High School NJROTC. (L to R) Branch President Jack Townsend, Freshman David King, Sophomore Mya Aungst, Junior Alena Beattie, Senior Alicia Callihan and two cadets who received $500 grants were Robert Poling and Natalie Stone (accepted by her father) and Secretary Bob Huscher. Branch members in the back are, Mary West, Hank Butler, Paul Kimmerling and Florence McCann. 10. BRANCH 185, OGDEN, UTAH Branch 185 Secretary Jim Towery presents a 50-year Continuous Membership Certicate to Shipmate Larry Druce and his wife Arva at their home in Utah. Thank you for your service and continued membership Shipmate Druce.11. BRANCH 101, SANTA CLARA, CALIF.Unit President Karen Webster and Branch President Richard Ruiz celebrate during the 71st Anniversary Luncheon. 12. BRANCH 38, SPOKANE, WASH.Shipmate Richard Casselman is presented his 60-year award by JrPRPNW Peg Burke. Due to recovering from a double knee replacement, Burke took the award to his home in Coeur dAlene, Idaho. Casselman will turn 95 on June 14th.13. BRANCH 244, GRAND JUNCT., COLO.(L to R) branch winners of the Americanism Patriotism essay contest are: First place 12th grade Megan Young, 11th grade Chole Haywood, 10th grade Tristan Campbell and 9th grade Fetcher Lippert. Second place 11th grade Ben Xiang and 11th grade John Perez. 14. BRANCH 287, LIVERMORE, CALIF. During the March meeting, Bob Weil received his 50-year pin and certicate. (L to R) George Mancuso, Robert Weil (Bobs son), Cliff Diller, Bob Weil (50 Yrs), Bill Lindke and Roy Warner. 14 11 10 8 7 3 4
FRATODAY /// July 2018 40 Greetings from North East/New England Unit 226 Staten Island, NY; Unit 156 Pine Tree, ME; Unit 124 Lakehurst, NJ; Unit 42 Quonset/Davisville, RI; Unit 20 Groton, Conn. e past months have been very busy for our Units as many have taken on the challenge of community service to heart. Each Unit has found their own way of providing support and enhancing Community and Military Programs, often with limited members. ey are sending cards and making visits to Veterans in Nursing homes, collecting toys for Toys for Tots, making food baskets for families in need, knitting/crocheting/ sewing baby blankets, sending care packages/ cards to overseas troops, assisting local community programs and of course supporting military and veteran programs in the community such as ceremonies, parades and events. Units that are near or around a military base, provide support to military spouses by giving gift cards in recognition and welcome aboard baskets to newly arrived families. Our members give countless hours each month to support and enhance community programs. ese may seem small but to a veteran in a nursing home with no family, it matters; to a family who struggles to put food on the table, it matters; to a service member overseas, it matters; to a child who may not have a toy during the holidays, it matters; to a veteran or a child at a parade/ceremony, it matters; to that military spouse or AD member far from home, it matters; to the community the unit supports, it matters. Being involved matters to so many people, each in a dierent way. Ladies Auxiliary of the Fleet Reserve Association (FRA) do this and so much more. Our members do these things, not for recognition, but because it matters. ey not only support their community, but they in turn support our Ladies Auxiliary and FRA Shipmates by sending get well cards, providing transportation to appointments and just being there for them. Across the country, April is designated as Volunteer Appreciation Month. I came across a quote from an unknown author which sums up the Ladies Auxiliary of the FRA, No one can do everything, but everyone can do something. If you are reading this and want to be involved where it matters to a wide range of people, we encourage you to visit the Ladies Auxiliary FRA website (www.lafra.org) to nd a Unit near you. Like our members, you may be the one to put a smile on a lonely veteran or on a child during the holidays. Or the smile on a veterans face at a parade as you walk past or place a wreath in remembrance or honor. To the North East/New England Units and Units everywhere I say ank-you for all that