The Beacon. In this issue: UPCOMING EVENTS PRESIDENT S MESSAGE. February 2018

Similar documents
The Beacon. In this issue: UPCOMING EVENTS PRESIDENT S MESSAGE. September 2018

2019 FRA LEGISLATIVE AGENDA

The Fleet Reserve Association

HQDA Army Family Action Plan (AFAP) Conference Report Out. 4 February 2011

Jackie had a vivacious, fun loving spirit and we are better for having had her as a member of our chapter.

CONGRATULATIONS Joyce Harte

STATEMENT BY GENERAL RICHARD A. CODY VICE CHIEF OF STAFF UNITED STATES ARMY BEFORE THE SENATE ARMED SERVICES COMMITTEE FIRST SESSION, 109TH CONGRESS

February MOAA Dinner. Capitol Area Chapter Military Officers Association of America Timely Topics. Chapter Web site: \ (Vol 2018 No.

Presidents Corner: I believe that most of us was very shocked and surprised to learn of the passing of Joyce Harte.

Military Reference Guide

Newsletter By please see page 5!

Veterans Affairs: Gray Area Retirees Issues and Related Legislation

Report to the Armed Services Committees of the Senate and House of Representatives

Appendix B. Survey Items

Report to Congressional Defense Committees

National Guard Association of South Dakota 2012 NGASD Conference Deadwood, SD April 2012

REPORT OF THE COUNCIL ON MEDICAL SERVICE. Acceptance of TRICARE Health Insurance

Our guest speaker will be Melenie Bevan, new Bradenton police chief

RETIREES ADVISORY COUNCIL Tuesday, 9 January 2018, 1000

Statement of Lieutenant General Dennis M. McCarthy, USMC (Ret.) Executive Director Reserve Officers Association of the United States.

DoD-State Liaison Update

FY 2013 National Defense Authorization Act Matrix with TMC Positions October 11, 2012

Active Duty Orientation

TITLE IV MILITARY PERSONNEL AUTHORIZATIONS

September Retiree Appreciation Picnic

FISCAL YEAR 2012 DOD BUDGET

2018 Evidence of Coverage

Chair s Corner (Call to Action!)

TESTIMONY OF THE NATIONAL GUARD ASSOCIATION OF THE UNITED STATES. Senate Committee on Veterans Affairs. House Committee on Veterans Affairs

The New Medi-Cal Recovery Laws. Effective January 1, 2017

Military / Veteran Divorce Issues. November 14, 2014 Presented by Polli A. Pollem Military Assistance Project Director, Indiana Legal Services

Evidence of Coverage. Elderplan Advantage for Nursing Home Residents (HMO SNP) H3347_EP16115_SALIS_

REMARKS BY VICE PRESIDENT PENCE TO TROOPS. Schriever Air Force Base Colorado Springs, Colorado

LEGISLATIVE AWARENESS WEEK OCTOBER 14-20, 2012

APR/MAY 2018 NEWSLETTER MARITIME INSTITUTE OF TECHNOLOGY AND GRADUATE STUDIES (MITAGS)

Women and the Draft. what does "equal rights" mean?

Charting the Sea of Goodwill

Congratulations to The Following Posts For Achieving 100%+ In Membership:

TRICARE West Region UnitedHealthcare Military & Veterans

Latest news for veterans benefits

CURRENT LEGISLATION / KEY BILLS IN CONGRESS

27th Special Operations Medical Group 2016 Fall Closures (Current as of 31 October 2016)

The Lantern Palm Beach-Martin Counties Chapter Military Officers Association of America

CHARLES L. RICE, M.D.

Understanding Military Pay. Child Support in Military Families. Agenda 11/4/2016

HIGHLIGHTS The New Jersey Veterans Memorial Home at Menlo Park maintenance crew keep the Home s parking lot and all outside areas in tip-top shape dur

INSTRUCTIONS FOR COMPLETION OF DD FORM , APPLICATION FOR IDENTIFICATION CARD/DEERS ENROLLMENT

MAY Inside this Edition.

MILITARY AND VETERANS AFFAIRS AGENDA

Questions and Answers Florida Department of Economic Opportunity Employment and Unemployment Data Release July 2018 (Released August 17, 2018)

Renew your dues please see page 5!

