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	<title>Coast Guard Family Organization</title>
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	<link>http://www.coastguardfamily.org/newsletter</link>
	<description>Newsletter</description>
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		<title>Our newsletter format has changed.</title>
		<link>http://www.coastguardfamily.org/newsletter/?p=61</link>
		<comments>http://www.coastguardfamily.org/newsletter/?p=61#comments</comments>
		<pubDate>Sun, 29 Aug 2010 03:07:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[If you are interested in reading our newsletter, please visit: www.CoastGuardFamily.org for more information or email us to request a copy of the quarterly newsletter by sending your contact information to admin(at)coastguardfamily(dot)com
]]></description>
			<content:encoded><![CDATA[<p>If you are interested in reading our newsletter, please visit: <a href="http://www.CoastGuardFamily.org">www.CoastGuardFamily.org</a> for more information or email us to request a copy of the quarterly newsletter by sending your contact information to admin(at)coastguardfamily(dot)com</p>
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		</item>
		<item>
		<title>The Military Family: Living High and Tight</title>
		<link>http://www.coastguardfamily.org/newsletter/?p=53</link>
		<comments>http://www.coastguardfamily.org/newsletter/?p=53#comments</comments>
		<pubDate>Fri, 03 Apr 2009 01:52:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[faith]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[military]]></category>

		<guid isPermaLink="false">http://www.coastguardfamily.org/newsletter/?p=53</guid>
		<description><![CDATA[


Charleston, SC &#8211; New military family group for fun, growth and a place where you will be understood! A Coast Guard couple has dreamt up this inspirational, Christ-centered group. The goal of the group&#8217;s founders is to minister to people, especially to those who are sacrificing for others. 
The group sessions will be recurring. Each class [...]]]></description>
			<content:encoded><![CDATA[<div></div>
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<p><span style="font-size: 14pt; line-height: 115%;"><span style="font-family: Calibri;"></p>
<p class="MsoNormal" style="margin: 0in 0in 10pt;"><span style="font-size: 14pt; line-height: 115%; font-family: &quot;Georgia&quot;,&quot;serif&quot;;"><strong>Charleston, SC</strong> &#8211; New military family group for fun, growth and a place where you will be understood! A Coast Guard couple has dreamt up this inspirational, Christ-centered group. The goal of the group&#8217;s founders is to minister to people, especially to those who are sacrificing for others. </span></p>
<p class="MsoNormal" style="margin: 0in 0in 10pt;"><span style="font-size: 14pt; line-height: 115%; font-family: &quot;Georgia&quot;,&quot;serif&quot;;">The group sessions will be recurring. Each class session runs for six (6) weeks, give or take. All are welcome. No one is turned away. </span></p>
<p class="MsoNormal" style="margin: 0in 0in 10pt;"><span style="font-size: 14pt; line-height: 115%; font-family: &quot;Georgia&quot;,&quot;serif&quot;;"><span style="text-decoration: underline;">The group will hold it&#8217;s first meeting on April 16, 2009, at 7pm at Faith Assembly of God on 337 Farmington Rd, Summerville, SC 29483.</span> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 10pt;"><span style="font-size: 14pt; line-height: 115%; font-family: &quot;Georgia&quot;,&quot;serif&quot;;">Come as you are, free childcare will always be provided for all ages. This first meeting we will be having food and fellowship so participants can get to know each other. After that, the group plans on doing a military marriage study, along with some good laughter and a few other surprises. </span></p>
<p class="MsoNormal" style="margin: 0in 0in 10pt;"><span style="font-size: 14pt; line-height: 115%; font-family: &quot;Georgia&quot;,&quot;serif&quot;;">This giving Coast Guard couple is working on a focus of the group which we will be filled with services and people that will provide for the basic needs that spouses always have like emergency childcare, someone who can help with necessary yard work, that oil change you forgot to take care of, etc. </span></p>
<p class="MsoNormal" style="margin: 0in 0in 10pt;"><span style="font-size: 14pt; line-height: 115%;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 10pt;"> </p>
<p> </p>
<p> </p>
<p></span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 10pt;"> </p>
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		<slash:comments>11</slash:comments>
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		<item>
		<title>HEART ACT &#8211; Applies to Reservists</title>
		<link>http://www.coastguardfamily.org/newsletter/?p=51</link>
		<comments>http://www.coastguardfamily.org/newsletter/?p=51#comments</comments>
		<pubDate>Mon, 12 Jan 2009 16:03:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[medical]]></category>
		<category><![CDATA[reservists]]></category>