you do and will continue to do to support your local community and the military community. A reminder to all: e Northeast/New England Regional Convention will be held 9/05/18-9/07/18 in Egg Harbor Township, N.J. and the 2018 FRA/ LAFRA National Convention 9/23/189/30/18 San Antonio, Texas. For more information contact the Unit/Branch President. FRAIn Loyalty, Protection & Service, Bobbie SeidelBobbie Seidel is the LA FRA Regional President for the Northeast/New EnglandFrom the Regional President Northeast/New England Bobbie Seidel, Northeast/NE RP AUXILIARY OF THE FRA email@example.com (281) 489-9322 Specify Ribbon Colors: Blue & Gold/Red & Gold/White & GoldFRA Branch 159Space City Branch & Unit 2800 E. Broadway Suite C137 Pearland, TX 77581Order Medals for your next Awards Ceremony $19.00 each
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FRATODAY /// July 2018 42 TAPS Names in red indicate 50 year continuous members. Any names in bold indicate past national ofcers. To report the death of a Shipmate, please contact us via email at firstname.lastname@example.org or by telephone at 703-683-1400 ext 1. In MemoriamName Rating BranchAkers, Clayton E. ADCS, USN MAL Aman, Harry E. ETCS, USN 307 Ammon, Richard E. BT1, USN 117 Aromy, Edwin A. HMC, USN 92 Baldoza, Sofronio PO1, USN 127 Baldwin, John Earl DTC, USN 201 Barker, Nelson Lee OS1, USN MAL Bieker, Joseph YNC(SS), USN MAL Blade, George A. YNC, USN 70 Block, Frederick R. ETC(SS), USN 20 Bolin, T L. ASCS, USN MAL Bostdorf, Lionel E. HTC, USN 106 Boyles, Nina K. YNC, USN 112 Bradbury, Joseph E. BMC, USN MAL Breithaupt, Gordon A. ADJ1, USN 91 Broadbent, Jon RMC, USN MAL Brobst, Richard W. PNC, USN 156Brodie, Leroy HMC(SS), USN MAL Bruce, Edwin A. MS1(SS), USN MALBryce, William RMC, USN 60 Bush, William R. HMCS, USN MAL Christoffersen, Robet A. HMC, USN MAL Cupic, Pete USMC 170 Davies, William W. LTJG, USN MAL Davis, Arthur D. HMC, USN MAL Delacruz, Ruben PO1, USN MAL Disalvo, Joseph M. RM3, USN 109 Donth, Albert A. ADCS, USN 70 Dube, Charles A. DT1, USN MAL Duron, Raymond YNC, USN 166 East, David T. ENCS, USN 60 Eberhardy, Armand J. POC, USN 14 Farris, Jack G. ETCM(SS), USN 90 Frank, Richard N. POCS, USN 136 Fuller, Dan PO1, USN 60 Gale, Daniel MMC, USN MAL German, Charles R. MRC, US MAL Gilliland, Gene G. AC1, USN 289 Greene, Robert D. BMC, USN 20 Grimm, Keith O. ENCM, USN MAL Groves, Charles R. SMCM, USN 99 Hanson, Ned L. MSGT, USMC 126 Harmon, William B. SKCS, USN 70 Hawes, C B. ATCS, USN 93 Hazelton, Nathan POC, USN MAL Henry, William RM, USN MAL Hewson, Gordon C. SSGT, USMC 90 Imbrone, Albert F. MSC, USNR 136 Jaramillo, Jesse CPO, USN MAL Jennings, Melvin R. BT1, USN 177 Kelly, James A. TM1, USN MAL Kozakowski, Robert M. MMCS, USN 99 Kroll, Stanley EN1, USN MAL Long, Clyde P. POC, USN MAL Lott, John Patrick CDR, USNR MAL Marschak, Joseph A. ENC(SS), USN 258 Martin, John W. SWC, USN 234 Mathis, Ron G. BM1, USN 89 McKenney, Robert J. AMS1, USN MAL McMurdo, Fred P. GYSGT, USMC 208 Meteraud, William J. SO1, USN MAL Mowrey, Lewis F. CT1, USN 24 Munger, Robert W. SPCM, USN 31 Nagel, Oscar T. ENC, USN 316 Pandes, Basilio V. MSCM, USN 127 Pecher, William R. MMCS, USN MAL Porter, Stanley LT, USN 41 Rainey, Charles E. RM1, USN 1 Reinert, Jane A. YN3, USN 34 Rieger, Norman FTMC, USN MAL Robbins, Norman P. PO1, USN MAL Roddy, Phillip L. HM1, USN 55 Rupp, Jerry L. EMCS(SS), USN MAL Shockley, Theodore E. BUCS, USN 170 Stanley, William W. USN MAL Suchy, William J. MS1, USN MAL Sutton, Andrew CPO, USN MAL Walt, William R. ABEC, USN 24 Warren, James A. GMTCS, USN 280 Watson, George J. AECM, USCG 293 Weeks, Bobby L. PO2, USN MAL Whitlatch, Gordon D. BM1 Ret, USN MAL Wilson, Charles E. SH1, USN 219 Wolfgang, James F. ABH1, USN 146 Wrobel, Vincent P. MSC, USN MALZawieruszynski, Walter M.EMCM, USN 2342
Some discounts, coverages, payment plans and features are not available in all states or all GEICO companies. GEICO is a registered service mark of Government Employees Insurance Company, Washington, D.C. 20076; a Berkshire Hathaway Inc. subsidiary. 2016 GEICO GEICO salutes our Military members. Weve made it our mission to not only provide you and your family with great coverage, but also to offer flexible payment options, numerous discounts, and overseas coverage to suit the demands of your unique lifestyle. We stand ready to serve you. Get a free quote today.Proudly Servingthe Military since 1936.
