Friday, October 09, 2015
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Judy Boyce My name is Judi Boyce. I am a retired Culinary Specialist Seaman, and I am a wounded warrior. I don’t fit the traditional definition of a wounded warrior. I was not wounded in combat. In 2008, I was diagnosed with Moyamoya disease, a rare, progressive cerebrovascular disorder. I had joined the Navy two years earlier, but, after my diagnosis, my military career was cut short. My illness – and the brain surgeries that accompanied it – had a profound impact on my life in many ways.
Red Ramos Growing up with two older brothers and a younger step-brother, life has always been competitive, in a one-up-you kind of way. We were always trying to outdo each other and giving each other grief when one of us didn’t live up to our own hype.
Michael Dayton My accident occurred in 2007, on St. Patrick’s Day, of all days. I was working in the engine room aboard the USS Emory S. Land, completing repairs to a pump on a fresh-water collection tank, when a steam-relief valve opened above me. I was blasted with 650-degree dry steam at greater than 150 psi (pounds per square inch). It was seven seconds of pure agony.
Jessica Landeros My name is Jessica Landeros. For many years, I was known as UT2 (SCW) “Can Do!” Jessica Mudgett. I am a wife and a mother. But I also am a recently retired Sailor. And not a day goes by that I don’t sincerely miss my identity as a Navy Seabee. I will never forget when that Navy ball cap was first placed on my head at Great Lakes back in 2002. I was so proud to become a Sailor that I held back tears when the Recruit Division Commander first called me “shipmate.”
John Dusseau I turned a corner sometime during my 10th or 11th chemotherapy session. My body and mind had remained fairly strong throughout a very tough treatment schedule, and I finally realized that I could make it because I might just have a fighting chance. In March 2011, I was diagnosed with Ewing Sarcoma, a rare cancer that typically develops in the bones of children.

Warrior Care and Readiness

Navy Wounded Warrior – Safe Harbor

Toll-free, 24-hour telephone number: 1-855-628-9997
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When a Sailor or Coast Guardsman falls ill or is seriously wounded or injured in combat, in training, or in direct support of a military unit, few families are prepared to deal with the personal and financial disruption associated with leaving their home, their family, and their job to be with their loved one through long months of hospitalization, rehabilitation, and recuperation. Navy Safe Harbor Foundation aims to ensure that every service member is given an opportunity for full recovery. Navy Wounded Warrior - Safe Harbor coordinates the non-medical care of seriously wounded, ill and injured Sailors and Coast Guardsmen, and provides resources and support to their families. Through proactive leadership, NWW offers individually-tailored assistance to ensure enrollees’ successful recovery, rehabilitation and reintegration. Enrollment in the program is available to service members wounded in combat, as well as to those diagnosed with a serious illness or injured in shipboard, training and liberty accidents. Enrollment lasts a lifetime.

Active Duty Servicemembers who have received their separation and/or retirement orders may apply for enrollment in VA health care system. If eligible, Servicemembers become enrolled upon separation or retirement. When service members leave active duty, they may be eligible for benefits offered by TRICARE and the VA, depending whether they retire or how they separate from the military. If retiring, a service member is eligible for TRICARE as a military retiree and may be eligible for certain VA benefits. Service members who separate due to a service-connected disease or injury may be eligible for VA health benefits and certain TRICARE benefits.

Combat Veterans Healthcare

If you have served in ANY combat zone, local Vet Centers can help you and your family with readjustment counseling and outreach services. Veterans, including activated Reservists, are eligible for VA Benefits and Services if they served on active duty in a theater of combat operations after November 11, 1998, and have been discharged under other than dishonorable conditions. Apply online using VA Form 10-10EZ, Application for Health Benefits. VA presumes that specific disabilities diagnosed in certain veterans were caused by their military service. VA does this because of the unique circumstances of their military service.  If one of these conditions is diagnosed in a Veteran in one of these groups, VA presumes that the circumstances of his/her service caused the condition, and disability compensation can be awarded.