		<guid isPermaLink="false">http://www.coastguardfamily.org/newsletter/?p=51</guid>
		<description><![CDATA[FSAFEDS: Heroes Earnings Assistance and Relief Tax Act 
(HEART Act)
December 24, 2008
Effective January 1, 2009, certain reservists who are enrolled in a health-care flexible spending account (FSA) will have an opportunity to apply for a taxable refund of their unused health-care FSA account balance. This is also known as qualified reservist distribution (QRD). 
To be [...]]]></description>
			<content:encoded><![CDATA[<p dir="ltr" align="center"><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong><span style="font-size: medium; color: #000000; font-family: Arial;">FSAFEDS: Heroes Earnings Assistance and Relief Tax Act</span></strong></span><span lang="en-us"> </span></p>
<p dir="ltr" align="center"><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong><span style="font-size: medium; color: #000000; font-family: Arial;">(HEART Act)</span></strong></span></p>
<p dir="ltr" align="center"><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong><span style="font-size: medium; color: #000000; font-family: Arial;"><span id="lw_1231775525_0" class="yshortcuts" style="background: none transparent scroll repeat 0% 0%; cursor: hand; border-bottom: medium none;">December 24</span>, 2008</span></strong></span></p>
<p dir="ltr"><span lang="en-us"><span style="font-family: Arial;">Effective January 1, 2009, certain reservists who are enrolled in a health-care flexible spending account (FSA) will have an opportunity to apply for a</span></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong> <span style="color: #ff0000; font-family: Arial;">taxable</span></strong></span><span lang="en-us"><span style="font-family: Arial;"> refund of their unused health-care FSA account balance. This is also known as qualified reservist distribution (QRD).</span></span><span lang="en-us"> </span></p>
<p dir="ltr"><span lang="en-us"><span style="font-family: Arial;">To be eligible for this refund, you</span></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong> <span style="font-family: Arial;">must meet all of the following criteria:</span></strong></span></p>
<ul dir="ltr">
<li> 
<ul dir="ltr">
<div dir="ltr">
<li><span lang="en-us"><span style="font-family: Arial;">Be enrolled in an FSAFEDS health-care flexible spending account,</span></span><span lang="en-us"><span style="font-family: Times New Roman;"> </span></span></li>
</div>
<div dir="ltr">
<li><span lang="en-us"><span style="font-family: Arial;">Be a</span></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong> <span style="color: #ff0000; font-family: Arial;">member</span></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"> <span style="font-family: Arial;">of the Army National Guard, Air National Guard, Army Reserve, <span id="lw_1231775525_1" class="yshortcuts" style="cursor: hand; border-bottom: #0066cc 1px dashed;">Navy Reserve</span>, Marine Corps Reserve, Air Force Reserve, <span id="lw_1231775525_2" class="yshortcuts"><strong>Coast Guard Reserve</strong></span> or Reserve Corps of the Public Health Service, and</span></span><span lang="en-us"> </span></li>
</div>
<div dir="ltr">
<li><span lang="en-us"><span style="font-family: Arial;">Called to</span></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong> <span style="color: #ff0000; font-family: Arial;"><span id="lw_1231775525_3" class="yshortcuts" style="cursor: hand; border-bottom: #0066cc 1px dashed;">active duty</span> for a period of 180 days or more, or for an indefinite period of time</span></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong><span style="font-family: Arial;">.</span></strong></span><span lang="en-us"><span style="font-family: Times New Roman;"> </span></span></li>
</div>
</ul>
</li>
</ul>
<p dir="ltr"><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong><span style="text-decoration: underline;"><span style="font-family: Arial;">Listed below are further facts about the QRD refund</span></span></strong></span><span lang="en-us"><span style="font-family: Arial;">:</span></span></p>
<ul dir="ltr">
<li> 
<ol dir="ltr" type="1">
<div dir="ltr">
<li><span lang="en-us"><span style="font-family: Arial;">A QRD refunds the balance of FSAFEDS allotments in the requestor&#8217;s health-care FSA</span></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong> <span style="font-family: Arial;">as of the</span></strong></span><span lang="en-us"><span style="font-family: Arial;"> date of the request.</span></span><span lang="en-us"><span style="font-family: Times New Roman;"> </span></span></li>
</div>
<div dir="ltr">