Military Medical Care: Questions and Answers

September RSP Family Assistance Newsletter

Effective: 12 October Hours:

PUTNAM VETERAN S REGISTER

JBM-HH Army Personnel and Finance In-Processing is held daily from 8 to 11:15 a.m. in Building 230, Room 117, Fort Myer.

THE NATIONAL INTREPID CENTER OF EXCELLENCE

Understanding Your Options for Care. in a Nursing Home or Assisted Living Facility

DOCTORAL INTERNSHIPS

Lieutenant Colonel Thomas Harris: A Heroic Heart. Thomas Harris may no longer serve in the military, but he continues serving his country

Department of Defense MANUAL

Notes From The Chapter President

ROTC Representatives Share Lessons From Service

FY2018. NDAA Reform. Recommendations

VA Survivors Benefits Cindy Smith VFW Volunteer Service Officer

National Capital Area Chapter The 101st Airborne Division Association

PROFILE OF THE MILITARY COMMUNITY

Ensuring That Women Veterans Gain Timely Access to High-Quality Care and Benefits

Patient Centric Model (PCM)

Protecting WI Medicaid: Avoiding Harm in Our Communities

INFORMATION PAPER. AHRC-DZB 11 April SUBJECT: Overview of the Army Physical Disability Evaluation System

Nowhere to Turn. Findings from a survey on access to mental health and addiction treatment among Missouri health plan beneficiaries

Never Stop Serving Join us at

Medicare and Medicaid

DEPARTMENT OF VETERANS AFFAIRS Presumption of Herbicide Exposure and Presumption of Disability During Service For

National Veterans Service

The next publication of The Standard is March 21. If you have any submissions you would like to be considered for the paper please send them to

Your Resignation in 2014, when you Enlisted in the Army, Does Not Defeat your Right to Reemployment in 2018, When you Were Released from Active Duty

What is Medi-Cal?...2. What is Medi-Cal Recovery?...2. Covered California and Medi-Cal Expansion...3. What is Managed Care?...3

TRICARE TRICARE. Health care program for

Benefit Programs. Education. Tracey Gross Education Liaison Representative (GA) Southern Region Veterans Benefits Administration.

The Eagle s Eye January 2016

LESSON 4: MILITARY CAREER OPPORTUNITIES

JOYCE WESSEL RAEZER. Before the SUBCOMMITTEE ON DEFENSE. of the SENATE APPROPRIATIONS COMMITTEE. May 15, 2003

OMBUDSMAN NEWSLETTER A newsletter for NMCSD families

CRCE Exam Study Manual Update for 2017

UNITED STATES SENATE COMMITTEE ON ARMED SERVICES

Military Medical Care: Questions and Answers

ROTC PROGRAMS UNIVERSITY OF SOUTH FLORIDA UNDERGRADUATE CATALOG. ROTC Programs

Minnesota Department of Veterans Affairs

December 15, 1995 No. 17

Hiring America s Military Veterans. Great for Business Great for America!

MCRMC Recommendations Overview

NATIONAL SHERIFFS ASSOCIATION

THE BUGLER April 2016

Democracy from Afar. States Show Progress on Military and Overseas Voting

Managing Patients with Multiple Chronic Conditions

Inside this issue. November RSP Family Assistance Newsletter. Chaplain 7. Ft Benning Info 2. Military Hotels 3. Family Assistance Briefings dates 4

LAW REVIEW November The Physical Disability Board of Review for Medical Retirement Reevaluation

LEGISLATIVE RESEARCH COMMISSION PDF VERSION

Transcription:

In this issue: UPCOMING EVENTS... 1 PRESIDENT S MESSAGE... 1 OVERDUE CHAPTER DUES... 2 OBITUARY FOR LTC JOHN P. BULGER, USA RET.... 2 MY APG STORY: JESSIE J. SHANKS SR.... 3 LEGISLATIVE UPDATE... 3 GILCHRIST HOSPICE VIETNAM VETERANS EVENT... 4 SPOUSE NEWS... 4 NATIONAL NEWS... 7 THE MILITARY FAMILY SURVEY DATA POINT NO ONE IS TALKING ABOUT... 9 CHAPTER LEADERSHIP... 10 ABOUT MOAA... 10 SUITING WARRIORS... 11 SAFE PROJECT (STOP THE ADDICTION FATALITY EPIDEMIC)... 12 MEMBERSHIP DUES FORM... 13 UPCOMING EVENTS 3 March 2018: Saturday, Bel Air Public Library, 10:30am: VA Claims Submission Workshop by Cindy Smith, Assistant Department Service Officer for the VFW June 2018: Chapter Picnic. More information to follow. PRESIDENT S MESSAGE I must start this note with thanks to all of you, our Chapter membership for your confidence when you elected me to be President. I did not seek out this position, but I will do my best to keep the Chapter moving forward. Thanks also go to all of the Officers and Board of Directors who agreed to serve with me this year. Lastly, I must express the deepest gratitude of all our members to Annie Brock for her dedication and tireless efforts over the past three years as President of our Susquehanna Chapter. Looking forward, I am excited to be supporting you for this new year with a great group of Officers. A lot is happening in our country, both good and bad, and most of which we cannot do anything about. We need to focus on the priorities of our Chapter, i.e. to support our uniformed services, our veterans, our retirees, and our members. As the Legislative notes in this newsletter show, there is also a lot happening in the Maryland legislature that will affect our priorities above. Please help as you are able. (443) 686-1484 1

We plan to offer you, and others, a variety of events this year, such as the VA Claims workshop listed above. This event is designed specifically to help anyone who is dealing with a claim or expects to in the future. We are also working on a summer social picnic to bring everyone together over the summer; and who knows, we may make it more than just a picnic! If you have ideas for future programs, please let our VP for Programs, Cathy Hampton know. Unfortunately, I have to let everyone know the sad news that our member of long standing, John Bulger, has died. The Bulg was a dedicated member of this Chapter and although I never had the pleasure of meeting him, many of you knew him well. His obituary is below. This newsletter has quite a bit of information in it; please see what interests you. I would like to highlight the information on the very nice article about our own Jesse Shanks and the Spouse News section. In closing, your newly elected Chapter Officers and Board will be working for the betterment of the Chapter this year. Please provide them with your encouragement and support. We will continue to send out this newsletter to keep you informed of news and information tailored to you. Respectfully, Harry Quinn President, Susquehanna Chapter, MOAA OVERDUE CHAPTER DUES The Board of Directors voted at the 5 December meeting to delete from our chapter membership, effective 1 March, any member whose dues are more than 2 years in arrears. Anyone who wishes to maintain their membership may pay their delinquent dues using the form at the end of the newsletter. If you have any questions about your dues status, please contact our new Vice-President for Membership, Trent Moxley, at vpmembership@susquehannamoaa.org. Dues may be paid online at Pay Dues or mail the form at the end of this letter with a check. OBITUARY FOR LTC JOHN P. BULGER, USA RET. LTC John P. Bulger, USA Ret., age 79, of Bel Air, MD passed away on February 12, 2018 at the Senator Bob Hooper House in Forest Hill, MD. Born in New York City, NY, he was the son of Dr. Craig P. and Dr. Dorothy (Lang) Bulger. He graduated from the University of Vermont with his Bachelors and Master's Degree in Chemistry, and also received his MBA from Florida Institute of Technology. After graduation from UVM he received his commission in the US Army serving throughout the world and saw combat during the Vietnam War. John retired from the Army in 1983 attaining the rank of Lieutenant Colonel. Then he worked as a defense contractor and consultant with SAIC until his ultimate retirement in 2003. His passions in retirement were his retrievers and training them for work in the field. He enjoyed the outdoors and had a particular fondness for Vermont, where he spent much of his time growing up, and Camden, South Carolina, where he built a farm to train dogs with his friends. He was a member of Bel Air United Methodist Church and volunteered with the Boys Scouts of America as a leader for 25 years. He was also a member of the Flat-Coated Retriever Society of America, as well as many other breed and training clubs. Mr. Bulger is survived by his wife of 56 years, Sandra H. Bulger; daughter, Gail (David) Vanderbeek of Fallston; son, Greg (Stephanie) Bulger of Bear, DE; five grandsons, SSG Evan (Leanne) Bulger, Ryan Bulger, (443) 686-1484 2