rfrn tbn n n fbn rn bn rnf rr brbr rb bbr br rtbr rb fb b brbbtbtbrf nttt t r rrbfn tbrn n bn fn rbbn tfn tn tbrn br rbrnbb b bbtbtbntntnnntnbntnbbbrn rbn brn bn brbrrn rnrnr 877-FRA-USAA (372-8722)USAA.COM/FRAVISA rffntbnnfnnnrfrnrrfnnrfnfn nnfrnbnnrffnfrfnnnnrbnnnrfrnf nnfrfrnfnbnnfnnrn nrfnnrnfrbnrfrrfbrfnfnrbbnbrfnrrfrnnrfrnfnbbfn Membership eligibility and product restrictions apply and are subject to change. The Fleet Reserve Association receives nancial support from USAA for this sponsorship. This credit card is issued by USAA Savings Bank, Member FDIC. 2018 USAA. 251449-0618 t loved ones
REUNIONSVRC-50 Association9/5/2018-9/9/2018, Herndon, Va. Contact: Dave Berry 2003 Magnolia Ct., Unit 1 Dover, DE 19901 Telephone: 301-481-1180 Email: email@example.comAviation Boatswains Mates Association (ABMA)08/06/2018-08/10/2018, San Diego, Calif. Contact: Doug Thornton 5765 Jade Moon Circle Milton, FL 32583 Telephone: 619-578-1523 Email: ABMA.SECRETARY@GMAIL.COM www.abma-usn.orgVMFA 115 Reunion Association09/07/2018-09/09/2018, Cleveland, Ohio Contact: Patti Kaas Telephone: 717-422-6796 Email: firstname.lastname@example.org www.115marinereunion.com/USS SAUFLEY (DD-465)09/10/2018-09/14/2018, Branson, Mo. Contact: Richard Bonnett, 1451 RidgeWay, Arnold, MD 21012 Telephone: 301-674-0181 Email: email@example.com Clarion Hotel in Branson, Mo. USS Tidewater (AD-31)09/10/2018-09/14/2018, Branson, Mo. Contact: Dean Agee, 294 Old Hillcrest Rd. Fairgrove, MO 65648 Telephone: 417-759-2860 Email: firstname.lastname@example.org www.usstidewater.orgUSS Sperry (AS-12)09/26/2018-09/29/2018, Mobile, Ala. Contact: Dave Jackson Telephone: 360-435-6919 Email: email@example.com www.usssperryas12.orgUSS Mountrail (APA-213)09/27/2018-09/30/2020, Biloxi, Miss. Contact: Don Dicoio, 17 Frances Road Lincoln Park, NJ 07035 Telephone: 973-725-1974 Email: firstname.lastname@example.org USS Coral Sea (CVA-43)10/03/2018-10/07/2018, Reno, Nev. Contact: John Ranson, 52 Woodland Pl. Ft. Thomas, KY 41075-1605 Telephone: 859-250-3737 Email: email@example.comUSS Voge (DE/FF-1047)10/03/2018-10/07/2018, San Diego, Calif. Contact: Joseph Crump Telephone: 501-259-136 Email: firstname.lastname@example.orgUSS Wiltsie (DD-716)9/16/2018-9/20/2018, Buffalo, N.Y. Contact: Ted Laurila 1101 S. Scheuber Rd., #53 Centralia, WA 98531 Telephone: 360-736-3853 Email: DD716ted@comcast.net Hyatt Regency HotelLOOKING FOR / REUNIONS All Reunions/LookingFor must be submitted in writing to FRA Reunions/LookingFor N. West St. Alexandria, VA 22314 or at email@example.com. Please include your FRA member ID and a daytime phone number. Reunions can also be submitted online at http://www.fra.org. For questions regarding submissions contact Victoria at 1-800-FRA-1924, ext. 124.45 rfrn tbn n n fbn rn bn rnf rr brbr rb bbr br rtbr rb fb b brbbtbtbrf nttt t r rrbfn tbrn n bn fn rbbn tfn tn tbrn br rbrnbb b bbtbtbntntnnntnbntnbbbrn rbn brn bn brbrrn rnrnr 877-FRA-USAA (372-8722)USAA.COM/FRAVISA rffntbnnfnnnrfrnrrfnnrfnfn nnfrnbnnrffnfrfnnnnrbnnnrfrnf nnfrfrnfnbnnfnnrn nrfnnrnfrbnrfrrfbrfnfnrbbnbrfnrrfrnnrfrnfnbbfn Membership eligibility and product restrictions apply and are subject to change. The Fleet Reserve Association receives nancial support from USAA for this sponsorship. This credit card is issued by USAA Savings Bank, Member FDIC. 2018 USAA. 251449-0618 tloved ones FRATODAY /// July 2018