<li><span lang="en-us"><span style="font-family: Arial;">The return of funds is</span></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong> <span style="font-family: Arial;"><span id="lw_1231775525_4" class="yshortcuts">taxable income</span></span></strong></span><span lang="en-us"><span style="font-family: Arial;"> in the year in which</span></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong> <span style="font-family: Arial;">it is received</span></strong></span><span lang="en-us"><span style="font-family: Arial;">.</span></span><span lang="en-us"><span style="font-family: Times New Roman;"> </span></span></li>
</div>
<div dir="ltr">
<li><span lang="en-us"><span style="font-family: Arial;">Receipt of a QRD</span></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong> <span style="font-family: Arial;">closes</span></strong></span><span lang="en-us"><span style="font-family: Arial;"> the FSAFEDS health-care account for that benefit period.</span></span><span lang="en-us"><span style="font-family: Times New Roman;"> </span></span></li>
</div>
<div dir="ltr">
<li><span lang="en-us"><span style="font-family: Arial;">When a QRD is received no additional claims can be made against your health-care FSA for that benefit period.</span></span><span lang="en-us"><span style="font-family: Times New Roman;"> </span></span></li>
</div>
</ol>
</li>
</ul>
<p dir="ltr"><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong><span style="text-decoration: underline;"><span style="font-family: Arial;">Time Limit to Request a QRD:</span></span></strong></span></p>
<ul dir="ltr">
<li> 
<ol dir="ltr" type="1">
<div dir="ltr">
<li><span lang="en-us"><span style="font-family: Arial;">A valid QRD can be requested during the period beginning with the date of the order or call to active duty and ending on the last day of the <span id="lw_1231775525_5" class="yshortcuts" style="cursor: hand; border-bottom: #0066cc 1px dashed;">grace period</span> for the FSAFEDS benefit period during which the order or call to active duty occurs.</span></span><span lang="en-us"> </span></li>
</div>
<div dir="ltr">
<li><span lang="en-us"><span style="font-family: Arial;">QRD requests</span></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong> <span style="font-family: Arial;">will not be accepted before</span></strong></span><span lang="en-us"></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong> <span style="color: #ff0000; font-family: Arial;">January 1, 2009</span></strong></span><span lang="en-us"><span style="font-family: Arial;">, although the order or call to active duty can date back to June 18, 2008 (and possibly, before if the period of active duty continues after June 18, 2008).</span></span><span lang="en-us"> </span></li>
</div>
</ol>
</li>
</ul>
<p dir="ltr"><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong><span style="text-decoration: underline;"><span style="font-family: Arial;">How to Request a QRD:</span></span></strong></span></p>
<ul dir="ltr">
<li> 
<ol dir="ltr" type="1">
<div dir="ltr">
<li><span lang="en-us"><span style="font-family: Arial;">Call FSAFEDS toll free at <span id="lw_1231775525_6" class="yshortcuts" style="cursor: hand; border-bottom: #0066cc 1px dashed;">1-877-372-3337</span> Monday through Friday from 9 a.m. to 9 p.m., EST, during the time period permitted for the request.</span></span><span lang="en-us"><span style="font-family: Times New Roman;"> </span></span></li>
</div>
<div dir="ltr">
<li><span lang="en-us"><span style="font-family: Arial;">Submit a copy of your orders or call to active duty to FSAFEDS.</span></span><span lang="en-us"><span style="font-family: Times New Roman;"> </span></span></li>
</div>
</ol>
</li>
</ul>
<p dir="ltr"><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong><span style="font-family: Arial;">Further detailed information and FAQs about QRDs will soon be available on the FSA Web site at</span></strong></span><span lang="en-us"> </span><a rel="nofollow" href="http://www.fsafeds.com/" target="_blank"><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong><span style="text-decoration: underline;"><span style="color: #0000ff; font-family: Arial;">www.fsafeds. com</span></span></strong></span></a><span lang="en-us"><strong></strong></span><span lang="en-us"><strong></strong></span><span lang="en-us"><strong><span style="font-family: Arial;">.</span></strong></span><span lang="en-us"> </span></p>
]]></content:encoded>
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		<item>
		<title>Military Education &#8211; Top Schools Supporting the Military</title>
		<link>http://www.coastguardfamily.org/newsletter/?p=49</link>
		<comments>http://www.coastguardfamily.org/newsletter/?p=49#comments</comments>
		<pubDate>Fri, 02 Jan 2009 13:35:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[education]]></category>