  • Former Prisoners of War - VA presumes that certain medical conditions are associated with a Former POW's captivity. If you are a former POW who has been diagnosed as having one or more of these conditions to a degree that is at least 10 percent disabling, VA presumes that it is associated with the POW experience and you are entitled to disability compensation.
  • Vietnam Veterans (Exposed to Agent Orange) - VA presumes that if you served in Vietnam or in or near the Korean demilitarized zones, during certain time periods, you were exposed to Agent Orange. As a Veteran with this service who also has a disease related to Agent Orange exposure you may be eligible for disability compensation. Veterans who have a disease associated with Agent Orange, but who do not meet the service requirements for VA to "presume" they were exposed to Agent Orange must show an actual connection between the disease and herbicide exposure during military service.
  • Atomic Veterans (Exposed to Ionizing Radiation) - Veterans may have been exposed to a range of chemical, physical, and environmental hazards during military service. Veterans may be entitled to disability compensation if exposure to these hazards resulted in a disease or injury. Examples include exposure to radiation, mustard gas, and asbestos.
  • Gulf War Veterans (Served in the Southwest Asia Theater of Operations during the Gulf War) - Gulf War Veterans suffering from what is commonly referred to as "Gulf War Syndrome," which is a cluster of medically unexplained chronic symptoms that can include fatigue, headaches, joint pain, indigestion, insomnia, dizziness, respiratory disorders, and memory problems may be eligible for disability compensation.
  • Returning Servicemembers - Veterans with certain diseases that presented themselves after discharge from military service may be eligible for disability compensation. This includes certain diseases that were not incurred in or aggravated by military service, but which VA presumes are related to military service if shown to exist within a certain time period after service.

For the purposes of VA health benefits and services, a person who served in the active military service and who was discharged or released under conditions other than dishonorable is a Veteran. If you served in the active military service and were separated under any condition other than dishonorable, you may qualify for VA health care benefits. Current and former members of the Reserves who were called to active duty by a federal order and completed the full period for which they were called or ordered to active duty may be eligible for VA health benefits as well. Certain Veterans may be afforded enhanced eligibility status when applying and enrolling in the VA health care system. Veterans who:

  • Are a Former Prisoner of War (POW)
  • In receipt of the Purple Heart Medal
  • In receipt of the Medal of Honor
  • Have a compensable VA awarded service-connected disability of 10% or more
  • In receipt of a VA Pension
  • Were discharged from the military because of a disability (not preexisting), early out, or hardship
  • Served in a Theater of Operations for 5 years post discharge
  • Served in the Republic of Vietnam from January 9, 1962 to May 7, 1975
  • Served in the Persian Gulf from August 2, 1990 to November 11, 1998
  • Were stationed or resided at Camp Lejeune for 30 days or more between August 1, 1953 and December 31, 1987
  • Are found by VA to be Catastrophically Disabled
  • Previous years' household income is below VA's National Income or Geographical-Adjusted Thresholds

The Fleet and Family Support Program provides services through Fleet and Family Support Centers, such as relocation assistance, new parent support, deployment services, clinical counseling services, financial management counseling, family employment services, family advocacy and the transition assistance programs.

Navy Mutual

Veteran’s Service Organization which was established in 1879 to provide financial products and security for sea service members and their families. - See more at:

Since 1879, Navy Mutual has faithfully fulfilled its duty to support military families by providing excellent life insurance and annuity products. We are proud to serve as steadfast advocates for Navy Mutual Members to ensure they receive the benefits and financial security they deserve. At Navy Mutual, our guiding principle is to serve our Members the same way they serve our country — with integrity, passion, and commitment. Because we live in an age of uncertainty, the financial stability of Navy Mutual is increasingly on the minds of our members. And rightly so. More than simply numbers on a balance sheet, we see our rock-solid financial foundation as the fulfillment of our promise to you and your loved ones for generations to come.

Navy Mutual understands the unique needs of military personnel, which is why we offer Express Term Plus, a term life insurance plan that Members can secure immediately without a physical. Simply complete a brief form to obtain $250,000 of life insurance protection for a full ten years at a fixed monthly premium. There are no military restrictions or paperwork delays, and your policy becomes effective immediately upon receipt of your first premium payment.

