Veterans Disability Compensation – How to Prove a Claim For Post PTSD

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Many veterans suffer from a condition known as Post-Traumatic Stress Disorder, or PTSD.

PTSD is a mental health condition, which, according to the American Psychiatric Associations Diagnostics and Statistical Manual for Mental Disorders, Fourth Edition (DSM-IV) is: “[T]he development of characteristic symptoms following exposure to an extreme traumatic stressor involving direct personal experience of an event that involves actual or threatened death or serious injury or other threat to one’s physical integrity…[the response to which is] intense fear, helplessness, or horror.”

This medical condition often does not appear for weeks, months or years. Whenever a Veteran is diagnosed with PTSD, however,service-connected PTSD surfaces, it is a compensable condition and the veteran is entitled to disability benefits.

Military Veterans often find it difficult to prove to the VA that the PTSD is service connected. I hope that by outlining the general requirements for proving a claim for PTSD to the VA, more veterans are able to secure compensation for what can be a horribly debilitating disease. eBenefits.Va.Gov

There are three (3) factors that a veteran must show to secure disability compensation for PTSD:

1) Obviously, the veteran must be diagnosed with PTSD. So, the first requirement is that the Veteran provide medical evidence of this diagnosis. The VA often misdiagnoses PTSD; if you feel that a VA doctor has misdiagnosed you, you can always seek evaluation by a private psychiatrist or psychologist.

2) Next, the veteran must proved that the trigger, or stressor, for the PTSD, occurred in service. This is called the “in-service stressor”, and there are two very different sets of rules applicable to those Veterans that experience a Combat Stressor, or those veterans that experience a non-combat stressor. The evidence needs to be credible – something or someone to corroborate the in-service stressor is always helpful, but corroboration is not the only thing that makes a particular version of events credible. eBenefits.Va.Gov

3) Lastly, you will need to prove the connection, or linkage, between the diagnosed PTSD and the “in-service stressor”. This is often the hardest element of the three to prove. Usually, evidence from a lay or medical expert who opines that the in-service stressor was a “contributing factor” to the symptoms of the PTSD should be enough to secure service-connection for the PTSD connection.

If you are a US Veteran heading out to Iraq or Afghanistan, you should anticipate a strong likelihood that you will return from your service with PTSD. I strongly recommend that before heading overseas, you have an independent psychologist or psychiatrist do a “baseline test” for PTSD. Do not provide this test to the military, and do not use a military doctor. Save the report at home with your important papers, and when you return, if you are diagnosed with PTSD, you should be able to prove, convincingly, that the P.T.S.D was caused by military service.

If you are a U.S. Veteran and have questions about your service-connected disability benefits or VA claims, contact an experienced Veterans Disability Benefits attorney.

Jobs For Veterans – Our Top 3 List

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In this article, we’re going to list the top 3 jobs for veterans — because getting a job once you’re out of the military doesn’t have to be hard. In this article we’ll look at our top 3 jobs for ex-military members.

1. Security / Police Force

Getting a job as a police or body guard should be easy because of your military credentials. For police force, you usually have to attend police academy and then you’ll graduate into the police force, much like in the military.

For a less intense job, you can become a security guard. No, you don’t have to patrol the malls. There are plenty of industrial warehouses, high end condos, and VIP clubs that require some hired guards who are ex-military. You could always work your way up to become a body guard.

2. Truck driving

One of the highest paid job but it’s rather demanding because you’re traveling across the country and on the road most of the day. However if you’re a veteran, driving on the road should be a breeze. To become a truck driver, you have to enroll in truck driving school and pass a standard test in order to get your truck license.

The job is relatively easy and the pay is good. We know a ex-military guy who drives a truck and all he did for 2 years was drive around and play poker at various casinos across the country. Not bad for a gig huh? eBenefits.Va.Gov

3. Making money online

With the Internet, most people can make a full time living from their own home. This includes promoting other people stuff (affiliate marketing), or buying things for cheap from China and selling it back on eBay (e-commerce) to working at home as a customer representative for major corporations.

To be honest, making $2400 a month on the Internet during your spare time isn’t hard — if you know where to look. I’ll show you how, step by step…. click on http://kennubo.com/internetincome/ for my Internet Income Guide — yours at no charge. No catch here, it’s just my way of generating good karma.

eBenefits.Va.Gov

How Veterans Administration Loans (VA Loans) Work

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The United States Department of Veterans Affairs provides a loan guarantee service to honorably discharged veterans of the United States military. Essentially, any serviceman or their surviving spouse is eligible for 100% financing without a down payment or mortgage insurance or 90% refinancing on an existing home.