		<guid isPermaLink="false">http://www.coastguardfamily.org/newsletter/?p=49</guid>
		<description><![CDATA[Military Advanced Education (MAE), a KMI Media Group publication, provided a list of the top 20 military–friendly schools. 
 
For the entire article/list CLICK HERE.
]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Arial;">Military Advanced Education (MAE), a KMI Media Group publication, provided a list of the top 20 military–friendly schools. </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Arial;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Arial;">For the entire article/list <span style="text-decoration: underline;"><a href="http://d1586.u21.iamtechassist.com/files/MAE_3-6_TopSchools.pdf">CLICK HERE</a></span>.</span></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>CGFO Spouse Scholarship</title>
		<link>http://www.coastguardfamily.org/newsletter/?p=47</link>
		<comments>http://www.coastguardfamily.org/newsletter/?p=47#comments</comments>
		<pubDate>Sun, 07 Dec 2008 02:53:37 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.coastguardfamily.org/newsletter/?p=47</guid>
		<description><![CDATA[Information for application for the Coast Guard Family Organization’s spouse scholarship will be posted on December 20, 2008. Please be sure to check back!
 
Scholarship
 
 
 

Please note that this scholarship is funded by private donations and is not supported nor endorsed officially by the USCG, DHS or any other federal or state agency.
 
 

 
]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Arial;">Information for application for the Coast Guard Family Organization’s spouse scholarship will be posted on December 20, 2008. Please be sure to check back!</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Arial;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center;"><span style="font-size: 14pt; font-family: Arial;"><a href="http://www.coastguardfamily.org/Scholarship.htm">Scholarship</a></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center;"> </p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center;"> </p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center;"> </p>
<p><span style="font-size: 14pt; font-family: Arial;"></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 11pt; color: black; font-family: Arial;"><em>Please note that this scholarship is funded by private donations and is not supported nor endorsed officially by the USCG, DHS or any other federal or state agency.</em></span><span style="font-size: 11pt; color: black;"></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Arial;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center;"> </p>
<p></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center;"> </p>
]]></content:encoded>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Nominate a CG Family in need for Holiday Care Package</title>
		<link>http://www.coastguardfamily.org/newsletter/?p=45</link>
		<comments>http://www.coastguardfamily.org/newsletter/?p=45#comments</comments>
		<pubDate>Sat, 29 Nov 2008 19:39:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.coastguardfamily.org/newsletter/?p=45</guid>
		<description><![CDATA[CGFO is looking for nominations for a CG family in need this holiday season. All nominations will be considered and then voted on by the Board at CGFO to determine which family shall be the recipient of a holiday care package.
Nominations are being accepted November 30th through midnight on December 13, 2008. 
The CG member of [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; color: black; font-family: Arial;">CGFO is looking for nominations for a CG family in need this holiday season. All nominations will be considered and then voted on by the Board at CGFO to determine which family shall be the recipient of a holiday care package.</span></p>
<p><span style="font-size: 14pt; color: black; font-family: Arial;"><span style="font-size: 14pt; color: black; font-family: Arial;">Nominations are being accepted November 30<sup>th</sup> through midnight on December 13, 2008.</span></span><span style="font-size: 14pt; color: black; font-family: Arial;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; color: black; font-family: Arial;">The CG member of the family must be an active or reserve (currently activated) CG member. </span><span style="font-size: 14pt; font-family: Arial;">Please provide your nomination essay in 1,000 words or less explaining why you think this family is most deserving. </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Arial;">Additionally, please provide the following:</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Arial;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Arial;">-Your name and contact information and your relationship to the family.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Arial;">-The name and rank of the USCG member and location of service (if known).</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Arial;">-The address of the family nominated (<em>as always</em> <em>privacy will be respected of course and no third party shall ever receive said information</em>).</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Arial;">-And any additional information you deem important.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Arial;"></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Arial;">Email your submissions to <a href="mailto:admin@coastguardfamily.org">admin@coastguardfamily.org</a>. </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Arial;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Arial;">Thank you.</span></p>
]]></content:encoded>
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		</item>
		<item>
		<title>Cape Cod Community College Signs Memorandum with USCG</title>
		<link>http://www.coastguardfamily.org/newsletter/?p=40</link>
		<comments>http://www.coastguardfamily.org/newsletter/?p=40#comments</comments>
		<pubDate>Sat, 29 Nov 2008 19:28:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.coastguardfamily.org/newsletter/?p=40</guid>
		<description><![CDATA[From CapeNews.net (Nov 28, 2008), &#8220;Captain Dan Abel, commanding officer of Coast Guard Air Station Cape Cod, and Kathleen Schatzberg, president of Cape Cod Community College, signed a memorandum on November 20 to formalize an agreement that makes it easier for military members and their families to earn college degrees&#8230; Capt. Abel added that this [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; color: #000000; font-family: Arial;">From CapeNews.net (Nov 28, 2008), &#8220;Captain Dan Abel, commanding officer of Coast Guard Air Station Cape Cod, and Kathleen Schatzberg, president of Cape Cod Community College, signed a memorandum on November <span style="color: #000000;">20 to formalize an agreement that makes it easier for military members and their families to earn college degrees&#8230;</span></span><span style="color: #000000;"><span style="font-size: 14pt; font-family: Arial; mso-ansi-language: EN;"> <span lang="EN">Capt. Abel added that this memorandum demonstrates the level of commitment the Coast Guard has toward helping military members earn college degrees, and said he hopes it will open up more opportunities for more people.</span></span><span style="font-size: 9.5pt; font-family: Arial; mso-ansi-language: EN;"> </span><span style="font-size: 14pt; font-family: Arial;">&#8221; </span></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; color: #000000; font-family: Arial;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; color: #000000; font-family: Arial;">To read the article in its entirety, visit: <a href="http://capecodnow.net/artman/publish/region/Coast-Guard-And-College-Sign-Memorandum-On-Degree-Programs.shtml">CapeNews.net</a></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 16pt; font-family: Arial;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Arial;"><em>If you have more information on universities, colleges, and other educational institutions working with the USCG in some fashion, please share it with us as your information may help other CG members and their families. Email us at <a href="mailto:admin@coastguardfamily.org">admin@coastguardfamily.org</a><br />
</em></span></p>
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		<title>Military Avenue</title>
		<link>http://www.coastguardfamily.org/newsletter/?p=35</link>
		<comments>http://www.coastguardfamily.org/newsletter/?p=35#comments</comments>
		<pubDate>Sat, 25 Oct 2008 02:23:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[military websites]]></category>