Tyler Bulger, Spencer Vanderbeek and Eric Vanderbeek; three granddaughters, Patricia Bulger, Maria Bulger and Laura Vanderbeek; great-grandsons, Alan & Calvin Bulger; and his beloved Flat Coats. In addition to his parents, he was preceded in death by his brother, Craig Bulger. In lieu of flowers, memorial contributions may be made to the Flat-Coated Retriever Foundation, 128 Glendale Dr., Burlington, IA 52601 or to EOD Warrior Foundation, 701 John Sims Pkwy E, Suite 305, Niceville, FL 32578. (This obituary was reprinted from www.mccomasfuneralhome.com) MY APG STORY: JESSIE J. SHANKS SR. We were remiss in January for not drawing your attention to a wonderful story in the December 14 th issue of The APG News about one of our very own, CW2 Jessie J. Shanks, Sr., USA (Ret). Read the story about Jesse at this link: http://apgnews.com/community-news/apg-story-jessie-j-shanks-sr/ LEGISLATIVE UPDATE SB0152/HB1617: Adds veterans of the Commissioned Corps of the Public Health Service and the Commissioned Corps of the National Oceanic and Atmospheric Administration for the purpose of granting a (443) 686-1484 3 (Picture taken by Yvonne Johnson, APG News) Several bills of interest to the Susquehanna Chapter are working their way through the General Assembly. For more information or to see how you can help, contact Annie Brock at (mdcoclegis@gmail.com). HB0327: Exemption of uniformed service retirement income and SBP from Maryland State Income Tax. (Sponsor: Del Mary Ann Lisanti; we are not supporting this bill as it is not as favorable as HB0362/SB0312). HB0362/SB0312: Exempts the first $15,000 of uniformed service retirement income and SBP from Maryland State Income Tax in 2017, the first 75% in 2018, and 100% in 2019. Hearings on Feb 21 st, 1:00 PM) Annie Brock is putting together panels of individuals who would like to testify. Please contact her via email at mdcoclegis@gmail.com regarding this if you haven t done so already. The same people will testify in front of both committees. We also need people to come and swell the crowd. HB0502: Includes surviving spouses in the property tax exemption enabling legislation. (Hearing on Feb 6 th ). HB0512: Increases the exemption of the first $22,500 of military pay earned for active service outside the US from Maryland State Income Tax. It is reduced dollar for dollar for each dollar exceeding $22,500, and is reduced to zero if the amount is in excess of $45,000. (Hearing on Feb 14 th ) SB0066: Veteran and Armed Services Member Suicide Reporting: Requires reporting of veteran and active duty service member suicides on the State level. (Passed in the Senate) SB0378: Limits the number of years an individual can receive credit for military service in the State of Maryland retirement system. (Hearing on Feb 8 th )

preference in hiring and promotion to eligible veterans, spouses of eligible veterans, and surviving spouses of eligible veterans GILCHRIST HOSPICE VIETNAM VETERANS EVENT Gilchrist is hosting a Welcome Home Vietnam Veterans Event. Details can be found on the gilchristcares.org web site or by googling the event title. It s a 3 hour event with first 1.5 hours for breakfast and last 1.5 hours speeches/discussion. WELCOME HOME VIETNAM VETERANS DAY CELEBRATION WHEN: 03/30/2018 @ 9:00 am 12:00 pm WHERE: Martin's West, 6817 Dogwood Rd, Windsor Mill, MD 21244 SPOUSE NEWS 1. Tax Deal Passes The Tax Cuts and Jobs Act passed both chambers after House officials decided only a simple majority vote was required. President Trump signed the bill into law. Moving and storage expenses deductions, benefiting from tax-preferred gains on the sale of a home, and the repeal of the work opportunity tax credit (WOTC) were dropped from the bill. The number of veterans who benefited from the Bill from 2013-2015 increased by almost 700%. The medical deduction floor will be decreased from 10% of adjusted gross income to 7.5% for 2017 and 2018. After that, it will return to the 10% floor. A Joint Committee on Taxation (JCT) score of the legislation prior to conference committee suggested the deficit likely would increase by more than a trillion dollars. Supporters of the legislation suggest the increase of the standard deduction to $12,000 for individuals and $24,000 for those married filing jointly will more than cover the loss of the benefit of itemizing some of the deductions. In other words, many won't have to go to the trouble of itemizing their deductions--and will very likely save money in taxes. Alimony payments will no longer be deductible for the payer spouse, but will remain as tax-free income for the recipient. This only applies to divorce or separation instruments executed after December 31, 2018. The bill reduces the limit on deductible mortgage debt to $750,000 for new purchases and refinancing entered into after December 15, 2017, and repeals deduction of interest paid on home equity debt, through 2025. 2. Visitors at Joint Base Andrews (formerly Andrews Air Force Base). The Visitors Control Center (VCC) controls entry to Joint Base Andrews by checking identification and vetting an individual's background to determine the necessity for Base access. Starting this month (), the VCC will no longer be open on Saturdays. The Center's future operation hours will be from 0600-1900, Monday thru Friday only. The VCC will be closed on weekends, Federal holidays, and Family Days of the Air Force District of Washington/11th Wing. [I suggest that you make certain you have you appropriate identification, such as your proper Federal ID card, if you plan to visit the AAFES Store, the Commissary, the Club, or have a business meeting, etc., especially at times when the VCC is not open. 3. Key Policy 2018 decisions There are 3 key policy decisions which may affect some of us: (a) unchanged Basic Allowance for Housing calculation (BAH), (b) TRICARE matters, and (c) Lessons regarding the "Widows Tax." BAH (Basic Allowance for Housing) is a part of each individual servicemember's earned compensation, an issue which MOAA has worked diligently with Congress to maintain. (443) 686-1484 4