FRATODAY /// July 2018 46 FINANCE MATTERS Is a Will or Trust Right for You?If you have a will, there is a question you should be asking yourself: Do I also need a trust? You might be surprised. A revocable living trust can be a useful estate-planning tool for people at all income levels, not just the very rich, says Lisa Montano, an Estate Planning Strategist for Wells Fargo Advisors. Knowing the basics. It depends on your individual circumstances, but most people should at least consider a revocable living trust, Montano says. You set up the trust and then transfer your property and other assets into it. Most people name themselves as trusteethe person who manages the assets within the trustbut you can also choose someone else or an institution. If you are serving as trustee, youll need to name a successor trustee to distribute your assets at your death. A properly created living trust may be more expensive to set up than a simple will, but it gives you greater control over when and how your assets will be distributed after your death, Montano says. Other benets. Here are three other advantages of trusts: Avoid probate. Probate is the process the court system uses to distribute your assets according to the terms of your will. If you have a trust, you avoid the fees and delays associated with probate. Privacy protection. Because probate is a public process, anyone can go to the courthouse and see the details of your will, Montano says. A living trust will keep the terms of your estate secret. Built-in incapacity planning. If you have a nancial durable power of attorney (POA), you have already named someone to take over your aairs in case you become incapacitated, but Montano says it can be dicult for an agent named under a POA to step in and handle your nancial matters. In contrast, with a revocable living trust, successor trustees seem to have an easier time having their powers recognized by nancial institutions. However, if you have a revocable living trust, it is still advisable to have a POA. A successor trustee has power to manage only trust assets. e importance of a will. If you have a simple estate, dont have a lot of assets, and live in a state that doesnt have a lengthy or complicated probate process, a simple will may be all you need, Montano says, but consult with a qualied estate planning attorney rst. One nal note: If you decide to create a revocable living trust, make sure you discuss with your attorney how to put assets into the trust, otherwise those assets may still be subjected to the probate process. FRA Our rm does not provide tax or legal advice. Trust services available through banking and trust afliates in addition to non-afliated companies of Wells Fargo Advisors. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state. This article was written by/for Wells Fargo Advisors and provided courtesy of Carl M. Trevisan, Managing Director-Investments and Stephen M. Bearce, First Vice PresidentInvestments in Alexandria, VA at 800-247-8602. Investments in securities and insurance products are: NOT FDIC-INSURED/NOT BANK-GUARANTEED/MAY LOSE VALUE Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank afliate of Wells Fargo & Company. 2018 Wells Fargo Clearing Services, LLC. All rights reserved. Carl M. Trevisan, CFP Stephen M. Bearce
SOMETHING WORTH PROTECTING . You helped secure our nations future. Let us do the same for your family.Attention FRA members with MEDICARE & TRICAREIf you need more than what Medicare or TRICARE covers, you may either pay for it yourself or go without. The FRA-endorsed Hospital Income and Short Term Recovery Insurance Plan can help put you in charge, with CASH BENEFITS for Hospital AND At-Home Recovery Care.Youve earned the right to quality health care. Its what you deserve, and it shouldnt fall apart when you leave the hospital. This plan can help you pay for the recovery care you want. Guaranteed acceptance* you cannot be turned down Affordable FRA-negotiated group rates for members Cash bene ts paid directly to you or anyone you choose, in addition to any other coverage Use the money any way you want, no restrictions GET THE FACTS NOW! FACT #1 MEDICARE limits the home health care it will pay for. FACT #2 TRICARE has strict criteria to qualify and does not cover home health aide, homemaker or companion services at all. KNOW YOUR OPTIONS! To request more information, call toll-free: 1-800-424-1120 or go online: www.frainsure.comRequest Number 084059-1-1-1Underwritten by Hartford Life and Accident Insurance Company, Hartford, CT 06155 The Hartford is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company. Plan information includes costs, exclusions, limitations, reduction of bene ts and terms