		<guid isPermaLink="false">http://www.coastguardfamily.org/newsletter/?p=35</guid>
		<description><![CDATA[There are so many invaluable tools and resources that exist for military families. However, many people do not begin to know where to look for them. We will occasionally feature a resource/book/website in our newsletter in hopes of providing you with a solid foundation of programs and organizations that will/can benefit you and your family.
Military [...]]]></description>
			<content:encoded><![CDATA[<p><span style="font-size: 14pt; color: black; font-family: Verdana;">There are so many invaluable tools and resources that exist for military families. However, many people do not begin to know where to look for them. We will occasionally feature a resource/book/website in our newsletter in hopes of providing you with a solid foundation of programs and organizations that will/can benefit you and your family.</span></p>
<p><span style="font-size: 14pt; color: black; font-family: Verdana;"><a href="http://www.militaryavenue.com/">Military Avenue </a>is one such organization. In fact, they have some sections broken down for the various military branches. Their website explains that, &#8220;<em><span style="font-family: Verdana;"><a href="http://www.militaryavenue.com/"><strong><span style="font-family: Verdana;">At MilitaryAvenue.com</span></strong>, we know from personal experience that military moves, military travel, and frequent change is a part of our culture. Finding military-friendly businesses in new communities and resources that aid our mobile lifestyle can become an overwhelming task. MilitaryAvenue exists to attempt to ease these burdens</a>!&#8221;</span></em></span></p>
<p><span style="font-size: 14pt; color: black; font-family: Verdana;">The Coast Guard is listed and you can access it via this link: <a href="http://www.militaryavenue.com/CoastGuard/4/InstallationSelect.aspx">http://www.militaryavenue.com/CoastGuard/4/InstallationSelect.aspx</a> (If it doesn&#8217;t work, copy and paste the address into your browser&#8217;s address bar.)</span></p>
<p><span style="font-size: 14pt; color: black; font-family: Verdana;">Military Avenue recently launched a new aspect on their website wherein people can ask and answer questions. It&#8217;s called <a href="http://www.militaryavenue.com/Answers/Default.aspx">Military Avenue Answers</a>.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt;"><span style="font-family: Times New Roman;"> </span></span></p>
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		<title>Does TRICARE cover marriage counseling?</title>
		<link>http://www.coastguardfamily.org/newsletter/?p=29</link>
		<comments>http://www.coastguardfamily.org/newsletter/?p=29#comments</comments>
		<pubDate>Sat, 18 Oct 2008 23:19:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[medical]]></category>

		<guid isPermaLink="false">http://www.coastguardfamily.org/newsletter/?p=29</guid>
		<description><![CDATA[TRICARE’s website has some terrific information available to participants on it. One question that seems to come up time and again for spouses is whether or not marital counseling is covered.
 