Express Term Plus is ideal for:

  • Military members preparing for deployment.
  • Those who do not have the time or desire to complete a more extensive application.
  • And those who prefer to avoid medical exams, lab tests, and paperwork.
Express Term Plus is ideal for: Military members preparing for deployment. Those who do not have the time or desire to complete a more extensive application. And those who prefer to avoid medical exams, lab tests, and paperwork. - See more at:

Life insurance ensures that, when you die, your beneficiaries will have the financial resources in place to protect their future income and pay for immediate and future financial obligations. Life insurance proceeds are paid quickly to the beneficiary(ies) without the delay of probate, and they are income-tax-free. Without life insurance, your surviving family members could become financially burdened or even devastated at the time of your death.

Insurance helps protect your family home, provide college education, protect a family business, pay monthly bills, and prevent survivors from going into debt to pay for illness expenses, burial costs, or any number of other possible issues. As a chartered Veteran Service Organization, Navy Mutual is uniquely poised to provide you with the assistance you need to get the benefits you deserve.

Veterans with a service-connected disability may be eligible for several VA insurance benefits for disabled Veterans.

Servicemembers' Group Life Insurance (SGLI) Disability Extension

The SGLI Disability Extension allows Servicemembers who are totally disabled at time of discharge to retain the Servicemembers' Group Life Insurance (SGLI) coverage they had in service at no cost for up to two years. You are eligible for the SGLI Disability Extension if you are totally disabled at time of discharge. To be considered totally disabled, you must have a disability that prevents you from being gainfully employed OR have certain medical conditions.

SGLI Traumatic Injury Protection Program (TSGLI)

Servicemembers' Group Life Insurance Traumatic Injury Protection (TSGLI) provides automatic traumatic injury coverage to all Servicemembers covered under the SGLI program. It provides short-term financial assistance to severely injured Servicemembers and Veterans to assist them in their recovery from traumatic injuries. TSGLI is not only for combat injuries, but provides insurance coverage for injuries incurred on or off duty. If you are automatically insured under full-time SGLI, you are automatically covered by TSGLI. TSGLI coverage applies to active duty members, reservists, National Guard members, funeral honors duty and one-day muster duty.

Service-Disabled Veterans Insurance (S-DVI)

S-DVI provides life insurance coverage to Veterans whom VA has granted service connection for a new disability within the last two years. Totally disabled Veterans are eligible for free coverage and have the opportunity to purchase additional insurance. You are eligible for S-DVI if you meet ALL of the following criteria:

  • You were released from active duty under other than dishonorable conditions on or after April 25, 1951
  • You were rated for a service-connected disability (even if only 0%)
  • You are in good health except for any service-connected conditions
  • You apply within 2 years from the date VA grants your new service-connected disability

The Service-Disabled Veterans Insurance (S-DVI) program was established in 1951 to meet the insurance needs of certain veterans with service connected disabilities. S-DVI is available in a variety of permanent plans as well as term insurance. Policies are issued for a maximum face amount of $10,000.

Who Can Apply for S-DVI?

You can apply for S-DVI if you meet the following 4 criteria:

  1. You were released from active duty under other than dishonorable conditions on or after April 25, 1951
  2. You were rated for a service-connected disability (even if only 0%)
  3. You are in good health except for any service-connected conditions
  4. You apply within 2 years from the date VA grants your new service-connected disability.

Note: An increase in an existing service-connected disability or the granting of individual unemployability of a previous rated condition does not entitle a veteran to this insurance.


We understand your unique needs because we are an organization founded by military members for military members. When you join, you get free financial resources, special savings and award-winning service. Additional benefits for active duty and deployed members are also available. Today, USAA membership is open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members. We also offer some products to individuals with no military affliation. USAA is defined by our dedication to help you manage your finances throughout your military career and beyond. That's why we offer more benefits for military members and their family members more than any other major financial service provider. From establishing financial independence during active duty to raising a family while PCSing to transitioning into civilian life, USAA stands by you. Discover how we can serve you.

The eBenefits National Resource Directory connects Wounded Warriors, Service Members, Veterans, Their Families and Caregivers with Those Who Support Them.

Fisher Houses Provide military families housing close to a loved one during hospitalization for an illness, disease or injury. The Hero Miles Program provides round-trip airline tickets to wounded, injured, and ill service members and/or their families who are undergoing treatment at a military or VA medical center; or who are attending an authorized event. Flights are made possible through frequent flyer mile donations made by individual airline passengers.

