The journal. (Caldwell, Ohio) 1934-1961, 1957-10-24

vocational counseling to help me
get on the right track?
Ayes. In filling out the ap-
plication for a change of course,
indicate on the form that you
want vocational counseling. An
will be scheduled
for you.
Q-I am selling my CT house.
If l get relief from liability to
the Government, does that mean
| automatically will be entitled
to another CT loan?
A-No Relief from liability
does not automatically restore
your entitlement to another CT
loan. Restoration of loan rights
is possible only under certain
such as selling your
home for reasons of health, q
change of job, etc.
Q-Under the Survivor Bene-
fits Act, will the widow of de-
ceased peacetime veteran receive
less than the widow of a war
veteran? There is difference IN
under the old death
program.
Arguments under the Sur
vivor Benefits Act will be the
same whether death occurred as
a result of peacetime or wartime
service. There is no payment
as there is under the
death compensation program.
O-I sold my CT house because
| had to move to another climate
for reasons of health. My CT
loan eligibility has been restored
by VA. Do l have to use this
restored entitlement to buy an
other house, or may | use 1t Tor
a CT business loan instead?
A-You may use your restored
CT loan entitlement for a bust
ness loan, if you wish. In fact,
it may be used for any purpose
by law: home loan,
farm loan or business loan.
Q-I have been totally and
permanently disabled for more
than six months, and I've just
applied for a waiver of premiums
on my CT insurance policy. Will
the waiver become effective re-
troactively, to the date | first
became disabled?
A-No. The waiver is made
effective from the premium due
date following the date the six
of continuous total dis
ability commenced.
Q-I am in school under the
Korea CT Bill with an objective
of engineer. | would like to drop
one of my subjects, mathematics,
and take physics instead. Would
this be considered my one-and-
only change of course allowed
under the law?
A-No. You have the right to
change subjects. 1t will not be
considered a change of course, so
long as your basic objective
doesn't change.
Q-Are peacetime veterans en-
titled to compensation for serV-
ice-connected disabilities? /
know they are not entitled to
pensions for nonservice-connect-
ed disabilities.
A-Yes. Peacetime veterans
may be entitled to compensation
for service connected disabilities.
However, the rate of compensa-
ton for non-extrahazardouS ser
vice disabilities is 80 percent OF
the rate paid to wartime vet
Grams.
Q-I have a CT loan. Does the
lender have right to charge me
a penalty for late payments?
A-For any loan installment
paid more than Is days after its
due-date, he may add a late
charge that does not exceed four
percent of the amount of the
lnStallment.
Q-My private physician just
sent VA a letter stating how my
disability has worsened in re-
cent months. Could VA use this
letter to reopen my case and
see whether I'm entitled to a
higher compensation rating? If
VA approves higher rating,
what would be its effective date?
"A statement by your ply
sician, showing increased dis
ability, is acceptable by VA as
an informal claim" for a higher
rating. If a VA physical examina-
ton confirms your physicians
statement, the increased rating
could be made effective as of
the date VA received his letter.
Olive held a permanent CT
insurance policy for several
years, but about year ago l
let it lapse. Until | reinstate it,
am | without any Gil insurance
protection whatsoever?
A-No. When a permanent
policy lapses, VA extends your
coverage automatically as term
insurance. Premiums come out of
the cash reserve you've built up.
The term protection ends when
it has used up all the reserve.