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RETIREE NEWLETTER

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					                              RETIREE NEWSLETTER
                                            TRAVIS AFB
                                                CALIFORNIA

                                               FALL 2008

                                       RETIREE ACTIVITIES OFFICE
                                             COUNSELORS

           CMSGT A. J. ROCHE                                 CPO DAVE PRUDEN
           CMSGT CARL WAGNER                                 MS JOAN WHITE
           SMSGT BILL KIRK                                   SGT DONALD CAHAN
           SMSGT HAROLD PIERRE                               SCPO JERRY MCKENNA


                                    JOSEPH R. ROWAN, MSGT, USAF Ret.
                                       Director, Retiree Activities Office

                                    MRAO Coordinator: Bunny Dominguez

                                    Newsletter Editor: SMSgt Harold Pierre


       THE RETIREE NEWSLETTER IS PUBLISHED BY THE RETIREE ACTIVITIES OFFICE TO INFORM RETIREES,
       ANNUITANTS AND FAMILY MEMBERS RESIDING IN NORTHERN CALIFORNIA OF CHANGES IN LEGISLATION, DOD
       POLICIES AND OTHER MATTERS AFFECTING THEIR MILITARY RIGHTS, BENEFITS AND OBLIGATIONS. THERE IS
       ALSO INFORMATION PERTAINING TO THE AIR BASE. WHILE EVERY EFFORT IS MADE TO VERIFY THE CONTENT,
       THE RAO STAFF CANNOT GUARANTEE THE ACCURACY OF THE INFORMATION FURNISHED BY OUTSIDE ACTIVITIES.



DEPARTMENT OF THE AIR FORCE                                                       BULK RATE
60TH AMW/CVR                                                                 U .S. POSTAGE PAID
540 AIRLIFT DR.                                                                  FAIRFIELD, CA
TRAVIS AFB, CA 94535                                                             PERMIT NO. 68
OFFICIAL BUSINESS
                           DIRECTOR’S MESSAGE


Thanks to all of you who participated in our Retiree Appreciation Day activities in
September. Our program provided valuable information, medical screenings and
other services. Although attendance was not as great as we had hoped, it was well
attended.

I would also like to take this opportunity to wish all of you a joyous and safe
holiday season. Our office will be closed from December 24 through December 27
and December 31 through January 4.

We are still looking for volunteers. We particularly need counselors to man the
office and answer enquiries. Our counselors usually work a three-hour shift per
week. Volunteers are also need at David Grant Medical Center and the Space “A”
Desk in the Base Terminal. If you are interested, give me a call at (707) 424-3905.

Our office is open to all military retirees, their families and annuitants. We are
open five days a week: Mon-Fri, 0900 – 1500 hrs. Our phone number is (707)
424-3904. An answering machine is activated when there is no one in the office.
When leaving a message, please give your name, information requested, and phone
number so that we can return your call.



Joseph M. Rowan, MSgt (Ret), USAF
Director, Retiree Activities Office

RAO Website: http://public.travis.amc.af.mil/units/rao
E-Mail: joseph.rowan@travis.af.mil




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ENHANCED VA MORTGAGE OPTIONS AVAILABLE

Veterans with conventional home loans now have new options for refinancing to a
VA guaranteed home loan. These new options are available as a result of the
Veterans’ Benefits Improvement Act of 2008, which the President signed into law
on October 10, 2008. The changes will allow VA to assist a substantial number of
veterans with subprime mortgages refinance into a safer, more affordable, VA
guaranteed loan.

Veterans who wish to refinance their subprime or conventional mortgage may now
do so for up to 100 percent of the value of the property. These types of loans were
previously limited to 90 percent of the value. Additionally, Congress raised VA’s
maximum loan amount for these types of refinancing loans from the previous cap
of $144,000 up to $729,750, depending on where the property is located.
Increasing the loan-to-value ratio and raising the maximum loan amount will allow
more qualified veterans to refinance through VA, allowing for savings on interest
costs or even potentially avoiding foreclosure.

Originally set to expire at the end of September 2008, VA’s authority to guaranty
Adjustable Rate Mortgages (ARMs) and Hybrid ARMs was also extended under
this new law through September 30, 2012. Unlike conventional ARMs and Hybrid
ARMs, VA limits interest rate increases on these loans from year to year, as well
as over the life of the loans.

For more information, or to obtain help from a VA Loan Specialist, veterans may
call VA at 1-877-827-3702.

GOLDEN CORRAL’S 2008 MILITARY APPRECIATION DINNER

On Monday, November 17, 2008, from 5 to 9 pm, all 485 Golden Corral
restaurants across America will offer any person who has served or is serving in
the United States Military (including National Guard and Reserves) a free “thank
you” dinner buffet and beverage with no identification required. This will be the
eighth annual “thank you” dinner for our nation’s heroes from Golden Corral
restaurants, which has provided over 1,835,000 complimentary meals to military
personnel over the history of the event.

For the second year, Golden Corral’s guests and restaurant teams may send
personal greetings to America’s military personnel on active duty overseas. From
Sept 1 through Nov 17, 2008, special postcards will be available at all Golden

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Corral restaurants for sending messages of thanks and encouragement to the troops
overseas. They will be delivered to our troops prior to the Holidays. In 2007, over
55,000 Military Appreciation postcards were delivered to military troops stationed
overseas.