of coverage. Coverage may not be issued in some states. All bene ts are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations and terms under which the policies may be continued in force or discontinued. *This policy is guaranteed acceptance, but it does contain a Pre-Existing Conditions Limitation. Please call or go online for more information on exclusions and limitations, such as Pre-Existing Conditions.Hospital Indemnity Form Series includes SRP-1151, or state equivalent.84059 (7/18) Copyright 2018 Mercer LLC. All rights reserved.Program Administered by Mercer Health & Bene ts Administration LLCAR Insurance License #100102691 CA Insurance License #0G39709 In CA d/b/a Mercer Health & Bene ts Insurance Services LLC FACT #1 FACT #2 WHO PAYS for the costly recovery care services you need at home, after youre discharged from the hospital? Medicare? TRICARE For Life? You? Enroll Online 84059 FRA Short Term Recovery Ad (7/18) Full Size: 8.25" x 10.5" Bleed Size: 8.5" x 10.75" (Full Bleed) Live Area: 7.75" x 10" Colors: 4-color process 84059 FRA STR ad 2018.indd 1 5/24/18 4:02 PM
FRATODAY /// July 2018 48 FRA PROFILE Donna Simms is FRAs Junior Accountant and a Washington D.C. native. She has an infectious laugh that will brighten up anyones day. Her role outside of FRA involves going to church, watching old movies and working on word puzzles/games. One of her favorite movies is the 1997 biography Selena, starring Jennifer Lopez in her breakout role. e lm highlights the rise to fame of the famous Selena Quintanilla-Prez, a recording artist well known in the United States and Mexico. Donna is also an avid fan of seafood. Steamed shrimp and king crab legs, steamed with Old Bay seasoning is the only way to eat seafood. I would rather get together with my friends and family at home than go to a seafood restaurant, says Simms. Now there are many very popular seafood restaurants in the DC area, so it certainly shows what is more important to Donna family and friends. She likes the Blue crabs from the Chesapeake Bay, but they sure take a lot of work. Before coming to the Fleet Reserve Association in May of 2016, Simms worked for several government contractors, providing accounting services to the federal government. Jimmy Short manages the FRA mail room and delivers tubs of incoming mail to Donna for processing. Donna has assumed that part of her job and has eliminated the need for using a lock box at the bank. Now all payments come directly to HQ and get processed and applied to the correct accounts much faster than how we previously handled incoming payments. Donna also makes time to reach out to some of the Shipmates who have questions about pins, certicates and other member benets. Because of her role, she experiences things in the work ow that can be improved. She constantly evaluates and shares suggestions on how FRA can do things better and faster, but not losing the human touch our Shipmates deserve and appreciate. She hopes that at FRA we can continue to increase membership numbers and also the purpose of helping all military personnel. She feels her greatest accomplishment is a being a mother and a good person. Life is about continuous improvement and that is no dierent for Donna as she hopes to build a closer relationship with the Lord. As for the future, she is excited for what it may bring and is hopeful that it will include grandkids and retirement. Donna, we wish you the best in the goals you have set for yourself! FRADonna Simms
Saluting Americas Armed ForcesA TRIBUTE TO AMERICAS SAILORSHonor the American Sailor With This Exclusive Offer Only 500 AvailableOnly 500 Tributes will be issued in this exclusi ve limited edition. Whether you served yourself, or want to honor someone special who did, now is your opportunity to remember the courageous American Sailors who have protected Americas freedom. We will arrange delivery of your working semi-automatic Thompson through the licensed rearms dealer of your choice. If you are not completely satised, you may return your Tribute to us in original, unred condition for a complete and courteous refund. (Not available in CA, CT, or NY).Defending Freedom