How exactly does a VA loan work?

The VA loan isn’t issued by Veterans Affairs. Instead, the loans are issued by private lenders like banks and mortgage companies, but insured by VA. This means that if you default on your loan, Veterans Affairs will guarantee or secure it. This often translates to lower down payment requirements and eligible interest rates.

What else does the VA loan program do?

The Veterans Affairs loan program also provides pre-purchase counseling. VA officers will sit down with you and your families and go through the process of purchasing and owning a home, obtaining financing and basically understanding the home ownership process.

Does entitlement to a VA loan guarantee a mortgage? eBenefits.Va.Gov

Unfortunately, no it doesn’t. Veterans Affairs can’t force a lender to issue you a home loan, but it can help to make you a more attractive recipient. You still must meet basic credit and income requirements. But if a lender is concerned, for example, about a veteran’s poor credit history, the loan can still be denied or offered at a higher interest rate.

How much are veterans entitled to under the VA loans program?

The bare-bones, basic entitlement is $36,000, but this varies depending on region, median home prices and the amount required. While the amount changes yearly, the limit for the continental U.S. in 2008 was $417,000. Consequently, a qualified veteran could obtain a no down-payment mortgage for an amount up to $417,000.

What do I need to get a VA loan?

You need a Certificate of Eligibility. You can get one either from your lender or the Department of Veterans Affairs. Most recent veterans’ information is stored in an online database known as ACE (Automated Certificate of Eligibility), so lenders can access this database to find out if a borrower has a certificate. eBenefits.Va.Gov

How do I get a VA loan?

First you need to select a home and sign a purchase contract that’s dependent on you receiving a VA home loan. Next, you should choose a lender and complete a loan application with your Certificate of Eligibility. The lender will then contact Veterans Affairs to assign an appraiser to determine the market value of the home. eBenefits.Va.Gov

Once a Certificate of Reasonable Value has been issued on the home, your lender will let you know that you’ve been approved for your loan. At that time, you’ll attend the closing where the lender or its attorney will explain the terms of the loan to you, and you will sign the loan agreement.

After the signing, the loan is sent to Veterans Affairs for guaranty, at which point your Certificate of Entitlement is annotated and sent back to you. Finally, once all appropriate approval has taken place & paperwork is signed, you move in.

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Veterans Home Loans Benefits for Veterans and Their Surviving Spouses

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It is every person’s dream to build a home of his own. However, it is a hard fact that traditional lenders are placing a high premium on their interest rates if you acquire funding assistance from them. The good news is that veterans of war, their surviving spouses and those who have been a part of the military service can avail of the Veterans Affairs home loans. This is a very good program offered by the federal government and you can use it to refinance your existing amortization, avail of a new home loan or to upgrade your home to make it energy efficient. Below are the benefits that you can acquire with this VA loan program. eBenefits.Va.Gov

Fast and Easy Application Process

This is considered as one of the most advantageous aspects of the Veterans Administration home loan. You will just need to show proof that you are eligible to avail of the VA loan and you will be accommodated immediately. In addition, if you are a veteran or a member of the military service, obtaining the eligibility document is immediate and you can do this online. If you are a national guard, a reserve or a surviving spouse, you will need to request for it, but the process is undeniably simple as well. Make sure to accurately fill out the form so that the lenders and the Veteran Affairs can easily offer you with the most suitable home loan policies. eBenefits.Va.Gov

Cost-Efficient Home Loan Offers

You can definitely get great value for your money when you avail of the VA home loan. Apart from the fast and easy VA home loan process, there are certain aspects which allow you to save a low on your mortgages. For one, there are zero down payments when you purchase a property. In addition, you will be excluded from prime mortgage insurance payments. The closing prices as well as the origination prices will be regulated by the federal government so you can acquire lesser price for your overall purchase. You can also refinance your mortgages and acquired reduced interest rates. You can also borrow up to 103.15% of the property value for new properties and up to 90% of funding for home improvements. Unlike conventional lending, you won’t be obliged to pay for early payment of your amortization. eBenefits.Va.Gov

Expert Assistance

VA also offers expert and relevant assistance for your V.A loans for home. An inspector will ensure that the property that you plan on purchasing is a good one. You are also allowed to sell your property to a veteran who will assume the mortgage. Overall, you will be guaranteed by the federal government for your home loan so that it will be easier for you to approach lenders without being required to submit bulks of documents which is usually needed in conventional lending procedures.

Virendra Smith is expert financial adviser rendering us VA home loan process guidelines for veteran and their surviving spouse in USA.