“Golden years” or “Fools Gold”?

The idea of outliving my money scares the hell out of me. But worse, would be to have a chronic health problem, and being unable to get the help needed to maintain a “quality of life”.

Unless the United States becomes insolvent, a military retiree or a combat veteran will not go without some social or health services. Being eligible to obtain certain benefits or services, however, is not a guarantee of actually receiving aid. If the person seeking benefits does not have an advocate- either a relative or some knowledgeable case worker – the system may never actually connect the need with the claimant. In recent months, a veteran who had been eligible, for decades, for a benefit – and had not received it – was compensated by the Veterans Administration with back pay. This was a significant boost in that veteran’s access to healthcare and standard of living. In another case, a combat veteran, with a heart condition, received lifesaving surgery, and when his deplorable living conditions were investigated, received a stipend and moved to suitable housing.

Recent requests for aid from an elderly family member, not a veteran, living thousands of miles away, highlighted a similar dilemma. Care is available, but several conditions including a debilitating nerve disease, a passive nature, and the anonymity of living in a huge city complicate matters. Yet, with services and people available to render support, a mentally-competent person, elderly civilian or veteran, has to voluntarily accept assistance. In this instance the relative refused it.

As a veteran, a retiree, and having a close network of family, friends, social and civic organizations, I will unlikely face the prospect of outliving aid. For many though, without “connection” and proper planning during a person’s working life, post-retirement “golden years” can be disappointing “fools gold”.

Photo by Monica Silvestre on Pexels.com

a military retiree’s take on universal healthcare

Three types of people want universal healthcare. Military retirees who want what was promised them when they shed – or risked shedding blood for their country. Those who have chronic health conditions and cannot afford medical care. And those who cannot – or do not want to – pay for moderately-expensive but poor coverage insurance; or low premium insurance, with large co-pays and high deductibles; or the high-premium, low-deductible health insurance. With universal health care, residents and businesses that employ those residents, will pay much higher corporate, income and sales taxes to fund it. When working adults are fewer than the number receiving healthcare, there are obvious funding problems. In America, we are already tens of trillions of dollars in debt for past spending. And yet, when we have a crisis, we look to Government to solve it.

Bureaucrats who cannot solve a decades-old traffic snarl at a particular municipal intersection, are not able to fix a calamity that is Government-provided health care in America. Democrats blame Republicans. Socialists blame capitalists. Republicans blame Democrats. Capitalists believe the “market” will solve everything. In the middle? Military retirees, the homeless, indigent, elderly, non-citizens, and particularly, the large population of Baby Boomers. It is particularly vexing in this nation that a number of residents still working in their 70s, may need to continue, to afford living into their 80s and 90s. Others, for whom current healthcare programs should cover, elderly pensioners with chronic health conditions, will exhaust their savings waiting for aid. Many find either their pension barely covers their living expenses or daily medical care – but not both.

As it has been for decades, once the elderly can no longer manage their own care, or overwhelmed family members are unable to care for a chronically-ill relative at home, a nursing home is the available alternative. But at what cost? Affordable care does not necessarily mean poor, but the Government publishes criteria for family members and advocates to evaluate potential nursing facilities for a patient. Even with Government-funded nursing facilities (Federal (VA) and State-run), access (admissions) and then quality of the facility and staff warrant constant oversight. Like the recent scandals with the Veterans Administration hospitals (wait-listed veterans being dropped or errors in mental health evaluations), lapses in care, and bureaucratic mismanagement might well surpass the life expectancy of the patient.

If universal healthcare is eventually adopted in this country, family members and advocacy groups will need to develop political clout, to monitor doctors, clinics, hospitals and nursing facilities continually. And when funding or staffing crises develop, let us hope for more people working on solutions than looking to fix blame.

Ask the Chief

“veteran” is gender-neutral

Some of my closest shipmates, friends, and mentors are female Sailors, officer and enlisted. Many, like me, are no longer on Drilling Reserve nor on Active Duty. Some have retired after long and distinguished military careers. Some have continued to support fellow veterans with active engagement with organizations such as Honor Flight. Some I served with are successful attorneys, realtors, and teachers. Some are corporate executives, software engineers, and human resource managers. Relatives who formerly served in the Marine Corps and others beginning careers serving in submarines.

Many of my peers in the years since the Gulf War served in war zones. Thirty-seven thousand female military served in the Gulf War, where many served in roles that exposed them to Scud attack and IEDs. Five female soldiers were killed in enemy action and two were taken prisoner. Since then, nearly a thousand female military members have been injured (843) or killed by hostile action from the USS COLE bombing in Yemen, to wars in Afghanistan and Iraq. [At the time of this writing, a female Chief Cryptologist, a linguist, was killed along with two other military members and one DOD civilian in a terrorist bombing in a Syrian town.] Women actually have been in combat, have come under fire, been injured and have been killed serving in the US military since the Revolutionary War. History documents that women disguised themselves as men in order to serve since the Revolution, in the Civil War, and until physical exams were instituted in the early 1900s. Nurses were recruited before the First World War.