Forever Americas Sailors have sacriced throughout our nations history protecting freedom, liberty, and justice for all. Generation after generation of men and women have willingly placed country before self to ensure our treasured rights and defend our cherished nation. A legendary military leader once stated, Wars may be fought with weapons, but they are won by men. Now, America Remembers proudly honors Americas Armed Forces in exclusive editions limited to 500 Thompsons per service branch. To honor the service of the American Sailor, America Remembers presents the Tribute to America's Sailors Thompson, issued on a working semi-automatic Thompson submachine gun in caliber .45 ACP. Craftsmen commissioned specically by America Remembers decorate each working Thompson in sparkling 24-karat gold and nickel. Dont miss the opportunity to own a genuine Thompson built in the United States by the gunsmiths of the Auto-Ordnance Corporation, the company founded by Brigadier General John T. Thompson himself. (See AmericaRemembers. com for details on Tributes to other service branches.)The Thompson was used by Navy personnel during World War II, and other military operations throughout U.S. history. It was also relied on extensively by other American branches of the Armed Forces. Together, the Thompson and the Armed Forces made history. The powerful Thompson is a true American icon with decades of distinguished service to the United States and weve chosen this classic American-made rearm for this Tribute, which was born of the same ingenuity and perseverance that makes our country great. Once called, The deadliest weapon pound for pound, ever devised by man the Thompson was the perfect weapon for the United States Armed Forces. The Thompson provided a huge advantage and helped turn the tide of countless reghts. To this day, the Thompson remains one of the most widely recognized and respected rearms in our nations history and throughout the world. The heart of a strong military is in its people. Our country has become the greatest in the world because of the men and women who raise their right hands and swear an oath to protect and defend our freedoms at all costs. These men and women who serve honorably around the world are Americas front line of defense. We must never forget the sacrices they make for our freedom. Dont miss your opportunity to own this shining salute to those who served in the defense of freedom. The right side features an American Sailor in his familiar white uniform. Beside him is the intimidating image of an American destroyer. Also featured is our stylized logo to the spirit of the American Sailor which features a globe of the earth in the center, framed with a sailor cap, anchor, and compass. Surrounding the logo, banners read, Defending Freedom Around the World. Next is the image of a mighty aircraft carrier, which serve as command centers for many operations. Banners on the right side read, American Freedom Tribute and Freedom Is Never Free. Model: Thompson Semi-Automatic Submachine Gun 1927 A-1 Barrel Length: 16 Caliber: .45 ACP I wish to reserve ___ of the Tribute to Americas Sailors, a working Thompson semi-automatic submachine gun, at the current issue price of $2,995*. My deposit of $195 per Tribute is enclosed. I wish to pay the balance at $100 per month, no interest or carrying charges. Certicate of Authenticity included. Thirty-day return privilege. Name Address City/State/Zip Daytime Telephone No. (________)*All orders are subject to acceptance and credit verication prior to shipment. Shipping and handling will be added to each order. Virginia residents please add sales tax. Check enclosed for $ Charge payment of $ to: Visa MasterCard AMEX Discover No. Exp. America Remembers10226 Timber Ridge DriveAshland, Virginia 23005 www.americaremembers.com To place your reservation call toll-free 1-800-682-2291AHL, Inc. The Tribute to Americas Sailors Thompson is issued by Ame rica Remembers, a private organization. Noth ing in the d ecoration the basic firearm (including the informational co ntent therein) is used as a trademark. Neither the United States Navy nor any other co mponent