Family therapy is covered (just not under the title &#8220;marriage counseling&#8221;). However, marital counseling appears to be in a slightly different category (behavioral health). TRICARE explains [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Verdana; mso-bidi-font-family: Arial;">TRICARE’s website has some terrific information available to participants on it. One question that seems to come up time and again for spouses is whether or not marital counseling is covered.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Verdana; mso-bidi-font-family: Arial;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Verdana; mso-bidi-font-family: Arial;">Family therapy is covered (just not under the title &#8220;marriage counseling&#8221;). However, marital counseling appears to be in a slightly different category (behavioral health). TRICARE explains that marital counseling is only covered at such time that it is medically necessary to treat another diagnosis—one that is a behavioral health condition (conditions covered in the DSM IV). <span style="mso-spacerun: yes;"> </span>There are costs to consider which are associated with this type of care as well. The breakdown from the official TRICARE website is as follows:</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Verdana; mso-bidi-font-family: Arial;"> </span></p>
<div>
<table class="MsoNormalTable" style="border-collapse: collapse; mso-padding-alt: 0in 0in 0in 0in;" border="0" cellspacing="0" cellpadding="0">
<tbody>
<tr style="height: 16.5pt; mso-yfti-irow: 0; mso-yfti-firstrow: yes;">
<td style="background-color: transparent; width: 184.5pt; height: 16.5pt; border: gray 1.5pt solid; padding: 0in;" width="246">
<p style="text-align: center;"><strong><span style="font-size: 14pt; color: #000000; font-family: Verdana; mso-bidi-font-family: Arial;">Psychotherapy (Outpatient Mental Health)</span></strong></p>
</td>
<td style="border-bottom: gray 1.5pt solid; border-left: #ebe9ed; background-color: transparent; width: 76.5pt; height: 16.5pt; border-top: gray 1.5pt solid; border-right: gray 1.5pt solid; padding: 0in;" width="102" valign="top">
<p style="text-align: center;"><strong><span style="font-size: 14pt; color: #000000; font-family: Verdana; mso-bidi-font-family: Arial;">TRICARE<br />
Prime</span></strong></p>
</td>
<td style="border-bottom: gray 1.5pt solid; border-left: #ebe9ed; background-color: transparent; width: 67.5pt; height: 16.5pt; border-top: gray 1.5pt solid; border-right: gray 1.5pt solid; padding: 0in;" width="90" valign="top">
<p style="text-align: center;"><strong><span style="font-size: 14pt; color: #000000; font-family: Verdana; mso-bidi-font-family: Arial;">TRICARE<br />
Extra</span></strong></p>
</td>
<td style="border-bottom: gray 1.5pt solid; border-left: #ebe9ed; background-color: transparent; width: 76.5pt; height: 16.5pt; border-top: gray 1.5pt solid; border-right: gray 1.5pt solid; padding: 0in;" width="102" valign="top">
<p style="text-align: center;"><strong><span style="font-size: 14pt; color: #000000; font-family: Verdana; mso-bidi-font-family: Arial;">TRICARE<br />
Standard</span></strong></p>
</td>
</tr>
<tr style="height: 13.35pt; mso-yfti-irow: 1;">
<td style="border-bottom: gray 1.5pt solid; border-left: gray 1.5pt solid; background-color: transparent; width: 184.5pt; height: 13.35pt; border-top: #ebe9ed; border-right: gray 1.5pt solid; padding: 0in;" width="246">
<p style="text-align: center;"><span style="font-size: 14pt; color: #000000; font-family: Verdana; mso-bidi-font-family: Arial;">ADFM</span></p>
</td>
<td style="border-bottom: gray 1.5pt solid; border-left: #ebe9ed; background-color: transparent; width: 76.5pt; height: 13.35pt; border-top: #ebe9ed; border-right: gray 1.5pt solid; padding: 0in;" width="102">
<p style="text-align: center;"><span style="font-size: 14pt; color: #000000; font-family: Verdana; mso-bidi-font-family: Arial;">None</span></p>
</td>
<td style="border-bottom: gray 1.5pt solid; border-left: #ebe9ed; background-color: transparent; width: 67.5pt; height: 13.35pt; border-top: #ebe9ed; border-right: gray 1.5pt solid; padding: 0in;" width="90">
<p style="text-align: center;"><span style="font-size: 14pt; color: #000000; font-family: Verdana; mso-bidi-font-family: Arial;">15%</span></p>
</td>
<td style="border-bottom: gray 1.5pt solid; border-left: #ebe9ed; background-color: transparent; width: 76.5pt; height: 13.35pt; border-top: #ebe9ed; border-right: gray 1.5pt solid; padding: 0in;" width="102">
<p style="text-align: center;"><span style="font-size: 14pt; color: #000000; font-family: Verdana; mso-bidi-font-family: Arial;">20% *</span></p>
</td>
</tr>
<tr style="height: 2.5pt; mso-yfti-irow: 2; mso-yfti-lastrow: yes;">
<td style="border-bottom: gray 1.5pt solid; border-left: gray 1.5pt solid; background-color: transparent; width: 184.5pt; height: 2.5pt; border-top: #ebe9ed; border-right: gray 1.5pt solid; padding: 0in;" width="246">
<p style="text-align: center; mso-line-height-alt: 2.5pt;"><span style="font-size: 14pt; color: #000000; font-family: Verdana; mso-bidi-font-family: Arial;">Retirees and Others</span></p>
</td>
<td style="border-bottom: gray 1.5pt solid; border-left: #ebe9ed; background-color: transparent; width: 76.5pt; height: 2.5pt; border-top: #ebe9ed; border-right: gray 1.5pt solid; padding: 0in;" width="102">