Federal Recovery Coordination Teams
Readjustment Counseling
Blind Rehabilitation
National Center for Post-Traumatic Stress Disorder (PTSD)
Spinal Cord Injury (SCI) and Spinal Cord Disorder (SCD) Centers
Traumatic Brain Injury (TBI)
Vocational Rehabilitation and Employment Program
War-Related Illness and Injury Study Center (WRIISC-DC)

Air Force Wounded Warrior
Army Wounded Warrior Program
Computer/Electronic Accommodations Program (CAP) Wounded Service Members Initiative
Defense and Veterans Brain Injury Center (DVBIC)
Marine Corps Wounded Warrior Regiment
Marine For Life Program
Office of Warrior Care Policy
Warrior Care Support Program
Warrior Navigation and Assistance Program

Navy Medicine is a global healthcare network of 63,000 Navy medical personnel around the world who provide high quality health care to more than one million eligible beneficiaries. Navy Medicine personnel deploy with Sailors and Marines worldwide, providing critical mission support aboard ship, in the air, under the sea and on the battlefield. - See more at:

130401-N-FN963-023 SAN DIEGO (April 1, 2013) Chief petty officers salute the American flag for morning colors in celebration of the 120th birthday of the rank of chief petty officer on the flight deck of the aircraft carrier USS Ronald Reagan (CVN 76). Ronald Reagan is moored and homeported at Naval Base Coronado. (U.S. Navy photo by Mass Communication Specialist 2nd Class Richard L.J. Gourley/Released)








"I know it's rough. It's rough on you, rough on your families, but it's never been more necessary at any time in our history than it is right now. Without someone willing to put in the long hours, willing to suffer the frustrations, willing to risk the dangers, our country wouldn't be sure of continued peace and freedom. There's no greater gift that you can give to your family, your community, or your country than the protection that you afford all of them by this job that you're doing." --President Ronald Reagan 20AUG1981

030215-N-1810F-001 At sea aboard USS Kitty Hawk (CV 63) Feb. 15, 2003 -- The Navys largest First Navy Jack, with the motto Dont Tread On Me, flies high above USS Kitty Hawk during her transit through the Straits of Malacca. Kitty Hawk and embarked Carrier Air Wing 5 (CVW-5) were recently ordered to the Central Command area of responsibility to join coalition forces preparing for possible operations in that area. Kitty Hawk is Americas longest-serving active warship and the worlds only permanently forward-deployed aircraft carrier, operating out of Yokosuka, Japan. U.S. Navy photo by Photographers Mate 3rd Class Todd Frantom. (RELEASED)

"It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood; who strives valiantly; who errs, who comes short again and again, because there is no effort without error and shortcoming; but who does actually strive to do the deeds; who knows great enthusiasms, the great devotions; who spends himself in a worthy cause; who at the best knows in the end the triumph of high achievement, and who at the worst, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who neither know victory nor defeat." --President Theodore Roosevelt, 23APR1910

030212-N-4142G-001 At sea aboard USS Constellation (CV 64) Feb. 12, 2003 -- An F/A-18 "Hornet" assigned to the "Vigilantes" of Strike Fighter Squadron One Five One (VFA-151) launches from the ship's flight deck as the guided missile cruiser USS Mobile Bay (CG 53) steams alongside the aircraft carrier. Constellation is on a regularly scheduled deployment in support of Operation Enduring Freedom. U.S. Navy photo by Photographer's Mate 2nd Class Felix Garza Jr. (RELEASED)

Navy Safe Harbor Foundation aims to ensure that every service member is given an opportunity for full recovery after a serious injury by coordinating the non-medical care of seriously wounded, ill and injured Sailors and Coast Guardsmen, and provides resources and support to their families. Enrollment in the Navy Wounded Warrior – Safe Harbor is available to service members wounded in combat, as well as to those diagnosed with a serious illness or injured in shipboard, training and liberty accidents. Enrollment lasts a lifetime.

The Navy Safe Harbor Foundation (NSHF) is an IRS recognized 501(c)3 tax-exempt non-profit organization.

NSHF © 2015 – The NSHF is not affiliated with the United States Navy, Coast Guard or Department of Defense.

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