of the Departmen t of Defense has supplied, approved, endorsed, or authorized this product or any portion thereof. The Tribute to Americas Sailors Thompson honors those who patrol and protect America on the worlds vast oceans and open seas. On the left side, youll nd a group of sailors surrounded by an oval rope frame beneath a banner that reads, Saluting Americas Sailors. Most sailors will agree that the camaraderie and cooperation of a ships crew is the key to their strength. A quartet of Korean War-era jet ghters patrolling in formation over the Pacic is featured along with an outline of the USA, framing the words, Freedom Forever. The banner below reads, Country Before Self. These remind us of the daily sacrices made by sailors on behalf of all Americans. (Sailor Tribute shown above. See AmericaRemembers.com for details on Tributes to other service branches.) A TRIBUTE TO AMERICAS SAILORS Honor the American Sailor With This Exclusive Offer Only 500 Available Only 500 Tributes will be issued in this exclusi ve limited edition. Whether you served yourself, or want to honor someone special who did, now is your opportunity to remember the courageous American Sailors who have protected Americas freedom. We will arrange delivery of your working semi-automatic Thompson through the licensed rearms dealer of your choice. If you are not completely satised, you may return your Tribute to us in original, unred condition for a complete and courteous refund. (Not available in CA, CT, or NY). Defending Freedom Forever A mericas Sailors have sacriced throughout our nations history protecting freedom, liberty, and justice for all. Generation after generation of men and women have willingly placed country before self to ensure our treasured rights and defend our cherished nation. A legendary military leader once stated, Wars may be fought with weapons, but they are won by men. N ow, America Remembers proudly honors Americas Armed Forces in exclusive editions limited to 500 Thompsons per service branch. To honor the service of the American Sailor, America Remembers presents the Tribute to America's Sailors Thompson, issued on a working semi-automatic Thompson submachine gun in caliber .45 ACP. Craftsmen commissioned specically by America Remembers decorate each working Thompson in sparkling 24-karat gold and nickel. Dont miss the opportunity to own a genuine Thompson built in the United States by the gunsmiths of the Auto-Ordnance Corporation, the company founded by Brigadier General John T. Thompson himself. (See AmericaRemembers. com for details on Tributes to other service branches.) T he Thompson was used by Navy personnel during World War II, and other military operations throughout U.S. history. It was also relied on extensively by other American branches of the Armed Forces. Together, the Thompson and the Armed Forces made history. The powerful Thompson is a true American icon with decades of distinguished service to the United States and weve chosen this classic American-made rearm for this Tribute, which was born of the same ingenuity and perseverance that makes our country great. O nce called, The deadliest weapon pound for pound, ever devised by man the Thompson was the perfect weapon for the United States Armed Forces. The Thompson provided a huge advantage and helped turn the tide of countless reghts. To this day, the Thompson remains one of the most widely recognized and respected rearms in our nations history and throughout the world. T he heart of a strong military is in its people. Our country has become the greatest in the world because of the men and women who raise their right hands and swear an oath to protect and defend our freedoms at all costs. These men and women who serve honorably around the world are Americas front line of defense. We must never forget the sacrices they make for our freedom. Dont miss your opportunity to own this shining salute to those who served in the defense of freedom. The right side features an American Sailor in his familiar white uniform. Beside him is the intimidating image of an American destroyer. Also featured is our stylized logo to the spirit of the