<p style="text-align: center; mso-line-height-alt: 2.5pt;"><span style="font-size: 14pt; color: #000000; font-family: Verdana; mso-bidi-font-family: Arial;">Individual/Family Therapy $25<br />
Group Therapy $17</span></p>
</td>
<td style="border-bottom: gray 1.5pt solid; border-left: #ebe9ed; background-color: transparent; width: 67.5pt; height: 2.5pt; border-top: #ebe9ed; border-right: gray 1.5pt solid; padding: 0in;" width="90">
<p style="text-align: center; mso-line-height-alt: 2.5pt;"><span style="font-size: 14pt; color: #000000; font-family: Verdana; mso-bidi-font-family: Arial;">20%</span></p>
</td>
<td style="border-bottom: gray 1.5pt solid; border-left: #ebe9ed; background-color: transparent; width: 76.5pt; height: 2.5pt; border-top: #ebe9ed; border-right: gray 1.5pt solid; padding: 0in;" width="102">
<p style="text-align: center; mso-line-height-alt: 2.5pt;"><span style="font-size: 14pt; color: #000000; font-family: Verdana; mso-bidi-font-family: Arial;">25% *</span></p>
</td>
</tr>
</tbody>
</table>
</div>
<p style="margin-left: 0.5in; text-indent: -0.25in; mso-list: l0 level1 lfo1; tab-stops: list .5in;"><span style="font-size: 14pt; font-family: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-family: &amp;quot;Times New Roman&amp;quot;;">        </span></span></span><em style="mso-bidi-font-style: normal;"><span style="font-size: 14pt; font-family: Verdana; mso-bidi-font-family: Arial;">TRICARE Standard beneficiaries may be required to pay up to 15% above the TRICARE allowed amount when using a provider that does not participate in TRICARE</span></em><span style="font-size: 14pt; font-family: Verdana; mso-bidi-font-family: Arial;">.</span></p>
<p style="margin-left: 0.25in;"><span style="font-size: 14pt; font-family: Verdana; mso-bidi-font-family: Arial;">Individuals who do receive authorization for marriage counseling will likely be treated by a <a href="https://www.hnfs.net/common/referralsAuths/Referrals%20and%20Prior%20Authorizations%20For%20Behavioral%20Health.htm">Licensed Marriage and Family Therapist (LMFT). TRICARE explains that these care providers hold at least a Masters in counseling. LMFT’s do not prescribe medication as they are not doctors.</a> Individuals requiring mediation for a behavioral health condition might be treated by a psychiatrist (and in some cases a <strong><span style="font-weight: normal; color: #000000; font-family: Verdana; mso-bidi-font-family: Arial; mso-bidi-font-weight: bold;">Certified Psychiatric Nurse Specialist who can manage medications). </span></strong><strong></strong></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-size: 14pt; font-family: Verdana; mso-bidi-font-family: Arial;">Also, TRICARE announced last December that, “<a href="http://www.tricare.mil/bcacdcao/">Behavioral Health Provider Locator and Appointment Assistance Service is a dedicated toll-free telephone line at 1-877-747-9579</a><strong><span style="color: #000000; font-family: Verdana; mso-bidi-font-family: Arial;">.”</span></strong> However, it is important to note that, “<a href="https://www.hnfs.net/common/referralsAuths/Referrals%20and%20Prior%20Authorizations%20For%20Behavioral%20Health.htm">[r]eferrals and prior authorizations may be required for behavioral health care depending on what type of TRICARE health care plan option you have. If you are seeing more than one provider, it is essential to keep all parties informed so that all are aware of any medications and treatment you may be receiving</a>.” Be sure to check on your plan before contacting a provider to save yourself from hassles. </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><strong><span style="font-size: 14pt; color: #000000; font-family: Verdana; mso-bidi-font-family: Arial;"> </span></strong></p>
<p> <strong><span style="font-weight: normal; font-size: 14pt; color: #000000; font-family: Verdana; mso-bidi-font-family: Arial; mso-bidi-font-weight: bold;">For more information on <a href="https://www.hnfs.net/provider/authorizations/behavioralHealth/Behavioral%20Health%20Referrals.htm"><span style="mso-bidi-font-weight: normal;">Behavioral Health Care, visit the TRICARE website</span></a>: <a href="http://www.tricare.mil/"><span style="mso-bidi-font-weight: normal;">http://www.tricare.mil/</span></a>.</span></strong></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt;"><strong><span style="font-weight: normal; font-size: 14pt; color: #000000; font-family: Verdana; mso-bidi-font-weight: bold;"> Additionally, please read: <a href="http://www.humana-military.com/south/provider/tools-resources/Bulletins-Newsletters/I5-09/marriage-counseling-and-family-therapy.asp">http://www.humana-military.com/south/provider/tools-resources/Bulletins-Newsletters/I5-09/marriage-counseling-and-family-therapy.asp</a><br />
</span></strong></p>
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		<title>Education Brief</title>
		<link>http://www.coastguardfamily.org/newsletter/?p=27</link>
		<comments>http://www.coastguardfamily.org/newsletter/?p=27#comments</comments>
		<pubDate>Tue, 14 Oct 2008 00:16:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[education]]></category>