TRICARE participants will still be allowed to obtain medications at military pharmacies for free. There will be, however, a steady increase in pharmacy copayments across all medication tiers. This increase in cost will save DoD more than $1 billion by 2022 and is expected to fund the Special Survivor Indemnity Allowance (SSIA) and improvements in military readiness. The new fees will include mail-order generic prescriptions. Most of the increases will be through the retail pharmacy sector. The new costs are explained in detail below; see item #7. Congress included a provision in the FY 2018 National Defense Authorization Act (NDAA) that provides a permanent extension to the Social Security Indemnity Act. Without congressional action, 67,000 military survivors would lose $2,100 in 2018 if the allowance had been allowed to expire in May of this year--and over $3,700 a year thereafter. Congress is extending the SSIA and indexing future increase to COLA. Next year MOAA plans to go to Congress and ask that it increase SSIA above COLA to further reduce the widows' tax over a period of years. [I expect this will be an issue that MOAA addresses with our members of Congress when we "Storm the Hill" on the 18th of April. I plan to be there!] 4. Spouse License Portability. MOAA leaders commissioned a report, conducted by the University of Minnesota and released in November 2017, which studied cosmetology, dental hygiene, massage therapy, occupational therapy, counseling, and real estate commissions/licensure. They found that some legislation had greater impact because of its use of the word, "shall," while other legislation used the word "may." This wording makes eligibility for license endorsement somewhat permissive and quite ambiguous. Examples of recommendations for how a state can make a more positive impact on military spouse employment are: (a) increase prominence of information on websites about accommodations for military spouses, (b) identify a staff member who can act as the point of contact for military spouses, (c) include an opportunity for military spouses to self-identify on applications for transfer of a license, and (d) increase accommodations for continuing education. 5. Innovations for the Military Health System Upgrades to the Military Health System include the MHS GENESIS. Launched in February, it creates a single electronic health record for each of the 9.4 million military DoD beneficiaries. It is the first upgrade to the military health documentation in many years and is expected to be used in all military clinics and hospitals by 2022. In addition: (a) The Navy's Bureau of Medicine (BuMED) is working on a tinted lens that can block out the blue light which interferes with sleep by interfering with the brain's production of melatonin. Melatonin is the hormone that makes people sleepy. The blue light from electronic devices--including computers, tablets, cellphones, and overhead lighting can keep people from sleeping. Sleep deprivation is a well-documented issue for service members and, therefore, this type of lens can prove extremely valuable. (b) Osseointegration is a process that attaches the prosthesis directly to the skeleton and can improve the comfort and mobility for qualified patients with amputations. (c) The osseointegration clinical trial at Walter Reed National MiIitary Medical Center (WRNMMC) in Bethesda, MD, is the first of its kind in the United States. 6. Application Fee Waiver The University of Maryland has waived the undergraduate college application fee to U.S. Veterans and members of the Armed Forces. This waiver will be available for the 2019-2020 academic year that commences this coming August. Driven by the Coalition for Access, Affordability, and Success, of which the (443) 686-1484 5