Beginning in 1979, women graduated from the military academies. In 1994, female midshipmen augmented the male crew of a Spruance-class destroyer, the USS PETERSON, several summers while I was aboard. Since 9/11 I have known females serving year tours in Afghanistan and Iraq, providing intelligence, communications, logistics, and medical support. However, beginning in 1993, women began serving as combat pilots and flying sorties over Iraq. In 2013, Defense Secretary Panetta lifted the ban on women serving in combat roles. The impact of female veterans serving in increasing numbers and in more front-line occupations will increase the need for physical and mental health services, more VA female providers as well as gender-specific services. One statistic indicated that the number of female service members has quadrupled in the forty years since 1973. By the end of the first decade of the new Millennium, female veterans grew to 10 percent of the veteran population.

But the bureaucracy is slow to react. As recently as 2016, veterans seeking care at VA facilities reported being mistaken for caregivers, spouses, or questioned their veteran status. Additionally, in contrast with employer-provided health plans, the VFW survey reports respondents found the VA required co-pays for preventative-care prescriptions including contraceptives.

veterans helping veterans

In a recent program, “Returning the Favor”, Mike Rowe whom many may recognize from “Dirty Jobs” fame, featured a male Iraq War veteran who runs a gym in Austin Texas, and through Make a Vet Sweat helps fellow veterans overcome Post-Traumatic Stress Disorder through exercise. It was in the course of the show, one of the female veterans served discussed her career-ending injury resulting in her own PTSD. Since the Gulf War time, I have known that female servicemembers have been in combat, risking death and injury, from hostile fire, IEDs, and terrorist attacks just as their male servicemembers have. The availability of creative therapies for working through mental health issues helps each sufferer, whether it is animals, exercise, or outreach. And may help many veterans avoid prescription drug addictions.

veteran suicide has no gender

According to statistics compiled by the Veterans Administration, of veterans who attempt suicide, the numbers of female veterans were increasing from 14 per 100,000 in 2001 to 17 per 100,000 population by 2014. This may be due the increasing number of female service members since 2001. Studies report that suicide rate decreased between 2001 and 2014 for female veterans receiving mental health services. While in the overall population, male suicide is three times greater than female, men more often use firearms while females tend to poison or overdose. In a VA fact sheet published in August 2017, female veterans who reported military sexual trauma or harassment were more likely to commit suicide than other female veterans. And overall, female veterans are more likely to commit suicide than civilian women.

marriage and divorce

Compared to civilian women, female veterans were more likely to be married while in the service, and at younger ages than their counterparts. Thirty percent of female military members were likely to be married between ages of 17 and 24, while eight percent of civilian women were. And the same veteran age group was more likely to be divorced compared to civilian women. In 2015, a study found that female veterans of all ages were more likely to be divorced than civilians, but civilians were more likely to have been divorced more than once.

healthcare and homelessness

The VFW has considerable resources and political clout engaged in support of female veterans. They commissioned a survey, from December 2015 to January 2016, with 2000 validated Active Duty, Reservist, retiree and vet respondents, on issues and challenges for women veterans. The survey found that the Veterans Administration needs to hire female healthcare providers to treat female veterans unique concerns. Lacking the personnel, the majority of the female veterans reported they were not given an option to request the gender of their VA healthcare provider.

The survey also sought information on female veteran homelessness. Four percent (72) of the respondents reported being homeless, and of these, 46 percent reported living in another person’s home (‘couch surfing’). Seventy percent of the homeless veterans had children; a third of them reported having children impacted their ability to receive care at a VA facility.

education and employment

Since the end of the Second World War, female veterans, who made up less than 9 percent of all veterans, like their civilian counterparts, who had worked in the defense industries during the war, were less likely than male veterans to use the GI Bill, or did not pursue college education due to social pressure (women in the home instead of the workplace). Studies in 2015 on the educational level and employment of female veterans indicates that they obtain a Bachelors or higher degree later in life than civilian women, are more likely to work in management, professional and technical occupations (49 versus 41 percent), and more work for local, state or federal agencies than their civilian counterparts. Twenty-nine percent of veterans work in sales or office occupations compared to thirty percent of non-veteran women. [statistics from: report, National Center for Veteran Analysis and Statistics, February, 2017, see va.gov/vetdata]

veteran groups

To inform veterans of their benefits, aid them with specific needs affecting them, provide networking for employment and business opportunities, and lobby on their behalf with lawmakers, service-providers, and the public, there are several organizations. One of the largest organizations specifically focused on women veterans is the Women’s Veteran Alliance. This national organization holds regional employment workshops, networking ‘mix and mingles’, conferences, and opportunities for businesses looking to hire veterans. See their link for female veteran “allies” (referrals and local organizations) More information is available on their Facebook page.

Since 1970, the National Veterans Foundation, its founder “Shad” Meshad, a Vietnam veteran, has been meeting the needs of veterans with mental health counseling, with three hundred offices across the country. Staffed by veterans of all periods – Vietnam, Cold War, Iraq and Afghanistan, they provide counseling and referral. All of these are located away from VA hospitals. (The reputation of VA hospitals in the last couple decades particularly among Vietnam veterans has suffered negative exposure, “new management” and political promises to fix internal problems). NVF’s counseling programs particularly with Post Traumatic Stress, according to their information webpage, were called upon after the attack on the World Trade Center in New York after September 11, 2001.

States each have their own Department of Veteran Affairs. In California, CALVET has a resource page for female veterans, from housing assistance, advocacy to employment and health. CALVET also provides resources for groups and agencies to provide support to the veteran.

The Veterans Administration has a directory of female-veteran service organizations here

FB make a vet sweat