		<guid isPermaLink="false">http://www.coastguardfamily.org/newsletter/?p=27</guid>
		<description><![CDATA[Many may not be aware of the educational opportunties and resources that exist for Coast Guard dependents. Be sure to check out the following, if you haven&#8217;t already done so:
Skillport for Spouses @ USCG Learning Portal 
(refer to ALCOAST 164/08)
 
SOCCOAST
 
CLEP
 
DANTES
CG Mutual Assistance
CG Foundation
]]></description>
			<content:encoded><![CDATA[<p>Many may not be aware of the educational opportunties and resources that exist for Coast Guard dependents. Be sure to check out the following, if you haven&#8217;t already done so:</p>
<p style="text-align: center;"><span style="font-size: 14pt; font-family: Georgia;"><a href="https://learning.uscg.mil/">Skillport for Spouses @ USCG Learning Portal</a> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center;" align="center"><span style="font-size: 14pt; font-family: Georgia;">(refer to ALCOAST 164/08)</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center;" align="center"><span style="font-size: 14pt; font-family: Georgia;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center;" align="center"><span style="font-size: 14pt; font-family: Georgia;"><a href="http://www.soc.aascu.org/soccoast/Default.html">SOCCOAST</a></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center;" align="center"><span style="font-size: 14pt; font-family: Georgia;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center;" align="center"><span style="font-size: 14pt; font-family: Georgia;"><a href="http://www.collegeboard.com/student/testing/clep/about.html">CLEP</a></span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center;" align="center"><span style="font-size: 14pt; font-family: Georgia;"> </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt; text-align: center;" align="center"><span style="font-size: 14pt; font-family: Georgia;"><a href="http://www.dantes.doded.mil/Dantes_web/DANTESHOME.asp">DANTES</a></span></p>
<p style="text-align: center;"><span style="font-size: 14pt; font-family: Georgia;"><a href="http://www.cgmahq.org/">CG Mutual Assistance</a></span></p>
<p style="text-align: center;"><span style="font-size: 14pt; font-family: Georgia;"><a href="http://www.cgfdn.org/">CG Foundation</a></span></p>
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