University of Maryland is a member, the initiative will allow Veterans and current Service members to apply for free through the Coalition's on-line application. 7. Express Scripts Now Has Copay for Generics Beginning February 1st, TRICARE pharmacy copayments changed for all beneficiaries, except for Active Duty Service Members (ADSM's), dependent survivors of ADSMs, and medically retired service members and their dependents. The changes were required by Federal law, under the National Defense Authorization Act (NDAA) for FY 2018. Copayments for generic drugs, brand name drugs, and non-formulary drugs increase across the retail and home delivery points of service. Beneficiaries, of course, still have the option of getting brand name and generic drugs without any copayment at military pharmacies. [Note: Formulary drugs are those approved to be stocked and available in one's local military hospital or clinic pharmacy. Although there are some exceptions, non-formulary drugs generally are only available through home delivery and require prior authorization and/or medical necessity.] Here are the Retail Network Pharmacy Copayment Changes (up to 30-day supply): Generic formulary drugs are now $11 (increased from $10). Brand-name formulary drugs are now $28 (increased from $24). Non-formulary drugs are now $53 (increased from $50). Reminder: These are generally only available through home delivery. Here are the TRICARE Pharmacy Home Delivery Copayment Changes (up to a 90-day supply): Generic formulary drugs are now $7. (In the past, there was no copayment charge for these.) Brand-name formulary drugs are now $24 (increased from $20). Non-formulary drugs are now $53 (increased from $49). Military Treatment Facility (MTF) Pharmacy Copayment Changes: Beneficiaries still can fill their prescriptions without any copayment charges at MTF pharmacies. There are many of them within the State of Maryland--and nearby across the Maryland line (e.g., Carlisle Barracks, several location in DC, Fort Myer, etc.). You can save many dollars in copayments if you plan your prescription pick-ups at these medical facilities. Reordering can be accomplished at most locations either online or by telephone (dialing in and entering prescription numbers on the keypad). You may be interested that Active Duty Service Members can get their prescriptions filled from any pharmacy without cost. Special note: Copayments are remaining the same as the 2017 rates for (a) dependent survivors of ADSMs and (2) medically retired service members and their dependents. 8. TRICARE Users Overcharged Many TRICARE users were overcharged for drugs in early January 2018, because the system's pharmacy contractor misunderstood a series of system changes. These users will be sent refunds by mail during the current month (). About 35,000 users are affected, but do not need to take any individual action. TRICARE Select, a combination of TRICARE Standard and TRICARE Extra, began January 1st. Users must pay the $150 per individual for health care prescription copays and in-network pharmacies are included in the deductible. 9. Vision and Dental Care The current retiree plan will be ended and retired families will soon be eligible to purchase both vision and dental coverage through the Federal Employees Dental and Vision Insurance Program. Active duty families (443) 686-1484 6

can purchase only vision insurance. They will remain in the TRICARE Dental Program. [Note: I understand that Delta Dental of California will remain the company servicing our geographic area with dental care for Uniformed Services retiree families; more information will follow as soon as I have it. 10. Off-Installation Urgent Care Facility Use Service members and their families on TRICARE Prime do not need a referral from the Primary Care Doctor or Manager to visit urgent care facilities. 11. Mental Health Coverage President Trump signed an Executive Order to expand mental health coverage.. This will target high risk Service member transitioning out of the military or making a permanent change of station. He hopes this will help decrease the suicide rate within the Veteran community. NATIONAL NEWS How Military Officers Tax Brackets Could Change Under the New Reform Plan Service members and their families are likely to fall into new tax brackets when filing their returns for 2018 - and it could result in some cash savings for some. Republicans in Congress celebrated a major legislative win last week with President Donald Trump's signing of the Tax Cuts and Jobs Act Dec. 22. The changes keep the standard seven tax brackets, but the income rates for each - and most of the tax rates - are about to change. Trump said last week that the typical family of four earning $75,000 will see an income tax cut of more than $2,000. And that's - in my opinion - going to be less than the average, he added. You're going to have a lot more than that. Sen. Claire McCaskill (D-Mo.) a member of the Senate Armed Services Committee, disagrees. The Tax Cuts and Jobs Act should have done more for working families, she said, instead of the rich and powerful. How real-world outcomes will shake out in years to come is still up for debate. Taxes are complicated, experts warn, and savings will depend on a host of factors like number of dependents, location, and deductions. Here's a look at how some officers' tax brackets could change based on income, the new standard deduction - $12,000 for single taxpayers and $24,000 for married couples filing jointly - and marital status alone. A taxpayer's marginal tax rate is the tax rate a taxpayer pays on their last dollar of taxable income, said Cmdr. Patrick Kusiak, JAGC, USN (Ret), a tax attorney and former member of MOAA's board of directors. A single ensign or second lieutenant with less than two years in who lives in San Diego and makes about $36,420 annually ($24,420 taxable income) will see their marginal tax rate drop from 15 percent to 12. A married chief warrant officer five with more than 20 years in who lives near Quantico, Va., and makes $89,232 ($65,232 taxable income) will see their marginal tax rate drop from 15 percent to 12 percent. A married lieutenant colonel based at Fort Bragg, N.C., who's served at least 16 years and makes just under $100,000 annually ($76,000 taxable income) also will see their marginal rate drop from 25 percent to 12. A single major based in Hawaii who's served more than 12 years and makes about $86,000 a year ($74,000 taxable income) will fall into a new tax bracket of 22 percent. Under the old income bracket, they would have been in the 25-percent tax bracket. (443) 686-1484 7