American Sailor which features a globe of the earth in the center, framed with a sailor cap, anchor, and compass. Surrounding the logo, banners read, Defending Freedom Around the World. Next is the image of a mighty aircraft carrier, which serve as command centers for many operations. Banners on the right side read, American Freedom Tribute and Freedom Is Never Free. The right side features an American Sailor in his familiar white uniform. Beside him is the intimidating image of an American destroyer. Also The right side features an American Sailor in his familiar white uniform. Beside him is the intimidating image of an American destroyer. Also Model: Thompson Semi-Automatic Submachine Gun 1927 A-1 Barrel Length: 16 Caliber: .45 ACP AHL, Inc. The Tribute to Americas Sai lor s lor s lor Thompson i s issued by Am e rica Remembers, a private organization. Not h rica Remembers, a private organization. Not h rica Remembers, a private organization. Not ing in the d ec d ec d oration the basic firea rm (including the informational c o ntent therein) is used as a trademark. Neither the U nited States is used as a trademark. Neither the U nited States is used as a trademark. Neither the U Navy nor any other c o mponent of the Departme n t of Defense ha s supplied, approved, endorsed, o r authorized this product or any p o rtion thereof. The Tribute to Americas Sailors Thompson honors those who patrol and protect America on the worlds vast oceans and open seas. On the left side, youll nd a group of sailors surrounded by an oval rope frame beneath a banner that reads, Saluting Americas Sailors. Most sailors will agree that the camaraderie and cooperation of a ships crew is the key to their strength. A quartet of Korean War-era jet ghters patrolling in formation over the Pacic is featured along with an outline of the USA, framing the words, Freedom Forever USA, framing the words, Freedom Forever USA, framing the words, Freedom Forever . The banner below reads, Country Before Self. These remind us of the daily sacrices made by sailors on behalf of all Americans. (Sailor Tribute shown above. See AmericaRemembers.com for details on Tributes to other service branches.) See AmericaRemembers.com for details on Tributes to other service branches.
Postmaster: Send address changes to: Member services FRA 125 N. West Street Alexandria, VA 22314-2754 Our Perfect Sleep Chair is just the chair to do it all. Its a chair, true the finest of lift chairs but this chair is so much more! Its designed to provide total comfort and relaxation not found in other chairs. It cant be beat for comfortable, long-term sitting, TV viewing, relaxed reclining and yes! peaceful sleep. Our chairs recline technology allows you to pause the chair in an infinite number of positions, including the Trendelenburg position and the zero gravity position where your body experiences a minimum of internal and external stresses. Youll love the other benefits, too: It helps with correct spinal alignment, promotes back pressure relief, and encourages better posture to prevent back and muscle pain. And theres more! The overstuffed, oversized biscuit style back and unique seat design will cradle you in comfort. Generously filled, wide armrests provide enhanced arm support when sitting or reclining. The high and low heat settings along with the multiple massage settings, can provide a soothing relaxation you might get at a spa just imagine getting all that in a lift chair! It even has a battery backup in case of a power outage. Shipping charge includes white glove delivery. Professionals will deliver the chair to the exact spot in your home where you want it, unpack it, inspect it, test it, position it, and even carry the packaging away! You get y our choice of fabrics and colors Call now! Sit up, lie down and anywhere in between!To you, its the perfect lift chair. To me, its the best sleep chair Ive ever had. J. Fitzgerald, VAThe Perfect Sleep Chair1-888-802-0594Please mention code 109466 when ordering. This lift chair puts you safely on your feet! Easy-to-use remote for massage, heat, recline and lift II r rf nt 2018 rst STREET for Boomers and Beyond, Inc. 46471