COLA FOR 2009

The COLA for 2009, effective December 1, 2008, for military retired pay, Social
Security, VA Disability Pay, Dependency Indemnity Compensation and other
federal annuitants will be 5.8%. It compares to an increase of 2.3% in 2008 and
3.3%in 2007, and is the largest COLA since 1982. The COLA is based on the
change in consumer prices from the July – September quarter of each year
compared to the same period the preceding year. Partial COLA will be paid for
2008 retirees depending on when you retired and when you entered service.

CONCURRENT RETIREMENT DISABILITY PAYMENT BACK PAY

NDAA 2008 authorized retirees who were rated by the VA as individually
unemployable (IU) and are receiving VA disability compensation as a result of IU
status, are eligible to receive full concurrent receipt of both their VA compensation
and retired pay beginning October 1, 2008 and retroactive to January 1, 2005.
DFAS will begin paying approximately 40,000 veterans their fully restored retired
pay beginning Nov 3.

DFAS will also begin one-time retroactive payments in November. Cases that are
less complicated, such as straight CRDP and certain blended cases, will be paid
first as these are capable of /being automatically computed. Approximately 20,000
cases fall in this category. Retirees should begin seeing this one-time payment in
November. The more complicated cases, for example garnishments and former
spouse payments, require more in-depth adjudication. DFAS workers will
compute these cases as quickly as possible while ensuring accurate payments. The
goal is to have all retroactive payments completed by March 2009.

NPRC REQUESTS EASIER ONLINE

The National Personnel Records Center (NPRC) in St. Louis makes it easier for
retirees with Internet access to obtain copies of documents, such as their discharge
certificate (DD-214), from their military files. Military veterans and the next of
kin of deceased former military members can use NPRC’s online military
personnel records system to request documents. The web-based application

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eliminates the mailroom processing time. Also, because the requester is asked
online to supply all information essential to process the request, delays that
normally occur when NPRC has to ask for additional information are minimized.
The application can be accessed at http://vetrecs.archives.gov. Users are required
to complete the application online and then download a signature verification
document that must be signed and mailed to NPRC WEB, 9700 Page Avenue, St.
Louis Mo 63132-5100 or faxed to (314) 801-9049 within 30 days. If NPRC does
not receive your signature within 30 days, your request will be deactivated and
removed from its system. A telephone number (314-801-0800) is provided for
follow-up, if necessary. Others with a need for documents must still complete the
Standard Form 180 which can be downloaded from the web at
www.vetrecs.archieves.gov. It is also available at any VA office or base Retiree
Activities Office.

TFL APPOINTMENTS

With Tricare for Life (TFL) you can manage your own health care. There are no
special rules for accessing certain types of care such as urgent, routine, specialty or
preventive care. While you’ll never require referrals for any type of care, some
services may require prior authorization. A prior authorization is a review of the
requested health care service to determine if it is medically necessary at the
requested level of care. You will not require prior authorization from Tricare
unless the covered services have been exhausted under Medicare. If needed
contact your Tricare for Life contractor for more information.

Make your appointment with your Medicare provider. Depending on the type of
care you need, there may be slight differences in how Tricare for Life works.

      *For Medicare and Tricare-covered services, Medicare pays first and TFL
pays your remaining coinsurance for Tricare-covered services.

       *For services covered by Tricare but not Medicare, such as care received
overseas, TFL pays first and Medicare pays nothing. You must pay the Tricare
fiscal year deductible and cost shares.

      *For services covered by Medicare but not Tricare, such as chiropractic
services, Medicare pays first and TFL pays nothing. You must pay the Medicare
deductible and coinsurance.




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     *For services not covered by Medicare or Tricare, such as cosmetic surgery,
Medicare and Tricare pay nothing and you must pay the entire bill.

WOMEN VETERANS NOT FORGOTTEN

Women veterans are entitled to the same VA benefits and medical care as their
male counterparts. These include healthcare, disability compensation, education
assistance, work-study allowance, vocational rehabilitation, employment and
counseling services, insurance, home loan benefits, nursing home care, survivor
benefits and various burial benefits. In addition, VA has a multitude of services
and programs that respond to the unique needs of women veterans, including pap
smears, mammography and general reproductive healthcare, substance abuse
counseling, counseling for sexual trauma, and evaluation for treatment for Post
Traumatic Stress Disorder. More than 200,000 women are on active duty today.
About 11 percent of the U.S. forces currently serving in Afghanistan and Iraq are
women. There is a women veterans program manager at every VA medical center,
a women’s liaison at every community based outpatient clinic and a women
veterans coordinator at every VA regional office.


USEFUL PHONE NUMBERS
   (AREA CODE (707)

Accounting & Finance…………………………….. 424-3925
Casualty Reporting…………………………………424-2106
Commissary…………………………………………437-4004
Customer Service (ID Cards)………….…………...424-8466/68/80
Judge Advocate……………………………………..424-3251
Lodging……………………………………...………424-4779
Retiree Activities Office…………………………….424-3904/05
Security Police……………………………….………424-2227
Space “A”……………………………………………424-5703/04
Ticket Tours…………………………………………424-0970
Vehicle Registration…………………………………424-3770
Veterinary Clinic…………………………………….424-3010/2985

                   60th Medical Group

Information…………………………………………. 423-7300
Appointments……………………………………….. 423-3000
Appointments Toll Free.…………………………… (800) 248-3462
Pharmacy Refills……………………………………. 423-7600
Pharmacy……………………………………………. 423-5345


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Tricare……………………………………………..... (800) 242-6788
Health Benefits……………………………………… 423-7921




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