Under the new plan, single filers who make less than $20,000 a year (less than $8,000 taxable income) still will see their taxable income taxed at 10 percent. Because most Americans make more than that amount, though, supporters say the bulk of the population will see their tax bills drop. Editor's note: This article was updated to include clarification on marginal tax rates and remove incorrect savings projections. Mil Tech 5 New Approaches to Body Armor for Troops A defense manufacturer, a high-strength-fiber maker, university researchers, and a U.S. Air Force Academy cadet have come up with several new approaches to developing body armor for troops in harm's way. Liquid armor BAE Systems and Helios Global Technologies are developing liquid armor technology. BAE says in tests, its bulletproof "custard" has been able to stop projectiles more effectively. The technology is such that the liquid hardens when struck. BAE notes if combined with Kevlar, the paired materials could have wide applications. Anne Healey, BAE Systems general manager-canada, says liquid armor could offer troops increased protection and yet be lighter, allowing for greater maneuverability. Liquid armor is a material that has reduced mass but gives increased protection, has a wider area of coverage, and easily can integrate with other systems, she notes. Foam Afsaneh Rabiei, who has a doctorate in mechanics and materials and is a professor in Mechanical and Aerospace Engineering at North Carolina State University, is head of a team that created a composite metal foam that might be used by the military to produce super-light body armor for personnel. Rabiei's team developed a foam body armor that defeated a 7.62-mm armor piercing bullet, turning it into powder on impact. The strike face was made of the composite metal foam, along with boron carbide ceramics, while the back plates were Kevlar. The research team found the armor piercing round penetrated less than an inch on the weapon side, while on the soldier's side, it created an 8-mm indentation on the back plate. Human hair The Air Force Office of Science Research funded a study at the University of California, San Diego that examined the strength-to-weight ratio of human hair compared to steel. Researchers found hair had strength like steel but also could stretch 1-1/2 times its length before it snapped. They also determined when hair is stretched more quickly, it becomes stronger. Researchers found high temperatures, over 140 degrees Fahrenheit, make human hair more breakable, while humid weather makes it more stretchable. They note understanding the properties and structure of hair will allow the development of new materials, including body armor. Goo Air Force cadet Hayley Weir thought about combining antiballistic fabric with a goo-like shear thickening fluid to create body armor material that is much more lightweight than current units. Weir worked with U.S. Air Force Academy professor Ryan Burke to test different ingredients in the shear thickening fluid and then layered it in with ballistic fibers, later testing it on the firing range. Weir (now a second lieutenant) and Burke found their modified fibers stopped a.44 Magnum three times in testing. They anticipate body armor made from the shear thickened material could reduce a servicemember's average 26-pound body armor by two thirds. (443) 686-1484 8

Lightweight ballistic fabric A new lightweight ballistic fabric, Twaron ComForte SB3, made by Teijin Aramid is gaining attention. It's based on a Twaron ultra-micro yarn the company says is effective against high-energy semi-jacketed projectiles, such as.357 MAG JSP and.44 MAG SJHP. The company says Twaron ComForte SB3 combines body armor flexibility with the ballistic efficiency of a unidirectional laminate, allowing more ballistic protection with more flexibility, comfort, and mobility for the wearer. It allows body armor to be better shaped to the body's curves, the company says, making it more comfortable to wear. THE MILITARY FAMILY SURVEY DATA POINT NO ONE IS TALKING ABOUT In 2013, MOAA launched a comprehensive military spouse employment survey with Syracuse University's Institute for Veterans and Military Families. In the final report, released in 2014, we limited the statistics to active duty female military spouses, because there were not a scientifically significant number of male military spouses who took the survey. The 2017 Blue Star Families (BSF) Military Family Lifestyle Survey reported that almost half (49 percent) of male military spouse respondents reported working full-time, compared to just 27 percent of female military spouse respondents. Why are these numbers so disparate? In 2015, there were 707,233 married active duty servicemembers and almost 100,000 of those servicemembers had male spouses. About half of those male spouses also were in the military. We don't have exact numbers from BSF, but one could assume at least some of the male spouses who reported working full-time could be in the military as well (given the ratios of dual-military marriages for female servicemembers vs. male servicemembers). But let's assume that's not the case - a male servicemember spouse probably would identify himself as a servicemember first, not a spouse, right? So, how are male military spouses maintaining full-time careers at such a high rate compared to female military spouses? BSF also reports 50 percent of female spouses citing family obligations as a top career obstacle compared to 30 percent of male spouses. This indicates a difference in either perception or reality. Do gender roles at home affect the way males perceive career responsibilities differently than females? Do males have a different experience in job seeking and career advancement than females? I think most of us would answer yes to both of these questions. So why aren't we talking about these differences? What can we learn from male military spouses? How do they balance career ambitions and guilt over not being a stay-at-home parent? Does that balance affect their career outcome? How can the female military spouse population adopt male spouse perceptions or even change their own reality to better align with those experienced by the male military spouse community? We spend a lot of time tracking the effects of military service on military families but not very much time talking about this very specific population. Male military spouses too often are overlooked. As the demographics of the military continue to shift, the male military spouse population will grow. Understanding the changing dynamics of military service and gender roles also will gain importance. It is clear there is a lot we don't know and a lot we can learn from those who don't meet the stereotype of a military spouse. Let's rev up the conversation. Are you a male military spouse? Do you have a male military spouse? Do you face military family challenges differently than those around you? We want to hear from you. Email us at moaaspouse@moaa.org. (443) 686-1484 9

CHAPTER LEADERSHIP President: LTC Harry Quinn, USA (Ret) Senior Vice President: CDR Robert Hanson, USN (Ret) Vice-President for Membership: LTC Thomas (Trent) Moxley, USA (Ret) Vice-President for Programs: MAJ Cathy Hampton, USA (Ret) Treasurer: MAJ Sidney (Bill) Beddow, USA (Ret) Secretary: COL Michael Early, USA (Ret) Legislative Affairs: COL Daniel Lafontaine, USA (Ret) Newletter: LCDR Lawrence Archer, USN (Ret) Personal Affairs: COL Michael Early, USA (Ret) Chaplain: Vacant Publicity: MAJ Cathy Hampton, USA (Ret) Transition Assistance: Vacant Webmaster: Annie Brock (Former CPT, USAR) Director: COL Morton Brisker, USA (Ret) Director: LTC Monroe Manning, USA (Ret) Director: COL Keitron Todd, USA (Ret) Past President: Annie Brock (Former CPT, USAR) ABOUT MOAA The Military Officers Association of America (MOAA) is the nation s largest and most influential association of military officers. It is an independent, nonprofit, politically nonpartisan organization. http://moaa.org The MOAA Legislative Action Center provides information regarding MOAA s top national legislative priorities for the year and COLA, as well as perspective on issues in the military community that could affect you and your family. http://capwiz.com/moaa/home/ If you are not a member of MOAA, you can join at http://bit.ly/joinmoaa. Membership in MOAA is separate from membership in the Susquehanna Chapter. (443) 686-1484 10

SUITING WARRIORS (443) 686-1484 11

SAFE PROJECT (STOP THE ADDICTION FATALITY EPIDEMIC) Below is information with regard to this important project. Follow on Twitter: @SAFEProjectUS OR Facebook: SAFE Project US OR Instagram: SAFEprojectUS. Web site: https://www.safeproject.us/ (443) 686-1484 12

MEMBERSHIP DUES FORM Please contact Trent Moxley at vp-membership@susquehannamoaa.org if you have questions about your dues status. Dues may be paid online at Pay Dues (https://chapterdues.moaa.org/membership.aspx) or fill out and mail the form below with a check. (443) 686-1484 13